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Customer Reviews
 
9.6 out of 10
788 customers have written a review on Trustpilot
Latest Reviews
payingtoomuch.com
 
5
23 Jul
Great service
Was very happy with the advisor Amanda. She was very helpful. Best quote I have received I would recommend Read more
payingtoomuch.com
 
5
23 Jul
Great cover, great premium!!!!!!!!
Booked a holiday today and needed insurance to cover pre and existing illness they quoted me £71.50 contacted "Paying Too Much" who quoted me £26.48 no competition !!!! Read more
payingtoomuch.com
 
5
22 Jul
good communication with emma
everything made easy for me thank you Read more
payingtoomuch.com
 
5
21 Jul
Quick easy insurance cover.
I found the site easy to negotiate and the anticipated questions about pre existing conditions were as expected.It was easy to contact a member of staff who was really helpful and the job was done in no time with policies coming through very quickly by e mail.I will use this site again. Read more
payingtoomuch.com
 
5
21 Jul
far above the norm
The service i was given for choosing travel insurance,was exellent,friendly and polite,Becky was so helpful and cheerful,made my day,will recommend to any one looking for insurance,will use again. Read more
payingtoomuch.com
 
5
19 Jul
5 stars says everything
Very simple and easy to deal with,pleasant and helpfull operator.Abig thank you Read more
payingtoomuch.com
 
5
17 Jul
Paying Too Much.com now, should be renamed Don't Pay too Much.com now.
I had an email in my junk box for my mother in law from Paying Too Much.com now. It was for travel insurance, so I thought I'd get a quote for the holiday we've booked to Florida from them. I've had two or three quotes from different companies but this was the best. Because I have a medical condition, I knew it would cost more than a normal family policy, but it turned out to be a good price. I have had a slightly cheaper quote but the cover was not as good, so a few minutes on the phone to a very nice lady ( Emma ) and it was sorted. Thank you Paying Too Much.com now. Read more
payingtoomuch.com
 
5
17 Jul
Excellent Service.
The lady in question was fantastic,everything was explained,lovely telephone manner.would reccommend to friends and family.Excellent customer service. Read more
payingtoomuch.com
 
5
16 Jul
Outstanding! Glad to find them.
I am so grateful to PayingTooMuch.com for helping me with travel insurance for my son who has had a heart transplant and needed to declare all that had gone before medically. No one else would insure him but PayingTooMuch.com were even able to advise that he can participate in school trip with a responsible adult. Before I took out our policy a very kind customer service advisor talked through with me why insurers ask so many detailed questions and put my mind at rest that we weren't being penalised or singled out because of my son's medical history. Read more
payingtoomuch.com
 
5
15 Jul
Over80. Travel insurance--a problem?
Finding insurance to cover our pre-existing medical conditions can be a nightmare but not with the help of Paying Too Much Very helpful and courteous.. Thank you.............. Read more
payingtoomuch.com
 
5
15 Jul
The website was user-friendly and found me a quote at a fantastic price.
The site was so easy to use, I just filled in my details and was presented with an excellent quote. Read more
payingtoomuch.com
 
5
15 Jul
Payingtoomuch.com don't take advantage of people with pre-existing medical conditions.
Much more competitive than other insurance companies. Amanda was so very helpful & informative. Was friendly & made me feel re-assured. I had quotes from other companies which were £30 more expensive. I wouldn't hesitate to book with them again. Thank you Read more
payingtoomuch.com
 
5
14 Jul
Very happy with my experience
I found them on line, they are a very helpful company, I will use them again, if I going on holiday, Cheers for all your help. Read more
payingtoomuch.com
 
5
14 Jul
Fast and efficient
I received a quote for my travel insurance just a few seconds after I had answered the relevant questions. and a very quick follow-up email. Read more
payingtoomuch.com
 
5
14 Jul
Lisa was very helpfull, explaining things clearly.
I found Lisa explained things clearly. She was very patient and went through things explaining things as she went. I will tell people about how pleased I was with your firm. Read more
payingtoomuch.com
 
5
14 Jul
No Problems
Quick & easy from enquiry to acceptable quote Read more
payingtoomuch.com
 
5
14 Jul
excellent
as an OAP it was good to find a company that did not penalise me for a slight health problem,easy website, easy to purchase a policy ,will certainly be recommending to friends. Read more
payingtoomuch.com
 
4
13 Jul
Used and used again
PTM were efficient and easy to deal with. Fast email response with quotes and docs once confirmed. Would use again. Read more
payingtoomuch.com
 
5
13 Jul
great for various disabilities
I have had difficulties in past, getting quotes for both my husband and my son, on the same policy, it was ridiculous, and ended up paying £180 last year, for a yearly one through my bank account for the both of them,but as we only needed it for one trip this was ridiculous, but needed to be done, this time, I have been able to get exactly what I want, when I want, and for a fraction of the cost, £33 for all of us, I couldn't believe it, the lady who also took my call was lovely, couldn't of been more helpful and understood my frustrations in the past, would well and truly recommend them, especially if multiple people, in your trip have disabilities Read more
payingtoomuch.com
 
5
10 Jul
wouldn't use anyone else!
I only wish i had found them earlier, they are so friendly and extremely helpful. I wouldn't go anywhere else now - and I got a fantastic quote. I can't rate them highly enough. 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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