Tommy Lloyd
Author: Tommy Lloyd, Managing Director

Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover for their medical conditions.

Originally posted: 4th Jul 2018

Travel insurance for disabled

Having a medical disability should never prohibit you from travelling abroad. That being said, you should always seek to get the best travel insurance policy available to keep you covered should any issues arise due to your condition while on holiday.

As we work with 40 leading insurance providers, Medical Travel Compared can help you compare quotes and get the best deals and cover provided for disability travel insurance.

Disability travel insurance is applicable to people with a range of physical disabilities and also those with intellectual and learning disabilities.

If you are disabled or in care of somebody with a disability, we would always recommend exploring the different types of cover you can get depending on your personal circumstances.

Acquiring a comprehensive policy will put your mind at ease and enable you to enjoy your trip without any fear of paying emergency medical bills or facing any other issues that may affect your time abroad.

Do I need disability travel insurance?

Disability travel insurance isn’t compulsory, but as mentioned above, if you have a disability or are planning a trip for a disabled person in your care, we would highly advise purchasing a policy through one of the many reputable insurance providers we work with.

As much as we all look forward to enjoying our holidays, we cannot always prepare for the unexpected.

By getting a disability travel insurance policy tailored to your personal circumstances, you are not only covering yourself should any potential difficulties arise, but also giving yourself peace of mind and freedom to enjoy your holidays as you should.

For example, if regular treatment of your disability involves taking medication on a daily basis, you can rest in the knowledge that if you lose your medication overseas, you can simply get some more while you’re away.

What disabilities affect travel insurance?

Disability travel insurance covers a wide range of conditions – spanning physical, intellectual and learning disabilities.

All disabilities affect travel insurance. However, the more serious the condition, the more it will affect your travel insurance.

This certainly shouldn’t put you off though, as some disability travel insurance quotes start from as little £4.94 to cover you for a week – so you may well be pleasantly surprised.

There are over 2,000 medical conditions that can be covered, so no matter how manageable you feel your condition is, it’s still worth checking if we can help you get covered for it before you travel.

Simply go through our medical screening process and answer all the questions specific to your personal circumstances. It’s a good idea to declare any conditions or disabilities you may have at the start of this process so we can tailor the prices for you accordingly.

Then you can compare quotes from as many as 40 different providers, and get a bespoke policy guaranteed to keep you covered.

How much does travel insurance for disabled persons cost?

Quotes vary from insurer to insurer. The cost also varies depending on the severity of your personal condition. However, you should never be put off by the cost – as disability travel insurance is always a sensible investment, even if you end up paying a higher price just to ensure you get the right level of cover.

Our comparison tool caters for single trip insurance, and even annual insurance policies covering a wide range of disabilities.

What is included in disability travel insurance?

As mentioned, cover limits vary from insurer to insurer. However, a standard comprehensive travel insurance policy will generally include the following cover benefits:

  • Travel Delay
  • Legal Expenses
  • Cancellation
  • Curtailment
  • Emergency Medical Expenses and Repatriation
  • Personal Accident
  • Lost, stolen or damaged personal belongings

You should always base your decision to buy a policy on the level of cover it provides rather than price alone – so consider the limitations of your disability and select the best quote wisely.

If you have a physical disability, you will be asked a number of questions early on in the quote process to determine the level of cover benefits provided in policies from the selection of insurers we work with.

From back pain and knee reconstruction to deafness and blindness there are a wide range of different physical disabilities that can be covered, and you can search for specific conditions during the process before advancing through to our quote comparison engine.

This makes it quick and easy to identify your condition and help us process a number of quotes for disability travel insurance tailored to suit you.

Travel insurance for disabled children

With Medical Travel Compared, you can compare disability travel insurance quotes for under 16s.

When handling the travel arrangements for your child, you should declare disabilities in the same way you would declare your own.

You should also carefully answer the questions asked during the medical screening process as accurately as possible to ensure your child gets the best possible cover while on holiday.

It is also worth bearing in mind that you can get disability travel insurance quotes for policies that cover your whole family for the duration of your holiday.

You can make this selection at the start of the quote process if you feel this is the best option for you and your family based on your collective medical circumstances.

Are carers covered under disability travel insurance?

This is something that the insurance providers themselves can advise on in more detail.

In any case, the carer would need to be listed as a second traveller on the policy. If you pay that carer for their service, there is a strong likelihood that you will be subject to business rules within your policy – such as not being covered for heavy lifting while working for example, which may be relevant to a carer.

The best course of action is to list both travellers, declare everything accurately, and select a policy you deem to be most suitable before advancing through to payment.

Once there, you can contact the provider directly, and ask them about their specific terms and conditions for carers.

Flying with a disability

If you intend on flying with a disability, there are a number of things to be aware of.

Passengers with reduced mobility have a legal right to assistance when travelling by air – so if this is the case, you should notify your flight operator at least 48 hours before your departure. However, most airlines ask this at the stage of purchasing your tickets online anyway.

You should also check whether your disability requires medical clearance before flying, which is often the case for many physical disabilities. You will also require a letter from your doctor in order to take certain medication on board as hand luggage

Certain certified assistance dogs for the blind are permitted on most flights, while wheelchairs and other mobility aids are also permitted as long as you notify your flight operator in advance.

Flight discounts for disabled travellers

Certain airlines offer flight discounts for disabled travellers.

The level of discount depends on the severity of your condition – so it is worth checking the help pages for the airline you intend to book with to check whether you might be eligible for a reduced air fare.

This guide from specifically covers foreign travel for disabled people and the considerations you should take into account before travelling.

Frequently Asked Questions

A pre-existing condition is a diagnosed medical condition that existed before taking out a policy. We'll ask a series of questions about the medical history for you and any travellers on your quote. If you answer yes to any of these, you will need to tell us about the traveller's conditions. This could be a condition that a traveller has now, or has had in the past. If you are not sure what conditions you need to declare, we have online support available to help you 24/7!

Once you've declared all of your relevant pre-existing medical conditions we'll only show you quotes based on the conditions you have told us about.

It's really simple and quick to do! After you've told us about your trip details and answered some medical history questions you can add your pre-existing conditions, one by one, for each traveller. You'll only need to enter your details once, it's all online and there's no need to call, or provide details of your conditions in writing.

Nearly all insurance policies will come with cancellation cover included. Cancellation cover will start as soon as you buy your single trip policy, or your policy start date for an annual trip (so you may want to start this cover as soon as possible). Cancellation cover will help you with the cost of your trip, including flights, accommodation and, in some cases pre-paid excursions. The cover limits will be the amount per person.

Some travel providers may be able to provide some cover, but the value might not be enough to cover the cost of your item - it's always best to check your policy wording, it will usually be found in the baggage or personal belongings section. You may also like to check your home insurance policy - this can sometimes allow cover for your mobility aid whilst away from home but may be limited to within the UK. If your mobility aid cannot be covered in either of these ways, you may like to consider taking out specialist insurance.

* Price is based on 1 traveller aged 61, who has declared disability due to a back injury and is travelling to Spain for 7 nights. Price is correct as of December 2019. Prices may vary according to your individual requirements.

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