Log in or register to retrieve your quotes
Customer Reviews
 
9.7 out of 10
843 customers have written a review on Trustpilot
Latest Reviews
payingtoomuch.com
 
5
01 Sep
It was so easy
I was able to get life insurance that I can actually agord there will be enough to pay for my funeral and still leave a bit for my children. Read more
payingtoomuch.com
 
4
01 Sep
Very helpful
First impressions excellent very helpful and if I save money in the process then it's got to be bonus. I would recommend to anyone. Read more
payingtoomuch.com
 
5
01 Sep
Everyone is so helpful, brilliant
Nothing was too much trouble, with our health conditions we thought no one at all would cover us, what a relief, we can go away with peace of mind now. Phew! Read more
payingtoomuch.com
 
5
01 Sep
BEST SAVING I HAVE EVER MADE
I had been quoted £400 for insurance for my son to go to America. I came across ptm as I thought I would try and find another company that would insure my 18 year old son who has a diagnosis of Aspergers amongst others as well. I was astounded at the difference in price and asked the advisor was she sure that was correct and went through every detail again and it was exactly as the other policies I had been quoted with all disclosures and including my 15 year old and myself which was a bonus as we hadn't been included on the other quotes. TOTAL SAVED £275.00 now that's what I call a bargain and the extra money saved I was able to spend actually doing something worthwhile with my children. Read more
payingtoomuch.com
 
5
31 Aug
A no-nonsense, very professional company to do business with, combining clear & precise information delivered by very polite & courteous advisors. :)
I am currently mid-term under my second 'medical travel insurance policy' with this company and am pleased that I found this site whilst doing an online search! The advisors are very patient when discussing your requirements etc.and are keen to deliver the right policy for you! Their knowledgeable understanding of the complicated insurance business is foremost and gives confidence to the customer. I am very happy with the service and the price of my policy. (I was sold my policy by Rob Dales, a fine ambassador for this company). Read more
payingtoomuch.com
 
5
30 Aug
Value for money - excellent customer service
Don't go any where else for travel insurance - the help I received was second to none. My husband has a number of health conditions and the customer services representative could not have been more helpful. Its a great big thank you from me! Read more
payingtoomuch.com
 
5
29 Aug
very inpressed with the service and quality of the insurance
I found the service easy, quick, helpful and reassuring. I will certainly be telling people I know :) my daughter has a medical condition but we've not really travelled since knowing about it so I found this service really reassuring Read more
payingtoomuch.com
 
5
29 Aug
GREAT COMPANY TO DEAL WITH
I am glad I spoke to this company,they sorted out my life insurance quickly and professionally. They sorted out a fantastic monthly payment for me and the wife. They know there stuff and the people on the phone are great and very helpful and polite and you are not forced into any thing. Cant ask for better. Read more
payingtoomuch.com
 
5
28 Aug
Excellent service
Excellent service delivered, answered all my queries and was able to provide a very competitive holiday insurance quote. Will definitely use again. Read more
payingtoomuch.com
 
5
27 Aug
Brilliant, informed and intelligent service for Travel Insurance
We dealt with Michelle who was most helpful, explaining all the features of the policies and going in to great detail about our various past medical issues. She got us a very attractive quote, less than half of that offered by Age UK. The whole matter was all done and dusted with speed, charm and efficiency. Well done Michelle! Harry and Maggie Read more
payingtoomuch.com
 
5
27 Aug
Easy and painless.
Using payingTooMuch was very easy. The call cente lady listen to what I had to say and then pointed me in the right direction. Read more
payingtoomuch.com
 
5
26 Aug
very helpful and friendly staff
will recommend them to anyone, very helpful staff and cheap insurance Read more
payingtoomuch.com
 
5
25 Aug
Speedy, Polite, Helpfull
I could not ask for a better service, dealt with all my needs, and saved me pounds Read more
payingtoomuch.com
 
5
24 Aug
SAVED ME A SMALL FORTUNE
WISH I HAD FOUND YOU BEFORE Read more
payingtoomuch.com
 
5
23 Aug
Friendly-fast- great prices well named Paying Too Much !
I have just purchased travel insurance at the most reasonable price covering my trip to Mexico I have four pre existing medical conditions we are both over 70 I am more than pleased with this service thanks Becky Read more
payingtoomuch.com
 
5
20 Aug
Excellent service
I purchased a travel insurance policy for myself and my family and was guided by Emma Green she was very knowledgable kind considerate and efficient because of a certain medical condition I have . I cannot express enough how thorough and reassuring she was . The quotes were by far the cheapest , and I was told I will be kept on file for future trips and would not have to go through all the details again . I would certainly recommend this company to everyone and will definitely take my holiday insurance with them in the future . Many thanks for your guidance Emma you made my day . Read more
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
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 ?
Please wait - Loading
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.
Image 01 Image 02 Image 02