Travel Insurance with Pre-existing Medical Conditions and Disabilities

We are different from standard travel insurance providers.We do our utmost to help people with impairments, 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.

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 conditions we cover include:

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

Scroll down for a list of medical categories 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, to get the cover that’s right for you.

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 that irrecoverable costs that you incur are covered. Equally, your travelling companions are also covered provided they are included on your policy.

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 overseas if you have a medical emergency due to your pre-existing medical condition. Without the correct cover, you may have to pay thousands of pounds for medical costs or repatriation charges.

Plenty of standard travel insurance providers offer cheap prices. However, it is 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. It’s simply not worth the gamble. Not only is your health at risk but enormous bills may be due if you need medical treatment while overseas, or if you need to be repatriated back home.