MS TRAVEL INSURANCE

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.

More about TRAVEL INSURANCE.

More about MEDICAL CONDITIONS TRAVEL INSURANCE.

CAN YOU GET TRAVEL INSURANCE FOR MS PATIENTS?

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.

Getting travel insurance with MS can feel difficult or confusing if you’re not sure which insurers are best. A travel insurance specialist will be able to help you find the travel cover you need at a fair price.

WHAT DOES TRAVEL INSURANCE FOR MS COVER?

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

Travel insurance for people with MS will take into account equipment you may need for mobility. This includes equipment such as walking aids or wheelchairs. You may also travel with other special equipment or medication that requires cover. This should always be taken into consideration when you apply for travel insurance.

HOW MUCH IS MS TRAVEL INSURANCE?

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

HOW TO GET CHEAP TRAVEL INSURANCE WITH MS

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.

Your cheapest option won’t always be the best choice, especially for someone with MS. It is better to make sure you have the right amount of cover rather than the lowest price. Our travel partners will however ensure you never pay more than you need to for the level of cover you want.

WHAT IS THE BEST TRAVEL INSURANCE FOR MS SUFFERERS?

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

The right policy for you will depend on how often you travel and how much cover you need. Single trip cover can be a more affordable option and better if you do not travel often. Annual cover works well for frequent travellers, saving the hassle of multiple policies and applications.

DOES MS AFFECT WHERE I CAN TRAVEL TO?

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.

You should also always answer any medical questions you are asked honestly when you apply for cover. This makes sure you are properly covered for your MS no matter where you are travelling to.

WHAT’S THE AGE LIMIT ON TRAVEL INSURANCE FOR PEOPLE WITH MS?

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.

CLICK HERE for travel insurance for over 50s with MS.

COMPARE MS 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

Call 0800 954 0178 (Monday to Friday: 9am to 5pm | Saturday: 9am to 1pm)

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

Receive your tailored MS travel insurance quotes from our carefully chosen travel insurance partners.

OTHER INSURANCE PRODUCTS FOR PEOPLE WITH MS

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

Frequently asked questions about MS

What are 4 signs of MS?	4 common symptoms of multiple sclerosis (MS) are: Mobility problems Muscle spasms/stiffness/weakness Numbness or tingling Fatigue
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.