If you have Autism and need travel insurance, we may be able to help!
Remember
- Tell your insurer about any pre-existing medical conditions to make sure you’re fully covered
- Consider covering everyone travelling in your party in case you have to cancel
- Take a copy of your travel insurance documents with you
Autism or autism spectrum disorder (ASD), as it is also known as, falls under the banner of pre-existing medical conditions which many policies exclude from cover. However, because AllClear are a disability insurance specialist, they can offer worldwide and European travel insurance to people with autism, including those diagnosed with Asperger’s Syndrome and conditions associated with autism such as attention deficit disorder (ADHD), anxiety and depression.
What is autism?
Autism is a developmental disorder which affects the way a person communicates and interacts with others. It is not a singular but a spectrum condition meaning that those diagnosed with autism may exhibit different symptoms and behaviours. Many people with autism also have learning difficulties. Because it is a broad spectrum condition people with autism can live totally independently or require varying levels of support. Whilst incurable it is treatable through behavioural and educational therapies.
Do I need to declare if I have autism when buying travel insurance?
Yes. You should always be open and honest with your insurer about any pre-existing medical conditions you or anyone you are seeking to insure has, and autism is no exception. Failure to declare could have serious consequences as an insurer may choose to refuse to settle any later claim you make on your policy.
Will having autism prevent me from getting travel insurance?
Autism is a long term (or chronic) condition and as such is covered under disability discrimination legislation. This means it is illegal for insurers to refuse you cover although they may impose certain conditions on your policy and/or charge you more. As a company which specialises in serving for people with disabilities and pre-existing medical conditions, AllClear can source you effective and competitively priced travel insurance, on a single trip or annual basis.
Information and support for people with autism
The National Autistic Society offers a broad range of resources, advice and support covering conditions on the autism spectrum, including Asperger’s Syndrome, high functioning autism and pathological demand avoidance. For more details click here. The NHS also provides extensive information on the symptoms, causes, treatments and types of autism spectrum disorder and a community forum for those whose lives are affected by the condition. To visit the NHS’s ASD web page click here.
AllClear take care of everything
Here at Fish Insurance, we’re proud to be working with travel experts AllClear Travel to provide you with cover for your next trip. AllClear’s team of experts will help find the cover you need at a price you’re comfy with. So if you’re planning your next break, all you have to do is decide where to visit first.
To get a quote or manage your policy call
Key benefits of AllClear’s cover*
- No age limits
- 1300+ conditions covered
- ‘Superior’ Covid cover** (includes return flight costs if you’re forced to stay due to Covid-19)
- Up to £15m medical emergency expenses cover
- 24/7 English-speaking medical emergency helpline
- Up to £25,000 for cancellation and cutting your trip short
- Up to £3,000 for your baggage
- Up to £500 travel delay cover
- Up to £1,000 optional cover for travel disruption
- Up to £2m personal liability cover
*All figures are per person and per trip
**Covid cover rated ‘Superior’ by a leading independent UK Consumer Champion in 2021
AllClear cover a range of pre-existing conditions
See what our customers are saying about Fish’s service
And we don’t stop there…
We’ve answered some of the questions you may have about Travel Insurance
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QCan I just use my European Health Insurance Card for asthma?
AIf you’re travelling to Europe, medical treatment equivalent to what’s given to those resident in the country you’re travelling to is covered. It’s always advisable to declare any pre-existing medical conditions, including asthma, on your travel insurance policy too. This means the emergency replacement of any prescription medications you may have is covered as well as cancellation for reasons relating to your asthma.
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QIs air travel possible with asthma?
AYes, most people with asthma are fine to travel by air. However, the reduced air pressure in the cabin of the aeroplane can cause issues for some asthma sufferers. We’d always suggest speaking to your GP or asthma nurse before flying to see if you’re safe to travel. Your GP or asthma nurse may need you to do a ‘fitness to fly assessment’ or may refer you for a ‘hypoxic challenge’ test to see how you’d cope with the conditions in an aeroplane.
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QWill travel insurance cover medication for asthma?
AYes, travel insurance from AllClear covers the emergency replacement of prescription medications, including those prescribed for asthma.
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QWill asthma increase my travel insurance cost?
ANot necessarily. The price of travel insurance depends on factors like age, the severity of any medical conditions you may have, and any treatments you are seeking.
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QDo I need to declare asthma as a pre-existing medical condition?
AYes. It’s always best to declare any conditions you’ve been diagnosed with when applying for travel insurance, including asthma. This ensures any medication you may be taking will be covered, as well as any treatment for your asthma you need to seek while you’re away.
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