What Happens If You Travel Underinsured? 5.8 million Brits intentionally left for their holidays underinsured, without medical cover in place this summer. Were you one of them? While our understanding of travel insurance may not be as strong as our knowledge of the...
The Retirement Planning Guide – Travel Insurance
Discover P J Hayman’s Top Products
P J Hayman is a travel insurance specialist that aims to give people the confidence to travel without worry. P J Hayman is happy to share its innovative product range with readers of The Retirment Guide Online who seek suitable insurance for their holidays. Use code ONLINE10 for your exclusive 10% off…
Top Up My Cover Cancellation
Cancellation cover to ‘top-up’ existing policies
Top Up My Cover (TUMC) is a unique flexible policy that provides cancellation insurance for luxury trips for that “trip of a lifetime”. Top up available for ANY existing travel insurance policy.
key features
- Cover of up to £50,000 per person, £100,000 per policy
- Simple cover process
- Cover for all destinations and any duration
- No medical screening
- Available to travellers up to 85 years old
- Tops up ANY existing travel insurance policy
Free Spirit
For travellers of any age with medical conditions.
Are you looking for travel insurance to cover a medical condition, disability, or rare illness? Free Spirit Travel Insurance was the first of its kind to provide cover for all ages and medical conditions.
key features
- Medical conditions and disability cover
- Terminal conditions considered
- Cruise cover option
- Cover for travellers of any age
- Single trip cover up to 115 days
- Single and annual policies available



