Unum UK Reviews 795

TrustScore 4 out of 5

3.9

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Review summary

Based on reviews, created with AI

Reviewers had a great experience with this company. Customers frequently highlight the ease and speed of the claims process, often noting that payments are processed quickly, sometimes within a few days. Many people appreciate the efficiency of the service, finding it straightforward to submit claims and receive reimbursements. The overall sentiment suggests a smooth and satisfactory experience for most users when it comes to making claims and receiving payments. However, some customers were dissatisfied with the value for money, citing that the coverage often doesn't match the cost of treatment, particularly for dental expenses. There were also instances where claims were rejected for what some considered trivial reasons, or where the reimbursement amount was significantly lower than expected. A few people also mentioned difficulties with the cancellation process and issues with credit card handling.

What people talk about most

Claim

Customers consistently note ambiguous experiences with claim. Many reviewers praise the quick and... See more

Payment

People report ambiguous experiences with payment. Many customers praise the quick processing and promptness... See more

Service

Reviewers mention ambiguous feedback about service. Many customers praise the prompt, quick, and efficient... See more

Price

Consumers find price to be negative, expressing significant dissatisfaction with costs and reimbursements.... See more

Refund

Users describe ambiguous interactions with refund. Many customers report easy and speedy reimbursements, with... See more

Based on these reviews

Rated 5 out of 5 stars

Absolutely fantastic insurance company. I've never had to have private dental care and from start to finish Unum have been so easy. Making a claim is as easy as it is to send a photo on WhatsApp. Clai... See more

Rated 5 out of 5 stars

Bought a policy through my employer 8 months ago. Claims are so easy to make an usually paid within just a few days. Had to claim for an emergency when I saw 4 different dentists in 5 days and all cos... See more

Rated 5 out of 5 stars

I can’t speak highly enough of Unum Insurance. The claims process was very easy, payment was made very quickly, and the customer service was extremely helpful.

Rated 5 out of 5 stars

Easy and quick claim process The whole claim process is very handy, just a few clicks and uploading the receipt. I have my reimbursement in a week which is really impressive.


Company details

  1. Insurance Company
  2. Dental Insurance Agency
  3. Income Protection Insurance Company

Written by the company

We’re a leading employee benefits provider that offers expert health and wellbeing support alongside financial protection through the workplace.


Contact info

3.9

Great

TrustScore 4 out of 5

795 reviews

5-star
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1-star

Hasn’t replied to negative reviews

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Rated 1 out of 5 stars

Extremely low payout for fillings

I have a 'Clear 5' policy with them, which is the top one.

I has x4 fillings, at a regular dentist, The cost was £748,

Umum pay £55 if you have 1, £65 if you have 2, and £80 if you have 3.
... so in effect they are paying you £55 for filling 1, and then an additional amount of £25 for fillings 2&3.

Wouldn't recommend, their are better providers out there.

April 13, 2026
Unprompted review
Rated 1 out of 5 stars

Unum level 1 terrible

Private dentist. I had an exam and descale. I've got level 1 cover. So around 27quid per treatment should be claimed. They only paid out for one, saying it's classed as one treatment as it was done on the same day. Feel like this has been misold.

April 9, 2026
Unprompted review
Rated 2 out of 5 stars

Used to be speedy in resolving claims…

Used to be speedy in resolving claims but the last two I’ve put in for a mouth guard they claimed they needed more information like the person making the claim, itemised bill from the provider etc and what the treatment covers. I’d logged the claim on their app so I don’t know why they claimed they needed to know who the patient claiming the treatment was.

Twice this has happened and I can’t be bothered with the hassle so am cancelling my policy.

March 26, 2026
Unprompted review
Rated 1 out of 5 stars

These people will pester you non stop I…

These people will pester you non stop I made it clear I was not interested in filling a claim yet I was receiving phone calls and emails almost non stop to the point of borderline harassment. When one employee refused to stop calling I got very short with him over the phone to then have a different employee ring me back within a day

dirty vultures

January 8, 2026
Unprompted review
Rated 1 out of 5 stars

Don't bother emailing them

Customer service non existent, standard template replies, no personalised service and most of all couldn't give 2 flying effs about anyone who is unable to use the app.

February 18, 2026
Unprompted review
Rated 5 out of 5 stars

Brilliant dental insurance

Bought a policy through my employer 8 months ago. Claims are so easy to make an usually paid within just a few days. Had to claim for an emergency when I saw 4 different dentists in 5 days and all costs covered. Cannot recommend enough. Make sure you choose the right policy for you and read all the small print and costs you can claim back

February 11, 2026
Unprompted review

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