Expat Medical Insurance

Travel Plus is available to UK and Isle of Man residents who are registered with a Medical Practitioner in the UK or the Isle of Man. The policy must be purchased in the UK or the Isle of Man and trips must start and end in the UK or the Isle of Man. The policy is also available for those who are a British member of Her Majesty’s Armed Forces stationed overseas.

There is no upper age limit on Single Trip policies.

The maximum duration of any single trip is 94 days (although for persons aged over 75 years the maximum duration is 31 days). If you require cover for longer periods, please contact P J Hayman & Company Limited on 02392 419 070. We are open Monday to Friday 8am – 6pm, closed Bank Holidays.

Cover for one way trips is available under the Single Trip policy subject to a 25% premium increase and a maximum trip duration of 31 days. Note: cover will cease 48 hours after you leave immigration control in your final destination country. Please call P J Hayman & Company Limited on 02392 419 070 for more information and to purchase a policy. We are open Monday to Friday 8am – 6pm, closed Bank Holidays.

Subject to Underwriters agreement, we can extend an individual trip policy providing you let us know before your policy expires and at the time of requesting the extension you are not intending to make a claim. Please note, this is subject to your existing trip duration including the extended period not exceeding 94 days (31 days if you are aged over 75), which is the maximum trip duration of the Single Trip policy. You will be advised of the additional premium at the time of the request.

If you are making several trips a year, Annual Multi-trip cover is usually the most cost effective option. This will cover you for an unlimited number of trips in a 12 month period, each up to a maximum of 35 days long (60 days if you choose Premier Plus cover, reduced to 35 days if aged 70 or over). Winter Sports cover is automatically included for persons aged 79 years or under – up to a maximum of 21 days during the policy year (45 days if you choose Premier Plus cover).

Cover for Winter Sports can be included for an additional premium.

If you intend to participate in any winter sports activity you must ensure that:

Your usual treating GP is happy for you to do so;

You follow the safety guidelines for the activity concerned and where applicable you use the appropriate and recommended safety equipment.

The following activities are covered if winter sports cover is shown on your policy schedule and the appropriate additional premium has been paid:

Skiing, ski boarding, snowboarding, big-foot skiing, cross-country skiing, glacier walking, Ice skating, mono-skiing, sledging/sleigh riding (pulled by horse or reindeer as a passenger), snow blading and tobogganing/sledging.

Off piste skiing and snowboarding is covered when accompanied by a guide or instructor and you are skiing within the ski area boundaries of a recognised ski resort and following ski patrol guidelines.

Biathlon, husky dog sledding (organised, non-competitive and with experienced local driver), Ice windsurfing*, kick sledging, ski biking, ski-dooing, ski run walking, snow biking, snow bobbing, snow go karting*, snow mobiling*, Snow scooting, snow shoe walking, snow tubing, telemarking, winter walking (using crampons and ice picks only, 3,000 metres).

Note: cover under section 8 – personal liability is excluded for those Winter Sports marked with a *

There is no cover for:

Off-piste skiing/snowboarding without a guide or instructor, skiing against local authoritative recommendations, warnings or advice, ski stunting, free-style skiing, alpine skiing, bob sleigh, ice hockey, bobbing, heli-skiing, ski acrobatics, ski flying, ski jumping, ski mountaineering, skiing-nordic, glacier skiing, snowcat skiing, snow carting or the use of bob sleighs, luges or skeletons.

If your Winter Sports activity is not included in the list, please call us on 02392 419 070. We are open Monday to Friday 8am – 6pm, closed Bank Holidays.

Travel Plus is available to UK and Isle of Man residents who are registered with a Medical Practitioner in the UK or the Isle of Man. The policy must be purchased in the UK or the Isle of Man and trips must start and end in the UK or the Isle of Man. The policy is also available for those who are a British member of Her Majesty’s Armed Forces stationed overseas.

79 years or under at the start date of the policy. If you are aged over 79 and require Annual Multi-trip cover, please call us on 02392 419 070 quoting ‘Travel Plus’. We are open Monday to Friday 8am-6pm, closed Bank Holidays.

The Annual Multi-trip policy covers you for an unlimited number of trips throughout the year but any one trip is limited to 35 days (Premier cover) and 60 days* for Premier Plus cover.

* reduced to 35 days if you are aged 70 years and over at the start date of the policy.

Trips in the UK, the Channel Islands and the Isle of Man are covered as long as accommodation has been pre-booked for a minimum of one night. You are not covered for Emergency Medical and Other Expenses as this will be covered under the NHS.

Yes, children can travel independently under ‘family cover’ – this is ideal for school trips.

No, we are unable to extend cover beyond the maximum duration limit.

Winter Sports is covered for FREE on Annual Multi-trip policies for persons aged 79 years or under. Premier cover provides up to a maximum of 21 days winter sports cover during the policy year, whilst Premier Plus cover provides 45 days during the policy year.

If you intend to participate in any winter sports activity you must ensure that:

Your usual treating GP is happy for you to do so;

You follow the safety guidelines for the activity concerned and where applicable you use the appropriate and recommended safety equipment.

The following activities are covered if winter sports cover is shown on your policy schedule and the appropriate additional premium has been paid:

Skiing, ski boarding, snowboarding, big-foot skiing, cross-country skiing, glacier walking, Ice skating, mono-skiing, sledging/sleigh riding (pulled by horse or reindeer as a passenger), snow blading and tobogganing/sledging.

Off piste skiing and snowboarding is covered when accompanied by a guide or instructor and you are skiing within the ski area boundaries of a recognised ski resort and following ski patrol guidelines.

Biathlon, husky dog sledding (organised, non-competitive and with experienced local driver), Ice windsurfing*, kick sledging, ski biking, ski-dooing, ski run walking, snow biking, snow bobbing, snow go karting*, snow mobiling*, Snow scooting, snow shoe walking, snow tubing, telemarking, winter walking (using crampons and ice picks only, 3,000 metres).

Note: cover under section 8 – personal liability is excluded for those Winter Sports marked with a *

There is no cover for:

Off-piste skiing/snowboarding without a guide or instructor, skiing against local authoritative recommendations, warnings or advice, ski stunting, free-style skiing, alpine skiing, bob sleigh, ice hockey, bobbing, heli-skiing, ski acrobatics, ski flying, ski jumping, ski mountaineering, skiing-nordic, glacier skiing, snowcat skiing, snow carting or the use of bob sleighs, luges or skeletons.

If your Winter Sports activity is not included in the list, please call us on 02392 419 070. We are open Monday to Friday 8am – 6pm, closed Bank Holidays.

For a single additional premium you can have the claims excess deleted. This is referred to as ‘Excess Waiver’ and is available as an option under both Single Trip and Annual Multi-trip during the quote process.

There is no voluntary excess option available.

Travel Plus has been designed primarily for the leisure traveller; however limited cover for business travel is included. This is restricted to straightforward business trips i.e. ‘white collar’ work. Please be aware that the policy excludes cover for most manual work (see Activity Pack 1), hazardous occupations, business equipment and replacement employee expenses. If you have any queries or require wider business cover, please contact us on 02392 419 070. We are open Monday to Friday 8am-6pm, closed Bank Holidays.

Travel Plus includes a wide range of activities that are automatically covered as standard (Activity Pack 1).

Other activities (Activity Packs 2- 4) may be covered on payment of an additional premium.

Please click here to view the individual Activity Packs available.

If you are going to take part in an activity not shown in the Activity Packs, please contact us on 02392 419 070. We are open Monday to Friday 8am-6pm, closed Bank Holidays.

Yes. However, unlike some travel insurance policies, Travel Plus provides ‘new for old’ cover for items less than 2 years old. This means that provided you can provide receipts or original valuations, claims for personal baggage will be settled on a replacement basis. Please note there are policy limits applying to personal baggage – please refer to the Insurance Policy.

You are only covered for terrorist activity in respect of Emergency Medical and Other Expenses, Hospital Inconvenience Benefit or Personal Accident.

The Travel Plus policy has a 24 hour medical emergency and repatriation service provided by:

Travel Plus – 24 hour Medical Emergency Assistance Service.

In the event of a medical emergency you must contact the medical emergency assistance service on: +44 (0) 208 763 3434

Further details of this service are shown in your Insurance Policy.

Staff are on call 24 hours a day throughout the year. They will, when necessary, guarantee medical bills and arrange repatriation if required.

If you are asked to pay a small bill for medicines and/or outpatient treatment it is often easier to settle your bill direct, keep all receipts and claim for the costs incurred on your return home.If you are admitted as an inpatient, or you require outpatient treatment which is likely to exceed £500, then you must contact the 24 hour Medical Emergency Service as soon as possible. They will then arrange for those medical expenses covered by the policy to be paid direct to the hospital/clinic. Please refer to your policy wording for full details.

Click Here for details.

Full details of what you need to do to make a claim are also shown in your Insurance Policy.

Please note: You will be expected to follow the claims procedure shown in your Insurance Policy and to substantiate your claim by providing supporting documents.

We aim to provide a first class claims service and respond within 5 working days of receipt of correspondence.

Usually you can buy a policy with us online, but due to internal system changes, this facility is currently unavailable. You can however, browse policies online, then call us for a free quote and pay by debit or credit card. We accept Mastercard and Visa. Our telephone number is 02392 419 070, open Monday to Friday 8am-6pm, closed Bank Holidays.

Cover under sections 1 to 14, 17 & 18 is underwritten by Cigna Europe Insurance Company S.A.-N.V., UK Branch and administered by Cigna Insurance Services (Europe) Limited.

For section 15 & 16 only (Travel Consumer Dispute & Consular Assist) – Cover is underwritten by UK General Insurance Ltd on behalf of Great Lakes Reinsurance (UK) SE.

Section 16 only is administered by Legal Insurance Management Limited.

Please see the Insurance Policy for full Insurer details.

Travel Plus will cover all countries and areas except Afghanistan, Liberia and Sudan as well as those which the Travel Advice Unit of the Foreign & Commonwealth Office or the World Health Organisation (WHO) or similar body has advised against all or all but essential travel.

Under Single Trip, children under 18 at the date of issue of the policy (or under 23 years if still in full time education and normally resident with an insured adult) are covered free of charge, providing they are travelling with a related insured adult.

If Annual Multi-trip ‘Family’ cover is selected, related children under 18 years at the date of commencing the trip (or under 23 years if still in full time education and normally resident with an insured adult) are covered free of charge.

For Annual Multi-trip policies, related children are also covered to travel independently.

Please read the Insurance Policy for full details of the cover.

An EHIC entitles you to reduced-cost, sometimes free, medical treatment that becomes necessary while you are in a European Economic Union (EEA) country or Switzerland. The EEA consists of the European Union (EU) countries plus Iceland, Liechtenstein and Norway. The card gives access to state-provided medical treatment only. Remember, this might not cover all the things you would expect to get free of charge from the NHS in the UK. You may have to make a contribution to the cost of your care. You may apply for an EHIC online at: www.ehic.org.uk or by calling 0300 330 1350. Please note: An EHIC is no substitute for travel insurance cover.

Yes. Please email us at contact@travelplusinsurance.co.uk with your policy number (if known), the lead name and the address (for verification) and we will then resend the policy.

Unlike some travel insurance policies, Travel Plus includes cover of £2,500 (Standard) and £5,000 (Premier & Premier Plus) if your holiday or trip has to be cancelled due to the financial failure of your travel or accommodation provider and you are unable to recover your pre-booked travel and accommodation costs elsewhere. Cover is also provided up to £1,500 for unforeseen additional losses such as unused pre-paid car hire and hotel costs.

Available with Premier & Premier Plus only, Travel Consumer Dispute cover provides up to £25,000 for professional fees to pursue a compensation claim against your tour operator, travel agent, pre-booked car hire company, travel or accommodation provider.

The Travel Plus policy contains conditions relating to your health and to that of other insured persons on the policy.

Please refer to the ‘Important Conditions Relating to Your Health’ shown in the Insurance Policy.

You will need to declare each traveller’s medical condition(s) if anyone has:

within the last 5 years had more than one of the following conditions: Asthma (requiring no hospital admissions and no supplementary oxygen), Diabetes (if well controlled and no associated conditions), High Blood Pressure / Hypertension, High Cholesterol;

within the last 2 years been treated as a hospital in-patient or been referred to, or in the care of, a specialist consultant;

within the last 5 years been treated (including prescribed medication) for a breathing condition (this would include asthma if you have required hospital admission or supplementary oxygen); a heart related condition (including angina); a renal/kidney or liver related condition; a circulatory condition (other than high blood pressure/hypertension AND high cholesterol);

within the last 5 years been diagnosed or treated (including prescribed medication) for a malignant condition (e.g. cancer).

Note: In some cases an additional premium may be payable if we are able to cover the declared medical condition(s).

We are unable to offer a quotation or issue cover online for any person with a terminal condition. If you or anyone to be insured has a terminal condition, please call us on 02392 419 070 for an individual assessment. We are open Monday to Friday 8am-6pm, closed Bank Holidays.