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Disabled Holidays - Travel Insurance

Looking for Travel protection to suit your needs?

Then why not contact JS Travel Insurance? Disabled Access Holidays has partnered with JS who provide specialist travel insurance fully covering for people living with pre-existing medical conditions, disabilities, and serious injury.
Travelling with a disability need not put a dampener on your plans. JS provide cover for those who find difficulty in getting travel insurance elsewhere, whether it's because of medical conditions, disability, or age.

Some of the benefits of disabled travel insurance include:-

Travel with peace of mind knowing that your medical conditions are fully covered
You will have access to 24-hour medical emergency assistance
You have a choice of single trip or annual multi-trip policies
You can claim for lost baggage
You can claim if you need to cancel your holiday because of your medical condition
All ages. All medical conditions. All destinations.

Disabled Holidays - Travel Insurance

Travel Insurance for disabled people with complex needs.

JS Travel Insurance - Holiday Insurance for Disabled People

We strongly advise that you take out travel insurance before embarking on your holiday.

Get a no obligation quote online

Travel and Health Insurance for disabled people Get an instant quote from JS
No Obligation Quote! Pay online

or phone JS quoting DAH

Travel and Health Insurance for disabled people Call JS on 0800 043 0020
When calling please Quote ref: DAH

Opening hours: Monday - Friday 9am to 7pm, Saturday 9am to 5pm, and Sunday 10am to 4pm.

Medical Information Declaration

Youíll need to declare any medical condition which falls inside of the medical warranty, even if the condition has been treated and you no longer have medication for it.

It is possible you have had a medical condition that you no longer suffer from but it is on the list of medical conditions that simply must be declared.

The travel insurance company may ask for specific details, or your doctor may need to complete a form stating that you are fit to travel. You may be asked to sign a form stating that you are not awaiting treatment, for example.

Equipment Insurance

If you need to take expensive disability (mobility) equipment with you, make sure that it is insured for loss or damage. 

Mobility aids - including wheelchairs and scooters - are unlikely to be covered by standard travel insurance policies. You may have to pay an extra premium. Sometimes your household insurance may provide cover for these items. 

Specialist travel insurance for disabled people?

Some travel insurance companies offer cover to disabled people that meets their needs. However, some insurers do not cover disabled people who have a severe medical condition or a history of mental illness. You may need to arrange cover with a specialist insurer.

A specialist insurer such as JS may be right for you if you are travelling outside the UK for a long period of time.

Your rights as a disabled person

The Disability Discrimination Act (DDA) aims to end the discrimination that many disabled people face. Part 3 of the Act places duties on service providers, which includes travel insurance and travel companies providing services within the UK.

Companies have a duty to ensure that, as a disabled customer, they do not treat you less favourably than other customers, for a reason related to your disability, unless they can justify that treatment. So for example, they must not unjustifiably refuse to provide a service to a disabled person that they are prepared to offer other members of the public, nor must they provide the service on worse terms or to a worse standard.

However, the law allows travel insurers to apply special conditions or premiums to disabled people in a particular set of circumstances. For example they can charge a disabled person a higher premium if they can show that there is a greater risk in insuring a disabled person than a non-disabled person.

The travel insurance company can only justify this difference of treatment of a disabled person if:

  • the decision is based on information which is relevant to the assessment of the risk being insured
  • the information (such as statistical data, or a medical report) is from a source on which it is reasonable to rely
  • the less favourable treatment is reasonable when this information and all other relevant factors are taken into account

The special rules on travel insurance are explained in Chapter 9 of the Code of Practice  - Rights of Access document published by the Disability Rights Commission. The commission closed on 28 September 2007, but the website is still available. The document can be downloaded from the Disability Rights Commission's website in various formats.

The European Health Insurance Card

A European Health Insurance Card (EHIC), is for when you travel to another country in the European Economic Area (EEA) or Switzerland. It has replaced the E111 form. If you become ill while abroad, the EHIC gives access to state-provided medical treatment in the country you are visiting.

The card also covers any treatment you need for a chronic disease or pre-existing illness, and routine maternity care. Kidney dialysis and oxygen treatment are also covered but you will need to arrange these in advance. The EHIC does not cover you if medical treatment is the main purpose of your trip.

The EHIC is not a substitute for travel insurance, which is always recommended. There are some things that the EHIC does not cover, such as repatriation.

Expiry date

An EHIC is valid for betweeen three and five years. To see if yours is still valid, just check the expiry date on the card. You cannot use the card after it has expired so it is important to check before you travel. You can renew your card up to six months before the expiry date.

Please Note: The EHIC is the replacement for the E111. As of 1 January 2006, E111ís are not valid.

Information on Health Care Abroad -
E111 - More Information on travel insurance
Association of British Insurers