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.
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.
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.
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.
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
MS travel insurance is a specialised policy designed to protect individuals living with multiple sclerosis.
Standard travel insurance policies often exclude pre-existing medical conditions, which can leave travellers with MS without the necessary protection if they require medical treatment related to their condition while abroad.
MS travel insurance ensures you have appropriate coverage for medical expenses, cancellations, and other unforeseen events, giving you peace of mind to enjoy your trip safely and confidently.
Yes. If you’ve been prescribed medication or seen a medical professional for Multiple Sclerosis, in the last two years, you’ll need to tell us about your condition.
Furthermore, you need to also declare any other pre-existing medical conditions you may have. This helps us provide quotes that fully cover your specific needs. You’ll also need to include relevant health details for any travelling companions if you’re applying for a group policy.
Specialist MS travel insurance includes:
- Emergency medical expenses and repatriation (returning to the UK for treatment if needed).
- Cover for personal belongings, including any MS-related medication or equipment you’re travelling with.
- Trip cancellation or curtailment if your MS symptoms worsen unexpectedly and you can’t travel.
- Travel delays - depending on your chosen policy.
Yes, you can! While your premium depends on factors like the severity and history of your condition, we partner with over 30 specialist travel insurance providers to ensure you receive competitive quotes. Start your personalised search today and see how much you could save. Get a quote.
Yes, you can travel safely with multiple sclerosis, but planning and preparation are essential. Make sure to consult with your healthcare provider before your trip to ensure you are medically fit to travel.
It’s also a good idea to carry a letter from your doctor detailing your diagnosis, medications, and any special requirements. Staying hydrated, managing stress, and taking regular breaks during travel can help manage symptoms.
Yes, many policies include cover for mobility aids like wheelchairs, scooters, and walking frames. However, the level of cover may vary between providers. It’s a good idea to check the baggage or personal belongings section of your policy wording and consider specialist insurance if additional cover is needed.
If your MS symptoms worsen while travelling, it’s important to stay calm and seek support. Begin by resting and adjusting your schedule to avoid overexertion.
If your symptoms continue to worsen, contact a local healthcare provider or hospital for assistance. Make sure you contact your travel insurance provider, who will be able to provide you with guidance.
Travelling with MS is entirely possible with proper preparation. Some tips include:
- Speak to your GP to ensure you’re physically ready and to gain advice tailored to your condition.
- Arrange assistance if needed, such as notifying your airline in advance.
- Pack extras of your medication and mobility aids for peace of mind during your trip.
For more details, check out our guide to Travelling with Multiple Sclerosis written by Dr Sarah Jarvis, which offers expert advice and tips for a stress-free holiday.
* 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 January 2025. Prices may vary according to your individual requirements.
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