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.

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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. 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?

Basic Comprehensive
  • Medical emergencies and repatriation up to £5m
  • Cancellation and cutting your holiday short covered from £500 with optional upgrade to £3,000
  • Baggage claims up to £300
  • Cash lost or stolen up to £250
  • Excess £85 – £100
  • Medical emergency and repatriation up to £10m
  • Cancellation and cutting your holiday short covered from £5,000 up to £15,000
  • Baggage loss up to £2,500
  • Cash lost or stolen up to £500
  • Legal protection cover of up to £25,000
  • Excess £65

For a more detailed look at the level of cover we offer, take a look at our policy documents. And if you have any questions about what’s covered, please just call us on 0800 033 4902.

What happens if you have to cut short or cancel your holiday, due to something unforeseen relating to your MS?

Will the policy you’ve chosen actually cover the full cost of your trip?

You’ll be glad to know that both our basic and comprehensive level covers have options to upgrade, to cover more of your holiday cost. So it’s worth looking at the total cost of your holiday, and then opting for a level that will ensure you’re fully covered.

How can I find a trustworthy health centre while I’m away?

It can be a worry if you don’t knowing where your nearest health centre is while on holiday.

Which one can you trust? When you have a medical non-emergency and need to speak to a doctor, we’re on hand to help you find the right place to go.

You can call our medical emergency helpline 24 hours a day – which is particularly helpful when you’re in a different timezone!

We can also act as a translator between you and your doctor and medical team, to make sure that nothing gets lost in translation.

Be fully covered with a tailored policy

Of course a competitive price is important. But what’s even more important is being sure that when you need us we will be here to help.

If you think basic level insurance will fully cover you, then that’s great. But if it won’t? In that case, you may want to think about tailoring your plan to boost your cover where it’s needed.

Or, for full peace of mind, you may choose our comprehensive cover. In most cases, it has all the features you could need.

But if you’re doing something extra-special on holiday? Like golfing? Or a cruise? No problem. When you take out your comprehensive cover, you can also upgrade to get extra cover for these sort of activities, to make sure your plans are fully covered.

To find out what insurance cover we can provide you with, simply talk to us for free on 0800 033 4902 or get a quote online.

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Can I make changes to my policy?

If something changes before you go on your trip, you’ll need to let us know.

Whether that change is updating us with your medical conditions, a change of medication, or adding optional extras after you’ve pre-booked your round of golf, please do speak to us.

It’s worth doing right. And if we can help, we will.

Please note: while we can increase coverage, what we aren’t able to do is reduce coverage in return for a partial refund, so please do check that you’re happy with the level of cover when you book.

Get your MS travel insurance quote today

Talk to us today on 0800 033 4902. Or, you can get a quote online in just a few minutes below.

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*5.04% of people claimed on their Annual Travel Insurance Policy in 2017.
**You could save up to £79 when you buy an Annual Multi-Trip policy instead of multiple Single Trip policies. Based on an adult couple, 50–64 taking one 5 day Barcelona break, one 2 week holiday in Turkey, one 8 day Winter Sports trip in France and one 4 day break in Dublin in a 12 month period on a Comprehensive European Annual Multi-Trip policy, travelling within 30 days of purchase.