Travel insurance covering children with disabilities

At this time of year, one of the questions coming in to our helpline is about travel insurance that will cover children with pre-existing conditions. Many people have travel cover potentially included with a service they already use, such as car insurance, a membership subscription or a bank account, but they have looked in the small print and found that pre-existing conditions are excluded.

Should you be in this position and wish to know where to find an insurer that will provide cover, the list below is a place to start. Some of these companies only cover for certain conditions. (Listing these companies does not imply that Cerebra recommend any of them, only that we know they are there. Please make sure you check that they are suitable for your needs.)

Accessatlast Ltd.

Access Travel specialises in travel with wheelchairs.

AllClear Insurance Services.

Antur Insurance (South Wales).

Fish Insurance.

FML Insurance Services Ltd.

Fogg Travel Insurance Services.

Freedom Insurance.

National Autistic Society autism-friendly holiday insurance.

P.J. Hayman & Co. Ltd., a group of specialist travel insurance companies, each covering different requirements.

Pulse Insurance.

Staysure

A holiday advice organisation that may know of other insurers is Tourism for All.

Government advice about travel with disabilities, which includes insurance, booking, taking medication abroad, law, access, finance, airports and so on.

Other things worth thinking about in advance include:

For travel in the UK, the National Key Scheme for access to toilets for people with disabilities (not all toilets are kept locked, but for those that are), http://nks.directenquiries.com/nks/page.aspx?pageid=10&tab=National+Key+Scheme&level=2 and https://crm.disabilityrightsuk.org/sites/default/files/pictures/RadarKey_Flyer.pdf.

For travel in Europe, a European Health Insurance Card (EHIC) is needed. These cards should be free of charge but they go out of date, so if you already have one it is worth checking that it will still be valid when you travel.  Further details: http://www.moneysavingexpert.com/travel/free-ehic-card.