Travel Insurance for Disabled People

Travel Insurance for Disabled People from AllClear provides up to unlimited medical emergency expenses cover. This leaves you free to travel with confidence and enjoy your trip with peace of mind.

We’ll cover you if you have a medical emergency abroad, including if this relates to your disability. For example, if you urgently need medication and need it replaced. You might also lose your mobility equipment, and we can replace that, too. We’ll also cover costs from hospital trips, like surgeries or medication. We even cover the costs of repatriation back to the UK if needed.

• According to data from the UK Government, 24% of Brits have a disability.
• Having a disability shouldn’t stop people from travelling. 24% of people with disabilities have been abroad more than three times in the last five years.
• Four in ten disabled travellers have had a mobility aid lost or damaged by an airline.

Our specialist Travel Insurance will cover unexpected medical costs, including those related to your disability. We’ll tailor your policy to suit your needs, leaving you free to enjoy your trip with peace of mind.

At AllClear, we can cover: All medical conditions. All ages. All destinations. 98% of our customers would recommend us to family and friends, so you’re in good hands³.

Our Disability Travel Insurance protects you against unexpected medical costs. We’ll cover you if you need to buy medication in an emergency when travelling. Or if you have to cancel your trip due to a health issue. And if your luggage or mobility equipment goes missing, we cover that, too.

Always read our Policy Wording to understand what is and isn’t included.

We offer three different policy levels: Gold, Gold Plus, and Platinum. Each is tailored to your specific requirements.

We offer Travel Insurance for disabled people living with a wide range of disabilities. This includes both short and long term conditions, people with limited mobility and those who are registered disabled. It also includes those who require medication.

Some conditions covered by Disability Travel Insurance include:

• Mobility. In the UK, around 41% of working-age adults with a disability have a mobility impairment. This may mean you face challenges when travelling. For example, inaccessible accommodation or transport. The need for special equipment or assistance can complicate travel plans and increase costs.
• Visual. Some 2 million people in the UK are living with sight loss that impacts their daily lives. Travellers with visual impairments, like macular degeneration or retinitis pigmentosa, need accessible information and navigation aids. There could be an increased risk of injuries while in new environments.
• Chronic Pain. 53% of those 75 years and over experience chronic pain. People with chronic pain may find long flights or carrying luggage challenging. This includes conditions like fibromyalgia or arthritis. Travel insurance can s cover medical treatment and cancellations due to pain flare-ups.

Disability Travel Insurance means you can go away with peace of mind. You’ll know you’re covered if something goes wrong on your holiday and won’t face high costs from your own pocket.

As a specialist Medical Travel Insurance provider, we can cover more than 1,300 conditions offering cover for issues that many standard policies won’t cover.

AllClear’s Travel Insurance for disabled people can cover:

• Lost or stolen medication. If you take medication to help with your disability, we know how stressful it can be if it’s lost or stolen. We can provide cover for the cost of replacing it
• Mobility aids. We can provide protection for walking frames, sticks, scooters, wheelchairs and other mobility aids. Whether they’re lost, stolen or damaged. We know this essential equipment can be expensive, that’s why we cover each item for up to £2,500
• Emergency medical expenses. If you need to visit a hospital or be repatriated due to complications with your disability, we can help. Without Disability Travel Insurance, you could face costs of up to £65,000 – £74,000 for an air ambulance back to the UK (ABTA)
• Carers. If your carer is insured on the same policy and has to cancel or cut their holiday short unexpectedly. You could also be covered if you have to do the same. Or we can provide up to £1,000 in accommodation and travel expenses to replace your carer, depending on your policy

Please note, if you need a carer you must travel with a carer who is capable of caring for you for the entire duration of your trip.

• Travelling companion cover. Even if your carer or travelling companion is insured with another provider. We offer optional protection, covering them for cancellation and curtailment if you face medical issues while you’re away.

Always read our Policy Wording for full details of what is and isn’t included in Travel Insurance for disabled people. 

Holidays are all about relaxation and making memories. Taking steps to prepare for your break will mean you can get on with enjoying yourself:

• Medical advice. Your doctor or medical team will be able to advise you about your trip You should also look at where you can get emergency medical help if you need it while away
• Plane travel. Speak to your airline about any requirements you may have. Such as being able to take your mobility scooter or guide dog. They may also require information from you, such as a Fit To Fly letter. If you’re going on a cruise, you should also speak to your operator
• Accommodation. Check that where you’re staying is accessible in advance. As well as your room, you should consider your needs when accessing the pool, beach or any restaurants
• Medication. Check that your medication is allowed to enter any countries you’re visiting, as some have restrictions. You may need a letter from your doctor. Carry any medication in its original packing with your prescription. Make sure you take plenty for your trip, along with extra in case any is lost
• Checklist. ABTA has a helpful checklist for those travelling with a disability. Including advice if you need supplementary oxygen or to borrow a wheelchair while you’re away
• Disability Travel Insurance. Buy Travel Insurance for disabled people from a specialist provider. They can provide cover for issues linked to pre-existing conditions you may have, including disabilities. As long as you declare them during medical screening. Read the Policy Wording for any exclusions

It’s important to get a Travel Insurance policy that suits all your needs. We’re a Specialist Medical Travel Insurance provider, so you can travel with peace of mind when you get your cove with us.

The first step is to complete a medical screening. During this, we will ask you a few questions about your condition. 

Questions asked during a medical screening could include:

• Are you currently undergoing treatment or is any planned?
• Do you have any specific mobility needs?
• Do you take any medication for your condition?

We’ll use this information and your unique medical history to provide the best coverage for your trip.

It’s important to give accurate information during the medical screening process. We cannot cover any costs related to medical issues that haven’t been declared. If your medical history isn’t accurate, you may have to pay for unexpected medical costs.

It’s common to have more than one pre-existing medical condition. 62% of people we surveyed have more than one pre-existing health condition⁵, but this shouldn’t necessarily be a barrier to travelling.

If you have more than one pre-existing medical condition, declare them all when buying your Travel Insurance. You can do this during the medical screening process. Then, we can create a quote that works for you.

Our medical warranty defines a pre-existing condition as anything where you have been:

• to a hospital, clinic, or GP surgery for medical treatment within the last two years. This also applies to remote consultations, either on the phone or through an app.
• placed on a waiting list, which might mean you’ll have to miss your trip.
• told you have a terminal illness.

Examples of other pre-existing medical conditions we cover include:

• Cancer
• Respiratory problems like asthma and COPD.
• Type 1 Diabetes and Type 2 Diabetes.
• Musculoskeletal conditions. This includes back problems, osteoarthritis and osteoporosis.
• Neurological conditions. This includes strokes, epilepsy and multiple sclerosis.

Need the best Travel Insurance for your trip? That’ll depend on what you’re doing while you’re away.

• Exploring by ship? Cruise Cover will protect you against any cruise-specific mishaps that might occur. This includes things like cabin confinement or being airlifted back to dry land.
• Big golfing trip? Golf Travel Insurance will protect you and your beloved clubs. That means more time to focus on getting a hole-in-one.
• Travelling to all four corners of the globe? Worldwide Travel Insurance can cover you, whether that’s Machu Picchu or Montreal.
• City break weekends? Europe Travel Insurance protects you across the entire continent, so you can focus on visiting the Old Town.
• One big holiday? Single Trip Travel Insurance is what you’re looking for. It’ll give you up to 365 days of consecutive travel cover.
• Doing more than one trip? Annual Multi-Trip Travel Insurance might be cheaper, and there’ll be a lot less paperwork, too.

Here is how to get a quote for Travel Insurance when you have a disability.

1. Get a quote online or by phone

The first step is to provide your personal details and information about your holiday plans. Complete this over the phone with one of our team members or online.

Get your quote.

2. Complete our simple medical screening process

You must declare any medical conditions you have and any medications you are taking. This will allow us to provide the cover that best suits your needs.

3. Get your quote

You can either proceed to buy or save your quote at this stage.

There’s a reason 99.5% of our customers would consider buying from AllClear again³. Here’s what they say about us.