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Customer Reviews
 
9.7 out of 10
962 customers have written a review on Trustpilot
Latest Reviews
payingtoomuch.com
 
5
19 Dec
Travel Insurance
Very good and efficient service with a grat saving on other companies. I wll definitely use this company again. Read more
payingtoomuch.com
 
5
18 Dec
Excellent, efficient and good value
This was found after a some time of searching for a policy for over 65 yr adults who are extremely fit and healthy. The first to offer appropriate cover and with good service. Read more
payingtoomuch.com
 
5
16 Dec
BRILLIANT
I found the young lady very helpful and she sorted our travel insurance in a very professional way ,it was the cheapest quote i had and she was a very helpful and very cheery person as i am sure all your team are . i have told friends of your service , and will not hesitate to tell others. well done . a dean bloxwich nr walsall Read more
payingtoomuch.com
 
5
16 Dec
great service from a lovely lady named amanda
searched the net for travel insurance found the best service here and best price this is the second time i have used them very pleased 5 star Read more
payingtoomuch.com
 
5
16 Dec
Help for the Aged
Straight forward and easy to follow process with fast and efficient results. No reservations whatsoever in recommending this company to anyone. Site is safe and secure Read more
payingtoomuch.com
 
5
12 Dec
Excellent
Excellent service, fast and easy to do online especially if you have pre existing medical conditions and lots of companies to choose from and the prices start nearly two thirds cheaper than other travel Insurance companies I have contacted. Read more
payingtoomuch.com
 
5
09 Dec
Helpful,competitive,recommended,have bought policy
This company came highly recommended,looked after their clients,no hassle,I was convinced by their competitiveness and ease of dealing with their staff. Full marks Read more
payingtoomuch.com
 
4
08 Dec
Pleasant very helpful staff
I had difficulty with their website and satisfying myself that medical problems I had declared had been recorded as they made no increase in the cost of the insurance. Found telephoning them more of an endurance test - usually unavailable and would phone back, but never did. When I finally made contact they couldn't have been more helpful. Well worth the bother, although I was getting to the point of going elsewhere. Read more
payingtoomuch.com
 
5
07 Dec
Mortgage Life Insurance Cover
PayingTooMuch.com have been quick to assess my needs, then source what appears to be the best deal for me. Their (Stave Rayner) have advised me of the best way forward without attempting to push any particular product. Read more
payingtoomuch.com
 
5
04 Dec
The fourth time I have used them for travel insurance and totally satisfied.
With myself and my wife both having current medical issues I was concerned how it would affect our ability to get good travel insurance at a reasonable cost. I have always found the process very straightforward and have been able to secure excellent cover at a great price. I no longer look elsewhere. Read more
payingtoomuch.com
 
4
03 Dec
Helpful
Easy to talk to,helpful and make sure you have everything covered. Read more
payingtoomuch.com
 
5
02 Dec
Excellent, easy to use service!
A great easy to use service, highly recommend!! Read more
payingtoomuch.com
 
5
01 Dec
Helpful and Patient
Spoke to Amanda over the phone. She made a tiresome and worrying job much easier. The cheapest comparable quote was also £30 cheaper than alternatives I had phoned. Everything sorted in no time. Will be back next time Read more
payingtoomuch.com
 
5
01 Dec
Finding the right insurance.
Tried to book online and got stuck. Got a home call from an operator who was extremely helpful . Bought insurance easily . Very good. Read more
payingtoomuch.com
 
5
29 Nov
great serviee
I telephone and spoke to Amanda, she was very obliging and went through my questions and answered everything I needed to know.. I would not hesitate to recommend this company to freinds and family, Next insurance I need I will be back Read more
payingtoomuch.com
 
5
29 Nov
life insurance
Trustpilot were very helpful finding me a realy good Life insurance for my wife and myself , Steve Rayner was very friendly and helpful on the phone nothing was to much trouble , I Highly recommend them . Read more
payingtoomuch.com
 
5
27 Nov
A pleasure to deal with!
Amanda was a pleasure to deal with and most helpful! She talked me through the whole process and explained in a clear articulate manner. I was recommended to payingtoomuch by a friend and after talking to Amanda would certainly recommend to others. Read more
payingtoomuch.com
 
5
26 Nov
First rate service-beat all other quotes
Very good- very helpful Read more
payingtoomuch.com
 
5
25 Nov
if your sobbing call Robin he"ll make you smile.
I am looking for life cover and Rob assisted my concerns in a nice human way. A decent friendly chap. Not many left in this money grabbing world.. Read more
payingtoomuch.com
 
4
24 Nov
Short, sweet, value for money
I have an underlying medical condition and had given up on being able to travel as I received which were in comparison to the holidays themselves. I have been able to spend a week in Spain and am going to Frankfurt with the safe knowledge I have insurance I could afford and still having spending money. It is a wonderful feeling Read more
TRUSTPILOT

Pre-Existing Medical Conditions Travel Insurance

We compare for 2,000+ conditions:

  • Angina, stroke and heart stents
  • Diabetes and high blood pressure
  • Many other conditions covered
  • Compare online, or call us on 01243 784000.
Y

Details about your trip:

Trip type
Where are you travelling to ?
Departure date
Return Date
Longest trip:
No. of Travellers ?
If you have any pre-existing medical conditions, the policy will start from todays date. Please note: policies only available to permanent UK residents, currently in the UK
Please note: policies only available to permanent UK residents, currently in the UK
Additional cover: 

Your details

Title:
Surname:
Telephone number:
Your date of birth:

Medical conditions

Does anyone in the group have a pre-existing medical condition or is aged 70 or over?
Your annual policy will start from todays date
How many people ?
Would you like to quote travellers with medical conditions seperately? This reduces cancellation and curtailment cover, see help for details.

Travellers details

Please enter traveller details below

Traveller ages:
Are you travelling as a couple or family ?
Aged 70 or more ? Click here

Travellers details

Please enter traveller details below

Age
Title
First Name
Surname
1:
2:
3:
4:

Travellers details (2/2)

Please enter traveller details below

Age
Title
First Name
Surname
5:
6:
7:

Pre-existing medical conditions

Please answer the following questions

Please note : no cover is available if you are awaiting investigation for an undiagnosed condition.
Please tick if any of the travellers are on any kind of waiting list for treatment or surgery
Please tick if any of the travellers have been given a terminal prognosis
Please tick if the terminal prognosis is within 6 months of the return date
Are you travelling to any of the following destinations ?
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About our specialist travel and holiday insurance service

Our specialist travel and holiday insurance comparison service is able to provide for customers with pre-existing medical conditions and those aged 70 or over.

To compare prices, simply enter your trip details above and proceed as normal, declaring any pre-existing medical conditions when prompted.
Condition Premium
No conditions £6.39
Diabetes £15.94
High blood pressure £17.54
Bowel cancer £20.00
Arrhythmia £24.00
* Example premiums of a 50 year old travelling to Europe for 14 days.

Which pre-existing medical conditions can you cover?

We compare a range of pre-existing medical conditions; the most common conditions we encounter are listed below:

Allergy Depression Obesity
Anaphylaxis Diabetes Osteoarthritis
Arthritis Epilepsy Osteoporosis
Arrhythmia (irregular heartbeat) High blood pressure Pancreatitis
Bowel prolapse High cholesterol Polymyositis
Cardiac valve disease Hypothyroidism Psoriatic arthritis
Cervical spondylitis Irritable bowel syndrome Retinopathy
Chronic airflow limitation Ischaemic heart disease Rheumatoid arthritis
Coronary angioplasty Joint replacement Sleep apnoea
Deep vein thrombosis Low blood pressure Slipped disc
Dementia Meniere’s disease Ulcerative colitis

Can I simply not declare my pre-existing medical condition?

Any claims made as a direct or indirect result of a pre-existing medical condition must have been declared at the start of the policy in order to be successful.

Some customers do decide to take out standard travel insurance without disclosing their pre-existing conditions as the baggage and belongings cover will still be covered.

However these customers should be cautious about claiming for medical expenses or for claiming under cancellation due to falling ill before the departure date, as non-disclosure of pre-existing conditions could very likely invalidate such a claim.

Should I include standard travellers on a specialist travel insurance policy?

It tends to be much cheaper to insure standard travellers on a separate policy than adding to a specialist policy that is designed to cover those with pre-existing medical conditions.

This is because the insurer is taking on the additional risk that the standard travellers may incur additional cancellation and curtailment costs as a result of the traveller with the pre-existing medical condition(s) becoming ill.

We therefore suggest you consider whether the standard travellers are dependent on those with the pre-existing condition(s). If the standard travellers would be unaffected by a worst-case scenario affecting the traveller(s) with the pre-existing medical condition(s), then they may only require a separate/standard travel insurance policy, which is likely to be significantly cheaper.

There will be some scenarios (eg. when travelling with those under 16) where it is necessary for standard and non-standard travellers to be placed on the same policy.
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