Travel Insurance with Dementia
With the right preparation, travelling with dementia can be an enjoyable experience that brings comfort and joy. Taking a little extra time to plan ahead, choose the right support, and arrange travel insurance for someone with dementia means you can relax and focus on enjoying your holiday.
We're here to help you find travel insurance that includes cover for customers with dementia, tailored to your needs, so you can set off with confidence knowing you're covered. Find out what's typically included and what's not with a travel insurance policy.
Will Travel Insurance Cover Dementia?
Yes, you're covered, as long as you're travelling within the policy terms. Travel insurance is there to help if something unexpected happens, not for situations you already know about or journeys made against medical advice.
What's typically covered: Emergency treatment and medically necessary repatriation if something unexpected happens.
What's not: You won't be covered for claims relating to situations you already knew about when you bought your policy, if you travel against medical advice, or if your trip is planned to receive medical treatment.
With Holiday Extras, emergency medical cover and 24/7 assistance come as standard, so you can travel with confidence. Compare our travel insurance cover levels below.
Do you have to declare Dementia for travel insurance?
Yes, when you book holiday insurance, it's important you make sure to declare any pre-existing medical conditions including dementia.
How do I declare my condition?
To declare your medical conditions, just enter your travelling details into the quote form at the top of the page and you'll be taken through your online medical screening.
Why choose Holiday Extras cover?
Our travel insurance is simple, with emergency medical cover, 24/7 support, and AnywhereGP for non-urgent advice. Get a quick online quote and easy screening if you've had pregnancy complications.
Over 40 years experience in travel services.
Voted Best Insurance Provider 16 years running – since 2009.
Tailored policies to suit your personal requirements.
£13.8 million paid in claims last year, providing reliable support when it matters most.
Smart, simple cover with help from our AI assistant, SYD.
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Choose your cover
Planning a one-off getaway? Our single-trip travel insurance has you covered. If you travel more than once a year, save time, money and hassle with our Annual Multi-Trip insurance – perfect for holidays abroad and UK getaways, all year round. Or are you setting sail and in need of our award-winning, specialist Cruise travel insurance?
Compare travel insurance cover levels
Choose from three different levels of cover, each with its own cover limits. Ranging from a simpler 'Bronze' plan to a higher level 'Gold' plan, you can tailor your policy to suit your needs. Browse the key benefits below, or see the full breakdown in our cover-level table and Policy Documents.
Bronze
| £15,000,000 | Emergency medical and repatriation expenses |
| £1,000 | Cancellation & Cutting your trip short |
| £2,000 | Personal belongings |
| £500 | Personal money |
| £500 | Gadget Cover |
Silver
| £20,000,000 | Emergency medical and repatriation expenses |
| £2,500 | Cancellation & Cutting your trip short |
| £3,000 | Personal belongings |
| £750 | Personal money |
| £500 | Gadget Cover |
Gold
| Unlimited | Emergency medical and repatriation expenses |
| £5,000* | Cancellation & Cutting your trip short |
| £5,000 | Personal belongings |
| £1,000 | Personal money |
| £750 | Gadget Cover |
*Or as specified on your schedule
AnywhereGP: 24/7 Medical Help
Powered by Air Doctor
We're thrilled to introduce AnywhereGP, powered by Air Doctor – your on-the-go medical solution abroad!
Included FREE with every Holiday Extras travel insurance policy, it provides fast, reliable medical support for everything from minor illnesses to urgent concerns, keeping you supported along the way.
Need Medical Help Abroad? Here's What to Do
If you need emergency medical attention, please make sure you call local emergency services before anything else.
Use Reciprocal Health Agreements
If your destination has a health agreement with the UK, you can use your EHIC or GHIC card to access medical treatment. This may help cover some or all of your medical expenses.
Contact the Assistance Team
If you're admitted to hospital, call our assistance team as soon as possible.
When to Call: After you've been admitted but before paying for any medical treatment.
Why It's Important: Not contacting the team could limit your coverage, even if your claim is valid.
Important: Save Your Documents
Keep all receipts and doctor's notes from your time abraod safe – they'll be needed for your insurance claim. For more details, visit the official guidance on medical attention abroad.
24/7 Emergency Assistance
Our team is here to help, wherever you are:
| Outside the USA, Canada, or Mexico: | +44 (0) 1403 788 718 |
| In the USA or Canada (Toll-Free): | +1-844-780-0494 |
| In Mexico: | 00 1 819 780 0494 |
Let us answer your questions
Can someone with dementia travel abroad or by plane?
Yes, many people with dementia do travel abroad. Airlines often provide assistance, and it is recommended to book support such as priority boarding. Travel insurance with dementia should be arranged before departure.
Do I need to declare dementia when buying travel insurance?
Yes. Always declare dementia (and any other medical conditions) during the quote process. Not declaring could make the policy invalid if you need to make a claim.
What type of travel insurance is available for people with dementia?
Customers can choose single trip, annual multi-trip, or cruise cover depending on their travel plans, with dementia declared as a pre-existing condition.
Can you get travel insurance with dementia?
Yes, you can. Customers need to declare the condition during the medical screening process. Policies can then be tailored to include dementia, ensuring cover is valid and effective.
Is it possible to get cheap travel insurance with medical conditions?
Buying travel insurance with pre-existing medical conditions can tend to be more expensive, as you're considered to be more likely to make a claim. Here are a few tips that could keep the cost down.
Choose a higher excess - Opting to pay a higher excess can lower the price of your policy. Just make sure you are able to pay the excess amount in the event of a claim.
Consider an annual policy - Got lots of trips planned this year? If you're going away multiple times throughout the year, it can work out cheaper to take out an annual policy. This will cover you for every trip you take over the year.
Choose the right level of cover - When choosing your policy, consider whether the cover levels are suitable for you. For example, you may not want to take out a policy that gives you £5,000 cancellation cover if you only paid a couple of hundred for your trip.
What is a reciprocal healthcare agreement?
The UK has reciprocal healthcare agreements with some non-EU countries. This means that if you need medical treatment in that country, you would be treated as if you were a resident.
For more information on reciprocal healthcare agreements and a list of countries this applies to, visit the UK goverment's site.
Just ask
"We believe that having a medical condition shouldn't stop you from finding travel insurance easily. Here at Holiday Extras, we consider all medical conditions and offer different cover levels to ensure your needs are met."
Katherine Hill, Holiday Extras Insurance Expert
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