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Medical Travel and Holiday Insurance

Travel insurance designed for people with medical 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

Medical travel and holiday insurance for people living with pre-existing medical conditions

Freedom Insurance specialise in providing medical travel insurance to people with pre-existing conditions including cancer, diabetes, epilepsy, heart conditions and many more. We aim to provide cover to protect you should an emergency arise on holiday. We offer award-winning online customer service, rated by real customers, using a customer review platform called Feefo. 

We base our quotes on your current medical status at the time of taking out your policy. It's important you answers all medical questions correctly and let us know of any health changes between the quotation and travel dates, to make sure you are fully covered in the event of a claim.

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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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Why cover your pre-existing medical conditions

It is especially important if you live with pre-existing medical conditions to make sure you are covered. Travel insurance is all about protecting you before and during your holiday. It can be easy to forget medical conditions that are well managed or have little impact on your daily living. Even if this is the case don’t forget to fully declare all of your pre-existing medical conditions and medication, we need to know your complete medical situation.

Freedom Travel Insurance

Why choose Freedom?

Experienced, knowledgeable and medically aware

We are specialists and have been covering pre-existing medical conditions for over 17 years! Our Travel Insurance Agents are experienced and knowledgeable about a range of medical conditions.

Applying for pre-existing medical travel and holiday insurance

Applying online for medical travel and holiday insurance is simple and confidential. If you feel that you need assistance with getting a quote, we offer online chat where you can talk to one of our travel insurance agents who will help guide you through the process.

To make sure that we provide you with comprehensive cover for your medical conditions, you will be asked a number of questions about your medical status. We use a medical risk assessment tool to enable us to provide you with a quote in minutes. From the information provided we will base our quotes on your current health status.

We cannot offer cover for:

  • Anyone who is awaiting in-patient treatment, surgery, tests or investigations
  • Those who intend to travel against the advice of a medical practitioner or would be if they sought his/her advice
  • Those travelling with the intention of obtaining medical treatment abroad
  • Those travelling to a country against the advice of the FCDO visit the Foreign, Commonwealth & Development Office website for additional information
  • Any trip that has already begun - See Already Travelled Travel Insurance
  • Anyone that is not a permanent resident of the UK and registered with a medical practitioner in the UK
  • Anyone who is currently refusing any prescribed medication
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Who is eligible to buy Freedom travel and holiday insurance?

Our policies are available to you if you are permanently resident in the United Kingdom (UK) and registered with a general practitioner (GP) in the UK

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Purchase your travel insurance when you book your holiday

When you purchase your travel insurance you are then covered for cancellation

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Cannot find your medical condition?

If you are doing a screening online and cannot find your medical condition, please contact us on 01223 446914 or 01223 454290, we are here to help

"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

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.

Single Trip:

We don't impose an upper age limit on single trip policies however the duration we can cover may vary depending on age.

Annual Multi-trip:

For annual multi-trip policies we will cover up to and including the age of 80, for up to 31 days travel per trip. If you are under the age of 75, the trip duration can be increased to 45 days for an additional premium. 

Medical questions vary from insurer to insurer, but Freedom operate on the following basis:

If you or anyone named on the policy have ever been diagnosed with any of the following conditions:

- cancerous, respiratory, heart or circulatory conditions (including problems with blood flow, strokes, high blood pressure and cholesterol)

- psychological conditions such as stress, anxiety or depression

- psychiatric conditions such as eating disorders, drug or alcohol abuse or mental instability 

Within the last 2 years:

- conditions for which you've received prescribed medication, treatment or that you have attended a medical practitioner's surgery for

- any condition that you have attended a hospital or clinic for as an out-patient or in-patient 

Have you or anyone named on the policy:

- been put on a waiting list for treatment or investigation

- been given a terminal prognosis? 

Please note: If you are currently on a waiting list or aware of the need for surgery, tests, treatment or investigations we may be not be able to offer an insurance quote. Please call us on 01223 446 914 so we can explore cover options with you.

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