Find out more about our cruise specific benefits available with Free Spirit and Travel Plus.
Travel Insurance to cover for those people who are travelling solo.
We can cover most pre-existing medical conditions and disabilities.
P J Hayman’s range of travel insurance solutions to cover high risks.
Several of our policies cover a range of activities as standard, find out more here.
We have policies that can provide travel insurance for UK only trips.
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You can find all of P J Hayman’s frequently asked questions below. If you can’t find the answer you need, please email us at info@pjhayman.com with details of your request. We will get back to you as soon as possible.
There follow some commonly asked questions to give you more information about Adventures Insurance and the cover offered. If you have a question that is not answered below, please reach out using the options on the contact us page.
Adventures Travel Insurance covers a very wide range of activities from Abseiling to Zorbing. Click here for activities we are able to cover. Should your activity not appear on the list please call us on 02392 419 093.
The policy is available to people aged 75 years or under who are registered with a medical practitioner and permanently resident in the United Kingdom (England, Scotland, Wales, Northern Ireland, Channel Islands and the Isle of Man).
Cover is available to people aged 75 years or under. If you are aged over 75 please call us on 02392 419 093.
Single Trip
For individual trips of up to 6 months continuous cover (maximum 3 months for ages 65-69 years or 31 days for ages 70-75 years).
Annual Multi-trip
For any number of trips throughout the year (maximum 60 days per trip - limited to 31 days for ages 70-75 years).
Adventures is underwritten by Endurance Worldwide Insurance Limited. They are a wholly owned subsidiary of Sompo International Holdings Ltd. Endurance Worldwide Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
This can be checked on the Financial Services Register by visiting www.fca.org.uk.
We can cover groups of any number, with discounts of up to 20% available depending on size.
If you are arranging a trip for a group of up to 10, you can get a quote online. For groups of 11 or more, please call us on 02392 419 093 .
Your medical information and the medical questions we ask you can change, so we aren’t able to transfer your medical information to a new policy. We will need to ask you for some information again to make sure your policy is correct and valid in case you need to make a claim.
The maximum duration of any individual trip is 6 months (although for persons aged 65-69 years the maximum trip duration is 3 months).
If you select Part B you will be covered up to £5,000 per person for travel, accommodation and pre-paid activity course fees should you find it necessary to cancel, curtail or abandon your holiday/trip. These limits cannot be increased. However, if you require top up cover for cancellation for your travel or accommodation, please call us on 02392 419 093.
If you are making several trips a year, Annual Multi-trip cover is usually the most cost effective option. For a single premium you will be covered for any number of trips throughout the year up to a maximum of 60 days each trip.
Please note: a trip must involve pre-booked accommodation or travel unless it is a ‘one-off’ event taking place on a single day.
The Annual Multi-trip policy covers you for an unlimited number of trips throughout the year up to a maximum of 60 days each trip.
Please note: a trip must involve pre-booked accommodation or travel unless it is a ‘one-off’ event taking place on a single day.
Trips in the UK, Channel Islands and the Isle of Man are covered.
A trip must involve pre-booked accommodation or travel unless it is a ‘one-off’ event taking place on a single day.
No, we are unable to extend cover beyond the maximum duration limit.
A family premium is available for Annual Multi-trip cover, for you and your husband/wife/civil partner or partner who are aged 64 years or under at the time of purchasing the policy (and have co-habited for at least 6 months), plus your unmarried, dependent children (including fostered or adopted), all aged under 18 years at the time of purchase of the policy. Independent travel allowed by you and your husband/wife/civil partner or partner but not your children.
As multi-generational family holidays grow in popularity let us inspire you to plan one. Discover what activities Adventures provides cover for during a family holiday.
Part A includes cover for specialist Activity Equipment up to £1,000 per person with a single item limit of £600.
If you select Part B you will be covered up to £5,000 per person for travel, accommodation and pre-paid activity course fees should you find it necessary to cancel, curtail or abandon your holiday/trip. These limits cannot be increased. However, if you require top up cover for cancellation for your travel or accommodation, please call us on 02392 419 093.
Below are the Coach Plus policy documents. For personal documents like the policy schedule, please either log in to your account or contact us.
Unfortunately, if you are on a trip and want to extend your cover we will be unable to do so. The policy will expire at the originally agreed date. The only exception to this is if you need to extend your policy following a change in travel plans as a result of the airline reduction and border closures.
In which case, you may extend the policy if:
However, only a maximum of 7 days will be granted and no further extension will be given. If you have a valid insurance claim the usual criteria applies, with regards to your insurance extended as part of the assistance case or travel delay after checking in baggage.
Coach Plus Insurance contains conditions relating to your health. You must refer to the Health Declaration & Health Exclusions section of your Insurance Policy.
On a Single trip policy, if you are offered an alternative destination and or dates from your travel agent, we will shift your insurance policy to fit the new trip without any administration charges, providing the new trip is for the same duration and to the same location or geographical area. Please call the customer service team on the number listed in your policy wording.
From the 31st December 2024 this insurance will be underwritten by AWP P&C SA registered in France with ID no 519490080 RCS Paris Registered Office: 7 Rue Dora Maar, 93400 Saint-Ouen, France acting through its UK Branch, AWP P&C (UK Branch), registered in the United Kingdom. Registered Branch No. BR015275. Registered Office: 102 George Street, Croydon CR9 6HD
Your medical information and the medical questions we ask you can change, so we aren’t able to transfer your medical information to a new policy. We will need to ask you for some information again to make sure your policy is correct and valid in case you need to make a claim.
You can pay by debit or credit card. We accept Mastercard and Visa.
Once you have purchased your policy, you will receive an email with instructions on how to access your policy documents via a secure online customer portal.
Please note – if you have not received your email after a few hours, please check your spam email folder.
If you are not completely satisfied with the cover provided you may return your policy to us within 14 days on receipt of your policy documents, provided that you have not already travelled and are not making a claim.
The documents below are valid to policies purchased from 1st January 2025. For any policies purchased prior to this, please contact us.
The insured vehicle must be:
This policy does not cover trips within Great Britain, Northern Ireland, the Isle of Man, and (for residents only) Jersey and Guernsey, other than during the direct journeys between your home and your international departure point.
Cover for one-way trips is not available.
On a single trip policy, we may be able to extend an individual trip policy providing you let us know before your policy expires. At the time of requesting the extension you will need to confirm you have not required assistance or claimed and are not intending to require assistance or make a claim. Please note, this is subject to your existing trip duration including the extended period not exceeding 90 days which is the maximum trip durations of the Single Trip policy. You will be advised of the additional premium at the time of the request.
It is not possible to extend trip durations on an annual multi-trip policy.
On most occasions, we will be able to guarantee costs directly with the repairer or garage. However, where we are unable to do, payment may be asked for directly. Please obtain a detailed invoice of all work carried out to support the claim. In the event of a motor breakdown, accident or theft, the 24 hour motoring breakdown service must be contacted as soon as possible. Any claim may not be paid if this is not done.
The policy is underwritten by Collinson Insurance. Collinson Insurance (a trading name of Astrenska Insurance Limited) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the United Kingdom, under Firm Reference Number 202846. Registered in England number 01708613.
You can pay by debit or credit card. We accept Mastercard and Visa.
Once you have purchased your policy, you will receive an email with instructions on how to access your policy documents via a secure online customer portal.
Please note – if you have not received your email after a few hours, please check your spam email folder.
If you are not completely satisfied with the cover provided you may return your policy to us within 14 days on receipt of your policy documents, provided that you have not already travelled and are not making a claim.
See what our previous customers say about their experience with the P J Hayman team.
Free Spirit covers all types of cruises on both Single Trip and Annual Multi-trip policies, including UK cruises, Caribbean cruises, Mediterranean cruises and short break cruises.
If you are visiting multiple countries on your cruise, please make sure you select the correct geographical area when getting a quote.
If there is a change of destination or additional duration please call us and we can update your policy. This may incur an appropriate additional premium that we will need to collect from you. However, we do not charge administration fees for any changes to a policy.
Extension requests will be considered but cannot be guaranteed:
Trip extensions:
– if you decide you wish to extend your trip whilst overseas
– if you are unable to return home from your trip as planned
– travel disruption caused by a contagious disease
Subject to Underwriters agreement, we can extend a Single Trip policy at your request. This is providing you let us know before the expiration date of the policy and that at the time of the request you do not intend to make a claim.
Please note – this is subject to the total trip duration including the extended period not exceeding 115 days (45 days if aged 76 years or over), which is the maximum trip duration of the Single Trip policy. You will be advised of the additional premium at the time of the request.
Please contact us on 02392 419 080 to discuss your requirements.
Your medical information and the medical questions we ask you can change, so we aren’t able to transfer your medical information to a new policy. We will need to ask you for some information again to make sure your policy is correct and valid in case you need to make a claim.
No, Free Spirit only covers round trips that start and end in the United Kingdom, Channel Islands or the Isle of Man. Alternatively, the trip may start from a Ministry of defence base or location, so long as it holds a recognised British Forces Post Office address.
However, please contact us on 02392 419 080 as we may be able to offer a different policy.
The geographical areas you can travel to on a single trip policy are as follows:
United Kingdom – England, Wales, Scotland, Northern Ireland and Isle of Man.
Europe – Albania, Andorra, Austria, the Azores, Belgium, Balearics, Bosnia-Herzegovina, Bulgaria, Canary Islands, Corsica, Croatia,
Cyprus, Czech Republic, Denmark (and the Faroe Islands), Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland,
Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Malta, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland,
Portugal, Republic of Ireland, Romania, Russia (west of the Ural mountains), San Marino, Sicily, Slovak Republic, Slovenia, Spain,
Sweden. Switzerland, Tunisia and Turkey.
Australia & New Zealand – Australia, including Territory of Cocos (Keeling Islands, The Territory of Christmas Island, Norfolk Island
and Lord Howe Island) and New Zealand, including the Cook Islands, Niue and Tokelau (including up to 48 hours stopover in a
country within a Worldwide area).
Worldwide – excluding Canada, Caribbean, China, Hong Kong, USA, Afghanistan, Cuba, Iran, Liberia, North Korea and Sudan but
including Egypt and Israel.
Worldwide – including Canada, Caribbean, China, Hong Kong, USA but excluding Afghanistan, Cuba, Iran, Liberia, North Korea
and Sudan.
Do be aware that you will not be covered if you travel outside the area you have chosen, as shown on your policy schedule.
Yes, in fact some features on our policy are specifically for travel within the UK. For example, you will benefit from up to £10,000 for indirect medical costs if you are injured or fall ill while away.
The maximum duration of any single trip is 115 days (although for persons aged 76 years and over the maximum duration is 45 days). If you are travelling for longer than 45 days and you are aged 76 or over, please call us on 02392 419 080.
No upper age limit for most destinations on Single Trip cover.
The start date of your policy should be the day that you leave home. Your end date should be the date you return home. Although, this could be a different day to the day you leave your holiday destination so do ensure your policy covers you and your party for the entirety of your scheduled return journey.
Cancellation cover starts on the date you purchase your policy so even if your holiday/trip is some time away, you will be covered for cancellation until the day your trip starts. For this reason, it is beneficial to purchase a travel insurance policy as soon as you have booked your travel.
Under all other areas of cover, it initiates when you leave your home and ends when you return home.
Cancellation cover Insurance begins on the date you choose to start your policy. If you already have a trip booked and you want to be covered immediately, you should select today’s date. You can choose to start your policy later (up to 31 days from today’s date) but there would not be any cancellation cover between now and the start date you choose.
No upper age limit for most destinations on Annual Multi-trip cover.
You can travel as often as you like within the 12 month period. There is a limit of 32 days (Standard Cover and Super Cover) and 45 days (Super Duper Cover) for any one trip.
Yes, your cover applies not only in your chosen geographical area, but also in the UK for trips but must include at least 1 nights’ booked accommodation.
In fact, some features on our policy are included with domestic travel in mind. For example, up to £10,000 cover is available for indirect medical costs if you are injured or fall ill while away.
You will not be covered if you travel outside the area you have chosen, as shown on your Policy Schedule.
•United Kingdom (England, Wales, Scotland, Northern Ireland, the Channel Islands and the Isle of Man).
• Europe: Albania, Andorra, Austria, the Azores, Belgium, Balearics, Bosnia-Herzegovina, Bulgaria, Canary Islands, Corsica, Croatia, Cyprus, Czech Republic, Denmark (and the Faroe Islands), Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Malta, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Russia (west of the Ural mountains), San Marino, Sicily, Slovak Republic, Slovenia, Spain, Sweden. Switzerland, Tunisia, and Turkey.
• Australia & New Zealand: Australia, including the Territory of Cocos (Keeling Islands, The Territory of Christmas Island, Norfolk Island, and Lord Howe Island) and New Zealand, including the Cook Islands, Niue, and Tokelau (including up to 48 hours stopover in a country within a Worldwide area).
• Worldwide - excluding: Canada, Caribbean, China, Hong Kong, USA, Afghanistan, Cuba, Iran, Liberia, North Korea, and Sudan but including Egypt and Israel.
• Worldwide - including Canada, the Caribbean, China, Hong Kong, USA but excluding Afghanistan, Cuba, Iran, Liberia, North Korea, and Sudan.
We are not able to extend the Annual Multi-trip policy. The maximum duration for any one trip is 32 days (Standard Cover and Super Cover) and 45 days (Super Duper Cover).
If you exceed the maximum trip duration, any claims during your holiday will not be covered.
If you have Annual Multi-trip cover, we will contact you prior to the expiry of the period of insurance as shown on your Policy Schedule. We will give you at least 21 days written notice before the expiry date.
On receipt of the reminder, we will ask you to complete a new application as we need to make sure that your details are based on your health at the time of taking out a new policy for the next 12 months.
No. Adults may travel independently but children under 18 years of age must be accompanied by an insured adult.
Healix Medical Assistance Services
Tel: +44 (0)208 608 4227 (this is a basic rate number)
Email: internationalhealthcare@healix.com
You should first call an ambulance using the local equivalent of a 999 number. If you are travelling within the European Union you should dial 112.
You should then, where possible, contact Healix Medical Assistance Services who are available 24 hours a day, all year round.
You have the reassurance of knowing that worldwide medical advice and help is just a phone call away. (For more information see pages 14 to 15).
If you are asked to pay a small bill for medicines and/or outpatient treatment it is often easier to settle your bill direct, keep all receipts and claim for the costs incurred on your return home.
If you are admitted as an inpatient, or you require outpatient treatment which is likely to exceed £500, then you must contact the 24 hour Medical Emergency Assistance prior to receiving treatment.
If an item you took on holiday, personal money or your travel documents get lost or stolen you must notify the police as soon as possible and obtain a written report and reference number from them. You also need to report the loss/theft to your tour operator’s representative or hotel/accommodation manager and (if possible) get a written report.
You should wait until you return home to make a claim. Full details on how to make a claim and what supporting documentation you need are also shown in your Insurance Policy.
Our claims handling team aim to resolve your claim as quickly as possible. It is important that you provide all the information you are asked at the time of claim to prevent any delays.
Yes. The security of your personal information and payment details is of utmost importance to us. We use 128-bit encrypted SSL to help keep all of your data safe.
You can pay by debit or credit card. We accept Mastercard and Visa. The payment will show on your statement as ‘P J Hayman'.
Once you have purchased your policy, you will receive an email from Free Spirit with instructions on how to access your policy documents.
Please note – if you have not received your email after a few hours, please check your spam email.
Please ensure you have set up an account. If you have not already done this, you can create an account by clicking this link. You will need to provide your first name and last name, date of birth and email in order to activate your account.
Please note, please ensure you use the same details to create your account that you used when obtaining a quote and purchasing your policy online.
If you are not completely satisfied with the cover provided and have not already travelled and are not making or intend to make a claim, you may cancel your policy within 14 days of purchase and we will refund your full premium.
There follow some commonly asked questions to give you more information about Longstay Travel Insurance and the cover offered. If you have a question that is not answered below, please contact us.
We may be able to, provided the extended period does not mean you exceed the maximum trip duration your policy will allow, and:
Please contact the sales team to discuss this further on +44 (0) 2392 419 011 (lines open Monday to Friday 9am to 5pm GMT, closed Bank Holidays).
Please ensure you contact us prior to your cover expiring as we cannot extend an expired policy.
Please Note: Extension requests cannot be accepted by voicemail or email.
Yes, the policy allows you to return home for up to two visits, each up to a maximum of 21 days per visit during the policy period if buying the ‘Standard’ or ‘Longstay’ cover, or up to four visits, each up to a maximum of 31 days per visit during the policy period if buying the ‘Longstay PLUS’ cover.
Please note, cover is suspended during the period at home.
Your policy is underwritten by Endurance Worldwide Insurance Limited, a wholly owned subsidiary of Sompo International Holdings Ltd. Endurance Worldwide Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulatory Authority under registration number 219654. Registered in England and Wales, Number 04413524
Gadget Cover is administered by Bastion Insurance Services Ltd and underwritten 100% by Collinson Insurance.
Collinson Insurance (a trading name of Astrenska Insurance Limited) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the United Kingdom, under Firm Reference Number 202846.
Your policy is arranged by:
This policy is arranged and administered by PJ Hayman & Company Limited. Registered in England. Registered No. 2534965. Registered Office: Stansted House, Rowlands Castle, Hampshire PO9 6DX. P J Hayman & Company Limited are authorised and regulated by the Financial Conduct Authority. Register number 497103.
The EHIC allows you to access state provided healthcare in all European Economic Area (EEA) countries and Switzerland. Your EHIC will be accepted for the remainder of its validity. If you do not have a valid EHIC you will need to apply for a GHIC.
For more information read our blog on the topic. To apply for your GHIC visit the GHIC website or call: 0300 330 1350.
Presenting your EHIC/GHIC at a public medical facility will allow you to obtain treatment at a reduced cost and in many cases free of charge, provided you are a UK or BFPO resident (please note if you reside in the Isle of Man or the Channel Islands you are not eligible for an EHIC/GHIC). You must carry it with you when travelling abroad. Remember to check your EHIC/GHIC is still valid before you travel.
If you are travelling outside the EEA then there are some countries that have reciprocal agreements with the UK and these can be found on the NHS website.
Yes. Please send us a message with your policy number (if known), the lead name and the address (for verification) and we will then resend the policy.
You are covered for Emergency Medical Expenses if you fall ill with COVID-19 whilst on your trip. This includes cover for any reasonable accommodation and/or travelling expenses as well as the cost of any necessary repatriation expenses to the UK.
This cover is not provided, however, where you have travelled against the advice of the Foreign, Commonwealth and Development Office (FCDO) or against medical advice.
What you are not covered for:
Your medical information and the medical questions we ask you can change, so we aren’t able to transfer your medical information to a new policy. We will need to ask you for some information again to make sure your policy is correct and valid in case you need to make a claim.
Yes, you can select the ‘Excess waiver’ option during the quote process, by paying an additional premium. The standard excess will then be reduced to ‘nil’.
Note: the excess would still apply for Gadget cover and where any additional excess has been imposed following a call to declare a medical condition.
Longstay & Backpacker includes a wide range of sports and work activities that are automatically covered as standard (Activity Pack 1).
Others (Activity Packs 2- 4) may be covered on payment of an additional premium.
Please view all sports and activities covered in the policy document on pages 28-31. If you wish to take part in an activity not shown in the Activity Packs, please contact us on 02392 419 044, as we may still be able to provide cover.
Longstay Travel Insurance has a 24 hour medical emergency and repatriation service provided by Healix Medical Assistance.
Tel. +44 (0)208 608 4254
Further details of this service are shown in your Insurance Policy.
Staff are on call 24 hours a day throughout the year. They will, when necessary, guarantee medical bills and arrange repatriation if required.
If you are asked to pay a small bill for medicines and/or outpatient treatment it is often easier to settle your bill direct, keep all receipts and claim for the costs incurred on your return home. It is very important to obtain an itemised receipt for any monies paid for medical treatment.
If you are admitted as an inpatient or outpatient treatment is likely to exceed £500, then you must contact the 24 hour Medical Emergency Assistance Service as soon as possible. They will then arrange for medical expenses covered by the policy to be paid direct to the hospital/clinic.
See the claims section for details.
Full details of what you need to do to make a claim are also shown in your Insurance Policy.
Please note: You will be expected to follow the claims procedure shown in your Insurance Policy and to substantiate your claim by providing supporting documents.
You can pay by debit or credit card. We accept Mastercard and Visa.
Yes. The security of your personal information and payment details is of utmost importance to us. We use 128-bit encrypted SSL to help keep all of your data safe.
Policy documents will be available to download upon completion of purchase. They can also be accessed via the customer portal. Instructions on how to set this up will be emailed to the lead traveller once the policy is purchased.
Yes, you should print a copy of your Schedule and Policy Documents and carry them with you.
The Policy Document includes important telephone numbers including the Medical Emergency Assistance Service that is available to you 24 hours a day, 365 days a year for advice, assistance, making arrangements for hospital admission, repatriation, and authorisation of medical expenses.
If you are not completely satisfied with the cover provided, you may return your policy to us within 14 days on receipt of your policy documents. Provided that you have not already travelled and are not making a claim, your premium will be refunded in full.
There follow some commonly asked questions to give you more information about Top Up My Cover Travel Insurance and the cover offered. If you have a question that is not answered below, please contact us.
You can top up your main travel insurance policy by up to £50,000 per person (up to £15,000 per person if aged 75-79 and £10,000 if aged 80-85), provided each person is on the same booking. The overall limit per policy is £100,000.
If you require cover above these limits, please click here for details of an alternative policy – High-Value Travel Cancellation Insurance.
You must have at least £1,000 of cover per person on your main travel insurance policy. It doesn’t matter how high the cover is.
Yes, you must have an existing travel insurance policy in place before you can top up.
Learn how Top Up My Cover works to ‘top up’ your existing insurance.
There is a waiting period of 7 days from the time that you take out your policy. If anything occurs in this period, or you are aware of anything that could give rise to a claim prior to taking out your Top Up Cancellation policy, you will not be covered.
You will need to check what the total cancellation cover is. Most policies will provide cover per person. So, if you have £3,000 per person and there are two adults and two children covered you will have £12,000 total cover. If your total trip cost is £18,000 then you would need a Top Up of £1,500 per person.
Endurance Worldwide Insurance Limited are the underwriters for Top Up My Cover Cancellation. They are a wholly owned subsidiary of Sompo International Holdings Ltd. Endurance Worldwide Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
This can be checked on the Financial Services Register by visiting www.fca.org.uk.
Top Up My Cover Cancellation only pays after a valid claim has been made on your main travel insurance policy so we will not ask you about any pre-existing medical conditions. However, you should always make sure that you have made a full declaration to the insurers of your main travel insurance policy to ensure that you are covered with them.
Any change will need to be referred to insurers. Please call us on 02392 419 882 to discuss.
In order to have a joint policy, you must be on the same main insurance policy. If you have seperate insurances you wish you top up, you must have seperate top up policies.
You will not be able to claim under your Top Up policy as it only pays out once your main policy has settled a claim up to the policy limit.
You should notify insurers of your intention to make a claim within 31 days following the settlement date of your claim under your main travel insurance policy.
You have no further need of the Top Up cover which was there in case you needed to make a claim for the full cost of your trip.
You can pay by debit or credit card. We accept Mastercard and Visa.
Once you have purchased your policy, you will receive an email with instructions on how to access your policy documents via a secure online customer portal.
Please note – if you have not received your email after a few hours, please check your spam email folder.
If you are not completely satisfied with the cover provided you may return your policy to us within 14 days on receipt of your policy documents, provided that you have not already travelled and are not making a claim.
There follow some commonly asked questions to give you more information about Travel Plus Travel Insurance and the cover offered. If you have a question that is not answered below, please reach out using the options on the contact us page.
This insurance is only available to people who are:
We will not cover anyone who does not meet these requirements.
All children must be under the age of 18 (or 23 if still in full time education) on the date you purchase your policy. Children may travel independently from other adult insured persons. Children under the age of 18 must have the permission of their parent and/or guardian and be accompanied by a responsible adult during the trip.
Travel Plus insurance is underwritten 100% by Lloyd's Syndicate 4444 which is managed by Canopius Managing Agents Limited. Registered Office: Canopius Managing Agents Limited, Floor 29, 22 Bishopsgate, London EC2N 4BQ. Registered in England no. 01514453. Canopius Managing Agents Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference: 204847.
If you already have a valid EHIC, it will continue to entitle you to reduced-cost (sometimes free) medical treatment that becomes necessary while you are in a European Economic Area (EEA) country or Switzerland. The EEA consists of the European Union (EU) countries plus Iceland, Liechtenstein and Norway. Cover will end on the expiry date of your EHIC.
• If you do not have a valid EHIC, or it is due to expire before you travel, you can apply for a GHIC. This entitles you to reduced-cost (sometimes free,) medical treatment that becomes necessary while you are in a European Union (EU) country.
• These cards only give access to state-provided medical treatment. Remember, this might not cover all the things you would expect to get free of charge from the NHS in the UK. You might have to make a contribution to the cost of your care.
• You can apply for an GHIC online at www.ghic.org.uk or by calling 0300 330 1350.
Please note:
The EHIC/GHIC do not cover the cost of:
• medical treatment in a private hospital or clinic,
• the additional cost of returning to your home country or
• for a close relative to stay or fly out to be with you.
If travel to a specific country or to an area where the Foreign, Commonwealth & Development Office (FCDO) advised against all travel at the time you purchased your policy or booked your trip (whichever is later).
Yes. Please email us at direct.sales@pjhayman.com with your policy number (if known), the lead name and the address (for verification) and we will then resend the policy.
Your medical information and the medical questions we ask you can change, so we aren’t able to transfer your medical information to a new policy. We will need to ask you for some information again to make sure your policy is correct and valid in case you need to make a claim.
All children must be under the age of 18 (or 23 if still in full time education) on the date you purchase your policy. Children may travel independently. Children under the age of 18 must have the permission of their parent and/or guardian and be accompanied by a responsible adult during the trip.
Children/Child means your or your partner's children or grandchildren, including step-children, step- grandchildren and fostered or adopted children or grandchildren, provided that they are:
• under 18 years old on the date you purchase your policy (or under 23 if still in full time education);
• dependent on you or your partner (or in the case of grandchildren dependent on you or your partner or their parent(s));
• not married or living with their partner.
You will not be covered for claims related, in any way, to pre-existing medical conditions under: • Section 1 (Cancellation or cutting short your trip) • Section 2 (Emergency medical, repatriation and other expenses) • Section 3 (Personal accident) or • Section 15 (Cruise cover)
Unless:
A pre-existing medical condition is:
a) any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease or epilepsy for which you have ever received treatment (including surgery, tests or investigations by a medical practitioner and prescribed drugs or medication)*
b) any cancer condition in the last 5 years*
c) any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last twelve months
d) any medical condition for which you are taking prescribed drugs or medication
e) any medical condition for which you have received a terminal prognosis
f) any medical condition you are aware of but for which you have not had a diagnosis
g) any medical condition for which you are on a waiting list or have knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home*
*Unless it is an accepted condition
For trips within your home country (the country you live in the United Kingdom, Channel Islands or Isle of Man) you must have pre-booked at least one nights’ accommodation in a hotel, motel, holiday camp, bed and breakfast, holiday cottage or similar accommodation rented for a fee.
Please read the Insurance Policy for full details of cover.
If you do wish to complain, please note the 3 steps below, along with the relevant contact details for each step. However, please note, should you wish to direct your complaint directly to Lloyd's in the first instance, you may do so by using the contact information referenced in step 2 below.
Step 1:
Firstly, if your complaint is about a claim, please direct it to the relevant claims handler:
All claims (other than Gadget claims)
Roger Rich & Company Part of the Claims Consortium Group
Phone: 01608 641 351 (this is a basic rate number)
Email: travelplus@claimsconsortiumgroup.co.uk
Write to: 2a Marston House, Cromwell Park, Chipping Norton, Oxfordshire OX7 5SR
Gadget claims
Davies Group Limited
Phone: 0345 030 8135 (this is a basic rate number)
Email: - for new claims not submitted via ENOL: Valid8-GadgetAdmin@davies-group.com
for existing claims: gadgetclaims@davies-group.com
Write to: Davies Group Limited, P.O Box 2801, STOKE-ON-TRENT, ST4 9DN
If your complaint is not about a claim, please direct it to:
PJ Hayman & Company Limited
Phone: 02392 419 833 (this is a basic rate number)
Email: customerservices@pjhayman.com
Write to: Stansted House, Rowlands Castle, Hampshire PO9 6DX
Step 2:
Should you remain dissatisfied with the outcome of your complaint from P J Hayman & Company Limited, your claims handlers you may refer your complaint to Lloyd's. Lloyd's contact information is:
Complaints at Lloyd's, Fidentia House, Walter Burke Way, Chatham Maritime, Kent ME4 4RN
Tel: +44 (0)20 7327 5693
Email: complaints@lloyds.com
Website: www.lloyds.com/complaints
Details of Lloyd's complaints procedure are set out in a leaflet "Your Complaint - How We Can Help", which is available at
www.lloyds.com/complaints. Alternatively, you may ask Lloyd's for a hard copy.
Step 3:
If you remain dissatisfied after Lloyd's has considered your complaint, you may have the right to refer your complaint to an alternative dispute resolution (ADR) body.
If you live in England, Scotland, Wales or Northern Ireland, the contact information is:
Financial Ombudsman Service, Exchange Tower, London E14 9SR
Tel: 0800 0234 567 (calls to this number are free on mobile phones and landlines)
Tel: 0300 1239 123 (calls to this number cost no more than calls to 01 and 02 numbers)
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk
If you live in the Channel Islands, the contact information is:
Channel Islands Financial Ombudsman, PO Box 114, Jersey, Channel Islands JE4 9QG
Jersey: +44 (0)1534 748610
Guernsey: +44 (0)1481 722218
International +44 1534 748610
Facsimile: +44 1534 747629
Email: enquiries@ci-fo.org
Website:www.ci-fo.org
If you live in the Isle of Man, the contact information is:
Financial Services Ombudsman Scheme,
Thie Slieau Whallian, Foxdale Road, St John's, Isle of Man IM4 3AS
Tel: +44 (0) 1624 686500
Fax: +44 (0) 1624 686504
Email: ombudsman@iomoft.gov.im
Website: https://www.gov.im/oft/ombudsman/
You are not covered for any acts of terrorism
However, this exclusion does not apply to claims under section 2 (Emergency medical, repatriation and other expenses), provided:
The maximum duration of any single trip is 115 days. For trips within your home country (the country you live in the United Kingdom, Channel Islands or Isle of Man) you must have pre-booked at least one nights’ accommodation in a hotel, motel, holiday camp, bed and breakfast, holiday cottage or similar accommodation rented for a fee.
If you require cover for longer periods, please contact P J Hayman & Company Limited on 02392 419 044. Alternatively, you can get a quote online via our Longstay product that provides cover for single trip travel for periods up to 18 months.
We may be able to extend an individual trip duration providing you let us know before your policy expires. Please note, we can only consider this if your existing trip duration (including the extended period) has not exceeded 115 days and at the time of requesting the extension, you are not intending to make a claim. An additional premium may be required.
If you are making several trips a year, Annual Multi-trip cover is usually the most cost-effective option. This will cover you for an unlimited number of trips in a 12 month period, each up to a maximum of 33 days (extended to 45 to 60 days where you have paid the extra premium and this is shown on your policy schedule).
The Annual Multi-trip policy will cover you for an unlimited number of trips in a 12 month period, each up to a maximum of 33 days (extended to 45 or 60 days where you have paid the extra premium and this is shown on your policy schedule)
Children can travel independently from other adult insured persons if they are under the age of 18 years and have the permission of their parent and/or guardian and are accompanied by a responsible adult e.g. on a school trip.
Note: we cannot cover unaccompanied children.
The policy provides up to 33 days per trip. If you require trips of 45 or 60 days you can pay an extra premium to increase the maximum trip duration. We cannot offer cover if you have exceeded the maximum trip duration as shown on your schedule.
The Travel Plus policy has a 24 hour medical emergency and repatriation service provided by:
Travel Plus – 24-hour Medical Emergency Assistance Service.
In the event of a medical emergency you must contact the medical emergency assistance service on:
+44 (0) 203 869 1108
Further details of this service are shown in your Insurance Policy.
Staff are on call 24 hours a day throughout the year. They will, when necessary, guarantee medical bills and arrange repatriation if required.
If costs are below £500 for medicines and/or outpatient treatment it is often easier to settle your bill direct, keep all receipts and claim for the costs incurred on your return home. If costs are likely to be more than £500 or you are admitted as an inpatient, then you must contact the 24-hour Medical Assistance Service as soon as possible. They will then arrange for those medical expenses covered by the policy to be paid direct to the hospital/clinic. Please refer to your policy wording for full details.
FOR IMMEDIATE HELP FROM A GP, you will be able to speak with a UK GP any time, day or night, any day of the year.
This simple and highly effective service gives you access to speak to a qualified, NHS practicing GP, 24 hours per day 7 days per week, wherever you are, at home or travelling on holiday.
This service is accessed via an app and gives you:
NOTE:
This service does not form part of your insurance cover - it is an independent service arranged through a third party.
Click here for details.
Full details of what you need to do to make a claim are also shown in your Insurance Policy.
Please note: You will be expected to follow the claims procedure shown in your Insurance Policy and to substantiate your claim by providing supporting documents.
You can pay by debit or credit card. We accept Mastercard and Visa.
Yes. The security of your personal information and payment details is of utmost importance to us. We use 128-bit encrypted SSL to help keep all of your data safe.
