Motor Neurone Disease Travel Insurance Quotes and Information
According to NHS Choices motor neurone disease is a rare condition that affects around 2 in every 100,000 people each year in the UK. There are about 5,000 people living with the condition in the UK at any one time with most cases diagnosed in people in their early 60s, but can be seen in people as young as 18 and even in their 90s. Motor neurone disease affects slightly more men than women.
What is motor neurone disease (MND)?
Motor neurone disease is a result of the nervous system being damaged. This nerve damage causes progressive muscle weakness and wasting and occurs when nerve cells in the brain and spinal cord, called motor neurones stop working properly. Motor neurones control important muscle activity, such as: gripping, walking, speaking, swallowing and breathing. Exactly what causes motor neurones to stop working properly is unclear and there is insufficient evidence to suggest it is caused by diet and lifestyle.
With the progression of the disease everyday tasks may become more difficult, but this doesn’t mean you have to stop doing the things you enjoy most, like travelling. A holiday may be just what you need to spend a relaxing time with your family and friends. For most people booking a holiday is a fairly straightforward process but when you have a medical condition, you may need to allow extra time to complete your holiday plans.
Why it’s important to cover your motor neurone disease
Many standard travel insurance policies may exclude cover for serious medical conditions such as motor neurone disease or will decline to offer cover, so it is vital to check the policy wordings to make 100% sure you have the right cover for you.
If you suffer from a medical condition and be unfortunate to have a medical emergency whilst travelling, you could be left paying an expensive hospital bill, because you failed to purchase adequate pre-existing medical condition travel insurance. In some countries such as Spain and the USA, hospital costs can be extremely high. Also if you don’t have a 24 hour medical emergency helpline to call, how will you know where to go for medical assistance?
Free Spirit cover can help. As long as your doctor or treating consultant has agreed you are fit to travel and provided you’re not awaiting surgery or further investigations, we will aim to offer a quotation for a specialist motor neurone disease travel insurance policy to cover not just your MND but any other associated medical conditions declared to us.
Key features of our motor neurone disease travel insurance policy
Free Spirit MND travel insurance, is a policy with many key features to get you on your first step to a carefree trip. We were the first scheme of its type dedicated to those being declined cover elsewhere due to their health and we are now one of the UK’s largest specialist travel insurance providers for people with medical conditions and disabilities.
We can provide you with significant features and benefits such as:
- Medical emergency helpline available to you 24 hours a day, 365 days a year
- Cancellation or Curtailment/Loss of holiday cover up to £5,000*
- Loss or damage to medical aids up to £2,000*
- Loss of damage to prescribed medications £500*
- Repatriation to your home country is automatically included
- Personal money & documents £1,000*
- Personal baggage cover up to £3,000*
- Missed departure / missed connection £1,500*
*with Super Duper cover
Should you need to make a claim against your Free Spirit policy when you return home, you will be pleased to hear we have our own in-house dedicated
Free Spirit claims team and they are available Monday to Friday 9am-5pm, closed bank holidays. Details of our claims procedure can be found in the policy wording.
Why not try us today and get a quote
Obtaining an online quote couldn’t be easier as we can provide you with a simple to use online medical screening service. You will need to declare all of your medical conditions to get the right cover for you. To enable you to do this, we will ask you all of the necessary questions about your motor neurone disease such as:
- What type of motor neurone disease do you have?
- Do you currently use any mobility aids?
- Has your condition ever caused any problems with breathing?
- Has your condition ever caused any problems with swallowing?
- How many unplanned hospital admissions have you had for this condition in the last twelve months?
We will also ask you questions to enable you to declare any other associated medical conditions you may have. Please don’t forget to declare all of your medical conditions as otherwise you may not be fully covered.
Should you need any help whilst getting a quote or if you have any questions not covered by our frequently asked questions page, our dedicated UK based customer services team are on hand to help you. You may prefer for us to issue the policy for you and you can call us on 0800 170 7704; we’re open Monday to Friday 8am-6pm, closed Bank Holidays.
Useful tips for travelling with motor neurone disease
Flying/Transport: Remember to tell your airline in advance if you need special assistance with a wheelchair or help with your bags through the security areas. Most airlines will carry standard size wheelchairs free of charge; however battery-powered chairs may need to be dismantled for carriage.
Prescribed medication: Check that you have enough medication for the duration of your trip and a bit more just in case you are delayed on your return journey. Try to carry your medication in your hand luggage in the event your hold luggage is lost in transit. If you’re travelling to a new time zone, you’ll need to adjust the time you take your medication. Check with your doctor for your own personal situation to ensure you do not take too much or too little. Keep a copy of the last repeat prescription with you just in case you lose your medication and you need to purchase more.
Hotel: Check that your hotel is suitable for wheelchair access if necessary. Is your room on the ground floor if there is no lift or you have difficulty with climbing stairs? Check the bathroom is accessible and are they fitted with grab-bars and seats?
Peace of mind included
Some people can feel anxious when travelling abroad especially when they have a medical condition, this is only natural, so it is a good idea to include your travelling companions on your Free Spirit policy whether they have a pre-existing medical condition or not.
Should the worse happen and you need emergency hospital care, not only will our medical emergency helpline assist with finding suitable hospital care, they can also authorise for an insured adult on the same policy to stay with you, terms and conditions apply.
No one likes to think something will happen to them when away from home but you can be confident in the knowledge Free Spirit can provide the cover for a carefree trip!
For details of our motor neurone disease travel insurance cover, please read our Free Spirit policy wording or click here for details of the summary of benefits.
Category: Travel Insurance