Medical Screening

Required for those living with medical conditions and/or disabilities.

Robust policies that cover most medical conditions.
Our scripts are relevant but conversational.
Our common sense approach makes us fair.
Premiums based on medical conditions in the last 5 years.
Some products have a 'fit to travel' warranty.
Trustpilot

Top Benefits



Robust Cover

Our Free Spirit, Travel Plus, Longstay products (and more) cover people living with diagnosed, stable and well-controlled conditons and/or disabilities.



Relevant Scripts

Our team follows a script, but are always encouraged to have a natural conversation. There are no time restraints on our calls so we can provide an empathetic service.



Fair Process

The leading questions we ask include ‘ In the last five years have you…’ or ‘In the last two years have you…’. This helps us narrow down the answers during the screening process.



Bespoke Quote

Free Spirit’s table of benefits is fixed, but the policy is built using details based on age, destination and medical declaration etc.



Fit To Travel

Some policies have a ‘fit to travel’ warranty to save declaring your medical history. Travellers must be fit to travel with any conditions being stable and well-controlled.

A quote from Sue our Customer Service Supervisor

“The training of staff at our all centre provides empathy involving several steps. First, they learn about the importance of empathy and its role in customer interactions.

We provide different scenarios to help them practice empathetic responses. They also receive guidance on active listening, using comforting language, and understanding customer emotions.

Real-life case studies and examples can be used to demonstrate effective empathy. Ongoing feedback and coaching refine their skills, fostering a culture of empathetic customer service.”

Discover our flagship product Free Spirit to source specialist travel insurance for most medical conditions and/or disabilities. After going through the medical screening process with our friendly team choose the cover level to suit your needs. If you have any queries our team will be happy to assist.

Contact Us

An easy, straightforward process

Our team goes the extra mile to provide excellent customer service.

Testimonials

See what our previous customers say about their experience with our customer service team.

{

Excellent service from start to finish. Nathan, who dealt with my enquiry, was very patient in guiding me through the myriad questions associated with existing health issues. I don’t think he could have been more helpful. The resulting quote was better than any of the other five companies I had tried.

Bob Thacker

{

Your agent was knowledgeable and able to apply his knowledge to our specific requirements. Your three product levels for travel insurance is also good and easy to follow. We were very happy to purchase the highest level because it was everything we needed. Your agent was an excellent front-of-house ambassador for your organisation, and within a day, we had already recommended your company to some of our friends, Jim Cooper 22 January 2026.

James Cooper

{

Very impressed by the service. Submitting the claim was straightforward and Rory was very helpful and efficient.

Adam

{

My wife had the misfortune to fall and break her arm, and I had to cancel a holiday at short notice. I contacted P J Hayman and had a very helpful contact, “Rory”, handle the claim, which was resolved within 4days which was truly amazing. Many thanks.

Tim Deakin

{

Difficult to say how it could be better. All our dealings, both verbal and in writing, have been dealt with perfectly. Everyone has been a perfect ambassador for your company, and my wife and I are very grateful to you all for your kindness.

{

I am so pleased with the service thank you & I don’t think it could be any better.

{

Re-joining for another year of annual travel insurance. Straightforward website, no issues or problems.

Mr Brian Bamford

{

Very easy to navigate through the application process and received quote immediately. To purchase was also an easy process

Avril Elliot

{

We think you are excellent, that is why we come back to you. We recommend you to our friends.

Mrs Christine Roberts

{

I took out a rock climbing travel insurance policy with BMC, who are partnered with PJ Hayman for their travel insurance. Following a fractured foot before the trip, I sadly had to cancel the holiday. Claiming on my policy was straightforward, and Rory was particularly helpful – advising me of the process over the phone. Claiming was easy, and the settlement arrived very promptly. A really professional company, and I will certainly take out another policy with the BMC/PJ Hayman for my next trip. Thanks again for your help!

Matt Marcroft