The Exeter Reviews 1,265

TrustScore 4 out of 5

4.1

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Review summary

Based on reviews, created with AI

Reviewers had a great experience with this company. Customers appreciate the staff, who are described as caring, kind, polite, and informative. People highlight the compassion and empathy shown, especially when dealing with serious illnesses like cancer. The speed of service and helpful communications also stand out positively for consumers. However, some consumers report issues with the service, particularly regarding claim handling and response times. Some reviewers describe delays and difficulties in getting claims accepted, with some feeling the company tries to avoid paying out. A few reviewers mention poor customer service from certain agents and express frustration with the time it takes to get through to someone.

Based on these reviews

Rated 4 out of 5 stars

Simple to navigate the site. Good choice of hospitals near to where I live. Online face to face appointment with doctor, who then sanction my consultation. The appointment took approximately 1 week,... See more

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Rated 4 out of 5 stars

The experience was fine apart from waiting more than the stated 5 days for an answer to my initial contact to making a ckaim. I had to ring to chase and when I spoke about how long it took it was just... See more

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Rated 4 out of 5 stars

My claim was settled quickly and smoothly without question although I did receive an email intended for someone else and I was asked to supply the same information more than once. The experience wit... See more

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Rated 4 out of 5 stars

Rather vague initial contact with Exeter. Asked for letter from GP but later told everything was in order. But later asked for GP letter again. GP unclear what was needed. How about a standard for... See more

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Rated 5 out of 5 stars

I only took out private insurance in May. My right knee suddenly gave way in June. I was dreading a tussle. It never happened. I was given a procedure code immediately. My knee replacement happened on... See more

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Rated 5 out of 5 stars

I needed a small procedure which the NHS wouldn`t do. Booked instead with Exeter Medical. The lead time was very quick and all communications were very helpful. The procedure was performed on time... See more

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Rated 3 out of 5 stars

The time wasted to be put through to someone is becoming unacceptable. Being told ‘we are very busy’ doesn’t ring true. They have clearly cut their staff so be honest about it. Their response doe... See more

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Rated 5 out of 5 stars

the company is easy to contact, with staff who are helpful and polite. They keep me informed, promptly, by email and letter. I have a fairly complicated policy and the company's communications are cl... See more

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Rated 5 out of 5 stars

My husband and I have been with the Exeter for many years and have always had excellent service. Since my husbands death I have needed more help and advice. That is always given with care and kindnes... See more

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Rated 5 out of 5 stars

Unbelievable care and service at a time that we needed it most. We did not have to deal with anything other than concentrating on getting the best medical advice and care. Exeter ensured this was pos... See more

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Rated 5 out of 5 stars

Polite, informative, fast service from advisors. Prompt payments to consultants and hospitals. Unfortunately I’ve had a run of health issues over the last few years but I’ve always been helped by hav... See more

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Rated 5 out of 5 stars

I was diagnosed with Prostate Cancer and The Exeter were there all the way with a dedicated cancer nurse who handled all claims and easily. I had robotic operation to remove the Prostate and again a... See more

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Rated 1 out of 5 stars

Awful experience with this Company. Was recommended to switch to them in December by my broker from Aviva. They failed to set up a DD to collect premiums, then wrote to me in February to say as two mo... See more

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Rated 3 out of 5 stars

My wife was given the go ahead to discuss a new hip with claim code number. She does not remember being told to phone again after consultation - Exeter did not email any confirmation/instructions OR... See more

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Rated 5 out of 5 stars

Once the claim had been accepted, the whole system ran extremely smoothly. I would have preferred to have paid the policy excess in one go.. thus avoiding the need to small amounts of several accounts... See more

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Rated 5 out of 5 stars

For the last seven months I have been receiving out-patient treatment for a serious illness at the Great Western Hospital, Swindon. In addition to staff at the hospital, the treatment and support I ha... See more

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Rated 1 out of 5 stars

DEVASTATED Ple rase see the response sad for a Friendly Society which has destroyed our declining years (and that is afact unless we win a Premium bond.)n BE WARNED Original post Sadly a... See more

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Rated 5 out of 5 stars

Since I changed my private health cover to The Exeter, I have found them very helpful and reassuring in dealing with my needs. Very clear and straightforward throughout my treatment

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Rated 1 out of 5 stars

7 months down the line and so many hoops to jump through! Wouldn’t accept a consultants letter as referral for procedure and getting a GP to do anything has been more difficult than necessary! Had... See more

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Rated 1 out of 5 stars

An absolute scam. We gave them the referral with FULL medical history and they've asked us to ping pong between the GP and them to fill out medical review forms. The NHS takes a MONTH to fill out... See more

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Rated 2 out of 5 stars

I will shortly be moving my insurance as the service (apart from one call handler) is shocking. Unnecessary delays, questioning on why i used their own gp service rather than nhs, being told we are lu... See more

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Rated 1 out of 5 stars

Awful experience with the income protection team, I got through to a ‘senior assessor’ who sounded like they hadn’t been there long and by their tone of voice, they weren’t happy to be there either! S... See more

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Rated 2 out of 5 stars

Customer service from some agents terrible , hard to understand Also issues with paying out ,when consultants offer to do there and then tests . Proceeeded to get quick result and then Exeter would... See more

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Rated 1 out of 5 stars

Out first effort to make a claim was met with appalling customer service that seemed right from the get go to seek to avoid paying Have never had this experience with suppliers I have used... See more

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Rated 1 out of 5 stars

Impossible to contact them at weekends, Did not let me login (Said invalid) so went through and changed my password as instructed 4 times before I gave up. What really is the point when you need medi... See more

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Rated 1 out of 5 stars

Not Happy With Service at All. I have been with Exeter 6 Years now and this is my first Claim been awful experience so far and I cant tell you how stressful its all been. Not what you need when you a... See more

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Rated 1 out of 5 stars

Very poor. At a time of sickness when you need your health insurance company to provide quick answers and support - the Exeter fails miserably. Agrees to cover a new medical condition but then dallies... See more

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Rated 2 out of 5 stars

Had to wait 3 days to get approval for a consultation for Orthopedic and even after that there was no approval in sight. Had no such poor response from previous insurers. We are looking for another i... See more

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Rated 2 out of 5 stars

I wanted to take the time to really understand my policy. I should definitely done this at the point of renewal, but like a lot of people I am sure, I was bamboozled at the last minute by the broker,... See more

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Rated 1 out of 5 stars

Exeter have stopped providing health insurance ( giving us all one years notice & reduced charges) for all their overseas clients. Most of whom have been with Exeter for 30+ years and being upper aged... See more

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Rated 1 out of 5 stars

I’ve had a letter today from the Exeter thanking me for cancelling my policy, they cancelled my policy and refused to pay what I was entitled to. I’ve sent them three emails without a single reply, th... See more

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Rated 1 out of 5 stars

I have been with The Exeter for over 2 years now and in that time they have been of absolutely no help at all. Their Healthwise app has failed to answer questions on the two times I've contacted them... See more

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Rated 1 out of 5 stars

What a miserable experience. Although I had injured my knee in 2016 but after it healed and I subsequently regularly hiked, even climbed Mt Snowdon in 2022 they declined my claim due to an adminis... See more

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Rated 1 out of 5 stars

The sign up process severely lacking in clear and concise explanations. Opting out of outpatients and physiotherapy is huge and should not be just a glossed over side comment, but given focus on thos... See more

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Rated 1 out of 5 stars

Literally every time I have ever gone to claim on the Exeter they have made it an absolutely miserable and difficult experience. It doesn’t matter what ir is for or how much it is for - they are guara... See more

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Rated 1 out of 5 stars

I've been with the Exeter for over a year and not had to claim until recently. Straight off the bat, they're trying to dodge my claim. They don't return calls if you leave a voicemail. Be w... See more

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Rated 1 out of 5 stars

Failing at every level. Allowing agents to mis-sell products and then failing on basic customer service levels missing SLA response timelines that they set. If you have urgent medical care needed this... See more

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Rated 1 out of 5 stars

Put a claim in 12 days ago with my doctors referral letter. The claims team told me we aim to contact you within 5 working days. We'll that 5 days has turned into 9 days and not a phone call, message... See more

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Rated 1 out of 5 stars

My last experience was a nightmare. Highly unsatisfactory. Initially I had difficulties with the NHS and Exeter referred me to a helpline which was frankly useless and unapologetic over its failure to... See more

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Rated 1 out of 5 stars

Very disappointed with Exeter. I have had a policy with Exeter for over two years. I called them today as my GP wants to refer me to a consultant for knee pain. Exeter refused to accept the claim a... See more

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Rated 1 out of 5 stars

I had mild pain several months before joining Exeter. Saw the doctor after I had joined up. He had no idea what was wrong and over months I went for several tests and scans. It was discovered two week... See more

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Rated 1 out of 5 stars

I have a health plan with The Exeter, but so far, they have been next to useless. The care I’ve received through the NHS has far outpaced anything from them. Since my diagnosis of throat cancer, I’v... See more

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Rated 3 out of 5 stars

A 17% increase in my annual premium when inflation is running at 3.8% is just ridiculous. I have had health insurance with The Exeter for five years, never claimed a penny but was happy to have the co... See more

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Rated 5 out of 5 stars

I’ve been with Exeter a little over 5 years now and had to make 2 claims in this period. My assigned agent has been brilliant, excellent customer service and very understanding with my out of work sit... See more

Company replied


Company details

  1. #112 of 126 best companies in Insurance company

Written by the company

Welcome to The Exeter. We're an award-winning healthcare and protection insurance provider with over 100 years of experience supporting our members when they need us most. Your feedback allows us to evaluate our performance and provide you with the best possible products and services.

Free access to HealthWise, our member benefits app.

As a member of The Exeter, you and your family have access to HealthWise, helping to keep you healthy and happy every day.

Contact info

4.1

Great

TrustScore 4 out of 5

1K reviews

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Replied to 100% of negative reviews

Typically replies within 48 hours

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Rated 1 out of 5 stars

TRUST Abandoned …

The Trust pilot summary fails to mention the disturbing proposed TERMINATION of a tranche of policies with little regard for the consequences.
WE had thought that a Friendly Society could be trusted but No the Exeter has ruined our declining years.
Your reply only emphasises the Breach of trust. How many Members of the Society are affected and are amy going to have treatment terminated? This is a warning to all.

10 February 2026
Unprompted review
The Exeter logo

Reply from The Exeter

Good morning, Mr Felton,
Thank you for taking the time to leave us a review.
I am very sorry to hear that you are feeling unhappy about the closure of some of our policies and feel that this is affecting your later years in life.
We appreciate your feedback, and apologise for any continued distress you are feeling as a result of the policy closure.
Kind regards, Ruby - Member Servicing Specialist.

Rated 1 out of 5 stars

Awful experience with this Company

Awful experience with this Company. Was recommended to switch to them in December by my broker from Aviva. They failed to set up a DD to collect premiums, then wrote to me in February to say as two months premium have not been paid I am no longer covered. They said they don’t send out emails when premiums go unpaid. Appalling admin in this day and age.

9 February 2026
Unprompted review
The Exeter logo

Reply from The Exeter

Hi Ray, I am sorry to hear of your experience. We are in the process of updating our systems. If you would like to contact us on 0300 123 3201, option 2 or email us at [email protected] we will be happy to look into the matter further. Our hours are Monday to Friday, 8am to 6pm. Many thanks Denise, Member Servicing Specialist.

Rated 1 out of 5 stars

Not Happy With Service at All

Not Happy With Service at All. I have been with Exeter 6 Years now and this is my first Claim been awful experience so far and I cant tell you how stressful its all been. Not what you need when you are in pain and having to have an operation . I was recommended to use this company I wish I have never switched. I am so upset and stressed by it all. You need reassurance and kindness when you are ill this is what we pay these high premiums for. No one seems to care only the odd few.

30 January 2026
Unprompted review
The Exeter logo

Reply from The Exeter

Good afternoon, Karen,
Thank you very much for taking the time to leave us a review. I am genuinely sorry to hear that you have been dissatisfied with your experience while making your first claim and appreciate you bringing this to our attention.
We always try to process claims as quickly as possible for our members and remain compassionate throughout the claim cycle, so I am very sorry that you feel this does not reflect your experience while claiming.
If you would like to raise a formal complaint so that we can look into this further, please contact our Claims team using the information below.
Private Medical Claims:
0300 123 3253 - Mon-Fri 8am to 8pm, Sat 8am - 1pm.
Alternatively, you may email them at [email protected].
Income Protection Claims:
0300 123 3201, Option 1 for claims. They are available Mon- Fri 9am-5pm.
Alternatively you can email them via [email protected].
Kind regards, Ruby - Member Servicing Specialist.

Rated 5 out of 5 stars

helpful and efficient staff, clear comunication

the company is easy to contact, with staff who are helpful and polite. They keep me informed, promptly, by email and letter. I have a fairly complicated policy and the company's communications are clear and easy to understand.

27 January 2026
The Exeter logo

Reply from The Exeter

Hi Frances, thank you for taking the time to leave a review, as a mutual society we really appreciate the opinions of all our members. I am really glad to hear that my colleagues have been helpful and polite and that as a company our communications are clear and easy to understand. Many thanks Jessica, Member Servicing Specialist.

Rated 5 out of 5 stars

Since I changed my private health cover…

Since I changed my private health cover to The Exeter, I have found them very helpful and reassuring in dealing with my needs. Very clear and straightforward throughout my treatment

20 November 2025
The Exeter logo

Reply from The Exeter

Hi Jackson thank you for leaving a 5 star review. I'm glad you found us to be helpful and that we reassured you whilst you had your treatment. Many thanks Denise, Member Servicing Specialist.

Rated 5 out of 5 stars

Kindness

Very professional and kind response to questions and answers

16 January 2026
The Exeter logo

Reply from The Exeter

Hi Mr Alder, thank you so much for taking the time to leave a review. I am delighted that my colleagues have provided you with professional and kind responses to your questions. Many thanks Jessica, Member Servicing Specialist.

Rated 5 out of 5 stars

Been insured for many years with Exeter…

Been insured for many years with Exeter and they have covered many scans consultants procedures without any issues and quick to respond and reimburse hospitals consultants etc.
Reassured if I have any health issues or accidents I will be covered through the Exeter to get this corrected quickly via private healthcare

12 January 2026
The Exeter logo

Reply from The Exeter

Good morning Sherrill,
Thank you for taking a moment to leave us a review. I am delighted to hear that after being insured with us for many years you are happy with the coverage you have received and that your cover has provided reassurance when it matters most.
Kind regards, Ruby - Member Servicing Specialist.

Rated 5 out of 5 stars

well mannered reps.did not rush queries

see title--explains all

29 December 2025
The Exeter logo

Reply from The Exeter

Hi Maureen, thank you for sharing your experience. I'm happy to hear you found us to be well mannered and that we did not rush through your queries. Many thanks Denise, Member Servicing Specialist

Rated 1 out of 5 stars

Not happy with service

Not happy with service. When i signed up i was told something else. Not happy at all

15 December 2025
The Exeter logo

Reply from The Exeter

Hi Mexus Motors, I am sorry to hear that you are not happy with the service. If you would like to raise a complaint so this can be investigated further, please contact our Member Servicing Team with your policy information on 0300 123 3201. Our opening hours are Monday to Friday 8am to 5pm. Alternatively you can email us at [email protected]. Many thanks Jessica, Member Servicing Specialist.

Rated 5 out of 5 stars

Easy to contact and provided clear…

Easy to contact and provided clear information and quick approval for treament

12 January 2026
The Exeter logo

Reply from The Exeter

Good morning,
Thank you for taking the time to leave us a review. I am very pleased to hear that you have found the information provided to be clear when you have contacted us and that approvals have been prompt.
Kind regards, Ruby - Member Servicing Specialist.

Rated 5 out of 5 stars

The person I spoke was very helpful.

The person I spoke was very helpful.
Went out of his way to look after me.

4 December 2025
The Exeter logo

Reply from The Exeter

Hi Melanie, I'm so glad that my colleague was very helpful and went out of their way to look after you. Thank you for taking the time to leave a review. Many thanks Jessica, Member Servicing Specialist.

Rated 4 out of 5 stars

human contact on phone

2 December 2025
The Exeter logo

Reply from The Exeter

Hi Anthony, thank you for your review. I'm glad to hear that you appreciate the human contact on the phone. Many thanks Denise, member Servicing Specialist.

Rated 5 out of 5 stars

Help as much as they can

The people you talk to are polite and helpful. The company itself made an effort and contributed to a claim that theyt did not, in law, have to pay.

15 January 2026
The Exeter logo

Reply from The Exeter

Good afternoon, Mercury,
Thank you for taking a moment to leave us a review. I am very happy to hear that you found our staff polite and helpful and that you were pleased with your claim experience.
Kind regards, Ruby - Member Servicing Specialist.

Rated 5 out of 5 stars

Attentive and good personal service…

Attentive and good personal service from knowledgeable people.

22 January 2026
The Exeter logo

Reply from The Exeter

Hi Clive, we really appreciate you taking the time to leave us a review. I am so glad that we have provided you with good personal service and you found our staff to be knowledgeable. Many thanks Jessica, Member Servicing Specialist.

Rated 5 out of 5 stars

All communications have been clear

All communications have been clear, prompt, informative and accurate

21 November 2025
The Exeter logo

Reply from The Exeter

Hi Simon, thank you for taking the time to leave a review. I'm happy you found we were clear, prompt, informative and accurate in our communications with you. Many thanks Denise, Member Servicing Specialist

Rated 5 out of 5 stars

Great service attention to detail was…

Great service attention to detail was brilliant I highly recommend this company was better than I hoped for excellent is my opinion

26 November 2025
The Exeter logo

Reply from The Exeter

Good afternoon, Andrew,
Thank you for taking a moment to leave us a review. I am delighted to hear you are pleased with the service you received and that you would recommend us going forwards to others.
Kind regards, Ruby - Member Servicing Specialist

Rated 5 out of 5 stars

Excellent

Excellent. Really helpful staff speedy and knowledgeable. Well done

6 January 2026
The Exeter logo

Reply from The Exeter

Hi Gillian, thank you so much for taking the time to leave a review, I am delighted that you found our staff to be helpful, speedy and knowledgeable. Many thanks Jessica, Member Servicing Specialist

Rated 5 out of 5 stars

10/10

10/10. Thank you

22 January 2026
The Exeter logo

Reply from The Exeter

Hi Edmund, thank you for leaving us a 5 star review. I'm glad you found our service to be 10 out of 10. Many thanks Denise, Member Servicing Specialist.

Rated 2 out of 5 stars

Had to wait 3 days to get approval for…

Had to wait 3 days to get approval for a consultation for Orthopedic and even after that there was no approval in sight. Had no such poor response from previous insurers. We are looking for another insurer at present.

17 December 2025
The Exeter logo

Reply from The Exeter

Good afternoon, Jay,
Thank you very much for taking the time to leave us a review. I am genuinely sorry to hear that you have been dissatisfied with your experience when awaiting approval and appreciate you bringing this to our attention.
We always try to process referrals as quickly and efficiently as possible; however, during particularly busy periods, there can unfortunately be delays. I apologise for any inconvenience this may have caused.
If you would like to raise a formal complaint so that we can look into this further, please contact our PMI Claims team on 0300 123 3253. They are available Monday to Friday from 8:00 am to 8:00 pm, and on Saturdays from 8:00 am to 1:00 pm. Alternatively, you may email them at [email protected].
Kind regards, Ruby - Member Servicing Specialist.

Rated 1 out of 5 stars

Not User Friendly!

7 months down the line and so many hoops to jump through! Wouldn’t accept a consultants letter as referral for procedure and getting a GP to do anything has been more difficult than necessary! Had been with AXA who did all the leg work for their money. I wonder what I’m paying my premium for with The Exeter! Definitely finding an easier to use insurer after I have the procedure!!! Sometime in the next year hopefully as symptoms worsened dramatically in 7 months!!
Only plus for the one star was talking to their online GP promptly and easily.

19 January 2026
Unprompted review
The Exeter logo

Reply from The Exeter

Good afternoon,
Thank you for taking the time to leave us a review. I am very sorry to hear that you are unhappy with your experience when making a claim. We would like the opportunity to investigate this matter further and possibly open a complaint on your behalf.
You can contact our Claims Teams using the information below:
Income Protection claims: 0300 123 3201 & Option 1 or [email protected]
This team are available 9am-5pm Mon-Fri.
Private Medical claims: 0300 123 3253 or [email protected]. This team are open 8am-8pm Mon-Fri and 8am-1pm on Saturdays.
Kind regards, Ruby - Member Servicing Specialist.

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