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Free Spirit Travel Insurance Reviews 4,083

TrustScore 5 out of 5

4.8

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers appreciate the excellent service, noting the prompt phone answering and the pleasant, helpful staff. Consumers found the insurance details clear and were satisfied with the handling of medical information and queries. People also highlighted the competitive prices and comprehensive coverage for pre-existing medical conditions. The user-friendly website and efficient online quotation and purchase processes were well-received. Reviewers felt the staff were well-trained, patient, and provided valuable assistance. The straightforward claim procedure and efficient handling of claims, even during difficult times, were also appreciated. Overall, customers express confidence in the company's service and the peace of mind it provides.

Based on these reviews

Rated 5 out of 5 stars

After looking at online travel insurance and trying to tick boxes in order to explain various health issues, I was a bit confused. I contacted Free Spirit Travel insurance as suggested by my friend... See more

Rated 5 out of 5 stars
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Spoke with a real human being! The whole experience was very thorough and the person in customer relations was very helpful and knowledgeable. He guided me through the process with patience and helpfu... See more

Rated 5 out of 5 stars
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For those of us with complex medical histories, be reassured over feeling anxious about having to tell it all to someone that Free Spirit Travel co. were so kind, understanding, thorough with explaini... See more

Company replied

Rated 5 out of 5 stars
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Neil was particularly helpful with us and exercised great patience when helping us to complete our medical information. He also did his best to give the insurance that we needed and not the most expe... See more

Rated 4 out of 5 stars
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Very efficient phone contact. However, I found it impossible to fill in the medical information when I tried to do it online first.

Rated 3 out of 5 stars
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Received a renewal notice, so rang Free Spirit to hopefully let them know a couple of minor changes to our current health situations over the phone. Had to complete a full Medical Screening again, ev... See more

Rated 4 out of 5 stars
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The insurance met my needs at a reasonable cost. My main criticism is the Policy Document was quite hard to find my way around to check the product covered what I wanted. It could be made much more u... See more

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Rated 4 out of 5 stars
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Always very efficient and system easy to use. However, I did raise a query with a lady on the support desk about need to complete the full medical screen again. I only returned from the USA 2 weeks ag... See more

Rated 5 out of 5 stars
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Laura was very helpful in dealing with my enquiry and while asking the many medical questions explained those which were unclear. Altogether an efficient experience. I used to deal with Cope's of Chea... See more

Rated 4 out of 5 stars
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Very good contact. No rush but helped through the various health problems. Courteous and respectful.

Rated 5 out of 5 stars
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The Straightforward application process made it easy to arrange my insurance. I feel reassured that I’m covered if I need it due to having pre existing health conditions. I have peace of mind whic... See more

Rated 5 out of 5 stars
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I phoned to renew my travel insurance. I was taken carefully through the questions, getting valuable help when some questions didn't have simple answers. Essential statements were read out slowly an... See more

Rated 5 out of 5 stars
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This company's online application process is so slick. It was very easy and quick to buy travel insurance despite us being in our 70's and having to declare that my wife has recently been treated for... See more

Rated 5 out of 5 stars
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Really great travel insurance. Easy to set up and covers everything I need. Very flexible with the ability to enhance if needed. Very helpful customer service.

Rated 5 out of 5 stars
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We have used Free Spirit travel insurance many times and have always been satisfied. They have always helped us get the correct insurance for our medical conditions.

Rated 5 out of 5 stars
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Service from your advisor was 100% why doesn't Martin Lewis recommend your company?? Already sent your details to four other people Many thanks

Company replied

Rated 5 out of 5 stars
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Very helpful and efficient we have used them for many years. A couple of times we have had to cancel our holiday with ill health and they have always paid our claim quickly. I would recommend them to... See more

Rated 5 out of 5 stars
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Limitless really do take the stress out of organising a holiday ! They are an EXCELLENT company to deal with, so friendly and efficient !

Rated 5 out of 5 stars
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Friendly, yet professional call handlers. Good value cover compared to other providers. Also Unlike a lot of other providers they will cover you if you have a medical condition and with reasonable pre... See more

Rated 5 out of 5 stars
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They were quick and easy to deal with and ensured that the insurance was tailored to my requirements and reasonably priced

Rated 5 out of 5 stars
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I tried a few companies, as we are going on a cruise, you came out the best for putting in details of all countries we shall be visiting, the other companies kept rejecting my input, we did get insura... See more

Rated 5 out of 5 stars
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They are a very professional knowledge friendly and trustworthy Co to deal with I have used them several times before always very happy with there service.

Rated 4 out of 5 stars
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Always use this Company for travel insurance as I have a few medical issues. Staff always helpful.

Rated 5 out of 5 stars
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Good explanation, maybe a little over the top, but very clear and concise.

Rated 5 out of 5 stars
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Amazing service during what must have been one of the most difficult years for travel insurance firms. Brilliant customer services from day of purchase through to needing to make a claim due to covid... See more

Rated 5 out of 5 stars

We have used Free Spirit Travel Insurance for a few years but until this year have never had to make a claim. Because of Corona Virus our holiday rental villa had to be cancelled. The claim procedur... See more

Rated 5 out of 5 stars
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Easy to use and robust website quotation and purchase processes, very extensive cover, clear policy wording and simple to download documentation. Good value even though not necessarily the cheapest. T... See more

Rated 4 out of 5 stars
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I have been with Free Spirit for 7 years since my cancer treatment. I appreciate being able to speak to them on the phone so that any queries about the scanning questions can be resolved easily. The... See more

Rated 5 out of 5 stars
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I'm over 70 and after searching for a reasonably priced travel insurance policy, bought Free Spirit Super Duper Annual World Wide Travel Insurance in 2018 for a trip to America. Unfortunately we had t... See more

Rated 4 out of 5 stars
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It's difficult to give a genuine review as there was no need to make a claim or raise any queries. 'The rubber hits the road' when claims arise and I hope that a continued use of Free Spirit will alw... See more

Rated 3 out of 5 stars
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The operator got the answer to one question wrong. I said "Yes, I could easily walk 200 yards". She recorded No. That would have cost me £45 if I had not spotted it. The NICE committee require that a... See more

Company replied

Rated 3 out of 5 stars
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Took out a second travel policy in a matter of weeks. Medical conditions had not changed but had to go through a full re-application and questionnaire. Seems to be a little over the top on process a... See more

Rated 5 out of 5 stars
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Found Free Spirit through price comparison site, but bought direct from their own site as all answers I needed before purchasing where clearly available & price just the same. Good cover for over 70... See more

Rated 5 out of 5 stars
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Had a few attempts to get through on phone but once through to an adviser it was a lovely service. She actually got a reasonable quote than what was quoted online. I am 80 years old with diabetes an... See more

Rated 3 out of 5 stars
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Easy to book - covered my health problems etc. and reasonably priced, but although I managed to print of my Insurance Schedule, I could not then get back to the other things I wanted to print off fr... See more

Company replied

Rated 3 out of 5 stars

I purchased insurance on Friday 24th July but despite several phone calls to them and being told its a computer problem, I still have no policy documents, 2nd august. All I have at present is a payme... See more

Company replied

Rated 4 out of 5 stars
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We are very pleased with this travel insurance, and our telephone contact with Free Spirit. However, the downside is that we could not retrieve the quotation. We did report this, but have heard noth... See more

Company replied

Rated 5 out of 5 stars
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Excellent service , phones answered straight away,very pleasant staff and clear details about insurance . Help with going through medical details and all questions answered and queries dealt with .Can... See more

Rated 4 out of 5 stars
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The terms and conditions of the FSTI Policy are suited to our requirements - both 70+ and my wife with medical history viz: hip surgery. Thankfully, we have not had to make any claims to date... See more

Rated 5 out of 5 stars
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The speed with which they answer the phone is remarkable, and the staff are well trained, helpful, and patient. Their prices are competitive and they covered us for our pre-existing medical conditions... See more

Rated 4 out of 5 stars
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Purchasing through the website was easy. It appears there is a format that insurers follow. Free Sprit was one of the few companies that would insure me with health issues although the premium was h... See more

Rated 5 out of 5 stars
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Once you get past 70, travel insurance is near impossible to get. I had spent weeks and weeks trying to arrange cover for our trip to Japan and Australia and was fortunately directed to Free Spirit. W... See more

Rated 4 out of 5 stars
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I have been a longstanding customer of Free Spirit but I am wondering why your costs are more expensive than other comparable insurers. I have confidence in your products but wonder if there is some... See more

Company replied

Rated 5 out of 5 stars
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phoned FST to arrange travel insurance as I am over 80.Mycall answered very quickly by matt who asked me the usual medical questions. After consulting his manager on a problem he phoned me back as pr... See more

Rated 5 out of 5 stars
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Very easy to get a quote online considering i have a few existing medical problems. I didn’t actually speak to anyone. However, this is the second year ive used Free Spirit and, touch wood, have not... See more

Rated 5 out of 5 stars
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This is the third year I have arranged annual travel insurance for us both through Free Spirit. The system for receiving the documents has changed this year which I didn’t know (last year they were em... See more

Rated 5 out of 5 stars
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The Agent very clearly explained the different standards of cover I could purchase and was helpful and precise. The final documents were emailed to me at the end of the call and appeared to be everyth... See more

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Company details

  1. Travel Insurance Company
  2. Insurance Agency
  3. Insurance Company

Written by the company

Free Spirit is all about providing travel insurance for people who don't want their health to stop them travelling. Our specially designed policy will give you peace of mind protection. So whatever your age or medical condition, make sure you get the cover you need before you travel. We now also have a cruise specific policy option so you can get cover for the things you need most. It includes missed embarkation, ship-to-shore repatriation and more. We are a part of the travel insurance company P J Hayman who have been offering travel insurance solutions since 1990. That's 35 years of travel insurance experience. Let us help you to travel, with confidence.

Free Spirit Travel Insurance - gives you the freedom to travel

Written by the company

Free Spirit 'Super Duper' level of cover is rated 5 Star by Defaqto
This means it provides one of the highest quality offerings on the market
MOST MEDICAL CONDITIONS AND DISABILITIES COVERED
Free Spirit was the first scheme of its type specifically dedicated to those being declined cover elsewhere due to their health. We are one of the UK's largest specialist travel insurance providers for people with medical conditions and disabilities.
NO AGE LIMIT
Single Trip and Annual Multi-trip cover have no age limit giving you the freedom to travel whatever your age.
ONLINE MEDICAL SCREENING, INSTANT QUOTES AND IMMEDIATE COVER
We'll ask you some questions about your medical conditions so that you get the cover that is right for you. For people with more complex medical conditions you may not be able to tick all the boxes as part of the online medical screening, this is where we offer a specialist person to person medical screening service on the telephone.
PEACE OF MIND INCLUDED
Should the unexpected happen while travelling abroad, by covering your medical condition(s) with Free Spirit will ensure you have the peace of mind protection you need.
COVER FOR THE WHOLE TRAVELLING PARTY
We also cover people without medical conditions at reduced premiums to ensure your friends, family, carers and travelling companions are fully covered as well.
SPORTS AND ACTIVITIES
You are automatically covered for over 80 different sports and activities free of charge when participating on an amateur basis.
UK CUSTOMER SERVICES
Our experienced and friendly customer services & claims teams are based in Rowlands Castle, Hampshire. They are on hand to help with any query you may have and the offices are open Mon to Fri 9am-5pm and closed Bank Holidays.
CRUISE SPECIFIC COVER
We have introduced a cruise specific policy cover option meaning you can get covered for missed embarkation, ship to shore repatriation and more.

Contact info

4.8

Excellent

TrustScore 5 out of 5

4K reviews

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Replied to 100% of negative reviews

Typically replies within 24 hours


Rated 5 out of 5 stars
Invited

Helpful telephone call

After trying to complete travel insurance online, I was unable to proceed with payment. Phoned helpline number and young lady helped me complete it. Reasonable prices.

October 15, 2025
Rated 5 out of 5 stars
Invited

I tried a few companies

I tried a few companies, as we are going on a cruise, you came out the best for putting in details of all countries we shall be visiting, the other companies kept rejecting my input, we did get insurance through you's last year for a cruise, so thank you

October 2, 2025
Rated 5 out of 5 stars
Invited

The Agent was so helpful

The Agent very clearly explained the different standards of cover I could purchase and was helpful and precise. The final documents were emailed to me at the end of the call and appeared to be everything I required.

September 23, 2025
Rated 5 out of 5 stars
Invited

Great service

They were quick and easy to deal with and ensured that the insurance was tailored to my requirements and reasonably priced

September 22, 2025
Rated 5 out of 5 stars
Invited

Great insurance quote

Spoke with a real human being! The whole experience was very thorough and the person in customer relations was very helpful and knowledgeable. He guided me through the process with patience and helpful advice. With multiple health issues I was pleasantly surprised by the quote I received and will definitely continue to use Free Spirit.

September 15, 2025
Rated 5 out of 5 stars
Invited

Superb Travel Insurance

Really great travel insurance. Easy to set up and covers everything I need.
Very flexible with the ability to enhance if needed.
Very helpful customer service.

September 8, 2025
Rated 5 out of 5 stars
Invited

Been with free-spirit for 10 years

Been with freespirit 10 years
Would recommend to anyone
Great staff

September 12, 2025
Free Spirit Travel Insurance logo

Reply from Free Spirit Travel Insurance

Good morning Mrs. Wright,

Thank you for your lovely review. We're glad to have been able to help you with your travel insurance year after year and we hope you have a great trip.

Kind regards,
The Marketing Team

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