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.
Longstay & Gap Year Travel Insurance For Extended Trips Longstay & Gap Year 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 &...
Why Do I Need Travel Insurance For A UK Staycation? Jumped on the UK staycation trend for 2026? Holiday Park Operators have shared that summer bookings have jumped by over 30% compared to 2025. This may be due to the increased threat of flight cancellations or delays...
How Travel Insurance Faces Crime due to Overtourism You may have heard the term overtourism, but should you be worried about it when you go on holiday? We are going to look at the ways overtourism might affect you, what steps you can take and how your travel insurance...
A common question we are asked is when should I start my Travel Insurance policy? The answer depends on whether you have a single or annual policy, but you should try to take out insurance as soon as you book your trip (ASAYB). Let’s look at some of the reasons you should be taking out insurance as soon as possible…
Travelers often think that they have adequate travel insurance with a GHIC (global health insurance card, formally EHIC). However, these cards only entitle you to the same health care that the locals receive in the country you’re in. In some cases, this means free treatment, but sometimes you do still have to pay. It’s important to take out appropriate travel insurance to cover for any unexpected, additional costs. It will also help protect you if you have to cancel the trip or stay longer, something the GHIC won’t cover.
Another common misconception is that you are adequately covered with your bank’s travel insurance. If for example you are going on an adventurous holiday, most standard bank insurance doesn’t cover unusual activities. Bank and other benefit packaged travel insurance policies often offer basic cover limits. If your trip is expensive, it may not be fully protected. Finally, a very common issue, is that they do not cover medical conditions. If you have pre-existing medical conditions, you should look at a specialist travel insurance to cover you for any unforeseen illness, and anything related to your pe-existing conditions.
Another common question is whether it’s most cost-effective to cover anything that may come up yourself. In 2024, the government found some average claim costs to show how much medical treatment abroad may cost. For example, falling and breaking your leg in Spain can cost you around £25,000. While having a stomach bug and needing hospital treatment in the USA can cost you over £150,000. It’s hard to imagine medical bills going that high, but it’s better to be safe than sorry. Plus, travel insurance covers you for cancellation, costs incurred if you have to stay abroad for medical reasons and much more.
For a single trip policy, you can usually take these out up to a year in advance. When getting a quote, input the dates of your trip and you will be covered from when you take out the insurance to when you return. This means if you have only paid a deposit, you will continue to be covered as you pay further instalments. Another thing to consider is that this can contribute to the cost of your policy. If your trip is in a year’s time, this will be more expensive than insuring a trip that’s only a week away. This is simply because you have more time on cover.
Annual multi-trip policies are slightly different. For these policies, the start date you select is the actual date the cover starts. Normally you can start annual policies up to 31 days in advance. If you choose not to start the policy for two weeks after buying, you will not be covered for anything that happens between taking out the policy and the start date. If for example you have a trip booked and paid for and you are no longer able to attend due to illness, you will not be covered if your policy has not started yet. Whereas if you start the policy when you take out the insurance, you will have cover.
If you have a change to your health after taking out a policy, you should check your policy documents to see what you need to do. If your policy has an ongoing health warranty like our Free Spirit policy, you will need to make us aware. It may be we need to update the policy to ensure you continue to have full cover, or in some cases we can just make note of your changes. Whatever it is, you should inform your insurer to ensure your policy stays valid.
There are many reasons to take out travel insurance, so don’t leave it to the last minute. We have several different policies so have a look at our selection and find the one that suits you. Taking out travel insurance is simple, our Travel Plus policy is a quick and easy policy that can give you a quote in minutes – why not take out peace of mind today?
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