Free Spirit


Specialist travel insurance for people with medical conditions & no age limits


  • Coronavirus cover included for Cancellation and Emergency Expenses
  • No upper age limit on Single Trip and Annual Multi-trip
  • Cover for most existing medical conditions
  • Terminal cases considered – call us on 02392 419 865
  • Cancellation or Curtailment/Loss of holiday cover up to £5,000 (Super Duper cover) and £2,500 (Super cover)
  • Over 100 activities included free & additional activity packs available
  • Travelling companions also covered
  • Extended Journey Disruption*
  • End Supplier Failure Insurance*
  • Gadget Cover
  • Cover for medical aids & medications
  • Excess Waiver (option to remove the standard policy excess)
  • 24 hours a day, 7 days a week Emergency Helpline
  • Dedicated customer services team

Note – There is no cover if the insured travels against government or other regulatory authority (i.e. The Foreign, Commonwealth & Development Office (FCDO) advice).


COVID-19 cover
Provides cover if an insured person has to cancel their trip due to testing positive for Coronavirus. Also, if this occurs abroad, cover is included for necessary emergency medical and repatriation expenses. Note – There is no cover if the insured travels against government or other regulatory authority (i.e. The Foreign, Commonwealth & Development Office (FCDO) advice).

Extended Journey Disruption*
Provides cover if you have to cancel (up to £3,000) or incur additional expenses (up to £1,000) as a result of disruption caused by a natural disaster, landslide or an outbreak of food poisoning. Cover applies if you book individual elements of your trip separately.

End Supplier Failure Insurance*
Cover up to £2,500 for irrecoverable costs if an independent travel or accommodation provider becomes insolvent.

* included with Super Duper cover only

Gadget Cover

Cover is provided for theft; accidental damage; loss; breakdown and unauthorised call/data use for your gadgets including: handheld consumer electronic devices such as mobile phones, tablets, iPads, kindles, satnavs, cameras, lenses, camcorders, smart watches, smart glasses, head mounted displays, hand held games consoles, portable DVD players, headphones, wireless speakers, MP3 players iPods and laptop computer (laptops are not covered for accidental loss), and there is no cover provided under this section for drones, purchased as new in the UK or, in the case of refurbished items, not purchased directly from the manufacturer or network provider in the UK. Any device that was purchased as second hand or used, that is not a refurbished device that was sold with a minimum 12 month warranty; (which you will be required to provide evidence of) that is no more than 48 months old at the start date of your trip.

After care cover at home following hospitalisation abroad
Includes costs for home help, physiotherapy, cosmetic surgery and dental costs after you have returned home.

Convalescence benefit
Provides up to £750 towards the cost of a convalescence trip in the United Kingdom to help you recuperate if you have been hospitalised abroad for more than 5 days.


Over 100 activities are included as standard; additional activity packs are also available for an additional premium. Please note that selecting each additional activity pack will have an impact on the excess, and on other areas of cover. For full details, see the Free Spirit website.


Travellers of any age with an existing medical condition or disability.


Free Spirit is available to 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 only, who are registered with a medical practitioner in their home country.

You must not have started your trip prior to commencement of your policy and the trip must start and end in the UK, Channel Islands, or BFPO.

You must have been in the United Kingdom for a minimum of 6 months in the year before buying this policy.


Free Spirit is arranged by P J Hayman & Company Limited and insured by:

Cover Sections A-M and Cover Section O: Lloyd’s Syndicate 4444 which is managed by Canopius Managing Agents Limited who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference: 204847.

Cover Section NGadget Cover: administered by Bastion Insurance Services Ltd and underwritten by Collinson Insurance. Collinson Insurance (a trading name of Astrenska Insurance Limited) is authorised by the Prudential Regulation Authority and regulated by the Financial. Conduct Authority and the Prudential Regulation Authority in the United Kingdom, under Firm Reference Number 202846.

Cover Section P End Supplier Failure Insurance: provided by International Passenger Protection Limited, and underwritten Liberty Mutual Insurance Europe SE (the Insurer). The Insurer is authorised and regulated by the Luxembourg Minister of Finance and the Commissariat aux Assurances. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority (registered number 829959).

P J Hayman & Company Limited is authorised and regulated by the Financial Conduct Authority. This can be checked by visiting or by calling 0800 111 6768 or 0300 500 8082.


Many Insurers will not provide cover for existing medical conditions. Wherever possible Free Spirit will provide cover.


Brokers and Agents:

Or call 02392 419 050 Mon to Fri 9am – 5pm.

Direct Customers:

Or call 02392 419 080 Mon to Fri 9am – 5pm.

Last updated: 8th March 2023.


With over 25 years experience in travel insurance, we have created specific products to cater for specific needs. Whether you require cover for a medical condition, hazardous activities, round the world trip, Gap year, etc., we have a policy for you.


As schemes specialists, we are able to provide some unique products; these currently include: ‘Top-up’ Cancellation cover; Euro Plus (breakdown cover for people travelling to Europe); and PJH Worldwide for those who have already travelled and expats.


We have a range of facilities to cover companies; ranging from Group Personal Accident and Travel to Liability cover for Tour Operators. Specific products include: Business; Coach Plus Breakdown; Coach Plus Driver; and SAFI.

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Specialist travel insurance for people with medical conditions & no age limits