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Travel insurance is essential for anyone with a pre-existing medical condition. MS is just as critical because of how unpredictable symptoms can be. You should make sure that you’ve got sufficient cover in place when traveling abroad. This will protect you if anything should happen while you are away.

Travel insurance is the best way to protect yourself on holiday. In the event something goes wrong, travel insurance can prevent huge bills and financial difficulty. You will be covered if your flights are cancelled, you lose a valuable possession or need medical treatment.



If you have MS, it can be harder to get travel insurance without the right help and advice. As MS is classed as a disability, insurers legally can’t refuse to cover you based on your MS. They can however charge higher prices or limit what you are covered for.

The best thing to do is to speak to a travel insurance specialist. A medical travel insurance expert will know the right insurers to apply to for people with MS. You may also need to prove to the insurance company that you are fit to travel. You can usually do this via a note from your doctor or GP.


Standard travel insurance won’t cover existing conditions like MS. This is why it can be useful to look at specialist comprehensive travel insurance policies that include MS cover specifically.

Medical travel insurance covers you for a range of different events that could happen while you are away. Having travel insurance in place can give you peace of mind that you are protected, should something go wrong.

MS travel insurance will cover you for:

  • Medical expenses and repatriation (up to £15million)
  • 24/7 medical assistance
  • Cancellation cover
  • Flight delays or missed departures
  • Personal liability
  • Lost baggage or hand luggage
  • Replacing prescribed medications or mobility aids


If you need travel insurance and have been diagnosed with MS, then you’ll generally find that prices will be different. Our travel insurance partners offer expert advice for people with MS and other medical conditions to get the best cover from the UK’s best travel insurers.

If you’ve got benign, relapsing-remitting, or progressive MS then you’ll need to disclose details about your health to us so we can give you the lowest premiums. The cost of your cover will depend on factors like:

  • Destination
  • Length of stay
  • Type of insurance (single trip or annual)
  • Type of holiday (e.g. cruise cover)

If you have MS, premiums will also vary due to:

  • Your age
  • When you were diagnosed
  • Severity of symptoms
  • Any MS complications
  • Other medical conditions (related or not)
  • Medication or medical equipment that needs to be covered

You should make sure that if anything happens to you while you are abroad that you have proper cover to avoid costly medical bills.

Medical treatment can be expensive when outside the UK, so your travel insurance policy will protect against this eventuality. It’s essential to disclose everything about your MS to make sure that you are correctly covered.


There isn’t one ‘best’ type of travel insurance for someone with MS. It is certainly worth looking into specialist policies or providers though, to ensure you get the right level of cover.

There are two main types of travel insurance you can choose between:

  • Single trip cover: covers one specific trip/holiday
  • Annual travel cover: will cover multiple trips within 12 months


Specialist travel insurance policies won’t restrict where you can travel to. You can travel wherever you like with an MS travel insurance policy. It is best to remember though that the cost of medical treatment can vary massively from country to country.

If you are going on a long haul holiday, you may need more cover due to expensive medical costs in locations such as America. And without travel cover, you could end up with massive medical bills if you need treatment while overseas.


Our amazing travel insurance partners can provide excellent MS travel insurance policies with NO AGE LIMIT. All you need to do is enter a few basic details about your trip and your health and you can receive personalised travel insurance quotes.


The MS Society estimates there are around 130,000 in the UK living with MS, with 7,000 new diagnoses every year.

If you need advice about MS and travel insurance, here are some easy steps to follow to get support plus the best quotes.

1.    Call and speak to a travel insurance expert (or get a quote online)

We would always advise getting travel cover as soon as you can once your holiday is booked. This way you are fully protected against anything going wrong, even before you leave.

CLICK HERE for a free online MS travel insurance quote

2.    Answer some quick and easy questions about your trip

Answer a few simple questions about your holiday and your MS (medical screening) to help us find you the cheapest quotes.

3.    Get your personalised quote for MS travel insurance UK


Here are more insurance policies that can be useful for people with MS:

What are 4 signs of MS?4 common symptoms of multiple sclerosis (MS) are:

Mobility problems
Muscle spasms/stiffness/weakness
Numbness or tingling
What is MS (Multiple Sclerosis)?MS is a life long condition that affects the brain and spinal cord. The severity of MS symptoms can vary from person to person.

MS is one of the most common causes of disability for young adults.
Can you travel with MS?YES – MS shouldn’t prevent you from going on holiday like anyone else. It can just take some additional planning to make sure you have enough medication and the right equipment.

It is also best to have travel insurance in place, in case something goes wrong while you are away.
How common is MS in the UK?According to the MS trust, around 6,700 people are diagnosed with MS in the UK every year.

In the UK, the chance of developing MS is around 1 in 133.


National MS Society – Travel

Fit for Travel (NHS Scotland) – Multiple sclerosis and travel

MS Trust – Holidays

MS Society – Breaks and holidays for people with MS

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What does Martin Lewis say about travel insurance?

Martin Lewis provides lots of guidance for holidaymakers who are searching for the best deals on their travel insurance. One of the biggest recommendations from Martin Lewis travel insurance advice is ‘ASAB’ (As Soon As you Book), which basically translates to suggesting that you should buy your travel insurance as soon as you’ve booked your holiday.

In an interview on This Morning talking to Martin Lewis about travel insurance, he claims that he is constantly being asked by consumers, “what can I do if I’ve been diagnosed with a medical problem and I can’t go on holiday because my travel company won’t give me a refund?”. According to Martin Lewis travel insurance recommendations, 50% of the value of your travel insurance cover is before you are due to travel.

Top reasons for holiday cancellations before travelling:

  • Sickness or illness
  • Accidents causing an injury
  • Emergency at home
  • Family emergency
  • Work commitments
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https://www.iaminsured.co.uk » guides

Martin Lewis Travel Insurance - iam|INSURED

Is it worth taking out travel insurance?

Almost all financial experts such as Martin Lewis and citizensadvice.org.uk, strongly recommend that you take out a travel insurance policy and that you do it quickly. The financial and emotional impact of not having travel insurance while overseas can be catastrophic if you require medical treatment or if you are victim of a crime.

The cost of travel insurance is generally affordable for most holidaymakers and you should factor this in to the cost of your holiday. Risking not having travel insurance and then having a medical emergency when you are overseas, especially in certain destinations, can cost you thousands.

What does travel insurance cover?

Most travel insurance policies will provide the same core elements such as medical emergencies, repatriation, legal expenses, loss, theft or damage to personal belongings, and cancellation or curtailment of your trip. The types and levels of cover can vary dramatically from one policy to another so you should make sure that you’re getting the cover that you want and that you need.

Also, some travel insurance policies won’t cover you for certain destinations, activities or types of holidays, such as:

  • Cruise holidays
  • Winter sports
  • Worldwide travel
  • Pre-existing medical conditions

Note: Travel insurance will generally exclude any accident or injury that has happened whilst under the influence of alcohol or drugs.

What is classed as a pre-existing medical condition for travel insurance?

According to one of the UK’s top travel insurance providers, Staysure clearly states that ‘you must declare ALL pre-existing medical conditions when your take out a travel insurance policy’. Witholding any information about your health or medical history could expose you to the risks of rendering your cover invalid and therefore class any claims as ‘null and void’.

Any of the following pre-existing conditions must always be disclosed on your travel insurance application:

  • Cardiovascular conditions (e.g. blood pressure, cholesterol, heart disease etc.)
  • Cancer(s)
  • Any Stroke or Transient Ischemic Attack (TIA)

You should also let your travel insurance provider know about any of the following medical investigations, tests or treatments in the past two years:

  • Symptoms (whether or not you have consulted a doctor)
  • Medication or treatments
  • Scans or investigations
  • Medical appointments and check-ups
  • Surgery
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https://www.iaminsured.co.uk » guides

Martin Lewis pre-existing medical conditions - iam|INSURED

How much should I spend on travel insurance?

According to a recent travel insurance survey carried out by Forbes Advisor’s Analysis (Average cost of travel insurance 2023), the average cost of travel insurance is between 5% and 6% of the cost of your trip.

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