Free Spirit

We are pleased to be able to offer FREE SPIRIT travel insurance, which is a special travel insurance product designed to cover most high risk medical conditions and disabilities. With its sophisticated rating structure and database of medical conditions, Free Spirit can provide cover for - 

• persons over 80 years for Single Trip policies
• persons over 65 years for Multi Trip policies
• no age limit but certain restrictions may apply to destinations and durations of trips
• cover level options 
• extended trip duration on multi trip option
• Cover for most existing medical conditions and disabilities
• Online medical screening, instant quotes and buy online
• Terminal cases considered
• After care cover at home following hospitalisation abroad
• Convalescence benefit following hospitalisation abroad (over 5 days)

Please see the documents on the left of this page to review the levels of cover available to you, there are two levels of cover.

RESIDENCY

Free Spirit is available to residents of the United Kingdom, the Channel Islands or BFPO who are registered with a United Kingdom or Channel Islands medical practitioner. All trips must start and end in the United Kingdom or Channel Islands or BFPO.

HEALTH CONDITIONS

Health conditions are declared as you progress through the online quote process, following which we can confirm the cost. You can then proceed to securely buy online.

Medical costs abroad can be very expensive especially if you have to be repatriated home. Without appropriate insurance cover you could be left severely out of pocket.

You must therefore carefully read the ‘Medical Warranty’ that is shown as you progress through a quote and to accurately declare all medical conditions. If you give incorrect answers or forget to tell us about a medical condition, this could lead to a claim not being paid.

So that you (and anyone to be insured) can be covered for existing medical condition(s), you must provide all relevant medical history as shown below.

a) Any of the following conditions, for which you have received treatment (including prescribed medication) within the 5 years prior to your policy issue date:

• any respiratory condition (relating to the lungs or breathing);
• heart or heart related condition;
• circulatory condition (relating to the blood or circulation);
• kidney or renal condition;
• liver condition;
• condition relating to the pancreas (e.g. diabetes);
• cerebral or neurological condition (relating to the brain);
  stroke;
• central nervous system disorder or irritable bowel disease.

b) Any malignant condition e.g. cancer for which you have received any diagnosis or treatment (including prescribed medication)
within the 5 years prior to your policy issue date;

c) Any medical condition for which you have within the 2 years prior to your policy issue date:

• received surgery; inpatient or outpatient treatment;
• had any tests or investigations in a hospital or clinic;
• been seen by a specialist consultant.

d) Any psychiatric or psychological condition for which you have received any diagnosis or treatment (including prescribed
medication).

e) Any re-occurring health condition, or any other medical condition which within the 2 years prior to your policy issue date which:

• has been treated in hospital;
• has been referred to a specialist;
• you are waiting for any tests or treatment of any description;
• your doctor has altered your regular prescribed medication in the 6 months prior to your policy issue date.

COOLING OFF PERIOD 

If, within 14 days of purchasing a policy, you decide that it is not suitable, you can cancel the policy for a full refund. However, if more than 14 days have elapsed, refer to the guidelines below in respect of single trip and annual multi-trip policies.

Single trip policies

If you cancel after the 14-day period has elapsed you will receive a partial refund of the premium. This is calculated by deducting of 30% of the full premium in respect of the cancellation cover you have received.

Annual Multi-trip policies

Upon cancelling your policy you will receive a refund of a proportion of the premium, as shown in the table below:

Any policy where travel has already taken place or a claim has been made will not be eligible for refund. Once refunded, no future claims can be made against the policy.

Free Spirit is arranged by travel insurance specialist, P J Hayman & Company Limited who are authorised and regulated by the Financial Conduct Authority. Financial Services (FS) Register Number: 497103. Registered Office: Stansted House, Rowlands Castle, Hampshire PO9 6DX. Registered in England - No. 2534965.