In partnership with P J Hayman & Company Ltd we are pleased to be able to offer
This premier product offers the most extensive levels of cover that we have been able to find for you on the market.
Cancellation up to £6,000 can be increased up to £15,000
Emergency Medical & Associated Expenses £10m including
Emergency dental treatment £500
Kennel & cattery costs £500
Cover at home following hospitalisation abroad including
Home help £1,000
Overseas Hospital Benefit up to £2,000 (£100 per 24 hours)
Curtailment up to £10,000
Personal Possessions up to £4,000 including
Single article, pair or set limit up to £750
Valuables limit up to £1,500
Possessions delayed in transitup to £500 (over 8 hours)
Sports equipment limit up to £750
Personal Money, Passport & Travel Documents up to £1,500 including
Cash limit up to £750
Loss of Passport up to £500
Personal Accident
Death up to £50,000
Loss of limb/loss of sight up to £50,000
Permanent total disability up to £50,000
Burial or cremation costs £5,000
Personal Liability £2,000,000
Extended Journey Disruption £5,000
Delayed Departure (after 10 hours delay) up to £500 (£100 per 10 hours delay)
Trip Abandonment (after 10 hours delay) up to £10,000
Missed Departure/Missed Connection up to £2,500
Travel Risks including
Hijack/Kidnap up to £10,000 (£500 per 24 hours)
Mugging up to £1,000 (one-off payment)
Natural Disaster up to £1,500
Legal Advice & Expenses up to £50,000 (£100,000 policy max.)
Car Hire Excess Cover up to £2,500.
Gadget Cover up to £1,500
Cruise Cover
Missed Embarkation up to £1,500
Formal Cruise Attire up to £2,500
Formal Cruise Attire Delayed in Transit up to £500 (over 8 hours)
Cruise Itinerary Changes up to £1,000 (£100 each missed port)
Additional Emergency Medical Assistance & Expenses:
Ship to Shore Repatriation £100,000
On-board Medical Fees £250,000
Unused Excursions up to £500
Cabin Confinement up to £1,000 (£100 per 24 hours)
Winter Sports
Own Ski Equipment up to £1,000 including
Single Article, pair or set limit up to £500
Hired Ski Equipment loss/damage up to £300
Ski Equipment Delayed in Transit ip to £200 (over 8 hours)
Loss of Ski Pack up to £500
Avalanche/Weather Delay up to £400
Piste Closure up to £500 (£50 per 24 hours)
GP on Demand
This service does not form part of your insurance cover - it is an independent service arranged through a third party. Full details are in the leaflet provided with your Policy Document. Your insurance cover includes access to the ‘GP on Demand’ service, during the period of insurance. If you are on a trip, you should use the ‘GP on Demand’ service when you feel ill:
• with a minor ailment,
• in a non-emergency situation, and
• you do not require hospital treatment.
If your medical condition appears on the ‘accepted conditions list’ below, you are eligible for cover with no medical screening needed. The following list shows the conditions that are automatically included as pre-existing medical conditions provided that any words in brackets apply to you.
The condition must have been kept stable and well controlled for the last 2 years by medication which was prescribed by a medical practitioner and you must not have needed to go into hospital or have been referred to a specialist because your condition has got worse.
• Asthma (Diagnosed before age 50, you are not prescribed more than 2 medications/inhalers including nebulisers for this and have not been admitted to hospital in the last year)
• Arthritis/Osteoarthritis (the affected person must be able to walk independently at home without using mobility aids)
• Anxiety/Depression (No hospital admissions or cancelled trips due to this)
• Acid reflux
• ADHD/Autism
• Back and/or neck problems (no hospital admissions in last 2 years, not prescribed daily pain relief )
• Breast cancer (No spread to other areas of the body, diagnosed more than 2 years ago)
• Basal cell carcinoma
• Coronavirus (COVID-19) including Long Covid (providing there is no ongoing treatment)
• Diabetes (providing there have been no complications other than: retinal damage, nerve damage, leg or foot ulcers)
• Enlarged prostate (Benign only)
• Glaucoma (providing it is not a complication of diabetes)
• High or controlled blood pressure
• High or controlled cholesterol levels
• Hiatus hernia (No hospital admissions in last 2 years, no ongoing treatment)
• Inguinal hernia (groin hernia)
• Irritable Bowel Syndrome/IBS (providing no hospital admissions in the last 2 years)
• Low blood pressure
• Minor ailments (see the definition on page 44 for a complete list)
• Osteoporosis (with no fractures/broken bones or joint replacements in last 2 years)
• Overactive thyroid,
• Prostate cancer (which has not spread to other parts of the body and which was diagnosed more than 2 years ago)
• Underactive or overactive thyroid
If you are unable to see your condition on this list, please contact our UK based travel team on 02392 419 044 (this is a basic rate number) for further support. As a specialist travel insurance provider we have a range of policies which will cover pre-existing conditions.
There is no cover for claims related, in any way, to:
a) any medical condition you have where a medical practitioner has advised you not to travel (or would have done if you had asked his/her advice) but despite this you still travel
b) any surgery, treatment or investigations which you intend to travel outside of your home country for (including any expenses run up because of the discovery of other medical conditions during and/or complications resulting from these procedures)
c) any medical condition which you are not taking the recommended treatment or prescribed medication for as directed by a medical practitioner
d) you travelling against any health requirements set out by:
- the airline which you are travelling with
- the airline’s booking company
- anyone else who provides services on behalf of the airline at the airport, or
- any other public transport provider.
This insurance is only available to people who are:
• legally resident in the United Kingdom (this means having an address in the United Kingdom which you have lived in for at least 183 days (6 months)
• aged 75 or less, and
• registered with a medical practitioner (or entitled to free public healthcare under reciprocal arrangements currently in place in the United Kingdom).
1. If you wish to cancel the policy within the 14-day cooling off period
If you decide this cover is not suitable for you and you want to cancel your policy, contact the policy administrator within 14 days of the policy start date or the date you receive your insurance documents, whichever is later. Any premium already paid will be refunded to you in full.
2. If you wish to cancel the policy after the 14-day cooling off period
For Single Trip policies:
If you cancel the policy at any time after the 14-day cooling off period, you will be entitled to a refund of the premium paid, subject to a deduction of 30% for the cancellation cover you have received.
For Annual Multi-trip policies:
You will be entitled to a proportion of the premium, in accordance with the amounts shown below.
Period of Cover Refund Due
Up to two months 60%
Up to three months 50%
Up to four months 40%
Up to five months 30%
Up to six months 25%
Six months or over No refund
Important - Applicable to all policies We will not refund any premium if you have travelled since the policy started, or if you have made or if you intend to make a claim, or an incident has occurred which is likely to give rise to a claim.
TRAVEL PLUS is arranged by travel insurance specialist, P J Hayman & Company Limited who are authorised and regulated by the Financial Conduct Authority. Financial Services (FS) Register Number: 497103. Registered Office: Stansted House, Rowlands Castle, Hampshire PO9 6DX. Registered in England - No. 2534965.
Over 25 years of Experience we'll ensure you always get the best Deal.