Regency for Expats Reviews

Name: Regency for Expats
Rating: 3.92

3.9 Rating 717 Reviews

73 %

of reviewers recommend Regency for Expats

Company Reviews

Metrics

Info

3.9

Based on 717 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

Filter: Rated 1 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 1 month 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.”

Helpful Report

Posted 1 month 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.”

Helpful Report

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 2 months 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.”

Helpful Report

Posted 2 months 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.”

Helpful Report

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.”

Helpful Report

Posted 5 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.”

Helpful Report

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 6 months ago

“This company insurance can not be use and defraud.”

Helpful Report

Posted 6 months ago

“"I was deceived by a fraudulent investment platform that promised guaranteed returns. After investing my entire life savings, I was left with nothing. The platform appeared legitimate initially, but it was a cleverly crafted scam. I strongly advise others to exercise caution and avoid risking their hard-earned money. Fortunately, I found solace in Mrs. Doris Ashley's expertise. I reported the scam to her, and she facilitated the recovery of my losses in a remarkably short period – just four days. If you've fallen victim to a similar scam, consider reaching out to Mrs. Doris Ashley: Email: Dorisashley71 @ gmail. com WhatsApp at +1. -(404)- 721. -56. -08”

Helpful Report

Posted 6 months ago

“They consistently refuse to pay claims, instead offering empty promises of 'processing.' I've waited five months for my claim, and it's still 'in process.' Avoid this company at all costs. If you're a current policyholder, please consider switching insurers next year. They will abandon you when you need them most.”

Helpful Report

Posted 7 months ago

“หลอกลวง อย่าไปเชื่อมัน พวกนี้แก้งต้มตุ๋น Thai lanquage”

Helpful Report

Posted 9 months ago

“I unfortunately had an injury to my back the week my healthcare was approved. Their assessment was it was pre existing as i had prior to that had another issue, which i personally took care of with doctors. They relate the previous problem and say it was pre existing, in a totally different part of my torso?”

Helpful Report

Posted 9 months ago

“I would sincerely warn against you purchasing a policy from this company. They have repeatedly asked us to send them the same information time and time again. Sadly we held insurance with them for eight years and when I was diagnosed with stage two breast cancer, they then requested a full life health history in case I was claiming for a pre-existing condition??? Long story short, my husband paid for my operation because “Regency” are still investigating the claim. Absolutely disgusting. We are just lucky my husband could pay for my mastectomy and lymph nodes removal. Beware of this company.”

Helpful Report

Posted 10 months ago

“Have used different insurance companies over last 20 years, but haven’t come across as malicious as Regency. When an urgent medical care/surgery is required, they will play clients like a ping pong ball. Multiple different people will come back asking for information which does not exist. When proposed to ask for some specific information/report so that I can get it done. They do not respond to that, and another new person appears asking for “all information”, when everything available has been shared 3 times. Regency claims team will put you in endless loop and you will be cursing yourself on why did you choose Regency. Buy Regency at your own risk, and be assured they are not going to give you the coverage when the time comes.”

Helpful Report

Posted 10 months ago

“Regency for expats has a tricky policy: if you have not extended the insurance, they will defer or even not pay you for the claims that you have filed. Huge bureaucracy and constant change of managers that give you excuses. We have written 5 letters with a lot of explanations on our claim-all answers were with delay and excuses. Really bad aftertaste. I would not recommend this service and suggest all my employees and friends to be careful with this company or choose another, honest provider of insurance services.”

Helpful Report

Posted 1 year ago

“Denied a claim for my wife's pancreatic stone. This company is a total scam. Stay away. No hospitals in Thailand take this insurance.”

Helpful Report

Posted 1 year ago

“Can’t use”

Helpful Report

Posted 1 year ago

“2024 Dont use this insurance company for god sake!! I was a member for 4 years and never claimed anything! i never been sick and im a healthy 47 years old man. I got chest pain and blood pressure for a week and went to hospital and paid everything self without claiming anything. After a week i fainted and was driven to emergency and doctors hold me in icu for 24 hours because my blood pressure was 220/114/ 87. They couldnt get the pressure down first and i had this high blood pressures attacks for a week. it costed 3000$. i got a lot of medication and i have a issue for life. In that time they asking me questions and just not being supported at all. They asking me for medical paperwork from my whole life.I told them i havent been in a hospital or hadf any problems for 20 years!. i gave them my hospital that i was in last time when i was sick. That was in Sweden and i gave them dates etc. The hospital hadnt any saved paperwork left so Regency didnt pay me. Im a nomad im working in many different countries so i need a health insurence that i can trust and feel safe with. Please dont use this very bad scam comnpany that preys on people. They dont even have a office somewhere that you can meet them!! For me no issue i have enough funds to take care of my self. I spent 28000$ the last 3 months to fix my issues. But for a person without funds this will be devastating and i dont want anyone to feel that stress when they are in a bad place in life laying in ICU with cables and heart machines connected to themself. Think really before you use Regency! This is my first review in my life, im not that person who write reviews normally. This is a baaaaaaaaaaaaad compay that never give you a yes or no. Its 3 months now and i havent get a yes or no. Be safe and dont use this ciao!”

Helpful Report

Posted 1 year ago

Regency for Expats is rated 3.9 based on 717 reviews