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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) £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 and holiday insurance for Europe with pre-existing medical conditions

We offer European single trip cover with no upper age limit, and European annual multi-trip policies up to the age of 80 years. Our European annual policies will also cover you for trips within the UK!

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 17 years!

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Having an European Health Card (EHIC CARD)

It is always worth applying for or taking your European Health Card (EHIC card) 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.

It's important to note that, the EHIC 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 EHIC along with your travel insurance as the following items are not covered by the EHIC:

  • Medical expenses in Turkey, Isle of Man, Monaco, San Marino and The Vatican
  • Additional cost of accommodation if you or a traveling companion are forced to stay in a foreign country longer than expected due to a medical problem
  • Repatriation to the UK
  • Cancellation of a holiday
  • Baggage
  • Legal Expenses

Should the EHIC card cease to be available to UK residents, don’t worry, our travel insurance will still cover your emergency medical expenses, as well as all our other benefits, regardless of whether you receive a reduced medical bill or not.

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.

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

Yes, an EHIC 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 EHIC 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

"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

Where the European Health Card (EHIC Card) 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 European Health Card. 

With Freedom, you would need to declare any medical conditions where you are taking prescribed medication, have received treatment, attended a medical practitioner's surgery or attended a hospital for in or out-patient treatment in the last 2 years.

You would also need to declare if you have ever been diagnosed with any of the following:

- cancerous, respiratory, heart or circulatory conditions (including problems with blood flow, strokes, high blood pressure and cholesterol)

- psychological conditions such as stress, anxiety, depression, or psychiatric condition such as eating disorders, drug or alcohol abuse or mental instability. 

If you are unsure whether you need to declare a condition, you can phone us on 01223 446 914