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.
Specialist Travel Insurance for disabled people
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.
What cover does AllClear’s Disability Travel Insurance provide?
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.
What’s covered?
- Medical cover. AllClear policies include emergency medical cover, as well as medical costs for existing conditions. This includes prescription medication, medical emergencies and medical equipment.
- Cancellation and curtailment4. Cover for your flight and accommodation costs if you have to cancel before you go. We’ll also cover you if you need to return home early following an emergency.
- Your baggage. Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy.
- Travel delays and missed departures. We’ll compensate you for the time if your flight is delayed. If you miss your flight, you’ll also be covered for accommodation and transport costs.
- Personal liability. Cover for your legal expenses and any liability due if you accidentally injure someone. You also have cover if you damage their property while you’re away on holiday.
- All ages. We believe Travel Insurance should be available to as many people as possible. That’s why our Travel Insurance has no upper age limit.
What’s not covered?
- Deciding not to travel. You are not covered if you can travel but choose not to.
- Other regions. We won’t cover you if you travel outside your chosen region. You can contact us to upgrade your policy anytime.
- Claims below the value of excess. You’re not covered for claims that fall below the value of the excess stated in your policy
- Medical conditions you fail to declare. You need to provide us with an accurate medical history when you buy Travel Insurance. This is so we can give you the right cover. This is especially vital for senior travellers and those with long-term illnesses.
We offer three different policy levels: Gold, Gold Plus, and Platinum. Each is tailored to your specific requirements.
SWIPE TO COMPARE POLICIES
Gold |
Gold Plus |
Platinum |
|
| Emergency medical expenses and Repatriation costs | Up to £10m | Up to £15m | Unlimited |
| Cancellation* and Curtailment | Up to £2k | Up to £15k | Up to £25k |
| Travel Delay | Up to £300 | Up to £1,500 | Up to £1,500 |
| Personal Belongings | Up to £2k | Up to £2.5k | Up to £5k |
| Personal liability | Up to £2m | Up to £2m | Up to £2m |
| Legal protection cover | Up to £50k | Up to £50k | Up to £100k |
* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.
What types of disabilities are covered by AllClear’s Travel Insurance?
Having a Medical Travel Insurance policy that works for your disability is key. There are a few things you should consider before travelling:
- 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.
How to get Travel Insurance when you have a disability
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. This might include things like:
- 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.
AllClear’s Travel Insurance for Disabilities with other pre-existing medical conditions
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.
Find the best Travel Insurance for your trip
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.
How our Disability Travel Insurance works: A simple 3 step quote process
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.
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.
Our experts say…
If you’re travelling with a disability, make sure you get the right travel insurance. Ensure it covers any existing health conditions and the medical equipment you’re bringing, like mobility aids or devices. Double-check the fine print, as some policies might exclude certain treatments or equipment. It’s also worth confirming if the insurance covers delays caused by medical emergencies. The peace of mind it provides is well worth the effort.
Dr. Shani Dhanda @shanidhanda, Most Influential Disabled Person in the UK.
What our customers say
The service I got today from AllClear…
“The service I got today from all clear was excellent the young lady dealt with all my problems as I am a disabled traveller. If you are disabled I would give all clear a phone call first.”
– Deborah
– Date of experience: May 07, 2024
There’s a reason 99.5% of our customers would consider buying from AllClear again3. Here’s what they say about us.
What our Customers Say
Frequently asked questions on Disability Travel Insurance
How much does Disability Travel Insurance cost?
The cost of Travel Insurance policies varies from person to person. It’s based on many different factors. These factors include:
- Your age
- Your medical history
- Your destination
- How long you’re going for
These factors can change. Therefore, it’s hard to say how much Travel Insurance for Disabled People costs. The cost will be different for each individual.
Will your Travel Insurance cover a carer or travel partner?
No. Disability Travel Insurance policy does not cover a carer or travel partner. If you need a single policy that covers you both, you’ll need to look into a Group Travel Insurance policy. Travel Insurance policies for groups can cover between 2 and 10 travellers.
Do you have to declare your disability on Travel Insurance?
Yes, you must declare all your pre-existing conditions when you take out a Travel Insurance quote. This includes any disabilities. We’ll ask you for details during the medical screening process. At this point, you must declare all pre-existing conditions. Then we can offer the right cover.
If you don’t declare your pre-existing conditions, we can’t cover any related costs. This means you’ll end up having to cover the cost yourself.
Will Disability Travel Insurance cover mobility equipment?
Yes. Disability Travel Insurance will cover your mobility equipment while you’re abroad. This includes wheelchairs, walking frames, sticks, supplies and equipment designed to help provide mobility.
Get the most out of your trips with our helpful guides
Where are you visiting?
Explore our helpful guides for tips on remembering everything you need when travelling to one of our destinations.
Which activities do you have planned?
Want a worry-free trip? Don’t forget to add extra cover to your policy. Whether you’re planning a family holiday or setting sail on a cruise, we’ve got you covered.
