free spirit travel insurance reviews

Free Spirit Travel Insurance   Reviews

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Reviews 4.7.

3,762 total

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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 : May 20, 2023

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 : February 01, 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.

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

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 : January 22, 2024

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

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

.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

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

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

The price was rightt, but the website was a pain

The price was right, but the website was a pain. First two browsers I used would not let me pay. Seems like having security on the browser breaks their payment system. Would be better if a lack of secure settings stopped payment! And please use European dates on this website - transaction on 10 August, not 8 October.

Date of experience : August 09, 2023

Really easy application process

Really easy application process, price was a bit more than I expected, but still within my budget.

Date of experience : February 27, 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

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

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

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

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

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

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

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 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 .

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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.

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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Free Spirit Travel Insurance   Reviews

In the Travel Insurance Company category

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Reviews 4.7.

3,762 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

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

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

Efficient service.

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

Date of experience : 03 April 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

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

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.

Date of experience : 14 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

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.

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

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 : 24 March 2024

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.

Comprehensive response to my enquiry…

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

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

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

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

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 : 28 February 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 : 16 February 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

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Free Spirit Reviews

Choose from a variety of policies. Their 'Super Duper' cover includes end supplier failure and extended journey disruption cover.

• Service (0)
• Renewals (0)
• Sentiment Score: 10.0/10
• 3545 reviews found on websites such as TrustPilot
• Their Super Duper level of cover is rated 5 Star by Defaqto
• Cover for most pre-existing medical conditions and disabilities
• No upper age limit on single trip and annual multi-trip policies
• Specific cover for medical aids and prescribed medication
• Terminal conditions considered
• Reduced premiums for people without medical conditions on the same policy
• 24/7 Medical Emergency Helpline
• Rated 5 stars by Defaqto
• Claims (0),
• Service (0),
• Renewal (0)

Excellent Service

• Thought purchasing a policy was really easy
• Bought insurance with Free Spirit because of price
• Was neither happy or unhappy with their experience when they spoke to someone

Quotes our team received

Trip Details

7 nights in Spain

Single Trip Quote

Medical cover limit, cancellation cover limit.

Worldwide cover including USA

Annual Trip Quote

Frequently asked questions.

Free Spirit offers two levels of cover, including Single Trip and Multi-Trip with additional add-ons such as cruise cover and snow sports cover.

Free Spirit does not cover travel to a country, specific area or event which the Travel Advice Unit of the Foreign and Commonwealth Office (FCO) has advised against all travel or all but essential travel. For more information, visit the FCO website .

Yes. Free Spirit is a specialist travel insurance company for people with medical conditions and there is no age limit to who they’ll cover.

Free Spirit aims to respond within 5 working days of you submitting a claims form.

Travel Insurance Guides

Check out our insurance guides for more information

Free Spirit Travel Insurance Review

Everything you need to know before you buy travel insurance from Free Spirit!

The experts say:

For globetrotters looking for the perfect travel insurance policy, FreeSpirit Flex's Gold policy offers great coverage with a high score of 72% from Which? and a 5-star rating from Fairer Finance. With up to £10,000,000 in medical expenses cover, included airline failure protection, and baggage and cancellation cover of up to £2,500 and £5,000 respectively, this is a great choice for even the most far-flung destinations. Plus, with just a small excess of £50 payable on medical claims, your wallet will stay safe too!

What Free Spirit customers are saying right now:

• ✅Easy to contact and get a quote
• 💰Very reasonable prices
• 😊Excellent customer service
• 📝Straight forward process
• 🤗Helpful staff with good communication
• ⚠️ Expensive pricing
• 😤 Difficulty getting through on the phone
• 💰 Amendment fees for minor changes

Free Spirit customer reviews summary

Free Spirit travel insurance provides an easy and straightforward experience for customers, with competitive pricing and excellent customer service. In particular, their provision for older people is especially noteworthy. With quick response times, knowledgeable staff and reasonable prices, Free Spirit travel insurance looks like a great option for anyone looking to get covered on their next trip. Score: 9/10

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Free Spirit Travel Insurance   Reviews

In the Travel Insurance Company category

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Reviews 4.7.

3,762 total

Most relevant

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

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.

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 : 07 February 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

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

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 : 09 March 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 : 16 October 2023

.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 : 14 February 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 : 11 September 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 : 24 January 2024

The price was rightt, but the website was a pain

The price was right, but the website was a pain. First two browsers I used would not let me pay. Seems like having security on the browser breaks their payment system. Would be better if a lack of secure settings stopped payment! And please use European dates on this website - transaction on 10 August, not 8 October.

Date of experience : 09 August 2023

Really easy application process

Really easy application process, price was a bit more than I expected, but still within my budget.

Date of experience : 27 February 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 : 03 January 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 : 21 August 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 : 04 October 2023

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 : 29 January 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 : 08 December 2023

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 : 20 October 2023

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 : 21 February 2024

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 : 15 September 2023

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• Plan Your Trip
• Safety & Insurance

What Does Spirit Airlines Travel Insurance Cover

Published: December 18, 2023

Modified: December 28, 2023

by Blanch Ferrante

Introduction

Welcome to the world of travel insurance with Spirit Airlines! As you prepare for your next adventure, it’s essential to consider the potential unforeseen circumstances that could impact your trip. Spirit Airlines offers travel insurance to provide you with peace of mind and financial protection in case of unexpected events. Understanding the coverage offered by Spirit Airlines travel insurance can help you make informed decisions and ensure a smooth and worry-free travel experience.

Whether you’re embarking on a relaxing beach getaway, an adventurous hiking expedition, or a business trip, having travel insurance can safeguard you from various travel-related risks. From trip cancellations to baggage delays and medical emergencies, Spirit Airlines travel insurance is designed to mitigate the financial impact of these unforeseen events, allowing you to focus on enjoying your journey.

In this comprehensive guide, we will delve into the specifics of what Spirit Airlines travel insurance covers, empowering you to navigate the intricacies of travel protection with confidence. Let’s embark on a journey to explore the comprehensive coverage provided by Spirit Airlines travel insurance and discover how it can safeguard your travel experience.

What is Spirit Airlines Travel Insurance?

Spirit Airlines travel insurance is a valuable safeguard that provides coverage for a wide array of travel-related risks. When you purchase Spirit Airlines travel insurance, you are investing in protection against unforeseen events that could disrupt or impact your trip. This insurance is designed to offer financial reimbursement and assistance in various scenarios, ensuring that you can navigate unexpected challenges with greater ease and confidence.

By opting for Spirit Airlines travel insurance, you gain access to a range of benefits that can mitigate the financial repercussions of trip disruptions, medical emergencies, and other unforeseen incidents. Whether you encounter a flight cancellation, experience a medical emergency during your trip, or face luggage-related issues, having travel insurance can be invaluable in alleviating the associated financial burdens.

Spirit Airlines travel insurance is tailored to address the diverse needs of travelers, providing peace of mind and support throughout your journey. From trip cancellations and baggage delays to medical emergencies and travel inconveniences, this insurance serves as a safety net, offering reassurance and practical assistance when you need it most.

When you purchase Spirit Airlines travel insurance, you are making a proactive decision to protect your travel investment and well-being. With its comprehensive coverage and commitment to addressing travelers’ needs, Spirit Airlines travel insurance stands as a reliable resource for navigating the uncertainties of travel, allowing you to embark on your adventures with greater confidence and security.

Coverage for Trip Cancellation

One of the significant benefits of Spirit Airlines travel insurance is its coverage for trip cancellation. In the event that you need to cancel your trip due to unforeseen circumstances, such as illness, injury, or a family emergency, this insurance provides financial protection. If your trip is canceled for a covered reason, you may be eligible for reimbursement of non-refundable trip expenses, including airfare, accommodations, and other prepaid travel arrangements.

When unexpected situations arise, forcing you to cancel your travel plans, having coverage for trip cancellation can alleviate the financial burden and allow you to recoup a significant portion of your pre-paid expenses. This aspect of Spirit Airlines travel insurance offers peace of mind, knowing that you have a safety net in place to address unforeseen events that could disrupt your trip.

It’s important to review the specific terms and conditions of trip cancellation coverage, as certain reasons for trip cancellation may be excluded or require documentation to support the claim. Understanding the scope of coverage for trip cancellation empowers you to make informed decisions and ensures that you are prepared to navigate unexpected circumstances with greater ease.

By including coverage for trip cancellation in its travel insurance offerings, Spirit Airlines demonstrates its commitment to supporting travelers in mitigating the financial impact of unforeseen events. This aspect of the insurance serves as a valuable resource, providing reassurance and financial protection in the face of unexpected trip disruptions.

Coverage for Trip Interruption

Spirit Airlines travel insurance encompasses coverage for trip interruption, offering valuable protection in the event that your trip is disrupted after departure. If you encounter unforeseen circumstances during your trip that necessitate cutting it short, such as a family emergency or a significant travel delay, this coverage can provide financial assistance and support.

In the event of a covered trip interruption, you may be eligible for reimbursement of additional transportation expenses incurred to return home or rejoin your trip, as well as reimbursement for the unused, non-refundable portion of your travel arrangements. This aspect of the insurance serves as a crucial safety net, mitigating the financial impact of unexpected trip interruptions and enabling you to navigate such situations with greater ease.

Understanding the specific terms and conditions of trip interruption coverage is essential, as certain circumstances may be excluded or require documentation to support the claim. By familiarizing yourself with the details of this coverage, you can make informed decisions and ensure that you are equipped to address unforeseen events that could necessitate trip interruption.

With its comprehensive coverage for trip interruption, Spirit Airlines travel insurance demonstrates its commitment to supporting travelers throughout the entirety of their journeys. This aspect of the insurance provides peace of mind, knowing that you have financial protection in place to address unexpected trip disruptions and facilitate a smoother travel experience.

Coverage for Baggage Delay

Spirit Airlines travel insurance includes coverage for baggage delay, offering valuable assistance in the event that your checked baggage is delayed by the airline. This coverage is designed to mitigate the inconvenience and financial impact of baggage delays, providing support to help you address immediate needs while waiting for your belongings to be returned.

If your checked baggage is delayed for a specified period upon your arrival at your travel destination, you may be eligible for reimbursement of expenses incurred to purchase essential items, such as clothing and toiletries. This aspect of the insurance serves as a practical resource, alleviating the inconvenience of baggage delays and enabling you to manage the situation with greater ease.

Understanding the specific terms and conditions of baggage delay coverage is essential, as there are typically limitations on the eligible expenses and the duration of the delay required to qualify for reimbursement. By familiarizing yourself with the details of this coverage, you can make informed decisions and ensure that you are prepared to address potential baggage delays during your travels.

With its inclusion of coverage for baggage delay, Spirit Airlines travel insurance demonstrates its commitment to providing comprehensive support for travelers facing unexpected inconveniences. This aspect of the insurance offers peace of mind, knowing that you have financial assistance available to help you manage the impact of baggage delays and continue your travels with greater convenience and comfort.

Coverage for Emergency Medical Expenses

Spirit Airlines travel insurance encompasses coverage for emergency medical expenses, offering essential protection in the event that you require medical treatment during your trip. This coverage is designed to provide financial assistance for necessary medical services, helping to alleviate the potential burden of unexpected healthcare costs while traveling.

In the event of a covered medical emergency during your trip, such as an illness or injury that requires medical attention, this insurance can offer reimbursement for eligible medical expenses. These expenses may include hospital stays, emergency room visits, physician services, prescription medications, and other essential medical treatments required to address the unforeseen health issue.

Understanding the specific terms and conditions of coverage for emergency medical expenses is crucial, as there may be limitations on pre-existing conditions, coverage exclusions, and requirements for medical documentation. By familiarizing yourself with the details of this coverage, you can make informed decisions and ensure that you are prepared to address potential medical emergencies during your travels.

With its comprehensive coverage for emergency medical expenses, Spirit Airlines travel insurance demonstrates its commitment to supporting travelers’ well-being and providing peace of mind in the face of unforeseen health challenges. This aspect of the insurance offers valuable reassurance, knowing that you have financial protection in place to address unexpected medical needs while traveling.

Coverage for Emergency Medical Evacuation

Spirit Airlines travel insurance includes coverage for emergency medical evacuation, providing essential support in the event that you require emergency transportation to a medical facility or repatriation to your home country due to a serious medical condition or injury during your trip. This coverage is designed to offer financial assistance and logistical support in critical situations, ensuring that you can access necessary medical care and transportation services when faced with a medical emergency away from home.

In the event of a covered medical emergency that necessitates evacuation or repatriation, this insurance can facilitate and cover the expenses associated with arranging and coordinating the transportation, including air ambulance services, medically equipped flights, and ground transportation to medical facilities. Additionally, the coverage may extend to include expenses related to repatriation of mortal remains in the unfortunate event of a fatality.

Understanding the specific terms and conditions of coverage for emergency medical evacuation is crucial, as there may be limitations on the covered reasons for evacuation, coordination procedures, and requirements for medical certification. By familiarizing yourself with the details of this coverage, you can make informed decisions and ensure that you are prepared to address potential medical emergencies that require evacuation or repatriation.

With its inclusion of coverage for emergency medical evacuation, Spirit Airlines travel insurance demonstrates its commitment to providing comprehensive support for travelers facing critical medical situations while away from home. This aspect of the insurance offers valuable reassurance, knowing that you have financial and logistical assistance available to facilitate emergency medical transportation and ensure access to appropriate medical care during your travels.

Coverage for Travel Delay

Spirit Airlines travel insurance includes coverage for travel delay, offering valuable support in the event that your trip is delayed due to unforeseen circumstances, such as inclement weather, airline mechanical issues, or other unexpected events. This coverage is designed to mitigate the inconvenience and financial impact of prolonged travel delays, providing assistance to help you manage the situation and resume your journey with greater ease.

If your trip is delayed for a specified period due to a covered reason, you may be eligible for reimbursement of additional expenses incurred during the delay, such as meals, accommodations, and transportation. This aspect of the insurance serves as a practical resource, alleviating the inconvenience of extended travel delays and enabling you to navigate the situation with greater comfort and financial support.

Understanding the specific terms and conditions of coverage for travel delay is essential, as there are typically limitations on the covered reasons for delays, the duration of the delay required to qualify for reimbursement, and the eligible expenses. By familiarizing yourself with the details of this coverage, you can make informed decisions and ensure that you are prepared to address potential travel delays during your journeys.

With its comprehensive coverage for travel delay, Spirit Airlines travel insurance demonstrates its commitment to providing support for travelers facing unexpected disruptions to their travel itineraries. This aspect of the insurance offers peace of mind, knowing that you have financial assistance available to help you manage prolonged travel delays and continue your journeys with greater convenience and comfort.

Coverage for Accidental Death and Dismemberment

Spirit Airlines travel insurance includes coverage for accidental death and dismemberment, providing essential protection in the event of a tragic accident during your trip. This coverage is designed to offer financial assistance and support to you or your beneficiaries in the event of an unforeseen accident resulting in loss of life, limb, sight, speech, or hearing.

In the unfortunate event of an accidental death or dismemberment during your trip, this insurance can provide a benefit payment to the designated beneficiaries or the affected individual, offering financial support to help address the associated challenges and expenses. The coverage may extend to include benefits for loss of life, limb, sight, speech, or hearing due to covered accidents that occur while traveling.

Understanding the specific terms and conditions of coverage for accidental death and dismemberment is crucial, as there may be limitations on the covered scenarios, benefit amounts, and eligibility criteria. By familiarizing yourself with the details of this coverage, you can make informed decisions and ensure that you are prepared to address potential unforeseen accidents during your travels.

With its inclusion of coverage for accidental death and dismemberment, Spirit Airlines travel insurance demonstrates its commitment to providing comprehensive protection for travelers, addressing the potential financial impact of tragic accidents during trips. This aspect of the insurance offers valuable reassurance, knowing that you or your loved ones have financial support available in the event of an unforeseen and tragic accident while traveling.

As you embark on your travel adventures with Spirit Airlines, understanding the comprehensive coverage provided by Spirit Airlines travel insurance is crucial for ensuring a smooth and secure journey. From trip cancellations and baggage delays to medical emergencies and unforeseen accidents, the insurance offers a safety net to mitigate the financial impact of unexpected events, providing valuable support and peace of mind throughout your travels.

By familiarizing yourself with the specific details of each coverage, including trip cancellation, trip interruption, baggage delay, emergency medical expenses, emergency medical evacuation, travel delay, and accidental death and dismemberment, you can make informed decisions and prepare for potential challenges that may arise during your trip. This proactive approach empowers you to navigate unforeseen circumstances with confidence, knowing that you have the necessary financial protection and assistance at your disposal.

As you plan your travels, consider the potential risks and uncertainties that could impact your trip, and evaluate how Spirit Airlines travel insurance can serve as a valuable resource in addressing these challenges. Whether you’re embarking on a leisurely vacation, a business trip, or a family getaway, having travel insurance can provide peace of mind and support, allowing you to focus on creating lasting memories and enjoying your travel experiences to the fullest.

Ultimately, Spirit Airlines travel insurance stands as a reliable companion for travelers, offering comprehensive coverage and dedicated support to address a wide range of unforeseen events. By prioritizing your well-being and financial security, Spirit Airlines travel insurance enhances the overall travel experience, ensuring that you can navigate potential challenges with greater ease and confidence, allowing you to make the most of your journeys with peace of mind.

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Free Spirit Travel Insurance   Reviews

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Reviews 4.7.

3,762 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

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

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

Efficient service.

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

Date of experience : 03 April 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

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

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.

Date of experience : 14 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

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.

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

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 : 24 March 2024

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.

Comprehensive response to my enquiry…

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

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

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

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

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 : 28 February 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 : 16 February 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

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Free Spirit Travel Insurance   Reviews

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Reviews 4.7.

3,762 total

Most relevant

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 : May 20, 2023

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 : February 01, 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.

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

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 : January 22, 2024

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

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

.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

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

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

The price was rightt, but the website was a pain

The price was right, but the website was a pain. First two browsers I used would not let me pay. Seems like having security on the browser breaks their payment system. Would be better if a lack of secure settings stopped payment! And please use European dates on this website - transaction on 10 August, not 8 October.

Date of experience : August 09, 2023

Really easy application process

Really easy application process, price was a bit more than I expected, but still within my budget.

Date of experience : February 27, 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

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

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

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

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

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

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

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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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Free Spirit Travel Insurance   Reviews

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Free Sprirt really went out there way…Final trip to the Med

Free Sprirt really went out there way to get me covered to travel with a brain tumour and between Cemo sessions, and where more competitive then others which had non affordable prices in the 1000s not 100s for a 5 day break.

Date of experience : 06 October 2023

Nothing wrong with this company the…

Nothing wrong with this company the lady i dealt with was in fact extremely helpful

Date of experience : 05 February 2024

Personal touch

The lady we spoke to was extremely helpful and went through the policy with a fine toothcomb, as we oldies found it difficult filling in details on line

Date of experience : 02 November 2023

Easy procedure and very competitive…

Easy procedure and very competitive price. This is my go-to provider for travel insurance.

Date of experience : 19 February 2024

Simple easy to follow quotation site

Simple easy to follow quotation site, great price considering my health conditions And piece of mind that I am covered for my vacation Thankyou

Date of experience : 28 September 2023

Change of Insurer

It was very easy to obtain a quotation on line. There was an immediate response. I had a query and this was resolved immediately by the Customer Service team. Documentation was provided immediately the policy commenced. Best of all - the premium showed a reduction on my previous insurer whose level of service I found unsatisfactory.

Date of experience : 01 November 2023

Very lovely lady done the medical…

Very lovely lady dine the medical screening. She was so helpful n polite. I really liked her. It was a good policy n reasonable price n covered all my sons heart conditions.

Date of experience : 26 September 2023

Consise, clear and helpful

Date of experience : 21 March 2024

Easy site to navigate

Easy site to navigate. Good comprehensive cover. From experience in 2014, no quibble when had to cancel holiday through medical situation on day of departure. Recommend.

Date of experience : 09 February 2024

Best experience ever!

My call was answered before the recorded message finished. Very pleasant, efficient lady talked us through the medical declaration. Completed in 30 minutes. A very positive experience unlike most others.

Date of experience : 15 January 2024

Great site with nice and straight forward wording

Always a great site to buy my Hol Ins from having a pre-existing medical condition. Very reasonable cover and prices.

Date of experience : 19 January 2024

Had a little problem due to a ‘senior moment’

Had a little problem on web site, my fault not the site so had to phone a couple of times. On both occasions the gentlemen I spoke to were extremely kind and helpful.

Date of experience : 24 November 2023

I found it easy to fill out the form

I found it easy to fill out the form, and had clear help when I needed to phone to make further enquiries

Date of experience : 16 January 2024

Easy to find your way through the website, even when you have issues it is easy to make contact with the customer support team and they are really helpful.

Date of experience : 11 September 2023

A pleasant experience with professional staff

I think the very pleasant Tricia at Free Spirit, who guided me through the questions with understanding, professionalism and humour, and made it a pleasant experience rather than a chore. Of course the reasonable price was a factor

Date of experience : 28 August 2023

Easy to use despite complicated medical…

Easy to use despite complicated medical diagnosis Reasonably priced Does take a little while to go through but not unreasonable considering the medical conditions that has to be input and screened

Date of experience : 17 October 2023

Good for wrinklies

Easy process of getting a quote online. Helpful staff available for phone support if needed. Straightforward and pain free.

Date of experience : 13 August 2023

Very quick and straightforward

Very quick and straightforward, all done in 15 minutes.

Date of experience : 18 March 2024

Very helpful advisor

Very helpful advisor. Medical conditions covered. Airline disruption covered. Policy included cruise cover. A pleasant experience as opposed to other companies contacted. Telephone can be busy but company will call you back.

Date of experience : 29 August 2023

Getting to speak to someone…Ethan was most helpful.

Getting to speak to someone instantly,no annoying numbers to choose from.

Date of experience : 15 February 2024