Free Spirit automatically covers a wide range of activities. You must ensure that your usual treating G.P. is happy for you to participate in any sport or leisure activity. You must also follow the safety guidelines for the activity concerned and where applicable use the appropriate and recommended safety equipment. Please read the Insurance Policy for details of the ‘Acceptable Activities’ covered as standard.
Do you cover Winter Sports activities?
Free Spirit includes cover for a range of Winter Sports activities on payment of an additional premium. You must ensure that your usual treating G.P. is happy for you to participate in any winter sports activity. You must also follow the safety guidelines for the activity concerned and where applicable use the appropriate and recommended safety equipment. Please read the Insurance Policy for details of the activities covered.
How do I know what I’m covered for?
Please read the Insurance Policy for details of the cover. If you have any questions regarding the cover, please contact us on 02392 419 080.
Can I delete the standard policy excess?
Yes, if you have paid the additional premium for ‘Excess Waiver’, the excess would be reduced to Nil in the event of a claim. Note: any excess imposed by us following your call to the Medical Screening Line will still apply.
Can we exclude certain sections of cover for premium discounts?
No, you can not delete cover.
Do all travellers, including those without existing medical conditions, need to be insured on the same Free Spirit policy?
We suggest that all travellers are insured on the same Free Spirit travel insurance policy. Free Spirit also covers people without existing medical conditions which means you can insure your travelling companions on the same policy. As well as reduced premiums for those without medical conditions, you will ensure there are no gaps in cover that could arise if separate policies are purchased. For example, if you had to cancel your holiday due to your medical condition, your travelling companions on the same policy would also be covered for cancellation which may not be the case if they had taken out a policy elsewhere.
Can I take out a policy for my child aged under 18 years of age?
Children aged under 18 must be insured with an accompanying adult on the same policy.
Are there countries that are not covered?
Free Spirit will cover all countries and areas except for Afghanistan, Liberia and Sudan and those countries which the Travel Advice Unit of the Foreign & Commonwealth Office or the World Health Organisation (WHO) or similar body has advised against all or all but essential travel.
Can I get my money back if I want to cancel?
If you are not completely satisfied with the cover provided and have not already travelled and are not making or intend to make a claim, you may cancel your policy within 14 days of purchase and we will refund your full premium.
Do I need to take my policy documents with me on holiday?
Yes, you should print a copy of your Schedule of Insurance and Insurance Policy and carry them with you during your trip.
The Insurance Policy includes important telephone numbers including the 24-hour medical emergency service that is available for assistance, making arrangements for hospital admission, repatriation and authorisation of medical expenses as well as full details of the cover provided and what to do in the event of a claim.