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Customer Reviews
 
9.7 out of 10
911 customers have written a review on Trustpilot
Latest Reviews
payingtoomuch.com
 
5
19 Oct
Great service, Very easy, Understandable.
Easy to set up as person to talk to was Great!!! Read more
payingtoomuch.com
 
5
18 Oct
Quick and Speedy Service
Everything on the application was clear and easy to complete. Read more
payingtoomuch.com
 
5
17 Oct
efficient and friendly
Great customer service from Amanda when I couldn't find my illness in the drop down menu. Very reasonable. Read more
payingtoomuch.com
 
5
17 Oct
AMANDA Like a school teacher.Expains very clearly & simple.
feels that they care & wants your custom. very good. Read more
payingtoomuch.com
 
5
16 Oct
One phone call job done!!!
Thanks to Steve for making our applications painless he is a credit to your company, Read more
payingtoomuch.com
 
5
16 Oct
Clear and straight forward!
Have been shopping around for a cover and found this website very helpful and good value. Read more
payingtoomuch.com
 
5
15 Oct
Cool And No Fuss
No Fuss No Hassle How Cool For An Insurance Quote Read more
payingtoomuch.com
 
5
15 Oct
A Pleasure to do business with.
Did most of it on line very straight forward had a call from them and completed payment etc over the phone extremely competitive and a pleasure to do business with will use in the future, and very highly recommended a big thankyou. Read more
payingtoomuch.com
 
5
14 Oct
Great value travel insurance for over 85 year olds.
Finding cheap travel insurance for the over 85s is incredibly difficult. I turned 85 this year and I notice a huge increase in premiums. Thanks to your website, I'm going to pay less than £5 a day for my next trip to Italy. The cheapest rate on GoCompare was 3 times as much! Read more
payingtoomuch.com
 
5
10 Oct
Highly recommended
Lovely friendly people have used on many occasion Read more
payingtoomuch.com
 
5
10 Oct
headache--- GONE
Had gone round and round the web sites and found it so confusing, alright if you have no medical conditions but a real headache otherwise. Gave up and rang payingtoomuch, had a lovely lady called Emma . who sorted me out in 5 minutes, took my payment over the phone, all done, what a relief. When you are not so good on the computer it is nice to talk to a voice, Thank you Jill Read more
payingtoomuch.com
 
5
10 Oct
very helpful and knowledgable
i had never heard of paying to much.com until i recently tried to get life cover quotes. the person i spoke to was extremely helpful, and swiftly guided me through the quotation process. he was very helpful, and explained if i had any concerns. i would certainly recommend this company to anybody who may be looking to obtain life cover insurance. Read more
payingtoomuch.com
 
5
09 Oct
Excellent service
I recently contacted Paying Too Much to arrange holiday insurance for a one-off trip for my 88 year old parents. I spoke to two very pleasant ladies Becky and Amanda who were extremely helpful and sorted out a very reasonable quote. I would definitely use this company again Read more
payingtoomuch.com
 
5
09 Oct
WOW Pays to shop around
Got a couple of quotes before this for our travel insurance they were really expensive, thought I was asking to go to the moon, then spoke to a lovely lady Emma she was brill gave lots of details and a few different options. Hope her boss reads this he may give her a raise. Will definately be asking for quotes for car and home insurance when they come up for renewal, maybe able to save lots of money. Read more
payingtoomuch.com
 
5
09 Oct
Worried but no need
Completed page after page the application for life insurance,and after approx 20 min's the computer crashed, sitting there thinking should i go through all this again. When a very nice man from Paying too much. com telephoned and helped me to complete the application. EXCELLENT. KEEP UP THE GOOD WORK Very Pleased Read more
payingtoomuch.com
 
5
08 Oct
I was paying too much but not now.
Travel Insurance for an 80 year old with medical conditions is very, very costly and difficult to obtain but when I found Amanda the process was so much easier her pleasant personality really made a difference to the whole process and at a much lower cost than I had been paying with previous insurers whose quote had almost doubled this year so very many thanks to PayingTooMuch for having a more reasonable quote. I would certainly recommend. Read more
payingtoomuch.com
 
5
07 Oct
A1 Sales team, very competative rates, easy to complete the transaction, will use again
After trying most of the afternoon on the phone to get health insurance for my husband and getting quoted very high prices I goggled travel insurance for heart attacks and came across this site, they were very understanding easy to go through the question and the rates were £70 cheaper than other high street insurers, will most definitely use again Read more
payingtoomuch.com
 
5
06 Oct
Very nice sounding caring people. They could not have been kinder.
A very good experience all round. Well done. Read more
payingtoomuch.com
 
5
06 Oct
My insurance
It was a good experience, after trying other companies and experiencing ridiculous prices some almost as much as the air fare on my holiday, I found one which met my needs, was quick and easy to deal with, and the lady who dealt with me was efficient and friendly. I am very satisfied Read more
payingtoomuch.com
 
5
06 Oct
This is a very helpfull company
Spoke to Amanda who was very helpful and polite .this is the second time I have used paying too much.com found them to be very reasonable with all there quote,s .will be back again to see what they can quote me for van insurance. Thanks a lot for you help will recommend to my friends and family. Cheers Mr m Thornton Read more
TRUSTPILOT

Permanent Life Assurance Comparison

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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