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Home » Travel insurance » Mobility Travel Insurance

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.

The Main Benefits of Cover

Benefits of AllClear Cover

Gold Gold Plus Platinum
Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Up to £15m
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Extended cover 30 days FREE 30 days FREE 30 days FREE
Friend or relative to travel from your home area to stay with you if you fall ill with Covid-19 Up to £2k Up to £2k Up to £2k
Travel Delay Up to £100 Up to £350 Up to £500
Recuperation stay
Cost of return flight due to COVID-19
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

Will you be covered if you’re travelling during the COVID-19 pandemic?

There are three things to check so that you can make sure you're covered:

  • You must be fit to travel
  • The FCDO must NOT have advised against travel to your destination - check the FCDO travel advice
  • You must follow the local government advice for your destination, checking and following their guidelines and entry requirements

You can then be covered for emergency medical expenses and cancellation for a positive diagnosis of COVID-19, with AllClear travel insurance with enhanced Coronavirus cover. Existing policyholders should read our Frequently Asked Questions if your trip is affected by Covid-19.

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 condition(s) 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.

Get Quotes in Just 3 Easy Steps

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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