Below are some commonly asked questions. If you have a question that is not answered below then please use the Contact Us page.
1.Who are 24/7 travel insurance?
2.Who is eligible to take out a policy?
3.How will I receive my travel insurance policy documents?
4.Under an Annual Multi-trip policy, can children travel independently of an insured adult?
5.Does the Annual Multi-trip policy cover holidays taken in the UK or the Channel Islands?
6.How long can I travel for?
7.Can I get travel insurance if I have a pre-existing medical condition?
8.How do I know what I'm covered for?
9.Who are the Insurers?
10.Why should I buy 24/7 Annual Multi-trip travel insurance?
11.Do you cover winter sports activities?
12.Do you cover one-way trips?
13.Am I covered for business travel?
14.Am I covered for sports and hazardous activities?
15.Can I delete the policy excess?
16.Can I have a lower premium and higher excess?
17.Do you offer a Money Back Guarantee?
18.Do you have a 24-hour Emergency Medical Assistance Service?
19.Do I need a European Health Insurance Card (EHIC?
20.How do I make a claim?
21.How do I get medical assistance when I'm away?
22.Do I have to pay my medical bills myself?
23.Is it possible to increase any of the limits of cover?
24.Can you resend my policy to me?
Who are 24/7 travel insurance?
24/7 travel insurance is a trading name of Travel Insurance specialists P J Hayman & Company Limited. For further details click here
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Who is eligible to take out a policy?
24/7 travel insurance is available to persons who have had their main home in the United Kingdom or the Channel Islands and have not spent more than six months abroad in the year before buying this policy.
Single Trip - there is no age limit.
Annual Multi-trip - you must be aged 74 or under to qualify.
Backpacker & Longstay - you must be aged 55 or under to qualify.
Cruise - there is no age limit. Cover is also available to residents of the Republic of Ireland.
Winter Sports – you must be aged 75 years or under (Single Trip Blue & Red) and 69 years or under (Single Trip Black); 65 years or under (Annual Multi-trip Blue, Red & Black)
Sports & Activities – there is no age limit for Single Trip cover and up to age 74 years for Annual Multi-trip cover.
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How will I receive my travel insurance policy documents?
Your policy schedule and policy documents are delivered to the email address you provide.
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Under an Annual Multi-trip policy, can children travel independently of an insured adult?
No. Adults may travel independently but children must be accompanied by an insured adult.
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Does the Annual Multi-trip policy cover holidays taken in the UK or the Channel Islands?
Yes, provided the trip is for a minimum period of 3 days.
How long can I travel for?
24/7 Annual Multi-trip insurance covers you for an unlimited number of trips throughout the year, each up to a maximum of 31 days long.
24/7 Single Trip insurance covers individual trips up to a maximum of 365 days long.
24/7 Backpacker & Longstay insurance covers individual trips up to a maximum of 18 months.
24/7 Cruise insurance covers individual trips up to a maximum of 6 months.
24/7 Winter Sports insurance covers individual trips up to a maximum of 21 days (Blue); 31 days (Red) and 45 days (Black).
24/7 Sports & Activities insurance covers individual trips up to a maximum of 365 days long (Single Trip) and for an unlimited number of trips throughout the year, each up to a maximum of 31 days long under Annual Multi-trip.
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Can I get travel insurance if I have a pre-existing medical condition?
24/7 travel insurance can provide cover in certain circumstances subject to medical screening.
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How do I know what I'm covered for?
Please read the Policy Wording for details of the cover.
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Who are the Insurers?
24/7 travel insurance is arranged by P J Hayman & Company Limited, underwritten by Travel Insurance Facilities plc and insured by Union Reiseversicherung AG.
Union Reiseversicherung AG are authorised in Germany by BaFin and subject to limited regulation in the United Kingdom by the Financial Services Authority.
P J Hayman & Company Limited and Travel Insurance Facilities plc are authorised and regulated by the Financial Services Authority. This can be checked on the FSA's register by visiting the FSA's website at http://www.fsa.gov.uk/register/home.do or by contacting them on 0845 606 1234.
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Why should I buy 24/7 Annual Multi-trip travel insurance?
If you plan to go away more than once in the next 12 months, you can save time and money with our Annual Multi-trip insurance. With an Annual Multi-trip policy you may take any number of round trips during the policy period of cover up to a maximum duration of 31 days for any one trip. Winter Sports may be included for up to a maximum of 17 days in total during the policy period of cover on payment of the appropriate additional premium.
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Do you cover winter sports activities?
24/7 travel insurance includes 24/7 ski insurance, a specialist policy for winter sports cover. There are 3 cover options available, Blue, Red & Black so you can pick the right policy to suit your needs.
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Do you cover one-way trips?
No; however please call us on 0845 260 1580 for an alternative quotation and product.
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Am I covered for business travel?
24/7 travel insurance has been designed primarily for the leisure traveller; however limited cover for business travel is included. This is restricted to business activity that follows your normal occupation provided this does not involve manual work or exposure to hazardous risks. If you require wider business cover, please call us on 0845 260 1580 for an alternative quotation and product.
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Am I covered for sport and hazardous activities?
24/7 travel insurance automatically covers over 100 activities with specialist policies available for the more adventurous - 24/7 Winter Sports and 24/7 Sports & Activities.
If you intend to participate in any activity not listed, please contact us on 0845 260 1580.
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Can I delete the policy excess?
Yes, for a single additional premium you can have the claims excess deleted. This is referred to as the 'Excess Waiver Option' and is available under Single Trip, Annual Multi-trip and Backpacker & Longstay. If you select this option during the online quote process, the additional premium will be automatically included in your premium.
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Can we have a lower premium and higher excess?
There is no voluntary excess option available under 24/7 travel insurance.
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Do you offer a Money Back Guarantee?
Yes, if the insurance does not meet your requirements please return it within 14 days of the date of issue, but before departure date. Provided no claim has been made your premium will be refunded in full.
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Do you have a 24-hour Emergency Medical Assistance Service?
Yes, 24/7 travel insurance has a 24-hour medical emergency and repatriation service:
Tel. +44 (0) 845 260 3260
Further details of this service are shown in your policy documents.
Staff are on call 24 hours a day throughout the year. They will, when necessary, guarantee medical bills, arrange repatriation and, if required, provide a medical escort.
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Do I need a European Health Insurance Card (EHIC)?
A 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.dh.gov.uk/travellers or by calling 0845 606 2030. Application forms are also available from the Post Office.
Please note: An EHIC is no substitute for travel insurance cover.
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How do I make a claim?
Full details of what you need to do to make a claim are shown in your Policy wording.
Please note: you will be expected to follow the 'Claims Procedure' shown in your Policy wording and to substantiate your claim by providing supporting documentation.
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How do I get medical assistance when I'm away?
For emergency medical assistance while you are away, contact the 24-hour, Emergency Medical Assistance Service (quoting '24/7 travel insurance' and your policy number):
Tel. +44 (0) 845 260 3260
Staff are on call 24 hours a day throughout the year. They will, when necessary, guarantee medical bills, arrange repatriation and, if required, provide a medical escort.
Please see your Insurance Policy for further details of this service.
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Do I have to pay my medical bills myself?
Outpatient bills for less than £500 should be paid at the time and claimed on your return. It is very important to obtain an itemised receipt for any monies paid for medical treatment.
If you are admitted to a medical facility then you may need to pay the policy excess locally and ask the hospital or doctor to send the rest of their bills to Travel Claims Facilities at: PO Box 420, Hadlow, Kent, TN9 9DE, UK. Our medical assistance service will explain this procedure to them and provide them with a faxed guarantee if necessary, once the validity of your claim has been established.
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Is it possible to increase any of the limits of cover?
There is no option to increase the limits of cover.
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Can you resend my policy to me?
Yes. Please can you email us at enquiries@247travelinsurance.co.uk with your policy number (if known), the lead name and the address (for verification) and we will then resend the policy to the email address registered on our system.
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† price based on an individual aged 18-54 taking out a 'Last Minute' Single Trip policy excluding baggage cover for 3 days in Europe.
