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Single Trip travel insurance

Protect your holiday with a specialist single trip insurance policy

Specially designed for people of any age who have existing medical conditions or disabilities, our specialist single trip travel insurance is ideal for your annual holiday, short break away or a longer, once-in-a-lifetime adventure.

With our single trip travel insurance, you can insure your individual trips up to 94 days (or up to 45 days if you are aged 76 years or over), so you have time to really get away from it all, either in the UK or abroad.

Our ‘Super Duper’ level of cover is rated 5 Star by Defaqto which means that it has been independently verified to provide one of the highest quality offerings in the market.

Whilst having a pre-existing medical condition or disability can sometimes make it difficult to find suitable travel insurance, our single trip policy can give you the peace of mind and protection you need when you travel. We can create a single trip holiday insurance policy that’s catered exactly to your health needs, and that covers you for a multitude of essential travel eventualities.

For example, our single trip cover protects you if you need to cancel your trip, if your luggage is lost or stolen, or if you fall ill whilst away*. Click here for further details of the cover we provide.

You can choose between two levels of cover (‘Super’ and ‘Super Duper’), depending on your individual needs. ‘Super Duper’ provides the widest level of cover and it’s been rated 5 Star by Defaqto.

Why choose specialist travel insurance for a single trip from Free Spirit?

Free Spirit single trip travel insurance provides wide-ranging cover

Whatever type of trip you are planning; our single trip holiday travel insurance could offer the wide-ranging cover you need. You can purchase instant cover online anytime, so you can secure single trip travel insurance with medical conditions for those last-minute trips, even when our office is closed!

As well as the benefits listed above, you’ll be covered for repatriation to your home country (UK, Channel Islands and Isle of Man), personal liability, delayed departure and loss or damage to any medical aids you need to travel with. And, if you select the ‘Super Duper’ option, there is additional cover for scheduled airline failure insurance and journey disruption including airspace closure.

Cancellation cover starts on the date you purchase your medical travel insurance policy so, even if your holiday is a few months away, your travel policy will cover you for cancellation until the day your trip starts. This means that if you fall ill before your holiday starts and your doctor has advised against travel, you may be able to claim for unused travel and accommodation costs so you are not left out of pocket*.

* Please see the summary of cover for more information or take a look at the travel insurance policy for the full terms and conditions.

Click here to get a FREE single trip travel insurance quote

Cover your travelling companions on the same single trip policy

Travelling companions can also be covered on our specialist travel insurance for single trips, whether they have a pre-existing medical condition or not. By including your travelling companions on the same single trip insurance, you will ensure the whole party is covered. So, if you had to cancel your holiday due to your medical condition, your friends and family on the same policy would also be covered for any travel costs already spent, which may not be the case if they had taken out a policy elsewhere.

Single vs multi trip travel insurance

If you are planning to take more than one trip over the course of a year, it may be more cost-effective to take out an annual travel insurance policy, rather than one for each trip.

Our annual multi-trip travel insurance provides cover for an unlimited number of trips in a 12 month period, with a maximum duration per trip of up to 31 days (‘Super’ cover) or 45 days (‘Super Duper’ cover).

At Free Spirit, we can offer both annual and single trip travel insurance with pre-existing medical conditions or disabilities whatever your age!

We’re on hand to help

If you would like a no-obligation quote for single trip travel insurance, please apply online or call and speak to us.

Free Spirit has a dedicated UK-based customer service team to answer any questions you may have. Please call us on 0800 170 7704, between 8am and 6pm, Monday to Friday (closed Bank Holidays).

Single trip travel insurance FAQs

1. What is single trip travel insurance?

A single trip insurance policy is one that’s designed to cover one specific holiday or trip.

2. What is the difference between single trip and annual travel insurance?

Whereas single trip insurance covers just one holiday, a Free Spirit annual travel insurance policy covers an unlimited number of trips over a 12 month period, as long as none of the trips exceed the maximum trip duration limit (31 days with ‘Super’ cover and 45 days with ‘Super Duper’ cover) and that you return home in between each one.

3. Does single trip travel insurance cover cancellation?

Yes. With Free Spirit, you are covered for cancellation from the moment your single trip policy is purchased. If you were to become too unwell to travel in the run up to your departure date, we would be able to reimburse you for any travel expenses you have already incurred, subject to the terms and conditions of the policy.

4. How do I work out my travel dates?

The start date of your policy should be the day that you leave home. Your end date should be the date you return home. Note: this could be a different day to the day you leave your holiday destination.

Cancellation cover and scheduled airline failure insurance (available with ‘Super Duper’ only) starts on the date you purchase your policy, so even if your holiday is some time away, you will be covered for cancellation until the day your trip starts.

5. Is there an age limit on single trip insurance?

There is no upper age limit with Free Spirit.

6. What is the maximum duration of a Free Spirit single trip holiday insurance policy?

The maximum duration of any single trip is 94 days, or 45 days if you are aged 76 or more. If you are planning to travel for longer than 45 days and you are aged 76 or over, please call us on 0800 170 7704, we are open Monday to Friday 8am to 6pm, closed Bank Holidays.

7. Does single trip travel insurance cover multiple destinations?

Yes, as long as we know all of the destinations you will be visiting during your single trip, we can tailor a single trip policy to match. Please see the question and answer below for a full list of Geographical Areas on a single trip policy.

8. What are the Geographical Areas on a Free Spirit single trip policy?

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

Europe 1 – including: Austria, Azores, Belgium, Bulgaria, Channel Islands, Corsica, Croatia, Czech Republic, Denmark, 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 up to 48 hours stopover in a country within a Worldwide area). Australia, including Territory of Cocos (Keeling Islands, The Territory of Christmas Island, Norfolk Island and Lord How Island) and New Zealand, including the Cook Islands, Niue and Tokelau.

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

Worldwide (inc. USA/Canada/Caribbean) – 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.

9. Do you cover one-way trips?

No, Free Spirit only covers round trips that start in and return to the United Kingdom, Channel Islands or the Isle of Man. However, please contact us on 0800 170 7704 as we may be able to offer an alternative policy. We are open Monday to Friday 8am – 6pm, closed Bank Holidays.

10. Can I extend my policy if I decide to stay longer?

Subject to Underwriters agreement, we can extend a single trip holiday insurance policy providing you let us know BEFORE your policy expires and that at the time of requesting the extension you are not intending to make a claim.

Please note – this is subject to the total trip duration including the extended period not exceeding 94 days (45 days if aged 76 years or over), which is the maximum trip duration of our single trip policy. You will be advised of the additional premium at the time of the request.

Please contact us on 0800 170 7704 to discuss your requirements. We are open Monday to Friday 8am – 6pm, closed Bank Holidays.




  • Testimonials

    I have used Free Spirit on several occasions now, and I would recommend this company to everyone. The customer service teams’ knowledge, support, un…
    Sarah BHalifax
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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.
    Read Q&As
    Ask Mary


Last updated: 29th March 2018.