Regency for Expats Reviews

Name: Regency for Expats
Rating: 3.92

3.9 Rating 727 Reviews

73 %

of reviewers recommend Regency for Expats

Company Reviews

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Metrics

3.9

Based on 727 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

“My experience with Regency Insurance has been extremely negative and frustrating. Based on my experience, people should be very careful before taking insurance with this company. Even when you take what is presented as a “full comprehensive” policy, the reality is very different once you actually need to make a claim. The policy may look complete at first sight, but when you carefully read the clauses and exclusions, it becomes clear that there always seems to be a way for Regency to avoid paying. In practice, you pay a lot of money for coverage that may not give you the protection you expect when you really need it. The claim handling has been slow, repetitive, and disappointing. Instead of supporting the insured person, the process feels like a search for reasons not to reimburse or approve the claim. Documents are questioned, clauses are used against you, and the responsibility is pushed back to the customer. For me, this is not what a health insurance company should stand for. When people pay for comprehensive coverage, they expect professional support, clear communication, and fair claim handling, not endless obstacles and excuses. I seriously regret choosing Regency Insurance and would not recommend them. In my opinion, people should stay away and carefully compare not only the price, but especially the clauses, exclusions, and real claim experience before signing anything.”

Helpful Report

Posted 2 weeks ago

“STILL waiting for follow up regarding my enquiry which began with Simon Stracey on June 2nd. I had to go ahead with travel to Singapore for immediate health concerns and I STILL HAVE HAD NO RESPONSE. Apparently my case has to be reviewed by a ‘panel’. So here I am in Singapore - I have paid thousands of dollars for tests, accommodation and flights and STILL 17 days after my first enquiry I have had NO RESOLUTION!!! God forbid should I have life threatening injuries - I would NOT be trusting this company with anything. 😡 regarding my enquiry which began with Simon Stracey on June 2nd. I had to just go ahead with travel to Singapore for immediate health concerns and I STILL HAVE HAD NO RESPONSE FROM REGENCY! (even though I explained I had a small window of time in which I could have the tests due to work) Apparently my case has to be reviewed by a ‘panel’. It’s been well OVER TWO WEEKS since I was advised this from the claims department So here I am in Singapore - I have paid thousands of dollars for tests, accommodation and flights dollars and STILL 17 days after my first enquiry I have had NO RESOLUTION!!! I entrusted Regency with my family’s health after being hounded by at least 16 emails from the sales representative trying to get me to change from my existing expat insurance. What a mistake!!!! 16 emails getting me to switch to Regency…… 17 days and no resolution. NOT GOOD ENOUGH 😡”

Helpful Report

Posted 4 weeks ago

“My experience with Regency Health Insurance has been extremely disappointing. The claims handling process has been slow, frustrating, and, in my opinion, highly unprofessional. Documents that were already submitted were apparently not reviewed properly, and I was repeatedly asked for information that was already clearly included in the medical reports provided. What I find most concerning is the lack of care, accuracy, and accountability in the way my claim has been handled. As a patient, you expect your insurance provider to review medical documents carefully, communicate clearly, and support you during a stressful situation. Unfortunately, my experience has been the opposite. The communication feels careless and repetitive, with no clear explanation of what is actually missing or why the same information keeps being requested. This is not the level of professionalism I expect from a health insurance company. Based on my experience, I have serious doubts about Regency’s professionalism, customer care, and commitment to fair claim handling. I would not recommend Regency Health Insurance.”

Helpful Report

Posted 1 month ago

“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 9 months 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 10 months 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 10 months 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 10 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 11 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 1 year 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 1 year 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 1 year 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 1 year ago

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

Helpful Report

Posted 1 year 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 1 year 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 1 year ago

“หลอกลวง อย่าไปเชื่อมัน พวกนี้แก้งต้มตุ๋น Thai lanquage”

Helpful Report

Posted 1 year 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 1 year 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 1 year 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 1 year 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

Regency for Expats is rated 3.9 based on 727 reviews