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
|