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Annual Multi-Trip Travel and Holiday Insurance

Annual travel and holiday insurance designed for people with pre-existing conditions by medical travel insurance experts

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Medical Cover

Medical Cover

Medical Cover

Cancellation Cover

Medical Cover

Baggage Cover

Medical Cover

from £50
Policy Excess

View our policy benefits and cover limits

Benefit (excess) Silver Gold Platinum
Cancellation & Curtailment £1,500 (£100) £5,000 (£75) £7,000 (£50)
Emergency medical cover £5,000,000 (£100) £10,000,000 (£75) £10,000,000 (£50)
Repatriation £200,000 (£100) £200,000 (£75) £200,000 (£50)
Baggage and Personal Belongings £750 (£100) £1,000 (£75) £1,500 (£50)
Missed Departure £750 (£100) £1,000 (£75) £1,250 (£50)

Cover limits are per person, per trip.

View policy wording and full list of benefits


Annual multi-trip insurance cover

An annual multi trip policy is the perfect option if you have several trips planned or simply want a policy that gives you the flexibility to travel where you want, when you want.

We offer a range of annual travel insurance options with a maximum trip length of either 31 days for clients up to the age of 80. For clients under the age of 75, we can extend this duration to 45 days per trip for an additional premium.

The following annual multi-trip policies are available:

  • UK including Channel Islands
  • Europe
  • Rest of the World - excluding USA, Canada, Mexico and Caribbean
  • Worldwide 

With Freedom, you can obtain a comprehensive insurance policy including pre-existing medical conditions, cancellation cover, emergency medical and a whole host of additional activities to give you peace of mind for an entire year! 

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OR 01223 446 914

Freedom's been providing travel and holiday insurance to people with pre-existing medical conditions for over 17 years!

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Get An Online Quote

OR 01223 446 914

Annual medical multi-travel insurance for people with pre-existing conditions

If your holiday plans include your partner and family, we can tailor policies to ensure you are all covered, saving you both time and money. You can also cover all family members on the same policy, which will also cover them travelling individually.

On our annual policies you can choose to extend the maximum trip length to 45 days per trip.

Cover is available for a range of activities and many are covered as standard. If you are planning winter sports or more extreme activities such as sky diving or mountaineering, we have 8 activity packs to cater to your every need. 

Freedom offer cancellation cover that varies from £1,500 to £7,000 per trip - meaning that you can select a policy which is suitable for each individual trip.

Freedom Travel Insurance

Why choose Freedom?

If you are planning an adventure holiday, we have 8 activity packs available

We cover more than 50 activities with no additional charge across all of our policies. If you are planning something more extreme, we can cover additional activities such as mountaineering, sky diving and winter sports for an additional premium. 

Applying for annual pre-existing medical travel and holiday insurance

You can apply here online or over the telephone; it’s quick, simple and totally confidential. To provide you with a quote, you’ll need to let us know where you are travelling to and for how long. Make sure to declare any pre-existing medical conditions that apply to you and anyone else on the policy.

You will be guided through a medical screening questionnaire, where a series of relevant questions will be asked to assess your health. These questions should be answered accurately and to the best of your knowledge.

You will then be presented with the available policy options, which include cover for declared medical conditions as well as cover for cancellation, baggage, personal accident and lots more.

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Get An Online Quote

OR 01223 446 914


Flexible travel for either 31 or 45 days per trip

At the time of booking your insurance you'll be able to select either 31 or 45 days per trip on annual policies 


Activity cover

Our annual policies automatically include cover for a range of activities with extra options and winter sports available for an additional premium



We can offer annual policies for the UK, Europe, Rest of the World (excluding USA, Canada, Mexico and Caribbean) or Worldwide

"Excellent company and great service. I have used Freedom for many years. Peace of mind that we are covered for medical conditions and can enjoy our holiday. Very easy to use, online quotes and staff on the phones are very helpful, thanks."

Claire Davies

Tips for travellers with medical conditions

Medical screening and declaring pre-existing conditions

Insuring travelling companions on the same policy

Dealing with medical emergencies abroad

Our team of friendly, medically aware travel insurance agents are here to help

Medical travel insurance frequently asked questions

We use a medical risk assessment tool to enable us to provide you with a quote. You will be asked a number of questions about your medical status. From the information provided we will base our quotes on your health status.

As we operate an on-going medical warranty, you will need to inform us of any health changes that occur between your quotation/purchase date and the date of travel. We may be required to ask additional questions to ensure your travel insurance is up to date and fully covering you for the trip.

Yes you do our whole aim is to cover you fully, if you do not declare all of your pre-existing medical conditions then you will not be fully covered in the event of a claim and risk invalidating your insurance