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Over 50’s Annual Travel Scheme
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Especially for NFOP members
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Worldwide Cover
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No declaration of medical conditions
About NFOP Travel Insurance
The NFOP Travel Insurance Scheme provides tailored travel insurance, underwritten by Lloyd’s Syndicate 4444 which is managed by Canopius Managing Agents Limited, to members of the NFOP. Our aim is to provide a quality service at a standard that provides true peace of mind to the frequent traveller. In working with NFOP we have designed a travel insurance product that members can rely on; easily accessed Online or via our expert Travel Team who are ready to assist.
The scheme is open to all UK resident members of the NFOP aged between 50 and 79 and their families.
About the Scheme & Eligibility*
- Open to members of NFOP 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 NFOP 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) for all Cover Sections other than Cover Section 4 (Loss of Deposits, cancellation and curtailment) be medically fit to travel on the date of departure on the trip;
(b) for Cover Section 4 (Loss of Deposits, cancellation and curtailment) be medically fit to travel:
• 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
• on the date(s) you pay any further balance(s) or instalments towards the final cost of the trip.
Being medically fit to travel means:
(i) 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
(ii) 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
(iii) you are not awaiting surgery for any diagnosed medical condition unless your medical practitioner has confirmed that you are medically fit to travel; and
(iv) 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 medical practitioner if you have any doubts about whether any insured member is medically fit to undertake a trip.
* Eligibility – You must be a UK resident NFOP 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.
Over 50’s Annual Travel Scheme
The NFOP Travel Insurance scheme is available to all NFOP 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 lapsed.
What’s included
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 | Up to £5,000 |
Curtailment | Up to £5,000 |
Medical and additional expenses+ | Up to £5,000,000 |
Emergency dental treatment | Up to £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)* | Up to £150 |
Personal money, (e.g. cash, travellers cheques, travel tickets) Cash limit |
Up to £500 Up to £250 |
Loss of passport | Up to £250 |
Delayed departure: every 12 hours* | £50 up to maximum £200 |
Extended delay | Up to £2,000 |
Missed departure | Up to £1,000 |
Catastrophe cover* | Up to £300 |
Legal expenses* | Up to £25,000 |
Personal liability* | Up to £2,000,000 |
UK travel cover | Various amounts payable |
Winter sports cover | Various amounts payable |
Please note: 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
The annual cost is the same for all members. 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 March (the renewal date) for all existing members.
Annual premiums for the NFOP Travel Insurance Scheme for year commencing 1st March 2025:
Individual European Cover for those aged 50-59 | £189.99 |
Individual European Cover for those aged 60-69 | £279.99 |
Individual European Cover for those aged 70-79 | £359.99 |
Individual Worldwide Cover for those aged 50-59 | £229.99 |
Individual Worldwide Cover for those aged 60-69 | £319.99 |
Individual Worldwide Cover for those aged 70-79 | £419.99 |
Couple European Cover for those aged 50-59 |
£239.99 |
Couple European Cover for those aged 60-69 |
£329.99 |
Couple European Cover for those aged 70-79 |
£439.99 |
Couple Worldwide Cover for those aged 50-59 |
£269.99 |
Couple Worldwide Cover for those aged 60-69 |
£389.99 |
Couple Worldwide Cover for those aged 70-79 |
£519.99 |
Family European Cover for those aged 50-59 | £269.99 |
Family European Cover for those aged 60-69 | £399.99 |
Family European Cover for those aged 70-79 | £499.99 |
Family Worldwide Cover for those aged 50-59 | £299.99 |
Family Worldwide Cover for those aged 60-69 | £449.99 |
Family Worldwide Cover for those aged 70-79 | £599.99 |
Apply
To apply for cover you can call us on 01622 766960 (this is a basic rate number) Monday to Friday, 9am to 5pm.
Download and complete the Application Form and Direct Debit Mandate.
Complete both forms and post to:
NFOP Travel Insurance
1st Floor
Gail House
Lower Stone Street
Maidstone
Kent
ME15 6NB
Or email your completed forms to: sales@csis.co.uk
If you are posting or emailing your application forms, please be aware no cover can be incepted until the Application Form (including the Direct Debit Mandate) is received and accepted by CSIS. As a NFOP member scheme we encourage all insured parties to join the organisation.
Here are the answers to some frequently asked questions:
Scheme Administrator: CSIS
NFOP Travel Insurance is administered by the Civil Service Insurance Society, authorised and regulated by the Financial Conduct Authority under firm reference number 304151.
No personal recommendations are made for customers.
All information provided is to enable a customer to make his/her own purchasing decision.
Contact Form
To send us a message, please fill in the fields below and click ‘send’. We will aim to reply within one working day.
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Call us:
01622 766960
Telephone Opening Hours
Monday-Friday 9am-5pm
Excluding Bank Holidays
Email us:
Write to us:
NFOP Travel Insurance
CSIS
1st Floor
Gail House
Lower Stone Street
Maidstone
Kent ME15 6NB
NFOP Travel Insurance is a trading name of P J Hayman & Company Limited, authorised and regulated by the Financial Conduct Authority; firm reference number 497103.