Travel insurance for Multiple Sclerosis

Getting the right travel insurance with MS

Whatever you want from your holiday, you’ll want proper protection to  cover your multiple sclerosis and your travel.

Having multiple sclerosis shouldn’t mean it’s harder to get cover for your holiday. With Staysure, it isn’t.

We know one size doesn’t fit all. So we help all our customers tailor a policy that’s just right for them. We like to do it right.

It’s what’s helped make us the UK’s Most Trusted Travel Insurance Provider in 2017 and 2018 by Moneywise.

You’re just a few minutes away from getting that cover sorted.

You can get your tailored quote online or to talk to us now on 0800 033 4902.

Get a Quote

Do I need to declare MS for my holiday insurance?

Whether you have multiple sclerosis that is benign, relapsing remitting or progressive, it’s best to tell us, because it means we can make sure you’re properly covered.

It may not be nice to think about having to make a claim on your policy, but actually it’s not that uncommon. In fact 1 in 20 people did claim on their Annual Travel Insurance in 2017*.

If you have a condition but don’t add it to your policy, it could very likely affect the chance of a claim being accepted.

That’s why it’s really important to declare all conditions that you have – even if you think they aren’t important or that you won’t need to claim.

With proper insurance for your MS and other conditions, you get peace of mind. Isn’t it worth doing it right?

Do I need a European Health Insurance Card (EHIC) to cover my MS condition?

For holidays and trips to Europe, it’s a condition of our insurance that you get an EHIC.

An EHIC is free and means you can have subsidised or free healthcare in most European countries when using their state healthcare provider – like our NHS.

So an EHIC can help to reduce your potential medical costs where subsided healthcare is available. But you should be aware: it doesn’t cover non-medical issues that can go wrong.

If you have to cancel your holiday, or if you have to pay for medical transportation home, EHIC cannot help you with that. So while you should take it along, using your EHIC isn’t a substitute for good travel insurance.

EHIC covers all EEA countries (all EU members plus Iceland, Norway, Lichtenstein and Switzerland). However, a few places within the EEA, such Monaco and Jersey, do not accept EHIC. So please check carefully that your holiday destination is definitely covered.

If you can use your EHIC and you’ve still had to pay a subsidised fee for healthcare, we’ll remove the excess fee for medical emergency claims.

Getting travel insurance for MS when you have other pre-existing medical conditions

As well as tailoring your quote to add your MS condition, we also consider all other pre-existing medical conditions. If you don’t see a condition relevant to you listed on our pages, just ask us – we’re to help. You can call us about this or any other aspect of your policy cover on 0800 033 4902.

We believe in doing insurance the right way, so we’ll ask you some questions about your conditions. We call it a medical screen.

This process also makes sure that we treat everybody fairly and equally. It’s thorough but it’s straightforward, and it won’t take too long.

So whether you have MS-related conditions such as epilepsy, bladder conditions or depression, or something unrelated such as allergies or asthma or eczema, it’s worth telling us about it.

We’ll go through what’s involved in the medical screen for MS below:

What will I be asked during the medical screen?

When you apply for holiday insurance, we’ll ask you a few questions about your MS and other conditions you have.

It’s nothing to be worried about, but we do need you to answer these questions honestly and fully. Giving a false answer could invalidate your policy.

So it can help to make sure you have the answers to hand before you start.

Here’s a list of common questions we ask people with MS:

• Has your ability to look after yourself worsened significantly in the last year?
• Do you currently use any mobility aids?
• Have you had any acute relapses over the past year?

Once you’re ready, either start your quote online, or talk to us on 0800 033 4902.

Types of travel insurance policies we offer

We offer two types of policy to suit you and your family’s travel plans:

Single Trip Travel Insurance is perfect for a one-off holiday and has no upper age limit. From UK breaks to worldwide tours, our Single Trip policy has you covered. Once your holiday is over, your cover will stop too. You can stay for up to 104 days at a time and add in as many destinations as you like!

Annual Travel Insurance can cover all of your trips in a year if you’re planning on going on more than one holiday. With no upper age limit, it can even save you up to £79** compared to buying a single policy for each trip you take. For under 70s, you can stay for up to 50 days in any one trip up to a total of 183 days. Although this can be extended up to 100 days for one trip for an additional premium.

All our policies can be tailored to suit your personal travel plans to make sure you’re covered properly.

Taking a longer trip?

If the above two policies aren’t long enough to cover your travel plans, you might want to consider one of our long stay policies. For under 65s, our long stay plan lets you travel for up to 550 days – which is great if you’re trotting the globe or immersing yourself in a new culture!

Here’s a simple comparison between our two levels of cover – available on both Single Trip and Annual Travel Insurance policies.

What does our travel insurance cover?