Neurodegenerative disease travel insurance.

Getting you the right cover to travel with a neurodegenerative disease

Having a neurodegenerative disease, such as Alzheimer’s, shouldn’t be a barrier to you being able to enjoy holidays with great travel insurance.

As an expert provider of travel insurance for pre-existing medical conditions, we know that neurodegenerative diseases can affect people in different ways, depending upon the disease and how it’s treated.

We consider all medical conditions for cover, including  the following neurodegenerative diseases:

• Alzheimer’s
• Dementia
• Huntingdon’s disease
• Motor neurone disease (MND)
• Parkinson’s disease

Do I need to declare having a neurodegenerative disease when getting travel insurance?

Yes, it is essential for you to declare having a neurodegenerative disease, along with any other pre-existing medical conditions you have, when getting travel insurance, so these can be considered within your cover.

If you don’t declare having a neurodegenerative disease, or any other pre-existing medical conditions when getting travel insurance and need to claim for treatment for these, we may not be able to cover the claim.

It might be that you’ve been recently diagnosed with Alzheimer’s disease and take regular medication to reduce your symptoms, or perhaps you have Huntingdon’s disease that affects your mobility.

That’s why we have our medical screening process, so you can tell us about the nature of your pre-existing medical conditions and how they affect your daily activities. By telling us this information, we can build a level of cover that best suits your individual needs.

What questions will I be asked about my neurodegenerative disease?

So we can offer you the best possible cover for your needs, we will need you to tell us about the nature of your pre-existing medical conditions and how they affect you.

We respect your confidentiality and will only use the information that you give us to build a level of cover that best suits your individual needs.

Here are some of the questions that we commonly ask:

• Do you require assistance with dressing or eating or washing?
• Do you require more assistance than you did six months ago?
• When you travel will you always be accompanied by somebody that you know?
• Has the condition caused any changes in behaviour?
• Has the condition caused any memory loss?
• How many unplanned hospital admissions has there been for this condition in the last two years?
• Has this condition caused any issues with swallowing?

If you are getting a travel insurance quote for a relative that has a neurological condition, it is best for you to do this when the person is with you, in case we need to ask them any questions about their condition.

Is my neurodegenerative disease covered by my European Health Insurance Card (EHIC)?

If you are planning a holiday in Europe, you will need to get an EHIC as a condition of our travel insurance.

The EHIC is free and entitles you to free healthcare in most European countries where there is state provided healthcare available. It’s worth checking that your destination country is covered by EHIC before you travel, so you can be prepared if you do need any treatment during your holiday.

Your EHIC is not the same as having good travel insurance for your pre-existing medical conditions and won’t cover you for things that might go wrong such as having to cancel your holiday.

That’s where your travel insurance with pre-existing medical cover comes in. What your EHIC can do is reduce the costs where subsidised healthcare is available to you.

If you can use your EHIC to receive treatment during your holiday, and you have paid a subsidised fee, we will remove the excess fee for your medical emergency claims.