When taking out travel insurance with your holiday provider, always check that it covers medical treatment and does not exclude ‘a pre-existing medical condition’.
The Equality Act 2010 makes it illegal for insurance companies to charge a disabled person more for an insurance policy without evidence that proves that the disabled person is a greater risk than a non-disabled person.
If you are travelling within the European Economic Area and Switzerland, you need to get a European Health Insurance Card (EHIC). The Department of Health, working with the NHS Prescription Pricing Authority (PPA), provides the EHIC free of charge.
This card replaces the older E111, which is no longer valid. You can apply for a card over the phone on 0845 605 0707, online on www.ehic.org.uk or get an application form from the Post Office.
The insurance providers listed below specialise in catering for disabled people or people with a pre-existing medical condition.
Muscular Dystrophy UK cannot endorse any particular insurance company; you need to make sure that you are happy with the company you choose.
Specialists in providing travel cover for people with pre-existing medical conditions.
Telephone: 01892 829501
All Clear Travel Insurance Services
Offers travel insurance for everyone regardless of age, medical conditions or travel destination
Telephone: 01708 339026
Offers specialised travel insurance for people with pre-existing medical conditions.
Telephone: 0800 068 0060
Freedom Insurance Services Ltd
Specialises in providing travel insurance to people living with pre-existing medical conditions.
Tel: 01223 446914
Provides travel insurance to people with pre-existing medical conditions.
Tel: 020 3829 3875
The Insurance Helpline
Provides travel insurance for people with a pre-existing medical condition.
Tel: 0141 248 9787
Website with insurers listed: