Free Spirit is a specialist travel insurance that covers travellers of any age with medical conditions and disabilities. Cover is available for the majority of medical conditions, from common illnesses such as asthma to rarer conditions like haemophilia. Cover can even be considered for some life-limiting and terminal conditions. Medical aids and prescriptions are covered as standard.Based in Hampshire, Free Spirit is owned by P J Hayman & Co., who also provide a range of different types of travel insurance. Free Spirit travel insurance is underwritten by Lloyd’s Syndicate 4444.

Our product ratings for Free Spirit

Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.

Travel insurance

17 products reviewed

Annual multi-trip insurance

5 products reviewed

Free Spirit

Super Duper

Feature Value
Medical excess
£0.00
Cancelling before travel cover limit
£6,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£3,000.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£2,000.00
Natural disaster relocation cover Yes
Free Spirit

Platinum

Feature Value
Medical excess
£0.00
Cancelling before travel cover limit
£8,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£3,000.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£2,000.00
Natural disaster relocation cover Yes
Free Spirit

Super

Feature Value
Medical excess
£95.00
Cancelling before travel cover limit
£3,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,000.00
Emergency medical cover and repatriation cover limit
£7,500,000.00
Missed departure cover limit
£1,000.00
Natural disaster relocation cover Yes
Free Spirit

Gold

Feature Value
Medical excess
£95.00
Cancelling before travel cover limit
£4,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,000.00
Emergency medical cover and repatriation cover limit
£7,500,000.00
Missed departure cover limit
£1,000.00
Natural disaster relocation cover Yes
Free Spirit

Standard

Feature Value
Medical excess
£150.00
Cancelling before travel cover limit
£1,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£1,000.00
Emergency medical cover and repatriation cover limit
£5,000,000.00
Missed departure cover limit
£0.00
Natural disaster relocation cover No
Single trip insurance

5 products reviewed

Free Spirit

Platinum

Feature Value
Cancelling before travel cover limit
£8,000.00
Medical excess
£0.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£3,000.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£2,000.00
Natural disaster relocation cover Yes
Free Spirit

Super Duper

Feature Value
Cancelling before travel cover limit
£6,000.00
Medical excess
£0.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£3,000.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£2,000.00
Natural disaster relocation cover Yes
Free Spirit

Super

Feature Value
Cancelling before travel cover limit
£3,000.00
Medical excess
£95.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,000.00
Emergency medical cover and repatriation cover limit
£7,500,000.00
Missed departure cover limit
£1,000.00
Natural disaster relocation cover Yes
Free Spirit

Gold

Feature Value
Cancelling before travel cover limit
£4,000.00
Medical excess
£95.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,000.00
Emergency medical cover and repatriation cover limit
£7,500,000.00
Missed departure cover limit
£1,000.00
Natural disaster relocation cover Yes
Free Spirit

Standard

Feature Value
Cancelling before travel cover limit
£1,000.00
Medical excess
£150.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£1,000.00
Emergency medical cover and repatriation cover limit
£5,000,000.00
Missed departure cover limit
£0.00
Natural disaster relocation cover No
Travel insurance add-on: cruise cover

2 products reviewed

Free Spirit

Platinum

Feature Value
Missed port departure cover limit
£1,500.00
Re-joining a cruise cover limit
£1,500.00
Cabin confinement cover limit
£100.00
Missed port departure excess
£0.00
Timetable/itinerary change cover limit
£500.00
Unused excursions cover limit
£500.00
Free Spirit

Gold

Feature Value
Missed port departure cover limit
£1,000.00
Re-joining a cruise cover limit
£1,000.00
Cabin confinement cover limit
£50.00
Missed port departure excess
£0.00
Timetable/itinerary change cover limit
£250.00
Unused excursions cover limit
£250.00
Travel insurance add-on: winter sports

5 products reviewed

Free Spirit

Super Duper

Feature Value
Ski equipment owned cover limit
£750.00
Single owned item cover limit
£500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£300.00
Ski equipment hired
£300.00
Piste closure cover limit
£500.00
Unused ski pass due to illness or injury
£500.00
Free Spirit

Platinum

Feature Value
Ski equipment owned cover limit
£500.00
Single owned item cover limit
£350.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£200.00
Ski equipment hired
£200.00
Piste closure cover limit
£400.00
Unused ski pass due to illness or injury
£400.00
Free Spirit

Gold

Feature Value
Ski equipment owned cover limit
£500.00
Single owned item cover limit
£350.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£200.00
Ski equipment hired
£200.00
Piste closure cover limit
£400.00
Unused ski pass due to illness or injury
£400.00
Free Spirit

Super

Feature Value
Ski equipment owned cover limit
£500.00
Single owned item cover limit
£350.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£200.00
Ski equipment hired
£200.00
Piste closure cover limit
£400.00
Unused ski pass due to illness or injury
£400.00
Free Spirit

Standard

Feature Value
Ski equipment owned cover limit
£250.00
Single owned item cover limit
£200.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£100.00
Ski equipment hired
£100.00
Piste closure cover limit
£250.00
Unused ski pass due to illness or injury
£300.00