P J Hayman & Company Ltd
Travel Insurance & Scheme Specialists

Celebrating 25 Years


Free Spirit

FREE SPIRIT

Specialist travel insurance for people with medical conditions & no age limits

KEY FEATURES

  • COVID-19 cover included for Cancellation and Emergency Expenses – click here for more details.
  • No upper age limit on Single Trip and Annual Multi-trip
  • Cover for most existing medical conditions
  • Terminal cases considered – call us on 02392 419 865
  • ‘Super Duper’ level of cover is rated 5 Star by Defaqto
  • Cancellation or Curtailment/Loss of holiday cover up to £5,000 (Super Duper cover) and £2,500 (Super cover)
  • Over 100 activities included free & additional activity packs available
  • Travelling companions also covered
  • Extended Journey Disruption*
  • End Supplier Failure Insurance*
  • Gadget Cover
  • Cover for medical aids & medications
  • Excess Waiver (option to remove the standard policy excess)
  • 24 hours a day, 7 days a week Emergency Helpline
  • Dedicated customer services team

SPECIAL FEATURES

Extended COVID-19 cover
Provides cover if an insured person has to cancel their trip due to being taken ill with or testing positive for COVID-19. Also, if this occurs abroad, cover is included for necessary emergency medical and repatriation expenses. Note – There is no cover if the insured travels against government or other regulatory authority (i.e. The Foreign and Commonwealth Office (FCO) advice.

Extended Journey Disruption*
Provides cover if you have to cancel (up to £3,000) or incur additional expenses (up to £1,000) as a result of disruption caused by a natural disaster such as a volcanic eruption. Cover applies if you book individual elements of your trip separately.

End Supplier Failure Insurance*
Cover up to £2,500 for irrecoverable costs if an independent travel or accommodation provider becomes insolvent.

* included with Super Duper cover only

Gadget Cover

Cover is provided for theft; accidental damage; loss; breakdown and unauthorised call/data use for your gadgets including: handheld consumer electronic devices such as mobile phones, tablets, iPads, kindles, satnavs, cameras, lenses, camcorders, smart watches, smart glasses, head mounted displays, hand held games consoles, portable DVD players, headphones, wireless speakers, MP3 players and iPods – but not laptop computers, purchased as new or, in the case of refurbished items, not purchased directly from the manufacturer or network provider in the UK; that is no more than 48 months old at the start date of your trip.

After care cover at home following hospitalisation abroad
Includes costs for home help, physiotherapy, cosmetic surgery and dental costs after you have returned home.

Convalescence benefit
Provides up to £750 towards the cost of a convalescence trip in the United Kingdom to help you recuperate if you have been hospitalised abroad for more than 5 days.

Activities

Over 100 activities are included as standard; additional activity packs are also available for an additional premium. Please note that selecting each additional activity pack will have an impact on the excess, and on other areas of cover. For full details, see the Free Spirit website.

DESIGNED FOR

Travellers of any age with an existing medical condition or disability.

ELIGIBILITY

Free Spirit is available to residents of the United Kingdom (England, Wales, Scotland, Northern Ireland and Isle of Man), the Channel Islands or for British Forces Posted Overseas (BFPO) who are registered with a medical practitioner in their home country. You must not have started your trip prior to commencement of your policy and the trip must start and end in the UK, Channel Islands or BFPO. You must not have spent more than six months abroad in the year before buying this policy.

UNDERWRITTEN BY

URV, Branch Office of Union Reiseversicherung AG for the United Kingdom and the Republic of Ireland, for all sections other than:

Gadget Cover – UK Branch of Inter Partner Assistance which is fully owned by the AXA Partners Group.

End Supplier Failure Insurance – Liberty Mutual Insurance Europe SE.

SOLVING A PROBLEM

Many Insurers will not provide cover for existing medical conditions. Wherever possible Free Spirit will provide cover.

HOW TO APPLY:

Brokers and Agents:

Or call 02392 419 050 Mon to Fri 9am – 5pm.

Direct customers:

Or call us on 02392 419 865 Mon to Fri 9am – 5pm

Last updated: 26th August 2020.

TRAVEL INSURANCE

With over 25 years experience in travel insurance, we have created specific products to cater for specific needs. Whether you require cover for a medical condition, hazardous activities, round the world trip, Gap year, etc., we have a policy for you.

PERSONAL INSURANCE

As schemes specialists, we are able to provide some unique products; these currently include: ‘Top-up’ Cancellation cover; Euro Plus (breakdown cover for people travelling to Europe); and PJH Worldwide for those who have already travelled and expats.

CORPORATE INSURANCE

We have a range of facilities to cover companies; ranging from Group Personal Accident and Travel to Liability cover for Tour Operators. Specific products include: Business; Coach Plus Breakdown; Coach Plus Driver; and SAFI.

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Specialist travel insurance for people with medical conditions & no age limits