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.
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,...
P J Hayman Reimagines Travel Insurance by Relaunching Travel Plus - Travel Insurance Simplified This March, leading specialist travel insurance provider P J Hayman has relaunched its core broker product, Travel Plus, to become one of the fastest, simplest and most...
P J Hayman Supports Southwick Revival Southwick Revival ‘Spirit Of D-Day’ is taking place across Saturday 6th and Sunday 7th of June to commemorate the 82 nd anniversary of D-Day. Visit the sleepy, small village of Southwick, Hampshire for this nostalgic fundraising...
Cover for many medical conditions is included, with no lengthy medical screening needed.
High Cancellation limits and Gadget cover included, with Winter Sports an optional add on.
Children can travel independently as long as anyone under 18 years of age is accompanied by a responsible adult.
Choose between a single trip policy or any number of trips over an annual-mutli trip policy.
You can choose to add on the cruise cover option to provide you with cruise specific benefits.
Travel Plus is available to people aged 75 and under, 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.
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.
Single Trip
The maximum duration of any single trip is 115 days
If travel is for longer than 115 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 33 days. However you can extend this to 45 or 60 days where you have paid the additional premium.
Please note that the following tables reflect a summary of cover available on the policy. You can find full cover details, including terms and conditions, in your policy wording.
The Cruise Cover and Winter Sports Cover are both optional add-ons, not included as standard. They will appear on your policy schedule if you have paid the extra premium.
Please use the tabs to explore different sections of cover.
There follow some commonly asked questions to give you more information about Travel Plus 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.
This insurance is only available to people who are:
We will not cover anyone who does not meet these requirements.
All children must be under the age of 18 (or 23 if still in full time education) on the date you purchase your policy. Children may travel independently from other adult insured persons. Children under the age of 18 must have the permission of their parent and/or guardian and be accompanied by a responsible adult during the trip.
Travel Plus insurance is 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.
If you already have a valid EHIC, it will continue to entitle you to reduced-cost (sometimes free) medical treatment that becomes necessary while you are in a European Economic Area (EEA) country or Switzerland. The EEA consists of the European Union (EU) countries plus Iceland, Liechtenstein and Norway. Cover will end on the expiry date of your EHIC.
• If you do not have a valid EHIC, or it is due to expire before you travel, you can apply for a GHIC. This entitles you to reduced-cost (sometimes free,) medical treatment that becomes necessary while you are in a European Union (EU) country.
• These cards only give access to state-provided medical treatment. Remember, this might not cover all the things you would expect to get free of charge from the NHS in the UK. You might have to make a contribution to the cost of your care.
• You can apply for an GHIC online at www.ghic.org.uk or by calling 0300 330 1350.
Please note:
The EHIC/GHIC do not cover the cost of:
• medical treatment in a private hospital or clinic,
• the additional cost of returning to your home country or
• for a close relative to stay or fly out to be with you.
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).
Yes. Please email us at direct.sales@pjhayman.com with your policy number (if known), the lead name and the address (for verification) and we will then resend the policy.
Your medical information and the medical questions we ask you can change, so we aren’t able to transfer your medical information to a new policy. We will need to ask you for some information again to make sure your policy is correct and valid in case you need to make a claim.
All children must be under the age of 18 (or 23 if still in full time education) on the date you purchase your policy. Children may travel independently. Children under the age of 18 must have the permission of their parent and/or guardian and be accompanied by a responsible adult during the trip.
Children/Child means your or your partner's children or grandchildren, including step-children, step- grandchildren and fostered or adopted children or grandchildren, provided that they are:
• under 18 years old on the date you purchase your policy (or under 23 if still in full time education);
• dependent on you or your partner (or in the case of grandchildren dependent on you or your partner or their parent(s));
• not married or living with their partner.
You will not be covered for claims related, in any way, to pre-existing medical conditions under: • Section 1 (Cancellation or cutting short your trip) • Section 2 (Emergency medical, repatriation and other expenses) • Section 3 (Personal accident) or • Section 15 (Cruise cover)
Unless:
A pre-existing medical condition is:
a) any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease or epilepsy for which you have ever received treatment (including surgery, tests or investigations by a medical practitioner and prescribed drugs or medication)*
b) any cancer condition in the last 5 years*
c) any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last twelve months
d) any medical condition for which you are taking prescribed drugs or medication
e) any medical condition for which you have received a terminal prognosis
f) any medical condition you are aware of but for which you have not had a diagnosis
g) any medical condition for which you are on a waiting list or have knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home*
*Unless it is an accepted condition
For trips within your home country (the country you live in the United Kingdom, Channel Islands or Isle of Man) you must have pre-booked at least one nights’ accommodation in a hotel, motel, holiday camp, bed and breakfast, holiday cottage or similar accommodation rented for a fee.
Please read the Insurance Policy for full details of cover.
If you do wish to complain, please note the 3 steps below, along with the relevant contact details for each step. However, please note, should you wish to direct your complaint directly to Lloyd's in the first instance, you may do so by using the contact information referenced in step 2 below.
Step 1:
Firstly, if your complaint is about a claim, please direct it to the relevant claims handler:
All claims (other than Gadget claims)
Roger Rich & Company Part of the Claims Consortium Group
Phone: 01608 641 351 (this is a basic rate number)
Email: travelplus@claimsconsortiumgroup.co.uk
Write to: 2a Marston House, Cromwell Park, Chipping Norton, Oxfordshire OX7 5SR
Gadget claims
Davies Group Limited
Phone: 0345 030 8135 (this is a basic rate number)
Email: - for new claims not submitted via ENOL: Valid8-GadgetAdmin@davies-group.com
for existing claims: gadgetclaims@davies-group.com
Write to: Davies Group Limited, P.O Box 2801, STOKE-ON-TRENT, ST4 9DN
If your complaint is not about a claim, please direct it to:
PJ Hayman & Company Limited
Phone: 02392 419 833 (this is a basic rate number)
Email: customerservices@pjhayman.com
Write to: Stansted House, Rowlands Castle, Hampshire PO9 6DX
Step 2:
Should you remain dissatisfied with the outcome of your complaint from P J Hayman & Company Limited, your claims handlers you may refer your complaint to Lloyd's. Lloyd's contact information is:
Complaints at Lloyd's, Fidentia House, Walter Burke Way, Chatham Maritime, Kent ME4 4RN
Tel: +44 (0)20 7327 5693
Email: complaints@lloyds.com
Website: www.lloyds.com/complaints
Details of Lloyd's complaints procedure are set out in a leaflet "Your Complaint - How We Can Help", which is available at
www.lloyds.com/complaints. Alternatively, you may ask Lloyd's for a hard copy.
Step 3:
If you remain dissatisfied after Lloyd's has considered your complaint, you may have the right to refer your complaint to an alternative dispute resolution (ADR) body.
If you live in England, Scotland, Wales or Northern Ireland, the contact information is:
Financial Ombudsman Service, Exchange Tower, London E14 9SR
Tel: 0800 0234 567 (calls to this number are free on mobile phones and landlines)
Tel: 0300 1239 123 (calls to this number cost no more than calls to 01 and 02 numbers)
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk
If you live in the Channel Islands, the contact information is:
Channel Islands Financial Ombudsman, PO Box 114, Jersey, Channel Islands JE4 9QG
Jersey: +44 (0)1534 748610
Guernsey: +44 (0)1481 722218
International +44 1534 748610
Facsimile: +44 1534 747629
Email: enquiries@ci-fo.org
Website:www.ci-fo.org
If you live in the Isle of Man, the contact information is:
Financial Services Ombudsman Scheme,
Thie Slieau Whallian, Foxdale Road, St John's, Isle of Man IM4 3AS
Tel: +44 (0) 1624 686500
Fax: +44 (0) 1624 686504
Email: ombudsman@iomoft.gov.im
Website: https://www.gov.im/oft/ombudsman/
You are not covered for any acts of terrorism
However, this exclusion does not apply to claims under section 2 (Emergency medical, repatriation and other expenses), provided:
The maximum duration of any single trip is 115 days. For trips within your home country (the country you live in the United Kingdom, Channel Islands or Isle of Man) you must have pre-booked at least one nights’ accommodation in a hotel, motel, holiday camp, bed and breakfast, holiday cottage or similar accommodation rented for a fee.
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.
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 115 days and at the time of requesting the extension, you are not intending to make a claim. An additional premium may be required.
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 33 days (extended to 45 to 60 days where you have paid the extra premium and this is shown on your policy schedule).
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 33 days (extended to 45 or 60 days where you have paid the extra premium and this is shown on your policy schedule)
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.
The policy provides up to 33 days per trip. If you require trips of 45 or 60 days you can pay an extra premium to increase the maximum trip duration. We cannot offer cover if you have exceeded the maximum trip duration as shown on your schedule.
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.
If costs are below £500 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 costs are likely to be more than £500 or you are admitted as an inpatient, then you must contact the 24-hour Medical Assistance Service as soon as possible. They will then arrange for those medical expenses covered by the policy to be paid direct to the hospital/clinic. Please refer to your policy wording for full details.
FOR IMMEDIATE HELP FROM A GP, you will be able to speak with a UK GP any time, day or night, any day of the year.
This simple and highly effective service gives you access to speak to a qualified, NHS practicing GP, 24 hours per day 7 days per week, wherever you are, at home or travelling on holiday.
This service is accessed via an app and gives you:
NOTE:
This service does not form part of your insurance cover - it is an independent service arranged through a third party.
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.
You can pay by debit or credit card. We accept Mastercard and Visa.
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.
Please note that the information below applies to policies purchased from the 17th of March 2026. For any policies purchased prior to this, please contact us.
The Travel Plus policy has a 24 hour medical emergency and repatriation service provided by:
Travel Plus – 24-hour Medical 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.
Steps to making a claim
You must contact Healix as soon as possible in the case of a serious medical emergency abroad:
When calling Healix for help, please provide the following information:
Payment for medical treatment abroad
Contact the 24-hour Medical Assistance provider immediately if you are admitted as an inpatient.
Healix Medical Assistance Services
Telephone: +44 (0) 203 869 1108
Email: internationalhealthcare@healix.com
Reporting all other claims (other than Gadget claims)
You must report any other claim as soon as possible, preferably within 31 days of any incident which might lead to a claim under this insurance.
To make a claim, please contact
Roger Rich & Company, part of the Claims Consortium Group
Telephone: +44 (0)1608 641 351 (this is a basic rate number)
Lines open Monday to Friday 9am-5.30pm
Email: travelplus@claimsconsortiumgroup.co.uk
Write to: Travel Claims, Roger Rich & Company, 2a Marston House, Cromwell Park, Chipping Norton, Oxfordshire OX7 5SR.
Reporting Gadget claims
Davies Group Limited
Telephone: 0345 030 8135 (this is a basic rate number)
Email: Valid8-GadgetAdmin@davies-group.com
Write to: Davies Group Limited, P.O.box 2801, Stoke-on-Trent, ST4 9DN
What we will need
You will need to give certain information for your claim to be assessed properly. This information will vary depending on which
section of cover you are claiming under. Examples of the types of information your claims handler will need are detailed within the Policy Document.
Please Note – scan & photocopies are acceptable, however, we do always encourage you to retain the original documentation in case we require any particular documents to be sent in for inspection or retention. Examples where this would be required are high-value claims (for prevention of fraud) where we are required to retain originals for a certain period of time.
We’ll review your claim
Whatever you’re claiming for, one of our specialist claims handlers will need to do some checks and confirm your policy’s details.
We’ll make sure that:
We might ask for more info
Sometimes, we’ll need some extra details from you to help our claim handlers make their decisions.
We’ll let you know the outcome
If your claim’s been approved, we’ll work out exactly what we’ll cover and how we’re going to settle your claim.
If you do wish to complain, please note the 3 steps below, along with the relevant contact details for each step. However, please note, should you wish to direct your complaint directly to Lloyd's in the first instance, you may do so by using the contact information referenced in step 2 below.
Step 1:
Firstly, if your complaint is about a claim, please direct it to the relevant claims handler:
All claims (other than Gadget claims)
Roger Rich & Company Part of the Claims Consortium Group
Phone: 01608 641 351 (this is a basic rate number)
Email: travelplus@claimsconsortiumgroup.co.uk
Write to: 2a Marston House, Cromwell Park, Chipping Norton, Oxfordshire OX7 5SR
Gadget claims
Davies Group Limited
Phone: 0345 030 8135 (this is a basic rate number)
Email:
-for new claims not submitted via ENOL: Valid8-GadgetAdmin@davies-group.com
-for existing claims: gadgetclaims@davies-group.com
Write to: Davies Group Limited, P.O. Box 2801, Stoke-on-Trent, ST4 9DN
If your complaint is not about a claim, please direct it to:
PJ Hayman & Company Limited
Phone: 02392 419 833 (this is a basic rate number)
Email: customerservices@pjhayman.com
Write to: Stansted House, Rowlands Castle, Hampshire PO9 6DX
Step 2:
Should you remain dissatisfied with the outcome of your complaint from P J Hayman & Company Limited, your claims handlers you may refer your complaint to Lloyd's. Lloyd's contact information is:
Complaints at Lloyd's, Fidentia House, Walter Burke Way, Chatham Maritime, Kent ME4 4RN
Tel: +44 (0)20 7327 5693
Email: complaints@lloyds.com
Website: www.lloyds.com/complaints
Details of Lloyd's complaints procedure are set out in a leaflet "Your Complaint - How We Can Help", which is available at
www.lloyds.com/complaints. Alternatively, you may ask Lloyd's for a hard copy.
Step 3:
If you remain dissatisfied after Lloyd's has considered your complaint, you may have the right to refer your complaint to an alternative dispute resolution (ADR) body.
If you live in England, Scotland, Wales or Northern Ireland, the contact information is:
Financial Ombudsman Service, Exchange Tower, London E14 9SR
Tel: 0800 0234 567 (calls to this number are free on mobile phones and landlines)
Tel: 0300 1239 123 (calls to this number cost no more than calls to 01 and 02 numbers)
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk
If you live in the Channel Islands, the contact information is:
Channel Islands Financial Ombudsman, PO Box 114, Jersey, Channel Islands JE4 9QG
Jersey: +44 (0)1534 748610
Guernsey: +44 (0)1481 722218
International +44 1534 748610
Facsimile: +44 1534 747629
Email: enquiries@ci-fo.org
Website:www.ci-fo.org
If you live in the Isle of Man, the contact information is:
Financial Services Ombudsman Scheme,
Thie Slieau Whallian, Foxdale Road, St John's, Isle of Man IM4 3AS
Tel: +44 (0) 1624 686500
Fax: +44 (0) 1624 686504
Email: ombudsman@iomoft.gov.im
Website: https://www.gov.im/oft/ombudsman/
Please note that the information below applies to policies purchased from the 17th of March 2026. For any policies purchased prior to this, please contact us.
