Free Spirit

For travellers of any age with medical conditions.

Travel Plus

Travel Insurance that gives you more.


For hazardous activities while overseas.

Longstay & Backpacker

For all types of extended trips.

Top Up My Cancellation Cover

Up to £50,000 additional cancellation cover.

High Value Cancellation Cover

Cover for ultra high net worth travel.

Coach Plus

Especially for Coach Trips in the Uk & Europe.

Euro Plus

European motor breakdown cover.


Designed for UK-based holidays.

Mission, Vision & Values

Giving travellers the freedom to travel, with confidence.

Our History

Over thirty years providing specialist travel insurance solutions.


Happy customers are are the heart of everything we do.


Our work has been recognised in some prestigious awards.

Our Team

The people who make P J Hayman what it is.


All P J Hayman Key Contacts and how to get in touch.

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Longstay & Backpacker

Designed For Any Extended Trip

Key Features

Medical Conditions Covered

Subject to a medical screening, Longstay & Backpacker can cover the majority of medical conditions.

Extended Trip Cover for Senior travellers

Travel up to the age of 75 in Europe and 69 worldwide can benefit from a Longstay & Backpacker policy.

Ideal for Solo Travellers or Couples

With up to £3,500 cancellation cover, the policy gives the essentials needed for typical extended trips overseas.

Return Home

Up to 4 trips home can be planned during a policy – priceless for breaks to spend holidays or special occasions with family & friends.

3 Levels of Cover

Choose from Standard, Longstay and Longstay Plus, each with different levels of cover and limits.

Underwritten by AIG

Partnering with AIG gives the security of an A-rated insurer, not to mention access to AIG’s Travel Guard assistance and claim services.

Work or Study Abroad Placement

For an additional premium, a study or work placement extension will cover tuition fees if unable to travel, or the trip has to be cut short.

This an essential policy for those taking extended trips such as a gap year, round-the-world trips, or studying abroad. Longstay & Backpacker travel insurance is a specialist package which is different to standard holiday insurance. It’s geared to people travelling for 1 month to 18 months.

For those wishing to break their trip midway, Longstay & Backpacker allows you to return home, say, at Christmas or Easter, for up to four trips home.

Ready to explore the world?

Gap years may be thought of as just for young people. However, Longstay & Backpacker provides cover for those young at heart – aged up to 75. For travellers dreaming of extended trips, 100 activities are included automatically for free. Gadget cover is included too so you can capture & share memories of a lifetime with everyone back home.

Extended study and work abroad can also be covered with a study or work placement abroad extension.

Call us for more details on 02392 419 011 or get a quote today.

What’s Covered

Please note that the following tables reflect a summary of cover available on the policy. You can find full cover detail, including terms and conditions, on your policy wording.

Longstay & Backpacker offers the choice of three distinct cover levels: Standard, Longstay and Longstay Plus. In each, cover is structured in sections A to C.

Additionally, a Study or Work Placement Extension (SWPE) is available for an additional premium.

Please use the tabs to explore different sections of cover.

Standard cover
Longstay cover
Longstay Plus
cover limit
per person
A - Cancellation
B1 - Departure Delay
no cover
£20 after first full 12 hours
£10 after each following full 12 hours
up to a maximum of £100
£25 after first full 12 hours
£15 after each following full 12 hours
up to a maximum of £145
Missed Departure
no cover
Abandonment (after 24 hours)
no cover
B2 - Personal possessions
£100 for each individual item
no cover for valuables
maximum of £750 in total
£250 for each individual item
£250 in total for all valuables
maximum of £2,000 in total
£400 for each individual item
£400 in total for all valuables
maximum of £2,500 in total
Possessions delayed in transit (over 12 hours)
no cover
essential items up to £100
essential items up to £100
Standard cover
Longstay cover
Longstay Plus
cover limit
per person
B3 - Personal money, passport & travel documents
no cover
£250 in cash on person
£500 in total
£250 in cash on person
£500 in total
Loss of passport & travel documents
no cover
£250 necessary travel and accomodation costs
£250 necessary travel and accomodation costs
B4 - Emergency medical expenses
State hospital benefit
£200 (£10 for each full 24 hours)
£400 (£20 for each full 24 hours)
£500 (£50 for each full 24 hours)
B5 - Curtailment
£250 additional costsfor transport and accomodation
£500 additional costs for transport and accomodation
£750 additional costs for transport and accomodation
B6 - Personal Liability
£250 property damage
£50 other claims
Standard cover
Longstay cover
Longstay Plus
cover limit
per person
B7 - Accidental death and disability
B8 - Legal advice and expenses
no cover
C1 - Gadget cover
no cover
Study or work placement abroad
- This is an optional policy extension available for an additional premium

Eligibility & Restrictions


Those taking out or named on a policy must be resident in the United Kingdom (England, Wales, Scotland and Northern Ireland) the Channel Islands, or a BFPO area.

Age Limits

Longstay & Longstay Plus cover are available up to the age of 75 for European policies, and 69 for worldwide policies on the date the policy is purchased.

Standard policies are available to those up to age 39 on the date the policy is purchased.

Additionally, anyone aged over 16 can travel independently from an insured adult.

Trip Limits

Policies can cover periods of 1 month up to a maximum of 18 months.

Frequently Asked Questions

There follow some commonly asked questions to give you more information about Longstay & Backpacker 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 form at the bottom of the page.

Please use the options at the top to explore each section. Each question can be expanded in turn by clicking on it.

Policy Options
Medical Assistance and Claims
Buying Online
Can I extend my cover if I am currently on a trip?
We may be able to, provided the extended period does not mean you exceed the maximum trip duration your policy will allow, and:
  • it hasn’t expired
  • the extended trip is to the same location or geographical area
  • no claims have been made or are to be submitted
  • there has been no change in medical conditions or your health since the trip commenced.
Generally only a maximum extension of 7 days will be granted and no further extension will be given. If you have a valid insurance claim in the event of accidental death, injury or illness, or travel delay after checking in luggage, the cover will be automatically extended for the additional days necessary for you to complete the trip. Please contact the sales team to discuss 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 requested cannot be accepted by voicemail or email.
Am I able to return home, and then resume my trip?

Yes, the policy allows you to return home for up to two trips, each up to a maximum of 21 days per trip during the policy period if buying the ‘Standard’ or ‘Longstay’ cover, or up to four trips, each up to a maximum of 31 days per trip during the policy period if buying the ‘Longstay PLUS’ cover.

Please note, cover is suspended during the period at home.

Who are the Insurers?

Longstay & Backpacker Travel Insurance is arranged by P J Hayman & Company Limited who are authorised and regulated by the Financial Conduct Authority.

Cover is underwritten by American International Group UK Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Registered in England: company number 10737370. Registered address: The AIG Building, 58 Fenchurch Street, London EC3M 4AB. Administered by American International Group UK Limited. AIG Travel provides claims handling and assistance services on behalf of American International Group UK Limited. AIG Travel is a trading name of AIG Travel EMEA Limited.

Except for Gadget cover which is administered by Bastion Insurance Services Ltd and 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.

Do I need a European Health Insurance Card (EHIC)/Global Health Insurance Card (GHIC)

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.

From 4th January 2021, if you do not have a valid EHIC you will need to apply for a GHIC but please be aware that the GHIC does not cover Switzerland, Iceland, Liechtenstein or Norway. For more information or to apply for your GHIC: online at or by telephoning 0845 606 2030.

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 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.

Can you resend my policy to me?

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.

What Coronavirus cover is provided?

You are covered for cancelling or cutting your trip short if you fall ill with COVID-19 provided you did not know you had the illness or were not in the process of being tested at the time of booking your trip. You will need supporting documentation such as correspondence and medical records from your doctor or medical practitioner.

Where eligible, you will be covered for your non-refundable costs providing that you haven’t been able to change your booking or get compensation from your tour operator, accommodation provider, airline, travel agent or other provider.

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:

  • You won’t be covered if you have to cancel or cut your trip short as a result of any travel restrictions such as a national or local lockdown or if the FCDO is advising against all (but essential) travel due to COVID-19 or any other epidemic or pandemic.
  • You also won’t be covered where you need to claim for cancelling or cutting your trip short as a result of any need to self-isolate or quarantine.
  • Any claims as a result of your airline or travel provider becoming insolvent or having an administrator appointed and being unable to provide agreed services are not covered.
  • We won't cover you if you change your mind and decide you do not want to travel.
  • You won’t be covered for any costs of COVID-19 tests prior to travelling
Can I delete the policy excess?

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 tifgroup-sales to declare a medical condition.

Am I covered for sports & activities?

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 see the activities section for full details of the activities covered.  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.

Do you have a 24-hour Medical Emergency Assistance Service?

Longstay & Backpacker Travel Insurance has a 24 hour medical emergency and repatriation service provided by AIG Travel Guard.

Tel. +44 (0) 1273 741 001.  

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.

In the event of a medical emergency whilst abroad, do I have to pay my medical bills myself?

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.

How do I make a claim?

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.

How can I pay for my policy?

You can pay by debit or credit card. We accept Mastercard and Visa.

Is your website secure?

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.

How will I receive my travel insurance policy documents?

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.

Do I need to take my policy documents with me?

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.

Can I get my money back if I want to cancel my policy?

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.

Important Information

Please note that the information below applies to policies purchased from the 22nd September 2022. For any policies purchased prior to this, you can find all of the relevant information and documents on the Longstay & Backpacker archive page.

Emergency Assistance

For Medical Emergencies:

Call the assistance company on +44 (0) 1273 741 001 24 hours a day, 7 days a week, 365 days a year, from anywhere in the world.

For non-emergency cases, visits to doctors, hospital outpatients, or pharmacies you must keep and provide us with all (original) receipts accounts and medical certificates.

Note: we will pay a maximum of £80 to your doctor for medical records/completion of a medical certificate, that have been requested by us. For cases where the assistance company were informed please provide (in addition to the above) your case number or name of the person you spoke to and a photocopy or scanned image of your EHIC/GHIC card (available if you are a UK or BFPO resident - please note if you reside in the Isle of Man or the Channel Islands you

Claims Notification

For all Sections other than Gadget cover claims form can be obtained by contacting the following:

Longstay & Backpacker Claims Team

AIG Travel Guard

2-8 Altyre Road, Croydon CR9 2LG

Telephone: 01273 741 002 (open Monday to Friday 9am-5pm)


Gadget Cover

Please notify the claims handler as soon as possible but ideally within 48 hours of your return to the UK:

Telephone: 0330 102 8698


You may also use the online claims portal:


The documents below are valid to policies purchased from the 22nd September 2022. For any policies purchased prior to this, you can find all of the relevant information and documents on the Longstay & Backpacker archive page.