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Travel Insurance for Dementia 

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Specialist Travel Insurance for Travellers with Dementia

Dementia is a common pre-existing medical condition, affecting 1 in 11 people over the age of 65 in the UK, according to NHS.uk. It’s primarily associated with memory loss, but it can also change the way you speak, think, and feel. Dealing with dementia presents its own set of everyday challenges, making preparation vital if you’re heading abroad.

Whether you’re living with dementia or arranging cover for a loved one, our specialist dementia Travel Insurance is designed to offer added reassurance, covering unexpected medical assistance if needed while you’re away. It also includes cancellation cover in case your health changes and you are unexpectedly unable to travel, helping you plan your trip with greater confidence and peace of mind.

 

Travel Insurance for People Living with Dementia at Just Travel Cover

If you’re living with dementia or arranging travel for someone who is, it’s important to secure Travel Insurance with dementia cover. Managing symptoms abroad will require lots of planning and preparation, and with the right Travel Insurance, you can enjoy greater peace of mind.

Many people arrange cover on behalf of a parent, partner or friend, and our process is designed to make that as simple as possible. Once you’ve filled out our online form including a built in medical screening, we’ll present you with a list of policies tailored to include Dementia, and other pre-existing medical conditions declared. These normally include bronze, silver, and gold options, allowing you to compare only Travel Insurance policies that suit your needs. All you need to do is compare these options and levels of cover before choosing the right one for you.

 

What Questions Will I Be Asked When Applying for Dementia Travel Insurance?

To provide you with a quote for dementia Travel Insurance, we may need to ask a few medical questions, including:

  • Did you develop this condition as a result of Parkinson’s disease?
  • Do you require assistance with eating, washing, or dressing?
  • Do you require more supervision or assistance than you did 6 months ago?
  • When you travel, will you always be accompanied by someone you know?

Depending on your answers, we may need to ask some additional questions to make sure we fully understand your condition. If you’re answering on someone’s behalf, it’s helpful to have details about their diagnosis to ensure you can answer all necessary questions. Providing accurate information is crucial to ensure the policy offers the appropriate protection.

 

All policies and claims are subject to acceptance criteria and policy terms and conditions.

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Travel Insurance for Dementia

Single trip cover of up to 365 days

Annual Multi-Trip cover for up to 93 days per trip (terms apply)

Cover for hundreds of pre-existing medical conditions

High levels of cancellation and emergency medical expense cover

Lost documents, baggage, medications and medical aids cover

Three levels of cover bronze, silver and gold – to suit your individual needs

Travel companions can be included on the same policy

Zero excess policies available.

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What else is covered?

All our policies provide the following as standard:

Full cover for pre-existing medical conditions

Cover for emergency medical expenses up to £15m

Cover for repatriation

Cancellation cover up to £50,000 per person upon referral

Curtailment cover up to £12,500 per person

Baggage cover  up to £3,500 per person

Missed departure up to £1,500 per person

Emergency medical assistance available 24/7

Plus Smart Luggage – optional or included on gold.

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Travel Insurance for Dementia FAQs

What does Travel Insurance for Dementia cover?

Dementia Travel Insurance includes emergency medical expenses abroad if you need unforeseen assistance with or treatment for your condition. It also covers cancellation if you were to unexpectedly become unable to travel due to your condition worsening, and repatriation if this was deemed medically necessary. You’ll also get the usual benefits such as baggage cover, providing cover for your luggage in the event it becomes lost or stolen for added reassurance. 

Are travel options limited for those with Dementia?

Travelling with dementia is not without its challenges, though with the right planning and Travel Insurance, many people with dementia can experience their dream travels. You’ll need to check with your doctor to make sure you are medically fit to travel, and work with a relative or other family member to create a travel plan and arrange your Travel Insurance. This way, you can enjoy your travels with confidence and not let dementia hold you back.

How does having Dementia affect the cost of Travel Insurance?

Declaring dementia on your Travel Insurance may result in a higher price compared to someone who does not have dementia. But the cost of Travel Insurance also depends on other information you provide, such as your age, the destination, and length of your trip. If you have dementia, it’s vital to declare this on your policy as it is a pre-existing medical condition. Declaring all pre-existing medical conditions, including dementia, ensures you are properly covered.  Failure to declare a pre-existing medical condition could impact your ability to make a claim. 

Is there an upper age limit for Dementia Travel Insurance?

No. At Just Travel Cover we offer dementia Travel Insurance policies with no upper age limit, because we believe everyone should experience the freedom of travel. Whether you’re in your 60s, 70s, 80s or beyond, we’ll be happy to help you find specialist dementia Travel Insurance to help you on your journey, subject to overall acceptance criteria. 

Can I buy Travel Insurance for someone else with Dementia?

Yes, and in many cases, a relative or carer arranges the Travel Insurance on behalf of someone with dementia. During the quote process, you’ll be asked a few medical questions about the traveller’s condition.
If you’re arranging cover on someone’s behalf, be sure to answer these questions accurately, using information from medical notes or a care plan if needed. This helps ensure the policy includes the right level of protection should anything unexpected happen while they’re away.

Can I get Travel Insurance while I’m still waiting for a Dementia diagnosis?

Yes, in some cases it’s possible to arrange Travel Insurance while you’re awaiting a formal diagnosis, especially if you’re already experiencing symptoms. Some insurers may decline cover until a diagnosis is confirmed, while others may offer limited cover or higher premiums.

At Just Travel Cover, we work with specialist insurers who may be able to offer Travel Insurance for undiagnosed medical conditions, depending on your individual circumstances. This means we can often help even if you’re undergoing tests, investigations, or are on a waiting list.

Find out more on our page: Travel Insurance for Undiagnosed Medical Conditions

Or call us to discuss on 0800 294 2969

Please note, policies are subject to acceptance criteria, and cover may not include cancellation if the trip is affected by your upcoming appointments. It’s always important to answer questions honestly so we can help you find the most suitable cover for your needs.

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