Travel Insurance – a guide if you have spina bifida and/or hydrocephalus

Please find below a list of contacts where Travel Insurance for people with disabilities may be purchased.

Key Points When Travelling...

In order to have a relaxed and enjoyable trip it is important to remember some key points before you make further plans for your travel.

It is advisable to book your travel insurance prior to booking the holiday to ensure you don’t pay a deposit for the holiday and then find you cannot acquire suitable insurance. Remember the cheapest quote isn’t always the best. Check the excess costs and exactly what you are covered for before making a decision.

Insurers should be made aware of any disability or pre-existing health condition you may have to ensure you are suitably covered during your trip. Insurers are entitled to differentiate between people with and without a disability and may charge more if they can show that insuring someone with a disability is a greater risk. They may, on some occasions, ask for a doctor to confirm that someone is well enough to travel.

It is advisable for all family members to be covered on the same policy to avoid complications in the event of a claim.

Please note – if you have an annual policy, the insurer should be informed if there is a change to your condition during the period you are covered.

Some companies will cover pre-existing conditions. Some can arrange annual policy cover, which is useful if you are likely to make several trips in a year.

Carry a doctor’s note for all items of medication to avoid delay at customs. Take spare medication in case of delay or lost luggage, but keep this separately.

If you have hydrocephalus it is important to drink plenty of fluids whilst flying to avoid dehydration. You may wish to take a CD-Rom of your latest scan; your neurosurgery unit may be able to provide this for you.

For more information about travelling click here.

Many non-specialist insurance companies will offer travel insurance for people with health conditions, especially if your condition is stable. If you cannot find one to provide the correct cover for your needs, here are some suggestions of specialist companies:

Travel Insurance Contacts

(Please note that Shine does not accept any liability for the quality of service provided by the organisations listed here.)

Age UK: 0800 389 4852

Colombus Direct: 0800 068 0060 or 0203 056 7994

Enroute Insurance: 0800 783 7245

Freedom Insurance: 01223 446914

Headway: Policy Direct: 01603 626 904

JD Travel Insurance: 0844 2474749

Makesure: 0203 873 6718

Leisure Care: 01702 427166

Insure for All: 0800 082 1265

MIA Ltd: 0800 999 3333

Portwood (brokers): 01207 509446

SAGA (for over 50s): 0800 015 8055

Travelbility: 0845 338 1638

Unique Insurance: 0330 2020206

The following travel insurance companies have been suggested by Shine members or staff but people’s circumstances differ so a company one person suggests can be very expensive for another, as well as having different criteria. Recent surgeries or waiting for test results may impact insurance premiums and in some cases you may be refused. There is no guarantee that all or any of these will be able to offer you cover, but we hope these suggestions help:

Able2Travel: 01892 839501

AllClear: 0845 250 3200

Fish: 0333 331 3761

Free Spirit: 02392 419 070

Post Office

World First Travel: 0345 9080161

Other handy references

The British Mountaineering Council - You will need to become a member to use their services.

A handy comparison website: 01243 784000

Need more help?

If you need to speak with one of Shine’s specialist advisers about spina bifida or hydrocephalus, call us on 01733 555988 or click here to email us.

Our office hours are Monday to Friday, 9am to 5pm. We aim to respond to all enquiries as quickly as possible!

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