Travel insurance for people with disabilities
Key takeaways
You can still get travel insurance with a disability, but you have to declare it
Travel insurance costs are usually higher for people with pre-existing conditions
Specialist policies can financially protect you from problems like lost medication, damage to mobility aids and a carer becoming unavailable
Does travel insurance cover disabilities?
Standard travel insurance will not cover many disabilities. But lots of people with disabilities can get specialised travel insurance for pre-existing conditions.
What does travel insurance for disabilities cover me for?
All travel insurance will usually cover:
Illness and accidents
Trip and activity cancellations
Lost luggage
Theft
Personal liability
If you have a disability, you may want to look out for a policy that specifically includes:
Medical treatments for your specific condition
Replacing medicine if yours are lost, stolen or damaged
Cover if mobility equipment or other aids are lost, stolen or damaged
Replacement carers if yours becomes unable to travel
How will having a disability impact the price of my travel insurance?
Having a disability or other pre-existing medical condition usually makes travel insurance more expensive. The reason is that insurers think you’re more likely to claim on it. But the exact price will depend on the insurer and on the nature and severity of your condition.
Compare quotes from different insurers to find the best price for the type of cover you want. Don't want more tasks on your to-do list? MoneySuperMarket can do the work for you, saving you time and money.