Free Spirit

For travellers of any age with medical conditions.

Travel Plus

Travel Insurance that gives you more.

Adventures

For hazardous activities while overseas.

Longstay & Backpacker

For all types of extended trips.

Top Up My Cancellation Cover

Up to £50,000 additional cancellation cover.

High Value Cancellation Cover

Cover for ultra high net worth travel.

Coach Plus

Especially for Coach Trips in the Uk & Europe.

Euro Plus

European motor breakdown cover.

Mission, Vision & Values

Giving travellers the freedom to travel, with confidence.

Our History

Over thirty years providing specialist travel insurance solutions.

Reviews

Happy customers are are the heart of everything we do.

Awards

Our work has been recognised in some prestigious awards.

Our Team

The people who make P J Hayman what it is.

Contact

All P J Hayman Key Contacts and how to get in touch.

GHIC Card

What The GHIC Card Offers You When You Travel

Are you and your clients aware of the Global Health Insurance Card (GHIC)? Travelling to and from the EU has changed post-Brexit. However, travelling with a Global Health Insurance Card and...

Specialist Travel Insurance for Veterans banner

Specialist Travel Insurance for Veterans

On Tuesday 4th June at 08:00, 25 D-Day veterans departed by ferry from P J Hayman’s closest city – Portsmouth - to France alongside a flotilla of vintage warships. These included Royal Navy...

travel insurance expensive

Why is travel insurance expensive?

If you've recently questioned why is travel insurance expensive? Our knowledgeable team has uncovered the answers. Travel insurance may add to the costs of a holiday. However, travelling with a...

Free Spirit Improvements

From the 3rd of May, improvements are coming to Free Spirit. These are designed to allow more people to go for longer trips with higher rates of cover. The product is also moving to a new A-rated...

product manager

Meet P J Hayman’s Product Manager

We recently welcomed Michelle to our team as our new Product Manager. Michelle brings a wealth of expertise to our friendly team of expert advisors. She'll be reviewing our range of products,...

Free Spirit

For travellers of any age with medical condition cover

Medical Conditions and Disabilities Covered

We give travellers peace of mind, despite medical conditions or disabilities. We can even consider terminal conditions.

Cover for Travellers of Any Age

We believe strongly that everyone should be able to travel whatever their age. This is why we created Free Spirit with no age limits.

Cruise Cover Included

We will cover Cancellation & Medical costs for cruise holidays as standard. So, travellers can enjoy any cruise, from a river-based short trip to a round-the-world voyage.

Single and Annual Policies

Choose between a single trip or any number of trips over an annual period.

5 Star Cover

Free Spirit super duper cover is rated 5 star by Defaqto, making it one of the highest quality products on the market.

Free Spirit was the first insurance of its type specifically created for people being refused cover elsewhere simply due to their health. In the last 20 years, Free Spirit has helped tens of thousands of people of all ages to obtain cover for their often much needed holiday.

Get the freedom to travel, with confidence!

Free Spirit cover most medical conditions and disabilities, from common illnesses such as Asthma to rarer conditions like Haemophilia. Cover can even be considered for some life-limiting and terminal conditions.

You will obtain cover for 100 activities – for free, with a further 3 travel packs available.

To find the best cover level to suit your needs, choose from Super Duper or Super Cover. Both provide cover for all medication and medical aids. Super Duper cover includes extended journey disruption and is rated 5-star by Defaqto.

What’s Covered

The following tables reflect a summary of cover available on the policy. You can find full cover detail, including definitions, terms and conditions, on your policy wording. We recommend reading this document prior to taking out cover, and referring to it when the need arises, during the duration of your cover.

Free Spirit is arranged in two cover levels: Super and Super Duper. In each, cover is structured in sections A to O. Section N is an additional level of Winter Sports cover, available as an option and subject to an additional premium.

Super cover
Limit
Excess
Super Duper cover
Limit
Excess
A - Cancellation
£3,000
£95
£6,000
Nil
B1 - Emergency Medical & Associated Expenses
£10m
£95
(applies to section B1 only)
£10m
Nil
(applies to section B1 only)
 Emergency dental treatment
£250
£400
 Kennel & cattery costs
£500
£500
B2 - Cover at home following hospitalisation abroad
 Home help
£500
£500
 Cosmetic surgery
£3,000
£3,000
 Dental treatment
£300
£300
 Physiotherapy
£750
£750
 UK Convalescence
£750
£750
B3 - UK Trip non-medical cover
£10,000
£10,000
C - Overseas Hospital Benefit
£1,000 (£30 per 24 hours)
Nil
£1,500 (£50 per 24 hours)
Nil
Super cover
Limit
Excess
Super Duper cover
Limit
Excess
D - Curtailment
£3,000
£95
£6,000
Nil
E - Personal Possessions
£1,500
£95
£3,000
Nil
 Single article, pair or set limit
£300
£500
 Valuables limit
£500
£750
Possession delayed whilst being transported (over 12 hours)
£250
Nil
£250
Nil
Loss or damage to medical aids
£1,000
£50
£2,000
Nil
Loss or damage to prescribed medications
£250
£20
£500
Nil
F - Personal Money, Passport & Travel Docuaments
£500
£95
£1,000
Nil
Cash Limit
£200
£500
Loss of Passport
£200
Nil
£400
Nil
G - Personal Accident
£10,000
Nil
£20,000
Nil
Death
Loss of limb / loss of sight
Permanent total disability
Burial or cremation costs
£5,000
£5,000
Super cover
Limit
Excess
Super Duper cover
Limit
Excess
H - Personal Liability
£2m
£95 (Property damage only)
£2m
Nil
I - Extended Journey Disruption
No cover
-
£3,000
Nil
J - Delayed Departure (after 12 hours delay)
£200 (£50 per 12 hours delay)
Nil
£400 (£100 per 12 hours delay)
Nil
or
Trip Abandonment (after 12 hours delay)
£2,500
£95
£5,000
Nil
K - Missed Departure / Missed Connection
£1,000
Nil
£2,000
Nil
L - Travel Risks
Hijack / Kidnap
£2,500 (£100 per 24 hours)
Nil
£2,500 (£100 per 24 hours)
Nil
Mugging
£250 (one-off payment)
Nil
£250
Nil
Natural Disaster
£750
Nil
£750
Nil
M - Legal Advice & Expenses
£30,000 (£60,000 policy max)
Nil
£50,000 (£100,000 policy max.)
Nil
N - Gadget Cover
£1,000
£50
£1,500
£50
Super cover
Limit
Excess
Super Duper cover
Limit
Excess
Winter Sports
Own Ski Equipment
£500
£95
£750
Nil
 Single Article, pair or set limit
£300
£500
Hired Ski Equipment loss / damage
£150
Nil
£250
Nil
Delayed Ski Equipment (after 12 hours)
£200
Nil
£300
Nil
Loss of Ski Pack
£300
Nil
£500
Nil
Avalanche / Weather Delay
£200
Nil
£500
Nil
Piste Closure
£300 (£30 per 24 hours)
Nil
£500 (£50 per 24 hours)
Nil

Eligibility & Restrictions

Eligibility

Free Spirit is available to people of any age, who are residents of the United Kingdom (England, Wales, Scotland and Northern Ireland), the Channel Islands, the Isle of Man, or for members of the British Armed Forces.

To be eligible for a policy, all persons travelling should be fit to travel and not be travelling against advice of a doctor.

Age Limits

There are no age limits: Travellers of any age can take out a Free Spirit policy.

Trip Limits

Single Trip

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 travel is for longer than 45 days for someone aged 76 or over, please call us on 02392 419 080.

Annual Trip

As many trips as desired can be taken within the duration of the 12 month policy duration. For individual trips there is a limit of 32 days on Super policies, and 45 days on Super Duper policies.

Frequently Asked Questions

There follow some commonly asked questions to give you more information about Free Spirit Travel Insurance and the cover offered. If you have a question that is not answered below, please reach out using the options on the contact us page.

Please use the options at the top to explore each section. Each question can be expanded in turn by clicking on it.

General
Single Trip
Annual Multi-trip
24-hour Medical Emergency Service
Making a Claim
Buying Online
Why do I need cover for existing medical condition(s)?

Medical costs abroad can be very expensive especially if you have to be repatriated home. Without appropriate insurance cover you could be left severely out of pocket. You must therefore read the ‘Medical Warranty’ that is shown as you progress through this website in getting a quote and to accurately declare all medical conditions. If you give incorrect answers or forget to tell us about a medical condition, this could lead to a claim not being paid.

I already have a policy but have recently been diagnosed with a new medical condition, what should I do?

If there is a change in health of anyone insured under an existing policy you must contact our Medical Screening Service on 02392 419 080 as soon as possible. We will tell you if your change in health will affect your insurance and if cover can continue.

If your health changes after you purchased your policy but before you commence your trip (or in the case of Annual Multi-trip cover before booking your next trip) or pay the balance or any further instalments for your trip, you must tell us about these changes, if:

• new medication or a change in regular medication has been prescribed;

• there has been a deterioration of a previously stable condition;

• you have been referred to a specialist;

• A medical symptom/condition is being investigated; or

• you are awaiting treatment/consultation

We will then tell you if we can cover your medical condition(s) free of charge or for an additional premium.

If we cannot cover your medical condition(s), or you do not want to pay any additional premium quoted, we will give you the choice of either:

• making a cancellation claim for any pre-booked trips; or

• cancelling your policy and receiving a proportionate/partial refund, provided that you have not made a claim or are about to.

A change in health includes any changes to your health which you are aware of and for which you may need to seek professional medical advice, any new medical conditions or symptoms which may or may not yet have been diagnosed, changes to any existing medical condition already declared or a change to your treatment or prescribed medication (which can include a change in dosage which may be an increase or decrease in the amount of medication that you take) or you are waiting for tests or test results, or have been placed on a medical waiting list.

If you are not sure whether something is relevant you must tell us anyway.

What existing medical condition(s) do I need to declare?

So that you (and anyone to be insured under Free Spirit) can be covered for existing medical condition(s), you must include all relevant medical history as shown below.

A: Any treatment in the last 5 years (including prescribed medication) for: – any respiratory condition (relating to the lungs or breathing), any heart or heart related condition, any circulatory condition (relating to the blood or circulation), any kidney or renal condition, any liver condition, any condition relating to the pancreas e.g. diabetes, any cerebral or neurological condition (relating to the brain), any type of cancer, any type of stroke, any central nervous system disorder, irritable bowel disease, any psychiatric or psychological conditions.)

B: Any surgery, inpatient or outpatient treatment, any tests or investigations in a hospital or clinic or any specialist consultation within the last 2 years.

C: Any prescribed medication for any medical condition in the last 2 years.

Can I buy a policy if I have a terminal condition?

We cannot cover terminal conditions on this website as we need to provide you with an individual assessment. Please contact us on 02392 419 080 and we will discuss your requirements to see if cover can be provided.

I am on a waiting list for treatment/investigation, can I apply for cover?

Yes, if you are waiting for medical tests or treatment of any description you can generate a quote.

I’m taking medication to control my medical condition; do I still need to declare it?

Yes, the Underwriters need to be aware of all medical conditions including those that are under control by medication. This is important as otherwise a claim may be invalidated if medical conditions are not disclosed.

Are you able to quote and provide cover for a condition that has not yet been diagnosed?

We can only medically screen a condition that has been diagnosed by the medical profession and therefore, we cannot provide a quote or offer cover until such time as your medical condition has been diagnosed.

In 2 week’s time I will have finished my treatment, can I say ‘no’ to the question concerning ongoing treatment?

No, you must declare the position as of today.

How do I work out my travel dates?

The start date of your policy should be the day that you leave home. Your end date should be the date you return home. Note that this could be a different day to the day you leave your holiday destination.

Cancellation cover and End Supplier Failure Insurance (Super Duper only) 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.

Is there an age limit on Single Trip policies?

There is no upper age limit.

What is the maximum duration of a Single Trip policy?

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.

Can I take out a Single Trip policy in the UK?

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.

What are the Geographical Areas on a Single Trip policy?

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 and Isle of Man.

Europe 1 – including: United Kingdom and Austria, Azores, Belgium, Bulgaria, Channel Islands, Corsica, Croatia, Czech Republic, Denmark (and the Faroe Islands), Finland, France, Germany, Gibraltar, Hungary, Iceland, Italy, Liechtenstein, Luxembourg, Madeira, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Russia (west of the Ural mountains), San Marino, Sicily, Slovak Republic, Slovenia and Sweden.

Europe 2 – including Europe 1 shown above and the remaining countries west of the Ural mountains and Andorra, Balearics, Canary Islands, Cyprus, Greece, Morocco, Spain, Switzerland, Tunisia and Turkey.

Australia & New Zealand – including: Europe 2 shown above and 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.

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

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

Do you cover one-way trips?

No, Free Spirit only covers round trips that start in and return to the United Kingdom or the Isle of Man. However, please contact us on 02392 419 050 as we may be able to offer an alternative policy.

Can I extend my policy if I decide to stay longer?

Extension requests will be considered but cannot be guaranteed:

Trip extensions:
– if you decide you wish to extend your trip whilst overseas
– if you are unable to return home from your trip as planned
– travel disruption caused by an infectious and contagious diseases

Full details of the terms and conditions which apply are shown in the Insurance Policy.

Subject to Underwriters agreement, we can extend a Single Trip policy at your request. This is providing you let us know BEFORE your policy expires and that at the time of requesting the extension you are not intending to make a claim.

Please note – this is subject to the total trip duration including the extended period not exceeding 94 days (45 days if aged 76 years or over), which is the maximum trip duration of the Single Trip policy. You will be advised of the additional premium at the time of the request.

Please contact us on 02392 419 080 to discuss your requirements.

What start date should I choose?

Cancellation cover and End Supplier Failure Insurance begins on the date you choose to start your policy. If you already have a trip booked and you want to be covered immediately, you should select today’s date. You can choose to start your policy later (up to 31 days from today’s date) but there would not be any cancellation cover between now and the start date you choose.

Is there an age limit on Annual Multi-trip policies?

There is no upper age limit.

How many times can I travel and how long can each trip be?

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

Does an Annual Multi-trip policy cover me for travel in the UK?

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.

What are the Geographical Areas on an Annual Multi-trip policy?

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

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

Worldwide – excluding Canada, Caribbean, China, Hong Kong, USA, Afghanistan, Liberia and Sudan but including Australia, New Zealand, Egypt & Israel.

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

Can I extend my policy if I am abroad and want to stay over the maximum trip limit?

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

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

Will I receive a renewal?

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.

Under an Annual Multi-trip policy, can children travel independently of an insured adult?

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

Do you have a 24 hour medical emergency service?

Yes, the Free Spirit policy has a 24-hour medical emergency and repatriation service provided by:

Free Spirit – 24 hour Medical Emergency Assistance
+44 (0) 343 227 0843.

Further details of this service are shown in your Insurance Policy.

Staff are on call 24 hours a day throughout the year. They will, when necessary, guarantee medical bills, arrange repatriation and, if required, provide a medical escort.

In the event of a medical emergency whilst abroad, do I have to pay my medical bills myself?

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.

I’m on holiday and my camera has been stolen, what do I do?

If an item you took on holiday, personal money or your travel documents get lost or stolen you must notify the police as soon as possible and obtain a written report and reference number from them. You also need to report the loss/theft to your tour operator’s representative or hotel/accommodation manager and (if possible) get a written report.

You should wait until you return home to make a claim. Full details on how to make a claim and what supporting documentation you need are also shown in your Insurance Policy.

How do I make a claim?
Please refer to your Insurance Policy for full details of how to make a claim.
How quickly will you settle my claim?

We aim to provide a first-class claims service and undertake to respond within 5 working days of receipt of correspondence.

Is your website secure?

Yes. The security of your personal information and payment details is of utmost importance to us. We use 128-bit encrypted SSL to help keep all of your data safe.

How can I pay for my policy?

You can pay by debit or credit card. We accept Mastercard and Visa.

How will I receive my travel insurance policy documents?

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.

How can I access my policy documents?

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.

Do I need to take my policy documents with me on holiday?
Yes, you should print a copy of your Schedule of Insurance and Insurance Policy and carry them with you during your trip. The Insurance Policy includes important telephone numbers including the 24-hour medical emergency service that is available for assistance, making arrangements for hospital admission, repatriation and authorisation of medical expenses as well as full details of the cover provided and what to do in the event of a claim.
Can I get my money back if I want to cancel?

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.

Important Information

Please note that the information below applies to policies purchased from the 3rd  May 2024. For any policies purchased prior to this, you can find all of the relevant information and documents on the Free Spirit archive page.

Emergency Assistance

Healix Medical Assistance Services are available on 0208 608 4216. Their email is internationalhealthcare@healix.com. When contacting them, please quote 'Free Spirit Travel Insurance'.

The service is open 24 hours a day, 365 days a year. The call operators are highly trained and can advise on all aspects of assistance, making arrangements for hospital admission, repatriation and medical expenses.

Each operator is a medical specialist who can liaise with doctors and arrange repatriation if medically necessary.

Please have the following information available when you (or someone on your behalf) contact the Medical Emergency Assistance Company so that your case can be dealt with swiftly and efficiently:

• Your name and address;
• Your contact phone number abroad including the hospital and treating doctor's details;
• Your policy number shown on your Policy Schedule; and
• The name, address and contact phone number of your GP.

Claims Notification

Cover Sections A-M and Cover Section O:

Please contact the claims handler within 31 days of returning home:

Travel Claims,
Roger Rich & Company - Part of the Claims Consortium Group,
2a Marston House,
Cromwell Park,
Chipping Norton,
Oxfordshire OX7 5SR

Telephone: +44 (0)343 227 0842
Email: fsclaims@claimsconsortiumgroup.co.uk

Gadget Cover (Section O):

Please notify the claims handler as soon as possible but ideally within 48 hours of your return to the UK:

Telephone: 0330 102 8698

Email: gadgetclaims@davies-group.com

You may also use the online claims portal: https://bastion.davies-group.com.

Documents

Please note that the documents below are valid to policies purchased from the 3rd May 2024. For any policies purchased prior to this, you can find all of the relevant information and documents on the Free Spirit archive page.