Disabled Travel Insurance: What to Look ForBy Limitless Travel -
Everyone loves that feeling of excitement and anticipation you get when you’ve just book a holiday. A lot of the time this excitement can make you forget the slightly more tedious tasks ahead of you such as booking flights and taking out insurance. Here, we’re hoping to clear up some of the key points you should consider when looking for disabled travel insurance.
Do I need Disabled Travel Insurance?
Like a lot of choices you may make before holiday the decision to purchase insurance is optional. Although, unlike the decision to bring the red or the blue beach towel, insurance carries a bit more weight. You never know what may happen in the future but insurance can provide a valuable peace of mind. With that being said, many holiday providers strongly advise taking out disabled travel insurance.
What to Look For
If you are thinking about taking out insurance, we have curated a list of topics to consider and enquire about. This is to ensure you get the most out of your insurance and choose the right provider for you.
If you’re planning to travel abroad a key thing to consider are medical expenses. As you may know, not all countries have access to free healthcare. One option you can pursue is taking out a European Health Insurance Card (EHIC). The problem is that there still can be costs when using health care systems aboard with a EHIC. To get complete and comprehensive cover It’s worth taking out separate travel insurance.
Loss of medication
One of the many holiday essentials you need to take could be medication. Losing that medication could require you to replace it immediately. If waiting to get home to get a new prescription isn’t an option you will have to buy new medication which can become very expensive.
If you cancel too close to your departure date you wont be able to get a refund but insurance can allow you to claim back the cost of the holiday. You may also have to return home from holiday in the case of an emergency.
Personal Belongings – mobility aids
When travelling you may be taking items that you couldn’t afford to lose or for them to become damaged. This can include large pieces of equipment such as scooters. Repairs can be costly and in the worst case scenario you may need to replace equipment entirely.
Do they cover all ages
There are many things that may affect the cost of your insurance and one of the main factors is your age. In your initial research and enquiries be sure the insurer can cover you due to your age.
Additional extras such as medical emergency support
Some insurers may include this as standard so its worth checking. If not you may have to ask if this is an additional product if you want this included.
If you’re worried about flights it may be worth checking to see if you’re flights are covered. This can be especially valuable if there has been failures on airlines side and wasn’t just due to factors like bad weather.
On a Limitless Travel holiday we can provide our own experience cares but you can still choose to bring your own. If this is the case you may want to explore options that can cover you for a replacement carer just in case something were to happen to your carer on holiday.
Read your insurance documents
One of the best pieces of advice we could give you is a very simple one; read your insurance documents once you’ve purchased cover. Keep an eye out and ensure you’ve got the right level of disabled travel insurance. Look out for scenarios such as: if you wheelchair costs £1,500 and you’re only covered to replacements up to the cost of £999.
That concludes our list but there’s still more you can do. There are plenty of insurance providers and brokers about who can offer advice and help when booking your disabled travel insurance. It can be worth getting a few quotes from different providers to see who can offer the most comphrensive cover for the cheapest price.
If you have not yet booked a holiday it’s worth your time looking at our selection disabled friendly and accessible tours. from classic British holidays in the Cotwolds to the sunbathed beaches of Cyprus and much more.