Travel Insurance with multiple sclerosis
- Tell your insurer about any pre-existing medical conditions to make sure you’re fully covered
- Consider covering everyone travelling in your party in case you have to cancel
- Take a copy of your travel insurance documents with you
If you have been diagnosed with multiple sclerosis and are planning to journey abroad, getting suitable travel insurance might be harder for you than for most travellers. There is no need to worry though as specialist insurers, such as AllClear, can provide you with the suitable cover.
What is multiple sclerosis?
Around 100,000 people in the UK are living with a multiple sclerosis diagnosis. It is a complex neurological, auto-immune condition which impacts the central nervous system and can cause a variety of physical and cognitive symptoms including muscle spasms, problems with vision, concentration difficulties, memory loss, fatigue and loss of balance and coordination. MS attacks the myelin, the protective layer surrounding nerves, causing inflammation, scarring and nerve damage.
Do I need to declare multiple sclerosis as a pre-existing medical condition when buying travel insurance?
Yes, if you have any form of muscular sclerosis you must declare it when getting a travel insurance quote. If when applying you are not asked to disclose your medical history, check the small print as it is likely that the policy will not cover you for pre existing health conditions. If you do not disclose your diagnosis when asked then even if an insurer has issued a policy they may later argue it is invalid if you make a claim.
Will having multiple sclerosis prevent me from getting travel insurance?
Muscular sclerosis is a long-term condition (albeit one that may offer period of remission) and as such classed as a disability under discrimination laws. This means insurers cannot refuse insurance to people with MS. They can though take into account your diagnosis (as a risk factor) when calculating your premium and/or may choose to limit or restrict the cover offered. As a longstanding disability insurance specialist AllClear is well versed in securing competitive and appropriate travel insurance for people with MS and other pre-existing medical conditions.
Information and support for people who have multiple sclerosis
For a mine of information on MS, its symptoms, its treatment and research into the condition visit the Multiple Sclerosis Society website where you can also find details of specialist MS nursing and financial support available to people with a diagnosis. You’ll also find research the condition on the NHS website.
AllClear take care of everything
Here at Fish Insurance, we’re proud to be working with travel experts AllClear Travel to provide you with cover for your next trip. AllClear’s team of experts will help find the cover you need at a price you’re comfy with. So if you’re planning your next break, all you have to do is decide where to visit first.
To get a quote or manage your policy call
Key benefits of AllClear’s cover*
- No age limits
- 1300+ conditions covered
- ‘Superior’ Covid cover** (includes return flight costs if you’re forced to stay due to Covid-19)
- Up to £15m medical emergency expenses cover
- 24/7 English-speaking medical emergency helpline
- Up to £25,000 for cancellation and cutting your trip short
- Up to £3,000 for your baggage
- Up to £500 travel delay cover
- Up to £1,000 optional cover for travel disruption
- Up to £2m personal liability cover
*All figures are per person and per trip
**Covid cover rated ‘Superior’ by a leading independent UK Consumer Champion in 2021
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And we don’t stop there…
We’ve answered some of the questions you may have about Travel Insurance
QAre there holidays for those with multiple sclerosis?
AYes. Having multiple sclerosis shouldn’t stop you from going on holiday. It’s important to research your accommodation and ensure it meets your needs, and to ensure you declare your multiple sclerosis when purchasing travel insurance. This means you’ll be adequately covered when you go away for the replacement of any prescription medications that may get lost or stolen and also for any medical treatment you may need to seek while you’re away.
QCan I get travel insurance with multiple sclerosis?
AYes, multiple sclerosis should not stop you being able to get travel insurance. The quote you will receive depends on any medication you’re taking or other conditions you may have.
QDo I need to declare multiple sclerosis as a pre-existing medical condition?
AYes. It’s always best to declare any conditions you’ve been diagnosed with when applying for travel insurance, including multiple sclerosis. This ensures any medication you may be taking will be covered, as well as any treatment for your multiple sclerosis you need to seek while you’re away.
QWill having multiple sclerosis prevent me from getting travel insurance?
AHaving multiple sclerosis shouldn’t stop you from getting travel insurance. The quote you will receive depends on the severity of your multiple sclerosis, any medication you’re taking, and other conditions you may have.
QCan I travel by air with multiple sclerosis?
AYes, many people with Multiple Sclerosis are perfectly okay to travel by air. We’d suggest consulting your GP to check it would be okay for you. If you need to bring extra luggage or mobility equipment, most airports have services that will help you to transport your luggage around the airport, but make sure to let them know you’re coming in advance. It’s important if you have particular accessibility needs that you let the airline know in advance so they can be prepared for your arrival and help to make your journey as smooth as possible.
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