UK Insurance News

The UK specialist travel insurance provider P J Hayman has warned anybody booking their summer holidays abroad that they need to declare any pre-existing medical conditions when taking out travel insurance.

Peter Hayman, Director at P J Hayman explains:
“We have seen several stories in the news recently when people have had an accident or fallen ill abroad but have not had their bills paid by their insurance company due to the fact they did not declare a pre-existing medical condition.  Therefore, we are urging people to read the small print of their policies and speak to their insurer if they have any concerns.

Even managed pre-existing medical conditions such as asthma, high blood pressure and diabetes can cause a claim to be turned down if they are not declared.    It is therefore vitally important that consumers look beyond the price and take note of the terms and conditions of a travel insurance policy before they take one out.”

Research shows that over 60% of us do not read travel insurance documentation thoroughly and 9% do not bother reading it at all. That is until it is necessary to make a claim – which is too late!

P J Hayman offers Free Spirit, a policy which is specifically designed for people who have these types of conditions – and is able to insure 96% of people who approach them for cover – even those who have terminal illnesses.  There is no upper age limit and the policy also covers medical aids and medications.