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Freedom Travel Insurance


Travel Insurance for UK Trips

COVID-19 Cover: All Freedom policies cover cancellation if you test positive for COVID-19 within 14 days of your trip starting. For more information: FAQs, Latest News or Contact Us

If you purchased a policy before 1st October 2020, visit Freedom Policy Archive to find your cover details.

*Due to current lockdown restrictions we have suspended new single trip quotes for travel prior to 18th May 2021. This will be reviewed subject to government guidance. For more information visit Latest News or gov.uk/coronavirus. If you require insurance for a UK trip prior to 18th May please contact our call centre.

All travellers should check the latest FCDO travel advice for their destination at gov.uk prior to purchasing insurance or travelling. There will be no cover under this policy if you travel to a country or area where the Foreign, Commonwealth & Development Office (FCDO) or government are advising against all or all but essential travel. There is no cancellation cover if you are unable to travel due to the FCDO or government advising against all or all but essential travel.

UK Travel Insurance

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

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Medical Cover

Medical Cover

Medical Cover

Cancellation Cover

Medical Cover

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


Why cover trips within the UK

Whilst it's easy to overlook travel insurance if you aren't leaving your home country, the biggest reason to take out insurance cover for UK trips is cancellation. If you have pre-existing medical conditions and a change to your health causes you to cancel your trip, the Freedom policy will cover you to make a claim.

We offer both single and annual multi-trip cover for UK trips. Our European annual multi-trip policy will also cover any trips within the UK or Channel Islands, providing you have at least 2 nights planned.

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Freedom's been providing travel insurance to people with pre-existing medical conditions for over 17 years!

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OR 01223 446 914

Medical travel insurance for people travelling within the United Kingdom and Channel Islands

Your policy is valid for UK travel where you have at least two nights planned with either:

  • Pre-booked accommodation or
  • Pre-booked transport

Freedom offer cancellation cover that varies from £1,500 to £7,000 - meaning that you can select a policy which is suitable for each individual trip.

Our UK travel insurance also includes travelling to the Channel Islands.

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.


Our UK travel insurance also covers the Channel Islands

Our UK bracket automatically covers trips to the Channel Islands


What does UK travel insurance cover?

The main benefits of purchasing UK travel insurance is to protect you from cancellation of your trip if you become ill beforehand and would be unable to travel. You would also be covered for loss of baggage


When to buy cover

You should purchase travel insurance when you buy the holiday, cancellation cover then applies from the date that you buy your insurance policy

"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 don't have an upper age limit on our single trip policies. However, the duration we can cover will vary depending on age

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

Our policies are underwritten by tif group on behalf of European Insurer, Union Reiseversicherung AG (URV) part of Germany’s largest banking group, URV have operated in the UK market for over 15 years and have a wealth of experience in handling worldwide emergency medical claims. Union Reiseversicherung AG are authorised and regulated by BaFin (German Federal Financial Supervisory Authority). Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.