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Customer Reviews
 
9.7 out of 10
942 customers have written a review on Trustpilot
Latest Reviews
payingtoomuch.com
 
5
19 Nov
very good got what i wanted
as above as above as above as above as above Read more
payingtoomuch.com
 
5
19 Nov
Excellent service
From the first contact to buying the insurance the staff were very polite and helpful. Never had to make a claim so don't know what the actual insurers are like. Read more
payingtoomuch.com
 
5
18 Nov
Efficient,clear & concise
Reliable and informative Read more
payingtoomuch.com
 
5
18 Nov
What a Suprise/Paying too much.com
What a lovely suprise i had when searching for life insurance and came up with this little gem. gave me the best quote from a large company Read more
payingtoomuch.com
 
5
17 Nov
so happy
I was Very Happy with the way I was dealt with the lady was so helpful with my request as I said very happy with payingtoomuch .com I will be moor than happy to tell friends I will use you again and thank you so much Read more
payingtoomuch.com
 
5
16 Nov
excellent service
if you require travel insurance contact Amanda at PayingToo Much. Read more
payingtoomuch.com
 
5
15 Nov
felt like a spider travelling the web
was looking for travel insurance found this great site because other ones would have had me paying over the odds Read more
payingtoomuch.com
 
5
14 Nov
good day at the office
so easy to continue to use this site all medical info stored , great people to relate to, a pleasure to find an efficient organisation with reasonable prices Read more
payingtoomuch.com
 
4
13 Nov
one of the best for peaple like me who find getting insurance difficult when elderly and have medical problems
The advisor I spoke to was very helpful and took me through the process very easily. I will be passing on there website too all my friends. Read more
payingtoomuch.com
 
5
11 Nov
Over 85 and still travelling?
If you need travel insurance and you are over the age of cut-off from some Insurance providers, then try "Payingtoomuch", You will find them very obliging and helpful. Read more
payingtoomuch.com
 
5
11 Nov
Straightforward
Did it in about 20 minutes on line and very easy. Had phone confirmation of acceptance within 30 minutes Read more
payingtoomuch.com
 
4
05 Nov
Simple procedure
I have used this site previously and found it still to be the most clear and simple . I have choices I can make depending on what suits my needs. Read more
payingtoomuch.com
 
5
05 Nov
Helpful, professional and personable
I have a complicated medical situation and Beth took the time to carefully and considerately get the information she needed to ensure the medical team had what they needed to make a considered decisions. She was very personable and professional and reliable. Fantastic service. Read more
payingtoomuch.com
 
5
05 Nov
easy to use!
Good site - all clear and east to understand and navigate Read more
payingtoomuch.com
 
4
04 Nov
no crash landing
Very helpful Lady at the controls Read more
payingtoomuch.com
 
5
03 Nov
Excellent personal service
First class and helpful assistance, thank you Read more
payingtoomuch.com
 
5
30 Oct
Excellent Service - Fair and reasonable price
Brilliant service - very reasonable was quoted £300 more by other sites Read more
payingtoomuch.com
 
4
28 Oct
ITS A TEN FROM LEN
APPLYING ON LINE WAS QUICK AND PAINLESS AND NO COLD CALLS TO PUT YOUR BLOOD PRESSURE UP Read more
payingtoomuch.com
 
5
27 Oct
proffessional and knowledgable and made me feel relaxed as they filled me with confidence.
the whole procedure was conducted in a manner that l fully understood, with no feeling that l was being intimidated. Both Becky Rollison and Rob Dales were very friendly and explained everything in detail and l feel that l have done the right thing. Read more
payingtoomuch.com
 
5
27 Oct
very reasonable quote and helpful service
Have used payingtoomuch twice now and both times have received quotes two thirds the price of nearest competitor. When I have called the operators has always been helpful, friendly and efficient. Have not had the misfortune to need to claim on the policy but I am sure everything would be fine. 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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