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.
Top 5 Medical Conditions Covered for Emergency Medical Costs In 2025, 95% of medical condition quotes completed with P J Hayman were accepted, and cover was offered. Getting travel insurance when you have pre-existing medical conditions can be challenging. That’s...
Why is Having Holiday Cancellation Cover Important? Holiday Cancellation Cover is a key feature of a travel insurance policy. If your holiday has to be cancelled unexpectedly, you'll miss the holiday. Yet you'll be compensated for any prepaid costs that can't be...
You've Spoken, We've Listened At P J Hayman, we’re always looking for ways to improve our service. With this in mind, we’ve found a way to make our service as tailored to our clients as possible. Any feedback we’ve received, we’ve taken on board, and where possible,...
Our Free Spirit travel insurance can consider travellers with a diagnosed terminal condition.
Our Free Spirit policy can look at offering travel cover even if you are on a waiting list for surgery.
Free Spirit travel insurance has no upper age limit for most destinations, and covers low risk activities as standard.
Cover is available if your pre-existing condition causes you to cancel or cut short your trip.
Free Spirit is available to people of any age, who are residents of the United Kingdom (England, Wales, Scotland and Northern Ireland), the Channel Islands, the Isle of Man, or for members of the British Armed Forces.
To be eligible for a policy, all persons travelling should be fit to travel and not be travelling against advice of a doctor.
No upper age limit for most destinations on Single Trip and Annual Multi-trip cover.
Single Trip
For people of any age who live with existing medical conditions or disabilities, our specialist single-trip travel insurance is ideal for an annual holiday, break, or far away, once-in-a-lifetime adventure.
With Free Spirit Single Trip Travel Insurance, insure individual trips for up to 115 days (or up to 45 days if you are aged 76 years or over).
If travel is longer than 45 days for someone aged 76 or over, please call us on 02392 419 080.
Annual Trip
As many trips as desired can be taken within the duration of the 12-month policy duration. With Free Spirit Annual Holiday Insurance, travel for a maximum of 32 days per trip for Standard or Super cover or 45 days per trip with Super Duper cover.
The following tables reflect a summary of cover available on the policy. You can find full cover detail, including definitions, terms and conditions, on your policy wording. We recommend reading this document prior to taking out cover and referring to it when the need arises during the duration of your cover.
Free Spirit is arranged in three cover levels: Standard, Super, and Super Duper. In each, cover is structured in sections A to O. Section N is an additional level of Winter Sports cover, available as an option and subject to an additional premium.
STANDARD
SUPER
SUPER DUPER
£1,000
£3,000
£6,000
£5,000,000
£7,500,000
£10,000,000
£1,000
£2,000
£3,000
£500
£1,000
£2,000
£125
£250
£500
£500
£1,000
£1,500
£2,000,000
£2,000,000
£2,000,000
NO COVER
£1,000
£2,000
NO COVER
£300
£400
NO COVER
£3,000
£6,000
NO COVER
£1,000
£2,000
NO COVER
£1,000
£1,500
See what our previous customers say about their experience with the P J Hayman team.
