Free Spirit

In July 2020, The Times newspaper ran a story reporting that the General Medical Council was taking TIF’s chief medical officer  to a “fitness to practice” tribunal, accusing him of "impairment by misconduct”. TIF says it takes advice from a number of doctors, and says its chief medical officer denies the allegations. Until this case is resolved, we have removed our ratings of TIF products

Free Spirit are a travel insurance provider offering cover for people with medical conditions and policies with no age limits.

Based in Hampshire, Free Spirit is owned by P J Hayman & Co., who also provide a range of different types of travel insurance.

Their headquarters are based in Hampshire, UK.

Free Spirit
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Travel insurance

Annual multi-trip insurance

Free Spirit

Super Duper

5 stars
Medical excess i £50.00
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £3,000.00
Cancelling before travel cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Lost or stolen cash i £500.00
Combined passport & travel cover limit i £400.00
Cutting trip short cover limit i £5,000.00
Abandoning your trip cover limit i £5,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 45 days

Free Spirit

Super

3 stars
Medical excess i £95.00
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,500.00
Cancelling before travel cover limit i £2,500.00
Emergency medical cover and repatriation cover limit i £5,000,000.00
Mental health cover i
Lost or stolen cash i £200.00
Combined passport & travel cover limit i £200.00
Cutting trip short cover limit i £2,500.00
Abandoning your trip cover limit i £2,500.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 32 days

Single trip insurance

Free Spirit

Super Duper

5 stars
Cancelling before travel cover limit i £5,000.00
Medical excess i £50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £3,000.00
Cutting trip short cover limit i £5,000.00
Abandoning your trip cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Lost or stolen cash i £500.00
Combined passport & travel cover limit i £400.00
Missed departure cover limit i £1,500.00

Free Spirit

Super

3 stars
Cancelling before travel cover limit i £2,500.00
Medical excess i £95.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500.00
Cutting trip short cover limit i £2,500.00
Abandoning your trip cover limit i £2,500.00
Emergency medical cover and repatriation cover limit i £5,000,000.00
Lost or stolen cash i £200.00
Combined passport & travel cover limit i £200.00
Missed departure cover limit i £1,000.00

Travel insurance add-on: winter sports

Free Spirit

Super Duper

3 stars
Ski equipment owned cover limit i £750.00
Single owned item cover limit i £500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £300.00
Avalanche closure cover limit i £500.00
Piste closure cover limit i £500.00
Ski equipment owned excess i £50.00
Ski equipment hired i £250.00
Single item limit for hired equipment i £250.00
Unused ski pass due to illness or injury i £500.00

Free Spirit

Super

1 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £300.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £200.00
Avalanche closure cover limit i £200.00
Piste closure cover limit i £300.00
Ski equipment owned excess i £95.00
Ski equipment hired i £150.00
Single item limit for hired equipment i £150.00
Unused ski pass due to illness or injury i £300.00

Travel Insurance Covid-19 Cover

Free Spirit

Super

1 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)

Free Spirit

Super Duper

1 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)