Specialist travel insurance for people with medical conditions & disabilities.

Jo Pavey Insurance Services has teamed up with Free Spirit to provide a specialist travel insurance policy which covers medical conditions and disabilities.

Key features of Free Spirit

  • Cover for most medical conditions covered
  • For people of ALL ages
  • Single Trip & Annual Multi-trip
  • Choice of cover options
  • Reduced premiums for travelling companions
  • Financial failure*
  • Journey disruption / Airspace closure*
  • Over 80 activities automatically included
  • Online medical screening
  • 24 hour medical emergency helpline

* included with Super Duper cover only

How to apply for a quote & cover

You can get a quote & buy online




Or you can call us on 0800 170 7704 quoting JOP2016

Free Spirit has a dedicated UK based customer service team to answer any questions and deal with your enquiries. Opening hours are 8am – 6pm Monday to Friday (closed Bank Holidays) and your call will be treated with the utmost confidentiality.

Please note, when you telephone or visit the website you will be dealing with Free Spirit.

Providing a solution

Many standard travel insurance schemes exclude cover for existing medical conditions or will decline to offer cover for the declared condition. This can lead to people travelling abroad without adequate cover and risking large medical bills or not travelling at all. The Free Spirit scheme was the first of its type specifically dedicated to those being declined cover elsewhere due to their health. It is one of the UK’s largest specialist travel insurance schemes for people with existing medical conditions and disabilities.

If cover is arranged as soon as the holiday is booked, there will be immediate protection should the trip need to be cancelled (subject to terms and conditions).

Why insure your travelling companions on the same policy?

Cover can also be provided for your travelling companions or carers on the same policy. As well as reduced premiums for those without medical conditions, you will ensure there are no gaps in cover that could arise if separate policies are purchased.




Travel insurance is provided through Free Spirit.

Terms and conditions apply. Free Spirit is a trading name of travel insurance specialists P J Hayman & Company Limited who are authorised and regulated by the Financial Conduct Authority (FS register number 497103). Registered office: Stansted House, Rowlands Castle, Hampshire PO9 6DX. Registered in England No. 2534965