P J Hayman

Health insurance company

Free Spirit Annual Multi-trip: Travel health insurance plan from P J Hayman

  • Travel insurance for a year for individual trips up to 31 days.


  • Lower age limit 18
  • Upper age limit 79
  • With a pre-existing medical condition - defined as:
    • a. Any respiratory condition (relating to the lungs or breathing); any heart, circulatory, kidney, liver or cerebal condition; any stroke or central nervous system disorder; for which you have ever received treatment.
    • b. Any cancer for which you have received any diagnosis or treatment within the last five years.
    • c. Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last two years.

Not available if you have cancer/leukaemia/unstable angina, are on a waiting list for tests or investigation, or waiting for an operation.

Important areas covered with limits shown

  • Cancellation/curtailment £1000
  • Baggage/Passport £2000
  • Emergency Medical/Travel epenses  £5million
  • Personal Liability  £2 million


  • 24-hour medical emergency and repatriation service provided by:
  • Global Excel Management - For travellers to the U.S.A and Canada
  • Mapfre Asistencia - For travellers to all other Countries

Other cover 

  • Hospital expenses
  • Funeral expenses abroad
  • Personal Accident
  • Personal money and documents
  • Baggage delay
  • Replacement passport
  • Loss or damage to medical aids
  • Loss or damege to prescribed medication
  • Delayed departure
  • Missed departure/connection
  • Legal expenses

Special exclusions

  • Terrorist activity


£10 discount for  buying online

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