P J Hayman & Company Ltd
Travel Insurance & Scheme Specialists

Celebrating 25 Years

Free Spirit


Specialist travel insurance for people with medical conditions & no age limits


  • No upper age limit on Single Trip and Annual Multi-trip
  • Cover for most existing medical conditions
  • Terminal cases considered – call us on 0800 170 7704 or 02392 419 865
  • Cancellation or Curtailment/Loss of holiday cover up to £5,000 (Super Duper cover) and £2,500 (Super cover)
  • Travelling companions also covered
  • Journey disruption / Airspace closure*
  • End Supplier Failure cover*
  • Cover for medical aids & medications
  • 24 hours a day, 7 days a week Emergency Helpline
  • Dedicated customer services team


Journey disruption incl. airspace closure*
Provides cover if you have to cancel (up to £3,000) or incur additional expenses (up to £1,000) as a result of disruption caused by a natural disaster such as a volcanic eruption, or if the Foreign & Commonwealth Office (FCO) advises against travel to your holiday destination. Cover applies if you book individual elements of your trip separately.

End Supplier Failure*
Cover up to £2,500 in the event the holiday/trip has to be cancelled due to the financial failure of your travel or accommodation provider and you are unable to recover your pre-booked travel and accommodation costs elsewhere.

* included with Super Duper cover only

After care cover at home following hospitalisation abroad
Includes costs for home help, physiotherapy, cosmetic surgery and dental costs after you have returned home.

Convalescence benefit
Provides up to £750 towards the cost of a convalescence trip in the United Kingdom to help you recuperate if you have been hospitalised abroad for more than 5 days.


Travellers of any age with an existing medical condition or disability.


Free Spirit is available to residents of the United Kingdom or Isle of Man who are registered with a United Kingdom or Isle of Man medical practitioner. You must be in the United Kingdom or the Isle of Man at the time of purchasing this policy and your trip must start and end in the United Kingdom or the Isle of Man.


This insurance is arranged by P J Hayman & Company Limited and underwritten by Cigna Europe Insurance Company S.A.-N.V., UK Branch and administered by Cigna Insurance Services (Europe) Limited.


Many Insurers will not provide cover for existing medical conditions. Wherever possible Free Spirit will provide cover.


Or call us on 0800 170 7704 or 02392 419 865 Mon to Fri 8am – 6pm

Last updated: 13th March 2017.


With over 20 years experience in travel insurance, we have created specific products to cater for specific needs. Whether you require cover for a medical condition, hazardous activities, round the world trip, Gap year, etc., we have a policy for you.


As schemes specialists, we are able to provide some unique products; these currently include: Holiday Cancellation (Top up your existing policy); Holiday Rental Cover (up to £5,000 if the property you’ve booked doesn’t exist), Euro Plus (breakdown cover for people travelling to Europe).


We have a range of facilities to cover companies; ranging from Group Personal Accident and Travel to Liability cover for Tour Operators.



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Specialist travel insurance for people with medical conditions & no age limits