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Freedom Travel Insurance


COVID-19: All Freedom policies cover emergency medical expenses whilst abroad and cancellation if you test positive within 14 days of your trip

Travellers should check the latest FCDO travel advice for their destination at gov.uk prior to purchasing insurance or travelling. There will be no cover under our policies if you travel to a country or area where the Foreign, Commonwealth & Development Office (FCDO) or Government are advising against all or all but essential travel. There is no cancellation cover if you are unable to travel due to the FCDO or Government advising against all or all but essential travel.

COVID-19 Travel Insurance

Travel insurance policies including cancellation and emergency medical expenses abroad relating to COVID-19

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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


Travel Insurance including COVID-19 benefits and pre-existing medical conditions

The new Freedom product (any policy quoted or sold from the 1st October 2020) will automatically include a range of additional COVID-19 cover benefits on both single trip and annual multi-trip policies. Visit our Policy Wording for full details.

  • Cancellation if you, or anyone insured on your policy, tested positive for COVID-19 within 14 days of your trip starting.
  • Repatriation if medically necessary following you, or anyone insured on your policy, testing positive for COVID-19 during your trip.
  • Emergency Medical Expenses associated with COVID-19 are covered whilst travelling.

For an additional premium:

  • Denied Boarding Cover if you were denied boarding on the return journey of your trip due to having or being suspected of having COVID-19. A positive test would be required.

*There is no cancellation cover if you are unable to travel due to Foreign, Commonwealth & Development Office (FCDO) advising against all or all but essential travel. Policy cover will be invalid if you travel against the advice of the government (FCDO), any regulatory authority or medical advice.

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Freedom Travel Insurance

Why choose Freedom?

Specialist travel insurance including pre-existing medical conditions

We are specialists with over 17 years of experience. We've been providing travel insurance policies for people with a variety of pre-existing medical conditions since 2002.

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Get An Online Quote

OR 01223 446 914

Applying for single trip or annual multi-trip travel 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 all your pre-existing medical conditions for all travellers.

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

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


When to purchase single trip insurance

You should purchase your policy once you have booked your holiday, you will then be covered for cancellation cover from the purchase date


Cover your whole trip

You need to cover your whole trip, taking into account the day that you arrive back in the UK



On a single trip we are able to rate on the country that you are travelling to, which enable us to offer a fairer price

"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 don't have an upper age limit on our single trip policies. However, the duration we can cover will vary depending on age. 

Our policies are available to you if you are permanently resident in the United Kingdom (UK) and registered with a general practitioner (GP) in the UK.

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.