Travel insurance is a must when you’re heading off on an adventure, but it can be so much trickier to find suitable cover when you’re disabled or suffering from a serious illness. Happily, there are a number of insurance providers who specialise in offering policies that take into account existing conditions and will make sure you can enjoy your holiday to the fullest.
Don’t be put off by high premiums or disqualifications from unsuitable travel insurance policies, have a look at some of the providers that offer the kind of cover you need.
Travel insurance for people with disabilities
Some traditional travel insurance companies may have clauses in their policies that preclude people with disabilities from taking out insurance through them. Alternatively, they may offer insurance but at an unfavourable price. As a general rule, you’re most likely to find adequate cover at a reasonable price from insurers that specialise in policies suitable for people with disabilities. You can find some interesting information from the government at NiDirect, including links to help you plan your trip.
Companies such as Free Spirit, which is one of the UK’s biggest specialist travel insurance schemes dedicated to covering people with disabilities and pre-existing medical conditions, can be the ideal solution. As with many other specialist providers, Free Spirit also allows you to cover travelling companions under the same policy, meaning your whole travel party can be on the same policy and you can cut down on extra paperwork.
Medici Travel Insurance is another company that offers a wide range of insurance options for people with disabilities and pre-existing medical conditions. Working in conjunction with the Insurance Helpline, Medici aims to provide insurance that matches your circumstances as closely as possible. This means that you will have to answer a fairly in-depth questionnaire about your health and disabilities. It does also mean that your quote is more likely to accurately reflect your potential emergency needs when travelling and it can also help you save money on your policy cost.
Additional travel insurance options for disabled people
You may also find a suitable policy from Ok To Travel, which also specialises in cover for travellers with disability. They promise to tailor a policy to suit you, allowing you to travel with security and peace of mind. Additionally, if you choose one of their Premier or Premier Plus options, you will be entitled to cancel your holiday if you become unwell due to existing medical conditions.
Another potential route is to look for insurance on Insure For All, which is mainly aimed at the over 65 market but also specialises in offering cover for people with disabilities. Insure For All is backed by a number of established insurers and will be able to help you find a quote tailored individually to your circumstances. They also claim to employ operators who are knowledgeable and will help you choose appropriate cover with minimum fuss and intrusion.
By taking the time to investigate the various options available, you can choose a tailor-made insurance package that can offer you suitable cover at a reasonable price.