P J Hayman & Company Limited
Travel Insurance & Scheme Specialists

Longstay & Backpacker


An essential policy for those taking extended trips such as a gap year or round the world trip.


Travellers taking extended trips abroad of up to 18 months.


Two levels of cover to choose from – you can choose ‘Backpacker’ or ‘Longstay’ cover. Recognising that backpackers only require essential covers, ‘Backpacker’ provides cover for cancellation/curtailment, personal possessions, emergency medical expenses, personal liability and personal accident. ‘Longstay’ provides higher limits and additional cover for departure delay, missed departure, possessions delayed in transit, personal money & travel documents and legal advice & expenses.

Return home at no extra charge! – for those wishing to break their trip midway, the insured can return home, say, at Christmas or Easter. The policy provides cover for up to two trips home (maximum 21 days per trip) during the policy period.

Automatic ‘Stop-Over’ cover – cover is automatically provided for ‘stop-overs’ of up to 7 days maximum in a higher rated area e.g. travelling to New Zealand via the USA. This can be extended to a maximum of 31 days on payment of an additional premium.

Free sports & activities cover – a wide range of activities are included free of charge under both Longstay and Backpacker with Activity Pack 1. Other activities may be covered under Activity Packs 2, 3 or 4 on payment of an additional premium. See Activity Packs Guide for further details.

Excess waiver option – for a single additional premium the standard claims excess can be deleted (this will not apply to any additional excess imposed following a call to Travellers HealthCheck).

5% discount for deleting personal possessions cover – if you have alternative cover for your personal possessions e.g. under your household insurance, a discount of 5% is available for deleting this cover under both ‘Longstay’ and ‘Backpacker’.

24hour medical emergency assistance – a 24 hours a day, 7 days a week, 365 days a year helpline is provided for assistance in the event of a medical emergency abroad.


Available to UK and Channel Islands residents, who have not spent more than 6 months abroad in the last 12 months.


Longstay – Up to age 75 if travelling to European, Australia and New Zealand destinations.
Longstay – Up to age 69 if travelling to Worldwide destinations.
Backpacker – Up to age 39.


Periods from 1 month up to a maximum trip duration of 18 months.


This policy may not provide cover for re-occurring or pre-existing medical conditions; however some cover may be available by contacting Travellers HealthCheck. See page 2 of the Insurance Policy for further details.


Union Reiseversicherung AG and administered in the UK by Travel Insurance Facilities plc.


Premiums, which include Insurance Premium Tax, are shown in the Sales Leaflet.


Brokers and Agents:

Please complete the Application Form and return it to us via post, email or fax.

Alternatively, call 02392 419 050 Mon to Fri 9am – 5pm.

Direct Customers:

Please complete the Application Form and return it to the issuing Broker or Agent or direct us via post, email or fax.

Alternatively, call 02392 419 070 Mon to Fri 8am – 6pm.

Last updated: 9th June 2015.


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: Equinsure (for horses & ponies); Villa Rental Protection (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.



ATII_logoBIBAHayman B2BFCO_logo2
An essential policy for those taking extended trips such as a gap year or round the world trip.