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.
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Longstay & Backpacker Travel Insurance is a specialist policy that is different to standard holiday insurance. It’s a tailored travel insurance policy for long, extended trips.
Not only is Longstay & Backpacker geared to those travelling for lengths of up to 18 months, who:
It also offers more coverage than other providers!
… and much more!
Longstay and Backpacker offers three levels of cover as follows:
• Standard – for travellers up to age 39 including core cover.
• Longstay – with extra levels of cover including departure delay, legal and gadget cover.
• Longstay Plus – like Longstay but with higher cover levels.
Plus, three extra activity packs, excess waiver and a study or work placement abroad extension are available too.
100 activities are included free of charge with activity pack one.
Many of the activities and occupations sought out during a gap year are covered on each policy. For example: diving, skiing, abseiling and the most popular activities with acceptable levels of risk. Cover for these is vital for young travellers, who tend to be quite spontaneous and look for new experiences.
For even more adventures, there are two further tiers of activity packs available. These cover many sports and occupations – over and above the standard ones – such as winter sports and ski resort occupations. This cover is invaluable. particularly for young travellers, who wish to work during a gap year to top up funds or to try an activity they wouldn’t normally have access to. Plus, family and friends at home have peace of mind knowing there’s appropriate activity cover in place!
If an activity does not appear in the Longstay & Backpacker policy speak to our team of travel insurance specialists who can suggest other cover.
Typically, when a traveller returns home, their travel insurance stops. However, travellers may wish to come home for Christmas or Easter to spend the holidays with family. Otherwise, a family wedding, christening, graduation or similar must-attend celebration can fall during an extended trip. Many travellers will see such occasions as unmissable; just as long as they can pick up their adventures where they left off again afterwards!
Most specialist extended trip policies will allow one return home, regardless of the length of travels. However, Longstay & Backpacker is more generous. The standard cover allows two return visits home. At the top level of cover this increases to four.
Also, the length of each return trip is ample. On Standard or Longstay cover the trips can be up to 21 days in duration and on Longstay Plus these can be up to 31 days. While competitor policies tend to be limited to one or two weeks.
Most people travel with some form of gadget, whether it’s a phone, tablet or smart watch, or of course a camera and additional lenses. These are very important for the modern traveller, as they wish to keep in touch with family back home, capture memories, research and book elements of their trip on the go and of course, share their experiences on social media.
Standard mobile phone cover or contents cover will typically run out after 60 days outside of the home country. However, with Longstay & Backpacker, gadget cover is valid for the entire trip, so those all-important devices are protected.
In line with the rest of P J Hayman products, Longstay & Backpacker includes an extensive amount of cover. It is designed to include all the things that travellers are likely to need, at a reasonable cost.
In addition to cancellation cover, there are several key features that make it ideal for extended trips. Emergency Medical cover is provided up to £5m. This is very important when travelling overseas, particularly to countries like the United States and the Far East, when emergency medical costs can be expensive.
When travelling long-haul it is common for there to be some sort of stopover between connecting flights. For example, when flying to New Zealand via LA or Singapore. With Longstay Backpacker cover is included for ‘stop-overs’ of up to seven days maximum.
For medical assistance Healix Medical Assistance Services can be contacted in an emergency all year round.
Longstay & Backpacker is intended for independent travel and is ideal for solo travellers and couples.
P J Hayman’s policies are priced competitively while providing a broad range of cover. With three tiers of cover, Longstay & Backpacker has options to suit most travellers’ needs. Additionally, the correct level of activity cover can be added, along with cover for tuition fees in a study or work abroad placement.
Gap years may commonly be perceived as the pursuit of younger age groups. However, this is no longer the case, with people increasingly considering a gap year or sabbatical in later life. The coronavirus pandemic accelerated this as many sought respite for several years of travel frustration.
Finding travel insurance for such trips can be troublesome, with most standard travel insurance policies capping trip durations at 31 or 45 days. Many further reduce these for older age groups or decline cover for them entirely.
Longstay & Backpacker is the ideal policy for anyone participating in a gap year or extended trip, up to age 75 in Europe and 69 for worldwide destinations.
With efficient services and great value, the following cover is also included, as standard:
For details about exclusions, limits and what’s covered, download and read the policy in full or refer to the Longstay & Backpacker product page.
For cruises, family vacations or more expensive trips, our Free Spirit or Travel Plus policies are likely to be a better fit. However, the Top Up My Cover policy can extend cancellation cover up to £20,000 per person. Great for travellers who wish to push the boat out further on their travels.
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