Free Spirit

For travellers of any age with medical conditions.

Travel Plus

Travel Insurance that gives you more.

Adventures

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.

Staycationplan

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.

Reviews

Happy customers are are the heart of everything we do.

Awards

Our work has been recognised in some prestigious awards.

Our Team

The people who make P J Hayman what it is.

Contact

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

Free Spirit’s 5 Star Rating

Free Spirit’s 5 Star Rating

Free Spirit Super Duper has again achieved a 5-star rating from defaqto, making it the 7th year in a row we have had the rating. Who is defaqto? You may be familiar with defaqto and defaqto Star...

travel trends blog image

Top Travel Trends for 2024

This is the time of year when many speculate what may shape the travel industry in the coming year. We tend to read, listen to, and discuss a wide range of industry figures, so we've put together...

Travel Plus

Travel Insurance that offers more

Key Features

Medical Conditions Covered

Subject to a medical screening, Travel Plus can cover the majority of medical conditions.

A Very Wide Range of Cover

With high Cancellation limits, cover for Gadgets, Extended Journey Disruption and Winter Sports included in annual multi-trip policies, Travel Plus offers a great range of cover.

Children Can Travel Independently

Children can travel independently from the insured adults, as long as anyone under 18 years of age is accompanied by a responsible adult.

Single and Annual Policies

Choose between a single trip or any number of trips over an annual period.

Cruise cover

To be covered for a cruise holiday you must purchase Cruise Cover – section P. Cruise Cover is included on Annual Multi-trip policies (additional cost for Single trip policies).

Travel Plus provides wide-ranging cover for individuals, couples, and families, giving you peace of mind and protection both before and during your holiday/trip.

You can choose from 2 levels of cover – Premier, and Premier Plus. On each, gadget cover and end supplier failure are included as standard. Additionally, children up to 18 can travel independently.

If you need emergency medical assistance while travelling and you face unforeseen healthcare costs, Travel Plus will provide up to £10,000,000 to assist.

Also, you have COVID Curtailment and Cancellation Cover if you’re taken ill with Coronavirus.

On the other hand, if you’re still waiting for your belongings post arrival, Travel Plus provides up to £3,000 for baggage cover.

Call us for more details on 02392 419 044 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.

Travel Plus offers the choice of two distinct cover levels: Premier and Premier Plus. In each, cover is structured in sections A to P. Sections O and P are additional levels of cover, available as standard on Annual Multi-trip policies, or an option on Single Trip policies, subject to an additional premium.

Please use the tabs to explore different sections of cover.

Premier cover
Limit
Excess
per person
Premier Plus
cover limit
Excess
per person
A - Cancellation
£5,000
£75
£10,000
£50
B1 - Emergency Medical & Associated Expenses
£10m
£75
£10m
£50
 Emergency dental treatment
£500
£500
 Kennel & cattery costs
£500
£500
B2 - Cover at home following hospitalisation abroad
 Home help
£1,000
Nil
£1,000
Nil
C - Overseas Hospital Benefit
£500 (£25 per 24 hours)
Nil
£2,000 (£100 per 24 hours)
Nil
D - Curtailment
£5,000
£75
£10,000
£50
E - Personal Possessions
£2,000
£75
£3,000
£50
 Single article, pair or set limit
£400
£500
 Valuable limit
£600
£750
Possessions delayed in transit
£150 (over 8 hours)
Nil
£500 (over 8 hours)
Nil
Sports equipment limit
£300
£75
£750
£50
Premier cover
Limit
Excess
per person
Premier Plus
cover limit
Excess
per person
F - Personal Money, Passport & Travel Documents
£750
£75
£1,500
£50
 Cash limit
£350
£750
Loss of Passport
£300
Nil
£500
Nil
G - Personal Accident
Death
£10,000
Nil
£30,000
Nil
Loss of limb / loss of sight
£15,000
Nil
£30,000
Nil
Permanent total disability
£15,000
Nil
£30,000
Nil
Burial or cremation costs
£3,500
Nil
£3,500
Nil
H - Personal Liability
£2m
£75
£2m
£50
I - Extended Journey Disruption
£5,000
Nil
£5,000
Nil
Premier cover
Limit
Excess
per person
Premier Plus
cover limit
Excess
per person
J - Delayed Departure (after 10 hours delay)
£100 (£25 per 10 hours delay)
Nil
£500 (£100 per 10 hours delay)
Nil
or
Trip Abandonment (after 10 hours delay)
£5,000
£75
£10,000
£50
K - Missed Departure / Missed Connection
£750
Nil
£1,500
Nil
L - Travel Risks
Hijack / Kidnap
£2,500 (£100 per 24 hours)
Nil
£10,000 (£500 per 24 hours)
Nil
Mugging
£250 (one-off payment)
Nil
£1,000 (one-off payment)
Nil
Natural Disaster
£750
Nil
£1,500
Nil
M - Legal Advice & Expenses
£25,000 (£50,000 policy max.)
Nil
£50,000 (£100,000 policy max.)
Nil
N - Gadget Cover
£1,000
£50
£1,500
£50
Premier cover
limit
Excess
per person
Premier Plus
cover limit
Excess
per person
Winter Sports
Own Ski Equipment
£500
£75
£1,000
£50
 Single Article, pair or set limit
£300
£500
Hired Ski Equipment loss / damage
£150
Nil
£300
Nil
Ski Equipment Delayed in Transit
£100 (over 8 hours)
Nil
£200 (over 8 hours)
Nil
Loss of Ski Pack
£250
Nil
£500
Nil
Avalanche / Weather Delay
£200
Nil
£400
Nil
Piste Closure
£250 (£25 per 24 hours)
Nil
£500 (£50 per 24 hours)
Nil
Premier cover
limit
Excess
per person
Premier Plus
cover limit
Excess
per person
Cruise Cover
Missed Embarkation
£750
Nil
£1,500
Nil
Formal Cruise Attire
£1,500
£75
£2,500
£50
Formal Cruise Attire Delayed in Transit
£250 (over 8 hours)
Nil
£500 (over 8 hours)
Nil
Cruise Itinerary Changes
£500 (£50 each missed port)
Nil
£1,000 (£100 each missed port)
Nil
Additional Emergency Medical Assistance & Expenses:
Ship to Shore Repatriation
£100,000
£75
£100,000
£50
On-board Medical Fees
£250,000
£75
£250,000
£50
Unused Excursions
£250
Nil
£500
Nil
Cabin Confinement
£500 (£50 per 24 hours)
Nil
£1,000 (£100 per 24 hours)
Nil

Eligibility & Restrictions

Eligibility

Travel Plus is available to people of any age, resident in the United Kingdom (England, Wales, Scotland and Northern Ireland), the Channel Islands, the Isle of Man, or for members of the British Armed Forces.

At the date of purchase, all named on the policy must be aged 75 or under. Children must be under 18 or 23 if in full time education.

To be eligible for a policy all persons travelling should be fit to travel and not be travelling against advice of a doctor.

We cannot support claims for unaccompanied children.

Age Limits

On the date of purchase all named on the policy must be aged 75 or under.

For over-75s, our Free Spirit policy offers a wide range of cover and high limits for travellers of any age. Visit the Free Spirit page to find out more.

Trip Limits

Single Trip

The maximum duration of any single trip is 94 days

If travel is for longer than 94 days, our Longstay & Backpacker product can cover trips of up to 18 months. Please visit the Longstay & Backpacker page to find out more.

Annual Trip

Annual Multi-trip policies allow an unlimited number of trips during the term of the cover.

Each trip is limited to:

  • 35 days on a Premium policy, and;
  • 60 days on a Premier Plus policy.

Frequently Asked Questions

There follow some commonly asked questions to give you more information about Free Spirit 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.

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

General
Single Trip
Annual Multi-trip
Medical Assistance and Claims
Buying Online
Coronavirus Protection
Who are the Insurers?

Cover Sections A-M and Cover Sections O & P

These sections of the insurance are 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.

Cover Section N – Gadget Cover

This section of the insurance 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.

Please see the Insurance Policy for full Insurer details.

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 www.dh.gov.uk/travellers 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.

Are there countries that are not covered?

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).

Can you resend my policy to me?

Yes. Please email us at contact@travelpluscover.co.uk with your policy number (if known), the lead name and the address (for verification) and we will then resend the policy.

Is there an age limit?

You must be: 75 years or under on the date you purchase your policy.

If you are aged over 75, please call us on 02392 419 044. Alternatively, you can get a quote online via our Free Spirit product that has no upper age limit.

What is the maximum duration?

The maximum duration of any single trip is 94 days. 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.

Can I extend my policy if I decide to stay longer?

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 94 days and at the time of requesting the extension, you are not intending to make a claim. An additional premium may be required.

What are the advantages of Annual Multi-trip travel insurance?

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 35 days on Premier or 60 days on Premier Plus (35 days if you are aged 70 years or over on the date the cover commences).

Do you cover Winter Sports holidays?

Cover for Winter Sports can be included for an additional premium. For details, see the summary of cover under section O.

Is there an age limit?

75 years or under on the date cover commences for either Premier or Premier Plus cover.

If you are aged over 75 and require Annual Multi-trip cover, please call us on 02392 419 044.  Alternatively, you can get a quote online via our Free Spirit product that has no upper age limit.

How many times can I travel and how long can each trip be?

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 35 days on Premier or 60 days on Premier Plus (35 days if you are aged 70 years and over on the date cover commences).

Under an Annual Multi-trip policy, can children travel independently of an insured adult?

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.

What are the advantages of Annual Multi-trip travel insurance?

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 35 days on Premier or 60 days on Premier Plus (35 days if you are aged 70 years or over on the date the cover commences).

Do you cover Winter Sports holidays?

Winter Sports cover is included automatically on Premier (up to a maximum of 21 days in any one period of insurance) and Premier Plus (up to a maximum of 45 days in any one period of insurance). For details, see the summary of cover under section O.

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

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.

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. If you are admitted as an inpatient, then you must contact the 24-hour Medical Emergency Service as soon as possible. They will then arrange for those medical expenses covered by the policy to be paid directly to the hospital/clinic. Please refer to your policy wording for full details.

How do I make a claim?

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.

Please refer to the Insurance Policy.

How quickly will you settle my claim?

We aim to provide a first-class claims service and respond within 5 working days of receipt of correspondence.

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.

Am I covered for Coronavirus?

Cover is provided under Section B1 - Emergency Medical & Associated Expenses or Section D - Curtailment/Loss of Holiday or Section P – Cruise Cover (Event D – Additional Emergency Medical Assistance and Expenses).

We will also provide cover under Section A - Cancellation if you are forced to cancel your trip before the start date because you became ill with an infectious or contagious disease, including contracting Coronavirus.

Please read the information contained under "Coronavirus cover" towards the end of Section A - Cancellation and Section D - Curtailment/Loss of Holiday for full details of the cover provided under these sections of cover please see your Policy Document.

What is covered with Coronavirus Cancellation Cover?

If you become ill following a positive diagnosis of Coronavirus and you are forced to cancel your trip, the insurance provides cover for any unrecoverable costs if you are unable to travel to or enter any country because you have tested positive for Coronavirus and are unable to demonstrate that you are symptom free or have tested negative for Coronavirus. This cover is only provided where you were travelling to a country which requires evidence of a negative test for Coronavirus prior to travelling to or entering the country.

There is no cover under this insurance:

• For unrecoverable costs unless you provide evidence that you have been unable to travel to or enter any country because you have tested positive for Coronavirus.

You must provide the result of a test carried out by a testing provider who has self-certified as meeting the UK Government's minimum standards for general population testing services.

You can find a list of such providers at: https://www.gov.uk/government/publications/list-of-private-providers-of-coronavirus- testing/

• For any unrecoverable costs if you are unable to provide evidence from a doctor confirming that you have contracted Coronavirus;

• If you cancelled your trip because:

- you chose to quarantine or isolate as a result of exposure to an infectious or contagious disease including Coronavirus; or

- you simply did not want to travel or had a fear of travelling.

What cover is available if I contract Coronavirus whilst travelling?

If at any time during your trip, you become ill following a positive diagnosis of Coronavirus and you are forced to curtail your trip before completion, the insurance provides cover for any unrecoverable costs, any other pre-paid charges which you have paid or are contracted to pay, and any additional travel expenses incurred.

There is no cover under this insurance for any recoverable costs, any other pre-paid charges which you have paid or are contracted to pay, and any additional travel expenses incurred, if you are unable to provide evidence from a doctor confirming that you have contracted Coronavirus.

Important Information

Please note that the information below applies to policies purchased from the 26th June 2023. For any policies purchased prior to this, you can find all of the relevant information and documents on the Travel Plus archive page.

Emergency Assistance

Healix Medical Assistance Services are available on +44 (0) 203 869 1108. Their email is internationalhealthcare@healix.com.

When contacting them, please quote 'Travel Plus Insurance'.

The service is open 24 hours a day, 365 days a year. The call operators are highly trained and can advise on all aspects of assistance, making arrangements for hospital admission, repatriation and medical expenses.

Each operator is a medical specialist who can liaise with doctors and arrange repatriation if medically necessary.

Please have the following information available when you (or someone on your behalf) contact the Medical Emergency Assistance Company so that your case can be dealt with swiftly and efficiently:

• Your name and address;
• Your contact phone number abroad including the hospital and treating doctor's details;
• Your policy number shown on your Policy Schedule; and
• The name, address and contact phone number of your GP.

Claims Notification

Cover Sections A-M and Cover Section O:

Please contact the claims handler within 31 days of returning home:

Travel Claims,
Roger Rich & Company,
2a Marston House,
Cromwell Park,
Chipping Norton,
Oxfordshire OX7 5SR

Telephone: +44 (0)1608 641 351
Email: claims@rogerrich.co.uk

Gadget Cover (Section N):

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

Telephone: 0330 102 8698

Email: gadgetclaims@davies-group.com

You may also use the online claims portal: https://bastion.davies-group.com.

Documents

Please note that the documents below are valid to policies purchased from the 26th June 2023. For any policies purchased prior to this, you can find all of the relevant information and documents on the Travel Plus archive page.