Travel Insurance

Do I need travel insurance?

, 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, missed departures, 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, amendments and cancellations.  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.

Reciprocal Health Agreements (RHA)

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

The reciprocal health agreements only cover you if your visit was intended to last for less than three months and you don't intend to move countries permanently. The agreement doesn't cover all costs, eg certain types of follow on treatment or travel costs.
​Jersey and UK Reciprocal Health Agreement​ 

  • Guernsey does not currently have a reciprocal health agreement with the UK or Europe, as it is independent of both the NHS and those holding European Health Insurance Cards (E.H.I.C.)
    If you require medical assistant while visiting the Islands from the UK, or other Non-Reciprocal Countries, you will need to pay for all medical services, including primary care, hospital accommodation, radiology, pathology, pharmacy and physiotherapy.
    Guernsey Health Care Information