Travelling abroad with a pre-existing medical condition like cerebral palsy presents a number of problems. Mobility could prove difficult particularly if the severity of the condition dictates, the mode of transport may be limiting, finding suitable accommodation is challenging but something often overlooked is having appropriate travel cover.
There are many companies offering travel insurance for pre-existing conditions so how can you trust that the policy is right for a disabled child, children or adult travelling abroad?
Value for money is usually the most important point for the majority of people making no matter what sort of purchase, but how do you determine value for money particularity for travel insurance?
Do not confuse value for money with cost, the cheapest is rarely the best. The cost of any policy is clearly defined by the broker or insurer before purchase. The true definition of value for money is to provide the most appropriate policy to meets the needs of the disabled traveler and one which cover all eventualities in the most cost effective way.
The best way to feel comfortable that your travel insurance will be right for you is to speak to a specialist. There are plenty of companies who provide insurance for those with medical conditions but choosing the right one will help you to feel comfortable during your time abroad.
How do you find a specialist ensurer?
You may be part of a support group, a charity or a social network and these are all great places to discuss which travel insurance they use. After all, recommendation by people in a similar position as you can be invaluable.
Another way is to research on the internet. Google is the search engine of choice and very clever at delivering the right results but make sure you use the right keyword. Be specific with your search terms, so for example "best travel insurance for a child with cerebral palsy", "travel insurance to Spain with pre-existing medical condition" or "cheap travel insurance for families with disabled children" you can define your search further by specifying UK only results. Be patient and you will find what you are looking for.
It may be that your home or car insurer can provide a quote and it could be worth contacting your credit card company or bank
however it is unlikely that the range of insurance products provided by general insurers will ensure your specific circumstances can be fully catered for. Unfortunately it is only when making a claim that the true value of travel insurance can be measured.
Accidents happen, many things are outside our control and this is especially true when travelling abroad.
If you require travel insurance for a pre existing medical condition and want the comfort of knowing that you will be fully covered then speak to a disability travel insurance expert.
If you have a medical condition make sure you
are fully covered when you travel abroad, mistakes could be expensive