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.

Why do I need travel insurance for Multiple Sclerosis (MS)?

Multiple sclerosis (MS) symptoms vary from person to person, but symptoms often gradually worsen over time, or can flare up in different phases, including on your holidays. This all depends on the type of MS you have.

With MS being such a complex condition, you may find it tricky to find standard travel insurance. But don’t worry, you can use our online comparison tool to compare your travel insurance quotes for your MS within minutes, to make sure you get the right insurance for your specific needs. It’s simple and easy.

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COVID-19 Medical Cover

We’ll only show you quotes from providers who cover emergency medical expenses (including repatriation to the UK) if you catch the virus whilst travelling abroad.

Enhanced COVID Cover

Extra cover that'll give you & your holiday even more protection against COVID-19. Compare quotes from leading providers with this additional cover today.

Do I have to declare MS on my travel insurance policy?

If you’ve been prescribed medication or seen a medical professional (such as a GP) in the last 2 years for your MS, then you will need to tell us about your condition. Remember to also include any relevant health conditions of your travelling companions, if you’re getting a group policy.

When you’re telling us about your pre-existing medical conditions, it’s likely that we’ll ask a few questions about your health condition. The answers you provide will help travel insurance providers get a better understanding of your condition and general medical background.

These questions could include:

  • Do you require more assistance than you did 12 months ago?
  • Do you currently use any mobility aids?
  • Have you had any acute relapses in the last 12 months?

It’s really easy to then compare specialist quotes from up to 30 different providers to find a policy to suit you. No paperwork, no phone calls, no hassle.

Waterfalls

What will travel insurance for MS cover?

Alongside providing cover for your MS, you can expect your travel insurance to include the same things that a standard travel insurance policy would include, such as: 

  • Emergency medical expenses and repatriation - if you’re hospitalised, or even need to be brought back to the UK for treatment as a result of your condition. 
  • Lost, stolen or damaged personal belongings - this could include any medication that you’re taking with you to treat your anxiety.  
  • Cancellation and curtailment - if you suddenly decide to cancel your trip, or end up cutting it short.
  • Travel delay - this won’t always be included, so check your cover
  • Personal liability - if you cause accidental damage to another person, or someone else’s property - cover is provided.

You can compare this type of cover across a range of specialist travel insurance providers, so why not get started?

Tips for travelling with MS

Due to the often debilitative and progressive nature of MS, it is highly advised that you shop around for the right type of specialist travel insurance in order to give you peace of mind that any issues that could arise due to your condition are covered on your travels.

MS patients can still travel and enjoy themselves provided they have the right precautions in place to manage their condition while they are on the move. This includes having all the right medication and support required from other people/mobility aids.

If you suffer with MS and are considering booking a holiday – you may wish to consult your GP beforehand, just to get a second opinion.

They may well be best placed to advise you on what you should and shouldn’t do to ensure your trip is memorable for all the right reasons. It is also wise to inform your airline if they need to make any special considerations on your behalf in terms of individual assistance.

Optional extras

Also, feel free to add any optional extras that you need - such as gadget cover, cruise cover or winter sports cover.  

This may increase your premium, but it’s definitely something to consider when shopping around, especially if you have different types of holidays planned.

Gadget cover

Cruise cover

Winter sports cover

Get cheap quotes from specialist MS travel insurance providers

Use our straightforward quote comparison tool to find the cover you need. It literally takes minutes. You can compare MS cover across a range of specialist insurance providers, all in one place - so there should be plenty of choices. 

Once you’ve got everything sorted - so you can get on with the good stuff and start planning your trip.

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Frequently Asked Questions

We’ll only show you quotes from providers who are able to cover emergency medical expenses (including repatriation to the UK) if you catch the virus whilst travelling abroad.

Some of our providers are able to offer additional cover, such as cancellation cover should you catch COVID-19 or have to self-isolate because of suspected symptoms before departure. We’ll make it clear who these providers are when you’re comparing quotes so you can choose the policy that is right for you.

This doesn’t apply to all insurance providers, so unless otherwise stated, for all other sections of cover, you wouldn’t be covered if making a claim as a result of COVID-19.

For more information, we recommend reading our full guide here.

If the FCDO are advising against all, or all but essential travel to your destination at the time of your trip, there will be no, or extremely limited cover provided by your policy.

You can still choose to take out a policy now for a future holiday, but it is very important to note that if the FCDO are still advising against all but essential travel to your destination at the time of your trip, your cover will not be valid.

For more information, we recommend reading our full guide here.

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!
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.
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.
No, we are unable to provide cover with any of your pre-existing medical conditions excluded.
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 multiple sclerosis 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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Don't just take our word for it...

If we're unable to help you find cover for a pre-existing medical condition, the Money and Pensions Service (MaPs) have launched a new directory listing companies that may be able to assist you. You can find out more information on their website.