PayingTooMuch Reviews 96,671

TrustScore 5 out of 5

4.8

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the company for its competitive pricing, often highlighting significant savings compared to other providers. Consumers appreciate the straightforward and quick process of obtaining quotes, especially when dealing with pre-existing medical conditions. Many reviewers specifically mention the ease of use of the website, noting that the questions are simple and unambiguous. People express satisfaction with the helpfulness and professionalism of the staff, with some reviewers even singling out specific employees for their exceptional service. The level of cover provided and the clarity of policy terms are also frequently commended. Many consumers express their intention to use the company again and recommend it to others, citing overall positive experiences.

Based on these reviews

Rated 5 out of 5 stars

As an 82 year old couple that like to travel we struggled to find a competitive travel insurance quote. Contacted Paying Too Much spoke to a very clued in agent she came up with a very comprehen... See more

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

As a frequent traveller with disabilities, organising travel insurance is usually very complicated and very expensive. Such is life. As a retired Risk Manager, I want quality insurance. Paying Too... See more

Rated 5 out of 5 stars

What an ordeal trying to find a travel insurance that was not so ridiculously priced,for a couple who have medical issues. I spent hours filling in various online forms until finding Paying To Much... See more

Rated 5 out of 5 stars

Exhausting afternoon spent trying to get travel insurance for 46 days in Italy for over 70 with medical condition. Quotes far too high more than flight ticket! Finally found ‘Paying too much’ and f... See more

Rated 5 out of 5 stars

Superb,superb!! Such professionalism! So thoughtful and understanding! As a customer I will definitely make sure that payingTooMuch will always be my first port of call! The Crew down in South... See more

Rated 5 out of 5 stars

Questions asked were simple and unambiguous. Unnecessary questions were not routinely asked, as in so many questionnaires, (such as nonsense about racial ethnicity, or sexual deviancy). The web si... See more

Rated 5 out of 5 stars

sight was easy to follow with simple questions covering all medical problems the quotes were available quickly with full explanation of the covers available through paying to much will certainly... See more

Rated 4 out of 5 stars

No space or opportunity to explain a medical condition properly. I have rheumatoid arthritis which is fully under Control. I quit smoking 45 years ago and then only smoked very little. This disease ca... See more

Rated 5 out of 5 stars

Thanks your quote was so much cheaper than any other company and believe me I tried so many. These insurance companies that go into thousands are going to loose business so fast and rightfully so. I g... See more

Rated 4 out of 5 stars

Minimum wait to speak to a real person. Better to phone direct, for my cancer, you can go through all the questions online, but often be asked to phone anyway depending what your conditions are.All me... See more

Rated 5 out of 5 stars

I have visited my daughter in Dusseldorf several times over the last four years and Paying too much has become a staple 'go to' for travel insurance. I have used it already for my next trip in a few w... 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 5 out of 5 stars

first-class service from your agent.recommended by a friend and proven worthy as your agent covered all relavent bases asking clear precise questions and proving an excellent price quote for my trip... See more

Rated 5 out of 5 stars

I was searching for reasonably priced travel insurance for over 70's. I do not have any serious health issues. I am taking two short holidays abroad (one outside the EU) in the autumn Many sites were... See more

Rated 5 out of 5 stars

Excellent service over the 'phone to take out Travel Insurance. All questions asked clearly and explanations provided if required. Number of policies to choose from and emails of these received qu... See more

Rated 5 out of 5 stars

Excellent service again. My call was answered more or less straight away. Very professional and helpful approach by Pravesh(?) who patiently went in great detai through my complex medical exception; t... See more

Rated 5 out of 5 stars

We tried doing the form online but were worried it didn't contain enough information so decided to ring The lady on the other end was extremely helpful and patient taking us through the form step b... See more

Rated 1 out of 5 stars

Called to check our policy before travel to be answered by an Arrogant unhelpful lady. Asked to speak to her manager & she ended our call. Absolutely Disgusting Behaviour. Have had to take out... See more

Company replied

Rated 5 out of 5 stars

After many frustrating hours spent on the websites of other providers who eventually told me that they did not cover lymphoma, I found PayingTooMuch.com's website a complete relief and more user frien... See more

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 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

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 3 out of 5 stars

Until this last week always been very helpful. My dissatisfaction comes when I wanted to speak to someone higher in the chain so they were calling me back. Apparently they tried on the Friday but that... See more

Rated 1 out of 5 stars

Have not received documents. Money taken when arranged insurance. Cannot open documents sent. Cannot contact anybody to cancel They say they can't hear me but everybody else I ring can hear me! Tryi... See more

Company replied

Rated 4 out of 5 stars

Michelle your member of staff was very helpful on the phone yesterday. I had tried a number of times to email my request to renew my travel insurance. I had telephoned last week I requested a... See more

Rated 2 out of 5 stars

Variously disenchanted with this company - see previous report - to give then their due they responded to.my vigorous complaint within 24 hours abd, further, on cancelling the policy instigated à fu... See more

Company replied

Rated 4 out of 5 stars

Easy to use site , competitive price . Emailed my insurance details promptly. Next day remembered a minor health issue I had not mentioned . Getting through to operator ‘fraught ‘ Finally told... See more

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

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... See more

Company replied

Rated 5 out of 5 stars

We used this Company last year and we had a good quote and excellent communication in setting it up. So this gave us the confidence to go with them again this year. They haven't disappointed. It was e... See more

Rated 5 out of 5 stars

Quick and easy process to obtain travel insurance. Don't be afraid to be honest about any previous or current medical issues as there will be a policy there for you at the best rate that can be found.... See more

Rated 4 out of 5 stars

Fairly straightforward questionnaire with one or two slightly confusing questions (at first glance). On the face of it, great value. I'm not sure how straightforward a claim would be given the price d... See more

Rated 5 out of 5 stars

So pleased with Paying Too Much. Cannot recommend them highly enough... Best prices and all health conditions covered, after years of paying way over the odds for just the basic of travel insurance an... See more

Rated 5 out of 5 stars

I struggled to find insurance for my 87-year-old Mum whilst travelling to Spain. I found Paying Too Much through the Martin Lewis Money Expert page, and they have been superb! I have used them for tw... See more

Rated 5 out of 5 stars

I have been diagnosed with NHL from an MRI scan, following a car accident, an incidental find, but are symptom free, fit and healthy. Normal blood tests for 6 years. StaySure wanted 3 times the premiu... See more

Rated 5 out of 5 stars

By far the most affordable and fair travel insurance site for people with health issues. Being disabled does not have to mean being disadvantaged in travelling costs. I have found other sites where he... 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

Not easy to accept that what your trying to do someone else has already done it better! After a significant time spent online looking for an over 80's travel quote for my wife and I eventually rolled... See more

Rated 1 out of 5 stars

I have annual policy for travel insurance with my pre-exsisting medical condition declared. however I suffered with kidney stones whilst abroad which I had never had before and you guessed it right,... See more

Company replied

Rated 5 out of 5 stars

Easy to use website. Caters for just about every Medical condition under the sun. Wide choice of quotes to fit your personal requirements. So much better than some of the other comparison sites I tr... See more

Rated 5 out of 5 stars

Simple, fair price. If you have medical conditions you need to cover don’t waste time on the main stream comparison sites. They mainly deal with companies who want the simple and straightforward custo... See more

Rated 2 out of 5 stars

20th March 2025. Went to renew my travel cover after having an annual policy only to be told that because I was taking a Vitamin D supplement it cannot be renewed. My doctor said that it was not a co... See more

Company replied

Rated 5 out of 5 stars

2nd year with Paytoomuch. Really good website, works well first time, very competitive premiums & takes over 75s. Rep on the phone was outstanding & so helpful. Representative on the phone was excep... See more


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
4-star
3-star
2-star
1-star

At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

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 [email protected] 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

Rated 1 out of 5 stars

Even one star is too much

Even one star is too much. I found dealing with the customer services appalling. It took months before my claims were finally paid. As for answering of emails it leaves a lot to be desired. Emails ignored. When I phoned to see what was happening with my claims they say ‘oh this hasn’t been done, you haven’t sent us this’. Why the hell can’t they tell me this to save me waiting for replies. Never again will I insure with this company. Same goes for their people who help with the claims ‘Ergo’. I was shoved from pillar to post. Giving me two different emails to reply too. I ended up paying for the claim myself because it was taking so long.

21 January 2026
Unprompted review
PayingTooMuch logo

Reply from PayingTooMuch

Dear Julie,

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

I am sorry to hear of your claims experience. Just for clarification PayingTooMuch handle anything regarding the policy, anything related to a claim is handled by Ergo. Our customer services have no access to claims information and therefore this has to be done through the claims team at Ergo. If you are unhappy with the way your claim has been handled then you are able to raise a claim complaint, details how to do this 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 5 out of 5 stars

My elderly mother got travel insurance…

After having a few problems within 24 hours it got resolved, my mum spoke to a lady called Crystal and what a difference, excellent communication skills and showed a lot of empathy, thank you so much Crystal it meant a lot to her

6 January 2026
Unprompted review
PayingTooMuch logo

Reply from PayingTooMuch

Dear Miss Harwood,

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

First and foremost, I’m truly sorry to hear about the passing of your mums partner. On behalf of everyone at PayingTooMuch, please accept our sincere condolences during this difficult time. In order for us to investigate this and provide feedback for the agent concerned I have requested more information via Trustpilot. Once I receive this I can investigate the matter.

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

Kind Regards
Michelle

UPDATE - Thank you for providing the information we needed, this will now be investigated and contact will be made.

Rated 5 out of 5 stars

Excellent Sales associate

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 was First Class throughout. A model salesman! Thank you.

15 January 2026
Unprompted review
Rated 1 out of 5 stars

surprise surprise...

I have annual policy for travel insurance with my pre-exsisting medical condition declared. however I suffered with kidney stones whilst abroad which I had never had before and you guessed it right, I'm still waiting for a payment back !
my holiday was the end of August 25, they acknowledged and escalated back at the beginning of December. I am still waiting 4th week of January so I would suggest using another insurance company. the quote may look appealing but once you require claiming you will get told different excuses. of course you will it is insurance after all

23 January 2026
Unprompted review
PayingTooMuch logo

Reply from PayingTooMuch

Dear Kate,

Thank you for your feedback. We are sorry to hear about your recent experience when making a claim.

There has been a recent surge in claims across the industry which has unfortunately caused delays, I want to assure you our claims teams are doing everything they can to assist customers as soon as possible. If you remain unhappy with the way your claim is being handled then you can raise a claim complaint, details of how to do this 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

Awful,awful customer service except for…

Awful,awful customer service except for complaints manager who gets 5stars
After your response …..
Michelle if you are the Office Manager I spoke to you for nearly an hour to find whether Costa Rica was considered to be Caribbean which you would NOT answer
For a further 2 weeks I sent emails to various of your colleagues but received NO confirmation as to whether the country was Caribbean or not in fact they did not seem to know where the country actually was so I sent a copy of an atlas map ..still no sensible answer
I wrote to a director of Staysure who own your company..no response to my letter
Finally I emailed your Complaints Manager and received a positive response (thank you )
Pity I binned all replies I received from your company to add to the above as all most unprofessional
I would dread to put a claim in for anything from Payingtoomuch

1 August 2025
PayingTooMuch logo

Reply from PayingTooMuch

Dear John,

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

I am sorry to hear that your contact with customer service was not up to our usual high standards. I am sorry that you had cause to complain, I can see that my colleague in complaints was able to answer your question and resolve the complaint. As my colleague also stated this has been raised internally.

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

Kind Regards
Michelle

Rated 1 out of 5 stars

Absolutely useless

Absolutely useless
Having spent a part of my remaining life filling in all the questions from a site that promised cover for medical conditions, to be then given the reply that there were no suppliers who could cover me - that is why I gave the review that I did.
Regards
Keith Mitchell

21 January 2026
Unprompted review
PayingTooMuch logo

Reply from PayingTooMuch

Dear Keith,

Thank you for your review and updating us with your information, I am sorry that you are unhappy with us.

Paying Too Much is a price comparison site that will search through providers to find the best policy for you. Unfortunately based on the information that was provided we were unable to offer cover on this occasion.

We are sorry that we are unable to accommodate your insurance needs at this time.

Kind regards

Yvonne

Rated 2 out of 5 stars

I have asked on 4 occassions for my…

I have asked on 4 occassions for my policy documents to be posted to me as I go on holiday in one week and have still not received them despite being assured that they would be posted immediately - still no sign of them

23 September 2025
PayingTooMuch logo

Reply from PayingTooMuch

Dear Mr Wilson,

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 policy documents despite you asking for them 4 times. I have now arranged for them to be posted out to you via first class post, you will receive them in the next couple of days.

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

Kind Regards
Michelle

Rated 1 out of 5 stars

So far my small claim taken 10 weeks

I put in a small claim several weeks ago and dispite being told would take 2 weeks nothing for 8 weeks l called again 2 weeks ago and was told it had been given priority and again nothing, annoyingly it was only for a deposit refund as had to cancel for medical reasons l paid £86 for the cover my claim totalled less than £300 less £100 excess meaning a cost to this company of around £110!
I am still waiting this really unacceptable so glad it wasn't the full amount of my holiday.

21 September 2025
Unprompted review
PayingTooMuch logo

Reply from PayingTooMuch

Dear David,

Thank you for your feedback. We are sorry to hear about your recent experience when making a claim.

There has been a recent surge in claims across the industry which has unfortunately caused delays, I want to assure you our teams are doing everything they can to assist customers as soon as possible. We are aware our customers are experiencing delays and are working with our underwriter and claims teams to urgently improve on this.

If you wish to raise this with the claims team then you can raise a claim complaint. It will be handled by the claims relations team via the underwriter and they will complete a full investigation. This information can also be found in your Policy Wording.

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

Kind Regards
Michelle

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look