Disability Travel Insurance | Your Questions Answered
By Niamh Duffy -A big lesson in life is that you cannot prepare for the unexpected. So that’s why Limitless always recommends you get disability travel insurance, which can be tailored to personal circumstances giving you peace of mind to enjoy your holiday. For example, if you take medication daily and by accident lose it overseas, you may be covered for the cost to replace it! Many providers will also cover any mobility aids you take with you – but always check your policy just to be sure.
Do I need to declare pre-existing medical conditions?
Disability travel insurance covers a wide range of pre-existing medical conditions – from physical, intellectual to learning disabilities. A pre-existing condition is a diagnosed condition that existed before taking out the policy.
All pre-existing medical conditions affect your travel insurance, however the level it affects depends on how serious the condition is. Don’t let this put you off though… just make sure you shop around to find the best cover for you!
It is always worth checking before you travel with your insurance provider to ensure you are covered properly. It is often just a simple medical screening process of questions that are specific to your personal circumstances. But it is always a good idea to declare any conditions you have!
What is covered with disability travel insurance?
Disability travel insurance will vary from provider to provider to always make sure to read the fine print. However, most disability travel insurance is likely to cover to some extent:
- Cancellation
- Medical expenses & repatriation
- Theft/loss of belongings
- Personal accident
Don’t forget cover may also vary depending on the nature of your pre-existing medical conditions so always make sure to compare quotes!
You can also add on additional cover to your policy if you need it such as gadget cover, cruise cover or winter sports cover depending on what you have planned whilst you are on holiday.
Can I insure my mobility equipment?
Various disability travel insurance providers offer policies for mobility equipment such as wheelchairs or scooters. This can include accidental damage or sudden and unforeseen electrical or mechanical breakdown. However make sure to always check your disability travel insurance policy are some mobility equipment may already be covered!
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