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Travel insurance for your European holiday, with cover tailored to your circumstances, including pre-existing medical conditions.
At Freedom Insurance, we specialise in travel insurance for people with pre-existing medical conditions and older travellers.
Europe travel insurance is designed for people travelling to destinations across Europe.
Depending on the policy you choose, you can get cover for a single European trip or multiple trips throughout the year, helping to protect you if something unexpected affects your holiday.
A European holiday doesn’t always go to plan. Depending on the policy you choose, travel insurance can provide cover for a range of situations before and during your trip.
Cover can include:
Cover for eligible emergency medical treatment if you become ill or injured while you’re away and returning you to the UK if medically necessary.
Protection if you need to cancel your holiday before you travel or cut it short because of an insured event.
Cover for your personal belongings if they are lost, stolen or damaged during your holiday.
Help if an unexpected event causes you to miss your scheduled departure.
Cover for certain travel delays or disruption affecting your journey.
Protection if you become legally responsible for accidentally injuring someone or damaging their property.
The cover available depends on the policy you choose. Always check your policy documents carefully to understand what is and isn’t covered before you travel.
Travel insurance doesn’t cover every situation, exclusions and conditions can apply.
For example, cover may not be available if:
For full details of exclusions and conditions, please refer to your policy wording before travelling.
A GHIC can give eligible UK residents access to medically necessary state healthcare when visiting countries where the card is accepted.
However, a GHIC isn’t a replacement for travel insurance. It doesn’t cover things such as repatriation to the UK, cancellation or lost baggage.
If you’re planning a cruise or winter sports holiday, you may need additional cover.
Having a pre-existing medical condition doesn’t necessarily mean you can’t get travel insurance for a European holiday.
At Freedom Insurance, we specialise in cover for people with pre-existing medical conditions, with medical screening to help assess the cover available for your circumstances.
Freedom has more than 20 years’ experience specialising in travel insurance for people with pre-existing medical conditions.
We’re an FCA-authorised insurance intermediary and work with a range of A-rated insurers to provide specialist travel insurance options.
20+ years
500,000+ customers
UK-based support
Single trip and annual multi-trip insurance are designed for different travel plans. Whether you’re planning one holiday or several trips throughout the year, choose the option that suits how you travel.
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, which include cover for declared medical conditions as well as cover for cancellation, baggage, personal accident and lots more.
We’ve been helping people with pre-existing medical conditions arrange travel insurance for more than 20 years.
We’re an FCA-authorised insurance intermediary and work with a range of A-rated insurers to offer specialist travel insurance options.
Specialist travel insurance experience
Trusting Freedom with their travel insurance
Dedicated UK contact centre
A choice of insurance options
Getting you covered.
Cancellation & Curtailment
Emergency Medical & Repatriation
Missed Departure
Baggage and Personal Belongings
Excess
Getting you covered.
Up to £15,000
Up to £10m
Up to £2,500
Up to £3,000
From as little as £0
Cover is per person, per trip.
No jargon, just straightforward cover. 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.
Read the policy wording for full details.
Rated Exceptional by genuine customers
3,000+ reviews on Feefo, rated 4.8 out of 5
“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.
Yes. Cruise cover can be added to your travel insurance for an additional premium. It provides extra benefits for cruise holidays, including cover for missed departure, cabin confinement and missed ports.
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