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Disabled Travel Insurance

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  5. For UK and ROI residents only
  6. If you are aged 75 or over please visit our partner Vital Health

From only £12.06 per Week

  • Cerebral Palsy
  • Motor Neurone Disease
  • Paraplegia
  • Vision Impairment
  • Arthritis
  • Hearing Impairment

From only £12.06 per Week

Book your Disabled Travel Insurance policy online in the form above, or by calling our friendly insurance experts on 0871 360 2712 and quoting "WC492".


Travel Insurance for Disabilities

Choosing the right disabled travel insurance for your holiday doesn't need to be a stressful or expensive experience. In fact, here at Essential Travel we are so passionate that it should be the same experience as any standard travel insurance, that we try to cover as many disabilities (which meet certain criteria) as possible for free.

You book it in the same way as standard travel insurance, you just need to complete an additional medical screening process. This can take a few minutes, but will allow us to make an accurate and fair assessment of your disability and provide you with the best possible price.


We offer four levels of cover for our Disabled Travel Insurance:

Standard Essential Medical- with £2.5million medical emergency expenses

Essential Medical- with £5million medical emergency expenses and £2,500 cancellation cover

Essential Plus Medical- with £5million medical emergency expenses, £2,500 cancellation cover and £1,500 personal possessions

Superior Medical- with £10million medical emergency expenses, £10million £5,000 cancellation cover and £2,000 personal possessions

As long as you haven't had surgery, treatment or investigations in the last 6 months (and not on the waiting list for any), you'll probably find that your disability is included as a standard in each of these policies.

Disabilities you need to declare

  • Any disabilities which cause or involve treatment for the following:
    • Respiratory conditions (related to lungs or breathing)
    • Cardiovascular conditions (including any condition relating to the heart, arteries, veins, cholesterol or blood pressure)
    • Strokes (including a cerebrovascular accident (CVA))
    • Transient ischaemic attacks (TIA)
    • Diabetes
    • Cancer

    Treatment includes any surgery, tests, or investigations by a doctor or specialist and/or taking prescribed drugs or medication.

  • If you've received a terminal prognosis

  • If you're on a waiting list for treatment or know you need surgery, inpatient treatment or investigations for your disability

  • If you've had surgery, inpatient treatment or investigations for your disability in the last 6 months

If you none of the above statements are true, you do not need to declare your disability and it will be covered for free in our standard travel insurance.


If any of the above statements are true, you will need to buy our travel insurance for disabilities and must declare your disability in the medical screening process. If you fail to do so, you will not be covered for your disability, and it may even invalidate your entire policy.


Tips for buying Disabled Travel Insurance

Medication

Any medication you need for your disability can be covered for loss and theft by our baggage cover. We offer two policies with baggage cover; our Essential Plus (up to £1,500) and our Superior cover (up to £2,000). And if your bag is temporarily lost in transit on your outward journey (and not returned within 12 hours), we also cover the emergency replacement of your medication.

Wheelchairs

Unfortunately, our travel insurance for disabilities does not provide cover for wheelchairs with our medical travel insurance. If you do require cover for your wheelchair, you will either need to add your wheelchair to your household insurance, take out specialist wheelchair cover, or alternatively find a travel insurance policy which does not exclude wheelchairs from their baggage cover.

Hearing aids

Our disabled travel insurance will not cover hearing aids. If you do want cover for your hearing aid you will either need specific hearing aid insurance, to include it your household contents insurance or specialist disability insurance.

Mobility aids

We do not offer cover for mobility aids in our disabled travel insurance. If you do have expensive mobility equipment and wish to cover it, you might want to consider either taking out specialist disability insurance, specific mobility equipment insurance or even adding it to your household contents insurance.

Medical equipment

Unfortunately, we do not cover any medical equipment in our disabled travel insurance. Medical equipment can be vital and expensive equipment you can't live without, so we would always recommend making sure it's covered. If you do have medical equipment and wish to cover it, you might want to consider specialist disability travel insurance or specific medical equipment insurance.



Experts' Top Tip - If you decide not to purchase disabled travel insurance, rest assured that you can still be covered for any emergency medical treatment that you may require unrelated to your disability.


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