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Specialist travel insurance for people with medical conditions & no age limits

Free Spirit’s philosophy is that travel insurance should be available to as many people as possible, which is why we can:

  • Provide cover whatever your age;
  • Consider any medical condition and disability (including a terminal condition);
  • Include your travelling companions (even if they don’t have a medical condition).

Many standard travel insurance policies exclude cover for older people and for those with existing medical conditions. This can lead to people travelling abroad without adequate cover and risking large medical bills.

In the last 18 years, Free Spirit has helped tens of thousands of people to obtain cover for their often much needed holiday or trip.

So if you need specialist travel insurance for a forthcoming trip, why not get your Free Spirit quote today!

Key features of Free Spirit

  • Cover for most existing medical conditions and disabilities
  • No upper age limit on Single Trip & Annual Multi-trip
  • Specific cover for medical aids & prescribed medications
  • Journey disruption including airspace closure (Super Duper only)
  • Terminal conditions considered – please call us on 0800 170 7704 quoting FPM40
  • Reduced premiums for people without medical conditions on the same policy
  • 24/7 Medical Emergency Helpline

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

For policy details showing the full terms and conditions please read the Insurance Policy.

Peace of mind

By covering your medical condition(s), Free Spirit gives you the peace of mind you need when you travel.

Most importantly, Free Spirit provides emergency medical and other expenses cover up to £5,000,000 (Super) and up to £15,000,000 (Super Duper). This also includes repatriation home if medically necessary. Also if you arrange your cover as soon as you book your holiday you will be immediately protected should you need to cancel your trip (policy terms and conditions apply of course).

Free Spirit is underwritten by URV, Branch Office of Union Reiseversicherung AG for the United Kingdom and the Republic of Ireland. Registered in England & Wales. Company No. FC024381 Branch No. Br006943. A public body corporate with limited liability. Registered Office: Maximilianstrasse 53, D-80530 Munich, Germany. Registered with Amtsgericht Munich, Germany Registered Number: HRB 137918. Union Reiseversicherung AG are authorised in Germany by BaFin and subject to limited regulation in the United Kingdom by the Financial Conduct Authority and in the Republic of Ireland by the Insurance Regulator.




  • Testimonials

    We were pleased with our Free Spirit travel insurance quote as we thought it would be more expensive with our medical conditions.
    Mrs. MorrisKent
    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 June 2017.