If you have Cerebral Palsy 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
If you have a neurological condition that falls under the diagnostic umbrella of cerebral, then you might find getting a cheap travel insurance hard work. This is because many policies on the market may cost you significantly more if you have a pre-existing medical condition, or they may place exclusions on your cover. As one of the UK’s leading disability insurance specialists, AllClearcan source effective cover at highly competitive price for people with cerebral palsy.
What is cerebral palsy?
Cerebral palsy embraces a number of neurological conditions which affect muscle control. This can hamper co-ordination, balance and movement. The comedian Francesca Martinez, who has cerebral palsy describes its affect on her by describing herself as being “wobbly”. There are several forms of CP of which spastic cerebral palsy, which causes tightening of the muscles and spasms, is by far the most common. Some treatments such as physio and occupational therapy can easy symptoms but CP It is a lifelong condition for which there is no cure
Do I need to declare cerebral palsy as a pre-existing medical condition when buying travel insurance?
Yes. You must always be honest and declare any pre exiting health conditions for which you have been diagnosed, and cerebral palsy is no exception. Do not be tempted to hide your condition from your insurer as doing so can invalidate your travel insurance. This could then leave you liable for the cost of any emergency medical treatment whilst abroad and, should you need to, expenses associated with getting you back to the UK.
Will having cerebral palsy prevent me from getting travel insurance?
You are protected under anti-discrimination law which prevents insurers from refusing you cover. However that legislation does allow them to charge you more for your insurance and/or place specific exclusions on your cover. However, because AllClear is a specialist broker, they are able to source effective and highly competitive travel insurance for people with neurological conditions, including those classed under cerebral palsy.
Information and support for people with cerebral palsy
Disability charity Scope publishes extensive information and practical advice on the condition whilst the NHS offers a thorough overview of the prevalence, symptoms, causes, diagnosis, treatment and complications caused by cerebral palsy.
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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QWill I have 24 hour emergency treatment when I travel abroad with cerebral palsy?
AYes, if you’ve declared your cerebral palsy when purchasing travel insurance this will ensure any medication you may be taking will be covered, as well as any emergency medical treatment you may need while you’re away.
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QCan I travel abroad with cerebral palsy?
AYes, many people with cerebral palsy are perfectly okay to travel abroad. If you’re travelling by air and need to bring extra luggage or mobility equipment, most airports have services that will help you to transport your luggage around the airport, but make sure to let them know you’re coming in advance. It’s important if you have particular accessibility needs that you let the airline know in advance so they can be prepared for your arrival and help to make your journey as smooth as possible.
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QIs there a maximum cost on travel insurance for cerebral palsy?
AThere’s no maximum cost as such, as every travel insurance quote is unique. The price you’ll pay depends on your individual circumstances including your age, the severity of your cerebral palsy, any medication you’re taking and any other conditions you may have.
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QWill travel insurance cover medication for cerebral palsy?
AYes, travel insurance from AllClear covers the emergency replacement of prescription medications, including those prescribed for cerebral palsy.
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QCan I get travel insurance with cerebral palsy?
AYes, cerebral palsy should not stop you being able to get travel insurance. The quote you will receive depends on any medication you’re taking or other conditions you may have.
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QCan cerebral palsy prevent me from getting travel insurance?
AHaving cerebral palsy shouldn’t stop you from getting travel insurance. The quote you will receive depends on the severity of your cerebral palsy, any medication you’re taking, and other conditions you may have.
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