Free Spirit Travel Insurance Review

Free Spirit  Travel Insurance Review

Free Spirit Travel Insurance Review

Reviewed by:

I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of Free Spirit Travel Insurance plus compare prices and cover on the same site.

And you'd be right! Because that's exactly what we found.

Once you have read this review and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Free Spirit and who underwrites their policies?

Free Spirit Travel Insurance in the online trading name of P J Hayman and Company a specialist Travel Insurance and Schemes provider founded in 1990. Their website states they are one of the first companies to be able to offer travel insurance to customers with medical conditions. P J Hayman also own and operate 24/7 Travel Insurance.

The policies are underwritten by Union Reiseversicherung AG who are authorised in Germany by BaFin and subject to limited regulation in the United Kingdom by the Financial Conduct Authority and in the Republic of Ireland by the Insurance Regulator. Union Reiseversicherung AG are members of the Financial Services Compensation Scheme.

We suggest reading the 16 page booklet carefully to make sure that you are fully covered. You can use our review and price comparison to help you.

Free Spirit Travel Insurance Policies are Underwritten By URV

How Free Spirit Travel Insurance's Policies have been ranked using our star rating formula?

Click on the blue bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Free Spirit Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 2 Single Trip Policies from Free Spirit Travel Insurance, they are Super Duper, Super, we have rated these as follows:-

Rating for Single Trip Super Duper:

Rating for Single Trip Super:

Single Trip Travel Insurance Guide here
Free Spirit Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
Free Spirit Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 2 Annual Policies from Free Spirit Travel Insurance, they are Super, Super Duper, we have rated these as follows:-

Rating for Annual Super:

Rating for Annual Super Duper:

Annual Travel Insurance Guide here
Free Spirit Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Free Spirit Travel Insurance Review
  • Five star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Cancellation cover is above the level of the market average
  • Other Core Sections of cover are either at or above the levels of the market average.
  • Secondary sections of cover are either at or above the levels of the market average.
  • Five star policies provide additional cover benefits over and above standard policies.
  • Five star policies include scheduled airline and/or end supplier failure as standard.
  • Five star policies include natural catastrophe cover, either as standard, or as an option.
  • Premiums are the most competitive in relation to the cover provided.
  • Have clear and consumer friendly, policy wording and explanations of cover.
  • The alcohol exclusion is more customer friendly than the market average.
  • The standard excess is below the level of the market average.

  • Four star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Four star policies have cancellation cover at or above the market average.
  • Four star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four star policies may provide additional cover benefits.
  • Four star policies may not automatically include cover for scheduled airline or end supplier failure.
  • Premiums are competitive in relation to the cover provided.
  • Have clear and consumer friendly policy wording and explanations of cover.

  • Three star policies cover all Primary (core) Sections, but may not offer baggage and money cover as standard.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies may have some secondary covers lower than the market average.
  • Three star policies may not provide scheduled airline/end supplier failure cover, or only offer it as an option.
  • The Insurer, may not provide quotations across the full range of scenarios tested.
  • The standard excess may be higher than the market average.

  • Two star policies generally provide cover that is below the market average and/or have Primary (core) and Secondary sections of cover missing from their policies.
  • Two star policies may not offer baggage/money cover.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess is higher than the market average.
  • The Insurer may not provide quotation across the full range of scenarios tested
  • Policy wordings may not be as consumer friendly as other Insurers

16 Key Points you need to know about Free Spirit Travel Insurance's travel policy wording

1

What is the age/classification of a child on the policy?

Your children, under the age of 18 on the date you purchase your policy, must travel with an adult, insured under this policy.

2

What are the policy age limits?

At time of purchase:-

Single Trip Policies: no upper age limit

Annual Multi-Trip policies: no upper age limit

3

What are the policy Trip Duration limits?

Single Trip, Trip Duration is a maximum of 94 days, restricted to 45 days if you are aged 76 or over.

Annual Trip, Trip Duration per trip is 31 days on Super Cover, this is extended to 45 days on Super Duper Cover

4

What does the policy offer for Winter Sports cover?

Winter Sports Cover can be included on policy with payment of the appropriate additional premium. 

wintersports means on-piste skiing/snowboarding in recognised areas (including off-piste when accompanied by a guide or instructor and provided you are not skiing against local recommendations or where avalanche warnings have been given), cross country skiing, ice skating, mono-skiing, sledging and tobogganing. 

Read the policy for details of the cover available

 

5

What is classed as a family and how many people can be quoted for?

A policy can be taken out by up to 10 people, including couples and families.

Family means parents or grandparents (up to a maximum of two adults) and their children or grandchildren.

Note there is no premium discount for more than one person insuring themselves under the same policy.

6

What are the policy rules on reciprocal health agreements (EHIC, Medicare)?

EHIC mandatory if travelling to the EU. If you are travelling to Australia you must register with Medicare on arrival.

7

What is covered under Sports and Activities on the policy?

Check the policy schedule, there are over 70 activities listed and included as standard.

Important note Beach Swimming or surfing, is not mentioned in the list of acceptable acitivities. If this is something you might take part in during the course of your holiday, we recommend contacting the Insurer for clarification.

It is important that you check the list of activities before purchasing your travel insurance to ensure you are covered.  If you are unsure, it’s a good tip to gain approval in writing from your insurance provider.

8

What are the policy Alcohol Exclusion terms?

Policy states “You, your travelling companion, close relative or business associate being under the influence of:-  drugs (except those prescribed by your registered doctor but not when prescribed for treatment of drug addiction); alcohol (a blood alcohol level that exceeds 0.19%  approximately four pints or four 175ml glasses of wine); solvents, or;  anything relating to you or your close relatives or business associate prior abuse of alcohol or solvents.

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Available on the Super Duper Policy only

10

Does the policy cover Pre-Existing Medical Conditions and can I get a quote online?

Online Medical screening is available for any pre-existing medical conditions, saving you the time and hassle of having to phone up, or take a policy that excludes conditions.

Any pre-existing medical condition that has not been declared and accepted in writing by the insurer will not be covered.

11

What are the policy rules on travelling when pregnant?

Policy States “Our policies include emergency medical expenses cover for pregnancy and childbirth from week 0 to week 28 inclusive whilst you are away. From the start of week 29 to week 40 of the pregnancy, there is no cover for claims relating to normal pregnancy and normal childbirth or cancellation, however, medical expenses and cancellation cover will be provided if any of the following complications arise: Toxaemia, Gestational hypertension, Ectopic pregnancy, Post-partum haemorrhage, Pre-eclampsia, Molar pregnancy or hydatidiform mole, Retained placenta membrane, Placental abruption, Hyperemesis gravidarum, Placenta praevia, Stillbirth, Miscarriage, Emergency Caesarean, A termination needed for medical reasons, Premature birth more than 12 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date.”

12

Will I be covered if I want to do Manual Work or Bar Work or other work while I am on holiday?

Listed under activities - Manual Labour is excluded except for those listed in included activities ? e.g Bar Work, Animal Sanctuary (non big game). If your plan is for specific work, it is always best to contact the insurance provider and obtain written acceptance that your planned type of work is allowed under the policy.

13

Do I need original receipts for lost baggage if I need to claim on the policy?

Receipts are required in the event of a claim for lost or delayed items.

It would be sensible to keep receipts of any new clothes/property purchased for your holiday. If in doubt as to whether you have cover for a specific item, please contact the Insurance Provider for clarification prior to taking out insurance.

14

What does the policy cover in the event of war, terrorism or cyber attack?

Claims relating to cyber events are excluded. Terrorism is also excluded In respect of all sections other than emergency medical expenses, war, terrorism, biological or chemical warfare, invasion, act of foreign enemy, hostilities (whether war has been declared or not), civil  war, rebellion, revolution, insurrection or military or usurped power.

15

Does the policy cover for a natural disaster or catastrophe when I am on holiday?

Available on both Super and Super Duper Policies

16

Do I have to be a UK resident to be covered under this policy?

You and all other insured persons must be a resident of the United Kingdom, Channel Islands or British Forces Posted Overseas.

Free Spirit 's 'User Friendly' Rating

That's Insurance have reviewed Free Spirit 's Policy Wording, Website and Quote System and given each a 'User Friendly' rating. This will tell you how easy it is for you, to read, navigate and purchase policies on their website. We've split this into three gauges which show where Free Spirit rates compared to the average Insurance Provider on our site. The higher the percentage, the easier you should find it to navigate each of these areas.

Policy

(plain english, easy to follow & understand)

Policy Guage Score Loading

Website

(user friendly, easy to navigate and find help)

Website Guage Score Loading

Quote System

(speed, ease of use, flow and display of cover)

Quotes Guage Score Loading

Pro's and Con's for Free Spirit Travel Policies

We've highlighted Pro's anc Cons for Free Spirit , click on the blue bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by Free Spirit Travel Insurance.

  • No age limit on single or annual multi-trip policies
  • Many Pre existing medical conditions can be underwritten during the quotation process
  • Super Duper cover has been awarded our five star rating
  • Super Duper cover includes scheduled airline failure, travel distruption and catastrophe cover as standard

No Con's

What Cover do Free Spirit policies offer.

We've listed below cover levels for policies offered by offered by Free Spirit Travel Insurance To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Super Duper

    Single Trip

    Super

    Single Trip

    Super

    Annual

    Super Duper

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    50

    100

    100

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    15,000,000

    5,000,000

    5,000,000

    15,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    5,000

    2,500

    2,500

    5,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    20,000

    10,000

    10,000

    20,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    3,000

    1,500

    1,500

    3,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    500

    300

    300

    500

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    750

    500

    500

    750

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    1,000

    500

    500

    1,000

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    50,000

    25,000

    25,000

    50,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,500

    1,000

    1,000

    1,500

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    400

    200

    200

    400

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    5,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    250

    150

    150

    250

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    240

    120

    120

    240

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,500

    750

    750

    1,500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    500

    500

    500

    500

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    2,500

    2,500

    2,500

    2,500

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    2,500

    0

    0

    2,500

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    3,000

    750

    750

    3,000

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

Sample Quotes from Free Spirit Travel Insurance.

Listed below are some Sample Quotes offered by Free Spirit Travel Insurance (or click 'Compare Now' button to compare their quotes with every insurance provider).

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 50 - 59

Trip Days: 7

Free Spirit  Travel Insurance Review
That's Insurance Rating

Customer Rating

Super Duper

50

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 5,000

Missed Departure 1,500

Delayed Departure 240

Baggage 3,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 50,000

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 71 - 75

Trip Days: 21

Free Spirit  Travel Insurance Review
That's Insurance Rating

Customer Rating

Super Duper

50

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 5,000

Missed Departure 1,500

Delayed Departure 240

Baggage 3,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 50,000

Single Trip

Worldwide (Excluding USA & Canada)

Couple

Age: 30 - 39

Trip Days: 14

Free Spirit  Travel Insurance Review
That's Insurance Rating

Customer Rating

Super

100

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 2,500

Missed Departure 750

Delayed Departure 120

Baggage 1,500

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide (Excluding USA & Canada)

Family

Age: 50 - 59

Trip Days: 365

Free Spirit  Travel Insurance Review
That's Insurance Rating

Customer Rating

Super Duper

50

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 5,000

Missed Departure 1,500

Delayed Departure 240

Baggage 3,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Worldwide (Excluding USA & Canada)

Individual

Age: 18 - 29

Trip Days: 365

Free Spirit  Travel Insurance Review
That's Insurance Rating

Customer Rating

Super

100

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 2,500

Missed Departure 750

Delayed Departure 120

Baggage 1,500

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Europe

Couple

Age: 50 - 59

Trip Days: 365

Free Spirit  Travel Insurance Review
That's Insurance Rating

Customer Rating

Super Duper

50

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 5,000

Missed Departure 1,500

Delayed Departure 240

Baggage 3,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 50,000

How to Buy Travel Insurance from Free Spirit Travel Insurance

Click on the website link to go directly to the insurance providers website, alternately click the button to compare all policies now from all providers.

Current Discount Codes for Free Spirit - No Current Discount Codes

Visit Free Spirit Travel Insurance's Website and Get a Quotation direct

Customer Reviews of Free Spirit Travel Insurance

No Customer Reviews Found

We hope that you have found this Free Spirit Travel Insurance Review helpful. If you have experience of Free Spirit Travel Insurance, please do leave a Customer Review, these ratings are searchable and will help others make an informed choice.

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