PayingTooMuch Reviews 96,669

TrustScore 5 out of 5

4.8

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the competitive and reasonable pricing, especially for those with medical conditions or older travelers, often finding better deals than elsewhere. The website and overall user experience are frequently highlighted as easy to use, straightforward, and efficient, allowing for quick policy purchases. Many people also commend the staff for being polite, helpful, knowledgeable, and providing excellent service. However, some customers also noted occasional issues with staff accents making communication difficult, and a few experienced technical problems with the website. There were also isolated instances where individuals felt that their specific needs were not fully understood or that the company failed to provide promised quotes.

What people talk about most

Price

Users describe positive interactions with price, often finding competitive and reasonable rates for various... See more

User experience

Reviewers consistently report positive feedback about the user experience. Customers found the website and... See more

Website

People report positive experiences with the website. Many customers found the website easy to use, quick, and... See more

Staff

Customers had positive experiences with staff. Many reviewers praised the politeness, helpfulness, and... See more

Service

Customers consistently note positive experiences with service. Many reviewers praise the efficiency,... See more

Based on these reviews

Rated 5 out of 5 stars

Saw this link on Martin Lewis' MoneySavingExpert website. Thought I'd see how much travel insurance would cost for a 10 day holiday to Hong Kong. So glad I did. Avanti was quoting over £300 for two of... See more

Rated 5 out of 5 stars

Having multiple and incurable illnesses, finding travel insurance isn't easy. I got a really great policy which covered everything I needed and much more & for such a good price. I'll definitely use t... See more

Rated 5 out of 5 stars

The questions were straight forward. It was easy to follow. My wife was refused travel insurance by a company we had been using for many years, although they said they would insure me!! Was I suppose... See more

Rated 5 out of 5 stars

Just a short note to thank Lance Fisher in Sales for his professionalism and helpfulness in sorting out a competitive price for our annual holiday cover. Nothing was too much for him and his attitude... See more

Rated 4 out of 5 stars

Good service as always with this company but ever increasing prices and not so competitive as before. Also had a job understanding the person taking the details because of their accent almost sounded... See more

Rated 5 out of 5 stars

We travel a lot throughout the year and had instance through our bank. Unfortunately my husband suffered anaphylaxis recently and had to ensure that travel insurance covered us just in case. So easy a... See more

Rated 4 out of 5 stars

The policy was easy to set up; now having a problem amending and registering a change in medical conditions. Rang, only to be cut off twice when pressing for the option 2 that I needed. Finally got t... See more

Company replied

Rated 5 out of 5 stars

Very easy to complete application. Terms and Conditions very easy to understand. Exceptionally good price for product. Fortunately I did not need to make any claims so am unable to comments on that as... See more

Rated 5 out of 5 stars

This travel insurance was really good it covered my holiday to Canada and it was cheap enough. The website is easy to use and i had my insurance all paid within 5mins. I am going to go with this comp... See more

Rated 5 out of 5 stars

First time using this company, absolutely over the moon. Saved myself nearly a £100 for travel insurance and got a better policy deal. Will be recommending them to all who will listen.

Rated 5 out of 5 stars

I am so grateful to have found this travel insurance after receiving frustrating and very expensive quotes from other companies. I am 70+ with complex medical needs and although thankfully I haven't h... See more

Rated 5 out of 5 stars

Agent had all information readily available Straight forward system easily used Knowing what I wanted prior to call made a huge difference and no time wasting

Rated 4 out of 5 stars

Ease of questions I have type 2 Diabetes. On tablets. Would appreciate it had they asked what medication I was taking, etc

Rated 5 out of 5 stars

Yes my experience was great. I had a lady on the phone who was extremely helpful ensuring my needs were met and I cannot thank the company enough for the professional manner in which they conduct thei... See more

Rated 5 out of 5 stars

Easy to use website. Price very competitive especially for older travellers like us. Of course you only know how good the insurance is if you need to use it.

Rated 5 out of 5 stars

I had an issue with my cover.I contacted the company direct and they resolved it for me. Nothing was too much trouble and they understood the problem I had. Would highly recommend them.

Rated 5 out of 5 stars

Extremely easy to use platform that covers pre-existing medical conditions. Compared to other insurance policies, the cover is more extensive than a lot of higher priced options. Easy to complete the... See more

Rated 4 out of 5 stars

Helpful not stressful at all made it easy for me to do as I am not very good at on line shopping but found this very easy to do

Rated 5 out of 5 stars

Very friendly staff and knowledgeable. My queries were dealt with quickly in a professional way reaching to a satisfactory conclusion. Very happy, many thanks

Rated 5 out of 5 stars

They was very polite and helpful and explained everything about the cover I chose and also my paper work came back quickly…will def use them again

Rated 5 out of 5 stars

Paying too much is very reasonable it's so straight forward the staff are very nice and friendly I asked for travel insurance in paper form and it arrived within a few days

Rated 5 out of 5 stars

Very quick to find insurance and the process on line was easy. The price was also very competitive. Definitely I'll be using again.

Rated 5 out of 5 stars

Used payingtoomuch for 4 trips this year, they were by far the cheapest out there for travellers with medical conditions.

Rated 5 out of 5 stars

I have always used this company for my trips a broad very helpful and polite and a reasonable price Janet B

Rated 5 out of 5 stars

Simple process for buying Travel insurance and all at great prices for any cover you require.

Rated 5 out of 5 stars

Easy and very quick to do and it gave us a list of over 30 travel insurance suppliers to chose from.

Rated 1 out of 5 stars

I manages to loose the email with my travel insurance details which was completely my fault but when I contacted this company they coukdnt of been more unhelpful. The chat bot referred me to customer... See more

Company replied

Rated 4 out of 5 stars

Very helpful receptionists, though their South African background often caused their English speech to become slurred & unintelligible. I had cause to ask them to repeat their questioning several time... See more

Rated 1 out of 5 stars

Spoke to Khaya simply to pay for a quote I had started on line but was having tech problems initiated by Paying Too Much. Khaya did not listen to this even though I repeated it several times - he jus... See more

Company replied

Rated 5 out of 5 stars

Very pleased with the efficiency shown when setting up the insurance 😀 Very quick to be sorted. Happy with the cost too. 👍

Rated 5 out of 5 stars

Very easy to follow and excellent pricing. This review is based on purchasing however, not claiming

Rated 5 out of 5 stars

Prompt service with details of what’s included and excluded in the travel policy. Competitive price for comprehensive insurance.

Rated 2 out of 5 stars

After clearly declaring health conditions,a price was given for the policy which I accepted and bought. When my policy came through my declared conditions did not appear on policy. After contacting Pa... See more

Company replied

Rated 5 out of 5 stars

Easy way to get insurance if you got any medical issues fast and efficient service definitely use this again

Rated 5 out of 5 stars

Using the website was eaay. When I had a question, I telephoned and the agent was polite and helpful. Thank you.

Rated 5 out of 5 stars

The gentle man that dealt with us was very polite and very help full in all the questions we asked thank you very much Londizwi

Rated 1 out of 5 stars

Very disappointed with this company this year. My husband has several medical conditions, but last year we were able to arrange, at considerable expense, an annual multi trip travel policy for him. Th... See more

Company replied

Rated 5 out of 5 stars

Easy to deal with gave first class information and quoted a very good price. Covered all aspects of the policy

Rated 1 out of 5 stars

Yes you will get some lower prices but if you need to claim they are not interested at all. I'm still trying to get my cancellation claim sorted from months ago. We all want a cheap price but you get... See more

Company replied

Rated 1 out of 5 stars

With 4 months remaining on my annual cover I had to declare that I had been diagnosed with cataracts which required removal. Although the 1st procedure was due after my next trip I was advised that... See more

Company replied

Rated 5 out of 5 stars

What are you waiting for. Good price, good cover. Beats other insurance companies with a competitive price for annual insurance

Rated 3 out of 5 stars

My first experience was poor as Kayleigh didn’t seem to understand my medical procedures wanted more information from my doctors and asked me to call back. After 4 request for her to call me back I le... See more

Rated 5 out of 5 stars

The person i spoke to was very clear and helpful and took my through all the details of my policy

Rated 5 out of 5 stars

The website was so easy to use and understand. The price of my travel insurance was the cheapest i was quoted

Rated 3 out of 5 stars

The staff were very helpful & explained everything clearly. No complaints there whatsoever, but I think your payment system needs attention. I had problems paying with my card.

Rated 1 out of 5 stars

I was quoted on 7 October from several companies for a two week trip to USA for March 2026. Very happy with quotes. Didn’t buy then as trip not confirmed There has been no change at all with my medica... See more

Company replied

Rated 1 out of 5 stars

Totally crap company. Took out a joint annual travel policy. My husband subsequently had a retinal tear & couldn't travel. I've sent everything requested - consultant's letters, hospital appointment l... See more

Company replied

Rated 5 out of 5 stars

Very easy and straight forward to use this site. Will definitely be using this site again. Many thanks

Rated 2 out of 5 stars

Completed the questions honestly with both mine and my husbands medical conditions, on completion they said they could not offer us insurance, (I have incurable but very treatable cancer). I have sinc... See more

Company replied

Rated 1 out of 5 stars

Sent forms 24th October 2025, rang up numerous times on hold for well over 45mins no answer. Rang today another 40mins on the phone, to be advised claim still hasn’t been acknowledged on the system. C... See more

Company replied


Company details

  1. Travel Insurance Company
  2. Insurance Agency
  3. Price Comparison Site

Written by the company

At PayingTooMuch, our mission is to help people stop paying too much for their travel insurance. As a trusted, dedicated travel insurance price comparison site, we take the hassle out of finding the right policy, so you don't have to pay for extras you won’t use. Travel insurance prices vary wildly, and that’s where PayingTooMuch comes in, compare your travel insurance in one place and get the support you need from our friendly team. Travel shouldn't have to stop as you get older. That’s why PayingTooMuch is here to help you find the right cover for you and your trip, giving you the freedom and flexibility to get the cover you need. Having travel insurance is more than just ticking a box. You’re paying for a worry-free holiday, knowing you’ll be sorted if the unexpected happens. Whether you’re looking to sail in the Mediterranean Sea or go on a long-haul trip around the world, you can get competitive quotes in one place in just minutes. We think finding a suitable deal should be a quick and easy process. That’s why we work with a range of travel insurance companies to provide you with cover that fits your unique needs. Compare quotes you can rely on and have a safety net for your next holiday.


Contact info

4.8

Excellent

TrustScore 5 out of 5

97K reviews

5-star
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3-star
2-star
1-star

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Rated 2 out of 5 stars

Wrong information

When I took the policy out, I was told I could add my husband at a later date, but would have to speak to customer services. I phoned back today to be told i cannot make any amendments to my policy. Not happy i now have to take out another policy.

23 March 2026
PayingTooMuch logo

Reply from PayingTooMuch

Dear Andrea,

Thank you for your review, I am sorry you are unhappy with your recent encounter with PayingTooMuch.

I am sorry to hear that your recent contact with us resulted in a misunderstanding. I have checked the account and can see that a call listening request has been submitted. Please be assured that someone will contact you with the outcome and the next steps once the call has been reviewed.

Once again, please accept my sincere apologies for the inconvenience and any frustration caused.

Kind Regards
Michelle

Rated 1 out of 5 stars

AVOID - Extremely frustrating – still no policy documents

I purchased travel insurance and have now tried five times to have my policy documents emailed to me, but they still have not been sent. Each time I contacted customer service I was told the documents would be sent shortly, yet nothing has arrived.

I have checked my inbox and junk folder and I am receiving other emails without any problem, so the issue is clearly not on my side. Being told to wait up to an hour for something that should be sent instantly is completely unacceptable.

This has been extremely frustrating and worrying, as I should have immediate access to my insurance policy after purchasing it. At the moment I have paid for a policy but do not even have the documents to prove my cover.

Very disappointing service and would certainly not recommend

25 September 2025
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Reply from PayingTooMuch

Dear Justine,

Thank you for your review, I am sorry you are unhappy with your recent encounter with PayingTooMuch.

I am sorry to hear that you have not yet received your documents. I can see from the account that we have sent them several times to you and also to different email addresses. I can also see that you have raised a complaint regarding this, please be assured that the complaints team will pick this up and contact you as soon as possible.

Once again, please accept my sincere apologies for the inconvenience and any frustration caused.

Kind Regards
Michelle

Rated 2 out of 5 stars

worthless Emails

Completed the questions honestly with both mine and my husbands medical conditions, on completion they said they could not offer us insurance, (I have incurable but very treatable cancer). I have since had two emails from them asking me to pick up where I had left off and that they 3 cheapest quotes were below, no quotes were in the email because as they said they could not offer this to us. This is very distressing, I went to them after reading an article on the company and find it difficult to find reasonably priced holiday insurance. Why send emails that are not relevant.

10 March 2026
Unprompted review
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Reply from PayingTooMuch

Dear Mr & Mrs Blythe,

Thank you for your review, I am sorry you are unhappy with your recent encounter with PayingTooMuch.

I am sorry to hear that we were not able to offer cover to you at this time and that you are receiving emails. Unfortunately as I have no details to locate you could you please email us at help@payingtoomuch.com stating that you want to be removed from emails and they will be able to do that for you.

Once again, please accept my sincere apologies for the inconvenience and any frustration caused.

Kind Regards
Michelle

Rated 1 out of 5 stars

STILL WAITING FOR THE POLICY STILL…

STILL WAITING FOR THE POLICY STILL NOTHING AFTER 5 WEEKS ??????????????????????

1 February 2026
Unprompted review
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Reply from PayingTooMuch

Dear Raymond,

Thank you for your review, I am sorry to hear that you haven't received your policy.

I have requested further information via trustpilot so that I can pass this on to the relevant team to send to you. Please check your junk/spam email folder in case it has dropped in there.

My apologies for the frustration caused.

Kind regards

Yvonne

Rated 1 out of 5 stars

what a shock when i got a quote it was…

what a shock when i got a quote it was 3 times the price of other quotes i received

2 March 2026
Unprompted review
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Reply from PayingTooMuch

Dear Philip,

Thank you for your review, I am sorry you are unhappy with your recent encounter with PayingTooMuch.

Our premiums can vary due to several factors, including inflation, rising medical costs, and the overall claims experience of the underwriter in the preceding year. Additionally, broader market conditions can also influence pricing. Therefore, even if there have been no changes to your coverage, such as health or destination adjustments, other factors may still impact the premium being offered.

Once again, please accept my sincere apologies for the inconvenience and any frustration caused.

Kind Regards
Michelle

Rated 1 out of 5 stars

Don't use - very unreliable and unempathetic

This company took my money after I had declared all relevant medical conditions for my travel insurance. When I contacted them to tell them about a change in my husband's conditions, they were extremely unempathetic (which is very poor for a company who deals with people with serious medical conditions) and more or less treated me like a criminal (they said we should have declared a condition that we did not know about when we purchased the insurance - if you understand that please let me know!).

So my advice is to not deal with this company if you think that your medical condition is going to change. We are having to cancel our holiday because of this company!

26 February 2026
Unprompted review
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Reply from PayingTooMuch

Dear Caroline,

Thank you for your review, I am sorry you are unhappy with your recent encounter with PayingTooMuch.

I am sorry to hear that your recent contact with us was not up to our usual high standards. Unfortunately as you have not given any information regarding the policy I am currently unable to look into this for you. I have requested more information via Trustpilot in order for me to investigate this further.

Once again, please accept my sincere apologies for the inconvenience and any frustration caused.

Kind Regards
Michelle

Rated 1 out of 5 stars

Just not acceptable

Multi-trip travel insurance with winter sports cover. I was contacted this morning by my travel company to advise me that winter sports insurance cover for Italy must include third party cover by law. I rang customer services to confirm this but they could not tell me and referred me to the underwriters, who also would not say and passed me back to customer services! I then spoke to a manager who was no help either. The policy booklet is totally silent on this.

This is most unsatisfactory when it's a legal requirement in a major winter sports destination (which has just held the winter Olympics, for goodness sake!). One would have thought that it should be a standard element of even the most basic level of cover.

RESPONSE TO THEIR REPLY: my point is simple. Neither your customer services (twice), the claims department nor the manager could tell me one way or the other whether the insurance includes third party cover or not. They just had no idea. surely it must or it would be useless but when this is a mandatory requirement in a country it's important to know for certain.

This ignorance of what the policy even covers did not give reassurance should a claim actually arise.

24 February 2026
Unprompted review
PayingTooMuch logo

Reply from PayingTooMuch

Dear Old Pigsquel,

Thank you for your review, I am sorry that you are unhappy with us and the service provided recently.

I don't have any information to be able to look into this for you, so I have requested further information via trust pilot. Once I have this, I can have this looked into asap.

My apologies for the frustration caused.

Kind regards

Yvonne

Rated 1 out of 5 stars

I used PayingTooMuch.com to find…

I used PayingTooMuch.com to find cheaper travel insurance, but due to my medical condition the quotes were limited and customer support was slow to respond, which made my experience disappointing.

16 February 2026
Unprompted review
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Reply from PayingTooMuch

Dear Alex,

Thank you for your review, I am sorry that you are unhappy wtih us and that the service was slow.

We do have a number of insurers on our panel and the system automatically checks which insurer can cover all of your demands and needs.

If you still need assistance, please don't hesitate to contact us and we will be happy to assist.

My apologies for the disappointment caused.

Kind regards

Yvonne

Rated 1 out of 5 stars

Paid £299.14 but

Paid £299.14 but, they deny this. After paying they still kept emailing me offering travel insurance. When I said I'd taken out insurance with them they said not since 2023. I have a screenshot of my order and payment and I have given the details to my bank. I have already sent a copy of my receipt to paying to much and I have just sent them another one. The policy number is IM4115244942 Now they are saying that the policy number is from InsurerMe4 who I've never heard of. They are unbelievably dishonest.

9 February 2026
Unprompted review
PayingTooMuch logo

Reply from PayingTooMuch

Dear Jane,

Thank you for your review, I am sorry you are unhappy with your recent encounter with PayingTooMuch.

I am sorry to hear of the issue you are having. Unfortunately as you have not provided any information regarding your policy I am currently unable to assist you. I have requested more information via Trustpilot, please could I also ask you to send a copy of the screenshot that you have to Help@PayingTooMuch.com with an outline of what has happened.

Once again, please accept my sincere apologies for the inconvenience and any frustration caused.

Kind Regards
Michelle

Rated 1 out of 5 stars

Poor claim response

All the correct documentation was submitted and after several weeks ( 10 plus ) I received a "settlement"
The claim was incorrectly assessed and I complained by return on 4/12/2025
2 months later and I have still had no response to my complaint or offer to re assess correctly !

23 September 2025
Unprompted review
PayingTooMuch logo

Reply from PayingTooMuch

Dear Brian,

Thank you for your review, I am sorry you are unhappy with your recent encounter with PayingTooMuch.

I am sorry to hear of your recent claims experience. Unfortunately PayingTooMuch has no access to any claims information. You would need to contact the claims team directly, their details can be found in your policy wording booklet.

Once again, please accept my sincere apologies for the inconvenience and any frustration caused.

Kind Regards
Michelle

Rated 1 out of 5 stars

Last year I paid £666 for a multi trip…

Last year I paid £666 for a multi trip (annual cover). Visiting Canada USA and cruise cover . Yesterday I was quoted £1800 for the same cover . Nothing has changed with my medical history (only 1year older) the only thing that has changed is my address.

2 February 2026
Unprompted review
PayingTooMuch logo

Reply from PayingTooMuch

Dear Margaret,

Thank you for your review, I am sorry you are unhappy with your recent encounter with PayingTooMuch.

As I am sure you will appreciate, there are multiple factors that can affect the cost of a travel insurance policy. These include for example general price increases, the age of a traveller, their medical conditions (some conditions cost more to cover than others and how you've answered the questions), the medical treatment costs in the country of travel (medical costs in different countries vary, and change day-by-day), the type of policy.

Once again, please accept my sincere apologies for the inconvenience and any frustration caused.

Kind Regards
Michelle

Rated 1 out of 5 stars

Very abrupt,

Told them everything they needed to know,Out of the blue got a letter from my gp,To check up on slipped disc situation,Rang paying too much,to inform them it was just a check up,Customer service really bad,Treated very badly,Would not ever use again.

20 November 2025
Unprompted review
PayingTooMuch logo

Reply from PayingTooMuch

Dear Alice,

Thank you for your review, I am very sorry to hear that the service you received was not up to our usual high standard.

As I don't have any policy details for you, I have requested further information via trust pilot so that the matter can be investigated.

My sincere apologies for the upset caused.

Update: Thank you for providing more info. I have passed this to the managers for review. My apologies once more.

Kind regards

Yvonne

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