Finding Disability Travel Insurance for Your Trip

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Having a disability shouldn’t prevent you from booking your next adventure; get disability Travel Insurance to ensure you’re covered.

Depending on your disability, you may find travelling and finding suitable disability Travel Insurance challenging, but Just Travel Cover is here to help.

Tailored Travel Insurance for people with disabilities

You deserve to have a relaxing break just as much as anyone else; don’t let your disability stop you. Whether you’re looking for adventure or tranquillity, finding tailored disabled Travel Insurance for your disability, whether you need cover for a physical or developmental disability, will give you the confidence you need to enjoy your holiday. There are varying types of disabilities, and no matter what type of disability you have, you’ll need to declare the condition that causes your disability, and we’ll aim to find a disability Travel Insurance policy to meet your needs. This includes cover for autism, cerebral palsy, impaired mobility, hearing or blindness. We cover hundreds of pre-existing medical conditions, including those that cause various disabilities. Read more below about the different types of disabilities that we can provide cover for:

Physical Disability Travel Insurance

A physical disability refers to any impairment of your physical function in one or more limbs. Physical disabilities are quite common in the UK, with 22% of the population being affected in some way. If you have a physical disability you may struggle to undertake normal tasks and could face difficulties when travelling. Such disabilities could include muscular dystrophy, cerebral palsy, spinal cord injuries, and amputations. If you were to experience a medical emergency relating to your disability, your physical disability Travel Insurance will cover you for any medical expenses as long as you have declared the pre-existing medical condition that causes your physical disability. This is why it is essential to declare any pre-existing medical conditions when finding physical disability Travel Insurance. You need to make sure your policy is best suited to you, your disability and your travel needs.

Developmental Disability Travel Insurance

Developmental disabilities are conditions caused by learning, language, or behavioural impairments. In the UK, there are 1.5 million people who have a learning disability, and these problems usually emerge during the developmental stage. Examples of development issues could include autism, Down syndrome, or Fragile X syndrome. Cerebral palsy can also be the cause of learning and developmental disabilities and must be declared on your Travel Insurance policy. Having disability Travel Insurance for your developmental disability or the medical condition which led to it, will ensure you’re covered in the event of a medical emergency. At Just Travel Cover, we can help you find the right disability Travel Insurance for your needs.

Sensory Impairment Travel Insurance

A sensory disability is a neurological impairment that affects the brain’s capacity to properly absorb data such as sight, hearing, taste, touch, and smell. A sensory impairment can make everyday tasks challenging, but it shouldn’t prevent you from enjoying a relaxing holiday. The most common types of sensory impairment are sight and hearing, also known as deafness and blindness. If you have a sensory disability, it is important to declare it, or the condition that led to it, when taking out your disability Travel Insurance. By doing this, you can be confident that your sensory disability Travel Insurance will protect you in an emergency.

Compare and choose the right disability Travel Insurance for your condition

Thanks to our online medical screening process and working with a panel of insurers specialising in pre-existing medical conditions, we aim to make finding disability Travel Insurance quick and easy. By answering the questions as accurately as possible, you’ll receive a list of possible insurers covering you for your specific disability and any other pre-existing medical conditions that you may have. You can then compare and choose the best disability Travel Insurance for you and your specific condition. We are experienced in sourcing disability Travel Insurance, and we can help you too. If you would prefer to speak to someone over the phone, call us today and we will help you find disability Travel Insurance tailored to you and your condition.

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Travel Insurance for Disabilities FAQs

Frequently asked questions about Travel Insurance for people with disabilities.

Do I have to declare my disability on my Travel Insurance?

Yes. The pre-existing medical condition that causes your disability will need to be declared when arranging your disabled Travel Insurance. If you don’t declare your disability/condition, whether it be physical, developmental, or sensory, you could run the risk of not having the cover you need for your specific disability and being left facing hefty medical bills for any treatment that you receive while abroad. Nobody likes to think that something will go wrong while they’re on holiday, but it is best to be prepared for any situation with the right Travel Insurance for people with disabilities.

How do I travel abroad with a disability?

When travelling with a disability, we recommend that you carry documentation that explains your condition and any specific equipment or medication you require. Some airlines may need proof of fitness to travel, such as a doctor’s note from your GP.

Ultimately, you know what is best when it comes to living with your disability, so make sure that you’re especially prepared when travelling. Sort everything before you travel, whether it’s making sure you have enough medication, having all of the necessary equipment, or researching the accessibility of the areas you’ll be visiting.

Can I get disability Travel Insurance for mobility equipment I travel with?

Yes, some disability Travel Insurance policies provide cover for mobility equipment and assistive equipment, such as wheelchairs, scooters, and hearing aids. Be sure to check the policy details and any cover limits, or speak to one of our advisors if this is something you are specifically interested in when securing disability Travel Insurance.

What should I consider when selecting disability Travel Insurance for my needs?

When choosing disability Travel Insurance, consider factors like cover for medical emergencies, trip cancellations, lost/damaged mobility equipment, and accessibility-related expenses. Make sure to review your policy thoroughly so you know exactly what is covered under your Travel Insurance.

Is Travel Insurance with disability cover more expensive?

Disability Travel Insurance is based on various factors, including medical history, destination, trip duration, age, and level of cover. While having a disability may affect the cost of cover in some cases, it’s essential to shop around and compare quotes from different insurers to find the best option for your needs. That’s where we come in. At Just Travel Cover, we work with a panel of Travel Insurance providers to help people with disabilities find a Travel Insurance policy suited to them. You can compare and choose a policy tailored to your needs.

Do I need to declare autism on my Travel Insurance?

Yes, autism or autism spectrum disorder (ASD) is classed as a pre-existing medical condition and should be declared when getting a Travel Insurance policy. Securing an autism Travel Insurance policy ensures you have the right level of cover for your holiday and can travel with peace of mind. Failing to declare autism or any other pre-existing medical condition on your holiday insurance policy could make your policy invalid, and the insurer may choose to refuse to settle any later claim you make on your disability holiday insurance policy. Get in touch today to speak to one of our advisors and we can help you secure autism Travel Insurance specific to you and your condition.

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Travel Insurance for Disabilities – Your Cover

Cancellation/ curtailment up to £12,500 (£30,000 on referral)
Missed departure up to £1,500 per person
Baggage up to £3,000 per person
Personal Liability up to £2 million per person
Zero excess policies available

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Medical Cover for Disabilities

Emergency medical expenses and repatriation up to £15 million
24/7 emergency medical assistance
Cover for all types of Disabilities

We Compare Prices From These Insurers

Compare Travel Insurance with medical conditions easily with us. We diligently compare various options, helping you find the best Travel Insurance with medical conditions tailored to your needs. Click here to download the Policy Wording and Insurance Product Information document for all insurers. In the event you are unable to find a suitable product from our panel of multiple providers, you can find contact details of some additional Insurers who specialise in travel insurance for people with serious medical conditions here, or call 0800 294 2969 for more information.