Lwood & Co Insurance Brokers Bingley

Personal Travel Insurance for PEMCs Personal Travel Insurance for PEMCs

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The Government’s Money and Pensions Service (MaPS) has launched a travel insurance directory for people with serious pre-existing medical conditions (PEMCs).

A directory of firms that specialise in travel insurance for people with serious medical conditions is on the Money Advice Service website: https://traveldirectory.moneyadviceservice.org.uk/en or you can telephone the Money Advice Service on 0800 138 7777.

The firms listed in the new Travel Directory are particularly for consumers with a PEMC in the following circumstances:

  • Declines: where a consumer is declined or otherwise not offered cover, or has their cover cancelled mid-term due to a PEMC
  • Exclusions: where a consumer is offered cover with an exclusion for a PEMC that cannot be removed
  • Premium loadings, where a consumer is offered cover with a PEMC loading to their base premium of £100 or more.

To find out more and to discuss your needs, please contact us on 01274 515 747 or email us at mail@lwood.co.uk

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Every company is different and requires a Bespoke Insurance Programme to be suitable for their needs.

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Our Health and Safety consultants can advise on managing your risks which in turn can reduce insurance costs.


With over 50 years in the Leisure and Hospitality industry we can advise on the key risks that face your business and what you need to do to reduce them

The ever changing world of insurance is complex and L Wood & Co Ltd have consistently provided the correct advice on the levels of insurance required for many years together with an excellent claims service. Being a family business gives them a “down to earth” approach and their assistance has been greatly appreciated. We are more than happy to recommend them.

Roger Thompson

In an industry that is somewhat confusing with ever changing regulations, Tom and Kevin at L Wood & Co Ltd have consistently provided excellent advice on the levels of insurance we require. As a global company with offices across the world, our insurance requirements are specialised and they have always provided excellent service and good advice. I have no doubts in recommending L Wood to anyone that requires a tailored insurance programme.

Vicki Horsfield

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