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,...
Natural disasters such as wildfires, earthquakes, and floods show no signs of lessening because of human-caused global warming and climate change. Whatever your thoughts on the subject what we should note is the number of natural disasters that are on the rise each year. The top three natural disasters in 2022 were floods, storms, and earthquakes.
Over time, we’ve learned where and when different types of natural disasters take place. For example, earthquakes and volcanic eruptions occur around the rim of the Pacific Ocean (the Ring of Fire). Also, hurricanes and tropical storms not only arise across the Southern Atlantic Ocean and Caribbean Sea. They occur during hurricane season between June – November. So, it’s advisable to travel in a different direction. However, if your U-Turn takes you to a Greek Island, Italy, Spain, or Turkey during the summer holidays you may be confronted with a heatwave.
Today, scientists forecast that the record-breaking heatwaves experienced this July in Southern Europe will become the norm for summer -by 2035- for future years to come. Sadly, as extreme temperatures in Europe arise in naturally dry environments there is a higher chance of wildfires taking place.
In response, sun worshipers should take precautions. People 65+ living with medication conditions – or not – should consider cooler destinations like the beautiful beaches in the Baltics. Also, we should all refer to the Foreign, Commonwealth and Development Office (FCDO) website for up-to-date travel advice, to pinpoint a suitable holiday destination. Contacting our tour operator when a natural disaster appears is another wise move before we leave home.
On balance, as the planet heats up and the number of natural disasters increases, we need to know which travel insurance policies can give us the freedom to travel, with confidence.
Disinclination to travel would not be covered. However, booking package holidays and last-minuet trips do have benefits…
Package holidays
The tour operator you booked a package holiday with will deal with ‘package’ travellers’ costs. Whether the holiday was booked in advance or last minute, all-inclusive holidays and package trips provide legal protection.
If you did book a last-minute holiday with a flexible airline/tour operator any ‘flexi flights’ or ‘open tickets’ purchased can be altered because they allow you to make changes or cancellations post-purchase. Although, do check if there is a small fee to pay.
Plus, the travel operator will know what last-minute holidays are still available to replace the original holiday. Regarding travel insurance, you may be able to change the dates and destinations on a single trip policy – if no claim was made – after booking a new trip.
Independent travellers
Independent travellers might be faced with costs if their hotels and transportation were booked separately – if they’re not picked up by the local authority or tour operators. This may be because the flights are still running, and the accommodation is still open for visitors.
Many policies include some form of natural disaster/catastrophe cover.
Each policy will vary, but many are likely to pick up the following:
From referring to the policy wordings for P J Hayman’s Travel Plus and Free Spirit products a natural disaster is an event such as:
Travel Risks (section L) cover:
Cancellation & Curtailment Cover (sections A & D) under both policies:
Unrecoverable costs are covered – if you’re forced to cancel your trip before it starts or curtail your trip after you left because the following happens, which could not have been foreseen:
Extended Journey Disruption Cover (section I) if any of the following happens:
You’ve had to move to other accommodation on arrival or at any other time during the trip because you can’t use your booked accommodation due to a natural disaster, landslide, or an outbreak of food poisoning.
Travel Plus (Premier & Premier Plus) and Free Spirit (Super Duper) policy will pay up to £1,000 for additional accommodation (room only) and transport costs that incurred up to the standard of your original booking, which you cannot recover from any other source.
Medical Emergencies Caused by Natural Disasters
Whichever policy you hold, if you need medical assistance due to a natural disaster, call the emergency telephone number with the policy wording.
Travel Plus is a unique policy that offers more!
Find all the features and cover levels on a Travel Plus policy.
Read the policy wording in full.
Free Spirit is designed for people living with medical conditions and disabilities.
Discover all the benefits and view the cover levels with a Free Spirit policy.
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