Longstay & Backpacker


This an essential policy for those taking extended trips such as a gap year, round-the-world trips, or studying abroad.


Travellers taking extended trips abroad of up to 18 months.


Three levels of cover to choose from

‘Standard’ provides essential cover for cancellation, curtailment, personal possessions, emergency medical expenses, personal liability, and personal accidents.
‘Longstay’ provides higher limits and additional cover for gadgets*, departure delay, missed departure, possessions delayed in transit, personal money & loss of travel documents and legal advice & expenses.
‘Longstay Plus’ provides the same benefits as Longstay with enhanced cover limits.

NEW Section of Cover (optional)

Study or Work Placement Abroad Extension – available at an additional premium

Cover up to £6,000 for pre-paid tuition fees if you are unable to travel or if you have to come home early.

Return home at no extra charge! – For those wishing to break their trip midway, Longstay & Backpacker allows you to return home, say, at Christmas or Easter, for: up to two trips home (maximum 21 days per trip) during the policy period if buying the ‘Standard’ or ‘Longstay’ cover, or up to four trips home (maximum 31 days per trip) during the policy period if buying the ‘Longstay PLUS’ cover.

Cover is suspended during the period at home.

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) – We will provide cover 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.

Note: Laptops are not covered for accidental loss, cover for unauthorised call/data use is only for mobile phones and there is no cover provided under this section for drones.

Free sports & activities cover – A wide range of activities are included free of charge under Standard, 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.

Note: This policy does not cover: Base jumping; Extreme skiing; Cruise trips or working as a Ski instructor.

Excess waiver option – For a single additional premium, the standard claims excess can be reduced to ‘nil’ paying an additional premium.

Note: the excess would still apply to the Gadget cover.

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


Longstay & Backpacker is available to the UK, Channel Islands & BFPO residents, 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 or for those travelling to Worldwide destinations the maximum age is 69, on the date you purchase your policy.

Standard – From age 16* or up to age 39 on the date you purchase your policy.

*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 P J Hayman & Co Ltd. See page 2 of the Insurance Policy for further details.


Longstay & Backpacker Travel Insurance is arranged by P J Hayman & Company Limited who are authorised and regulated by the Financial Conduct Authority.

Administered by Bastion Insurance Services Ltd and underwritten by Collinson Insurance Collinson Insurance (a trading name of Astrenska Insurance Limited) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the United Kingdom, under Firm Reference Number 202846.


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: 20th March 2023.


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.