Tommy Lloyd
Author: Tommy Lloyd, Managing Director

Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover for their medical conditions.

Originally posted: 1st Oct 2024

Why Do I Need Travel Insurance for Multiple Sclerosis?

Multiple sclerosis (MS) symptoms vary from person to person. But, depending on the type of MS you have, symptoms can gradually worsen over time or flare up in different phases, including on your holidays.

With MS being such a complex condition, you may find a standard travel insurance policy isn’t enough for your needs. But don’t worry; you can use our tool to compare travel insurance quotes suited to you within minutes to ensure you get the right insurance for your specific needs. It’s simple and easy.

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Do I Have to Declare MS on My Travel Insurance Policy?

If you’ve been prescribed medication or seen a medical professional (such as a GP) in the last two years for your MS, you will need to tell us about your condition. If you're getting a group policy, remember to also include any relevant health conditions of your travelling companions.

As part of a medical screening, we’ll ask you a few questions about your health condition. Your answers will help travel insurance providers give us the best policy options for you.

For people with MS, these questions could include:

  • Do you require more assistance than you did 12 months ago?
  • Do you currently use any mobility aids?
  • Have you had any acute relapses in the last 12 months?

It’s then really easy to compare specialist quotes from up to 30 different providers to find a policy that includes MS and that suits you. There is no paperwork, no phone calls, and no hassle.

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What Will Travel Insurance for MS Cover?

Alongside providing cover for your MS, you can expect your travel insurance to include the same things that a standard travel insurance policy would include, such as: 

  • Emergency medical expenses and repatriation - if you’re hospitalised or even need to be brought back to the UK for treatment due to your condition. 
  • Lost, stolen or damaged personal belongings - this could include any medication that you’re taking with you.
  • Cancellation and curtailment - if you suddenly have to cancel your trip or cut it short.
  • Travel delay - this won’t always be included, so check your cover
  • Personal liability - if you cause accidental damage to another person or someone else’s property - cover is provided.

You can compare this type of cover across a range of specialist travel insurance providers, so why not get started?

Finding Travel Insurance Cover for MS

Because MS can be very challenging and gets worse over time, it is essential to find the right specialist travel insurance. This will give you peace of mind, knowing that any problems related to your condition are covered while you travel.

MS patients can still travel and enjoy themselves, provided they take the proper precautions to manage their condition while they are on the move. This includes taking all the proper medication, getting support from others, and using mobility aids.

If you suffer from MS and are considering booking a holiday – you may wish to consult your GP beforehand to get a second opinion.

They may well be best placed to advise you on what you should and shouldn’t do to ensure your trip is memorable for all the right reasons. It is also wise to inform your airline if they need to make any special considerations on your behalf in terms of individual assistance.

Dr Sarah Jarvis, MBE

Top Tips for Travelling with Multiple Sclerosis

Dr Sarah Jarvis is the Clinical Director of the Patient Platform, an active medical writer, broadcaster, and the resident doctor for BBC Radio 2.

Every person with multiple sclerosis, or MS, experiences it differently. You may feel almost entirely well between flare-ups or face significant ongoing physical challenges. But regardless of your symptoms, there’s no reason you shouldn’t go on holiday.

However, there are considerations if you have a physical disability and several MS-specific factors to consider. Discover them all in my guide, tips for travelling with multiple sclerosis.

READ MORE: Travelling with Multiple Sclerosis

Optional Extras

Also, feel free to add any optional extras that you need - such as gadget cover, cruise cover or winter sports cover.  

This may increase your premium, but it’s definitely something to consider when shopping around, especially if you have different types of holidays planned.

Gadget cover

Cruise cover

Winter sports cover

Get Cheap Quotes from Specialist MS Travel Insurance Providers

Use our straightforward quote comparison tool to find the cover you need. It takes minutes. You can compare MS cover across a range of specialist insurance providers, all in one place, so there should be plenty of choices. 

Once you’ve got everything sorted, you can get on with the good stuff and start planning your trip.

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Frequently Asked Questions

We'll ask you a series of questions about the medical history for you and any travellers on your quote. If you answer yes to any of these, you will need to tell us more about that condition. This could be a condition that a traveller has now or has had in the past. This makes it easy to know what you need to disclose.

If you are not sure what conditions you need to declare, we have online support available to help you 24/7!

It’s easy to tell us about your medical conditions! After you've provided your trip details and answered some medical history questions, you can add your pre-existing conditions, one by one, for each traveller on your policy. You'll only need to enter your details once; it's all online, and there's no need to call or provide details of your conditions in writing.

Once you've declared all your relevant pre-existing medical conditions, we'll only show you quotes that cover the conditions you have told us about.

No, we are unable to provide cover that excludes any of your pre-existing medical conditions.

Some travel providers may be able to provide some cover, but the value might not be enough to cover the cost of your item - it's always best to check your policy wording, it will usually be found in the baggage or personal belongings section. You may also like to check your home insurance policy - this can sometimes allow cover for your mobility aid whilst away from home but may be limited to within the UK. If your mobility aid cannot be covered in either of these ways, you may like to consider taking out specialist insurance.

* Price is based on 1 traveller aged 61, who has declared Multiple Sclerosis and is travelling to France for 7 nights. The price is correct as of October 2024. Prices may vary according to your individual requirements.


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If we're unable to help you find cover for a pre-existing medical condition, the Money Helper Directory has listings of companies that may be able to assist you. Further details can be found on their website.

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