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Customer Reviews
 
9.7 out of 10
866 customers have written a review on Trustpilot
Latest Reviews
payingtoomuch.com
 
5
15 Sep
For that price ,did I leave something out? No I didnt !
I needed travel insurance and completed rivals questionnaires , watching the cost go up and up. I tried PayingTooMuch.Com ,filled out their questionnaire and it scarcely moved .I looked again....and again. What had I missed? Had I given an incorrect answer? Was there some complex small print? This looked too good to be true, so I phoned ---and went through it all again. The price stayed . I bought their Travel Insurance. Not only that.I had a pleasant conversation with an operator who treated me like a human . No hard sell or sounding like I was #4 of the 25 to be spoken to in the next 2 hours to meet the targets. Best by a long way. Read more
payingtoomuch.com
 
5
15 Sep
If only other Insurance sites where like this
The only problem I have was one I caused my self awaiting E Mail reply but other than that everything went very smoothly Read more
payingtoomuch.com
 
5
15 Sep
A PLEASURE TO DEAL WITH
i HAVE SOME MEDICAL PROBLEMS AND GENERALLY FIND THE MAIN STREAM INSURERS DIFFICULT TO DEAL WITH NOT THE CASE HERE, SECOND TIME i HAVE USED THIS COMPANY AND WILL CONTINUE TO DO SO. Read more
payingtoomuch.com
 
5
15 Sep
Excellent Friendly Service carefully explaining options
Phoned in twice. Once to obtain quote and once to accept. Both operatives were extremely courteous and kind explaining all the options and helping to make a good choice. Will certainly be using them again, Read more
payingtoomuch.com
 
4
13 Sep
Will travel with confidence
My call was answered quickly all my husbands existing medical conditions are covered and nobody prejudged his vascular dementia which is only just diagnosed. Even I received cover. Yes my previous quotes meant I could have been paying too much. Thanks we can now look forward to our holiday end of November. Mr.& Mrs Davis Read more
payingtoomuch.com
 
5
12 Sep
Quick and easy
Online application was very quick and straightforward to complete. Read more
payingtoomuch.com
 
5
11 Sep
Helped me to decide what I needed
With my existing Life cover due to finish shortly, I realised I had to do something about replacing it quickly. Did the usual, searched on line, with no real idea what I was looking for. Had a phone call with an offer to talk through what I was looking for and what I could afford. Plain sailing from then on. All sorted over the phone and via e.mail.A huge relief. Many thanks. Read more
payingtoomuch.com
 
5
11 Sep
customer friendly
I started to fill in forms on the website, but I was distracted and lost the page. I received a telephone call to ask if i wished to continue. I was so impressed, that I did. The lady was charming and helpful and the quote was considerably cheaper than others I had received. It was nice to have such considerate, yet non intrusive attention. Read more
payingtoomuch.com
 
5
11 Sep
Prompt clear advice and good result
Helpful staff and prompt attention made this financial expense very nearly an enjoyable experience! Read more
payingtoomuch.com
 
5
10 Sep
if your looking for insurance to trust try PAYING TOO MUCH
Just got a great deal looked at all the others but they were too expensive as we both have medical problems we needed travel insurance which gave us the cover we needed at a price we could afford so gave paying too much a call and they were very helpful courteous and quickly got us sorted out so did the deal and very happy. Read more
payingtoomuch.com
 
5
10 Sep
cost effective fast efficient
right price one phone call docs. sent and printed off in mins. Read more
payingtoomuch.com
 
5
09 Sep
cold not have travelled to find a excellent travel site
thought this company were very friendly did not give too much jargon in asking questions. this is my second time using 'are you paying too much.com' had new policy in 10 minutes and very friendly staff at call centre Will definitely recommend them to other people for travel insurance Read more
payingtoomuch.com
 
5
08 Sep
quick and easy
did not have time to go through all insurance sites, made one phone call gave my details .they came back with a quote for 3 went through the best for me , gave my card details , had email for documents printed off . bingo all done. Read more
payingtoomuch.com
 
5
08 Sep
EXCELLENT
I young lady on the phone to me was very very helpful, A good person to keep in your company Read more
payingtoomuch.com
 
5
08 Sep
wonderful and coherent service
Hunting for travel insurance with a pre-existing medical condition can at times be very daunting. However, the representative went through everything with me in a step by step manner and she was very polite and receptive to my needs. I didn't feel pressured and I feel I was given a great deal. I will definitely use this service again in the future. regards Read more
payingtoomuch.com
 
5
08 Sep
Easy quick and more importantly cheap
The operator was polite friendly and made everything clear . Sorted in no time . Definitely use again . Read more
payingtoomuch.com
 
5
05 Sep
Does what it says in the add!
Excelent poliet service, quick and helpful, and a good deal to boot Read more
payingtoomuch.com
 
5
05 Sep
Very helpful & Efficient :- )
Steve at PTM was very helpful with he's advice regarding which policy to go with... Would recommend to anyone looking for any sort of insurance A+++ Read more
payingtoomuch.com
 
5
04 Sep
very quick to to email all my paper work
I phoned up and it was all done with in ten minutes. very pleased i will used them again Read more
payingtoomuch.com
 
5
04 Sep
Great value for the price
Very happy with the service. This is the second time I have used them. 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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Please untick this box if you don't want to receive email updates from payingtoomuch.com in the future.
 

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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