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Travel insurance with medical conditions

Free Spirit looks to provide travel insurance cover for people of any age who have pre-existing medical conditions and disabilities.

Providing cover for people with medical conditions is what makes Free Spirit different to standard travel insurance policies.

Many standard travel insurance policies exclude cover for medical conditions or will decline to offer cover. This can lead to people travelling abroad without adequate cover and risking large medical bills.

Free Spirit was the first scheme of its type specifically dedicated to those being declined travel insurance cover elsewhere due to their health. It is now one of the UK’s largest specialist travel insurance schemes for people with pre-existing medical conditions and disabilities.

Our guide to medical travel insurance

The important part of buying travel insurance, especially if you live with existing medical conditions is to get the right cover. The last thing you want is to purchase a policy only to find it doesn’t cover the things you need. Should things go wrong while on holiday, your Free Spirit insurance policy could be your saviour!

What are pre-existing conditions?

Essentially, they can be anything you’ve received a diagnosis for or take prescribed medication for, like asthma, angina or hypertension and epilepsy or even learning difficulties.

It is very important to disclose all of your medical history when obtaining a quote, as failing to mention your conditions could invalidate your policy. We will ask you all the questions needed to enable you to declare all of your conditions.

Why cover your medical conditions before you travel?

It is not a legal requirement to cover your existing conditions when travelling, however if the unfortunate should happen and you had a medical emergency, you could have to pay out thousands of pounds in medical costs or even repatriation charges if medically necessary.

There are many standard policies available at very cheap prices, however do not be fooled! It is unlikely they will include the cover you need and you could be left with hefty bills, especially in the event you had to cancel because of your conditions.

Top tips for buying the best insurance for travelling with a medical condition

  • Always add your travelling companions to your policy. They too can claim if you needed to cancel your holiday because of your medical condition or if it had to be cut short while away because you became unwell.
  • Buy holiday insurance through a specialist provider as they can be more sympathetic to your unique medical problems and these policies are specially designed for people like you.
  • Consider changing your destination to Europe rather than USA, Canada or the Caribbean. Medical costs can be very expensive in these areas of the world and repatriation is far from cheap. This doesn’t mean we can’t cover you outside Europe, however be prepared for slightly higher premiums.
  • Check that your policy has cover not just for emergency medical and cancellation costs but how about your personal belongings and travel documents. If your flight is delayed does it cover you for travel delay or journey disruption? In the event you lose your prescribed medication or medical aids, are these covered?
  • Check the excess you will have to pay in the event of claim. Some standard policies with cheap prices may be tempting, but the excess may catch you out!

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Heart Condition Travel Insurance

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Mental Health Travel Insurance

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Brain and Cerebral Conditions Travel Insurance

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HIV and AIDS Travel Insurance

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Back Problems and Neck Conditions Travel Insurance

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Circulatory and Blood Conditions Travel Insurance

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Bowel and Bladder Conditions Travel Insurance

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Central Nervous System Disorders Travel Insurance

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Breathing and Lung Conditions Travel Insurance

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Joint and Bone Conditions Travel Insurance

Travel insurance for people with joint conditions is what Free Spirit can provide. Whether you have Arthritis, Osteoporosis, Sciatica or a broken bone Free Spirit may be able to offer you the cover and peace of mind you need when you travel.

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Kidney Conditions Travel Insurance

If you have a kidney condition, travel insurance that covers it can be hard to find. Use our online medical screening and get an immediate quote and cover for peace of mind.

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Rare Conditions Travel Insurance

Protect yourself when you travel with medical condition travel insurance. Make sure you disclose your rare disease when you get a quote and purchase your Free Spirit policy.

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Liver Conditions Travel Insurance

Medical conditions and conditions relating to the liver may be able to be covered by Free Spirit travel insurance. Get cover for liver failure, hepatitis, gall stones and more.

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Disability Travel Insurance

Don’t let a disability stop you from travelling. Free Spirit covers a number of different disabilities and includes cover for loss or damage to medical aids and prescribed medications.

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Organ Transplant Travel Insurance

If you have had an organ transplant, it can be hard to find the travel insurance cover you need. Use our online medical screening and get a quote and cover today, for a carefree trip.

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Senior Travel Insurance

Free Spirit has no upper age limit, so whatever your age you can ensure you are covered when you go on holiday.

More Information for Senior Travel Insurance
More Information for the Over 65s
More Information for the Over 75s
More Information for the Over 80s
More Information for the Over 90s




  • Testimonials

    Last year my travel insurance went up by one-third just because I was 70 and when I asked my previous Insurer why, I was told I was more likely to hav…
    A. PirieWest Lothian
    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

Last updated: 26th April 2017.