Travel Insurance for Disabled People
At Holiday Extras, we believe everyone deserves to explore the world with confidence. Our travel insurance is designed to provide protection and support, so you can focus on enjoying your trip, not worrying about what-ifs.
We don't offer a separate disabled travel insurance policy because we believe travel protection should be inclusive. When you get a quote, you'll be asked about any existing medical conditions or disabilities. Sharing this information ensures your policy includes the right level of cover for your circumstances. We provide both single-trip and annual policies designed to fit around your plans and budget. Choose from three cover levels, bronze, silver and gold, to suit your needs.
Declaring a disability or health condition
When you get a quote, we'll ask about any medical conditions or health-related circumstances that could affect your trip or your ability to travel. If you have a disability, you don't need a separate policy, but it's important to tell us about any health conditions linked to your disability, or if you take regular medication, treatment, or mobility aids that could be affected by travel.
This helps make sure we can cover you if you need to make a claim.
What you'll need to declare:
You should tell us if you or anyone on your policy:
- Has a diagnosed medical condition that requires ongoing treatment or check-ups.
- Uses medical or mobility equipment that would need replacing if lost or damaged while travelling.
- Has been recently referred for tests, investigations, or awaiting a diagnosis.
Please note that mobility or medical equipment is only covered if it's owned by you. Items that are borrowed, rented, or supplied by the NHS or another organisation aren't covered.
We'll then confirm whether we can offer cover based on the information you've provided. Always check our policy documents before you purchase for a full breakdown of what needs to be declared, and remember that cover is subject to policy terms and conditions.
If you don't declare your medical conditions, and you need medical treatment or advice while on your trip, you will be responsible for all the medical costs, and you won't be able to submit a claim.
Changes to your health or mobility needs
If anything changes after you buy or renew your policy, such as a new diagnosis, change in medication, or update to your health or mobility needs, please let us know as soon as possible.
We'll ask a few questions to check whether:
- your cover can continue with no change to your premium;
- your premium needs to be adjusted; or
- your policy needs to be updated or replaced.
If you've already booked a trip and your circumstances change, please check the cancellation section of your policy for guidance.
Even if your doctor has confirmed you're fit to travel, it's still best to let us know, your cover may be affected if your health or mobility needs have changed since your policy started.
Travelling with a carer or companion
If you're travelling with a carer, support worker or companion, you can add everyone to the same policy. This helps if you need to cancel or cut your trip short for a covered reason.
If you book separately, make sure your travel arrangements line up and everyone has the same trip dates and destination on their policy.
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.
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.
What our customers are saying about us
Travel advice: How to prepare for your trip when you have a disability
Before you book anything, make a list of your individual needs: Ensure you research your destinations and accommodation fully to make sure they are suitable.See your doctor four to six weeks before you travel: It's useful to discuss your condition and whether or not you need to complete a Medical Information Form or a Frequent Travellers' Medical Card (FREMEC).
Organise car hire before you go: If you want to hire a car, the Blue Badge Scheme now operates throughout some European countries. Make sure you discuss your needs and the insurance offered by the car hire company well in advance. And familiarise yourself with the laws of the road and licence requirements in your destination.
Carry medication in your hand luggage
Bring enough for your trip, allowing for delays, and keep medicines in the original packaging. Carry a list of your prescribed medicines or ask for a letter from your doctor and check out the latest security and baggage restrictions. It's also worth finding out the names of your medication in the country you're visiting and how you can get medical help while you're away.
For more general information regarding travel insurance, check out our top tips for travelling with a disability page.
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
Need help buying or updating your policy?
If you'd prefer to speak to someone, our friendly UK-based team can help you buy or renew your travel insurance over the phone.
We can guide you through the quote process and explain how to declare medical conditions or mobility requirements. While we can't provide medical or personal advice, we can help you understand what information you'll need to share to complete your quote accurately.
- Call us on 0333 188 0411
Our lines are open Monday to Friday, 9am–5pm.
If you use a relay or textphone service, you can contact us through Relay UK. The Relay UK assistant will help relay your call, and we'll be able to speak with you as normal about your Holiday Extras Travel Insurance policy.
We're also making sure our website is easy for everyone to use, with keyboard-friendly navigation, screen reader compatibility, and text alternatives for images, so you can use your own assistive technology or accessibility settings to navigate and book as normal. We're continuing to improve readability and accessibility across the site to make your experience as smooth as possible.
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 emergency medical help abroad? Here's what to do
If you are in need of 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 abroad 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
Do I need to declare my disability when buying travel insurance?
You don't need to declare a disability itself unless it involves a diagnosed medical condition, ongoing treatment, or equipment that could be affected by travel.
If your disability includes a medical condition, for example, you take regular medication or have medical appointments, you'll need to tell us during your quote so your cover reflects your needs.
What if my health or mobility changes after I've bought a policy?
If your health or mobility needs change after buying or renewing your policy, please contact us. We'll review your cover and let you know if anything needs updating.
Insurance enquiries: Start a Live Chat or speak to our team on 0333 188 0080
What if I'm waiting for a diagnosis or test results?
If you're awaiting test results, treatment, or a diagnosis, you'll need to declare this when getting a quote. Once you receive a diagnosis, let us know so we can check if your cover needs updating.
Does having a Blue Badge affect my travel insurance?
No, having a Blue Badge doesn't affect your travel insurance or your ability to get cover. A Blue Badge relates to parking and mobility support in the UK, not to your health or insurance eligibility.
You'll only need to declare any medical conditions, ongoing treatment, or mobility equipment related to your disability if they could affect your travel or require cover while you're away. Otherwise, your Blue Badge status won't make any difference to your policy or premium.
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Holiday Extras Travel Insurance is sold and administered by Holiday Extras Cover Limited, registered office address: Ashford Road, Newingreen, Hythe, Kent CT21 4JF.
Holiday Extras Cover Limited is an insurance intermediary authorised and regulated by the Financial Conduct Authority, registration number 828848. You can check this on the Financial Services Register by visiting: http://register.fca.org.uk
Holiday Extras™ is a Trading Name of Holiday Extras Cover Limited. The insurance is underwritten by Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 1 Fen Court, London, United Kingdom, EC3M 5BN.
Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting: http://register.fca.org.uk