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Customer Reviews
 
9.7 out of 10
647 customers have written a review on Trustpilot
Latest Reviews
payingtoomuch.com
 
5
17 Apr
The girl on the other end of the phone very helpful and courteous
Speaking with your adviser was like speaking with a friend and I would recommend your company to all of my friends. Read more
payingtoomuch.com
 
5
17 Apr
Professional to the point knowledgeable and friendly
Phoned for a travel insurance quote was amazed when after just one ring I was answered by a human voice the lady knew exactly what I needed after I gave her my details.Within 5 minutes we concluded our business and I purchased the travel insurance.A very good experience thankyou Read more
payingtoomuch.com
 
5
17 Apr
Good cover at a very competitive price
Easily and quickly booked with good cover at a very competitive price. Information and full details viewable immediately and copy emailed out upon completion. Read more
payingtoomuch.com
 
5
17 Apr
Excellent knowledgable staff aiming to give the best service. Well done Payingtoomuch.com
I had approached a few travel insurance companies using the internet with no positive results. They were either too expensive or would not insure me at all with my pre-existing medical conditions. I received an email from Payingtoomuch.com advertising that service and I thought I would try them out. What a joy it was to speak to somebody over the phone who knew what they were doing And it was much Cheaper as well. Top marks PayingTooMuch.com Read more
payingtoomuch.com
 
5
16 Apr
Paying too much but not with this website.
I was delighted to be able to take out a policy with so little hassle. It was quick and straightforward not to mention good value. Read more
payingtoomuch.com
 
5
16 Apr
Took 2 Minutes ... Sorted
I have a pre-existing medical conditions and it still only took 2 minutes and we have peace of mind and at a great rate. Read more
payingtoomuch.com
 
5
16 Apr
What a pleasure very helpful
Spoke customer service and the people were very helpful and took us all through the medical line it was a pleasure to take our holiday insurance with you. The girl I spoke to was Emma and she was very courteous and a pleasure to speak to . Thank you . Read more
payingtoomuch.com
 
5
15 Apr
Excellent it was so easy
I had to ring to make sure I had done it correct Beth was very helpful and yes I did it all okay! Read more
payingtoomuch.com
 
5
15 Apr
Overwhelmed and overjoyed
Having exhausted other insurance companies, and having been turned down or been given quotes in the thousands, very pleased with the treatment given to me by payingtoomuch.com Read more
payingtoomuch.com
 
5
15 Apr
Insure here to assure.
Easy to use quick and not too much fuss. Read more
payingtoomuch.com
 
5
14 Apr
Excellent service
I had made a mistake completing the information on the website but this was not a problem when l rang through. The phone was answered straight away by a friendly advisor who took me through the quote process. There was no pressure selling and all of my questions were answered fully. I am very impressed with both the service and the price and will definitely recommend this Company. Thank you to Rob Dales who made the process painless - It's appreciated! Read more
payingtoomuch.com
 
5
14 Apr
Such helpful friendly people
I had contacted lots of companies and was beginning to get quite frustrated with the difference between premiums. In addition that a lot of the call centres would not call me back. If only I had found PayingTooMuch at the beginning of my search. They will always be my first port of call in the future. Thank you so much for making life a little easier. Read more
payingtoomuch.com
 
5
14 Apr
am i bovvered not any more
i've just been talking to a girl at some place called paying to much.co place ? well as a grey haired old sod who thinks dot comm was a dating site ,the young lady kindly talked me through everything would definitely use them again & i'm well chuffed thanks ..... Read more
payingtoomuch.com
 
5
12 Apr
Very speedy efficient service
Brilliant service, from original online application to follow up call & completion of insurance. All questions answered in layman's terms no high falutin terms, all very straightforward. I would have no hesitation in recommending this company. Sincere thanks to all Read more
payingtoomuch.com
 
5
12 Apr
Very easy to deal with
What a joy to deal with people who are not only very helpful but also very knowledgeable, both my wife and myself were very impressed and would recommend them. Read more
payingtoomuch.com
 
5
11 Apr
Efficient.. Friendly and good prices
Used them last year .. Great price .. Very helpful this year .. Just deciding which company to use this year .. All recommended by paying too much .. Thank you Read more
payingtoomuch.com
 
5
10 Apr
No longer paying too much
I found the staff extremely helpful and courteous in dealing with my insurance requirements. They found a quote acceptable for me four times cheaper than one of the major tour companies. I would certainly use them again. Thank you. Read more
payingtoomuch.com
 
4
10 Apr
A bit pricey for the elderly
A £15 increase over last years price because I'm 12 months older with NO added ailments seams a lot Read more
payingtoomuch.com
 
5
10 Apr
value for money
I was looking around for some insurance cover as I have a few medical conditions I tried all the old ones that are advertised in the press for the older person I then thought go on line I was surprised at difference in the cost of my insurance policy than those in the press all I can say is try it and you will find it much cheaper and also the people are nice you talk to and understanding I give payingtoomuch.com 5 stars thank you Read more
payingtoomuch.com
 
5
09 Apr
A quick, knowledgeable and friendly response ensures you receive the order.
I Used the internet to see if I could find some reasonable quotes for a 77 year old to travel on a ten day holiday to Italy. I was aware of the reports of the very high premiums being asked some of which are between £80.00 and £100.00. I was very pleased, then, to find a couple of brokers offering quotes around £35/40 . The first of these was fairly simple to follow, but when I wanted to make ab amendment I found it would not let me. The second was more straightforward, I was able to enter all that I needed in a simple format but the quote given was higher. Both companies then emailed me with their best quotes. I then telephoned the one with the lower quote telling them my dilemma and they promised to phone back - but they didn't. I then phoned Payingtoomuch.com who were charming, informative and knowledgeable and I had no hesitation in placing the order on the spot. Good and prompt service is KING. Read more
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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 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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