Travel Insurance

Do I need travel insurance?

Yes, it is the responsibility of the client to purchase suitable travel insurance for themselves and their party to cover their booking.  Freedom Holidays strongly recommends that clients purchase suitable insurance to cover cancellation charges for circumstances beyond the client’s control, such as, but not limited to, medical expenses* arising whilst on holiday, loss of luggage or money and personal liability, jury duty, incarceration, change in personal or employment circumstances, military service, death or illness (including Covid-19**), shielding/isolation, family emergencies and travel delays.  Insurance should be taken out at the time of the holiday booking. If a client chooses not to purchase travel insurance, then the client accepts responsibility for any loss they may incur due to their cancellation. 

*Make sure you're covered for specialised medical transport home (repatriation) and medical transfers for treatment. These are often the most expensive charges when you need overseas treatment.

**Covid-19 is now a known risk and it is possible for you to insure your holiday against it. This can include the lead client or any of the booked party having COVID-19, having to isolate or quarantine or wishing to shield any members of the party. 

There are several Insurance providers offering policies which include cover for COVID-19 related cancellations, these include, but are not exclusive to;
Freedom Holidays do not sell, promote, endorse, or recommend any particular product, and do not benefit financially from, nor have any formal relationship with any of these providers.

​​​​Jersey and Guernsey have a Reciprocal Health Agreement (JHA) with the United Kingdom which means that if you qualify for free healthcare and require emergency treatment when visiting the UK, or vice versa, you won't have to pay certain healthcare charges. 

The agreement doesn't cover all costs, eg. certain types of follow on treatment or travel costs.
If you do require treatment you're not covered for non-urgent conditions and will have to pay for them.

You won't get free treatmen​t for urgent conditions when treatment can be scheduled for a future date.

If you need  emergency treatment that can't be provided locally, the hospital may arrange  for you to be transferred overseas. In such cases, you won't able to choose the hospital you're transferred to and all transfers relating to non-emergency treatment will be charged for.​

​You will also have to pay for:​

  • GP treatment
  • prescriptions
  • some types of medical equipment and supplies
  • certain travel arrangements (eg repatriation)
  • on-going services for an existing treatment plan (eg holiday dialysis)
  • treatment for pre-existing conditions you're awaiting treatment (eg surgery) unless there is a major deterioration in that condition while you're visiting