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What to look for when buying specialist travel insurance

choosing-insurance buying a specialist travel insurance

If you have an existing medical condition or disability, finding travel insurance to suit you can seem like a daunting task. Being refused cover from standard holiday insurance providers may have even put you off the idea of travelling altogether in the past.

This is where Free Spirit can help. As one of the leading providers of specialist travel insurance, we pride ourselves on offering cover to people with an extensive range of medical conditions and disabilities. In fact, we aim to provide travel insurance to people of any age with almost any existing medical condition or disability.

We know it’s important to be able to take a break with your nearest and dearest, so we do our utmost to provide travel cover that will allow you to do just that.

What makes our travel insurance ‘specialist’?

Standard travel insurance is often limited in the cover provided and the mention of a certain age milestone or an existing health condition or disability can automatically make them unsuitable.

The specialist travel insurance we can provide is different. Free Spirit covers nearly all medical conditions and disabilities, including all types of cancer, heart conditions and mental health conditions.

Click here to see a full list of the medical conditions we cover and to read more about the specialist travel insurance we can offer for each one.

There is also no upper age limit with our holiday insurance, meaning that we can help more people enjoy time away from home than most standard travel insurance providers.

Free Spirit offers two levels of cover, Super and Super Duper, and whether you need cover for a short break, your main summer holiday or even for multiple trips abroad, we are confident we can offer travel insurance to meet your requirements. Each cover level includes a certain amount of cover for an extensive range of benefits, including emergency medical expenses, repatriation to your home country, cancellation & curtailment, loss or damage to medical aids and medication and even covering kennel or cattery costs in the event that you are delayed coming home due to illness.

What’s more, specialist travel insurance from Free Spirit can cover not just you but your entire travelling party, eliminating the need for separate policies and the possible insurance gaps this can create.

Benefits of choosing Free Spirit for your specialist travel insurance?

  • Cover for most existing medical conditions and disabilities
  • No upper age limit on Single Trip and Annual Multi-trip
  • Terminal cases considered – call 02392 419 080
  • Cover available if you are awaiting treatment or investigation
  • Extended journey disruption*
  • End Supplier Failure cover*
  • Gadget Cover
  • Cover for medical aids and medications
  • Aftercare cover at home following hospitalisation abroad
  • Convalescence benefit following hospitalisation abroad (over 5 days)
  • Cover for over 100 activities for free
  • Travelling companions also covered
  • Winter Sports cover option
  • Medical emergency helpline available 24/7

Click here for more details of the cover provided

* Included with Super Duper cover only

Can I trust Free Spirit for specialist holiday insurance?

Free Spirit is a trading name of travel insurance specialists P J Hayman & Company Limited who are authorised and regulated by the Financial Conduct Authority (FS Register number  497103). You can check this on the Financial Services Register by visiting or by calling 0800 111 6768 or 0300 500 8082.

How can I apply for specialist travel insurance?

Applying for specialist holiday travel insurance with Free Spirit is simple. The application process is designed to be quick and easy and all quotes are no-obligation.

Online or over the phone, you will be asked a series of medical questions to ensure we can offer the most appropriate level of cover for your personal circumstances. In most cases, you won’t need to supply any medical records or undergo any physical assessment, but it’s important to have all the information about your medical condition(s) to hand before starting the process.

Once you have completed our simple medical screening, you can purchase your cover online or over the phone, giving you cover in the event of the cancellation of your trip from the moment your Single Trip policy is in place. For Annual Multi-trip cover, you can choose your start date.

Call us on 02392 419 080 to find out more about how we can help you make your travel plans a reality, or click here for a specialist travel insurance quote.


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