Free Spirit Travel for Treatment insurance: Not all travel insurance policies are the same!


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

Not all travel insurance policies are the same!

If you are planning to travel abroad for cosmetic surgery, dental, elective or spa procedures, please check your travel insurance to make sure you are fully covered.

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.

The Solution

Travel insurance specialists P J Hayman & Company Ltd have designed FREE SPIRIT Travel for Treatment - a specialist travel insurance policy exclusively for people travelling abroad for medical procedures. 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

How to Apply

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

Simply call 0845 260 1543* quoting 'Treatment Abroad'.

For a limited period there is a 10% Premium Discount on new policies bought between 01/11/10 and 28/02/11.We reserve the right to withdraw the offer at any time.

Benefits of FREE SPIRIT Travel for Treatment travel insurance

Over 150 procedures covered click here for details†

Essential cover incl 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

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

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 AXA Insurance UK plc except for BONDPLUS (financial failure) which is underwritten by IGI Insurance Company Limited.

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: [email protected]

FREE SPIRIT Travel for Treatment travel insurance is arranged by Travel Insurance Specialists P J Hayman & Company Limited who are authorised and regulated by the Financial Services Authority (No. 497103). Registered office: Stansted House, Rowlands Castle, Hampshire PO9 6DX. Reg no. 2534965.

Terms, conditions and exclusions apply to this insurance. The Policy Summary and Policy Wording are available on request.

* Opening hours 8am-6pm, Monday to Friday excluding Bank Holidays

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

Author / Source

P J Hayman & Company Ltd


United Kingdom



Get a quote for treatment abroad

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  1. Complete the enquiry form
  2. Select countries of interest
  3. Providers respond
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Why treatment abroad could be right for you

- Costs/NHS funding
- Choosing a clinic or surgeon
- What if something goes wrong?

Additional information

Please provide the following information to get a better idea of the overall cost of your medical travel. We will factor in the typical price of travel, accommodation and travel insurance along with the cost of the treatment.

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