P J Hayman & Company Ltd
Travel Insurance & Scheme Specialists

Celebrating 25 Years

Worldwide – High Risk


Specialist travel Insurance for people travelling to high risk areas


Individuals and groups travelling to high risk territorial zones and areas where the FCO have advised against travel such as war zones, crisis zones and disaster relief zones, including countries such as Afghanistan, Syria, Iraq and Sudan etc. as well as hazardous areas in countries such as Egypt, Thailand, Pakistan and India.


High Risk Voyager is available to residents of the UK and non-EEA residents (as listed online).


Business and leisure trips in 2021

  • Business trips are only allowed for essential travel for more information on what the Government considers essential please see the gov.uk website.
  • Leisure Only trips, only available for trips starting on or after the 1st April 2021
  • Already Departed policies cannot be issued.


Important information for UK residents

Whilst High Risk Voyager Travel Insurance can provide cover for Travel for Business and Leisure purposes it is now limited to Business Travel Only in the short term in accordance with Government Guidelines.

The Government have stated that you MUST NOT leave home including to travel abroad, unless you have a legally permitted reason to do so, such as for essential work purposes.

If you feel that you have an essential reason to travel, please be aware that in the event of a claim you will be asked to prove without doubt that the reason for your trip was essential. If you are unable to do so your claim may be at risk of not being met. If you are in any doubt about whether your trip is deemed essential, please check on the gov.uk website.

If you are wishing to travel for leisure purposes then we are only able to provide cover for trips that start on or after 1st of April 2021.



  • Specialist Travel Insurance for Individuals or Groups travelling to high risk territorial zones worldwide not covered by regular travel insurance, such as war zones, crisis zones and disaster relief zones.
  • Cover for both Business Trips and Leisure Trips.
  • Designed for travelling professionals and pioneers such as Journalists, Photographers, Film Makers, Teachers, Charity Workers, Aid workers, Interpreters, Volunteers, Students and Engineers etc.


  • 24/7 Quick and Easy Secure Online Quote and Buy Facility
  • One-Tap Emergency App & Pre-Travel Country Profile Information
  • 24/7 Emergency Medical Assistance Helpline
  • Available to purchase before or after departure
  • Choice of 2 Levels of Medical Cover up to £/$/€1,000,000
  • Emergency Air Ambulance and Medical Evacuation Services
  • Single Trip Policies for trips from 1 day up to 365* days duration
  • Annual Multi-trip Policies – unlimited number of trips of up to 31 days each and includes 17 days Winter Sports
  • Includes cover for 100+ leisure sport activities (non-professional)
  • Choice of up to 4 Territorial Zones of Cover including war, crisis and disaster relief zones
  • Available in GBP£, EUR€ and USD$ with claims settled in your chosen currency, determined by the currency used to pay your premium
  • Individual cover with online discounts for Groups of 5+ purchasing together
  • Discounts available for having taken recognised risk management, travel safety and personal security advice before departure

For further information, please click the links for the Policy Wording and Sales Leaflet.


We are working with Voyager Insurance Services Ltd on this product. They are authorised and regulated by the Financial Conduct Authority. The policy is underwritten at Lloyd’s of London.


All plans, benefits and premiums are available in a choice of GBP£, EUR€ and USD$.


Brokers and Agents:

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

Direct customers:

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

Last updated: 20th January 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 expats.


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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Wide range of covers for UK Nationals already abroad, Expatriates and other Nationals