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Free Spirit travel insurance

Free Spirit provides specialist travel insurance for people with medical conditions and disabilities with no age limits.

Providing cover for people with existing medical conditions and disabilities is what makes Free Spirit different to standard travel insurance policies.

Free Spirit believes that everyone has the right to travel with confidence. We’re dedicated to supporting all travellers explore with the confidence they are covered by a dedicated, specialist travel insurance provider.

Our specially designed policy gives free spirits the protection to travel with confidence – whatever their age or medical condition(s).

Online quote

Or call Free Spirit directly at 02392 419080 – and say you were referred by the Encephalitis Society to access the appropriate policy for their needs.

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Free Spirit Travel Insurance Reviews

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Reviews 4.7.

3,763 total

Most relevant

Best experience in getting holiday insurance

It was so easy to tell the call handler what I wanted and then they went through it with me answered a few questions along the way and paid for my insurance.

Date of experience : February 28, 2024

Very easy quote service to use

Very easy quote service to use, comprehensive policy. Could be less expensive, however, this is true of most insurances. I would recommend to friends and family.

Date of experience : February 16, 2024

.A surprise recommendation from a friend

I would not have found this company advertised Thanks to a friend who used it and passed his experiencebonto me. Easy to navigate the website. Comprehensive lists of benefits compared to any others. Generous benefits. No age cut off barrier.

Date of experience : February 14, 2024

Easy to navigate on line.

Once got over the different ways to contact and using my computer able to buy at a reasonable rate for my holiday. Older less savvy people may need some help with such things as a QR code but managed ok. Why people can't send Letters I don't understand but then I'm an old Git.

Date of experience : October 16, 2023

Good customer service

Got through to an advisor almost immediately over the telephone. Lady was very helpful and able to assist me in buying a policy over the phone. Good price and cover compared to other companies.

Date of experience : January 24, 2024

Friendly, knowledgeable and comprehensive service

Very helpful agent dealing with my call. Took my health details accurately, understanding the related issues and providing explanations of complex questions when asked for. Free Spirit can provide proper cover where others can't - albeit at a price! (which is why I can only give 4 stars, rather than 5).

Date of experience : September 11, 2023

Free Spirit = First Class

I only wish I could remember the wonderful, helpful and kind lady I spoke with who helped me navigate insurance for my disabled husband . Her empathy and understanding was so touching I felt like I was talking to an old friend. The quote was pretty brilliant too! Wouldn’t go anywhere else now .

Date of experience : October 04, 2023

Excellent service from Neil he was…

Excellent service from Neil he was patient explaining every element for me as we navigated my holiday insurance so very well done and thank you once again.

Date of experience : March 24, 2024

Very straight forward.

As an 88 years old woman with osteoporosis and no life threatening conditions this broker is a dream. Very straight forward process. Spoke to an agent for under 20 minutes and affordable quotation for Europe.

Date of experience : December 08, 2023

I’ve used Free Spirit for several years…

I’ve used Free Spirit for several years for our travel insurance and they offer great cover at a good price.

Date of experience : March 09, 2024

It takes time to book, so be patient

The person who took my phone call started by telling me from the start, telling me that it would take between 20 to 30 minutes and asked if I was comfortable enough to go through the process.

Date of experience : January 29, 2024

Exorbitant extra charge

I received the documents from you this morning and after reading it I rang your office to say that I would be taking a walking stick just in case I needed in and your representative told me that you will increase my payment by over £35 , which seems exorbitant. Next time I go on holiday later this year I shall certainly not use your services.

Date of experience : February 07, 2024

Reply from Free Spirit Travel Insurance

Dear Mrs Cutland I hope this message finds you well. Thank you for taking the time to share your feedback, regarding the recent update to your medical declaration and the associated additional premium. Your satisfaction is of utmost importance to us, and we appreciate the opportunity to address your concerns. We understand that any changes to your policy, especially those resulting in an additional premium, can be frustrating. Please accept our sincere apologies for any inconvenience this may have caused. Whilst we wouldn’t usually record the use of mobility aids, unfortunately the medical condition declared asks this specifically, therefore we have needed to declare it. As part of our duty of care, it is essential for us to keep your policy up to date with the most accurate information, including any medical changes. If the policy is not updated to reflect the changes, it could result in a claim being refused or declined. If you feel we have misunderstood the situation, please feel free to reach out to us directly, and we will do our utmost to find a resolution. Yours Sincerely Jonathan Swatton Customer Service Manager

Big trip quote for seniors.

I’ve used Free Spirit several times for my annual big trip to New Zealand hence I know that they’re not going to quote me mega bucks because I’m getting old and have a medical condition. That’s good to start with. The Person I dealt with was calm and polite and patiently took me through the survey and I was pleased with the cost. It not cheap cheap but I have confidence that I have purchased the cover that I need.

Date of experience : September 05, 2023

Comprehensive response to my enquiry…

Comprehensive response to my enquiry which resulted in taking out an annual travel policy. Thank you.

Date of experience : March 15, 2024

Good comprehensive travel insurance for those with medical conditions

I like free spirit as they offer travel insurance for those of us with complex health conditions to travel abroad. They made my experience booking with them as straight forward as it could be at a decent price given the medical conditions etc. I feel very reassured I can now travel with more peace of mind thankyou!

Date of experience : August 21, 2023

Helpful staff. Good for older active people.

Helpful staff. Happy to ensure older people. Only marked down one star because of the cost, although this is in-line with other company policies for active older people. Quick to answer policy query.

Date of experience : January 16, 2024

I filled in all the medical details for…my son

I filled in all the medical details for my son with the online form, and then I could not find how to pay!! So, I phoned up, the phone was answered quickly and the lady I spoke to was very pleasant and dealt with the payment efficiently.

Date of experience : January 03, 2024

Efficient service and reasonable quote.

Did this online but needed help as there was a problem with my filling in. A quick phone call promptly answered quickly sorted that out. The price was less than another quote, so all in all very impressed.

Date of experience : February 21, 2024

All done on line.

I was able to arrange my travel insurance on line without hanging on the phone but it needed a lot of detail and some concentration. The cost seems high but was competitive with others available. I hope I won't have any claims experience!

Date of experience : October 20, 2023

Easy and quite quick procedure

Easy and quite quick procedure. Clerk had lots of patience in obtaining the information required from me! Second clerk (male this time) before taking my payment, went through the cover in great detail again with a degree of genuine patience - this was much appreciated.

Date of experience : September 15, 2023

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Free Spirit Travel Insurance Reviews

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Reviews 4.7.

3,763 total

Most relevant

Holiday Insurance

All staff I spoke to were extremely helpful and knowledgeable. I did get cheaper quotes but your staff were so good I went with your Company. I received the paperwork regarding the insurance details the day after accepting your terms. A very approachable and efficient Company.

Date of experience : 04 April 2024

Policy renewal: a very good experience

Renewing our travel insurance for all the family involved a lengthy phone call, as a year ago, but going through the various questions that had to be answered was made perfectly acceptable thanks to the helpfulness and quick understanding of the person I spoke to, Emily. Thank you.

Date of experience : 05 April 2024

No age limit on Annual Travel Insurance…

No age limit on Annual Travel Insurance Policy. Free Spirit highly recommended to me by several friends. Staff were very courteous and extremely efficient in handling my application. Everything was explained clearly and spelt out in easily understandable terms. Policy Documents arrived within a couple of days of me agreeing to take out the policy

Date of experience : 18 March 2024

The person I spoke to could not have…

The person I spoke to could not have been more helpful or patient helping me to complete my application particularly about personal health aspects of it. However my final judgement of any insurance company will be whether they are as courteous, understanding and helpful if I have to make a claim. The initial conversation made me optimistic that they would be.

Date of experience : 25 March 2024

Third trip with Free Spirit

Third trip with Free Spirit. Straightforward process. Reasonable premiums for traveller with health condition. Didn’t need to use customer helpline this time but they have been good in the past.

Date of experience : 05 March 2024

Outstanding Service.

Spoke to Lauren at Free Spirit and she was very helpful resolving some queries we had when renewing travel insurance policy for my Mum. We have used Free Spirit for the last three years and would highly recommend them.

Date of experience : 13 March 2024

Having received and accepted your…

Having received and accepted your policy details l did have a question and rang customer services l spoke to Katie she did not have the answer for me but immediately put me on hold and spoke to her manager. That was resolved to my satisfaction and l went on with the transaction

Date of experience : 15 March 2024

Efficient service.

Efficient lady helped me through the process. I have used this company before and recommend them.

Date of experience : 03 April 2024

Good service

Easy to use web-site with detailed information. Friendly & efficient on the phone when we needed some help. Reasonable cost. The real test will be how they deal with any claim, should we need to make one.

Date of experience : 11 March 2024

Hassle free experience.

Having used Free Spirit Travel Insurance for several years now I am always happy and pleased with the confidence the operator has when discussing your booking needs and options plus explaining your medical cover. Wouldn’t go anywhere else.

Date of experience : 14 March 2024

Cancelling travel insurance because of change in plans

I had renewed my yearly travel insurance which was due to start on 8th February but since then my travel plans have been altered and it is unlikely that I will travel until the end of the year. My phone call to cancel was handled quickly and pleasantly by your representative. I look forward to resuming my insurance with yourselves in the future.

Date of experience : 05 February 2024

They listened and were really helpful

They listened and were really helpful. I managed to get travel insured with them and would use them again. I didn't have a claim so don't know what that experience would be like.

Very efficient company

My telephone call to Free Spirit was answered directly and promptly, with no number-pressing or waiting in a queue . My enquiry was dealt with politely and efficiently, resulting in a very satisfied customer.

What previously had taken us a 2 hour…

What previously had taken us a 2 hour to get a quote with other companies was achieved in 20 mins with none of the stress. Very pleasant customer experience. No repetition of questions. No confusion over medicines. Would highly recommend

Date of experience : 01 February 2024

Patrica was most helpful

Patrica was most helpful. She helped me fill out my form for travel insurance with you. When I rang back to take out the insurance your other staff members were just as helpful in tweaking the dates and confirming the insurance cover. I shortly received my cover by email. Thank you, Christine.

Helpful person on fone- online form not seamless for me

I spoke to a very helpful person about the counties covered, who confirmed I couldn’t pay over the phone and about why I couldn’t get to payment I must have not ticked something. Could just be me I’m not very tec savvy but I had saved my form and then had to go back to edit and had to go back and forth lots of times and keep filling in my name and date of birth again (although it had saved the medical details previously entered) Happy with the cost of the cover and the insurance benefits especially as I have quite a few medical issues.

Date of experience : 26 January 2024

Great to be able to speak to someone in…

Great to be able to speak to someone in person especially instead of struggling online. Very helpful young man sorted all out very quickly

Date of experience : 08 March 2024

The important thing for me was that…

The important thing for me was that Free Spirit have no problem in offering me an insurance for an over 80 year old. I was recomended to use them by someone who has found them to give a good service. I have since done the same for a friend of mine in the same age bracket. The call to them was efficient and the documentation arrived quickly.

Date of experience : 22 January 2024

Had travel insurance before and was…

Had travel insurance before and was satisfied with the price of cover received. Contacted for insurance for this year and delighted with my cover. Reasonably priced, in fact couldn’t be bettered.

Date of experience : 20 May 2023

Hassle free travel insurance for people…

Hassle free travel insurance for people with medical conditions, bought online. Somehow managed to buy it without the key issue of covering my medical issues. Phoned the company the following day to correct this. The supervisor on the phone was friendly and helpful, and sorted the situation.

Date of experience : 13 February 2024

Free Spirit

For travellers of any age with medical conditions.

Travel Plus

Travel Insurance that gives you more.

For hazardous activities while overseas.

Longstay & Backpacker

For all types of extended trips.

Top Up My Cancellation Cover

Up to £50,000 additional cancellation cover.

High Value Cancellation Cover

Cover for ultra high net worth travel.

Especially for Coach Trips in the Uk & Europe.

European motor breakdown cover.

Staycationplan

Designed for UK-based holidays.

Mission, Vision & Values

Giving travellers the freedom to travel, with confidence.

Our History

Over thirty years providing specialist travel insurance solutions.

Happy customers are are the heart of everything we do.

Our work has been recognised in some prestigious awards.

The people who make P J Hayman what it is.

All P J Hayman Key Contacts and how to get in touch.

Meet P J Hayman’s Product Manager

We recently welcomed Michelle to our team as our new Product Manager. Michelle brings a wealth of expertise to our friendly team of expert advisors. She'll be reviewing our range of products,...

How P J Hayman’s Call Centre is Different from Others

Call centres operate to provide a service, such as receiving incoming calls or offering support and advice. Each call centre will differ depending on its industry, purpose, and responsibility....

Free Spirit Improvements

From the 1st of April, improvements are coming to Free Spirit. These are designed to allow more people to go for longer trips with higher rates of cover. The product is also moving to a new...

P J Hayman Supports Southwick Revival

Southwick Revival ‘Spirit Of D-Day’ is taking place across Saturday 8th and Sunday 9th of June to commemorate the 80th anniversary of D-Day. Visit the sleepy, small village of Southwick,...

Exclusive Holidays need High-Value Travel Insurance

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Travel-Insurance-for-Luxurious-family-holidays

A Policy For Luxurious Holidays

Luxurious holidays and multigenerational holidays have been increasing in popularity for some time. In a recent article in the Sunday Times, it revealed that Grandparents are treating their...

On the 1st of April we moved Free Spirit to new Insurers (Watford Insurance Company Europe Limited) through Managing General Agents Bspoke who have been working with the company for many years across multiple insurance schemes.

Unfortunately, on the 5th of April Watford advised Bspoke and in turn us that unfortunately one of the insurance classes necessary to write travel insurance was missing from their permissions with the Financial Conduct Authority. As a consequence, they are now having to apply to have this added which means that Free Spirit sales have had to be paused until this is resolved. Any policies issued up to that point are not affected.

This has been totally outside of the control of P J Hayman and Company. We are working to resolve the situation with Bspoke and Watford and in the meantime will provide quotations and cover using a range of facilities available to us.

Key Features

Medical conditions and disabilities covered.

We give travellers peace of mind, despite medical conditions or disabilities. We can even consider terminal conditions.

Cover for Travellers of Any Age

We believe strongly that everyone should be able to travel whatever their age. This is why we created Free Spirit with no age limits.

Cruise Cover Included

We will cover Cancellation & Medical costs for cruise holidays as standard. So, travellers can enjoy any cruise, from a river-based short trip to a round-the-world voyage.

Single and Annual Policies

Choose between a single trip or any number of trips over an annual period.

5 Star Cover

Free Spirit super duper cover is rated 5 star by Defaqto, making it one of the highest quality products on the market.

Get the freedom to travel, with confidence!

Free Spirit cover most medical conditions and disabilities, from common illnesses such as Asthma to rarer conditions like Haemophilia. Cover can even be considered for some life-limiting and terminal conditions.

You will obtain cover for 100 activities – for free, with a further 3 travel packs available.

What’s Covered

The following tables reflect a summary of cover available on the policy. You can find full cover detail, including definitions, terms and conditions, on your policy wording. We recommend reading this document prior to taking out cover, and referring to it when the need arises, during the duration of your cover.

Free Spirit is arranged in two cover levels: Super and Super Duper. In each, cover is structured in sections A to O. Section N is an additional level of Winter Sports cover, available as an option and subject to an additional premium.

Eligibility & Restrictions

Eligibility.

Free Spirit is available to people of any age, who are residents of the United Kingdom (England, Wales, Scotland and Northern Ireland), the Channel Islands, the Isle of Man, or for members of the British Armed Forces.

To be eligible for a policy, all persons travelling should be fit to travel and not be travelling against advice of a doctor.

There are no age limits: Travellers of any age can take out a Free Spirit policy.

Trip Limits

Single Trip

The maximum duration of any single trip is 115 days (although for persons aged 76 years and over the maximum duration is 45 days). If travel is for longer than 45 days for someone aged 76 or over, please call us on 02392 419 080.

Annual Trip

As many trips as desired can be taken within the duration of the 12 month policy duration. For individual trips there is a limit of 32 days on Super policies, and 45 days on Super Duper policies.

Frequently Asked Questions

There follow some commonly asked questions to give you more information about Free Spirit Travel Insurance and the cover offered. If you have a question that is not answered below, please reach out using the options on the contact us page.

Please use the options at the top to explore each section. Each question can be expanded in turn by clicking on it.

Why do I need cover for existing medical condition(s)?

Medical costs abroad can be very expensive especially if you have to be repatriated home. Without appropriate insurance cover you could be left severely out of pocket. You must therefore read the ‘Medical Warranty’ that is shown as you progress through this website in getting a quote and to accurately declare all medical conditions. If you give incorrect answers or forget to tell us about a medical condition, this could lead to a claim not being paid.

I already have a policy but have recently been diagnosed with a new medical condition, what should I do?

If there is a change in health of anyone insured under an existing policy you must contact our Medical Screening Service on 02392 419 080 as soon as possible. We will tell you if your change in health will affect your insurance and if cover can continue.

If your health changes after you purchased your policy but before you commence your trip (or in the case of Annual Multi-trip cover before booking your next trip) or pay the balance or any further instalments for your trip, you must tell us about these changes, if:

• new medication or a change in regular medication has been prescribed;

• there has been a deterioration of a previously stable condition;

• you have been referred to a specialist;

• A medical symptom/condition is being investigated; or

• you are awaiting treatment/consultation

We will then tell you if we can cover your medical condition(s) free of charge or for an additional premium.

If we cannot cover your medical condition(s), or you do not want to pay any additional premium quoted, we will give you the choice of either:

• making a cancellation claim for any pre-booked trips; or

• cancelling your policy and receiving a proportionate/partial refund, provided that you have not made a claim or are about to.

A change in health includes any changes to your health which you are aware of and for which you may need to seek professional medical advice, any new medical conditions or symptoms which may or may not yet have been diagnosed, changes to any existing medical condition already declared or a change to your treatment or prescribed medication (which can include a change in dosage which may be an increase or decrease in the amount of medication that you take) or you are waiting for tests or test results, or have been placed on a medical waiting list.

If you are not sure whether something is relevant you must tell us anyway.

What existing medical condition(s) do I need to declare?

So that you (and anyone to be insured under Free Spirit) can be covered for existing medical condition(s), you must include all relevant medical history as shown below.

A: Any treatment in the last 5 years (including prescribed medication) for: – any respiratory condition (relating to the lungs or breathing), any heart or heart related condition, any circulatory condition (relating to the blood or circulation), any kidney or renal condition, any liver condition, any condition relating to the pancreas e.g. diabetes, any cerebral or neurological condition (relating to the brain), any type of cancer, any type of stroke, any central nervous system disorder, irritable bowel disease, any psychiatric or psychological conditions.)

B: Any surgery, inpatient or outpatient treatment, any tests or investigations in a hospital or clinic or any specialist consultation within the last 2 years.

C: Any prescribed medication for any medical condition in the last 2 years.

Can I buy a policy if I have a terminal condition?

We cannot cover terminal conditions on this website as we need to provide you with an individual assessment. Please contact us on 02392 419 080 and we will discuss your requirements to see if cover can be provided.

I am on a waiting list for treatment/investigation, can I apply for cover?

Yes, if you are waiting for medical tests or treatment of any description you can generate a quote.

I’m taking medication to control my medical condition; do I still need to declare it?

Yes, the Underwriters need to be aware of all medical conditions including those that are under control by medication. This is important as otherwise a claim may be invalidated if medical conditions are not disclosed.

Are you able to quote and provide cover for a condition that has not yet been diagnosed?

We can only medically screen a condition that has been diagnosed by the medical profession and therefore, we cannot provide a quote or offer cover until such time as your medical condition has been diagnosed.

In 2 week’s time I will have finished my treatment, can I say ‘no’ to the question concerning ongoing treatment?

No, you must declare the position as of today.

How do I work out my travel dates?

The start date of your policy should be the day that you leave home. Your end date should be the date you return home. Note that this could be a different day to the day you leave your holiday destination.

Cancellation cover and End Supplier Failure Insurance ( Super Duper only) starts on the date you purchase your policy so even if your holiday/trip is some time away, you will be covered for cancellation until the day your trip starts.

Is there an age limit on Single Trip policies?

There is no upper age limit.

What is the maximum duration of a Single Trip policy?

The maximum duration of any single trip is 115 days (although for persons aged 76 years and over the maximum duration is 45 days). If you are travelling for longer than 45 days and you are aged 76 or over, please call us on 02392 419 080.

Can I take out a Single Trip policy in the UK?

Yes, in fact some features on our policy are specifically for travel within the UK. For example, you will benefit from up to £10,000 for indirect medical costs if you are injured or fall ill while away.

What are the Geographical Areas on a Single Trip policy?

You will not be covered if you travel outside the area you have chosen, as shown on your Policy Schedule.

United Kingdom – England, Wales, Scotland, Northern Ireland and Isle of Man.

Europe 1 – including: United Kingdom and Austria, Azores, Belgium, Bulgaria, Channel Islands, Corsica, Croatia, Czech Republic, Denmark (and the Faroe Islands), Finland, France, Germany, Gibraltar, Hungary, Iceland, Italy, Liechtenstein, Luxembourg, Madeira, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Russia (west of the Ural mountains), San Marino, Sicily, Slovak Republic, Slovenia and Sweden.

Europe 2 – including Europe 1 shown above and the remaining countries west of the Ural mountains and Andorra, Balearics, Canary Islands, Cyprus, Greece, Morocco, Spain, Switzerland, Tunisia and Turkey.

Australia & New Zealand – including: Europe 2 shown above and Australia, including Territory of Cocos (Keeling Islands, The Territory of Christmas Island, Norfolk Island and Lord Howe Island) and New Zealand, including the Cook Islands, Niue and Tokelau.

Worldwide – including Egypt and Israel but excluding Canada, Caribbean, China, Hong Kong, USA, Afghanistan, Liberia and Sudan.

Worldwide – including Canada, Caribbean, China, Hong Kong and USA but excluding Afghanistan, Liberia and Sudan.

Do you cover one-way trips?

No, Free Spirit only covers round trips that start in and return to the United Kingdom or the Isle of Man. However, please contact us on 02392 419 050 as we may be able to offer an alternative policy.

Can I extend my policy if I decide to stay longer?

Extension requests will be considered but cannot be guaranteed:

Trip extensions: – if you decide you wish to extend your trip whilst overseas – if you are unable to return home from your trip as planned – travel disruption caused by an infectious and contagious diseases

Full details of the terms and conditions which apply are shown in the Insurance Policy .

Subject to Underwriters agreement, we can extend a Single Trip policy at your request. This is providing you let us know BEFORE your policy expires and that at the time of requesting the extension you are not intending to make a claim.

Please note – this is subject to the total trip duration including the extended period not exceeding 94 days (45 days if aged 76 years or over), which is the maximum trip duration of the Single Trip policy. You will be advised of the additional premium at the time of the request.

Please contact us on 02392 419 080 to discuss your requirements.

What start date should I choose?

Cancellation cover and End Supplier Failure Insurance begins on the date you choose to start your policy. If you already have a trip booked and you want to be covered immediately, you should select today’s date. You can choose to start your policy later (up to 31 days from today’s date) but there would not be any cancellation cover between now and the start date you choose.

Is there an age limit on Annual Multi-trip policies?

How many times can i travel and how long can each trip be.

You can travel as often as you like within the 12 month period. There is a limit of 32 days ( Super ) and 45 days ( Super Duper ) for any one trip.

Does an Annual Multi-trip policy cover me for travel in the UK?

Yes, your cover applies not only in your chosen geographical area, but also in the UK for trips of 2 or more nights.

In fact, some features on our policy are included with domestic travel in mind. For example, up to £10,000 cover is available for indirect medical costs if you are injured or fall ill while away.

What are the Geographical Areas on an Annual Multi-trip policy?

Europe – Austria, the Azores, Belgium, Bulgaria, Channel Islands, Corsica, Croatia, Czech Republic, Denmark (and the Faroe Islands), Finland, France, Germany, Gibraltar, Hungary, Iceland, Italy, Liechtenstein, Luxembourg, Madeira, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Russia (west of the Ural mountains), San Marino, Sicily, Slovak Republic, Slovenia, Sweden, Andorra, Balearics, Canary Islands, Cyprus, Greece, Morocco, Spain, Switzerland, Tunisia, Turkey and United Kingdom.

Worldwide – excluding Canada, Caribbean, China, Hong Kong, USA, Afghanistan, Liberia and Sudan but including Australia, New Zealand, Egypt & Israel.

Can I extend my policy if I am abroad and want to stay over the maximum trip limit?

We are not able to extend the Annual Multi-trip policy. The maximum duration for any one trip is 32 days ( Super ) and 45 days ( Super Duper ).

If you exceed the maximum trip duration, any claims during your holiday will not be covered.

Will I receive a renewal?

If you have Annual Multi-trip cover, we will contact you prior to the expiry of the period of insurance as shown on your Policy Schedule. We will give you at least 21 days written notice before the expiry date.

On receipt of the reminder, we will ask you to complete a new application as we need to make sure that your details are based on your health at the time of taking out a new policy for the next 12 months.

Under an Annual Multi-trip policy, can children travel independently of an insured adult?

No. Adults may travel independently but children under 18 years of age must be accompanied by an insured adult.

Do you have a 24 hour medical emergency service?

Yes, the Free Spirit policy has a 24-hour medical emergency and repatriation service provided by:

Free Spirit – 24 hour Medical Emergency Assistance +44 (0) 343 227 0843.

Further details of this service are shown in your Insurance Policy .

Staff are on call 24 hours a day throughout the year. They will, when necessary, guarantee medical bills, arrange repatriation and, if required, provide a medical escort.

In the event of a medical emergency whilst abroad, do I have to pay my medical bills myself?

If you are asked to pay a small bill for medicines and/or outpatient treatment it is often easier to settle your bill direct, keep all receipts and claim for the costs incurred on your return home.

If you are admitted as an inpatient, or you require outpatient treatment which is likely to exceed £500, then you must contact the 24 hour Medical Emergency Assistance prior to receiving treatment.

I’m on holiday and my camera has been stolen, what do I do?

If an item you took on holiday, personal money or your travel documents get lost or stolen you must notify the police as soon as possible and obtain a written report and reference number from them. You also need to report the loss/theft to your tour operator’s representative or hotel/accommodation manager and (if possible) get a written report.

You should wait until you return home to make a claim. Full details on how to make a claim and what supporting documentation you need are also shown in your Insurance Policy .

How do I make a claim?

How quickly will you settle my claim.

We aim to provide a first-class claims service and undertake to respond within 5 working days of receipt of correspondence.

Is your website secure?

Yes. The security of your personal information and payment details is of utmost importance to us. We use 128-bit encrypted SSL to help keep all of your data safe.

How can I pay for my policy?

You can pay by debit or credit card. We accept Mastercard and Visa.

How will I receive my travel insurance policy documents?

Once you have purchased your policy, you will receive an email from Free Spirit with instructions on how to access your policy documents.

Please note – if you have not received your email after a few hours, please check your spam email.

How can I access my policy documents?

Please ensure you have set up an account. If you have not already done this, you can create an account by clicking this link . You will need to provide your first name and last name, date of birth and email in order to activate your account.

Please note, please ensure you use the same details to create your account that you used when obtaining a quote and purchasing your policy online.

Do I need to take my policy documents with me on holiday?

Can i get my money back if i want to cancel.

If you are not completely satisfied with the cover provided and have not already travelled and are not making or intend to make a claim, you may cancel your policy within 14 days of purchase and we will refund your full premium.

Important Information

Please note that the information below applies to policies purchased from the 2 nd April 2024 . For any policies purchased prior to this, you can find all of the relevant information and documents on the Free Spirit archive page .

Emergency Assistance

Healix Medical Assistance Services are available on +44 (0) 343 227 0843 . Their email is [email protected] . When contacting them, please quote 'Free Spirit Travel Insurance'.

The service is open 24 hours a day, 365 days a year. The call operators are highly trained and can advise on all aspects of assistance, making arrangements for hospital admission, repatriation and medical expenses.

Each operator is a medical specialist who can liaise with doctors and arrange repatriation if medically necessary.

Please have the following information available when you (or someone on your behalf) contact the Medical Emergency Assistance Company so that your case can be dealt with swiftly and efficiently:

• Your name and address; • Your contact phone number abroad including the hospital and treating doctor's details; • Your policy number shown on your Policy Schedule; and • The name, address and contact phone number of your GP.

Claims Notification

Cover Sections A-M and Cover Section O:

Please contact the claims handler within 31 days of returning home:

Travel Claims, Roger Rich & Company - Part of the Claims Consortium Group, 2a Marston House, Cromwell Park, Chipping Norton, Oxfordshire OX7 5SR

Telephone: +44 (0)343 227 0842 Email: [email protected]

Gadget Cover (Section O):

Please notify the claims handler as soon as possible but ideally within 48 hours of your return to the UK:

Telephone: 0330 102 8698

Email: [email protected]

You may also use the online claims portal: https://bastion.davies-group.com .

Please note that the documents below are valid to policies purchased from the 2nd April 2024 . For any policies purchased prior to this, you can find all of the relevant information and documents on the Free Spirit archive page .

Free Spirit Policy Wording

Free spirit super ipid, free spirit super duper ipid.

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Free Spirit Travel Mastercard – Full Review

Jarrod West

Senior Content Contributor

440 Published Articles 1 Edited Article

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Keri Stooksbury

Editor-in-Chief

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Director of Operations & Compliance

1 Published Article 1172 Edited Articles

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Free Spirit Travel Mastercard

10,000 points

15.99% to 23.99% variable

The Free Spirit card is a solid choice for Spirit frequent flyers who want a no-annual-fee card.

Spirit flyers are used to receiving little to no benefits on their flights. After all, the carrier requires you to pay for carry-on baggage , seat selection, beverages, and just about everything else.

While this is the price you pay for low-cost fares, the experience can be frustrating at times. Fortunately, having the Free Spirit ® Travel Mastercard ® can help elevate your Spirit flight experience thanks to the numerous benefits that the card offers.

Card Snapshot

Welcome bonus & info.

Online Offer: Earn 10,000 Bonus Points after spending at least $500 on purchases in the first 90 days of account opening
Earn 2X points on eligible Spirit purchases and 1 point per $1 on all other purchases
Receive 5,000 Bonus Points each anniversary after making at least $10,000 in purchases within the prior anniversary year
Access to Points Pooling to combine your points with up to 8 friends and family members
Get a 25% rebate on all inflight food and beverage purchases when you pay with your card

Card Categories

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No Annual Fee Cards

Customer Service Number

855-728-3555

2x points per $1 on Spirit purchases
1x point per $1 on all other purchases
Get a 25% rebate on all inflight food and beverage purchases
Automatic Zone 2 Shortcut boarding on all flights
Access to Points Pooling
Receive 5,000 bonus points each anniversary after making at least $10,000 in purchases within the prior anniversary year
Points don’t expire
No foreign transaction fees
No annual fee
No bonus categories outside of Spirit purchases
Does not earn transferable rewards

Great Card If

You fly with Spirit often and want to receive more benefits on these flights
You want a card with no annual fee

Don’t Get If

You want a card that earns transferable rewards
You hardly ever fly with Spirit

The Ideal Cardholder

The Free Spirit card is tailored towards those who fly with Spirit often enough to take advantage of the benefits the card provides, and those who want to earn more Free Spirit points on their flights and everyday spending, but don’t want to pay a credit card annual fee.

Free Spirit Card Benefits

Priority boarding.

Cardholders automatically receive Zone 2 priority boarding on all Spirit flights. This will allow you to get to your seat sooner and settle in, as opposed to other travelers who are 3 groups behind in general boarding.

Points Pooling

One of the most convenient benefits of the card is the ability to combine your points with up to 8 friends and family members. This allows you to earn free flights faster and is a great option for traveling families that always have multiple passengers on the same booking.

Without the credit card, you would need to qualify for Free Spirit Silver or Gold status in order to access Points Pooling, but Free Spirit cardmembers get it as a benefit of card membership.

Anniversary Bonus Points

When you spend at least $10,000 in purchases within the prior cardmember year, you’ll earn 5,000 bonus points, on top of the points you’ll have earned from the spend. Since we value Free Spirit points at 1.1 cents per point , these 5,000 points are like receiving $55 towards a Spirit flight.

While you probably shouldn’t go out of your way to spend that much on the Free Spirit card just to earn the 5,000 point bonus, it is a nice perk for those who can meet that level of spend.

Inflight Discount

When paying with your card, you’ll get a 25% rebate on all inflight food and beverage purchases. You might be used to skipping beverage and snack service on Spirit flights in order to save some cash, but now you can treat yourself on your flights and get a discount!

Points Never Expire

One common complaint about the Free Spirit program is that points expire every 12 months. But you don’t need to worry about that with the Free Spirit card, because as long as you hold the card, your Free Spirit points will never expire!

How To Use Free Spirit Points for Max Value

Spirit award flights.

Your best option when it comes to redeeming your Free Spirit points is towards Spirit award tickets. Award tickets with Spirit start at 2,500 points and increase from there based on the cost of the ticket.

With Spirit, you’ll virtually always get somewhere between 1 and 1.1 cents per point in value on award redemption. So if the flight you are trying to purchase costs $100, you’ll need around 10,000 Free Spirit points in order to book the award ticket.

Hot Tip: Keep in mind that on flights booked within 28 days of the departure date, Spirit charges an award redemption fee of $50. So you’ll want to make sure you book well in advance, as booking last minute and paying this fee will significantly drop the overall value of your award redemption.

Spirit Points + Cash Tickets

Don’t have enough points for a Spirit award? Spirit offers a Points + Cash booking option that allows you to reduce the overall cash cost of your fare, starting with as little as 1,000 points.

While you usually won’t get quite as much value as you would by waiting to redeem for a full award ticket, this can still be a decent option at times for those who don’t early Free Spirit points very quickly but still want a discounted flight.

How To Earn More Free Spirit Points

Spirit flights.

The obvious way to earn as many Free Spirit points as possible is to use your Free Spirit card to purchase all of your flights with Spirit to earn 2x points per $1.

Without the card, you’d usually earn 6x points per $1 with Spirit. But paying with your card boosts your point earnings by 33% up to 8x points per $1.

All Other Purchases

The Free Spirit card doesn’t offer any other bonus categories. But you’ll still earn 1x point per $1 on all other purchases outside of Spirit flights.

However, you might want to consider opting for another no annual fee card that offers a better return on these purchases, like the Citi Double Cash ® Card .

Free Spirit Shopping Portal

The Free Spirit Online Mall is Spirit’s shopping portal that allows you to earn additional Free Spirit points just for clicking through the portal before doing your online shopping. Spirit’s portal offers hundred of different merchants to shop through, allowing you to really rack up the extra points.

Free Spirit Dining Program

Through the Free Spirit Dining program , you can earn extra Free Spirit points every time you dine at a participating restaurant.

First, you need to enroll in the program and link your credit card. Then, each time you dining at a restaurant that participates in the program, and pay with your linked card, you’ll earn Free Spirit points!

Basic members will earn 1x point per $2 spent, Select members earn 3x points per $1 spent (this tier only requires opting into email communications to qualify), and top-tier VIP members will earn 5x points per $1 spent (you’ll reach this after 11 qualifying transactions in a calendar year).

Hot Tip: Have a look at some of the other best ways for you to earn Free Spirit points !

Alternative Cards to the Free Spirit Card

Free spirit ® travel more world elite mastercard ®.

The Free Spirit World Elite card is a perfect option for frequent Spirit flyers that want benefits like priority boarding and inflight discounts.

The information regarding the Free Spirit ® Travel More World Elite Mastercard ® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Being that Spirit is a low-cost carrier, it might feel easy to overlook the Free Spirit ® Travel More World Elite Mastercard ® , especially since it charges an annual fee. But if you’re someone who flies with Spirit Airlines often, then this is a card that can definitely make a lot of sense to add to your wallet.

Not only does it help you earn more Free Spirit points , but it also comes loaded with benefits like inflight discounts, priority boarding , and a fast track towards Spirit elite status .

3x points per $1 Spirit purchases
2x points per $1 on dining and grocery store purchases
1 point per $1 on all other purchases
Get Zone 2 Shortcut Boarding on all flights
Earn 1 SQP for each $10 in net purchases toward Free Spirit status
Receive a $100 Companion Flight Voucher on your account anniversary after making at least $5,000 in purchases within the prior year
Access to points pooling
No redemption fees on award tickets
25% rebate on all inflight food and beverage purchases
$79 annual fee
Online Offer: 50,000 bonus points + a $100 Companion Flight Voucher Offer after making at least $1,000 in purchases within the first 90 days of account opening
Earn 3 points per $1 spent on eligible Spirit purchases, 2 points per $1 spent on eligible dining and grocery store purchases, 1 point per $1 spent on all other purchases.
No redemption fees as a primary cardholder, no limit to the points you can earn, and no points expiration as long as your account is open.
Anniversary Bonus. Receive a $100 Companion Flight Voucher each anniversary after making at least $5,000 in purchases within the prior year.
Additional Cardholder Benefits: Zone 2 shortcut boarding on all flights, plus a 25% rebate on all inflight food and beverage purchases when you pay with your card.
Special Introductory Annual Fee: enjoy an introductory annual fee of $0 for the first year; a $79 fee will apply thereafter.

Financial Snapshot

APR: 20.24% to 28.24% Variable
Foreign Transaction Fees: $0
How To Use the Free Spirit Shopping Portal
How to Cancel a Spirit Airlines Flight [Points or Cash Ticket]
FAQ’s About Flying Spirit Airlines
Best Ways To Redeem Spirit Points
How To Use Spirit Airlines’ Free Spirit Dining Program
Spirit Airlines Free Spirit Loyalty Program Review
Spirit Airlines Review – Seats, Amenities, Customer Service, Fees & More
Spirit Airlines Boarding Zones & Process
Best Ways To Earn Spirit Airlines Points

If you’re a dedicated Spirit Airlines flyer, then the Free Spirit World Elite card will be a much better fit for you. Not only does it earn 3x points per $1 on Spirit purchases, and 2x points per $1 on dining and grocery store purchases , but the card also offers way more benefits to Spirit flyers.

Benefits include no award redemptions fees, 1 SQP for each $10 in net purchases toward Free Spirit status, and a $100 Companion Flight Voucher each anniversary after making at least $5,000 in purchases. Keep in mind that the card does charge a $79 annual fee, though.

Chase Sapphire Preferred ® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

5x points on all travel booked via the Chase Travel portal
5x points on select Peloton purchases over $150 (through March 31, 2025)
5x points on Lyft purchases (through March 31, 2025)
3x points on dining purchases, online grocery purchases, and select streaming services
2x points on all other travel worldwide
$50 annual credit on hotel stays booked through the Chase Travel portal
6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
Excellent travel and car rental insurance
10% annual bonus points
No foreign transaction fees
1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
$95 annual fee
No elite benefits like airport lounge access or hotel elite status
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards ® .
Enjoy beneﬁts such as 5x on travel purchased through Chase Ultimate Rewards ® , 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards ® . For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Member FDIC
APR: 21.49%-28.49% Variable
Foreign Transaction Fees: None
Credit Cards
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The Chase Sapphire Preferred 80k or 100k Bonus Offer
Benefits of the Chase Sapphire Preferred
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Military Benefits of the Chase Sapphire Preferred
Chase Freedom Unlimited vs Sapphire Preferred
Chase Sapphire Preferred vs Reserve
Amex Gold vs Chase Sapphire Preferred

If you’re serious about earning points and miles and fly with multiple airlines, then you need a card that earns transferable rewards — like the Chase Sapphire Preferred card .

With it, you’ll earn 5x points per $1 on travel purchased through the Chase Travel portal, 3x points per $1 on dining, online grocery store, and select streaming service purchases , plus 2x on all other travel purchases.

The card also offers perks like a DoorDash DashPass, a $50 annual hotel statement credit, travel delay insurance , baggage insurance , rental car insurance , and much more!

The information regarding the Free Spirit ® Travel Mastercard ® was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Free Spirit ® Travel More World Elite Mastercard ® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

What are the benefits of the free spirit card.

The Free Spirit card offers perks like priority boarding, Points Pooling, a 25% discount on inflight purchases, and no foreign transaction fees, and it keeps your Free Spirit points from expiring!

Which Spirit credit card is best?

Quite a handful of the benefits of the 2 cards overlap, but the Free Spirit World Elite card offers better rewards, no fees on award redemptions, and the ability to help spend your way towards Spirit elite status. However, the Free Spirit World Elite card charges a $79 annual fee, while the Free Spirit card charges $0 annual fee.

So, if you’re someone who flys with Spirit quite often, the Free Spirit World Elite card might be more worthwhile to you. But if you’re just looking for a way to earn Free Spirit points without paying an annual fee, then the Free Spirit card is the best bet.

Is the Free Spirit card a good card?

Yes, the Free Spirit card is a great option for those who fly with Spirit often enough to take advantage of the card’s benefits like priority boarding, Points Pooling, and inflight food and beverage discounts.

Does the Free Spirit card charge an annual fee?

No, the Free Spirit card does not charge an annual fee.

How many points do you need for a free Spirit flight?

The minimum number of points needed to book a Spirit flight is 2,500. However, Spirit does not offer a traditional award chart and instead ties the number of points needed to the cash cost of the ticket.

With that, each Spirit point is always worth around 1 cent towards a Spirit flight. So if you want to book a weekend ticket to Miami for $300, it would cost roughly 30,000 Free Spirit points to book a free award ticket.

About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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Free Spirit Travel Insurance Review: Good for your Pre-Existing Conditions?

Older travellers due to no upper age limit
Pre-existing medical conditions
Competitive prices
Easy, online medical screening and quote system
Aftercare in UK
Repatriation
Good Covid-19 cover
Those looking for the cheapest cover

Editor's Rating

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here .

Compare Cheap Travel Insurance

Protect your holiday today. Quick quotes from 20 insurers.

Excellent customer reviews, no upper age limit and cover for most pre-existing medical conditions and disabilities make Free Spirit a top choice for many travellers. Their online medical screening, instant quote system and online purchasing make it quick and easy to get travel insurance even if you have medical conditions to declare. Here's what you need to know about Free Spirit before you buy.

In This Review

Free Spirit Travel Insurance Price Comparison
Free Spirit Travel Insurance Notable Features
Free Spirit Travel Insurance Policy Limits and Coverage Options
How does Free Spirit Compare to Competitors?
Free Spirit Policy Wording and Claims

Free Spirit Travel Insurance Review: What You Need to Know

As a travel insurance provider specializing in older travellers and those with pre-existing medical conditions and disabilities, Free Spirit may very well offer you cover for a trip abroad even if you have a serious health issue. They cover most conditions, and will even consider terminal conditions. One feature that really sets Free Spirit apart is the Aftercare at home feature, which provides for home help, cosmetic surgery, dental treatment, physiotherapy and UK convalescence following hospitalisation abroad.

In the case of terminal conditions, however, you shouldn't apply online but should instead call Free Spirit on 0800 170 7704 to discuss with a medical screening specialist.

Free Spirit prices are generally competitive to the rest of the market. However an insurer's competitiveness can vary from condition to condition and across other factors like geographical coverage, so we'd always recommend checking prices with a number of providers before making a purchase. You can do so by filling out one form to get quick quotes from Free Spirit and other specialist travel insurance providers.

And customers rate Free Spirit with a score of 4.7 out of 5 stars on Trustpilot , which is quite a high score for an insurance provider.

Over 65s: Free Spirit has no upper age limit, offering cover to travellers of all ages.

How to pay for your treatment: Non-emergency bills should be paid by you at the time of treatment and claimed back when you return home. You must provide an itemised receipt for any monies paid for medical treatment. If you're admitted to a medical facility, you may need to pay the policy excess locally and ask the hospital or doctor to send the rest of their bills to Free Spirit's claims department.

You may only be covered for the cost of private medical treatment in Europe and Scandinavia if you get approved in advance by Free Spirit's medical assistance service on +44 (0)203 829 6745, so be sure to have that number handy when abroad. When seeking treatment in other countries, you'll also need to call that number ASAP (e.g., on your way to hospital) as they may direct you to a preferred facility.

Gadgets: Gadgets, like mobile phones, are covered up to £1,000 on the Super plan and £1,500 on Super Duper. If you need more cover, you may need to look elsewhere and pay for a gadget cover extension (up to £3,000 available from some brands like CoverForYou ).

Cruises: While coverage extends to trips that include a cruise (not all companies do this), Free Spirit doesn't offer some of the specialist cruise cover you can find elsewhere such as missed port, cabin confinement, etc.

Bottom Line: Expect Free Spirit to provide cover for most pre-existing conditions. In most cases quotes are within market averages and will hopefully enable you to travel even if you've suffered from a serious medical condition. Adding to peace of mind, policies include the unusual feature of aftercare once you return home to the UK and also repatriation for you and a companion, should it be required for medical reasons.

How do Free Spirit Prices Compare?

Mid-market Free Spirit travel insurance prices are certainly competitive for many pre-existing conditions. When compared to Fit2Travel and GoodToGo—two other medical-specialist travel insurers—Free Spirit's prices were near average for most medical conditions. Generally speaking, Free Spirit is more expensive than Fit2Travel but cheaper than Goodtogoinsurance.com.

Of the conditions and geographies we studied, Free Spirit really stood out for good deals for those who've had a heart attack and have a stent in place and are travelling worldwide including America . In fact, our sample 65-year-old traveller with pre-existing conditions of aneurysm and stent would pay £531 to cover a 2-week trip to the US—25% less than the Fit2Travel quote and a whopping 40% less than GoodToGo. But as always, prices can vary a lot by person and even day so be sure to check your own quotes to see how they compare.

chart showing prices of Free Spirit travel insurance plans compared to competitors for Europe travel

Insurance quotes can vary significantly from day to day and according to each individual's details, so please just use this following data for general educational purposes only about the travel insurance market; your quotes may reflect a large degree of variation.

Free Spirit Standard Features

Free Spirit includes cover for Emergency Medical, Cancellation and Baggage on all policies, limits for which can be found below in the Policies section.

For more complete details like inner limits and exclusions, please see the policy documents .

Free Spirit Optional Extra Coverages

Free Spirit offers extra coverage beyond what is offered by traditional travel insurance. For instance, travellers can buy cover for winter sports and, separately, gadget cover to protect mobile phones and tablets when you go abroad.

Free Spirit Travel Insurance Cover Plans & Limits

Travellers can choose between two plans with Free Spirit—Super and Super Duper—depending on the level of cover you need. For instance, those with holidays worth around £5,000 would opt for the Super Duper plan, whereas those only needing £2,500 to cover non-refundable travel and accommodation expenses might find the Super plan to be sufficient.

How does Free Spirit Travel Insurance Compare to Competitors?

To better understand the value of Free Spirit travel insurance you need to look at it in the context of other available options. We compared it to other plans in the market so you can see which may be more suitable for you.

Free Spirit Travel Insurance vs Fit2Travel Travel Insurance

Fit2Travel is another travel insurer specializing in offering cover to those with pre-existing medical conditions. Plans are typically quite economical relative to others in the market for the level of cover, but you don't get aftercare cover post hospitalization once you return home to the UK.

Bottom Line: If you want extras such as cover for aftercare (e.g., physiotherapy, cosmetic surgery, etc.) on your return home to the UK then Free Spirit might be worth any extra cost to you.

Free Spirit Travel Insurance vs goodtogoinsurance.com Travel Insurance

Another medical-specialist for those travelling with health issues, goodtogoinsurance.com offers a host of optional extras like 24/7 Virtual Doctor to speak with a UK doctor for advice whilst abroad and Gadget cover. All plans include financial failure and repatriation, plus home help and a recuperation holiday post emergency surgery abroad if you stayed in hospital for 5 days. Plus those going on a cruise can get specialist cruise cover from Good to Go.

Bottom Line: Free Spirit provides slightly more robust aftercare once you return home to the UK (e.g., physiotherapy, cosmetic surgery, etc.), but goodtogoinsurance.com stands out for the optional 24/7 Virtual Doctor and recuperation trips. If price is a priority, Free Spirit is likely to be cheaper.

Other Useful Information

For those who need to claim, you'll find a link below to both the claims forms and answers to questions like, "What should I do if I need to claim?"

Free Spirit Policy Wording
Free Spirit Claims Help & Documents

Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn .

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Advertiser Disclosure : NimbleFins is authorised and regulated by the Financial Conduct Authority (FCA), FCA FRN 797621. NimbleFins is a research and data-driven personal finance site. Reviews that appear on this site are based on our own analysis and opinion, with a focus on product features and prices, not service. Some offers that appear on this website are from companies from which NimbleFins receives compensation. This compensation may impact how and where offers appear on this site (for example, the order in which they appear). For more information please see our Advertiser Disclosure . The site may not review or include all companies or all available products. While we use our best endeavours to be comprehensive and up to date with product info, prices and terms may change after we publish, so always check details with the provider. Consumers should ensure they undertake their own due diligence before entering into any agreement.

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Free Spirit® Travel More World Elite Mastercard®

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Online offer: 50,000 Bonus Points + a $100 Companion Flight Voucher

after making at least $1,000 in purchases within the first 90 days of account opening

$0 Intro Annual Fee for the first year; after that, Annual Fee will be $79

Review rates and fees †

Card Details

Earn points.

Earn 3 points per $1 spent on eligible Spirit purchases 2 points per $1 spent on eligible dining and grocery store purchases 1 point per $1 spent on all other purchases

No limit to the points you can earn, no points expiration as long as your card account is open, and no redemption fees as a primary cardholder

Bonus Points

Online Offer: Earn 50,000 bonus points plus a $100 Companion Flight Voucher after making at least $1,000 in purchases within the first 90 days of account opening

Anniversary Bonus

Receive a $100 Companion Flight Voucher each anniversary after making at least $5,000 in purchases within the prior anniversary year

Additional Cardholder Benefits

Zone 2 shortcut boarding on all flights, plus a 25% rebate on all inflight food and beverage purchases when you pay with your card

Special Introductory Annual Fee

Enjoy an Introductory annual fee of $0 for the first year; a $79 fee will apply to World Elite Mastercard ® accounts thereafter †

Interest Rates & Fees Summary †

Introductory apr, standard apr.

20.24% - 28.24%

Balance Transfer Fee

of each transaction †

† Please see Terms and Conditions for rate, fee and other cost information, as well as an explanation of payment allocation. All terms may be subject to change.

Note: minimum payments are applied to lower-interest balances first. Additional payments are applied to higher-interest balances first.

No limit to the points you can earn, no points expiration as long as your card account is open, and no redemption fees as a primary cardholder

Redeem points for flights and other select options with Spirit partners

As long as your card account remains open, your points will not expire

Security & Features

Stay protected, contactless chip technology, balance connect ® for overdraft protection, paperless statement option, digital wallet technology, online & mobile banking, account alerts, fico ® score.

Now, when you opt-in you can access your FICO ® Score updated monthly for free, within your Mobile Banking app or in Online Banking. FICO ® Score Program . The FICO ® Score Program is for educational purposes and for your non-commercial, personal use. This benefit is available only for primary cardholders with an open and active consumer credit card account who have a FICO ® Score available. The feature is accessible through Online Banking, the Mobile website, and the Mobile Banking app for iPhone and Android devices. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Data connection required. Wireless carrier fees may apply." data-footnote="ADDITIONAL_BENEFITS_FOOTNOTE_07" aria-label="Footnote 5"> Footnote [5] Learn More about Free FICO Credit Score opens in a new window

Priority code: QAF18X

Schedule an appointment to apply in person

Connect one on one with a credit card specialist

Suggested companies

Allclear travel insurance, staysure travel insurance, avanti travel insurance.

Free Spirit Travel Insurance Reviews

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Reviews 4.7.

3,763 total

Most relevant

Holiday Insurance

Date of experience : 04 April 2024

Policy renewal: a very good experience

Date of experience : 05 April 2024

No age limit on Annual Travel Insurance…

Date of experience : 18 March 2024

The person I spoke to could not have…

Date of experience : 25 March 2024

Third trip with Free Spirit

Third trip with Free Spirit. Straightforward process. Reasonable premiums for traveller with health condition. Didn’t need to use customer helpline this time but they have been good in the past.

Date of experience : 05 March 2024

Outstanding Service.

Date of experience : 13 March 2024

Having received and accepted your…

Date of experience : 15 March 2024

Efficient service.

Efficient lady helped me through the process. I have used this company before and recommend them.

Date of experience : 03 April 2024

Good service

Date of experience : 11 March 2024

Hassle free experience.

Date of experience : 14 March 2024

Cancelling travel insurance because of change in plans

Date of experience : 05 February 2024

They listened and were really helpful

They listened and were really helpful. I managed to get travel insured with them and would use them again. I didn't have a claim so don't know what that experience would be like.

Very efficient company

What previously had taken us a 2 hour…

Date of experience : 01 February 2024

Patrica was most helpful

Helpful person on fone- online form not seamless for me

Date of experience : 26 January 2024

Great to be able to speak to someone in…

Great to be able to speak to someone in person especially instead of struggling online. Very helpful young man sorted all out very quickly

Date of experience : 08 March 2024

The important thing for me was that…

Date of experience : 22 January 2024

Had travel insurance before and was…

Had travel insurance before and was satisfied with the price of cover received. Contacted for insurance for this year and delighted with my cover. Reasonably priced, in fact couldn’t be bettered.

Date of experience : 20 May 2023

Hassle free travel insurance for people…

Date of experience : 13 February 2024

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Markets & Events

Australia Address Free Spirit C/o Fighting Chance / Avenue Level 1, 28 Rodborough Road Frenchs Forest NSW 2086 ABN: 38623852562

UK Address Free Spirit Ltd 3 Waterside Business Park Livingstone Road Hessle East Yorkshire HU13 0EG

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IMAGES

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Tips for buying medical travel insurance online
Free Spirit Travel Insurance
What does holiday and travel insurance cover?
Free Spirit Travel Insurance Reviews
Free Spirit Travel Insurance Reviews

COMMENTS

Free Spirit Travel Insurance
Cover for cruises included. Online medical screening, instant quotes and buy online. 'Super Duper' cover includes Extended Journey Disruption cover. Over 100 activities included free; 3 additional activity packs also available. Gadget Cover - up to £1,500 for loss or theft. Terminal conditions considered - call us on 02392 419 080.
Free Sprit
Travel Insurance is provided by Aneevo, a trading style of Just Insurance Agents Limited, which is authorised and regulated by the Financial Conduct Authority (FCA) number 610022 for General Insurance Distribution activities. Registered in England. Company No 05399196, Victoria House, Toward Road, Sunderland SR1 2QF. ...
Manage Your Free Spirit Points Mastercard Online
Sign in to your Free Spirit Points Mastercard account and enjoy rewards, rebates, and more. Manage your card online or with the mobile app.
How do I login to my Free Spirit® account?
Access to your Free Spirit account is available 24 hours a day, 7 days a week. Simply click here to login. You can also visit spirit.com and simply click on the table labeled "SIGN IN" at the top right hand of the screen.
Contact Free Spirit
24 hour Medical Emergency Assistance Service. Healix Medical Assistance Services. +44 (0)343 227 0843. Email: [email protected]. If you have any questions about your Free Spirit policy or want to know more information about our medical travel insurance services, contact Free Spirit today!
Free Spirit
Get Even More With Free Spirit® Credit Cards. As a Free Spirit® credit cardholder, you get even more benefits such as points pooling, earning more points on Spirit purchases, and much more. The Free Spirit Travel and Travel More card programs are only available in English. Therefore, all marketing content is only available in English.
Free Sprit
Free Spirit is a trading name of P J Hayman & Company Limited who are authorised and regulated by the Financial Conduct Authority. ... Registered Office: Stansted House, Rowlands Castle, Hampshire PO9 6DX. Registered in England - No. 2534965. Travel Insurance is provided by JustTravelcover.com - a trading name of Just Insurance Agents Limited ...
Single trip travel insurance by Free Spirit with no age limit
6. What is the maximum duration of a Free Spirit single trip holiday insurance policy? The maximum duration of any single trip is 115 days, or 45 days if you are aged 76 or more. If you are planning to travel for longer than 45 days and you are aged 76 or over, please call us on 02392 419 080. 7.
Annual Travel Insurance with Medical Conditions
Annual multi-trip travel insurance Specialist travel insurance for unlimited trips within any 12-month period. At Free Spirit, we aim to provide specialist travel insurance for people with any medical conditions, of any age, and for nearly any type of trip.If you are planning on travelling more than once in a year, you could save money through our annual travel insurance for existing medical ...
Free Spirit Travel Insurance Reviews
Free Spirit Manager, Mary Holt is a recognised expert in medical screening and in underwriting travel insurance for people with medical conditions. She joined Free Spirit in June 2000 and has extensive knowledge and experience helping people obtain cover for their medical conditions.
Spirit Airlines
Spirit Airlines. Spirit Airlines is the leading Ultra Low Cost Carrier in the United States, the Caribbean and Latin America. Spirit Airlines fly to 60+ destinations with 500+ daily flights with Ultra Low Fare.
Free Spirit travel insurance
Our specially designed policy gives free spirits the protection to travel with confidence - whatever their age or medical condition (s). Online quote. Or call Free Spirit directly at 02392 419080 - and say you were referred by the Encephalitis Society to access the appropriate policy for their needs.
Free Spirit Travel Insurance Reviews
Free Spirit Manager, Mary Holt is a recognised expert in medical screening and in underwriting travel insurance for people with medical conditions. She joined Free Spirit in June 2000 and has extensive knowledge and experience helping people obtain cover for their medical conditions.
Spirit Airlines
50,000 Bonus Points + $100 Flight Voucher online offer. Offers vary elsewhere. APPLY NOW. Spirit Airlines is the leading Ultra Low Cost Carrier in the United States, the Caribbean and Latin America. Spirit Airlines flies to 60+ destinations with 500+ daily flights with Ultra Low Fare.
Free Spirit® · Spirit Airlines Support
Spirit Airlines Support. Category. KA-01489. Print. Free Spirit®. Views: Free Spirit® is the fastest way to earn rewards and status. Learn more.
Free Spirit Travel Insurance Reviews
Free Spirit Manager, Mary Holt is a recognised expert in medical screening and in underwriting travel insurance for people with medical conditions. She joined Free Spirit in June 2000 and has extensive knowledge and experience helping people obtain cover for their medical conditions.
Free Spirit
Free Spirit was the first insurance of its type specifically created for people being refused cover elsewhere simply due to their health. In the last 20 years, Free Spirit has helped tens of thousands of people of all ages to obtain cover for their often much needed holiday. Get the freedom to travel, with confidence!
Free Spirit Travel Mastercard
The Free Spirit World Elite card is a perfect option for frequent Spirit flyers that want benefits like priority boarding and inflight discounts. Welcome Offer. 50,000 points. Annual Fee. $0 Introductory Fee for the first year. After that, $79. APR. 20.24% to 28.24% Variable. Credit Recommended.
Free Spirit Travel Insurance Review: Good for your Pre-Existing
You can do so by filling out one form to get quick quotes from Free Spirit and other specialist travel insurance providers. And customers rate Free Spirit with a score of 4.7 out of 5 stars on Trustpilot, which is quite a high score for an insurance provider. Over 65s: Free Spirit has no upper age limit, offering cover to travellers of all ages ...
Free Spirit® Travel More World Elite Mastercard®
Earn 3 points per $1 spent on eligible Spirit purchases. 2 points per $1 spent on eligible dining and grocery store purchases. 1 point per $1 spent on all other purchases. No limit to the points you can earn, no points expiration as long as your card account is open, and no redemption fees as a primary cardholder.
Free Spirit Travel Insurance Reviews
Free Spirit Manager, Mary Holt is a recognised expert in medical screening and in underwriting travel insurance for people with medical conditions. She joined Free Spirit in June 2000 and has extensive knowledge and experience helping people obtain cover for their medical conditions.
Free Spirit
Contact Us. Australia Address Free Spirit C/o Fighting Chance / Avenue Level 1, 28 Rodborough Road Frenchs Forest NSW 2086 ABN: 38623852562. UK Address