You’re planning a holiday and all you want to be thinking about is packing your sun cream and planning your itinerary but sadly, for many disabled travellers, finding suitable insurance is a major hassle.
Insurance providers ask for a lot of information about you because they want to be able to work out the potential likelihood of you making a claim while you’re away. Unfortunately, this means that if you have a pre-existing disability or medical condition, you may find yourself being penalised or even rejected for a policy. Not all insurers think this way and there are several who’ve moved away from a generalised application to offer a more personalised and accurate policy.
Finding insurance providers that understand
It might be tempting to think about skipping holiday insurance altogether, but medical treatment in other countries can be incredibly expensive and you don’t want to find yourself stuck with the bills should the worst happen. To ensure that you don’t have to waste your time filling in pointless forms or having frustrating conversations with insurance providers that just don’t understand your situation, it’s a very good idea to turn to a specialist.
Companies like Free Spirit believe that existing medical conditions shouldn’t make it more difficult for you to get the travel insurance you need. That’s why they offer specialised insurance that covers a huge variety of disabilities and pre-existing medical conditions, including Motor Neuron Disease, Muscular Dystrophy and Polio. What’s more, companions can also be covered under the same policy, so you don’t need to take out a separate insurance scheme for the different members of your travelling party.
You can also find highly specialised cover from OK To Travel, which allows you to tailor your policy to cover pre-existing medical conditions and disabilities. It also includes cover for loss of medications and for mobility aids and equipment – perfect for helping you relax during your holiday. Another good choice is All Clear, which claims to provide cover for all travellers – no matter what their age, medical condition or status. This specialist provider believes that everyone has the right to travel and you’ll also find a very useful jargon buster section on the site.
Booking your holiday
You may also be interested in looking at DisabledHolidays, which not only offers specialised travel insurance but also helps you plan the perfect holiday from start to finish. By booking through DisabledHolidays, you can be confident of adapted rooms, smooth transfers and full financial protection.
Don’t pay over the odds for travel insurance, be sure to compare the cost of the various policies on offer through MoneySupermarket and keep an eye out for coverage from trusted providers like Holiday Extras, which offers disabled travel insurance guaranteed to put your mind at rest. Be confident that you’ve got all of your needs covered and are free to enjoy planning your holiday by choosing travel insurance from a company that offers the right level of protection.
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