Frequently Asked Questions (FAQ)
Below are some commonly asked questions. If you have a question that is not answered below then please use the Contact Us page.
Why have you designed Free Spirit Travel for Treatment?
Most standard travel insurance schemes will not provide cover for people travelling abroad for medical treatment, nor will they provide cover for costs arising from complications occurring whilst abroad. We have designed Free Spirit Travel for Treatment to solve these problems.
What types of procedures will you cover?
Free Spirit Travel for Treatment covers a wide range of cosmetic, dentistry and elective procedures. Click here for a list of the acceptable procedures
NOTE: If the procedure that you are having done is not shown on the list, please call us on 0845 260 1543 as we updating the list on a regular basis.Is there a timescale for cover applying in the event of a complication arising from my medical treatment?
Free Spirit Travel for Treatment provides cover for complications occurring whilst abroad at least 48 hours and up to 31 days after treatment.
Who is eligible for Free Spirit Travel for Treatment?
Free Spirit Travel for Treatment is available to UK nationals resident in the UK, Channel Islands or EEA who are registered with a Medical Practitioner in the same country as they are resident.
EEA - European Economic Area (the European Union plus Iceland, Liechtenstein and Norway) or the Channel Islands.
For example a UK national living in France would be eligible to take out cover.Who are the Insurers?
Free Spirit Travel for Treatment is arranged by Travel Insurance Specialists
P J Hayman & Company Limited. It is underwritten by AXA Insurance UK plc except for BONDPLUS (financial failure) which is underwritten by IGI Insurance Company Limited.
PJ Hayman & Company Limited, AXA Insurance UK plc and IGI Insurance Company Limited are authorised and regulated by the Financial Services Authority. This can be checked on the FSA’s register by visiting the FSA’s website at www.fsa.gov.uk/register or by contacting them on 0300 500 5000.What is the age limit for a Single-trip policy?
Free Spirit Travel for Treatment is available to persons up to age 74.
Do you have a 24-hour emergency service?
Yes, the Free Spirit Travel for Treatment policy has a 24-hour medical emergency and repatriation service provided by:
FREE SPIRIT – EMERGENCY ASSISTANCE SERVICE
Tel. +44 (0) 845 230 3519
Further details of this service are shown in the policy document.
Staff are on call 24 hours a day throughout the year. They will, when necessary, guarantee medical bills, arrange repatriation and, if required, provide a medical escort.Do you cover one-way trips?
No, Free Spirit Travel for Treatment only covers round trips that start in and return to your home country.
Will you cover my partner who is accompanying me on my trip on the same policy?
Yes, reduced premiums apply for accompanying persons.
Do you offer a Money Back Guarantee?
Yes; if you are not satisfied with the cover provided you may return your policy to us within 14 days for a full refund, provided that you have not already travelled and are not making a claim.
How do I make a claim?
Full details of what you need to do to make a claim are shown in your Policy document.
How quickly will you settle my claim?
We aim to provide a first class claims service and undertake to respond within 5 working days of receipt of correspondence.
Can I increase the Cancellation Cover limit?
Yes, the standard limit of £1,000 can be increased to £5,000 per person (subject to an overall maximum of £10,000 per policy) on payment of an additional payment.
NOTE: Please check carefully that your Cancellation Sum Insured is sufficient to cover the cost of your trip.Does the cancellation cover include the cost of my treatment?
Yes. Pre-paid sums for treatment abroad or which are contracted to pay are covered provided the reason for cancelling is due to an insurable event such as accident or sickness and not disinclination to travel.
Do I have to insure for the full cost of my treatment?
No, the choice is yours. The standard limit for cancellation cover is £1,000. If you decide to buy cover for £2,500 and you have to cancel at a loss of £3,500, we will pay up to the policy limit you have purchased.
Can we exclude money and baggage from the policy?
The Free Spirit Travel for Treatment policy does not provide an option to exclude money and baggage cover.
Can I delete the standard policy excess?
The Free Spirit Travel for Treatment policy has a standard policy excess that applies to some sections of the policy – See Policy Summary or the Policy Wording for details. It is not possible to delete the excess.
Can we have a lower premium and higher excess?
There is no voluntary excess option available under the Free Spirit Travel for Treatment
In the event of a medical emergency whilst abroad, do I have to pay my medical bills myself?
If you are asked to pay a small bill for medicines and/or outpatient treatment it is often easier to settle your bill direct, keep all receipts and claim for the costs incurred on your return home.
If you are admitted as an in-patient, or you require out-patient treatment which is likely to exceed £300, then you must contact the 24-hour Medical Emergency Service as soon as possible. They will then arrange for those medical expenses covered by the policy to be paid direct to the hospital/clinic.Can I extend my policy from abroad if I decide to stay longer?
Subject to Underwriters agreement, we can extend a Free Spirit Travel for Treatment policy providing you let us know BEFORE your policy expires and at the time of requesting the extension you are not intending to make a claim. Please note, this is subject to the total trip duration including the extended period not exceeding 31 days, which is the maximum trip duration of the policy. You will be advised of the additional premium at the time of the request.
Last updated June 2010
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