P J Hayman & Company Ltd
Travel Insurance & Scheme Specialists

Celebrating 25 Years

Longstay & Backpacker


An essential policy for those taking extended trips such as a gap year or round the world trip.


Travellers taking extended trips abroad of up to 18 months.


Three levels of cover to choose from

‘Backpacker’ provides cover for cancellation/ curtailment, personal possessions, emergency medical expenses, personal liability and accidental death & disability benefit.
‘Longstay’ provides higher limits and additional cover for gadgets, departure delay, missed departure, possessions delayed in transit, personal money & travel documents, and legal advice & expenses.
‘Longstay Plus’ provides the same benefits as Longstay with enhanced cover limits.

Return home at no extra charge! – for those wishing to break their trip midway, the insured can return home, say, at Christmas or Easter. The policy provides cover for up to two trips home (maximum 21 days per trip) during the policy period.

Automatic ‘Stop-Over’ cover – cover is automatically provided for ‘stop-overs’ of up to 7 days maximum in a higher rated area e.g. travelling to New Zealand via the USA.

Gadget Cover (Longstay & Longstay Plus policies only) – 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, smartwatches, smart glasses, head-mounted displays, handheld games consoles, portable DVD players, headphones, wireless speakers, MP3 players, iPods, and laptop computers (laptops are not covered for accidental loss) and there is no cover provided under this section for drones), purchased as new in the UK or, in the case of refurbished items, not purchased directly from the manufacturer or network provider in the UK. Any device that was purchased as secondhand or used, that is not a refurbished device that was sold with a minimum 12-month warranty; that is no more than 48 months old at the start date of your trip.

Free sports & activities cover – a wide range of activities are included free of charge under Backpacker, Longstay and Longstay Plus with Activity Pack 1. Other activities may be covered under Activity Packs 2, 3 or 4 on payment of an additional premium. Please refer to the Activities Guide for further details.

Excess waiver option – for a single additional premium the standard claims excess can be deleted. Note: the excess would still apply for Gadget cover and where any additional excess has been imposed following a call to tifgroup-sales to declare a medical condition.

24-hour medical emergency assistance – a 24 hours a day, 7 days a week, 365 days a year helpline is provided for assistance in the event of a medical emergency abroad.


Available to residents of the UK, the Channel Islands or for British Forces Posted Overseas (BFPO) who have not spent more than 6 months abroad in the last 12 months.


Longstay & Longstay Plus – From age 16* or up to age 75 if travelling to European, Australian, and New Zealand destinations. Up to age 69 if travelling to Worldwide destinations.
Backpacker – From age 16* or up to age 39.

*When travelling independently from an insured adult.

Note: ages are on the date you purchase your policy.


Periods from 1 month up to a maximum trip duration of 18 months.


This policy may not provide cover for re-occurring or existing medical conditions; however, some cover may be available by contacting tifgroup-sales. See page 2 of the Insurance Policy for further details.


Longstay & Backpacker is arranged by P J Hayman & Company Limited, and insured by White Horse Insurance Ireland dac. White Horse Insurance Ireland dac is registered in Ireland No. 306045. White Horse Insurance Ireland dac’s Registered Office is First Floor, Rineanna House, Shannon Free Zone, Shannon, County Clare, Republic of Ireland.

White Horse Insurance Ireland dac is authorised and regulated by the Central Bank of Ireland. Deemed authorised by the Prudential Regulation Authority and subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority.

The nature and extent of consumer protections may differ from those for firms based in the UK. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website, our FNR is 203320.

P J Hayman & Company Limited and Travel Insurance Facilities plc are authorised and regulated by the Financial Conduct Authority. This can be checked by visiting www.fca.org.uk/ or by calling 0800 111 6768 or 0300 500 8082.


Brokers and Agents:

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

Direct Customers:

Or call 02392 419 011 Mon to Fri 9am – 5pm.

Last updated: 7th July 2021.


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.


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 ex-pats.


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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An essential policy for those taking extended trips such as a gap year or round the world trip.