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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Travel warnings are what we listen out for at P J Hayman because our mission is to give you the freedom to travel, with confidence! In response, we like to share emerging travel advice. From listening to travel warnings and your feedback, we can continue to innovate our travel insurance policies and services.
It is of paramount importance that you make yourself aware of the risks, warnings, and challenges that can occur before or during a trip, as well as researching the Government guidance you should pay attention to.
Although our desire to travel remains strong (despite the cost), our optimism is masking real, rising risks. Our chances of experiencing an incident are increasing. So, it’s important to pay attention to travel warnings and risks…
Current and unforeseen global conflicts have the potential to disrupt a holiday before we leave home, these include:
To find out more information on current travel warnings before booking a break or leaving home, visit the Foreign, Commonwealth & Development Office (FCDO) website or follow the FCDO on Facebook for up-to-date travel advice about the country you’re visiting.
The FCDO also shares travel advice on entry requirements, vaccine considerations, and pinpoint safety advisories regarding political instability to natural disasters.
While not necessarily involved in regional conflicts, it’s still important to be mindful when visiting Turkey, Cyprus, Egypt and Morocco, which sit near regional tensions.
However, if you need to travel against FCDO advice and require a travel insurance solution that covers bespoke high risks, contact our team of travel insurance experts.
While travelling, we need to be wary too. For instance, in the last year, a UK traveller experiencing a reported incident has gone from one in 263 to one in 217 (Travel Behaviour Risk Index 2025).
While we don’t have these in mind when planning a trip, here are six examples of the unforeseen risks that could present challenges while abroad.
Heatwaves across most of Europe are becoming more frequent and are lasting longer. Usually followed by storms and hurricanes, natural disasters can cause travel disruption, alter our itineraries, and some activities may be cancelled altogether. While we are at risk of suffering from dehydration, heat exhaustion and cardiovascular stress. Those already living with medical conditions may see their symptoms worsen or become aggravated.
It’s therefore advisable to take out travel insurance that provides cover for medical conditions and medical emergencies, such as Free Spirit. Also, many policies will include a form of natural disaster or catastrophe cover to pay for cancellation and curtailment costs, plus additional costs and any travel or accommodation costs needed.
At P J Hayman, we believe that everyone should have the freedom to travel, with confidence but don’t be blind to the risks. Being overconfident when swimming in foreign waters can expose you to unseen risks. These include destinations with strong rip currents or coastlines where waves are larger than you’re used to.
Swimming is one of many activities we provide cover for on most of our polices (Free Spirit, Travel Plus, Adventures, Longstay & Backpacker). However, don’t take unnecessary risks and know your limits. Whether you’re on water or dry land, take safety precautions before and during your trip.
Take care to research the risks associated with any activities you wish to experience on holiday and then ensure you book with an operator who follows strict safety standards – check they can demonstrate their safety processes. Observe all safety advice and use/wear the correct clothing and equipment provided. For help, view the FCDO’s activity checklist.
While it’s important to take out adequate activity travel insurance, such as Adventures, make sure your policy includes both repatriation cover and medical expenses. This will provide cover for the costs of an air ambulance and transportation home. Especially useful if you’re far from the nearest hospital and require emergency medical treatment. Find yourself in a medical emergency aboard? Refer to our guide to get care as quickly as possible.
Travelling can boost our mental well-being in many ways. Ensure you have enough before leaving home, so it’s unlikely to run out. Make sure you have a dedicated support network at home, who you can contact should you get into any difficulties. Either way, if your mental health deteriorates and you face a crisis or manic episode, you may find there is no mental health support available. If you wish to receive help, contact the British Embassy, which works closely with FCDO Travel Care Teams, such as Gatwick Travel Care, Heathrow Travel Care, Luton and Manchester.
Often visiting the airport during the week, each travel care team is made up of social workers who work alongside their colleagues at British Embassies to look after British Nationals overseas who want mental health support. However, to receive this service abroad (or on your return), you must have travel insurance in place, for them to be happy to help. The travel care teams will then offer solutions after assessments abroad or after arriving at the airport. The travel care teams can also provide support if you’ve been a victim of crime, harassment or sexual assault…
There is always the worry about the risks of harassment, discrimination and sexual assault, particularly if you are a solo traveller. It’s recommended that you read up on a country’s social and cultural norms before leaving home to become more confident about a country’s culture and beliefs.
When travelling, refer to a real-time travel app hosted by an assistance company which will provide you with further reassurance. With regards to travel insurance, if you’re harassed, assaulted and require emergency medical care, treatment will be included if your policy includes emergency medical expenses.
You may be aware of what foods agree with you and which don’t. However, unfamiliar cuisine may include unknown ingredients that may trigger allergic reactions.
Starting to question the cost of your travel insurance policy? It’s worth remembering that it will be a relatively low cost when compared to the price of medical treatment abroad. Your premium may even be equal to the cost of your first hour of emergency medical treatment if you don’t take out a policy. With our Travel Plus policy, a GP on Demand consultation service is included. This is invaluable if you want to speak with a qualified NHS practising GP for any concern you may have. Call them 24/7 for peace of mind!
Also, we recommend taking out a Global Health Insurance Card (GHIC card), to ensure you recieve state-provided healthcare in qualifying countries when you can’t reasonably wait until you’re back in the UK for treatment, although your treatment abroad with a GHIC will be at a reduced cost – not free.
Despite travel warnings and risks, P J Hayman can provide you with a range of travel insurance products to cover unforeseen events. If the unlikely happens, ensure you have your travel insurance documents and policy number to hand.
Discover what our travel insurance products cover to travel, with confidence.
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