Over 50’s Annual Travel Scheme

Especially for members of the Civil Service Pensioners Alliance

Worldwide Cover, No declaration of medical conditions

About CSPA Travel Cover

CSPA Travel Cover provides tailored travel insurance to members of the Civil Service Pensioners Alliance (CSPA). 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 CSPA, 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 CSPA aged between 50 and 79 and their families.

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

01622 766 960

(Monday to Friday 9am–5pm excluding bank holidays)

Or click HERE

About the Scheme & Eligibility*

  • Open to members of CSPA aged between 50 and 79 and their families
  • Travel is solely for leisure purposes

To be eligible for cover you must: 

  • Be a UK resident CSPA member
  • Be aged between 50 and 79 at the time the first period of cover starts (thereafter no upper age limit will apply)
  • 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 installment 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:
If you had contacted your medical practitioner at the time of taking out this insurance and/or prior to booking your planned trip, and before the trip departure, he/she would not have advised against travel and/or between booking and departure any and all pre-existing medical conditions must be stable and well-controlled both as to the individual condition and treatment (s) thereof and/or there exists no known likelihood of any medical tests, investigations or major variation of treatment or medication between booking travel and the date of departure or whilst travelling.

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.

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 CSPA member, aged between 50 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 50’s Annual Travel Scheme

CSPA Travel Cover is available to all CSPA members aged between 50 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 and 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 (as defined in the policy), do not have a chronic breathing condition, 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 £2,000
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 £1,500
Up to £350
Delayed baggage (more than 12 hours)* £150
Personal money, (e.g. cash, travellers cheques, travel tickets)
Cash limit		 Up to £500
Up to £250
Loss of passport £250
Delayed departure: every 12 hours* £50 up to maximum £200
Extended delay £2,000
Missed departure £1,000
Catastrophe cover* £300
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.

Policy 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 July (renewal date) for all existing members.

Prices include Insurance Premium Tax at 20%

Annual premiums for CSPA Travel Insurance Scheme for the year commencing 1st July 2024:

Individual European Cover for those aged 50-59 £169.99
Individual European Cover for those aged 60-69 £259.99
Individual European Cover for those aged 70-79 £339.99
Individual Worldwide Cover for those aged 50-59 £199.99
Individual Worldwide Cover for those aged 60-69 £299.99
Individual Worldwide Cover for those aged 70-79 £399.99
Couple European Cover for those aged 50-59 £219.99
Couple European Cover for those aged 60-69 £309.99
Couple European Cover for those aged 70-79 £409.99
Couple Worldwide Cover for those aged 50-59 £239.99
Couple Worldwide Cover for those aged 60-69 £359.99
Couple Worldwide Cover for those aged 70-79 £479.99
Family European Cover for those aged 50-59 £249.99
Family European Cover for those aged 60-69 £369.99
Family European Cover for those aged 70-79 £489.99
Family Worldwide Cover for those aged 50-59 £279.99
Family Worldwide Cover for those aged 60-69 £419.99
Family Worldwide Cover for those aged 70-79 £559.99

Start Your Cover

The Scheme will be open to members of the Civil Service Pensioners Alliance from 1st July 2024, by clicking on the button below.

Join Now

Scheme Documentation

DEMANDS & NEEDS STATEMENT
INSURANCE PRODUCT INFORMATION DOCUMENT
Evidence of Insurance
Benefits Summary

Here are the answers to some frequently asked questions:

Cover is under Section 1A – Medical and additional expenses or Section1B – International Emergency Medical Assistance. We will also provide cover under Section 4 – Loss of deposits, cancellation and curtailment if an insured member is forced to cancel his/her trip before the start date or curtail his/her trip because the insured member became ill with an infectious or contagious disease, including contracting Covid-19, in the 14 days prior to the start date of your trip or at any time during your trip. For full details of the cover provided under these sections of cover please see the Evidence of cover.

If, in the 14 days prior to the start of your trip or at any time during your trip, an insured member becomes ill following a positive diagnosis of Covid-19 and you are forced to cancel your trip or curtail your trip before completion, the insurance provides the following cover:

• For cancellation prior to departure – Cover for any irrecoverable cancellation costs and charges if you are unable to travel to or enter any country because you have tested positive for Covid-19 and are unable to demonstrate that you are symptom free or have tested negative for Covid-19. This cover is only provided where you were travelling to a country which requires you to provide evidence of a negative test for Covid-19 prior to travelling to or entering the country;

• For curtailment after departure – Cover for any irrecoverable unused travel and accommodation costs, any other pre-paid charges which you have paid or are contracted to pay, and any additional travel expenses incurred.

There is no cover under this insurance:

• For irrecoverable cancellation costs and charges unless you provide evidence that you have been unable to travel to or enter any country because you have tested positive for Covid-19. You must provide the result of a test carried out by a testing provider who has self-certified as meeting the UK Government’s minimum standards for general population testing services. You can find a list of such providers on the UK government website.

• For any irrecoverable unused travel and accommodation costs, any other pre-paid charges which you have paid or are contracted to pay, and any additional travel expenses incurred, if you are unable to provide evidence from a medical practitioner confirming that you have contracted Covid-19;

• If you cancelled or curtailed your trip because:

– you chose to quarantine or isolate as a result of exposure to an infectious or contagious disease including Covid-19; or

– you simply did not want to travel or had a fear of travelling.

Yes, if you are going on a cruise and wish to receive the cover provided under Medical and Additional expenses or Cancellation and Curtailment.

Please be aware:  There is no cover for Cabin Confinement, Missed Embarkation, Change of Cruise Itinerary, Unused Excursions, Loss/theft/damage in Formal Cruise Attire if delayed in transit.

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” at the time of taking out this insurance, when booking your trip, when paying any further balance or instalments towards the final cost of the trip up to the date of departure, or whilst travelling.

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.

We will confirm the commencement date of your insurance once we have received and approved your Application Form and Direct Debit Mandate.

Members have the flexibility to join the scheme at any point. However, the annual cost is the same for all members. Therefore, regardless of when you join, the full annual cost will be required even if you join halfway through the Insurance year. The CSPA Travel Insurance Scheme automatically renews each year on the 1st of July (the renewal date) for all existing members.

This means you will pay the same premium if you join the scheme on 1st June or, for example, on 1st November.

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 respond to any claim event.

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 CSPA, 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 CSPA you will be contacted in advance of your policy renewal (the scheme anniversary date, 1st July) 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 an 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: 01622 766 960

(Monday to Friday 9am – 5pm excluding bank holidays)

Join Now

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