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P J Hayman: Medical tourism insurance including cover for complications

Free Spirit Travel for Treatment insurance

The travel insurance solution for people travelling abroad
for cosmetic, dental, elective or spa treatment


A specially designed travel insurance policy for medical tourism from travel insurance specialists P J Hayman & Company


Not all travel insurance policies are the same!

FREE SPIRIT Travel for Treatment insurance is P J Hayman's solution for UK nationals travelling abroad for cosmetic, dental and elective treatment, providing wide-ranging cover including cover for complications for extra peace of mind.

As well as providing wide-ranging cover for your trip, the policy gives you additional cover for:

  • Complications occurring after 48 hours up to £5,000,000
  • Additional accommodation expenses up to £1,000
  • Additional travel expenses up to £1,500
  • Extended recovery period up to £1,000


Standard travel insurance policies will exclude cover if you are travelling abroad specifically for the purpose of obtaining medical treatment which means you will be liable for any additional costs incurred, such as additional travel/accommodation costs or medical expenses in the event of complications arising.

Also, if you make a claim which is not related to your treatment, such as for baggage loss, airport delays, etc. and your insurance company discovers that you were travelling to have treatment, they may refuse to pay out on any claims.

How to apply

Obtaining a quotation from FREE SPIRIT Travel for Treatment could not be easier. 

Simply call them on 0845 260 1543 (they are open 8am-6pm, Monday to Friday excluding Bank Holidays) quoting 'Treatment Abroad'. 

From outside the UK please call on + 44 (0) 23 9241 9898.

What are the benefits of FREE SPIRIT Travel for Treatment insurance?

  • Over 150 procedures covered click here for details
  • Essential cover including emergency Medical Expenses, Repatriation and Cancellation
  • Specific cover for complications occurring whilst abroad at least 48 hours and up to 31 days after treatment
  • 24-hour Medical Emergency helpline
  • For UK nationals resident in the EEA up to age 74
  • Cover for single trips up to 31 days in Europe or Worldwide destinations including USA 
  • Additional travel and accommodation expenses incurred by you or your travelling companion
  • Reduced premiums for accompanying persons
  • Cover in the event of financial failure of your travel/accommodation provider
  • 'Medical Tourists' legal helpline
  • Dedicated UK based customer services team

† If you require cover for something that is not shown on the current list please call 0845 260 1543

Peace of mind

By covering your travel arrangements and complications that may arise from your medical treatment abroad, FREE SPIRIT Travel for Treatment insurance gives you the protection you need. Full details of the cover can be found on their web site www.FREESPIRITtravelfortreatment.com.


Who is eligible?

The insurance is available to UK nationals resident in the UK, Channel Islands or the European Economic Area up to age 74 who are registered with a Medical Practitioner in the same country as they are resident. For example a UK national living in France would be eligible to take out cover.


Hospitals and Clinics covered

The policy covers treatment in a hospital, clinic or surgery which is recognised, registered and regulated by the relevant local government health authority or its equivalent body.  



FREE SPIRIT Travel for Treatment insurance is underwritten by AmTrust Europe Limited except for BONDPLUS (financial failure) which is underwritten by IGI Insurance Company Limited. 

AmTrust Europe Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

P J Hayman & Company Limited and International Passenger Protection Limited are authorised and regulated by the Financial Conduct Authority.

These details can be checked on the Financial Services Register by visiting www.fca.org.uk or by calling 0800 111 6768.


Here to Help

If you have any questions about FREE SPIRIT Travel for Treatment and the cover provided, you can either view the website or call on: 0845 260 1543 (from outside the UK: + 44 (0) 23 9241 9898).


Answers to most questions on medical tourism insurance can be found on the Frequently Asked Questions page.


Contact details

Free Spirit Travel for Treatment
P J Hayman & Company Limited
Stansted House
Rowlands Castle


Tel:  0845 260 1543 (from outside the UK: + 44 (0) 23 9241 9898)

Fax: 023 9241 9049


Email:      freespirittravelfortreatment@pjhayman.com or complete the online contact form

Website: www.freespirittravelfortreatment.com 


Affiliate Programme – Hospitals, clinics and surgeries interested in joining the FREE SPIRIT Travel for Treatment insurance Introducer Agency Programme should email their contact details to: marketing@pjhayman.com 



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