Finding Disability Travel Insurance for Your Trip

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Having a disability shouldn’t prevent you from booking your next adventure; get Travel Insurance to ensure you’re covered.

Depending on your disability, you may find travelling and finding suitable disability Travel Insurance challenging, but Just Travel Cover is here to help.

You deserve to have a relaxing break just as much as anyone else; don’t let your disability stop you. Whether you’re looking for adventure or tranquillity, finding Travel Insurance for your disability will give you the confidence you need. There are varying types of disabilities, and no matter what you have, you’ll need to declare the condition that causes your disability, and we’ll aim to find a Travel Insurance policy to meet your needs.

Physical Disability Travel Insurance

A physical disability refers to any impairment of your  physical function in one or more limbs. Physical disabilities are quite common in the UK, with 22% of the population being affected in some way. If you have  a physical disability you may struggle to undertake normal tasks and could face difficulties when travelling. Such disabilities could include muscular dystrophy, cerebral palsy, spinal cord injuries, and amputations. If you were to experience a medical emergency relating to your disability, your Travel Insurance will cover you for any medical expenses as long as you have declared the pre-existing medical condition. This is why it is essential to declare any pre-existing medical conditions when finding disability Travel Insurance. You need to make sure your policy is best suited to you.

Developmental Disability Travel Insurance

Developmental disabilities are conditions caused by learning, language, or behavioural impairments. In the UK, there are 1.5 million people who have a learning disability, and these problems usually emerge during the developmental stage. Examples of development issues could include autism, Down syndrome, or Fragile X syndrome. Having Travel Insurance for your developmental disability, or the medical condition which led to it, will ensure you’re covered in the event of a medical emergency. 

Sensory Impairment Travel Insurance

A sensory disability is a neurological impairment that affects the brain’s capacity to properly absorb data such as sight, hearing, taste, touch, and smell. A sensory impairment can make everyday tasks challenging, but it shouldn’t prevent you from enjoying a relaxing holiday. The most common types of sensory impairment are sight and hearing, also known as deafness and blindness. If you have a sensory disability, it is important to declare it, or the condition that led to it, when taking out your Travel Insurance. By doing this, you can be confident that your disability Travel Insurance will protect you in an emergency.

Thanks to our online medical screening process and working with a panel of insurers specialising in pre-existing medical conditions, we aim to make finding disability Travel Insurance quick and easy. By answering the questions as accurately as possible, you’ll receive a list of possible insurers covering you for your specific disability. We are experienced in sourcing disability Travel Insurance, and we can help you too. If you would prefer to speak to someone over the phone, call us today.

Travel Insurance for Disabilities FAQs

Frequently asked questions about Travel Insurance people with for disabilities.

Do I have to declare my disability on my Travel Insurance?

Yes. The pre-existing medical condition that causes your disability will need to be declared when arranging your Travel Insurance. If you don’t declare your disability/condition, whether it be physical, developmental, or sensory, you could run the risk of not having the cover you need and being left facing hefty medical bills for any treatment that you receive while abroad. Nobody likes to think that something will go wrong while they’re on holiday, but it is best to be prepared for any situation.

How do I travel abroad with a disability?

When travelling with a disability, we recommend that you carry documentation that explains your condition and any specific equipment or medication you require. Some airlines may need proof of fitness to travel, such as a doctor’s note from your GP. 

Ultimately, you know what is best when it comes to living with your disability, so make sure that you’re especially prepared when travelling. Sort everything before you travel, whether it’s making sure you have enough medication, having all of the necessary equipment, or researching the accessibility of the areas you’ll be visiting.    

Can I get disability Travel Insurance for mobility equipment I travel with?


Yes, some disability Travel Insurance policies provide cover for mobility equipment and assistive equipment, such as wheelchairs, scooters, and hearing aids. Be sure to check the policy details and any cover limits.

What should I consider when selecting disability Travel Insurance for my needs?

When choosing Travel Insurance, consider factors like cover for medical emergencies, trip cancellations, lost/damaged mobility equipment, and accessibility-related expenses. Make sure to review your policy thoroughly so you know exactly what is covered under your Travel Insurance.

Is Travel Insurance with disability cover more expensive?

 Disability Travel Insurance is based on various factors, including medical history, destination, trip duration, age, and level of cover. While having a disability may affect the cost of cover in some cases, it’s essential to shop around and compare quotes from different insurers to find the best option for your needs. That’s where we come in. At Just Travel Cover, we work with a panel of Travel Insurance providers to help people with disabilities find a Travel Insurance policy suited to them. You can compare and choose a policy tailored to your needs.

Travel Insurance for Disabilities – Your Cover

  • Cancellation/ curtailment up to £12,500 (£30,000 on referral)
  • Missed departure up to £1,500 per person
  • Baggage up to £3,000 per person
  • Personal Liability up to £2 million per person
  • Zero excess policies available

Medical Cover for Disabilities

  • Emergency medical expenses and repatriation up to £15 million
  • 24/7 emergency medical assistance
  • Cover for all types of Disabilities

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Instant Cancellation Cover

Our online quote and medical screening engine enables you to compare and buy Travel Insurance quickly and easily.

Cancellation cover starts immediately from the moment of purchase for you and all the travel companions you insure under the policy, so you no longer need to worry about the unexpected and focus on getting ready for a trip of a lifetime.

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