Over 40’s Annual Travel Scheme

Especially for associations/organisations affiliated with Trinity Insurance Services Ltd

European or Worldwide Cover

No declaration of medical conditions

About Combined Services Travel Cover

Combined Services Travel Cover provides tailored travel insurance to members of associations/organisations affiliated with Trinity Insurance Services Ltd. 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 combined services, 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 associations/organisations affiliated with Trinity Insurance Services Ltd 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 419009

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

Or click HERE

About the Scheme & Eligibility*

To be eligible* for cover you must:

  • Be a UK resident and a member of an association/organisation that is affiliated with Trinity Insurance Services Ltd
  • Be aged between 40 and 79 at the time the first period of cover starts (thereafter, no upper age limit will apply)

* To be eligible for this insurance, you must be a member of an eligible UK Armed Forces association at the time of application and throughout the period of cover. If you are unsure whether you have a valid membership, please check with that association before purchasing the policy.

You must be medically fit to travel

You will not be eligible for cover under this insurance if you suffer from a chronic breathing condition. A sample list of these conditions is given in the Evidence of Insurance document.

There is no cover under Cover Section 4 (Loss of Deposits, cancellation, and curtailment), unless you are 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.

There is no cover under all Cover Sections other than Cover Section 4 (Loss of deposits, cancellation & curtailment) unless you are medically fit to travel on the date of departure on your 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 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 an insured member is terminally ill (by which we mean the insured member has a life expectancy of below one year at the start of the trip) we will not pay claims under Cover Section 1 – Medical benefit nor Cover Section 4 – Loss of deposits, cancellation and curtailment, where curtailment of your trip is caused directly or indirectly by that terminal illness.

Join the Scheme

Combined Services Travel Cover

Combined Services Travel Cover is available to someone who is a member of an association/organisation that is affiliated with Trinity Insurance Services Ltd and is aged between 40 and 79 years of age that resides in the UK.

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

What’s included

  • Europe 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 and do not suffer from a chronic breathing condition.

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.

Pricing

Members have the flexibility to join the scheme at any point. If you join the scheme partway through the year, the premium will be on a pro-rata basis. 

Membership of the scheme automatically renews each year on the 1st of October (renewal date) for all existing members and the full annual premium will be due.

Annual premiums for Combined Services for the year commencing 1st October 2025:

Individual European Cover for those aged 40-49 £169.99
Individual European Cover for those aged 51-59 £249.99
Individual European Cover for those aged 60-69 £329.99
Individual European Cover for those aged 70-79 £379.99
Individual Worldwide Cover for those aged 40-49 £219.99
Individual Worldwide Cover for those aged 51-59 £319.99
Individual Worldwide Cover for those aged 60-69 £429.99
Individual Worldwide Cover for those aged 70-79 £489.99
Couple
European
Cover for
those aged
40-49		 £289.99
Couple
European
Cover for
those aged
51-59		 £369.99
Couple
European
Cover for
those aged
60-69		 £449.99
Couple
European
Cover for
those aged
70-79		 £499.99
Couple
Worldwide
Cover for
those aged
40-49		 £369.99
Couple
Worldwide
Cover for
those aged
51-59		 £479.99
Couple
Worldwide
Cover for
those aged
60-69		 £579.99
Couple
Worldwide
Cover for
those aged
70-79		 £649.99
Family
European
Cover for those
aged 40-49		 £369.99
Family
European
Cover for those
aged 51-59		 £449.99
Family
European
Cover for those
aged 60-69		 £529.99
Family
European
Cover for those
aged 70-79		 £579.99
Family
Worldwide
Cover for
those aged
40-49		 £469.99
Family
Worldwide
Cover for
those aged
51-59		 £579.99
Family
Worldwide
Cover for
those aged
60-69		 £699.99
Family
Worldwide
Cover for
those aged
70-79		 £759.99

Start Your Cover

The Scheme will be open to people who are members of associations/organisations affiliated with Trinity Insurance Services Ltd from the 1st October 2025, by clicking on the button below.

Join Now

Scheme Documentation

Demands & Needs Terms of Business
INSURANCE PRODUCT INFORMATION DOCUMENT
Evidence of Insurance
Benefits Summary

Here are the answers to some frequently asked questions:

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 during the year.

The annual cost is the same for all members.

Membership of this Scheme automatically renews each year on the 1st of October (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.

You should, in the first instance, contact the International Medical Assistance. Mayday Assistance will then advise on and can put in place suitable repatriation plans to get you home as soon as it is medically safe to do so.

Immediately arrange for any medical treatment you need but please be sure you contact our International Medical 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 your policy will not pay out in the event of 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 such as:

  • 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 Combined Services Travel Cover, 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 Combined Services Travel Cover you will be contacted in advance of your policy renewal (the scheme anniversary date, 1st October) 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.

If you have chosen a Europe only cover, any payment, which is made towards a Worldwide trip, either in full or as a deposit, would not be covered unless you upgrade cover. Any upgrade in cover must be completed within 7 days from the date of booking the trip to be covered for cancellation of these costs already paid for that trip.

If you upgrade cover after this time, only future payments or instalments towards the trip will be covered for cancellation.

Call us: 02392 419009 

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

Join Now

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