Spot On reviews | Fairer Finance

Spot On is a pet insurance startup underwritten by Casualty & General.

Our product ratings for Spot On

Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.

Pet insurance

20 products reviewed

Cat insurance

10 products reviewed

£3,000
£4,000
£3,000 (with all optional covers)
£5,000 (with all optional covers)
£5,000
£4,000 (with all optional covers)
£2,000 (with all optional covers)
£2,000
£1,000 (with all optional covers)
£1,000

Spot On

£3,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, condition-based
Medical cover limit	£3,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£3,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Spot On

£4,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, condition-based
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£4,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Spot On

£3,000 (with all optional covers)

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, condition-based
Medical cover limit	£3,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£3,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Spot On

£5,000 (with all optional covers)

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, condition-based
Medical cover limit	£5,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£5,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Spot On

£5,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, condition-based
Medical cover limit	£5,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£5,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Spot On

£4,000 (with all optional covers)

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, condition-based
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£4,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Spot On

£2,000 (with all optional covers)

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, condition-based
Medical cover limit	£2,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£2,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Spot On

£2,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, condition-based
Medical cover limit	£2,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£2,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Spot On

£1,000 (with all optional covers)

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, condition-based
Medical cover limit	£1,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£1,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Spot On

£1,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, condition-based
Medical cover limit	£1,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£1,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Dog insurance

10 products reviewed

£4,000 (with all optional covers)
£5,000
£5,000 (with all optional covers)
£2,000 (with all optional covers)
£3,000 (with all optional covers)
£3,000
£4,000
£1,000 (with all optional covers)
£1,000
£2,000

Spot On

£4,000 (with all optional covers)

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, condition-based
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£4,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Spot On

£5,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, condition-based
Medical cover limit	£5,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£5,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Spot On

£5,000 (with all optional covers)

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, condition-based
Medical cover limit	£5,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£5,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Spot On

£2,000 (with all optional covers)

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, condition-based
Medical cover limit	£2,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£2,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Spot On

£3,000 (with all optional covers)

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, condition-based
Medical cover limit	£3,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£3,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Spot On

£3,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, condition-based
Medical cover limit	£3,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£3,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Spot On

£4,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, condition-based
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£4,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Spot On

£1,000 (with all optional covers)

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, condition-based
Medical cover limit	£1,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£1,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Spot On

£1,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, condition-based
Medical cover limit	£1,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£1,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited

Spot On

£2,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, condition-based
Medical cover limit	£2,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	£2,000.00
Lifetime policy limit	N/A
Lifetime condition limit	Unlimited