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Travel Disruption Cover

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


Travel disruption cover included in your Freedom policy

The purpose of travel disruption cover within our policy is to help you if you experience certain disruptions to your travel plans and you are left out of pocket. However, under certain circumstances, your tour operator or transport provider may be responsible for providing assistance and compensation. If the loss you have suffered is covered by the compensation scheme of your tour operator or transport provider, we will not provide the same cover under this policy. You may also be covered by your credit/debit card provider under the Consumer Credit Act if the services you have paid for are not provided as agreed e.g. if a company becomes insolvent.


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

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Get An Online Quote

OR 01223 446 914

What is covered by travel disruption automatically included with the Freedom Insurance

Travel Delay - Cover if the departure from your international departure point is delayed by more than 12 hours after your scheduled departure time because of disruption to your transport providers' service.

Missed Departure - Cover is provided if despite having taken reasonable steps, you did not reach your international departure point in time to check-in.

Trip Abandonment - Cover if you decide that you no longer want to go on a planned trip because your transport providers' service from your home country is delayed for 24 hours or more.

Scheduled Airline Failure - During your trip, if your scheduled airline on which you were booked suffered insolvency or financial failure and you were unable to return to your home country.

Natural Disaster - Cover is provided for alternative accommodation following a natural disaster during your trip.

All benefits listed are subject to our policy terms and conditions, exclusions may apply. Applicable excess' will vary depending on the cover level chosen. For full details view our Policy Wording.

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.


The freedom policy automatically includes travel disruption

This offer you further protection if your travel provider ceases trading and you are unable to claim from the compensation scheme of your tour operator or transport provider/credit or debit card provider


When to buy cover

You are covered for travel disruption from the date of purchase of your policy


Travel disruption covers you for adverse weather conditions

It is important that you purchase your travel insurance when you book your holiday you would then be covered for cancellation due to adverse weather as long as the adverse weather had not been publicly announced prior to purchasing the policy 

"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 do not need the names of the medication or the dosage. What we do need to know are the names of the diagnosed medical conditions for which you are prescribed medication. If you are unsure of this please consult your doctor.

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

Generally, Freedom is unable to offer cover for people on a waiting list for surgery but there are exceptions to the rule. Talk to the Freedom Call Centre on 01223 446 914 where we can look if there are any options available , it may be that we can find you a policy that excludes cover for the medical condition relating to the pending surgery.