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What is medical screening and why do I have to go through it?

Medical screening provides the insurer with all the relevant facts to make a decision on whether they can offer travel insurance.

It is used to calculate a risk score, which is determined from the questions you answer during medical screening. There will be a score for each of your medical conditions. The total score may also be affected by where you are travelling to. This is then used by the insurer to determine whether they will cover you and on what terms.

All of this may sound daunting. However, you will just need to answer a series of multiple-choice questions that takes a few minutes. Some of them might seem personal, but your answers are completely confidential. It is very important that you answer the questions as accurately as you can to ensure that you are covered. If you do not answer the questions, correctly, it may affect any claim.

Cervical Screening Awareness Week

Why cervical screening is so important

I was surprised to learn that there are around 5 million women in the UK that are invited to attend a cervical screening, more commonly known as a smear test and yet 20% of these women don’t attend their screening appointment – that is 20% too many!

Cervical screening is an important test which takes samples from the cervix to detect abnormalities within the cells, that may go on to develop into cancer or that may have already done so. Screening will also detect human papillomavirus (HPV) and the more persistent strains of this virus the more chance of it causing cervical cancer. HPV is prevalent in sexually active adults and four out of five will at some stage of their life come into contact with it.
According to Jo’s Cervical Cancer Trust there are as many as 3,000 women diagnosed with cervical cancer in the UK each year. It is estimated that early detection and treatment through cervical screening can prevent up to 75% of cervical cancers from developing. Screening is provided free of charge by the NHS and not attending your appointment is one of the biggest risk factors for developing cervical cancer.

Causes of cervical cancer

As with most cancers, smoking can pose an increased risk as it causes abnormalities in the cells of the cervix.

Other risk factors could be:

  • Having children at a very young age
  • Giving birth to too many children
  • A weakened immune system
  • If your mother was given infertility drugs whilst being pregnant
  • Long term use of the contraceptive pill (more than 10 years) can slightly increase the risk

It is a myth that it is caused by promiscuity or infidelity, however the more sexual partners you have and the younger you are when you have your first sexual encounter, the more likely you are to come into contact with the more serious strains of HPV.

How many of you over the age of twenty can say you are one of the 20% that have ignored an invitation to attend a screening or made an appointment, then cancelled it at the last moment because of the fear of the unknown, or anxiety from previous experiences. I know that in my younger years and prior to me having my daughter, I didn’t miss any appointment however, this was no easy feat.

I think most women will admit that it is not a pleasant experience. Yes it can be uncomfortable, un- dignified and daunting especially if you are young, not yet had babies or do not like to going to the doctors, I can empathise with you as I used to feel the same way. However, since being pregnant with my daughter and the process of labour and giving birth, my thoughts have changed considerably.

If you can arrange an appointment with the practice nurse or a female doctor that will help with your anxieties and I can imagine it is not pleasant for them either. I find the topic of conversation is not about the procedure but anything else that comes to mind. I remember the last time I was rambling on about the length of the queue in the supermarket and how much the cost of food has gone up by and guess what; before I knew it the deed had been done.

I still find it incredible to believe that one million women cannot find 15 minutes out of one day, once every 3 or 5 years depending on where you live, to have such an important test and remember this is a test provided free by the NHS, there is no charge and could save your life.

I would hope the media coverage and the very public viewing of Jade Goody’s battle with cervical cancer, has made a lot of women sit up and take note of how serious this cancer is and yet with early detection and a screening reliability rate of 80-90%, cervical cancer can be prevented in 60-80% of cases. This is the same as 7 out of 10 women being prevented from developing cancer of the cervix.

You may be interested to hear that 2% of cancers diagnosed in women are cervical cancers and it is the most common cancer in women under 35 years old and despite this, it is this age group that appears to avoid the screening test.

Cervical screening in summary

  • An abnormal screening rarely means cancer
  • Between 90-94% of all screening results are negative
  • Regular screening offers the best form of protection
  • It is free, but make sure your GP has your current contact details
  • Screening saves 5000 lives a year
  • Ask a friend or family member to go with you for support, rather than not go at all

My health is important to me more than ever now I have a family, but then again why wasn’t it before? I can say that if I was to develop cervical cancer it wouldn’t be from not attending my routine cervical screening or from any of the risk factors above, but for other reasons. Can you say the same?

UK Flight Restrictions Are Being Lifted

the end of UK flight restrictions

UK flight restrictions have been in place to protect British nationals against the risks of international travel during a pandemic. However, these are now being eased. The hope is that travel will soon begin to return to normal and we can all enjoy trips overseas again.

For up to date information about your trip, your travel provider should contact you to state if/when your flight can depart. They will also explain any alternative arrangements which need to be made.

Despite the coronavirus restrictions beginning to lift and international travel reopening, the situation will continue to evolve. You can make an informed decision to fly but make sure you base it upon advice from the Foreign Commonwealth Office (FCO).

Whether travel is essential or not is down to your personal circumstances and if you do travel, Free Spirit can provide you with COVID-19 cover to do so.

When will flights restart?

The information below is correct at the time of publishing. However, always check in advance with your airline because this could change quickly.

    • British Airways: Some are running already but no date is available for when more can resume.
    • Easyjet: Some (mainly within the UK) are already running.
    • Emirates: Some are already running.
    • Jet2: Will restart from Wednesday 15th July.
    • KLM: Will restart from Wednesday 15th July.
    • Norwegian: Some European flights resumed on Wednesday 1st July.
    • Qatar Airways: Some are already running, more will restart in July.
    • Ryanair: Some are already running. 40% of flights resumed on Wednesday 1st July.
    • Tui: Selected routes will restart from Saturday 11th July.
    • Virgin Atlantic: Some long-haul flights from Heathrow will resume from Monday 20th July and 17 destinations will be added from August, which will fly from Heathrow or Manchester.
    • Wizz Air: Has been gradually restarting selected routes since May.

Will I need to wear a mask when I fly?

Most airlines will stipulate that a face covering of some description will need to be worn. As for the particulars, please check with your airline well in advance. We have gathered the most recent advice from the main brands below as a starting point:


Are Face Masks Mandatory?

British AirwaysYes - you must bring your own
EasyjetYes - you must bring your own
EmiratesYes - masks provided by the crew
Jet2To be confirmed
KLMYes - you must bring your own
NorwegianTo be confirmed
Qatar AirwaysTo be confirmed
RyanairYes - you must bring your own
TuiYes - you must bring your own
Virgin AtlanticYes - masks provided by the crew
Wizz AirYes - you must bring your own

UK Flight restrictions during the pandemic

What do I need to consider when flying during the coronavirus pandemic?

  • Always plan ahead. Prepare for the possibility that flights will be disrupted, and read the travel restrictions of the country you intend to visit.
  • Visit the National Travel Health Network and Centre – TravelHealthPro website – to research and keep up to date with the health risks of your chosen destination.
  • Check the Gov UK foreign travel advice website, to see if your chosen destination has lifted its flight restrictions, which can be changed at any time and without warning. For real-time updates, follow the Worldwide Foreign Office social media account of the country you are going to.
  • Check the validity of your travel insurance. You can download and read our policy in full here. However, cover will not be provided if you choose to travel to a country that the FCO advises against travelling to.
  • While away, always follow the coronavirus travel rules. For instance, in Spain flight restrictions have been lifted for tourists. So if you do travel there, you will not have to go into quarantine on arrival but you will need to observe social distancing and obey hygiene regulations.

Are there international flight restrictions?

Restrictive measures have also been put in place to protect everyone at airports around the world.

What restrictive measures have been put in place at airports?

  • Enhanced health screening at arrival and departure areas.
  • Entry restrictions for people travelling from certain countries. For example, arrivals to some airports may be subject to a period of mandatory quarantine, depending on where they have travelled from.
  • Stringent health, safety, hygiene and security measures at every step of the journey to protect everyone’s health (members of ABTA).
  • The majority of airports will undergo enhanced cleaning and many may limit terminal access exclusively to those who have a ticket.
  • The wearing of masks could be mandatory in many airports. Read our blog entitled: Will face masks be compulsory? For more detailed information.

On balance, there are some countries that have not been hit by the Coronavirus pandemic. However, all countries will be taking precautions at airports to ensure people keep safe and healthy. What is more, every country will be rightfully cautious against bringing in more cases of the disease for fear it will cause an outbreak.

COVID- Free Countries

At present, some countries have remained free from the coronavirus pandemic. In the future, some of these could be a perfect – and safe – holiday destination to bear in mind.

10 COVID-free countries:

  • Kiribati, which sits 2,500 miles southwest of Hawaii.
  • The Marshall Islands, found in the Pacific Ocean, between Hawaii and the Philippines.
  • Micronesia, a country that compromises of more than 600 islands, spread across the Pacific Ocean.
  • Nauru, a tiny island, 33 miles south of the Equator.
  • Palau, an archipelago of 500 islands, in the western Pacific Ocean.
  • Samoa, a country made up of two islands in Polynesia.
  • The Solomon Islands, which are a member of the Commonwealth and found in the Pacific Ocean.
  • Tonga, a Polynesian kingdom in the South Pacific.
  • Tuvalu, in the South Pacific. An independent nation within the British Commonwealth.
  • Vanuatu, which is found in the South Pacific Ocean.

Safe Tourism Certification Program

Turkey, another popular destination, has taken steps to make visitors feel safer by introducing a Safe Tourism Certification Program.

“Our new certification…covers preventive and protective steps for all aspects of the holiday experience. In order to obtain the certificate, all transportation and accommodation facilities must … take all precautions to provide a healthy holiday to guests.”

This is an example likely to be followed by other countries in the coming weeks.

In the UK, the government has suggested air bridges…

What is an air bridge?

Air bridges or travel corridors give people the opportunity to travel between two countries, without the need to go into quarantine on arrival or when returning to the UK.

However, the countries that the UK government will decide to link with are dependent upon the rate of cases per 100,000 in a country’s population. The Government also wants to link with countries, which have an active coronavirus test and trace system comparable to Britain’s.

Where are air bridges likely to be?

  • Spain
  • Italy
  • Greece
  • Germany
  • France

Remember that the usual UK flight restrictions regarding liquids, medications, and baggage allowance will still be in place.

If you do become ill overseas, in the first instance, seek care and support from the country you are in. Then when you are well, follow the countries flight restrictions with Covid-19 and travel rules to board your homeward journey safely.

On the other hand, if you want to holiday in the UK due to concerns about the Coronavirus pandemic, find out what you are covered for with our UK Holiday Insurance.

Please note that the information in this post relates to English regulations. If you live in Scotland, Wales or Northern Ireland there may be some differences to the details given above.

Four BIG improvements to Free Spirit

Free Spirit New Policy

In the coming weeks, the easing of lockdown for travel will follow the easing of coronavirus restrictions across the UK. Although travel may look very different. We have adapted by innovating our policies, so you can travel with peace of mind, whatever your age or medical condition.

We have recently delivered cover for emergency medical and repatriation costs if you are taken ill abroad during the coronavirus pandemic and introduced Free Spirit Covid Travel Insurance. Plus, we provide UK Travel Insurance. If you have a Free Spirit Annual Multi-Trip Policy in place, it will give cover for trips in your region of choice and the UK.

Now, we want to inform you of four big changes to our policy, to provide you with more cover to travel confidently…

1: Free Spirit’s Policy now covers people who are on a waiting list

The struggle is over! We are one of a rare group of specialist providers that can provide cover for everyone to travel with confidence, if they are on a medical waiting list or not.

Free Spirit's Policy

Cover will be given to those who are waiting for, or have knowledge of the need for:

  • Surgery
  • Inpatient treatment
  • Investigation
  • A specialist consultation referral.

As long as this is in relation to a diagnosed medical condition, you can declare it during the medical screening section of your quote application. However, any medical condition(s) that is not declared to and accepted by us, will not be covered.

For a quote, click here.

2: End Supplier Failure Insurance

End supplier failure insurance is good to have if your travel or accommodation provider suffers from financial failure before or after your departure.

For each insured-person this insurance will pay:

Up to £2,500 to replace irrecoverable sums paid prior to the financial failure of the scheduled airline or End Supplier (including but not limited to hotel, train operator including Eurostar, villas abroad & cottages in the UK and coach operators) not forming part of an inclusive holiday prior to departure.

Make sure you supply confirmation that the end supplier has stopped operating; keep your original purchase receipts, any unused travel tickets or accommodation vouchers.

For a quote, click here.

3: Gadget cover is standard on every Free Spirit Policy

Before, gadget cover was a stand-alone mobile phone and tablet insurance policy. However, it will now be included for all levels of cover on our Free Spirit Policy. A great benefit if you love taking your newest gadgets on holiday, to help enhance and remember your trip.

Free Spirit's Policy

What does gadget cover include? 

Free Spirit gadget cover is provided for:

  • Theft
  • Accidental damage
  • Loss
  • Breakdown and unauthorised call/data use for your gadgets

Which handheld devices can cover be provided for?

  • Mobile phones
  • Tablets and iPad
  • Kindles
  • Satnavs
  • Cameras, lenses and camcorders
  • Smartwatches and smart glasses
  • Head-mounted displays
  • Handheld games consoles
  • Portable DVD players
  • Headphones, wireless speakers, MP3 players and iPods

Gadget cover has also been integrated into the policy, for both Super and Super Duper levels of cover but your electronic, handheld device must be no more than 48 months old, at the date you started your trip.

For each insured-person this insurance will pay:

  • Super policy limit per person: £1,000
  • Super policy excess per person: £50
  • Super Duper policy limit per person: £1,500
  • Super Duper excess per person: £50

Remember to keep a copy of the receipt or credit card statement for each gadget you take.

For a quote, click here.

4: Additional Activity Packs

Three additional activity packs have been added to the Free Spirit Policy. This gives you the opportunity, to add another activity pack to your policy, for an extra premium. These activity packs can be added to both Super and Super Duper levels of cover. Useful, if you’re away with adventurous children/grandchildren who may pick a leisure activity which presences, a higher level of risk.

With Super level of cover, this policy will pay out up to:

  • £10,000 for personal accident insurance per person
  • £2,000,000 for personal liability insurance per person

With Super Duper level of cover, this policy will pay out up to:

  • £20,000 for personal accident insurance per person
  • £2,000,000 for personal liability insurance per person

Also, medical cover is provided under both cover levels.

Always follow the safety guidelines provided by the professional event company or organiser when taking part in a leisure activity. If you or someone in your family is participating in a winter sport. Wear the appropriate clothing and only do activities that match the level of experience, which you have in that sport.

To view all the leisure activities and which ones Free Spirit’s policy covers for personal accident and personal liability insurance – while participating – click here.

Making a claim


Making a claim

To make claiming on your travel insurance policy easier and quicker, you can download and print the relevant claim form using the links below. We have also included some information to help you complete your claim form and let you know what documents you will need to send to us.

To navigate to the correct section of the page, please click the policy you have from the list below, then the type of claim you wish to make.

Once you have fully completed the necessary forms, please send them to us. You can find our address at the bottom of the page.

Please click the type of claim you wish to make against your Free Spirit policy. This will navigate you to the section and documents you require.


Curtailment, Medical and Other Expenses

Baggage, Personal Money and Documents

Delayed Departure, Missed Departure or Missed Connection



What should I do?

Notify the travel agent/tour operator immediately you need to cancel and obtain a Cancellation invoice. If you delay we will only pay for those that you would have had to pay on the date it would have been reasonable for you to cancel.

What documentation do I need to back up my claim?

Please complete and return the form to Travel Claims Department ensuring the following original documentation is included:

  • Schedule of Insurance (if Annual Multi-trip insurance a copy would be sufficient)
  • Medical Screening Confirmation (where applicable)
  • Booking Confirmation
  • Cancellation Invoice
  • Medical Certificate (completed by the usual GP of the person whose condition gives rise to the claim)

To download a Cancellation Claim Form click here.


Curtailment, Medical and Other Expenses

What should I do?

  • Emergency Medical

Contact the 24-hour Medical Emergency Assistance provider immediately if you are admitted as an inpatient.

  • Curtailment/cutting short your trip

Contact the 24-hour Medical Emergency Assistance provider to confirm that the reason for cutting short your trip will be covered and that your expected additional expenses are reasonable.

What documentation do I need to back up my claim?

Please complete and return the form to Travel Claims Department ensuring the following original documentation is included:

  • Schedule of Insurance (if Annual Multi-trip insurance a copy would be sufficient)
  • Medical Screening Confirmation (where applicable)
  • Holiday Booking invoice showing the date the holiday/trip was booked to travel, travel dates, destination, amounts paid and purchase of your travel insurance (if applicable)
  • All Medical Receipts and Invoices (French medical accounts should be signed by you in the ‘signature de l’assure’ box before submitting them)
  • A Medical Report from the treating doctor
  • We are unable to accept costs which are not supported by proof of payment.

Ski Pack Claims

  • Written confirmation from the treating doctor that you were unable to use the remaining proportion of your ski pack
  • Original Receipts/Invoices for the Ski Pack items showing how many days they were booked for and the amount paid

For Curtailment Claims

  • The Medical Certificate completed by the usual treating GP of the person causing the claim
  • The Tour Operator’s report into the incident which caused the curtailment (where available)
  • Any flight tickets/boarding passes etc. which confirms the return home journey

To download a Medical and Curltailment form click here.

To download a Medical Certificate click here.

Baggage, Personal Money and Documents

Damage to Baggage/Ski Equipment during your trip

Retain the items in case we wish to see them (note: You may not abandon any property to us). You will need to obtain an estimate for repair or a letter confirming that the damage is irreparable.

Delay of Baggage / Ski Equipment in transit

Retain your tickets/luggage tags and report the matter to the carrier and obtain a Property Irregularity Report form or its equivalent. If your personal baggage is delayed for more than 8 hours on your outward journey and you need to buy or hire essential items, ensure that you keep all receipts.

Loss of Baggage / Ski Equipment, Personal Money and Travel Documents during your trip

Notify the police as soon as possible (within 24 hours of discovery or as soon as possible after that) and obtain a written report and reference number from them. Also, report the loss to your tour operator’s representative or hotel/accommodation manager and if possible obtain a written report. You will be expected to provide proof of purchase/ownership and/or receipts or pre-loss valuations.

What documentation do I need to back up my claim?

Please complete and return the form to Travel Claims Department with the original documentation to support your claim including:

For all claims

  • Schedule of Insurance (if Annual Multi-trip insurance a copy would be sufficient)
  • Booking Confirmation
  • The original receipts/proof of pre-loss purchase for the items you are claiming for, in the event you are claiming for delayed luggage please forward all the original receipts for the emergency purchases (we are unable to return the receipts for the emergency purchases)

Claims for damaged items

  • Written confirmation from a trade’s person to confirm the cost to repair the item or to confirm the item is beyond economical repair

Claims where an airline/carrier is involved

  • Incident report to confirm loss/damage or delay has been reported to the carrier (as required) in the event the incident involves an airline this document is a Property Irregularity Report or PIR (we are unable to return this document)
  • Baggage delivery report/proof of delivery which will confirm the length of the delay to your baggage (we are unable to return this document)
  • Baggage tags and tickets

If your baggage has been irretrievably lost by the airline please forward

  • Written confirmation from the Airline to confirm the baggage has been irretrievably lost
  • Written confirmation from the Airline to confirm the amount of compensation due to you from them as a result of the loss of your baggage

If you have suffered a theft or lost items during your trip please forward

  • The original police report to confirm you have reported the loss (as required)
  • The local tour operator’s representatives report into the incident (where available)
  • Proof of the pre-loss drawings/currency exchange for the money you are claiming for

To download a Baggage, Personal Money and Documents Claim Form click here.


Delayed Departure, Missed Departure/Missed Connection

What should I do?

You need to obtain a letter from the airline, railway company or shipping line (or their handling agents) which shows the scheduled departure time, actual departure time and the reason for the delay. If You are delayed getting to Your Departure Point, You must provide proof of the delay (e.g. a Police or motoring organisation report) and provide receipts for necessary expenses incurred.

What documentation do I need to back up my claim?

Please complete and return the form to Travel Claims Department with the original documentation to support your claim including:

  • Schedule of Insurance (if Annual Multi-trip insurance a copy would be sufficient)
  • Booking Confirmation
  • Written report from the appropriate authorities confirming the disruption to your pre-planned travel arrangements
  • Letter from the Airline/Carrier confirming the duration of the delay and the reason for the delay
  • In the event of your Planned Travel Arrangements being disrupted please forward the Original Receipts/Proof of Payment for the incurred additional travel expenses (only)

Click here to download a Travel Delay/Disruption Claim Form

Send the original completed form & original supporting documentation to:

Travel Claims Department
P J Hayman & Company Ltd
Stansted House
Rowlands Castle

If your type of claim is not listed above, or if you would like to speak to the Travel Claims Department, please call 02392 419 020. We are open Monday to Friday 9am – 5pm, closed Bank Holidays.

Alternatively, email


  • Testimonials

    I use Free Spirit for both my business and personal travel and have always found its service to be of a very high standard.
    Director, Communications AgencyLondon
    To read reviews click here
  • Ask Mary

    Free Spirit Manager, Mary Holt is a recognised expert in medical screening and in underwriting travel insurance for people with medical conditions. You can read Mary’s Q&As or ask Mary a question directly.
    Read Q&As
    Ask Mary

Dee and Graham’s Free Spirit Journey Continues…

You may remember Dee and Graham’s adventures, which we first wrote about in November 2017.

In October 2014, Dee was diagnosed with a rare disease called Neuroendocrine Cancer. The diagnosis put a complete halt on the couples travel plans for 2015 (they were forced to cancel eight overseas holidays). However, with two infusions of some serious radionuclide treatment in 2015 and insurance cover from Free Spirit, Dee and Graham began to travel – a little – from July 2015.

To give them the chance to be more adventurous, from 2017 Free Spirit Manager, Mary Holt provided Dee and Graham with an annual policy, which they opted to renew in 2018 and again in 2019. Since then, they have continued their expeditions and regularly email us with updates on their travels.

They are ‘grateful to Free Spirit and Mary’ for their annual insurance, which gives them the freedom to visit many wonderful places.

Here are some extracts from Dee and Graham’s travel diary in 2019…

‘Hello Mary, it’s so good to hear from you. We’ll be looking for that travel insurance again, please…There is no doubt that without your cover we would not have the assurance that we could travel as much as we do and trust this situation continues’.

Free Spirit Journey South Africa


‘South Africa with 30-degree heat, to see wild animals, fantastic scenery and the Indian Ocean… definitely not enjoying this current weather in the UK… Again all with the comfort of knowing we have suitable insurance in place, thank you…We remain very happy with the cover and support that we receive from Free Spirit and of course, Mary.’

Mary is a recognised expert in medical screening and underwriting travel insurance for people with medical conditions. If you have a question about the do’s and don’ts of specialist travel, visit her Q&A page here. Additionally, read Mary’s top tips.


Dee and Graham specifically visited Malta because it is not only Dee’s home country – they wanted to experience the carnival!

‘Hello all, as always sincerely hoping that you are all well, we’re fine and have recently returned from two weeks in (mostly sunny but a bit windy sometimes) Malta… Visited especially for the annual Carnival and our Sunseeker Cruiser day trip – making a habit of this now… Carnival time – so colourful and exciting…so many people, tourists and locals alike, it’s a must to view The Grand Harbour from the Barrakka Gardens… We’re still recommending  Free Spirit to people we know who have on-going treatment.


Free Spirit Journey India

A country Dee and Graham never really had the inclination to visit but jetted off to anyway – ‘fabulous India’.

‘Hello all, we’ve been out and about again – this time to India! What an experience, everything you hear about and more – wealth and abject poverty, beauty and unbelievable dilapidation… So unbelievably colourful, with rich and poor, desolation and splendour living together… Such lovely people… Hopefully, the pictures need no explanation. Then there is the heat – average 40 degrees but we made it… Hope you are all well and will keep in touch!’

May, June and July – a time for cruising

After a one-week river cruise in Germany, Dee and Graham enjoyed a two week Baltic cruise visiting: St Petersburg, Helsinki, Copenhagen, Stockholm and Tallinn.

‘It’s special, dressing up on cruises and also visiting the Faberge Museum, to see the most eye-popping treasures on display. Another delight was seeing the Little Mermaid in Copenhagen – so serene.’


‘Two weeks in Alberta exploring the Canadian Rockies… Such a big country with the most awe-inspiring scenery and national parks. Two of the most spectacular glacier-fed lakes have to be Moraine and Louise; once seen, never forgotten… We certainly still value the travel insurance provided by Mary and the team.’


‘We love travelling to the US, and Chicago was a city we had always wanted to visit. Such a vibrant, exciting and beautiful city with outstanding architecture. The modern shiny Millennium Park Arena and the city skyline as seen from the Lake Michigan shoreline are impressive’.


‘Yet another week in Malta, this time to experience Notte Bianca, a one-night extravaganza held in the capital Valletta where all public buildings, palaces and museums are open to the public for free. The streets are alive with entertainment, eateries and music. What a night.’

NovemberFree Spirit Journey Mexico

‘Two weeks in the most amazing country, Mexico! We travelled 2,000 miles visiting cities, towns and villages to experience The Day of the Dead, which is an important celebration in Mexico and of course the Mayan Temples – a holiday that will not be forgotten in a hurry. Absolutely astonishing!’


In December, Dee and Graham’s last holiday for 2019 is a German Yuletide Market Cruise, for four nights. They believe it should be ‘fun and colourful.’ After a rest, they sincerely hope, as we do, that their health will be maintained for more holidays in 2020.

‘Again we thank Free Spirit for providing travel insurance so that we have been able to travel so much these past few years. Mary and the team are aware that we continually support Free Spirit and advocate its services to others who want travel insurance but find it such a difficult process’.

To find more holiday inspiration, view our blog page.

The NET Patient Foundation

By taking the time to understand the rare Neuroendocrine cancer and carcinoid tumours (NETs), Free Spirit were able to cover Dee and Graham when most other travel insurers would have declined them straight away. Going further, we actively support the NET Patient Foundation (NET) and two of the Free Spirit team even attended the recent NET Gala Ball to help raise funds. These funds go towards providing support and information for people affected by Neuroendocrine Cancer.

At Free Spirit, we work in partnership with over 20 charities/organisations to offer specialist travel insurance to their customers and members.  If there is a charity or organisation that you are passionate about, or have one in mind that’s made a difference in your life, let us know by emailing:

To benefit from unlimited trips in a year as Dee and Graham have, apply for an annual multi-trip policy. For more information about Free Spirit and the cover we can offer please visit our FAQ page.

Europe Travel Insurance

Europe Travel Insurance

Europe has it all. Whether it’s a holiday in the sun or a quick city break – Europe simply has something for everyone.

When travelling abroad, it’s nice to have the reassurance that you’re in safe hands. Travel insurance offers peace of mind, that if anything unexpected were to happen whilst you were away, you’re protected.

If you are planning a European getaway, it’s important your cover is tailored towards this. Therefore, Free Spirit offers European Travel Insurance. We make a conscious effort to provide specialist travel insurance that covers a number of medical conditions and disabilities for individuals of any age.

Get a hassle-free online quote anytime.

Travel Inspiration for your next European adventure

Europe has some of the most beautiful sights in the world. Its accessibility, combined with endless opportunity and adventure makes it ideal for any getaway. Whether you’re after a relaxing break in a sun-drenched spot such as the Algarve in Portugal; or an activity-packed trip exploring several stunning locations – Europe really does have it all.

If you’re looking for some inspiration on European destinations to visit, how about:

Plitviče Lakes National Park, Croatia

Plitviče Lakes National Park is a UNESCO world heritage site located near the coast of Croatia. It’s host to sixteen lakes connected by a plethora of beautiful waterfalls. It’s truly an amazing depiction of the allure of nature.

Plitvice national park Croatia
The park is open all year round however it does get busy during summer months, so if you wish to see it in its purest form without tourists, be sure to try and visit it in off-peak times.

Blue Lagoon, Iceland

The Blue Lagoon is a natural geothermal spa in Iceland. With an average temperature of 39°C, it’s nourishing waters are perfect to relax in, whilst providing health benefits too.

Blue Lagoon Iceland
However, it is important to pre-book given the Lagoon’s popularity. We recommend visiting at night for the perfect low-light experience – we promise you won’t be disappointed.

Charles Bridge, Prague

Labelled as one of the most famous bridges in Europe, and perfectly aligned with the tomb of St. Vitus, Charles Bridge is a truly spectacular landmark. The construction of the bridge boasts precision that defy the era in which it was constructed.

Charles Bridge Prague Sunset
The journey across the bridge boasts a number of eye-catching statues along with breath-taking views of the River Vltava. A construction so beautiful should rightfully be visited more than once – that’s why we recommend visiting the bridge both during the day and in the early evening.

Click to get a quote

European Travel Tips and Advice

If you’re planning on travelling to or around Europe, here are some top tips to take away with you on your travels:


Exploring some of the finest landmarks that Europe has to offer is certainly a must, from the Eiffel Tower in Paris, the Colosseum in Rome, Charles Bridge in Prague, or the Chateau de Chillon in Switzerland. Europe has a vast offering of landmarks, sights and history – the only difficulty is choosing your next location!


The EHIC card leaves many asking: ‘Do I need travel insurance for Europe?’. Well, travelling around all European Economic Area (EEA) countries and Switzerland with an EHIC card will entitle you to free or reduced cost medical care. However, the EHIC alone doesn’t cover you for everything, so it is essential to have travel insurance to ensure you are covered for any medical emergency abroad.

When travelling to Europe, many people believe the EHIC offers enough medical protection if something were to happen during your trip. However, the EHIC offers only basic state healthcare. This is made available at a reduced cost or free of charge depending on the country as well as the type and amount of medical attention required.

On the other hand, Free Spirit Travel insurance will cover emergency medical and associated expenses up to £10,000,000 (depending on the level of cover). More details are provided further down.


Although English will often be spoken in most major European cities, learning some key phrases whilst on your travels may go a long way. Some key phrases to know include:

EnglishHelloGoodbyeI Need HelpExcuse MeI’m SorryThank You
GermanHalloTschüssIch brauche Hilfe. / Hilfe!EntschuldigungEntschuldigungDanke
FrenchBonjourAu revoirJ’ai besoin d’aide. / À l’aide!Excusez-moiPardonMerci
RussianЗдравстуйте (Zdrastvuite)До свидания (Do svidaniya)Помогите (Pomoguite)!Извините (Izvinite)Простите (Prostite)благодарю вас
(blagodaryu vas)
ItalianCiaoArrivederciMi serve aiuto. / Aiuto!Mi scusiMi dispiaceGrazie
SpanishHolaAdiósNecesito ayuda. / ¡Ayuda!Disculpa (informal) / Disculpe (formal)Lo siento / PerdónGracias
TurkeyMerhabaHoşçakalYardıma ihtiyacım var. / İmdat!AffedersinizÖzür dilerimteşekkür ederim
Portuguese OlaAdeuspreciso da ajudadesculpeDesculpe-meObrigado/ Obrigada


Whilst you may assume that European countries transact with Euros, there are still a number of destinations that do not use it as their primary currency.

For example, Croatia, Denmark, Hungary, Iceland, Poland, Switzerland and Turkey as well as many others all use their native currency as opposed to the Euro. We recommend always checking the local currency before travelling.


Travelling to Europe from the UK doesn’t have to just be via plane. You can go by car or train, cutesy of the Eurostar or Eurotunnel. You can also catch a ferry or go on a cruise.

Once you’ve arrived at your destination, transport to get around the country varies. From internal travel links such as over ground to underground rail services, tramlines, cable carts, bikes, canal boats, buses and cars, the options are endless. We recommend checking the internal travel options for your location in order to understand the accessibility of your chosen region.

For tips such as travelling with a medical condition, please refer to our guides.

What does European travel insurance cover?

Free Spirit Travel insurance will cover emergency medical and associated expenses up to £10,000,000 (depending on the level of cover) as well as aftercare at home following hospitalisation. Regardless of whether or not you have a pre-existing medical condition, it is important to take out a policy that offers a suitable level of cover for medical emergencies.

Our European travel insurance covers all countries within Europe, so wherever you wish to explore, Free Spirit will cover you.

Your travel insurance quote will vary depending on not only the trip duration but also the policy type, pre-existing medical conditions, and chosen level of cover.

It is important any pre-existing medical conditions are declared during the quote application. We offer affordable travel insurance for those with medical conditions. For more information, take a look at this useful guide which shows the average cost of a European travel insurance policy.

Free Spirit Europe Travel Insurance offers the following:

  • Cover for most medical conditions and disabilities
  • No upper age limits on single and multi-trip policies.
  • The option of either single (up to 94 days) or multi-trip (unlimited trips in a 12-month period)
  • Over 100 activities covered free
  • Online medical screening
  • Cover for European cruises
  • Terminal conditions considered – call us on 02392 419 080
  • 24-hour emergency medical helpline, 365 days a year

What are the benefits of Europe travel insurance?

Travel to Europe can be included in either Single Trip or Annual Multi-trip policies. So, if you fancy more than one trip and wish to travel to different European locations, then a Free Spirit European annual multi-trip travel insurance policy is ideal. For one-off trips, you should find that a single trip policy is just what you need.

Free Spirit offers two levels of cover, “Super” and “Super Duper” so you have the option to choose the cover level that matches the needs of your trip.

The benefits to our Super Duper Cover include:

  • Cancellation of up to £5000
  • End Supplier Failure of up to £2,500 should your trip be cancelled due to financial failure of your travel and accommodation provider
  • Emergency medical & associated expenses (outside your home country) of up to £10 million
  • Aftercare at home following hospitalisation abroad for more than 5 days. This includes cover for home help, physiotherapy, dental costs and cosmetic surgery
  • State hospital benefit of £1,500 max limit, which provides a compensation payment for each 24-hour period you are an inpatient due to illness or accidental bodily injury sustained abroad
  • Curtailment (cutting your trip short)/loss of holiday) of up to £5,000
  • Cover of up to £2,000 for loss, theft or damage to your medical aids, including wheelchairs and walking frames
  • Cover for loss or damage to prescribed medication
  • Plus, many more benefits

Click here to view Free Spirit’s summary of cover

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Frequently Asked Questions about European Travel Insurance

What are the emergency numbers in Europe?

If you any sort of emergency during your travel, you can contact 112 for help. 112 is the European emergency number and is free of charge.

Is there cheap travel insurance to Europe for someone with a pre-existing medical condition?

Free Spirit offers affordable travel insurance for Europe for people with medical conditions. Some of the most common medical conditions we cover include; high blood pressure, asthma, type 2 diabetes, heart attacks and breast cancer plus many more conditions.

Is there an age limit for European travel insurance?

Many travel insurance providers only offer cover up to a certain age. Free Spirit do not have an upper age limit on our travel insurance.

Will Brexit impact my European travel?

There is a lot of uncertainty surrounding Brexit and how it will affect travel. In light of Brexit, it’s more important than ever to take out travel insurance as soon as you book your holiday. For more details, please read our blog on Travel after Brexit.

Please contact us on 02392 419 080 to discuss your requirements. We are open Monday to Friday 8am – 6pm, closed Bank Holidays.

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    I use Free Spirit for both my business and personal travel and have always found its service to be of a very high standard.
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    Free Spirit Manager, Mary Holt is a recognised expert in medical screening and in underwriting travel insurance for people with medical conditions. You can read Mary’s Q&As or ask Mary a question directly.
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USA Travel Insurance


USA Travel Insurance

Are you thinking of a getaway to Las Vegas? A family holiday in Orlando? Or a ski trip in Aspen? It is not surprising that so many take holidays in the USA, as it has so much to offer to so many. Be drawn in by its warm culture and spectacular sights. Visit its many renowned capitals, each showcasing their own unique landmark and character.

When planning your trip to the USA, it is important to have travel insurance.
America’s healthcare system is known as expensive and privatised, so don’t be caught out.
Your travel insurance should cover medical emergencies you may encounter, and that is even more important if you have pre-existing medical conditions.

What to do in America

Across America’s six time zones, there is a wide variety of landscapes and micro-climates.
You could be adventurous and explore mountainous North-west America, planning in a bit of skiing while you are there. Or even brave the deserts of California, Idaho, Utah and Oregon. On the other hand, there are plenty of beach locations on each coast if you envisage somewhere more calming.

If you’ve not made up your mind and need some travel inspiration, here are some ideas of what to do in America:

Watch the Superbowl: The Superbowl has become a national holiday and global phenomenon. If you love American football, music or hot dogs, then this is something worth getting tickets for. It happens once a year and is watched by millions.

Visit the Grand Canyon: Be breath-taken by Arizona’s immense Grand Canyon. Whether it’s hiking the Bright Angel Trail or rafting down the Colorado River – this is the place for any aspiring adventurer.

Visit Yellowstone: Yellowstone national park allows you to be at one with nature. You could experience the hot springs and hiking trails. Or visiting the Grizzly and Wolf Discovery Center may be more to your liking – where you can learn all about these fascinating animals – and maybe even get up close to some of them!

Visit New York: New York, referred to as the big apple, offers almost everything. You can see the Brooklyn Bridge during the day then venture to Times Square in the evening. Just be warned – with so much to see and do it may become all too apparent why New York is sometimes known as ‘the city that never sleeps’!

Visit Charleston: Charleston is an underrated gem of a city. Home to stunning architecture, sun-kissed beaches and a splash of southern charm. If you are exploring the USA, make sure Charleston is on the list.

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Advice for Travelling to the USA

If you do have an upcoming trip to the USA, here are a few tips to bear in mind:

Visa: If you’re travelling to the USA, make sure you understand whether you need a visa. The Visa Waiver Program (VSP) allows nationals from certain countries to enter the US. This is providing they will be there no longer than 90 days and for tourism only. Entering the country under the VWP, you need to apply for authorisation. You do this before your trip through the Electronic System for Travel Authorisation (ESTA). For more information, visit the US Customs and Border Protection ESTA website.
If you don’t qualify for the VWP, then you will need to apply for a visa to visit the USA.

Emergencies: The emergency service number in the USA is 911. In the event that you need immediate medical attention, call this number to receive the best possible care. As soon as possible, contact your travel insurer and notify them of what has happened. In the case of a medical emergency, the insurance provider will liaise with doctors to ensure you receive the best possible care.

Road Safety: The USA traffic and parking laws imposed must be adhered to. Certain rules such as speed limits and following road signs are strictly enforced. There will be differences in the laws of the road for America compared to the UK. Remember that jaywalking can be punishable in many states, and Americans drive on the right-hand side of the road. Please ensure you have checked key differences in driving before travelling, as we don’t want your trip to be ruined.

What are the benefits of USA travel insurance?

Our USA travel insurance covers trips to the USA, with the following benefits:

  • Practically all medical conditions and disabilities covered for peace of mind
  • No upper age limits
  • Option of either single (up to 94 days) or multi trip (unlimited trips in a 12-month period)
  • Over 100 activities covered free
  • Online medical screening
  • Terminal conditions considered – call us on 02392 419 080
  • 24-hour emergency medical helpline, 365 days a year

What does USA travel insurance cover?

USA travel insurance offers both Single Trip and Annual Multi-trip policies. if you are planning one or more trips to America, an American annual multi-trip policy is ideal. However, for a one-off holiday, a single trip policy will suit your needs perfectly.

Free Spirit offers two levels of cover, so you can choose which best suits your travel needs.

Benefits include cover for:

  • Cancellation
  • Emergency medical & associated expenses (outside your home country)
  • Aftercare at home following hospitalisation
  • State hospital benefit
  • Curtailment (cutting your trip short)/loss of holiday
  • Personal accident
  • Personal liability
  • Delayed departure (after 12 hours delay)/trip cancellation (after 12 hours delay)
  • Legal advice & expenses

Click here to view a full summary of cover.

Cover will fall under our policy for worldwide cover including Canada, Caribbean, China, Hong Kong and the USA.

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Frequently Asked Questions

Is there cheap travel insurance to the USA for someone with a pre-existing medical condition?

Free Spirit offers affordable travel insurance to the USA for people with medical conditions. Some of the most common medical conditions we cover include: high blood pressure, asthma, type 2 diabetes, heart attacks and breast cancer.

Is there an age limit for travel insurance to the USA?

Many travel insurance providers only offer cover up to a certain age. Free Spirit do not have an upper age limit on travel insurance to the USA.

If I take out a multi-trip policy, can I travel to the USA more than once?

Yes, with a Multi Trip Policy, you can enjoy unlimited trips to the USA and many other global destinations. This is within a 12-month period with annual travel insurance tailored to your condition or disability. If any health-related changes occur during this time, you will need to notify us. We can then adapt your policy to meet your needs.

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    We were pleased with our Free Spirit travel insurance quote as we thought it would be more expensive with our medical conditions.
    Mrs. MorrisKent
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  • Ask Mary

    Free Spirit Manager, Mary Holt is a recognised expert in medical screening and in underwriting travel insurance for people with medical conditions. You can read Mary’s Q&As or ask Mary a question directly.
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Family Travel Insurance

Family Travel Insurance

At Free Spirit, we offer family travel insurance so you can go away with peace of mind that you and your loved ones are fully covered.

What to look for in travel insurance for your family holiday

If you tend to go away no more than once a year, a single trip travel insurance policy should suffice. If you enjoy travelling many times throughout the year, an annual travel insurance policy for the family may be worth considering.

Family holidays are often activity-filled so there tends to be more likelihood of accidents. That’s why it’s important you’re covered for any activity you partake in. Free Spirit policies include cover for over 100 activities, including camping, horse riding and whale watching, among others. Winter Sports can also be covered, subject to an additional premium. Now you can enjoy your holiday activities with peace of mind that you and your family are protected.

At Free Spirit, we offer specialist travel insurance for many different medical conditions. During your quote application, it’s important to declare any medical conditions you and your family have. This ensures your policy provides suitable cover to meet all your needs.

If you intend on travelling during the coronavirus pandemic, you are covered if you need medical attention for COVID-19 while abroad. Read about our coronavirus travel insurance.

you have coronavirus travel insurance

How can Free Spirit travel insurance protect you and your family?

Free Spirit travel insurance allows you and your loved ones to enjoy a holiday knowing that you are all fully covered.

  • Cover for most medical conditions and disabilities
  • No upper age limit on Single Trip and Annual Multi-Trip cover
  • Specific cover for medical aids and prescribed medications
  • Over 100 activities included free
  • Online medical screening, instant quotes and buy online
  • ‘Super Duper’ level of cover is rated 5 Star by Defaqto
  • Cover for cruises included
  • Terminal conditions considered – call us on 02392 419 080
  • 24-hour emergency medical helpline, 365 days a year

You can view a summary of our ‘Super’ and ‘Super Duper’ levels of cover here.

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Do Free Spirit cover single parents under a family travel insurance policy?

Yes – cover can be provided for one parent or grandparent and their children or grandchildren (under the age of 18 on the date of purchase). Cover for children and grandchildren will only be provided if travelling with an insured adult.

What happens if a family member becomes sick?

If a family member becomes unwell whilst you are away, providing all medical conditions have been declared, Free Spirit will cover up to £10,000,000 (depending on cover level).

You will also be covered when travelling in the UK.

Requiring medical care when you are far from home can cause inconvenience and indirect costs. For this reason, Free Spirit includes areas of cover designed with domestic travel in mind.

For example, up to £10,000 is available for indirect medical costs if you fall ill or have an accident while you are away. Find out more about travel insurance UK.

Can grandparents take out a family travel insurance policy?

A family policy allows for two adults to be insured, meaning that parents or grandparents can take out a Free Spirit policy. What’s more, adults insured on an annual multi-trip policy are entitled to travel independently of each other if they decide to take some trips separately.

Top tips for travelling with the family

  • Planning the right destination: When travelling as a family it is important to consider the type of location and whether or not it is an appropriate destination. For example, if you have young children it’s important to consider factors including journey duration, cuisine available and whether the country is familiar with the English language.
  • Booking a child-friendly hotel: Whilst some hotels are exclusive to adults, others do cater for children. These offer everything from kid’s activity clubs to simple food options – perfect for fussy eaters. Your children are able to make friends and have fun whilst the adults relax and enjoy themselves.
  • Plan in advance: It’s important to give yourself enough time to prepare for your family holiday. With children at school, it leaves only a small window to actually go away together, so planning in advance is key. Give yourself enough time to get all your documentation sorted and your packing organised. Holidays can be stressful enough so try not to leave things to the last minute!
  • Getting vaccinations: Some destinations need vaccinations, so it’s important to seek medical advice four to six weeks prior to your departure date. Whether or not you need vaccinations, if you do have a pre-existing medical condition and have any concerns you should speak to your treating doctor to clear up any worries. This will allow you to relax and look forward to your trip.
  • Enjoy yourself: Family holidays are bound to bring about a bicker or two, however it’s important to try and enjoy every moment of your holiday. Going away with your loved ones is a chance to make memories that will last a lifetime – so make the most of it!

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If you still have any unanswered questions, then please refer to our Frequently Asked Questions.
Alternatively, please contact us on 02392 419 080 to discuss your requirements. We are open Monday to Friday 8am – 6pm, closed Bank Holidays.

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    Free Spirit dealt with me in a kind and courteous manner which was very pleasant after being told by the travel company that they couldn’t insure me b…
    P. HopperCumbria
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  • Ask Mary

    Free Spirit Manager, Mary Holt is a recognised expert in medical screening and in underwriting travel insurance for people with medical conditions. You can read Mary’s Q&As or ask Mary a question directly.
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Over 50s

Over 50s Travel Insurance

At Free Spirit, we believe age should never stop you from travelling. That’s why we offer exceptional wide-ranging cover to keep you and your loved ones protected whilst on holiday in the UK or abroad.
Whether you need a single or annual multi-trip insurance policy, we will be able to offer you a quote, subject to medical screening.
Our single trip policy can provide up to 94 days of cover (45 days if aged 76 years or over) and if you think you might be jet setting more than once throughout the year, our annual multi-trip policy may be perfect for you. It lets you travel as much as you like, with no restriction. It provides a maximum single trip duration of 31 days on the ‘Super’ cover and 45 days on the ‘Super Duper’ cover.

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What is over 50s medical travel insurance?

Specialist age-related and medical travel insurance companies including Free Spirit, offer tailored cover for travellers aged 50 plus. We cater for those with a number of pre-existing medical conditions, providing peace of mind to travellers, that they can travel in the UK, Europe, even Worldwide, and be covered in the case of an eventuality.

Why choose Free Spirit for 50 plus travel insurance?

  • Single trips covered up to 94 days (45 days if you’re aged 76 years or over)
  • Annual multi-trip cover provides unlimited number of trips – travel up to 31 days per trip (Super) or 45 days (Super Duper)
  • Fully interactive website including online medical screening
  • Extended Journey Disruption cover (Super Duper cover only)
  • End Supplier Failure (Super Duper cover only)
  • Cover for loss or damage to medical aids and prescribed medications

Click here to read a full list of reasons to choose Free Spirit.

Travel Insurance for over 50s with pre-existing medical conditions

Free Spirit specialises in providing travel insurance for customers with a wide range of pre-existing medical conditions including serious conditions such as cancer and heart problems. The majority of travel insurers will either refuse cover for serious medical conditions or charge an excessive premium (sometimes more than the cost of the holiday itself).
However, at Free Spirit, we do things differently. We will ask you a number of questions regarding your medical history, so we have a thorough understanding of your condition, then if we can, we will offer you a competitive quote for your travel cover.
We offer cover for a wide range of serious medical conditions, including:

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FAQs and advice for over 50s holiday insurance

Below you can access a number of additional resources all about over 50s medical holiday insurance- just click on the links below.
Going on a cruise? Take a look at our cruise travel cover.
Purchasing travel Insurance can be confusing, for everything you need to know, check out our blogs.

If you need more information, then why not contact our friendly customer service team.

Now for the FAQs:

Can I put any travel companions on the same policy?

Free Spirit can cover travel companions regardless of whether or not they have a medical condition. By including your travelling companions on the same policy, you will ensure the whole party is covered. For more information please read the Insurance Policy.

Do you cover mental health conditions?

Yes, we offer cover for mental health conditions. Whilst they are often invisible, they can be debilitating and are more common than many realise. Mental health issues can affect everyone, no matter their age. At Free Spirit, we offer cover for a range of conditions. For more information check out our medical insurance page.

How long can I go away for with a single trip policy?

Single trips cover up to 94 days (45 days if you are aged 76 years or over).

I don’t want to get a quote online, can I do it over the phone?

One of our friendly customer service team will be more than happy to speak to you. Please call 02392 419 080. We are open Monday to Friday 8am – 6pm, closed Bank Holidays.

Can I extend my insurance policy?

Subject to Underwriters agreement, your single trip insurance policy can be extended, providing we are notified before your policy expires and at the time of requesting the extension you have not, and you are not intending to make, a claim.
Please note – this is subject to the total trip duration including the extended period not exceeding 94 days (45 days if aged 76 years or over), which is the maximum trip duration of our single trip policy. You will be advised of the additional premium at the time of the request.
Please contact us on 02392 419 080 to discuss your requirements. We are open Monday to Friday 8am – 6pm, closed Bank Holidays.

Do I really need travel insurance?

Regardless of whether or not you have a health condition, it is important to take out a policy providing suitable cover for your trip. In the case of an emergency you can relax knowing you are fully protected.
When you are purchasing your policy, make sure you declare all pre-existing medical conditions and thoroughly read the policy wording to make sure your cover meets the demands of your trip. Without having the right insurance, you may not be able to make a claim.

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    J. EvansDorset
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  • Ask Mary

    Free Spirit Manager, Mary Holt is a recognised expert in medical screening and in underwriting travel insurance for people with medical conditions. You can read Mary’s Q&As or ask Mary a question directly.
    Read Q&As
    Ask Mary

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