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What is mobility travel insurance?

Mobility travel insurance covers you if you’re living with any degree of mobility impairment and wish to travel with peace of mind. This type of insurance covers you for medical emergencies, which is vital to prevent unexpected medical bills and give you the support you need if you have any medical problems while you are away.

Almost 1 in 5 people (19%) in the UK have a disability, of which 59% are people with mobility problems.  We believe having a mobility problem shouldn’t stop you enjoying a holiday. Though sometimes it might mean that you need specialist mobility travel insurance.

Benefits of AllClear Cover

Gold Gold Plus Platinum
Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Unlimited
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Travel Delay Up to £300 Up to £1,500 Up to £1,500
Recuperation stay
Personal Belongings Up to £2k Up to £2.5k Up to £3k
Personal liability Up to £2m Up to £2m Up to £2m
Legal protection cover Up to £50k Up to £50k Up to £100k
* If you buy a policy which includes cancellation cover
All these figures are per person and per trip

Additional Cover for Your Mobility Aids

How much you can claim up to

Some travel insurance policies have a single article limit for lost or damaged items, such as a limit of £200 on an AllClear Gold Plus policy, for example. However, when it comes to mobility aids the rules are different. On the same policy, you could claim up to £2,500 for your mobility aid.

In addition, if your carer – who is insured on the same policy – has to cancel or cut short their trip due to an unforeseen emergency, you can do the same and also claim for lost expenses. Or, If you wish to continue your journey, we will pay up to £1,000 in total for the costs of extra accommodation and transport to replace your original carer; on AllClear Gold and Gold Plus.

What’s more, depending on the policy you select, you can exclude Cancellation Cover, waive your excesses, or add Optional Extras to your policy.

One Optional Extra that may be useful to you is Travelling Companions Cover, which means even if your carer or travelling companion are insured with an alternate provider, they can still be covered for Cancellation and Curtailment if anything happens in relation to your health.

Our Commitment to Mobility Travel Insurance

Who we’re working with

Providing cover for those who need mobility travel insurance is important to us.

That’s why we are working with Motability (a scheme which provides a way for those with disabilities to lease a car), in a joint bid to help those with mobility problems travel freely.

Frequently Asked Questions

How to declare your mobility problem

Sometimes a problem with mobility can lead to a secondary medical condition – or vise versa. However, you will always need to enter the name(s) of the medical conditions that are related to your mobility problem – rather than your type of disability. For example, if arthritis caused you to need a wheelchair for travelling, you would simply declare ‘arthritis’ during the Medical section of your quote, and the questions with regards arthritis will ask about you having mobility aids.

Precautions to consider during your journey

If you have any concerns about your journey being uncomfortable, you might want to speak to your local GP or your booking company – you may be surprised at the accommodations they will make!

If you’re taking a flight, some airlines require you to carry a ‘fit-to-travel’ note when travelling with them. In any case, you need to be certain that your doctor would confirm you fit to travel to obtain valid travel insurance. If you are unsure on such matters, it is best to give yourself plenty of time to check with your GP, or your airline’s requirements. Yet in terms of getting your travel insurance from us, we would only need a letter from your doctor confirming your state of health in the event of a claim – and only in particular circumstances.

Simple 3 step quote process

1. Call us or click a quote button on our site

Once you are ready to start the quote process, the first step is to provide your personal details and information about your holiday plans.

2. Complete our simple medical screening process

You then declare the medical conditions for you (and any other travellers) and answer the specifically designed medical questions.

3. Get your quotes

You will then get your quotes and can either proceed to buy, or save your quote, at this stage.

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Written by: Russell Wallace | Travel Insurance Expert
Last Updated: 24 November 2023

† Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 70,000 reviews as of January 2024. AllClear Gold Plus achieved a Which? Best Buy.