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Can I get travel insurance if I have multiple sclerosis?
We know there are extra things to consider when taking a trip with multiple sclerosis – getting around, managing symptoms, and the worry of relapses or needing urgent medical care. But getting great travel insurance shouldn’t have to be another challenge.
Because we’re specialists in medical travel insurance, we can often cover multiple sclerosis. Just let us know about your multiple sclerosis and any other pre-existing conditions when you get a quote.
You deserve the right support to embrace life, including the trips you want to take. We’re here for you. And if something doesn’t go to plan, our experienced emergency medical advisors are available 24/7 to help you get the right care and cover the costs of emergency treatment.
Why get travel insurance for multiple sclerosis with Staysure?
We’re specialists in covering medical conditions, including multiple sclerosis.
We’re by your side day or night, with specialist medical advisors available 24/7 abroad during your trip.
We’re specialists in covering medical conditions, including multiple sclerosis.
Get unlimited emergency medical cover with no excess on our Signature policy.
Cover for lost luggage, cancellations, and more.
How Staysure multiple sclerosis cover works in three easy steps
To get cover, you’ll need to declare your multiple sclerosis to us when getting a quote for travel insurance. We make it easy to tailor a quote to your trip and health.
1. Tell us about your trip
To get started, we’ll need to know:
if you need cover for one trip or multiple trips
who the insurance is for
where you’re going and how long for
2. Let us know about your multiple sclerosis
Our simple medical screening helps us understand you better.
Some things we’ll ask about include:
your support needs in the last year
any acute relapses in the last year
any mobility aids
Don’t forget to let us know about any other pre-existing medical conditions.
3. Get your quote
If you complete the screening and we can cover you, your tailored quote will be available to view online and emailed to you. It includes travel insurance tailored to cover your condition(s).
Explore and choose from three levels of cover to suit your needs (as below).
Choose optional add-ons to tailor your quote to your trip, including winter sports or cruise plus benefits.
What does multiple sclerosis travel insurance cover?
It’s natural to feel uneasy about the what ifs, like falls or infections with multiple sclerosis. That’s why we’re always here when you need us.
We’re available 24/7 if you need to access a doctor or emergency care whilst away.
Unlimited emergency medical expenses with our Comprehensive and Signature policies.
No matter where you are or the time of day, we’ll help get you in safe hands and cover the expense of getting you there.
If your health means you need to unexpectedly cancel or cut your trip short, we’ll get you home safely without the extra expense. That includes travel to the airport, any medical assistance or accommodation you need en route, and cancellation costs up to the agreed amount of your cover level.
We’ll help with:
coordinating care with your medical team back home
accommodation if you need to extend your stay
taking care of your transport arrangements, including travel to your local hospital if needed
rebooking flights and transfers
When you’re travelling with multiple sclerosis, you want to know you’ve got everything you need. But it can be tricky to track down medicines abroad.
If you ever find yourself short while you're away, we’re here to help. We can assist you in locating a nearby pharmacy that stocks your medication, so you’re not left searching in an unfamiliar place.
Just so you know, the cost of replacing medication isn’t something we cover – but we’ll still do what we can to make the process easier.
How much does travel insurance cost with multiple sclerosis?
Having multiple sclerosis shouldn’t always mean having to pay the highest premiums – we know it can affect people in different ways. That’s why our offer is tailored to your individual circumstances and travel plans.
You can find out how much your tailored policy costs in minutes with our simple medical screening when you get a quote.
For people who have trouble finding travel insurance for pre-existing medical conditions, the British Insurance Brokers' Association (BIBA) has a directory of specialist insurers, like us!
To find out more, or if on the odd occasion we are unable to provide the cover you need, contact BIBA on 0370 950 1790. You can also search BIBA’s medical directory online.
Flexible cover add-ons to suit you
Tailor your insurance to your trip with optional add-ons. Everything you need, covered under one policy.
Travelling is still possible, though it may mean adapting to your body’s changing needs.
“Taking trips with multiple sclerosis can present unique challenges, as everyone’s experience with the condition is different. Prioritize rest, know your limits, and make sure you can access resources you might need while away. With the right preparation and support, trips away can often remain a meaningful and enriching part of life.
”
Other conditions we cover at Staysure
We’re experts in travel insurance for pre-existing health conditions. Just let us know about any medical conditions when you apply for a quote. Or contact us to amend an existing policy.
When you’re planning a trip with a condition like multiple sclerosis, it can feel like there’s a lot to remember. We’ve pulled together a list of helpful things to prepare, so that you can tick them off before you go.
Pre-travel checklist for travelling with multiple sclerosis
Before you book, speak to your GP to make sure you’re fit to travel, and about suitable destinations and activities, especially if you’ve recently received HSCT (haematopoietic stem cell transplantation).
Research your destination – you may wish to avoid very hot or cold climates, and places that aren’t accessible-friendly e.g. uneven terrain or inaccessible transport.
If you’re having disease modifying therapies (DMTs) that require you to go to in-person appointments, talk to your care team to make sure your trip doesn’t clash with your treatment schedule.
If you need to bring medication with you, leave plenty of time to prepare enough for the entire trip with extra days in case of delays.
Prepare copies of prescriptions to carry with you through security.
Check the rules on travelling with medication in the country you’re going to, especially if you’re travelling with syringes or injector pens.
If you’re having physiotherapy, talk to your physio team about exercises you can do while travelling to keep your fitness up.
Consider moving any talking therapies you’re having to video or phone calls so you’re still getting support on your trip.
If you’re bringing mobility aids like canes or a wheelchair, let your travel provider know in advance as you may need to check them in.
Check what special assistance is available with your travel provider before you go, such as a wheelchair for getting around an airport, or staff assistance with luggage.
Get a sunflower lanyard – if you have hidden symptoms, this is a great way to signal to staff that you may need extra support, such as priority boarding or a place to sit.
Make sure you know where the local healthcare and emergency services are in the area you’re going to and how to use them.
If you’re planning to travel in Europe, get a GHIC – remember, this doesn’t replace travel insurance.
If you want help arranging an accessible trip, consider using a specialist travel agency. They’ll be able to help you book things like travel, accommodation, and activities specific for you and your needs.
Travelling with certain medicines and equipment may need a signed doctor’s letter, which you can check with the embassy of the country you're going to. Some doctors may charge for this service. This isn't covered by travel insurance.
If your multiple sclerosis fluctuates or changes, it’s important to keep us updated.
“It’s easy to adjust your policy if ever your health or treatment changes. This makes sure your cover remains valid and provides the right support for your needs, giving you one less thing to worry about while you travel.
”
Tips for travelling with multiple sclerosis
It’s best to keep all your medication in its original packaging, along with copies of the prescription. You may also want to pack it in both your hand luggage and suitcase in case any baggage is lost or delayed.
If you’re travelling with any syringes or injector pens, keep your prescription or signed doctor’s letter with you throughout your trip.
Travelling to a new time zone may disrupt your medication schedule. Speak to your nurse before you go about adjusting your routine to match the local time.
It’s often easy to forget to take your medication when you’re in a new routine and environment. So, it’s worth setting alarms on your phone to remind you during your trip.
If you’re undergoing any other therapies, such as physiotherapy or talking therapy, speak to the necessary teams about adapting your schedule to your trip.
Long journeys can seem daunting if you’ve got multiple sclerosis. Here are some ways to make things more manageable.
Arrange any special assistance you may need with your travel provider in advance, such as staff support checking in, priority boarding, or a wheelchair for getting around.
Wear a sunflower lanyard, especially if you’re travelling with hidden symptoms.
If flying, book an aisle seat by the toilets.
If you’re on the road, sit in the passenger seat so you can stretch out and plan plenty of toilet stops along the way.
Stay hydrated – dehydration can make discomfort and inflammation worse.
Use lumbar pillows and neck pillows for extra support.
If you’re at risk of lymphedema or blood clots, speak to your GP about compression socks.
Get plenty of rest before and after your journey to help with fatigue.
We understand the worry of travelling long distance with a chronic condition. So, we’ve put together a guide on travelling with anxiety with even more tips that you might find useful.
Long journeys can seem daunting if you’ve got multiple sclerosis. Here are some ways to make things more manageable.
Arrange any special assistance you may need with your travel provider in advance, such as staff support checking in, priority boarding, or a wheelchair for getting around.
Wear a sunflower lanyard, especially if you’re travelling with hidden symptoms.
If flying, book an aisle seat by the toilets.
If you’re on the road, sit in the passenger seat so you can stretch out and plan plenty of toilet stops along the way.
Stay hydrated – dehydration can make discomfort and inflammation worse.
Use lumbar pillows and neck pillows for extra support.
If you’re at risk of lymphedema or blood clots, speak to your GP about compression socks.
Get plenty of rest before and after your journey to help with fatigue.
We understand the worry of travelling long distance with a chronic condition. So, we’ve put together a guide on travelling with anxiety with even more tips that you might find useful.
Changes in bathroom habits can feel difficult to manage when away from home. You’re not alone in this. Here are some things that can help:
When travelling, book aisle seats close to the toilets.
Locate the nearest public toilets before heading out for the day.
If you’re wearing pads, you may be more comfortable travelling in close-fitting underwear and loose-fitting trousers you can easily undo.
Handheld urinals can be useful if you’re out and there are no nearby toilets – these are available for men and women.
If you’re prone to diarrhoea or constipation, speak to your pharmacist about the best ways to manage this abroad.
If you’re travelling with a catheter, pack a small on-the-go bag of essentials, such as spare supplies, hand sanitiser, and extra underwear.
It’s important to think about your needs before you book a place to stay. For example, if you’re travelling with a wheelchair, you’ll need wide corridors and step-free access.
Some things to consider as you search for accommodation:
Choose somewhere close to local amenities to cut down travel times but away from noisy main streets so you can sleep easier.
Wide corridors and elevators if you’re using a wheelchair or scooter.
A room on the ground floor by reception, a lift, or emergency exit for peace of mind.
An adapted bathroom with a standing shower with handrails or room for a shower seat.
A restaurant on site or your own cooking facilities for days you don’t want to go out.
Air conditioning and heating that you can control.
Minimal furnishings and plenty of space for you to move around in.
Make sure your room is clean, comfortable, and quiet. Good, regular sleep can help reduce feelings of anxiety, pain, and fatigue. It’s worth calling hotels in advance so they help you find a room suitable for you.
Frequently asked questions
As long as your doctor has declared you fit to travel, you can follow their advice on flying safely with multiple sclerosis.
There may be steps you need to take in advance to make sure your flight goes as smoothly as possible such as:
Properly packing your medication with copies of prescriptions.
Sorting out any travel assistance you might need with your travel provider.
Declaring any mobility aids like wheelchairs and canes, with your travel provider.
Booking an aisle seat close to the toilets for convenience.
There are steps you can take if you’re more prone to infections due to multiple sclerosis or after having HSCT (hematopoietic stem cell transplantation).
Use bug spray and wear long-sleeved clothes to avoid bug bites.
Pack bite cream and antiseptic to use on cuts, scrapes, and bites.
Avoid contact with local animals, even cats and dogs.
Research the water safety of the country you’re travelling to – if unsure, stick to bottled water.
If you’re going to higher-risk destinations, consider avoiding uncooked food and ice.
Always talk to your GP before you book. They’ll be able to offer you guidance tailored to you and your condition.
In an emergency, contact the local emergency services first, and then call our 24-hour emergency helpline. Our team will help arrange your care, find the most appropriate place for treatment and follow-up care.
If you or someone on your policy is admitted to hospital or your outpatient treatment is likely to cost more than £350, contact us as soon as possible. Where you have a valid claim, and your medical expenses exceed £350 we will look to settle the bill directly with the medical provider where possible.
If you have a non-urgent medical concern, such as sickness, headaches, or mild pain, contact our helpline first for advice on where to go for assistance
As good as travel insurance is, some things can’t be covered.
You’re not covered for:
travelling against your doctor’s advice
claims for pre-existing medical conditions you haven’t told us about
routine check-ups, planned treatment or non-emergency care
travel for medical procedures abroad
reimbursement for lost, damaged or stolen medicines
incidents related to alcohol or controlled substances
strike action that was common knowledge at the time of booking
choosing private treatment when suitable public facilities are available
choosing not to travel
Discover more about what travel insurance covers. Always check your policy documents carefully to understand exactly what you’re covered for.
When comparing travel insurance policies for multiple sclerosis, you’ll want to look out for what’s covered and what’s not.
The right travel insurance for multiple sclerosis should:
agree to cover your multiple sclerosis and any other pre-existing conditions you have
cover medical expenses, including necessary emergency travel home
have a high medical cover limit
help you replace lost, stolen or damaged medications
cover you for cancellations or interruptions during your trip
include 24/7 emergency assistance services while abroad
Learn more about what’s covered under our medical insurance for pre-existing medical conditions, or get a quote.
Stay in control of your account with My Staysure
You can make changes to your policy, online and in your own time with My Staysure.
It’s quick and easy to make changes to your policy online. If you need to make simple changes such as updating traveller details or renewing a policy that’s details are staying the same, just visit your My Staysure account.
By your side in an emergency abroad, day or night
