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How to get the best travel insurance for people with disabilities

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May 6, 2014
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Finding the right travel insurance can be difficult and stressful if you have a pre-existing medical condition or disabilities – but there’s no need to pay absurd premiums.

Many insurance providers charge high premiums to cover the requirements of customers with disabilities or pre-existing medical conditions (ailments which existed before an insurance policy was taken out) – and some won’t offer you any cover whatsoever. shutterstock_69112501

But Adrian Flux offers tailor-made policies to suit every traveller, whatever their medical history – and what’s more, once you’re insured with Flux, you won’t need you to tell them about any new medical conditions until your renewal date.

Travel policies may not always contain a specific exclusion for pre-existing conditions or disabilities, but they will often have a condition or warranty that requires the customer to confirm that they are in good health.

If the customer fails to declare any pre-existing conditions that they are aware of, the insurer would then seek to reject any claim on the basis of a breach of conditions.

This means, for example, that if you failed to declare that you were an asthmatic and went on holiday with only a standard policy and then suffered an attack that required medical treatment, your insurer wouldn’t be obliged to pay out.

Historically, around half of the health-related travel insurance complaints handled by the Ombudsman involve disputes over non-disclosure of a pre-existing medical condition – so it pays to have the right policy.

It’s vital that your insurer knows as much about your medical history as possible in order to make sure that you have the right cover to give you peace of mind as you go on your travels.

Insurers expect consumers to disclose all relevant information at the time you take out your policy and at Adrian Flux, staff are trained to ask you the questions that will make sure you have the right policy for you.

You will be asked to:

  • Declare any medical conditions for yourself or all members of your party.
  • Declare any medical conditions under review, even if you’re not on medication.
  • Declare any significant injuries you have had in the last 12 months.

Call centre staff won’t ask any unnecessary questions: their only concern is making sure you have the cover you need while you’re away from home.

As part of your policy, you will have cover up to £300 for the urgent replacement of lost medicine and if your carer has a policy and falls ill, Flux will cover the cost of flying a replacement carer to you. Wheelchairs and mobility aids, plus the cost of hiring replacements, is also covered.

* For more information about Adrian Flux’s travel insurance policies for people with pre-existing medical conditions or disabilities, call 0800 081 0131 or visit

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