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Travel insurance with medical conditions and disabilities

At Free Spirit, we’re proud to be different. We aim to provide travel insurance with medical conditions that covers pre-existing conditions and disabilities for people of any age. This is what makes us different to standard travel insurance providers; we do our upmost to help people with medical conditions and disabilities have the holiday or trip away they deserve.

As the first specialist travel insurance scheme of its type, Free Spirit is dedicated to those who have been declined travel insurance cover elsewhere due to their health. Ours is now one of the UK’s largest medical travel insurance schemes for people with pre-existing conditions and disabilities.

So, don’t worry if you have struggled to find travel insurance for your medical condition or disability in the past. We’ll do all we can to offer you a specialist travel insurance policy to suit you.

What are pre-existing medical conditions?

Essentially, a pre-existing medical condition can be defined as anything you’ve received a diagnosis for, or take prescribed medication for.

At Free Spirit, we do our best to offer travel insurance for almost any pre-existing condition or disability. Some of the most common medical condition we cover include:

  • High blood pressure
  • Asthma
  • Type 2 diabetes
  • Heart attack
  • Atrial fibrillation
  • Breast cancer
  • Chronic obstructive pulmonary disease (COPD)
  • Arthritis

Take a look at our more detailed list below of medical conditions and disabilities that Free Spirit can cover.

When looking for a quote for travel insurance to cover your pre-existing condition, it’s vital to let the insurance provider know your full medical history, as failing to mention any medical condition could invalidate your policy. It’s also important to answer all medical questions accurately as providing incorrect answers could affect any claim you make.

At Free Spirit, our medical screening process is designed to enable you to declare all of your medical conditions and answer a series of simple questions, so that you get the cover that’s right for you.

Why is it so important to cover your pre-existing medical conditions before you travel?

While it’s not a legal requirement to have travel insurance for pre-existing conditions and disabilities in place, if you needed to cancel your trip due to your medical condition without insurance, you could be liable for loss of deposit or cancellation costs. Having specialist travel insurance means you will be protected for irrecoverable costs that you incur. Equally, your travelling companions will also be covered provided they are included on your policy. It’s important to read the Insurance Policy as terms and conditions will apply.

The importance of cover for your pre-existing medical conditions when you travel

One of the main reasons people purchase travel insurance is to cover themselves for emergency medical expenses. Provided you have declared your medical condition(s), you will be protected whilst travelling in the event you have a medical emergency due to your pre-existing medical condition and need treatment. Without the correct cover in place, you could be faced with having to pay thousands of pounds for medical costs or repatriation charges.

Plenty of standard travel insurance providers offer cheap prices, but it’s unlikely they will include the level of cover you need for your medical condition or disability.

Many of these insurance providers will exclude cover for health conditions, or may simply refuse to offer travel insurance for pre-existing medical conditions or disabilities altogether. This can lead to people travelling abroad without adequate cover, but it’s simply not worth the gamble. Not only can this put your health at risk, it can leave you liable for enormous bills if you need medical treatment while overseas, or if you need to be repatriated back home.

Is there really no age limit to Free Spirit medical travel insurance?

Our travel insurance for medical conditions and disabilities has no upper age limit, so whatever your age you can ensure you are covered when you go on holiday.

Your medical travel insurance checklist

Make sure to consider these key features when looking for travel insurance for medical conditions or disabilities:

1. When should I purchase cover?

It’s best to take out your travel insurance as soon as you have booked your trip, so that you have the benefit of cancellation cover.

With an Annual Multi-trip policy, cancellation cover begins on the date you choose to start your policy. If you already have a trip booked and you want to be covered immediately, you should select today’s date.

With Free Spirit, you can choose to start your Annual Multi-trip policy later (up to 31 days from today’s date) but there would not be any cancellation cover between now and the start date you choose.

2. Can you add your travelling companions to your policy?

With Free Spirit, you can. They too can claim if you needed to cancel your holiday because of your pre-existing medical condition or if your trip had to be cut short because you became unwell.

3. Does your insurance provider understand your health needs?

A specialist provider like Free Spirit will be more sympathetic to your unique medical needs. Our travel insurance policies are specially designed for people like you.

4. Do you have the freedom to travel where you want to?

We believe if you are well enough to travel to your dream destination, you should be covered to do so. Free Spirit will aim to cover your medical conditions or disability throughout Europe, as well as further afield such as the USA, Canada or the Caribbean (although these countries mean higher premiums).

5. Will you be covered for other essential aspects of travel?

Make sure your policy has cover not just for emergency medical and cancellation costs, but for your personal belongings and travel documents too. If your flight is late leaving, will you be covered for travel delay or journey disruption? How about if you lose your prescribed medication or medical aids? With Free Spirit, you’re covered*.

6. What medical questions will I be asked when I apply for a quote?

You will be asked a series of questions relating to your specific medical condition. It is important to have all that information to hand when you are applying for a quote so you can accurately answer all the questions.

Insurers do not normally ask to see your formal medical records when you apply for travel insurance, but may request them if you make a claim.

7. Can I obtain travel insurance if my condition is terminal?

Free Spirit is one of the few specialist providers that can provide cover for people with terminal or life limiting conditions. For a quotation, please call us on 0800 170 7704. We are open 8am to 6pm, Monday to Friday, closed Bank Holidays.

8. What is the excess on the policy?

Check the excess you will have to pay in the event of claim. Some standard travel insurance policies with cheap rates may be tempting, but the excess can catch you out! Our policy excess is never more than £100 per person.

9. Am I covered for taking part in activities whilst I’m away?

If you are planning to take part in activities on holiday, it’s important to check if you are covered. Free Spirit provides cover for over 100 activities free of charge.

10. Does the policy include cover for medical aids and medication?

For those travelling with a medical condition, the chances are that you will be taking medication with you. The Free Spirit policy includes cover for loss or damage to medical aids up to £1,000 (‘Super’ cover) and up to £2,000 (‘Super’ Duper). Loss or damage to prescribed medication is covered up to £250 (‘Super’ cover) and up to £500 (‘Super Duper’ cover).

The pre-existing medical conditions and disabilities we cover

We aim to provide specialist travel insurance for virtually any medical condition or disability, including:

Cancer (all types) Travel Insurance

We are specialists in providing cover for all types of cancer, including:

Read more

Heart Condition Travel Insurance

Don’t let a heart condition stop you from travelling. Get a specialist quote and cover today from Free Spirit.

Read more

Mental Health Travel Insurance

If you have a mental health condition, we can provide you with the cover you need when you travel abroad.

Read more

Brain and Cerebral Conditions Travel Insurance

Most types of brain-related condition can be covered with Free Spirit travel insurance.

Read more

HIV and AIDS Travel Insurance

With Free Spirit, you get travel insurance to cover HIV and AIDS that includes cover for the complications that may occur as a result of the condition.

Read more

Back Problems and Neck Conditions Travel Insurance

Free Spirit can provide travel insurance for people with back problems. No matter what the issue, we hope to be able to offer you the peace of mind you need when you travel.

Read more

Circulatory and Blood Conditions Travel Insurance

Don’t let circulatory conditions stop you from travelling. Our specialist travel insurance includes cover for loss or damage to prescribed medications.

Read more

Bowel and Bladder Conditions Travel Insurance

Travelling with a bowel condition can be uncomfortable. Take the stress out of your planning and get a travel insurance quote and cover with Free Spirit.

Read more

Central Nervous System Disorders Travel Insurance

Most types of central nervous system disorder can be included in your travel insurance cover with us.

Read more

Breathing and Lung Conditions Travel Insurance

Most pre-existing breathing conditions will need specialist travel insurance. Cover yourself with Free Spirit’s specialist travel insurance policy.

Read more

Joint and Bone Conditions Travel Insurance

We can provide travel insurance for people with pre-existing joint conditions.

  • Arthritis
  • Brittle bone disease
  • Broken bone
  • Osteopenia
  • Osteoporosis
  • Sciatica

Read more

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.

  • Kidney disease
  • Kidney infections
  • Renal failure

Read more

Rare Conditions Travel Insurance

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

  • Genetic disorders
  • Epidermolysis bullosa
  • Neuroendocrine cancer
  • Progeria

Read more

Liver Conditions Travel Insurance

Pre-existing conditions relating to the liver may be covered by Free Spirit travel insurance. Apply for cover today for peace of mind travel.

  • Cirrhosis
  • Fatty liver
  • Gall stones
  • Hepatitis
  • Liver failure

Read more

Disability Travel Insurance

Don’t let a disability stop you from travelling. We cater for a number of different disabilities and include cover for loss or damage to medical aids and prescribed medications.

  • Cerebral palsy
  • Motor neurone
  • Muscular Dystrophy
  • Multiple Sclerosis (MS)
  • Parkinson’s
  • Polio

Read more

Organ Transplant Travel Insurance

If you have had an organ transplant, it can be hard to find the travel insurance cover you need.

  • Heart transplant
  • Kidney transplant
  • Liver transplant
  • Lung transplant
  • Pancreas transplant

Read more

Call us today on 0800 170 7704 and talk to our friendly staff. We are open 8am to 6pm, Monday to Friday, closed Bank Holidays.

*As with all travel insurance policies, terms, conditions and exclusions will apply.




  • Testimonials

    I felt it was only fair to say thank you for a job well done on our behalf without much upset. I was gutted that we had to cancel our special cruise a…
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  • 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.
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Last updated: 1st November 2017.