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Cruise Travel Insurance

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

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. Cruises are covered as standard on our policies however you can add the cruise extension to gain additional cover benefits if your trip is under 60 days in duration or if you’re purchasing annual cover.

Our single trip cruise extension will cover trips of any duration, to both European and Worldwide destinations. The available single trip duration will vary depending on age, full details of which can be found in our policy wording.

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.

If your trip is eligible, cruise cover will be presented and should be added during the quote journey once you reach the options page. This will then be displayed on your policy schedule. 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.

Cruise travel insurance benefits

What does the cruise extension cover?

If you miss your port we will cover up to £1,500

  • We will pay up to the amount shown in the summary of cover for each missed port in the event of cancellation of a scheduled port visit due to adverse weather or timetable restrictions. 

If you are unable to participate in your planned excursions we will cover up to £1,500

  • We will pay up to the amount shown in the summary of cover for the cost of pre-booked excursions, which you were unable to use as a direct result of being confined to your cabin by the ship’s medical officer for medical reasons.

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

  • We will pay up to the amount shown in the summary of cover for each 24-hour period that you are confined to your cabin for medical reasons on the advice of the ship’s medical officer.

If you miss your departure we will cover up to £1,500

  • We will pay up to the amount shown in the summary of cover for necessary additional travel and accommodation (room only) expenses required to reach your booked cruise at the next embarkation point, if you are late arriving for your scheduled departure time at the first international departure point as a result of any scenario outlined in the policy wording.

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

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Call our UK team on 01223 446 914, we’re here to help.

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.

Medical Travel Insurance

What’s covered with Freedom Travel Insurance?

Freedom has three levels of cover, the cover limit depends on the cover level selected. Benefits are per person, per trip.

Scroll to compare cover

Silver

Getting you covered.

Gold

Our most popular cover.

Platinum

Top level cover.

Cancellation & Curtailment £1,500 £5,000 £10,000
Emergency Medical & Repatriation £5,000,000 £10,000,000 £10,000,000
Missed Departure £750 £1,000 £1,250
Baggage and Personal Belongings £750 £1,000 £1,250
Excess £150 £75 £50

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FAQs

Some of our most frequently asked questions.

Who is eligible to purchase cover with Freedom insurance?

Freedom travel insurance policies are only available to permanent UK residents who are registered with a GP in the UK. Cover is not available to residents of the Channel Islands or IOM. You must be fit to travel at the time of purchasing 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 whole 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 except 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 the cost of chemotherapy treatment itself. When getting a quote answer the medical screening questions as of today.

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