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Travel insurance to help protect you against unexpected costs when you’re away, from emergency medical treatment and repatriation to cancellation, curtailment and travel disruption.
At Freedom Insurance, we specialise in travel insurance for older travellers and can consider pre-existing medical conditions as part of our medical screening. Whether you’re planning a holiday abroad, visiting family or setting off on a cruise, we can help you find cover based on your individual circumstances.
Yes, being over 80 doesn’t automatically mean you can’t get travel insurance. However, age limits vary between insurers and policies and the cost and availability of cover can depend on factors including your destination, trip length and medical history.
At Freedom, we assess your circumstances as part of the quote process. We offer a range of travel insurance options, including some specialist schemes with no upper age limit, subject to the relevant policy terms and medical screening.
Whether you’re planning a European break, visiting family abroad or taking a cruise, our travel insurance can provide cover for a range of situations, including emergency medical expenses, cancellation and curtailment, baggage and travel disruption, subject to the terms, conditions and exclusions of your policy.
Travel insurance can help protect you against a range of unexpected events before and during your trip.
Your available cover and policy limits depend on the policy you choose, so always check your policy wording for the full terms, conditions and exclusions.
Emergency medical expenses and repatriation
If you become ill or are injured while travelling, your travel insurance can help cover eligible emergency medical expenses and medically necessary repatriation.
Freedom offers 24/7 emergency assistance should you need it while away and up to £10 million of emergency medical and repatriation cover.*
Cancellation and curtailment
If you need to cancel your holiday before you travel or return home early because of an insured event, your policy may provide cancellation or curtailment cover.
Freedom offers up to £15,000 cancellation and curtailment cover per person, per trip.*
Cancellation cover starts when you buy your policy, so arranging your insurance soon after booking your holiday can help protect you against certain unexpected events that happen before you travel.
Missed departure
If an insured event means you miss your scheduled departure, you may be able to claim for eligible additional travel or accommodation costs.
Freedom offers up to £2,500 of missed departure cover.*
Baggage and personal belongings
Travel insurance can also provide cover for your baggage and personal belongings if they’re lost, stolen or damaged as a result of an insured event.
Freedom offers up to £3,000 cover for baggage and personal belongings.*
Other benefits
Depending on the policy and cover options selected, other benefits may be available, including travel delay, personal liability and personal accident.
For a full breakdown of what’s included and the applicable limits, read your policy wording before you travel.
*subject to the terms and conditions of your policy.
Having a pre-existing medical condition doesn’t necessarily mean you can’t get travel insurance when you’re over 80.
Freedom specialises in travel insurance for people with pre-existing medical conditions. When you apply, we’ll ask questions about your medical history as part of our medical screening process. The information you provide helps us assess the cover available for your trip.
It’s important to answer the medical screening questions fully and accurately. If you don’t declare a relevant condition, you may not have cover for claims relating to it and this could affect your policy.
We consider a wide range of pre-existing medical conditions, depending on your circumstances and the outcome of your medical assessment.
This can include conditions such as diabetes, high blood pressure, heart conditions, asthma and cancer, as well as many other medical conditions.
If you’re receiving medical treatment, you can still apply for a quote. We can consider cover for people receiving treatment, including chemotherapy. However, travel insurance does not cover the cost of ongoing medical treatment that you already know you will need during your trip, such as planned dialysis or cancer treatment.
If your health, medication or treatment changes after you’ve bought your policy but before you travel, you need to tell us.
Freedom operates an ongoing medical warranty, so we may need to ask additional questions about the change and reassess your cover.
Have a pre-existing medical condition? Get a quote based on your circumstances.
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.
Absolutely. The risk of unexpected costs abroad is far greater without cover – especially if you need medical treatment overseas, where bills can reach thousands of pounds per day. Travel insurance protects you from:
Without a policy, even a simple fall or hospital visit could turn a dream trip into a financial nightmare.
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.
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