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Annual travel and holiday insurance for pre-existing medical conditions by medical travel insurance experts.
If you’re planning multiple holidays or want the freedom to travel throughout the year without the hassle of arranging cover each time, our annual travel insurance for pre-existing medical conditions is the ideal solution. It offers flexibility, convenience, and year-round peace of mind, especially for travellers managing long-term health conditions. Our annual multi-trip policies are tailored to suit a range of needs and include cover for medical emergencies, trip cancellation, and loss of personal belongings. Most importantly, we provide specialist cover for pre-existing medical conditions, so you can travel with confidence knowing you’re fully protected.
Select the travel insurance region that best matches your plans, whether you’re taking multiple trips across Europe or travelling further afield to long-haul destinations. Our annual multi-trip travel insurance for pre-existing medical conditions is available with flexible regional options, ensuring you’re properly covered wherever your journey takes you.
Not sure whether single trip or annual travel insurance is the best fit for your plans? Our experienced travel insurance advisers are here to help. Call us on 01223 446 914, and we’ll walk you through your options – comparing cover levels, destinations, and premiums to ensure the right policy for your individual needs. With Freedom Insurance, you can enjoy the reassurance of a comprehensive annual travel policy that includes cover for pre-existing conditions, emergency medical expenses, trip cancellation, and a wide range of travel activities, all designed to give you peace of mind for every trip, all year round.
If you’re travelling with your partner or family, our annual travel insurance for families can be tailored to cover everyone under one policy, saving you both time and money. With joint or family travel insurance, all members receive the same level of cover and enjoy the added benefit of being protected even when travelling separately. Insuring your family under a single policy ensures that if one person is unable to travel due to a change in medical circumstances, all travellers can make a joint cancellation claim, subject to policy terms and conditions. This can provide significant peace of mind when unexpected situations arise.
With our annual multi-trip policies, you can choose to extend the standard maximum trip length from 31 days up to 62 days!
We include a wide range of standard travel activities as part of every policy. If you’re planning a cruise or winter sports holiday, simply add the relevant cover options during the quote process to ensure you’re fully protected. Our policies also include cancellation cover up to £10,000 per trip, allowing you to select a level of protection that matches the value of your holiday – so you only pay for the cover you actually need.
You can apply here online or over the telephone; it’s quick, simple and totally confidential. To provide you with a quote, you’ll need to let us know where you are travelling to and for how long. Make sure to declare any pre-existing medical conditions that apply to you and anyone else on the policy.
You will be guided through a medical screening questionnaire, where a series of relevant questions will be asked to assess your health. These questions should be answered accurately and to the best of your knowledge.
You will then be presented with the available policy options, which include cover for declared medical conditions as well as cover for cancellation, baggage, personal accident and lots more.
Getting you covered.
Cancellation & Curtailment
Emergency Medical & Repatriation
Missed Departure
Baggage and Personal Belongings
Excess
Getting you covered.
Up to £10,000
Up to £10m
Up to £2,000
Up to £2,500
From as little as £50
Cover is per person, per trip.
No jargon, just simple cover you can trust. We believe travel insurance should be easy to understand, that’s why we’ve made our policies straightforward with flexible options. You choose what’s right for your trip, and we’ll take care of the rest.
“Best ever for those with medical issues. I could not believe the price I paid for our travel insurance. This is now my go-to company for travel insurance and I would not hesitate to recommend them. Don’t waste time looking elsewhere.”
Margaret
“Every time I need to re-do my insurance its no problem to them. They make it a pleasure. Just lovely friendly people.”
Leah
“The telephone manner of the young man who assisted me was exceptional – hence this review. Polite, clear in what he was offering, took time to listen to what I believed I needed and did not try to upsell.”
Kevin
“I was struggling to afford travel insurance until I came across Freedom Insurance. So happy that I’m covered for my upcoming holiday.”
Graham
“I found your agent so extremely helpful and patient. He took time to explain the different policies in a clear and easy manner, and answered all my questions with kindness and patience.”
Anne
Some of our most frequently asked questions.
Our travel insurance products are available to permanent UK residents who are registered with a GP in the UK. Some of our products can also cover residents of the Channel Islands or Isle of Man. You need to be fit to travel at the time of purchasing travel insurance cover.
We use a medical risk assessment tool to enable us to provide you with a quote. You will be asked a number of questions about your medical status. From the information provided we will base our quotes on your health status.
Yes. Our aim is to cover you fully, if you do not declare all of your pre-existing medical conditions then you will not be fully covered in the event of a claim and risk invalidating your insurance.
As we operate an on-going medical warranty, you will need to inform us of any health changes that occur between your quotation/purchase date and the date of travel. We may be required to ask additional questions to ensure your travel insurance is up to date and fully covering you for the trip.
We cover you from the time you start your trip right up until the day you return back to the UK, (except for cancellation cover which starts when you buy the policy and ends when you start your trip).
We accept all major debit and credit cards including American Express. You can make payment online during the customer quote journey, or by calling the Freedom team on 01223 454 290.
We’ll consider cover for people while they are receiving medical treatment including chemotherapy. We base all our quotes on individual circumstances. However, we cannot cover the actual cost of any on-going treatment that you know you will require during the trip, such as dialysis or cancer treatments.
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