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Freedom Travel Insurance

LATEST NEWS

COVID-19: All Freedom policies cover emergency medical expenses whilst abroad and cancellation if you test positive within 14 days of your trip

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 our policies 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.

Cruise Travel Insurance

Cruise insurance designed for people with pre-existing conditions by medical travel insurance experts

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Medical Cover

£10,000,000
Medical Cover

Medical Cover

£7,000
Cancellation Cover

Medical Cover

£1,500
Baggage Cover

Medical Cover

from £50
Policy Excess

View our policy benefits and cover limits

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

 

Cruise travel insurance covering pre-existing medical conditions

If you're planning a cruise holiday, we have a specialist policy extension to ensure you are fully covered which includes a range of cruise specific benefits. The cruise extension must be added to your policy if you're planning a cruise* on both single and annual multi-trip policies.

Our single trip cruise policies will cover trips up to 365 days in duration, to both European and Worldwide destinations. The available trip duration may vary depending on age.

If you have multiple trips planned, including a cruise, our annual multi-trip policies might be the best option for you. They will cover you for unlimited travel up to 31 days per trip, or 45 days if the Trip Extension is also selected from our policy options.

Adding the cruise extension

The cruise extension must be added to any travel insurance policy intended to cover a cruise. The extension can be selected on the options page during the quotation process or if you already have a Freedom policy and wish to add the cruise extension, you can do so by phoning us on 01223 446 914.

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Freedom's been providing travel and holiday insurance to people with pre-existing medical conditions for over 17 years!

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Cruise travel insurance benefits

What does the cruise extension cover?

- If you miss your sailing we will cover up to £1,000

    • towards the cost of additional travel and accommodation so you can travel to your cruise ship's next port of call and board the vessel.

- If your cruise itinerary changes we will cover up to £1,500

    • applicable if a port of call was cancelled due to adverse weather conditions or time table restrictions.

- If you are confined to your cabin we will cover up to £1,000

    • we will pay you up to £25 for each 24 hour period you are confined to your cabin due to injury or illness up to the maximum amount shown.

- If you cannot go on your planned shore excursions we will cover up to £1,500

    • applicable if you are unable to go on pre-paid shore excursions because you are confined to your cabin on medical advice or admitted for emergency medical treatment.

Excess amounts will vary depending on the level of cover chosen. Visit our policy wording for further details. 

Freedom Travel Insurance

Why choose Freedom?

Specialist travel insurance designed for cruises

We are specialists with over 17 years of experience and offer a tailored cruise policy with benefits such as cabin confinement, missed port departure and cruise itinerary change

Applying for cruise travel insurance with pre-existing medical conditions

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 all your pre-existing medical conditions for all travellers.

You will be guided through a medical screening questionnaire, where a series of relevant questions will be asked to assess your health and each individual condition. These questions should be answered accurately and to the best of your knowledge.

You will then be presented with available policy options at which point you will need to select the cruise extension for your Freedom policy to cover cruising.

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OR 01223 446 914

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Adding the cruise extension

If you're travelling on a cruise, it's important that you always select the cruise extension on our options page. If necessary, this can be added to your cover by contacting us on 01223 446 914 

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Cover your whole trip

You need to cover your whole trip, taking into account the day that you arrive back in the UK

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Destination

On a single trip we are able to rate on the country that you are travelling to, which enable us to offer a fairer price

"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, thanks."

Claire Davies

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

Medical travel insurance frequently asked questions

Generally, Freedom is unable to offer cover for people on a waiting list for surgery but there are exceptions to the rule. Talk to the Freedom Call Centre on 01223 446 914 where we can look if there are any options available , it may be that we can find you a policy that excludes cover for the medical condition relating to the pending surgery.

Should your pre-existing medical conditions, directly or indirectly disrupt your holiday plans, maybe causing you to cancel or possibly resulting in emergency medical treatment abroad, providing you have told us about your medical conditions and cover has been agreed, you will be able to recover your expenses (excesses may apply).

The cruise extension must be added to any travel insurance policy intended to cover a cruise. The extension can be selected on the options page during the quotation process. If you already have a Freedom policy and wish to add the cruise extension, you can do so by phoning us on 01223 446 914

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