Regency for Expats Reviews

Name: Regency for Expats
Rating: 3.91

3.9 Rating 730 Reviews

73 %

of reviewers recommend Regency for Expats

Company Reviews

Questions

Metrics

3.9

Based on 730 reviews

Shipping & Delivery
Delivery Methods	Courier
Average Delivery Time	Next Day
On-time Delivery	Greater than 93%
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

Location:

Nevis

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Anonymous

Anonymous // 01/01/2019

Filter: Rated 1 None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“I strongly suspect this 'company' is nothing but a bank account and an email service. My wife was knocked down by a motor vehicle and required surgery. Contacted the claims service, was issued a claims number and that's about all they have done in 7 months. Randomly people contacted us in the initial month to tell us all about how we 100% had hospital coverage, how without a doubt we would be reimbursed for the medical expenses. Then all stopped and the tune was changed to its an accident so we don't have to cover it... Here is the question I have for anyone from Regency reading this... all medical treatment required will be a result of an accident... you don't purposely get ill, you don't purposely suffer an injury! If anyone from regency would like to contact me to discuss why they have failed to meet the terms of the policy I would be only to happy to discuss it, but as they won't my advice to anyone traveling to Europe for more than a holiday... do NOT use regency as your visa required health insurance, they will issue the certificate for your visa application, take your money, and that is the last thing they will ever do for you.”

Helpful Report

Posted 4 years ago

“Avoid at all costs. They will take your money for coverage and then deny recommended medical treatment but will also make you wait weeks in poor health before they deny assistance. DO NOT WASTE YOUR MONEY WITH REGENCY FOR EXPATS”

Helpful Report

Posted 4 years ago

“Read the one star reviews! This company is based in Nevis, a small volcanic island in the Caribbean. If that isn't a red flag, I don't know what is. You will never see a human being from this company face to face. There is no office you can go to, hardly an address to be found. Your only way of communicating is through their main email address. If you have a claim, you will not be assigned a person to communicate with, only a generic email with no individual person to message back and forth. They approved small claims, doctors visits and what not quickly and efficiently. no issues there, actually great experience. Any sort of large claim they made me jump through endless hoops like getting medical records from completely unrelated things, some from 10+ years prior in another country. Then they delayed as much as possible and suggested if I needed to $50k USD procedure sooner then I should pay for it myself and submit a receipt. They wanted to avoid paying the premium fees as they know we would chose the cheapest option if we had to pay for it out of pocket. As if anyone has that much money laying around. After many months, we showed up at the hospital, only to find out they hadn't approved it. Started the process over again and finally 3 months later was able to get it covered; they approved it while under anesthesia! If only the idiots had waited 1 more day they could have paid half as much for the generic hospital costs instead of single room fees. Anyways, that was bad enough, but now I was stuck with them as I had a pre-existing condition. At that point, they doubled my premiums, the advertised rate is just what you pay if there are less than 125% claims. So factor that in when you make a decision based on this being the cheapest coverage. Now, after I renewed the policy and paid for the entire year in advance to get the discount, then they informed me anything to do with my procedure (with implant) was no longer covered as it was considered a "chronic condition". Yet it would be a pre-existing condition if I went to any other company. So basically I'm screwed for the rest of my life with ongoing pain. Take home point: read the chronic conditions exclusion. Basically, once something a condition is diagnosed, it is not covered beyond the initial bit. the wording makes it such that anything requiring ongoing care is not covered beyond the amount listed. So, they advertise a price which is 50% less than the actual price if you make any claims. Then, they make anything with ongoing treatment not covered. Then, if you have any issues, they just cut off communication and there is nothing you can do about it. Good luck hiring a lawyer in Nevis to hold them accountable. Stay away from this company at all costs.”

Helpful Report

Posted 4 years ago

“Terrible insurance company”

Helpful Report

Posted 4 years ago

“Blew my artery behind my left knee in Jan this year, it took Regency over a week to answer yes or no to claim, doctor stated I have a blood clot behind knee which could move to my heart, this was all explained. Outcome they just wanted old medical report to see if they could find a reason not to pay operation not concerned about health or seriousness of injury, end result told i had high cholesterol prior so would not cover nice insurance company this one, after talking with 3 mates whom were with regency same situation for all 3, please read reviews prior to joining this outfit”

Helpful Report

Posted 4 years ago

“I just called the claims line, the person answered sounded like the had just woken up, and they hang up on me.”

Helpful Report

Posted 4 years ago

“I live a very healthy life style (vegetarian no alcohol or drug use exercise almost every day meditate do yoga sleep well ....:) and I move to costa rica a couple of years ago. When I look for insurance back then I decided to take regency for expats, took the fully comprehensive plan which is the best and includes most things. Expensive but at my age you want something that can cover your ailments of getting older. I started having low back pain and hip pain cause by a change on my gaite as a result of an injury on my feet. The body tryed to adjust and the pain move from my feet then to my knee last to my hip and lower back. I didn't settle with what doctors were saying that it was related with aging and were prescribing pain meds. I am also a firm believer that when body has pain, you need to find the cause and not just numb it because it can cause farther damage. I was not happy with this approach and got an appointment with an specialist, whom listen to my concerns and went ahead and ordered an MRI. I am glad he did because we found the cause of the pain and treat it. (Probably the untreated condition changed the way I was putting pressure on the rest of the leg and cause a borderline dysplasia which cause a tear in the labrum) Because of the MRI they were able to see the cause of the pain and suggest a treatment. For the first time in a while I was able to be pain free and now with the treatment and therapy, I am in good shape. Now, there is the bump. In the diagnosis it said “Borderline dysplasia” and for Regency this diagnosis is not covered and wont cover anything related to it beacuse they classify it as a congenital disease. so I submitted a claim. Although, the persone attending the claim was polite, it took 6 month to resolve the claim and no-one ever talked to me. They wont cover it. Period. And they wont even take a phone call. So for this year on top of the Full price 6.500 u$ For my plan, I spent another 2.500 extra. Very disappointing. My intention writing this is to help others be careful when choosing insurance for those entering certain age :).”

Helpful Report

Posted 4 years ago

“What went wrong is that i have just spent the last half hour typing a message to your custermer servises and it was not sent twice please contact me soon thank you.”

Helpful Report

Posted 4 years ago

“Living overseas it was very important for my husband and I to choose the Insurance Company which we put our trust into taking into consideration their customer service and their mission statement. We truly believed in Regency For Expats and took out the policy we had to cancel when we knew that my husband had diabetes but they told us they would half the original premium and offer us a policy we were gappy to accept even at the reduced cost. Sadly my husband died in December 2019 and it has been very hard living here in Egypt nothing has been easy not even the burial but I got through it I only have my daughter here so been hard and not received the support I thought I would have from Regency. I have been waiting since December 2019 for my husbands settlement nothing has happened. They have put me through so much stress but I have given them everything they have not contacted me for months they even wrote and said to me that yes they could have treated me better. I want to be able to put closure on this but they keep dragging it on and on. No one has given me any help or the support as a widowed woman alone in Egypt trying to deal with my husbands death. He died peacefully when we were in the hotel from his heart stopping he never experienced any heart problems my Dr even wrote a report to confirm this and I have all the reports to confirm no suspicious circumstances because he died in the hotel I am still getting the run around. You cannot believe what I have had to do. I have made myself clear explaining everything to them. I need someone to help me put closure and let me move on as I too will he the next one heading into an early grave from all this stress. I did everything correct before we entered into this policy contract to ensure there would be no situations but this is all I have experienced problems since the death of my husband I am exhausted,sad and heart broken and really cannot believe how I have am and have been treated with such a large company who say their customers come first. Once I received a call but it was like talking double dutch kept calling me maam which I did not like so its just very frustrating and mentally draining. 😪😓”

Helpful Report

Posted 4 years ago

“My friends husband died in Egypt 2019 And still waiting settlement on life cover.There as been numerous times she ass tried to contact with emails but they are not answering.”

Helpful Report

Posted 4 years ago

“after 5 months we are still waiting for settlement of our claim for my wifes hospital bills resulting from a road traffic accident in october 2021. numerous emails requesting answers regarding the slowness of this claim are met with a stock answer "we have escalated your case to the to the claims team to investigate" absolute rubbish as far as i am concerned”

Helpful Report

Posted 4 years ago

“This is my second review. DO NOT BUY REGENCY. For 3+ weeks I have asked to clarify coverage, and they have not even after 40+ emails, given a clear answer. Now I discover that, had I followed their recommendation ("go get the procedure done and we will tell you after if you are covered") I would have been denied according to their own terms and conditions. DO NOT TRUST THIS COMPANY.”

Helpful Report

Posted 4 years ago

“Regency has denied my wife coverage for an operation that is scheduled for tomorrow to remove a nodule in her left breast. Although in the biopsy performed, came out as non-malignant, the fast growing and very irregular shape of the nodule, has raised concern among the team of oncologists at Ramathibodi Public hospital, so they advised her to remove the nodule and part of the surrounding tissue. It turns out that the “adviser" of Regency, thinks that this case could be left without surgery and proposes to monitore and wait when it acquires more alarming signs to proceed with the operation! I consider this argument totally unacceptable to deny assistance to my wife in something that worries her greatly. On the other hand, I find it inadmissible that the Regency "adviser" may question the medical criteria and protocol of the oncology team of a good hospital such as Ramathibodi Hospital. I do not think this is a way to manage claims from users.”

Helpful Report

Posted 4 years ago

“I am so disappointed in Regency for Expats Insurance. My Doctor discovered that I had a hernia that required surgery. After sending in all of the required documentation they have been stalling and delaying any action for over 2 weeks now. Meanwhile, I am in pain and totally have lose faith in their "promises" of prompt service prior to signing up with them. My suggestion is to avoid Regency for Expats at all costs.”

Helpful Report

Posted 4 years ago

“STAY AWAY. I have had their coverage for many years, but something recently changed. They tried to get me to sign a waiver after coverage was issued, stating I could not litigate in Hong Kong. I refused. Now they declined some basic outpatient coverage based on stated "pre-existing" conditions. However, as I am a long time client, they were aware of my general health. I actually have no pre-existing conditions. I will likely have to sue them to get the coverage promised.”

Helpful Report

Posted 4 years ago

“Steer Clear is my best advice to anyone looking for medical insurance. Had to go to hospital after a routine checkup to have a Pacemaker fitted. Claim was rejected in full as I must have already had the heart problem!.. Even though it was asymptomatic they still don't have to pay out! Believe the poor reviews and steer well clear for the health of your finances as well as your health. Now watch for 5 or 6 5 star reviews to appear within the next couple of days!. that should give you an idea!.”

Helpful Report

Posted 4 years ago

“READ THE CHRONIC CONDITIONS EXCLUSION They can literally deny any claim for any ongoing medical treatment as it is "chronic condition". They are based in NEVIS. A volcano island with 11,000 people known for tax evasion and money laundering. Why would they be based there? So you can't do anything about it when they deny your claim. They approve small claims, deny large claims or just stop communicating all together. What are you going to do if they don't return your email? Go to their office? Good luck finding an address. Post fake reviews (notice they are 1 star or 5 star) to drown out the truth. NowCompare is part of it. They cherry pick expensive plans to compare to. Do a comparison yourself with quote from individual reputable companies. It's not any cheaper!!!”

Helpful Report

Posted 4 years ago

“The team are very responsive when it is about sales but when it comes to giving reasons why your claim is not being paid, the team refuse to provide documents, reports and processes. The medical advice given by their team of 'experts' was then found to be so negligent it would have led to paralysis. Regency are by far the worst insurance experience I have ever had and are amateurish. Please beware of this provider. There are plenty others out there that do provide service.”

Helpful Report

Posted 4 years ago

“I took comprehensive premium as i was getting project to work in Europe. On Xmas morning I went to emergency room due to fatigue which turn to be low blood counts and later hospitalized and diagnosed w mds. They refused to pay any bill ER and hospitalization, stating disease couldn't develope quickly. So how should person know if something is developing inside or not? If i had no symptoms I couldn't possibly know. It appears they are just fraud n money collectors”

Helpful Report

Posted 4 years ago

“We signed up for the very best policies you could buy in Malaysia. We paid 14,000 USD. Alot for Malaysia. My partner started having symptoms and pain from hernia 3 months later. His Dr recommends surgery. They denied the surgery and told him To wait until its an emergency. He asked if he had a heart attack would that so be considered pre-existing as heart issues dont just happen. They only want the money an expat can pay and care nothing about a minor surgery which our premiums more than covered by 3 times. The suffering they are inflicting on him is unacceptable. Be ware they dont even work with local hospitals as they state. Total scam. Especially for expats. WE WILL NOT BUY AGAIN AND DO NOT SUGGEST ANY EXPATS DO. NOT A GOOD COMPANY.”

Helpful Report

Posted 4 years ago

Regency for Expats is rated 3.9 based on 730 reviews