Disability travel insurance

Having a disability shouldn’t affect your holiday plans, but unfortunately it can make it difficult to find an affordable travel insurance policy. Luckily, Insurancewith recognises this is an industry problem and has created a bespoke medical screening system which allows us to rate the risk of travelling with a disability correctly thereby offering far more affordable holiday insurance policies for disabled travellers.

Insurancewith specialises in travel insurance for disabled people and our policies have been designed with the following people in mind:

• those with a broad spectrum of physical and/or learning disabilities
• those with limited mobility or those registered disabled
• those with both long and short term disabilities
• those who take prescribed medication to stabilise their disability

We’re different from other specialist travel insurance providers because we ask you more questions about your medical situation in order to assess the risk accurately and provide you with a bespoke quote.

We work closely with the charity Genetic Alliance UK, who help us understand each of the thousands of rare genetic conditions which can cause disabilities. By fully understanding these conditions, we are able to offer cover where it has been refused by others. This also enables us to offer more affordable premiums, because by understanding the risk completely we can assess it and rate it accordingly.

We don’t try and fit your unique situation into a box; we recognise that everyone’s medical history is different. Insurancewith uses an innovative medical screening system, Protectif, which allows us to ask relevant questions to accurately assess your situation. This allows us to provide you with a competitive premium based on your actual medical circumstances instead of one based on a perceived idea about having a disability and its effects.

• Quick and easy bespoke medical screening
• Cover for stolen, lost or damaged medical and mobility equipment
• £10 million medical expenses cover
• 15% saving when you buy online*
• £1 donated to charity for every policy sold
• Easy-to-understand policies
• Specialist gadget cover as standard on Diamond and Platinum levels of cover
• Cover for cancellation, repatriation, medical expenses, personal possessions and more

We completely understand that discussing your personal medical information to a complete stranger over the phone can be uncomfortable and distressing, so our knowledgeable customer service advisors aim to be as caring and compassionate as possible when dealing with your call.

If you would rather stay online, you can read more about the policies that we offer here, get a quick and easy quote, or read our handy tips and advice sections. We also have a dedicated team on our Live Chat system, where you can chat as soon as you click the button on the right of the screening during business hours.

*(compared to our Call Centre premiums)

We have a range of single trip cover levels to choose from:

• Our Emerald policy is ideal if you are booking your trip at the last minute, or you do not require cancellation cover
• Our Sapphire policy is our original single trip policy that provides you with award-winning cover at affordable premiums
• Our ‘new’ Platinum policy provides enhanced cover including cancellation/ curtailment and if you cannot return home due to adverse weather conditions, plus many additional covers, and there are no policy excesses other than any excess that is applied to your medical condition.