European Travel Insurance designed for people with pre-existing medical conditions.
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European Travel Insurance designed for people with pre-existing medical conditions.
At Freedom we offer European single trip cover with no upper age limit, and European annual multi-trip policies up to the age of 79 years. As standard, European annual multi-trip policies will cover you to travel up to 31 days per trip. If you are aged 75 or under, this can be extended to 45 days for an additional premium. European annual cover also includes trips within the UK subject to our policy terms and conditions.
The cost of travel insurance can vary significantly depending where you are travelling to in Europe, as insurers take into the account the medical/repatriation costs for each country. Our trained insurance agents can help you look into quotes to different countries and help you build a better picture of how much each part of Europe costs for you!
It is always worth applying for or taking your UK Global Health Insurance Card (GHIC) as in the event of a medical claim, if you make use of a reciprocal health agreement you will not have to pay the excess.
If you have a UK EHIC card, it will remain valid until the expiry date. Once it expires, you’ll need to apply for a GHIC to replace it.
Apply for a UK Global Health Insurance Card.
It’s important to note that the GHIC does not work in the same way as travel insurance and will not cover you for all the things that insurance does. In order to ensure you are fully covered you should use the GHIC along with your travel insurance as numerous items may not be covered.
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.
Freedom has three levels of cover, the cover limit depends on the cover level selected. Benefits are per person, per trip.
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 |
Their contact was excellent, kept me informed about their product and my questions were answered with no hesitation.
John
“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 “oversell or upsell”.”
Kevin
“Information was clear & setting up a quote simple. agent was very helpful & friendly’ My quote was well below what other insurer’s wanted for the same cover.”
Terry
“Simple process – call handlers very polite & helpful – excellent policy at a reasonable price too! 😊”
Julie
Some of our most frequently asked questions.
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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