Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Spot On Pet Insurance review

Updated September 29, 2026 · SumCue Editorial Team · Facts checked September 29, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Spot On Pet Insurance suits pet owners who want monthly cover with a clear yearly limit per condition. Cover runs to 5000 GBP per unrelated condition per year with excess starting at £99, and claims go through online portal, which keeps budgeting and claiming simple.

Key facts

Best for
Pet owners wanting monthly cover with online claiming
Insurance types
Pet↗
Provider type
Broker↗
Monthly payments
Yes↗
Excess from
£99↗
Cover limit
5000 GBP per unrelated condition per year↗
Claims channels
Online portal↗
Age range
Over 4 weeks, no upper limit↗
Legal entity
Trusted Insurance Services Ltd↗
Headquarters
United Kingdom↗
Support channels
Email, Help-centre↗
Pricing model
Monthly
Official website
spotonpetinsurance.co.uk

Facts checked September 29, 2026, 4 sources

Apps and profiles

Elsewhere
Trustpilotfacebook.cominstagram.com

Pros and cons

Pros

  • Cover of 5000 GBP per unrelated condition per year per unrelated condition per year
  • Eligibility within Over 4 weeks, no upper limit, with monthly payments available
  • Broker cover for pet with claims via online portal

Cons

  • Support runs on email and help centre only, which may suit email users
  • Claims run through online portal only, without assisted claiming routes

Ready to try Spot On Pet Insurance?

Scored 8.7 / 10 by SumCue.

See alternatives

Who it suits

  • Pet owners wanting dedicated pet cover through pet
  • Owners who prefer monthly billing through monthly with online claims

Who should look elsewhere

  • Owners wanting health or gadget cover should consider Oney Préstamos for health, life and gadget
  • Owners wanting cover beyond pets should consider die Bayerische for auto, home and motorcycle

Who runs it

The provider is Trusted Insurance Services Ltd, based in the United Kingdom. It operates under authorisation from the Financial Conduct Authority, licence 831252. Customer help is provided through email and help centre. This structure means placement and administration sit with a regulated British firm.

How Spot On Pet Insurance compares

Where Spot On Pet Insurance is available

Available
United Kingdom
Licence in United Kingdom
Financial Conduct Authority (831252), checked September 29, 2026

Countries from the brand (Source, checked September 29, 2026)

Frequently asked questions

What excess applies to Spot On Pet Insurance?+

Excess starts at £99 for each claim you make. You pay this amount before the insurer contributes toward eligible vet bills. Check your policy documents for how excess applies per condition.

How much cover is available per condition?+

Cover runs to 5000 GBP per unrelated condition per year for each unrelated condition each year. This structure helps you plan for separate illnesses or injuries across the policy year. Limits reset as described in your policy wording.

Which pets can be covered?+

Pets are eligible within Over 4 weeks, no upper limit. There is no upper age limit once your pet is covered, which helps older pets stay insured. Always confirm breed and health terms before you apply.

Can you pay monthly?+

Yes, monthly payments are available, and billing follows monthly terms. Paying monthly can help you spread the yearly cost across the year. Your quote will confirm the amount due each month.

How do claims work?+

You claim through online portal. You submit details and documents online, then track progress through the same route. Keep vet invoices and treatment notes ready to support your claim.

Who provides the cover and how is it regulated?+

The provider is Trusted Insurance Services Ltd, acting as a broker based in the United Kingdom. It holds authorisation from the Financial Conduct Authority under 831252. You can verify the authorisation on the regulator register.

Sources

  • register.fca.org.uk/s checked September 29, 2026

    Backs: Licences

  • spotonpetinsurance.co.uk checked September 29, 2026

    Backs: Provider type, Headquarters, Legal entity

    “Spot On is a trading name of Trusted Insurance Services Ltd ... Appointed Representative of City Insurance Brokers Ltd, authorised and regulated by the Financial Conduct Authority”

  • spotonpetinsurance.co.uk/faqs checked September 29, 2026

    Backs: Age range, Cover limit, Excess from, Insurance types, Pricing model, Monthly payments

    “We only accept pets older than 4 weeks and don't discriminate against older pets”

  • spotonpetinsurance.co.uk/help-and-contact checked September 29, 2026

    Backs: Support channels

    “The quickest way to resolve your query is by emailing info@spotonpetinsurance.co.uk”

  • spotonpetinsurance.co.uk/how-to-claim checked September 29, 2026

    Backs: Claims channels

    “All claim types are to be logged through our easy to use online portal”

Compiled from 5 source pages, checked September 29, 2026. We did not open an account.

Not confirmed yet: Premium from.

Spot On Pet Insurance

Pet owners wanting monthly cover with online claiming

8.7/10See alternatives