The geographical areas you can travel to on a single trip policy are as follows:

United Kingdom – England, Wales, Scotland, Northern Ireland and Isle of Man.

Europe – Albania, Andorra, Austria, the Azores, Belgium, Balearics, Bosnia-Herzegovina, Bulgaria, Canary Islands, Corsica, Croatia,
Cyprus, Czech Republic, Denmark (and the Faroe Islands), Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland,
Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Malta, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland,
Portugal, Republic of Ireland, Romania, Russia (west of the Ural mountains), San Marino, Sicily, Slovak Republic, Slovenia, Spain,
Sweden. Switzerland, Tunisia and Turkey.

Australia & New Zealand – Australia, including Territory of Cocos (Keeling Islands, The Territory of Christmas Island, Norfolk Island
and Lord Howe Island) and New Zealand, including the Cook Islands, Niue and Tokelau (including up to 48 hours stopover in a
country within a Worldwide area).

Worldwide – excluding Canada, Caribbean, China, Hong Kong, USA, Afghanistan, Cuba, Iran, Liberia, North Korea and Sudan but
including Egypt and Israel.

Worldwide – including Canada, Caribbean, China, Hong Kong, USA but excluding Afghanistan, Cuba, Iran, Liberia, North Korea
and Sudan.

Do be aware that you will not be covered if you travel outside the area you have chosen, as shown on your policy schedule.

Yes, in fact some features on our policy are specifically for travel within the UK. For example, you will benefit from up to £10,000 for indirect medical costs if you are injured or fall ill while away.

The maximum duration of any single trip is 115 days (although for persons aged 76 years and over the maximum duration is 45 days). If you are travelling for longer than 45 days and you are aged 76 or over, please call us on 02392 419 080.

No upper age limit for most destinations on Single Trip cover.

The start date of your policy should be the day that you leave home. Your end date should be the date you return home. Although, this could be a different day to the day you leave your holiday destination so do ensure your policy covers you and your party for the entirety of your scheduled return journey.

Cancellation cover starts on the date you purchase your policy so even if your holiday/trip is some time away, you will be covered for cancellation until the day your trip starts. For this reason, it is beneficial to purchase a travel insurance policy as soon as you have booked your travel.

Under all other areas of cover, it initiates when you leave your home and ends when you return home.

No upper age limit for most destinations on Annual Multi-trip cover.

You can travel as often as you like within the 12 month period. There is a limit of 32 days (Standard Cover and Super Cover) and 45 days (Super Duper Cover) for any one trip.

Yes, your cover applies not only in your chosen geographical area, but also in the UK for trips of 2 or more nights.

In fact, some features on our policy are included with domestic travel in mind. For example, up to £10,000 cover is available for indirect medical costs if you are injured or fall ill while away.

You will not be covered if you travel outside the area you have chosen, as shown on your Policy Schedule.

•United Kingdom (England, Wales, Scotland, Northern Ireland, the Channel Islands and the Isle of Man).

• Europe: Albania, Andorra, Austria, the Azores, Belgium, Balearics, Bosnia-Herzegovina, Bulgaria, Canary Islands, Corsica, Croatia, Cyprus, Czech Republic, Denmark (and the Faroe Islands), Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Malta, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Russia (west of the Ural mountains), San Marino, Sicily, Slovak Republic, Slovenia, Spain, Sweden. Switzerland, Tunisia, and Turkey.

• Australia & New Zealand: Australia, including the Territory of Cocos (Keeling Islands, The Territory of Christmas Island, Norfolk Island, and Lord Howe Island) and New Zealand, including the Cook Islands, Niue, and Tokelau (including up to 48 hours stopover in a country within a Worldwide area).

• Worldwide - excluding: Canada, Caribbean, China, Hong Kong, USA, Afghanistan, Cuba, Iran, Liberia, North Korea, and Sudan but including Egypt and Israel.

• Worldwide - including Canada, the Caribbean, China, Hong Kong, USA but excluding Afghanistan, Cuba, Iran, Liberia, North Korea, and Sudan.

We are not able to extend the Annual Multi-trip policy. The maximum duration for any one trip is 32 days (Standard Cover and Super Cover) and 45 days (Super Duper Cover).

If you exceed the maximum trip duration, any claims during your holiday will not be covered.

If you have Annual Multi-trip cover, we will contact you prior to the expiry of the period of insurance as shown on your Policy Schedule. We will give you at least 21 days written notice before the expiry date.

On receipt of the reminder, we will ask you to complete a new application as we need to make sure that your details are based on your health at the time of taking out a new policy for the next 12 months.

No. Adults may travel independently but children under 18 years of age must be accompanied by an insured adult.

If you are asked to pay a small bill for medicines and/or outpatient treatment it is often easier to settle your bill direct, keep all receipts and claim for the costs incurred on your return home.

If you are admitted as an inpatient, or you require outpatient treatment which is likely to exceed £500, then you must contact the 24 hour Medical Emergency Assistance prior to receiving treatment.

Our claims handling team aim to resolve your claim as quickly as possible. It is important that you provide all the information you are asked at the time of claim to prevent any delays.

You can pay by debit or credit card. We accept Mastercard and Visa. The payment will show on your statement as ‘P J Hayman'.

Once you have purchased your policy, you will receive an email from Free Spirit with instructions on how to access your policy documents.

Please note – if you have not received your email after a few hours, please check your spam email.

Please ensure you have set up an account. If you have not already done this, you can create an account by clicking this link. You will need to provide your first name and last name, date of birth and email in order to activate your account.

Please note, please ensure you use the same details to create your account that you used when obtaining a quote and purchasing your policy online.

If you are not completely satisfied with the cover provided and have not already travelled and are not making or intend to make a claim, you may cancel your policy within 14 days of purchase and we will refund your full premium.