Disabled Travel Insurance
- Up to £10 million - Emergency Medical Expenses Cover
- Up to £10,000 – Cancellation Cover Per Person
- Up to £1,500 – Mobility & Disability Equipment Cover
6 Options available including:
Cruise Cover Option, Winter Sports Cover Option, Carer Cover Option, Gadget Travel Insurance...see all
Why Choose Able2Travel?
- Specialists in travel insurance for people with existing medical conditions
- Full Cover available for 1,000s of conditions
- Instant cover by telephone or quick and easy online screening in a few minutes
- Great value cover also available for you and everyone travelling with you
Disabled Travel Insurance
For the Love of Travel, with Cover for Disabilities
Travel can be an exciting and enriching experience. For people living with disabilities, it can also come with added challenges and may require extra planning. From navigating accessibility limitations to managing support needs or travelling with essential equipment, it’s important to feel prepared—especially if a medical emergency arises.
You’re not alone. Around 16 million people in the UK are living with a disability. We understand that everyone’s situation is different, and we’re here to support you every step of the way.
Our disability travel insurance is designed to support you if something unexpectedly arises that could affect your trip. This includes cover for cancellation because of medical reasons, emergency medical treatment abroad, and replacement of essential items such as mobility aids or prescribed medications.
You’ll also be covered for unplanned travel disruptions like delayed flights or lost luggage.
Click below to get a disability travel insurance quote.
What Disabilities Can Able2Travel Travel Insurance Cover?
At Able2Travel, we provide travel insurance for disabled people and those with a wide range of pre-existing medical conditions. This means you can travel knowing your needs have been considered.
We can offer cover for:
- Physical Disabilities e.g. Arthritis, Mobility Impairments, People with prosthetics or limb differences, Cerebral Palsy, Spinal Cord Injuries
- Sensory Disabilities e.g. Sight loss, Hearing loss
- Learning & Developmental Conditions e.g. Autism, Down's Syndrome, ADHD
- Neurological Conditions e.g. Multiple Sclerosis (MS), Epilepsy, Parkinson's Disease, Stroke-related conditions
- Mental Health Conditions e.g. Anxiety, Depression, Bipolar Disorder
If your condition isn’t listed, don’t worry. This is only a selection of conditions we’ve covered before.
Why Choose Able2Travel Travel Insurance?
With over 20 years of experience, Able2Travel specialises in travel insurance for people with disabilities. We have helped thousands of travellers head abroad with confidence, knowing they’re covered.
Our policies are designed to be simple, clear, and supportive. We take the time to understand your circumstances, so you can travel without unnecessary worry.
Don’t just take our word for it — find out why so many people choose us by reading our verified Able2Travel reviews.
What Does Able2Travel Disabled Travel Insurance Cover?
Our travel insurance for the disabled is designed to help with a range of situations, including:
- Emergency Medical Treatment - Covers emergency medical care costs abroad, including hospital stays relating to your declared conditions or other medical emergencies that may arise on your trip
- Trip Cancellation - Covers non-refundable travel and accommodation costs if you need to cancel your trip for an insured reason
- Mobility & Disability Equipment - Protection for essential mobility equipment, such as wheelchairs, if it’s lost or damaged on your trip
- Replacement Prescribed Medication - Cover for the cost of replacing essential medication if it's lost by your carrier (e.g. airline).
- Emergency Transport - Covers the costs of bringing you back to the UK if it becomes medically necessary
- GP On Demand
Which Disabled Travel Insurance is Right for You?
Finding what is the best disabled travel insurance isn’t just about choosing the lowest price. It’s about feeling comfortable with what’s included and knowing you won’t be left unsupported if something unexpected happens.
Able2Travel offers three levels of cover, so you can compare disabled travel insurance options and choose the one that best matches your needs.
| Policy Highlights (per person) | Silver (£) | Gold (£) | Platinum (£) |
| Emergency Medical Cover including emergency repatriation | 1 million | 5 million | 10 million |
| Trip Cancellation | 2,500 | 5,000 | 10,000 |
| Mobility & Disability Equipment | 750 | 1,000 | 1,500 |
| Replacement Prescribed Medication | 150 | 300 | 500 |
The table above highlights some of the benefits included with our travel insurance with disability cover. To view full travel insurance comparison table, please refer to the policy wording.
Click below to get a disability travel insurance quote.
Tailor Your Travel Insurance for Disabilities
Everyone travels differently, and your cover should reflect that. Our travel insurance for disabled people includes optional extras, so you can tailor your cover to suit your trip:
- Cruise Cover - Perfect for those who love to relax on one-off ocean cruises
- Winter Sports Cover - Ideal of travellers heading on a skiing or snowboarding trip (max duration of 21 days)
- Sports Cover - Extend cover with our Action and Action Plus packages to include more adventurous sports.
- Carer Cover - Extra peace of mind for carers heading off on holiday.
- Gadget Cover - Cover up to 4 gadgets per policy.
Explore the World with Peace of Mind
Travelling should be about freedom and new experiences, not added stress. With our travel insurance for people with disabilities, you can set out on your journey knowing support is in place if you need it.
If you’re ready to protect your trip, get your quote today and see how Able2Travel can support you.
Disabled Travel Insurance Options
Winter Sports Cover Option
Travel insurance with winter sports cover for extra protection against missed activities, loss / damage to equipment, and other unexpected winter sports events.
Cruise Cover Option
Travel insurance including cruise cover for extra protection against cabin confinement, missed port of call, and many other unexpected cruise-related events.
Carer Cover Option
Travel insurance for carers who need extra peace of mind when travelling for unexpected circumstances that may arise.
Gadget Travel Insurance
Gadget Travel Insurance for extra peace of mind when travelling for unexpected circumstances that may arise.
Sports Travel Insurance
Covers over 100 sports and activities, from hiking and cycling to scuba diving and ziplining, perfect for active holidays and adventure getaway.
Golf Travel Insurance
Add this to your Able2Travel policy to cover your Golfing activities, so you can enjoy yourself out on the course worry-free.
Frequently Asked Questions About Disabled Travel Insurance
1. Do You Have to Declare Disabilities on Travel Insurance?
Yes, it’s important to let us know about any disabilities when you get a quote.
Being open helps ensure your travel insurance for a disabled person remains valid while you’re away. It also means you’ll have the right level of cover in place for your specific needs, whether you’re looking for cover for physical disabilities, sensory conditions, or learning disability travel insurance.
If anything changes with your health before you travel, it’s also important to let us know so your cover stays up to date.
2. What Will I Be Asked When Buying Disability Holiday Insurance?
When getting a quote for disability holiday insurance, you’ll need to answer a few medical screening questions. The questions will vary depending on your condition, but may include:
- Diagnosis & Medical History – Specific disability you’ve been diagnosed with
- Medical Procedure – Any treatments or procedures you’ve had and how recently they were carried out
- Severity of Condition – How your condition affects your daily life
Rest assured, your answers are always kept completely confidential.
3. Can I Rely on The GHIC Instead of Travel Insurance for Disabled People?
The GHIC (Global Health Insurance Card) gives access to state healthcare in the EU. However, it is not a substitute for travel insurance for the disabled, as there are some aspects that the GHIC doesn’t cover.
For example, it won’t cover costs for private medical treatment if necessary or to get you back home to the UK (known as medical repatriation). Additionally, GHIC doesn’t cover trip cancellation, travel delays, and replacement of mobility and disability equipment if it gets lost or damaged.
4. What Mobility Aids Are Covered by Holiday Insurance for Disabilities?
Our holiday insurance for people with disabilities covers items such as non-motorised wheelchairs, walking frames, and sticks.
Please note: these mobility and disability equipment items need to belong to you. If they are borrowed or rented, they won’t be covered.
5. What Types of Holiday Insurance for Disabled People Available to Choose From?
Able2Travel provides flexible holiday insurance for disabled people. This includes options for solo travellers, families, and seniors:
- Single Trip Cover: Ideal for those going on one-off holidays, and cover begins from your trip start date until the day you return home.
- Annual Multi-Trip Cover: Designed for travellers who plan to go on multiple trips within a 12-month period.
6. What Destinations are Covered Under Travel Insurance with Disability Cover?
At Able2Travel, we offer travel insurance for disabled people travelling to Europe and further afield.From staycations in the UK to city breaks in Europe and long-haul worldwide trips. Our cover is divided into the following areas:
- Area 1: The United Kingdom including Northern Ireland.
- Area 2: Western Europe, the Channel Islands, the Isle of Man, Madeira, and Iceland (including Area 1).
- Area 3: Worldwide excluding North America.
- Area 4: Worldwide including North America.
Please note there is no cover for you travelling to an area that FCDO have advised against ‘All Travel’ or ‘All but Essential Travel’.
We are also unable to provide cover to some countries due to the existence of international sanctions – please see our homepage for an up-to-date list.
7. How to Get Your Quote for Holiday Insurance with Disabilities?
To get a quote for holiday insurance for disabled travellers, the process only takes a few minutes with Able2Travel:
- Tell us about your trip – choose your destination, when you’d like cover to begin, and who will be travelling
- Complete the medical screening about your disabilities or other medical conditions you have had – this can be done online or over the phone
- Get your personalised quote
- Compare three levels of cover and choose the option that suits you best
- Add optional extras to tailor the policy to your needs, such as cruise cover or winter sports cover