You will not be covered if you travel outside the area you have chosen, as shown on your Policy Schedule.

United Kingdom – England, Wales, Scotland, Northern Ireland and Isle of Man.

Europe 1 – including: United Kingdom and Austria, 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 and Sweden.

Europe 2 – including Europe 1 shown above and the remaining countries west of the Ural mountains and Andorra, Balearics, Canary Islands, Cyprus, Greece, Morocco, Spain, Switzerland, Tunisia and Turkey.

Australia & New Zealand – including: Europe 2 shown above and Australia, including Territory of Cocos (Keeling Islands, The Territory of Christmas Island, Norfolk Island and Lord Howe Island) and New Zealand, including the Cook Islands, Niue and Tokelau (including up to 48 hours stopover in a country within a Worldwide area).

Worldwide – including Egypt and Israel but excluding Canada, Caribbean, China, Hong Kong, USA, Afghanistan, Liberia and Sudan.

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.

No, you must declare the position as of today.

We can only medically screen a condition that has been diagnosed by the medical profession and therefore, we cannot provide a quote or offer cover until such time as your medical condition has been diagnosed.

Yes, the Underwriters need to be aware of all medical conditions including those that are under control by medication. This is important as otherwise a claim may be invalidated if medical conditions are not disclosed.

Yes, so long as you are on a waiting list for a medical condition that has been diagnosed and are awaiting:

• surgery,
• inpatient treatment
• investigation
• specialist consultation referral

If this is the case, please declare the condition as normal during your quote application.

We cannot cover terminal conditions on this website as we need to provide you with an individual assessment. Please contact us on 02392 419 080 and we will discuss your requirements to see if cover can be provided.

We are one of the UK’s largest specialist travel insurance providers for people of any age with medical conditions and disabilities.

Free Spirit was the first insurance of its type specifically created for people being refused cover elsewhere simply due to their health, disability or age.

Free Spirit is a trading name of travel insurance specialists P J Hayman & Company Limited. For further details click here.

Yes, the Free Spirit policy has a 24-hour medical emergency and repatriation service provided by:

Free Spirit – 24 hour Medical Emergency Assistance
+44 (0)203 829 6745

Further details of this service are shown in your Insurance Policy.

Staff are on call 24 hours a day throughout the year. They will, when necessary, guarantee medical bills, arrange repatriation and, if required, provide a medical escort.

You will not be covered if you travel outside the area you have chosen, as shown on your Policy Schedule.

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.

There is no upper age limit.