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European Travel and Holiday Insurance

European Travel Insurance designed for people with pre-existing medical conditions

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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) £10,000 (£50)
Emergency Medical & Repatriation £5,000,000 (£100) £10,000,000 (£75) £10,000,000 (£50)
Missed Departure £750 (£100) £1,000 (£75) £1,250 (£50)
Baggage and Personal Belongings £750 (£100) £1,000 (£75) £2,000 (£50)

Cover limits are per person, per trip.

View our policy wording and full list of cover benefits


Travel and holiday insurance for Europe with pre-existing medical conditions

At Freedom Insurance we offer European single trip cover with no upper age limit, and European annual multi-trip policies up to the age of 79 years. As standard, European annual multi-trip policies will cover you to travel up to 31 days per trip. If you are aged 75 or under, this can be extended to 45 days for an additional premium. European annual cover also includes trips within the UK subject to our policy terms and conditions.

The cost of travel insurance can vary significantly depending where you are travelling to in Europe, as insurers take into the account the medical/repatriation costs for each country. Our trained insurance agents can help you look into quotes to different countries and help you build a better picture of how much each of part Europe costs for you!

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Freedom's been providing travel and holiday insurance to people with pre-existing medical conditions for over 20 years!

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Having a Global Health Insurance Card (GHIC)

It is always worth applying for or taking your UK Global Health Insurance Card (GHIC) as in the event of a medical claim, if you make use of a reciprocal health agreement you will not have to pay the excess.

If you have a UK EHIC card, it will remain valid until the expiry date. Once it expires, you'll need to apply for a GHIC to replace it.

Apply for a UK Global Health Insurance Card

It's important to note that the GHIC does not work in the same way as travel insurance and will not cover you for all the things that insurance does. In order to ensure you are fully covered you should use the GHIC along with your travel insurance as numerous items may not be covered.

Award winning customer service

"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."

Trusted Customer

Applying for pre-existing medical travel and holiday insurance for Europe

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.

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


If I have an Global Health Card do I still need travel insurance?

Yes, an GHIC entitles you to free or reduced cost state healthcare for medical treatment that becomes necessary during your trip, for example because of illness or an accident. But you will still need travel insurance as the GHIC only covers EU state hospital treatment and doesn’t include many other important elements of travel insurance


Stay informed

Check VISA requirements. The turbulence of negotiations with the EU will undoubtedly cause confusion when it comes to travelling to Europe. Read up on government advice or any new rulings that may affect your journey and prepare for them appropriately


Will I be charged extra for medical care after Brexit?

While Brexit will likely affect many aspects of traveling to the EU, one thing that is certain is that obtaining travel insurance to cover you while on a European trip will still be fully available at Freedom Insurance. It is always sensible to purchase your insurance when you book your holiday

Medical travel insurance frequently asked questions

Where the GHIC will provide medically provided state healthcare within the EEA and Switzerland it does not provide repatriation to the UK or the additional cost of accommodation to stay with you

Yes. In the event of a medical claim then no excess will apply in the event of a medical claim.

To apply please use the following link Global Health Insurance Card. 

Medical questions vary from insurer to insurer so it's important to ensure you have declared any condition falling within our medical declaration. Some conditions are accounted for over the last two years, while others are assessed on a life-time basis. You'll find our declaration in your policy wording or during our quote journey.

Please note: If you are currently on a waiting list or aware of the need for surgery, tests, treatment or investigations we may be not be able to offer an insurance quote. Please call us on 01223 446 914 so we can explore cover options with you.