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WPA

WPA (Western Provident Association)

87.9Score

★★★★☆4.7

Customer satisfaction · 100K members

MyTribe: #2 Ranked (89.7%)(2026)Trustpilot: 4.7/5 — Industry Best(2026)Which?: #1 Claims Satisfaction(2026)

WPA is the oldest private health insurer in the UK (125 years) and a not-for-profit mutual. Despite its smaller size, it achieves the highest Trustpilot rating (4.7/5) of any UK health insurer and ranks #1 for claims satisfaction by Which?, with flexible modular cover.

Overall Score

87.9/100

Founded

1901

Headquarters

Taunton, Somerset

Type

private

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Key Metrics

Monthly Premium

From ~GBP 45/month (age 30)

My Tribe Score

89.7% (#2)

Trustpilot Rating

4.7/5 — highest in UK PMI

Which Claims Rank

#1 for claims satisfaction

Editorial Ratings

MyTribe: #2 Ranked (89.7%)(2026)

Rating: 89.7% — #2 ranked (max: 100%)

89.7MyTribe

Trustpilot: 4.7/5 — Industry Best(2026)

Rating: 4.7/5 (5,223 reviews) — highest of any UK health insurer (max: 5/5)

94Trustpilot

Which?: #1 Claims Satisfaction(2026)

Rating: #1 for claims satisfaction (max: #1)

80Which?

Coverage Highlights

✓Highest Trustpilot rating of any UK health insurer (4.7/5)
✓#1 ranked for claims satisfaction by Which?
✓Flexible modular cover with separate benefit pots
✓Not-for-profit mutual with 125 years of heritage
✓Exceptional personal, non-automated customer service

Pros

✓Highest customer satisfaction ratings in the UK PMI market
✓Flexible modular structure with separate benefit pots
✓Not-for-profit; over 120 years of heritage
✓Personal, non-automated customer service approach

Cons

✗Smaller provider; less brand recognition than Bupa
✗Stricter health checks for applicants aged 66+
✗Smaller network of partner hospitals compared to Bupa

Frequently Asked Questions

What is WPA?

WPA (Western Provident Association) is the UK's oldest private health insurer, founded in 1901. It is a not-for-profit mutual known for exceptional customer service and flexible modular cover.

How does WPA compare to Bupa?

WPA has higher customer satisfaction ratings (4.7/5 vs. 4.5/5 on Trustpilot) and is #1 for claims satisfaction, but Bupa has a larger network, more brand recognition, and stronger mental health cover.

How much does WPA health insurance cost?

WPA PMI starts at approximately GBP 44.70/month for a 30-year-old and GBP 122.95/month for a 60-year-old (2026 estimates).

Quick Summary

InsurerWPA

Country🇬🇧 United Kingdom

Overall Score87.9/100

Satisfaction4.7/5

Members100K

Typeprivate

Founded1901

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