Annual travel insurance
Specialist travel insurance for unlimited trips within any 12 month period
At Free Spirit, we aim to provide specialist travel insurance for people with any medical conditions, of any age, and for nearly any type of trip. If you are planning on travelling more than once in a year, you could save money through our annual travel insurance for existing medical conditions.
You can enjoy unlimited trips within a 12 month period (subject to trip limits – see below) knowing that you have annual travel insurance tailored to your condition or disability. Although of course, we will need to know if anything related to your health should change during the year.
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.
Our ‘Super Duper’ level of cover is rated 5 Star by Defaqto which means that it has been independently verified to provide one of the highest quality offerings in the market.
With our annual holiday insurance, you can travel for a maximum of 31 days per trip if you choose Super cover or 45 days per trip if you select Super Duper cover.
What’s more, our annual multi-trip travel insurance enables you to travel as many times as you like in a 12 month period as long as you don’t exceed the maximum trip limit and you return home before starting your next holiday.
Both cover levels of our annual travel insurance provide a wide range of cover benefits, which include ensuring you get the right emergency medical care for your medical condition or disability if you need it.
Why choose Free Spirit annual cover:
- Most medical conditions and disabilities covered
- No upper age limit
- Cover for unlimited number of trips in a 12 month period
- Travel up to 31 days (Super) and 45 days (Super Duper) per trip
- Over 100 activities covered free
- Trips in the UK for 2 nights or more are automatically covered
- Online medical screening
- Cover for European and Worldwide cruises – cruise insurance
- 24-hour emergency medical helpline, 365 days a year
These are just some of the reasons why our annual travel insurance could provide the right specialist cover for you. Our annual holiday insurance will also protect you should you need to cancel your trip, if your luggage is lost or stolen or if you fall ill whilst away.
Repatriation to your home country (UK, Channel Islands & Isle of Man), personal liability, plus cover for delayed departure and loss or damage to medical aids are all included with our Free Spirit annual travel cover.
Our Super Duper option features additional cover for end supplier failure and extended journey disruption. Please see the summary of cover for more information or take a look at the annual travel insurance policy terms and conditions in full.
Please note – Cancellation cover commences on the start date of your policy or the date on which you booked your holiday, whichever is the latest. If you have already booked your trip, you should purchase an annual holiday insurance policy from today’s date.
We’re on hand to help
Free Spirit has a dedicated UK-based customer service team to answer any questions and deal with your enquiries. Call 02392 419 080, we are open 8am to 6pm Monday to Friday (closed Bank Holidays) and your call will be treated with the utmost confidentiality.
Annual travel insurance FAQs
1. What is annual travel insurance?
Free Spirit annual travel insurance is designed to cover more than one trip within a 12 month period. In fact, with an annual holiday insurance policy in place, you can take as many holidays as you like over the year, provided you come home in between each trip and that none of your trips are longer than the maximum trip limit (31 days with Super cover, 45 days with Super Duper cover).
2. Why buy an annual travel insurance policy?
It’s possible to take out separate single trip insurance policies for each trip you take over the course of a year, but you may be able to save money on your travel insurance with an annual multi-trip policy. So, if you know you’ll be travelling more than once in the next 12 months and where you plan to go, it may be worth taking out annual holiday insurance.
3. Are there any other benefits of an annual travel insurance policy?
As well as the reasons to choose our annual travel insurance listed above, having annual holiday insurance means that you are also covered for any last-minute trips you decide to take, subject to trip limits.
4. Is there an age limit on annual travel insurance policies?
There is no upper age limit.
5. How many times can I travel and how long can each trip be?
You can travel as often as you like within the 12 month period of your annual holiday insurance policy. There is a limit of 31 days (Super) and 45 days (Super Duper) for any one trip.
6. What are the geographical areas on an annual travel insurance policy?
Europe – Austria, the Azores, Belgium, Bulgaria, Channel Islands, Corsica, Croatia, Czech Republic, Denmark (and the Faroe Islands), Finland, France, Germany, Gibraltar, Hungary, Iceland, Italy, Liechtenstein, Luxembourg, Madeira, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Russia (west of the Ural mountains), San Marino, Sicily, Slovak Republic, Slovenia, Sweden, Andorra, Balearics, Canary Islands, Cyprus, Greece, Morocco, Spain, Switzerland, Tunisia, Turkey and United Kingdom.
Worldwide – excluding Canada, Caribbean, China, Hong Kong, USA, Afghanistan, Liberia and Sudan but including Australia, New Zealand, Egypt & Israel.
Worldwide – including Canada, Caribbean, China, Hong Kong and USA but excluding Afghanistan, Liberia and Sudan.
Full details of countries covered are shown under ‘Geographical Areas’ in the ‘Definition of Words’ on page 5 in the Insurance Policy.
7. Am I covered for trips in the UK?
Yes, provided you have at least two nights pre-booked accommodation. In fact there is £10,000 cover specifically for UK trips that assist when medical care is required while travelling in the UK.
To find out more, visit our travel insurance UK page.
8. Can I extend my policy if I am abroad and want to stay over the maximum trip limit?
Unfortunately, we are not able to extend our annual holiday insurance policies. The maximum duration for any one trip is 31 days (Super) and 45 days (Super Duper).
If you exceed the maximum trip duration, any claims during your holiday will not be covered.
9. Under an annual travel insurance policy, can children travel independently of an insured adult?
No. Adults may travel independently but children under 18 years of age must be accompanied by an insured adult.
10. Am I covered for activities?
Specialist travel insurance cover for a single trip
If you have just one trip planned, or one that’s longer than the maximum trip duration with our annual holiday insurance, a single trip policy may be more suitable for you.
Our specialist travel insurance for single trips covers any one single holiday, business or pleasure trip of up to 94 days (45 days if you are aged 76 years or over).