Regency for Expats Reviews

Name: Regency for Expats
Rating: 3.91

3.9 Rating 714 Reviews

73 %

of reviewers recommend Regency for Expats

Company Reviews

Metrics

Info

3.9

Based on 714 reviews

Shipping & Delivery
Delivery Methods	Courier
Average Delivery Time	Next Day
On-time Delivery	Greater than 94%
Accurate And Undamaged Orders	100%
Customer Service
Communication Channels	Email, Telephone, Live Chat
Queries Resolved In	Under An Hour
Customer Service	4.3 out of 5
Returns & Refunds
Refunds Process	Very Easy

Visit Website

Phone:

+44 20 3129 1544

Email:

info@regencyforexpats.com

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Anonymous

Anonymous // 01/01/2019

Sort by: Most Recent Most Recent Highest Rated Filter: None None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“Avoid Regency for Expats at all costs! I paid for their insurance in full, expecting real protection in case of accident. Instead, when I was hospitalised twice with serious injuries, Regency ignored my emails, gave me endless excuses under fake “panel” names, and refused to pay a single baht. • My policy invoice clearly states the start date: 03 July 2025. Regency still tried to twist dates and delay. • They advertise direct payment to hospitals, yet I had to chase the hospital myself while Regency did absolutely nothing. • They hide behind names like “Jenny Martin” and “Maria Cassidy” but never provide real contacts or help. I am still waiting for a vital inpatient treatment. Regency for Expats are doing the opposite of helping — at this rate, with their “assistance,” I could be dead before I ever receive the care I urgently need. This company has shown zero professionalism, zero support, and zero respect for their clients. I am preparing legal action, and I will make sure this behaviour is exposed publicly and in court. ⚠️ If you value your health and money, stay away from Regency for Expats.”

Helpful Report

Posted 6 days ago

“I strongly advise anyone considering Regency Medical Insurance to stay away. In my experience, they cheat customers into buying policies and then look for any excuse to reject claims — even when you have followed all the rules. My claim was refused based on “pre-existing condition” even though there was no evidence of this before the policy started. After appealing, a so-called “review panel” confirmed the refusal with the same excuse. Many of my colleagues had the exact same experience — claims always rejected for one reason or another. After this, our company decided not to renew our policy with Regency. If you search online, you’ll find many other people reporting the same problem and warning that Regency will not support you when you really need help. Insurance should give peace of mind. Regency only gives you frustration, wasted money, and a fight when you are already unwell. If you are looking for real protection and honest service, avoid Regency at all costs.”

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Posted 2 weeks ago

“C O V S E C L T D• C O I got all my funds back in a week.”

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Posted 3 weeks ago

“I took out a policy with Regency expecting security and peace of mind. Instead, I’ve been met with nothing but frustration, contradictions, and evasions. My recent claim — a cardiology consultation for suspected hypertension — was denied as a so-called “chronic condition.” This is outrageous. The very same issue had already been reimbursed before, including ER treatment and lab tests from the exact same episode. First it was called “pre-existing,” now it’s magically reclassified as “chronic.” The shifting excuses are not only inconsistent — they look like a calculated tactic to avoid paying legitimate claims. The handling process is just as bad. Each claim drags on for weeks while I’m bounced from one assessor to another. Every escalation is a dead end. Responses are nothing but copy-and-paste policy blurbs, ignoring both medical facts and the contradictions in Regency’s own decisions. Even after dragging in senior management, my case sits unresolved in bureaucratic limbo. At sign-up, no one told me that a basic diagnostic consultation after an emergency could be excluded. My doctors never classified my hypertension as chronic — it was under investigation. Regency’s attempt to redefine it after the fact is dishonest and indefensible. This is not an insurer you can rely on when it matters most. Endless delays. Shifting definitions. Contradictory excuses. A refusal to take accountability at every step. I am now actively cancelling my contract because it is crystal clear that Regency cannot be trusted with either my health or my money. If you value fairness, consistency, and timely support, avoid Regency at all costs.”

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Posted 3 weeks ago

“Excellent health cover and service. Best experience i've ever had with an insurance company. Friendly, professional and respind extremely quickly.”

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Posted 1 month ago

“In US or Europe it is unlawful to exclude pre existing conditions of which you had no knowledge and that is why this insurance is based in St Kitts and Nevis. To avoid reasonable legal oversight. Think about that. Do you really want insurance from a company with ethics like this? I feel very sorry for anyone who thinks they have the protection of insurance when in fact when the time of need comes, when they are least able to argue their case, we are told we are not covered, absolutely disgusting.”

Helpful Report

Posted 1 month ago

“I am trying to help my close friend who has been left high and dry by this cynical company. The policy excludes any pre existing conditions regardless of whether you knew about them or not or whether there were any symptoms. Think about that. My friend is a healthy clean living guy who woke up one day with a pain in his stomach which turned out to be a tumour. He had no inkling previously. Regency refused to pay a penny or even refund his premium. Now he has to sell his house to pay for a life time of treatment. In US or Europe it is unlawful to exclude pre existing conditions of which you had no knowledge and that is why this insurance is based in St Kitts and Nevis. To avoid reasonable legal oversight. Think about that. Do you really want insurance from a company with ethics like this? I feel very sorry for my friend and others like him who think they have the protection of insurance when in fact when the time of need comes, when they are least able to argue their case, thief willl be terribly let down by this company.”

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Posted 1 month ago

“I was sold, by a broker, a (so I thought) 15 year, $50k life insurance policy, 4 years ago, and now they have CANCELLED me after taking more than $5000 Dollars in premiums.”

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Posted 3 months ago

“I'm pleased to give Regency a 4-star rating based on over 3 years of reliable service. They consistently offer competitive premiums while delivering excellent claims processing - honoring all my claims and settling with medical providers promptly. Their efficient early resolution and payment processes have made my experience smooth and hassle-free. While a 5-star rating is certainly achievable, it would likely require premium increases that aren't justified for my current circumstances. Overall, Regency provides outstanding value and service that meets my needs perfectly." Bill Matthews”

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Posted 3 months ago

“All thanks to your service”

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Posted 3 months ago

“Great cover and super easy to deal with I’ve been living overseas for a few years now and switched to Regency for Expats after a recommendation from a friend and it’s been great. The sign-up process was simple, and they explained everything clearly. I found the pricing to be really fair for what you get, and the coverage is solid, it gives me real peace of mind knowing I’m protected wherever I go. I had to make a claim recently and was expecting it to be a bit of a nightmare (as it often is with insurance), but it wasn’t at all. The process was easy, and they sorted it quickly with no fuss. Would definitely recommend Regency to other expats... it just works, and the support team actually cares.”

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Posted 3 months ago

“What a waste, i had sent my claim but its still in process after 10 days. Only cosmetic reply I get from agent.”

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Posted 4 months ago

“I've been with Regency for Expats for over two years now and couldn’t be happier. The coverage is comprehensive, the customer service is responsive, and claims are handled quickly and efficiently. As an expat, it's reassuring to know I have reliable international protection no matter where I am. Highly recommended for anyone living abroad”

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Posted 4 months ago

“Turning 70 this year. They doubled my premium after 10 years of doing business with them. No loyalty to long term customers with this Company.”

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Posted 4 months ago

“Very good experience with health insurance”

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Posted 4 months ago

“Easy to pay the bill”

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Posted 4 months ago

“I can’t recommend Regency for Expats enough! From the very beginning, the team made everything easy, from choosing the right plan to setting up the policy while I was relocating. Every question I had was answered quickly and clearly, and it really felt like they understood the challenges expats face. Special thanks to Emma from their client services team, who followed up regularly and made me feel supported throughout the entire process. Having good health insurance takes a lot of stress off living abroad, and with Regency, I feel secure and well taken care of.”

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Posted 5 months ago

“A really big thank you to Jenny and her team at Regency who have been absolutely amazing in every contact. I have had Regency health insurance for a few years now and they have always been great.”

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Posted 5 months ago

“I’ve been with Regency for Expats for about a year and a half now, and they’ve been excellent. Signing up was straightforward, and the team answered all my (many) questions without any pressure. What really stood out is how fast and easy it’s been to deal with them when I actually needed to use the insurance. I had to see a specialist earlier this year and everything from approval to reimbursement went smoothly, no crazy forms or long waits. Their customer service is also genuinely helpful, which is rare these days. It just feels like they actually care and aren’t trying to avoid paying out like some insurers. If you're living abroad and want decent coverage without the usual hassle, I’d definitely recommend giving them a look.”

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Posted 5 months ago

“I do not recommend using this insurance for expats at all. Every time you file a claim, they change the person in charge, so you have to explain the whole situation over and over again. They are also very slow in approving inpatient surgeries. Even after paying for the insurance, you constantly have to follow up and remind them to send the letter of guarantee to the hospital. There’s always a delay of 2–3 days in their response, and each time it’s a different officer handling your case. It’s definitely not hassle-free.”

Helpful Report

Posted 5 months ago

Regency for Expats is rated 3.9 based on 714 reviews