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Freedom Travel Insurance


COVID-19 Cover: All Freedom policies cover emergency medical expenses relating to COVID-19 whilst abroad and cancellation if you test positive within 14 days of your trip. For more information: FAQs, Latest News or Contact Us

If you purchased a policy before 1st October 2020, visit Freedom Policy Archive to find your cover details.

*Due to current lockdown restrictions we have suspended new single trip quotes for overseas travel prior to 18th May 2021. This will be reviewed subject to government guidance. For more information visit Latest News or gov.uk/coronavirus. If you require insurance for a UK trip prior to 18th May please contact our call centre.

All travellers should check the latest FCDO travel advice for their destination at gov.uk prior to purchasing insurance or travelling. There will be no cover under this policy if you travel to a country or area where the Foreign, Commonwealth & Development Office (FCDO) or government are advising against all or all but essential travel. There is no cancellation cover if you are unable to travel due to the FCDO or government advising against all or all but essential travel.

Travel and Holiday Insurance for Pre-Existing Medical Conditions

Providing cover to people with medical conditions since 2002

Get an Online Quote Now

Trusted by thousands of travellers

trusted by thousands of travellers

Freedom is one of the very first travel and holiday insurance providers to cover pre-existing conditions, and we're proud to have helped over 300,000 people to secure the cover they need when traveling to Europe or Worldwide. Our policies are underwritten by Union Reiseversicherung AG (URV) and are designed to respond to medical emergencies abroad.

Freedom Insurance has three levels of cover which can provide up to*:

*Cover limits are per person, per trip.

View full range of benefits >

Medical Cover



Medical Cover



Medical Cover



Medical Cover

From £50


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

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Single Trip Travel Insurance

for pre-existing medical conditions

From the day you depart the UK to the day you arrive back
Cover for one-off trips up to 365 days

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Annual Travel Insurance

for pre-existing medical conditions

Cover for multiple trips during a 365 day period
Travel up to 31 or 45 days per trip
Annual policies available up to 80 years of age

Get An Online Quote
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Worldwide Travel Insurance

Travelling outside of Europe? Read our guide to covering medical conditions for long haul destinations such as the USA, Canada, the Caribbean and Australia

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Europe Travel Insurance

Where you travel in Europe can impact on the cost of travel insurance when covering medical conditions. Our helpful guide explains which destinations to look out for

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UK Travel Insurance

Make sure you're covered for UK breaks too! Insure staycations of two or more days in case your existing medical conditions force you to cancel

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.

Award winning online customer service


"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."

Trusted Customer

"Value for money . This is the third time we have chosen Freedom. Travelling with medical conditions can be very expensive but Freedom offer very good value for money making going abroad a possibility. Thank you Freedom."

Trusted Customer

"Simple, online system with a trusted insurer! Does it get any better? Have used Freedom 4 times and have found them really friendly and make life easy for someone with a pre-existing condition (I had testicular cancer just over 3 years ago)."

Trusted Customer

Freedom Travel Insurance

The Money Advice Service provides a directory of firms, including Freedom Insurance, specialising in travel insurance for customers with serious medical conditions. You can contact MAS, Monday to Friday, 8am to 6pm on 0800 138 7777 or access the directory at moneyadviceservice.org.uk. Visit The Money Advice Service for more information.

Our team of friendly, medically aware travel insurance agents are here to help

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 charity partners

Freedom supports a number of medical charities throughout the UK and welcomes new partnerships.