Travel Insurance with muscular dystrophy
- 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 muscular dystrophy, are you finding it a little more difficult to find appropriate or low cost travel insurance? Speaking to a specialist insurer, like AllClear, can provide you with the insurance you require, covering both you and your condition.
What is muscular dystrophy?
Muscular dystrophy is an inherited and progressive muscle-wasting condition. Despite its singular title there are many different forms which can develop either in child or adulthood, with Duchenne muscular dystrophy being the most common diagnosed. The condition sees muscles progressively weaken and failing to repair, causing physical disability which worsens over time. Whilst it is incurable there are symptom-relieving medical treatments available as well as surgical options to correct postural changes and mobility assisting aids and therapies.
Do I need to declare muscular dystrophy as a pre-existing medical condition when buying travel insurance?
Yes, it is imperative that when applying for your travel insurance that you disclose that you have muscular dystrophy. If you do not declare any pre-existing health condition then it might you are not insured as your insurer may deem that your non-disclosure has invalidated your policy. This would mean that should you fall ill abroad you may need settle your own emergency medical bills and associated expenses such as medical repatriation by road, ferry and/or air if required.
Will having muscular dystrophy prevent me from getting travel insurance?
It would in fact be illegal under discrimination laws to refuse you insurance because as a chronic condition muscular dystrophy is classed as a disability. That’s not to say that an insurer might require you to pay more or that they place special restrictions on your policy. The good news that specialists like AllClear are well versed in securing highly competitive travel insurance for people with muscular dystrophy and other pre-existing medical conditions.
Information and support for people who have muscular dystrophy
The charity Muscular Dystrophy UK makes advice and support available to the estimated 70,000 people in the UK who suffer from the disease, and those, such as carers, who are affected by it. Independent and expert commentary on the causes, symptoms and treatment of muscular dystrophies is also provided by the NHS.
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
See what our customers are saying about Fish’s service
And we don’t stop there…
We’ve answered some of the questions you may have about Travel Insurance
QCan I get annual travel insurance if I have muscular dystrophy?
AYes, muscular dystrophy should not stop you being able to get annual travel insurance cover. The quote you will receive depends on any medication you’re taking or other conditions you may have. You’ll need to make sure you keep your insurer informed if any of your medical circumstances change during your period of cover, otherwise you could find yourself on holiday without the right level of protection.
QWill having muscular dystrophy prevent me from getting travel insurance?
AHaving muscular dystrophy shouldn’t stop you from getting travel insurance. The quote you will receive depends on the severity of your muscular dystrophy, any medication you’re taking, and other conditions you may have.
QDo I need to declare muscular dystrophy 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 muscular dystrophy. This ensures any medication you may be taking will be covered, as well as any treatment for your muscular dystrophy you need to seek while you’re away.
QWill I be able to get travel insurance with muscular dystrophy?
AYes, muscular dystrophy 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.
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