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Customer Reviews
 
9.7 out of 10
827 customers have written a review on Trustpilot
Latest Reviews
payingtoomuch.com
 
4
19 Aug
Cheaper than gocompaire
Gocompaire price was £100 more so I am happy Read more
payingtoomuch.com
 
5
19 Aug
Easy peasy as lemons queasy
Made a phone call to arrange for travel insurance had my insurance quotes within minutes from a very helpful lady and courteous (Becky), this I the third time I have used paying to much and would highly recommend them. Read more
payingtoomuch.com
 
5
19 Aug
fantastic
I have been quoted over £150 by some companies, found payingtoomuch.com by accident and paid less than £70 for a family of 4. I won't be going any where else. thank you payingtoomuch.com Read more
payingtoomuch.com
 
5
18 Aug
THE CLUE IS IN THE NAME
FIRST CLASS SAYS IT ALL VERY PLEASANT STAFF ALL DONE WITHIN MINUTES WHAT A CHANGE WILL USE AGAIN VERY SOON Read more
payingtoomuch.com
 
5
18 Aug
UNBELIEVABLE prices and FANTASTIC service too. Highly Recommended.
My utmost thanks to Emma at Paying too Much for taking the strain out of searching for Travel insurance with pre existing medical conditions. NO STRESS NO HASSLE ( unlike a lot of companies and websites) it was so easy with Emmas professional and knowledgeable mannerand approach. Then the ultimate bonus a saving of 40% on my previous lowest quote. Thankyou to Emma and Paying Too Much. WILL DEFINITELY USE AGAIN. Read more
payingtoomuch.com
 
5
18 Aug
Travel Insurance with no fuss.
Very good service I will always get my travel insurance with PayingTooMuch BRILLIANT. Read more
payingtoomuch.com
 
5
14 Aug
IF ONLY I HAD FOUND THIS COMPANY SOONER
Great Company! Great Price! Rob Dales who I spoke to was such a helpful and efficient member of staff and a credit to this organisation. Excellent Customer Service and cannot believe the savings we made and will most definitely be using them again in future and would highly recommend them. Read more
payingtoomuch.com
 
5
13 Aug
So Easy and Quick
We used this company and could not fault them we would use them again its worth getting a quote Read more
payingtoomuch.com
 
5
13 Aug
Fantastic Service - Fantastic Price - Fantastic Travel Cover
When I telephoned for a quote I was sceptical because I have pre existing medical conditions and this was by far the best price and the cover was as good as all the rest. The gentleman I spoke to on the phone Rob Doyle was professional and pleasant!. Would recommend on service received alone! Read more
payingtoomuch.com
 
5
13 Aug
What a efficient lady with a lovely voice and helpful in every aspect.
I felt comfortable talking to this lady which to me is important as I am sharing all my personal health details with her. She was patient and listened to all I had to say and then provided me with a choice of quotes. At no time did I feel pressurised in making a decision there and then. Just the sort of service I like. Read more
payingtoomuch.com
 
5
13 Aug
Where off to see the wizard, the wonderful wizard of OZ !
We've just booked our travel Insurance for our trip to Australia Jan 2015 - Feb 2015 and I'm staggered at HOW MUCH MONEY WE'VE ACTUALLY SAVED, close to a £100 !!! The staff we're very helpful, friendly and professional. We'll definately use this company again not to mention recommend them, not just for our TRAVEL INSURANCE but for our HOUSE HOLD INSURANCE and CAR INSURANCE ..... We'll be back :) Read more
payingtoomuch.com
 
5
13 Aug
Excellent service
Have recommended PTM to family and friends. All done and dusted by an extremely pleasant lady. Read more
payingtoomuch.com
 
5
12 Aug
easy and efficient that is why I returned
Have found that the agent is polite,helpful and efficient. Read more
payingtoomuch.com
 
4
12 Aug
Helpful, friendly and efficient staff
Although I had some problems with the website (I just COULDN'T get rid of that gurning green bin!), I was impressed with the courtesy and helpful attitude of all the staff to whom I spoke. I have used this site for the last three years and wouldn't go anywhere else now. Read more
payingtoomuch.com
 
5
12 Aug
very happy
first class service second to none very helpful ,thank you . Read more
payingtoomuch.com
 
5
12 Aug
assurance while dealing with insurance
Very helpful staff and efficient service Read more
payingtoomuch.com
 
5
11 Aug
Very good service which was easy to navigate
The quotes were excellent, most of them with well established companies. Very quick to make a decision with a phone call to confirm all was OK and that I wished to go ahead and except the offer. It's not very often a shopping experience is as trouble as this one. A big thanks to the Paying TooMuch team! Read more
payingtoomuch.com
 
5
09 Aug
Excellent service
Excellent service, very polite, friendly and helpful staff. Very efficient. Used company last year, again this year and wouldn't hesitate to use them next year too. Read more
payingtoomuch.com
 
5
09 Aug
Excellent service!
Had trouble getting travel insurance for my mum (taking her to Chicago for a "special" birthday). I was either refused or it was unaffordable, saw Paying too much.com online and gave them a call.... Success! Even with my mums current medical conditions and past medical history they managed to find affordable travel insurance for her! Thank you Emma Read more
payingtoomuch.com
 
5
09 Aug
THE BEST TRAVEL INSURANCE ON THE INTERNET
If you want good value holiday insurance use this company I have used them before and found them the best value some of the other companies for example Saga are nearly double the price so as I have said before this company is the best so please do not waste your time getting other quotes as I have done this and believe me for the over 70's they are tops. I had to ring them in March to change a policy and the girl was very helpful on the phone . 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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