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WPA Health Insurance: Health Insurance reviews

Name: Health Insurance
Rating: 1.88 (26 reviews)

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1.57

Based on 26 reviews, last reviewed 19th Jan 2025

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

15%

3 star

73%

Latest highest rating:

5

Top customer service and excellent health policy Excellent policy with full coverage, including existing conditions, no limits. No stress when I needed surgery about policy coverage which is always a... Read more Reviewed on: 13th September 2024

Latest lowest rating:

1

Awful and unlawful I've been having an awful experience with WPA. I sprained my ankle within the time frame of my policy but based on an error by my GP, which was immedi... Read more Reviewed on: 19th January 2025

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About this product

WPA is a specialist, not-for-profit health insurer, offering policies for individuals, families and businesses. There are a range of add-ons to choose from, including cancer care, therapy and winter sports cover. Policyholders can access a mobile app to manage their health insurance.

Looking after your health is important, so it’s important to make the right selection when it comes to choosing a health insurer. At Smart Money People, we collect WPA health insurance reviews to help you make an informed decision. Learn more about the provider and its policies from genuine customers.

Find out how satisfied policyholders are with their WPA health insurance policies. Learn how long they’ve been with WPA and whether they would renew their policy. Learn what illnesses and ailments are covered under their policies and whether customers can choose where they receive treatment. Read about experiences with the claims process and learn how quickly claims are paid out. Find out what add-ons existing customers chose and whether they would purchase them again. All of this and more can be found in our WPA health insurance reviews.

If you have a health insurance policy with WPA, share your experience with others by leaving a review. Tell us why you chose WPA and how long you’ve had your policy. If you’ve made a claim, how simple was the process and how quickly was it paid out? Was there anything about the policy that was better or worse than you anticipated? Is there anything about the health insurance policy that you feel could be improved? Would you renew your policy and recommend WPA to your family and friends? Whether good or bad, write an honest WPA health insurance review today. Together, we can help people like you make better financial decisions.

WPA Health Insurance Health Insurance reviews (26)

Review of the WPA Health Insurance, Health Insurance:

Awful and unlawful

I've been having an awful experience with WPA. I sprained my ankle within the time frame of my policy but based on an error by my GP, which was immediately amended a few days later (also on the notes I've provided them), they have unauthorised physiotherapy for my ankle. This in itself was very upsetting and it was decided just before Xmas, on the 23rd December. The previous treatment (one physio session) I had through them caused a massive injury to my knee. They were kind enough to authorise a specialist appointment as I was in horrific pain for over a week and unable to walk. I never had this issue before. The specialist asked for a MRI. He had to fill in a WPA report where he indicated this had never happened before. Not content with this WPA requested his clinical letter. As this referred to gym exercises that hadn't been recommended as they caused pain in my knee, they also asked for my medical notes, which I provided. No mention of knee or ankle issues prior to these. However they keep on asking for more information as there was a mention of an appointment with a rheumatologist for general inflammation in joints years ago. It's clear they do not want to authorise any more treatment/an MRI and as I am a private customer, and not an employee with huge benefits, they decided to discriminate against me. I have now complained several times to no effect. On 30th December they had a perverse pleasure in informing me they have up to 8 weeks to respond. Couldn't care less about the pain I'm in. What is the point of paying almost 3 thousand to get abused and ill treated like this?? I have regretted so much transferring my policy over to WPA. They're far worse than AXA, whose admin team is a mess but they respond to complaints and try to address the issues. These guys just leave you stewing... And in pain. I was under the impression they were great. Not to me, unfortunately. They have since replied to my complaint on Trustpilot saying they are reviewing this. I believe they will take 8 weeks as required by law and of course make me pay privately although they are in breach of my policy terms and conditions. I will never renew my policy with this company and regret I have transferred to them. Reviewed on: 19th January 2025

Stay well clear

Took that long to pay the hospital for my Xray almost got a CCJ, there prices go up massively every year even if you do not claim, stay well away Reviewed on: 13th October 2024

Top customer service and excellent health policy

Excellent policy with full coverage, including existing conditions, no limits. No stress when I needed surgery about policy coverage which is always a worry with other providers. The customer service was the best I received from a health insurer, they even called post my surgery to check everything was ok. This provider is better than bupa and axa - and they actually care and go out of their way to help. Reviewed on: 13th September 2024

Please avoid..

They will spend days to build a case not to provide the private medical care, the underwriters dictate WPA. Go elsewhere, not worth the hassle. Reviewed on: 9th July 2024

Scam don’t sign in

When I first signed up for WPA, I was promised top-notch medical care and support. However, my experience has been far from satisfactory. Every time I contact their GP service, I am urged to see my personal GP instead. It begs the question - why am I paying for a service that constantly redirects me elsewhere? To make matters worse, the GPs that WPA collaborates with are a nightmare to deal with. Rude, dismissive, and lacking in basic bedside manners, they have left me feeling frustrated and abandoned. When I raised these concerns with my intermediary, Frank Coelho, he simply washed his hands off the matter, claiming that the GP service has nothing to do with WPA. Feeling utterly let down by the service, I am left with no choice but to write a scathing review to WPA. Their lack of accountability and poor quality of care have left me questioning the value of their services. It is a real shame that such a promising concept has turned out to be nothing more than a disappointment. Reviewed on: 4th July 2024

Expensive and poor service.

Expensive and poor service. Went to WPA about a problem with my knee. Had problems finding a specialist who would work with WPA. Then every step of the way yet another form is required to be completed by the specialist, slowing everything down, including authorisation for a scan. The phone app is also useless and simply complicates matters. Reviewed on: 16th May 2024

Avoid, avoid at all costs.

I would give 0 stars, but don't have that option so 1 star it is. I'm in need of surgery due to chronic knee pain, but the invoices for my consultations have not been paid since late February. When I called, the person I spoke to was not particularly helpful and had a general "can't be bothered" attitude. Reviewed on: 4th April 2024

Competitively priced product and an easy claim process.

Competitively priced product and an easy claim process. I was satisfied. Reviewed on: 2nd April 2024

Change their minds when it suits them

I have WPA Health through work, I changed jobs last year and transferred my account from WPA to WPA in the new company. I spoke to them directly about a GP referral I had before the transfer to check it would still be covered, they confirmed that I was covered and was pre-approved for the claim. So far, so good...but then... Once I had my results, and the treatment option was given I went back to get authorisation. At this point, WPA suddenly had a change of tune and decided that "it had become apparent" that I had a referral from before the transfer and declined to approve any treatment and then also added a personal exclusion for my condition so I can never any treatment again. Ridiculous! If I had known I would have got a new referral but they SPECIFICALLY told me it was not an issue - until it benefits only them to use anything against you just so they don't have to pay out. Unfortunately, many of my colleagues have had similar negative experiences with WPA - avoid them. Reviewed on: 5th March 2024

My partner has had some health issues and we have be...

My partner has had some health issues and we have been claiming on the WPA Insurance. Months after treatments were paid for and treatments completed I have not been reimbursed a single penny. They did not reply to an email I made enquiring for over a month and the WhatsApp chat contact line representative did not even offer an apology! Terrible service, expensive premiums, AVOID and choose another provider. Reviewed on: 23rd February 2024

Horrible experience -- avoid, avoid, avoid.

Horrible experience -- avoid, avoid, avoid. We as a family (2 adults, 3 children) joined WPA in May. Every single claim has been an absolute nightmare. For example, a claim which has been approved and then -- after seeing the consultant -- retracted unless we could submit a copy of the full medical record (is that even legal?). I've had someone from WPA calling me about my son, and after authentication, and then being put on hold for a while, being told that after all they cannot talk to me about my son since my husband is the main policy holder and that the form of authority that he signed does not include access to my children's information (??). And the latest: I've asked for some osteopathy sessions after I hurt my back. 4 sessions were approved after I was referred by a doctor. However to get the other 6 sessions on the policy, you need to: have the osteopath fill in a 2-page form called a therapist report. This takes 7 days to review. After the 7 days, I was told I also need a full copy of my medical records for the past 5 years plus an NHS GP referral letter. Not a private GP. Not a NHS physio. It has to be an NHS GP. It takes weeks to get either. It takes precious time from NHS doctors which frankly could be put to better use. Any claim takes a minimum of 4 days to reviewed, even the urgent ones. Avoid. Reviewed on: 31st January 2024

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