Over 40’s Annual Travel Scheme

Especially for members of the Forces Pension Society

Worldwide Cover, No declaration of medical conditions

About FPStravelcover Member’s Travel Insurance

The FPStravelcover Scheme provides tailored travel insurance to members of the Forces Pension Society. Our aim is to provide a quality service at a competitive price, to a standard that provides true peace of mind to the frequent traveller. In working with the Forces Pension Society, travel insurance specialists P J Hayman & Company Limited have designed a travel insurance product that members can rely on; easily accessed online or via our Travel Team who are ready to assist.

The scheme is open to UK resident members of FPS aged between 40 and 79 and their families.

If you’re not eligible for this scheme
or have different travel insurance requirements
please call us:

02392 419 856

(Monday to Friday 9am – 5pm, closed Bank Holidays)

Or click HERE

About the Scheme & Eligibility*

  • Open to members of Forces Pension Society (FPS) aged between 40 and 79 and their families
  • Travel is solely for leisure purposes

To be eligible for cover you must:

  • Be a UK resident and a Forces Pension Society member
  • Be aged between 40 and 79 at the time the first period of cover starts (thereafter no upper age limit will apply). If purchasing Couple or Family cover the person purchasing the cover must be aged between 40 and 79 years on the date of purchase but any spouse/partner to be insured can be aged under 40.
  • Not suffer from a chronic breathing condition

You must be medically fit to travel 

a) on the date of booking any trip and either paying for the trip in full or paying the initial instalment or deposit towards the final cost of the trip; and
b) on the date(s) you pay any further balance(s) or instalments towards the final cost of the trip; and
c) on the date of departure on the trip.

Being medically fit to travel means:

  • any existing medical condition(s) you have must be stable and controlled by any treatment you are receiving and/or medication(s) you have been prescribed; and
  • there must be no known likelihood of any specialist or specific medical tests, investigations or variation of treatment or medication for any existing medical condition(s) on any of the above dates, or whilst travelling; and
  • you are not awaiting surgery for any diagnosed medical condition; and
  • you are not exhibiting symptoms of an existing medical condition which could mean that your trip could be cancelled or cut short.

It is always advisable to consult a doctor if you have any doubts about whether any insured member is medically fit to undertake a trip.

There is no cover under this insurance for any surgery, treatment or investigations for which you intend to travel to receive, including any expenses incurred due to the discovery of any other medical conditions during, and/or complications arising from, these procedures.

There is no cover for any claim resulting from any medical condition you have, which a doctor has advised you not to travel with, or would have done so had you sought his/her advice, and despite this, you still travel.

If you are terminally ill, the policy will not pay any claims under the Medical Benefits section nor the Loss of deposits, cancellation and curtailment section caused directly or indirectly by that terminal illness.

* Eligibility – You must be a UK resident FPS member, aged between 40 and 79 years at the time the first period of cover starts (thereafter no upper age limit will apply). You must not be suffering from a chronic breathing condition and must be medically fit to travel as defined in the policy.

Join the Scheme

Over 40’s Annual Travel Scheme

The FPStravelcover Member’s Travel Insurance Scheme is available to all FPS members aged between 40 and 79 years of age residing in the UK.

Once a scheme member no upper age limit will apply provided cover is not allowed to lapse.

What’s included

  • European or Worldwide cover

  • No medical screening information is required
  • No limit to the number of journeys
  • Any single trip can last for up to 65 days (45 days for Caribbean, USA or Canada travel)
  • Winter sports cover up to 17 days

  • Members can opt to include partners, spouse and children (until their 21st birthday)

  • Pre-existing medical conditions are covered as long as members are fit to travel and not terminally ill

If the eligibility requirements for this policy mean that we cannot offer you cover, or if you have medical conditions which mean that the policy may not be suitable for you or meet all your needs, you may be able to get help by accessing the MoneyHelper travel directory or by calling 0800 138 7777 (Open Monday to Friday, 8am to 6pm).

The package of benefits at a glance

Cancellation £5,000
Curtailment £5,000
Medical and additional expenses+ £5,000,000
Extra overseas accommodation in event of injury/sickness+ £5,000
Emergency dental treatment £750
Overseas local burial/cremation* Up to £5,000
Repatriation of mortal remains to UK Covered
Emergency medical repatriation and evacuation* Covered
Compassionate overseas visit* Covered
Personal accident benefit (death, loss of limb(s), loss of sight, or permanent total disablement resulting from bodily injury caused by an accident)*
In the event of death of a child under 16		 £15,000

£3,000
Personal baggage
Single item/set of items limit		 Up to £2,500
Up to £350
Delayed baggage (more than 12 hours)* £250
Personal money, (e.g. cash, travellers cheques, travel tickets)
Cash limit		 Up to £500
Up to £250
Loss of passport £500
Delayed departure: every 12 hours* £50 up to maximum £200
Extended delay £2,000
Missed departure £1,000
Catastrophe cover* £1,000
Legal expenses* £25,000
Personal liability* £2,000,000
UK travel cover Various amounts payable
Winter sports cover Various amounts payable

Please note: Full details of all the benefits under the policy are given in the Evidence of Insurance document.

All benefits are subject to £75 excess except those marked with an asterisk (*). The benefit marked with a cross (+) is subject to £75 excess unless a UK Global Health Insurance Card (UK GHIC) is used. Benefits are subject to conditions, limitations, and exclusions detailed in the Evidence of Insurance document.

Where a medical benefit is shown as “Covered” in the table above, the overall £5,000,000 cover limit relating to medical and additional expenses applies. Where there is a specific limit or amount payable for any individual medical benefit, this is stated.

Pricing

All premiums are payable annually in advance. Members have the flexibility to join the scheme at any point. Membership of the scheme automatically renews each year on the 1st of November (renewal date) for all existing members.

Annual premiums for FPStravelcover for the year commencing 1st November 2024:

Individual European Cover for those aged 40-49 £159.99
Individual European Cover for those aged 50-59 £239.99
Individual European Cover for those aged 60-69 £319.99
Individual European Cover for those aged 70-79 £359.99
Individual Worldwide Cover for those aged 40-49 £199.99
Individual Worldwide Cover for those aged 50-59 £299.99
Individual Worldwide Cover for those aged 60-69 £399.99
Individual Worldwide Cover for those aged 70-79 £449.99
Couple
European
Cover for
those aged
40-49		 £279.99
Couple
European
Cover for
those aged
50-59		 £359.99
Couple
European
Cover for
those aged
60-69		 £439.99
Couple
European
Cover for
those aged
70-79		 £479.99
Couple
Worldwide
Cover for
those aged
40-49		 £349.99
Couple
Worldwide
Cover for
those aged
50-59		 £449.99
Couple
Worldwide
Cover for
those aged
60-69		 £549.99
Couple
Worldwide
Cover for
those aged
70-79		 £599.99
Family European Cover for those aged 40-49 £359.99
Family European Cover for those aged 50-59 £439.99
Family European Cover for those aged 60-69 £519.99
Family European Cover for those aged 70-79 £559.99
Family Worldwide Cover for those aged 40-49 £449.99
Family Worldwide Cover for those aged 50-59 £549.99
Family Worldwide Cover for those aged 60-69 £649.99
Family Worldwide Cover for those aged 70-79 £699.99

Start Your Cover

The Scheme will be open to Forces Pension Society members from the 1st November 2024, by clicking on the button below.

Join Now

Scheme Documentation

Important Notice – Changes To Your Cover
Terms of Business Agreement
INSURANCE PRODUCT INFORMATION DOCUMENT
Evidence of Insurance
Benefits Summary

Here are the answers to some frequently asked questions:

Section 4 – Loss of deposits, cancellation, and curtailment

We will pay up to the limits shown any irrecoverable payments and charges (whether paid or contracted to be paid) that you cannot get back from anyone else or which cannot be transferred or used for another purpose for each insured member in any period of cover if you are forced to cancel your trip unexpectedly before the start date or curtail your trip before completion, which you could not have foreseen if the Foreign, Commonwealth and Development Office (FCDO) or the government of the country you were due to visit change the travel advice to advise against all or all but essential travel within 50 miles of your chosen destination.

In order to be eligible for cover, any person to be insured under the policy must be medically “fit to travel” on the date of departure on your trip.

Please see the “About the Scheme & Eligibility” section of this website to check how “fit to travel” is defined under the policy.

If you are in any doubt about whether you or any other person(s) are medically fit to undertake a trip, it is advisable to consult a doctor.

Members have the flexibility to join the scheme at any point. FPStravelcover Scheme automatically renews each year on the 1st of November (the renewal date) for all existing members.

You have the right to cancel your policy at any time. If you cancel within the 14 day ‘cooling off’ period (from the date you receive the policy documents) then a full refund of premium paid will be made, provided no claim has been made or is intended to be made. Beyond the 14 day ‘cooling off’ period, provided you have not made a claim and do not intend to make a claim, you may cancel the policy and we will refund 1/12th of the total premium paid, for each full calendar month remaining in your current period of cover from the date of cancellation.

Just ask your doctor to complete and sign the medical certificate included in the cancellation claim form. You will need to send this to our claims handlers along with your overseas trip booking invoice, receipt and cancellation invoice.

Be sure to obtain a doctor’s letter confirming that you need to curtail your trip and return home. We will also need your holiday booking invoice and receipt to support your claim.

Immediately arrange for any medical treatment you need but please be sure you contact our International Medical Emergency Assistance Company, Mayday Assistance as soon as possible on +44 (0) 1273 624 661. You must obtain a detailed receipt for all the treatment that you receive.

Please get written confirmation from the doctor who is treating you that you are unfit to travel at the scheduled time. The policy can provide cover for any additional accommodation and travelling expenses you incur (of a similar standard to what you originally booked and paid for). Please keep any receipts for such expenses as they will be needed when you make a claim.

If travel is undertaken against the advice of a Medical Practitioner the policy will not pay a claim.

If you lose your baggage or it is stolen, report this to the police within 24 hours of discovery and get a Police Report. If your baggage is lost or damaged whilst being carried by an airline, railway, coach, or ship, report this in writing to the carrier as soon as possible (at least within three days). Make sure you receive a Property Irregularity Report or similar documentation. Please keep copies of any correspondence you send or receive, as well as the retained portion of the travel tickets and baggage tickets.

In the event of your baggage being damaged, obtain an estimate for the repair. If the article is not repairable, get a letter of confirmation from the repairers. Please retain the damaged item wherever possible.

To support a claim for damaged and lost items we will require receipts showing the purchase price and date of purchase.

If your baggage is delayed for more than 12 hours, get written confirmation of this from the carrier. You will also need receipts to support your claim for any emergency purchases you have to make.

Report it to the police within 24 hours of discovery and get a Police Report. If you incur costs when obtaining replacement documentation e.g. extra travel, unplanned accommodation, or statutory charges, be sure to keep all your receipts.

Report this to the police without delay – certainly within 24 hours of discovering the loss.
Please get a Police Report.

If you have lost Travellers Cheques you should report this immediately to the local branch, agent or issuing authority and apply to them for a refund. If, for any reason, you are unsuccessful in getting a refund, you will need a letter from them confirming this fact.

If you have lost your foreign currency you will need evidence of conversion from the bank, such as a currency conversion bank slip.

If you have lost sterling or cheques you will need confirmation of cancelled cheques and bank statements.

If your transport breaks down, please make every effort to reach the point of departure from or return to the UK on time. Should you still miss your flight, train, coach, ship, ferry or cross-channel train, get a receipt for any alternative transport needed to reach your destination. If public transport let you down, please obtain written confirmation from the carrier explaining the cause.

Please obtain detailed confirmation from the carrier (or their handling agent) explaining the reasons for the delay, its precise duration and the original itinerary.

We will require the name and address of the person injured; a full description of the injuries suffered; plus full details of the accident – including how, when, and where it occurred.

Please note: It is a condition of any claim that the insured member shall make no admission, offer, promise, payment, or undertaking of payment without any claims handler’s prior written consent.

If you are travelling to any of the countries in the European Union, a European Health Insurance Card or UK Global Health Insurance Card (UK GHIC) entitles you to state healthcare in Europe at a reduced cost or sometimes for free Application forms for the new UK Global Health Insurance Card (UK GHIC) are available from any main Post Office or go online at www.nhs.uk and search ‘GHIC’.

If you hold either a European Health Insurance Card or UK Global Health Insurance Card (UK GHIC) before you travel – and use it to reduce the cost of a claim for medical expenses – we will not deduct the normal excess charge from your claim.

A Chronic Breathing Condition means the following:

  • Severe Allergic Asthma, Asthma with fixed airflow obstruction, Night time (Nocturnal) Asthma, Obstructive Sleep Apnea
  • Chronic Obstructive Pulmonary Disease (COPD)
  • Chronic Bronchitis
  • Cystic Fibrosis/Bronchiectasis
  • Emphysema
  • Lung Cancer
  • Lung Hernia
  • Pleural Effusion
  • Pneumonia

If you are unsure as to the nature of a condition you should contact your General Practitioner.

A Terminal Prognosis means a terminal illness with a life expectancy of below one year at the start of the overseas trip.

Unfortunately, if you are on a trip and want to extend your cover we will be unable to do so. The policy will expire at the originally agreed date. This is because FPS, as an Annual Multi-trip policy, already provides for a travel period of up to 65 days (45 days Caribbean, USA, or Canada).

As an insured member of FPStravelcover you will be contacted in advance of your policy renewal (the scheme anniversary date, 1st November) and unless otherwise advised we will automatically renew your policy using the auto-renewal option on your credit/debit card. This provides continuity of cover should you be on a overseas trip. Should you change or amend your card details the onus is on you to inform us prior to the scheme anniversary date. Failure to do this will mean your policy will not be renewed and therefore cover will cease at the scheme anniversary date.

Call us: 02392 419 856

(Monday to Friday 9am – 5pm, closed Bank Holidays)

Join Now

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FPStravelcover is a trading name of P J Hayman & Company Limited, authorised and regulated by the Financial Conduct Authority; firm reference number 497103.