travel insurance for ms patients

TRAVELING WITH MS:

The Ultimate Guide

ActiveMSers has prepared an exhaustive guide for traveling with a disability, with a focus on multiple sclerosis. This practical advice has been collected from fellow MSers, travel agents, airline staff, cruise lines, disability specialists, and personal experience. There are many aspects to consider when traveling with a disability, from the earliest of planning stages to packing advice to medication tips and tricks. Whether you are jetting off to explore the Himalayan Kingdom of Bhutan or driving out of town for a quick overnight at a nearby bed and breakfast, here’s how to manage all of it.

As one of the most seasoned MS travelers on the planet —having explored over 50 countries on six continents—I have learned the ins and outs of touring the globe while coping with myriad challenges. Walking difficulties. Fatigue. Bathroom challenges. Wheelchair impediments (sooo many impediments). Even full-on relapses. Alas, the days when I could just touch a spot on the map and then go vanished after my 2006 diagnosis of multiple sclerosis. Navigating the globe when you are juggling a disease, chronic illness, or permanent disability is the very definition of touch and go. But damn, if I don’t still go. I seriously get around. You can, too. This guide will show you how

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EXPLORE THIS GUIDE:

Best Advice for Disabled Explorers

MS-Specific Considerations When Traveling

General Medication Advice

Favorite Accessible Destinations

Planning Your Accessible Trip

Disability Hotel Room Recommendations

Before You Go

What to Pack

Flying with a Disability

At Your Destination

BEST ADVICE FOR DISABLED EXPLORERS  

If you read only one section of this guide, read this one.

Ditch the checklists. See what you can see and do not fret for a moment if you can't see it all. I know, the guidebook says you CAN’T MISS something or other. Whatever. Prioritize a few special things and let the rest unfold as it unfolds. Over planning only sets you up for disappointment later. 

Pace yourself. You know your body better than anyone. If you know going all-out is going to put the hurt on your body, save that climb of Kilimanjaro for the end of your holiday and recover on that plane ride. And remember, you don't have to do everything in the guidebooks for your holiday to be called a success. Choose activities wisely and build in recovery time.

Check the ego. You have lots of tools at your disposal to make traveling easier—use them. Wheelchairs, canes, trekking poles, scooters, rollaters, disposable undergarments, you name it. Is someone staring? Who bloody cares. And please, ask for help if you need it. People are amazingly accommodating if asked nicely with a smile.

Don’t panic. There will always be hiccups when you travel some little, some bigger. It happens. And I’ve been through so many messes: missed connections, lost baggage, shuttered hotels, no-show guides, entire legs of vacations cancelled due to unrest, unexpected MS relapses, the works. Catch your breath, count your lucky stars you are in one piece, and set about to fix the situation. Don’t let it fester! Yeah, it sucks. But it won’t ruin your trip unless you let it.

Seek a travel partner. Do not underestimate the importance of a reliable travel companion or caregiver. When you need a little extra assistance, an extra pair of able-bodied hands (and legs) can be a godsend. Treat them well. After all, this is supposed to be their vacation as well!

Eye restrooms. Mentally note all bathrooms and, when traveling internationally, avoid passing up a good one. There are cell phone apps that help you find public potties, but watch data fees overseas. And if you do, remember where it is so you can hustle back to it when nature calls. She always tends to ring at the most inopportune times!

Don't wait. Don't save that dream trip until you retire. Or until the kids are grown. Or until you feel better. MS is unpredictable; go now.

Carpe diem. Seize the day, savor moments, and make your vacation unforgettable for all the right reasons. Focus on the instances that make travel enjoyable, not on your disease.

MS-SPECIFIC CONSIDERATIONS WHEN TRAVELING  

Becoming an MS globetrotter requires a few extra steps in order to successfully navigate planet earth with a disease. This advice may apply to other chronic illnesses, but since I don’t have an ostomy bag or wear a blood glucose monitor, I can’t speak to those.

A doctor’s note. A letter from your doctor stating you have multiple sclerosis is a good idea. I read about a woman denied an extra drink on a flight because she looked drunk. She claimed she had MS. Now a doctor’s letter might not have helped in that particular situation because you can still be drunk and have MS, but I digress.

Contact info. Keep with you your MS specialist’s phone number, e-mail, and off-hours emergency number. If you are traveling out of the country, don’t forget to add on the country code when you dial.

Original bottles. It's probably wise that you don’t take your medication out of their original labeled containers when it comes to cryptic pills (disease-modifying injectable MS meds are okay since they are labeled). The dudes, especially in customs, don’t really like to guess what pills are what.

Infusions. Taking an infused MS treatment, like Tysabri, Lemtrada or Ocrevus? Be sure to plan around your infusion dates. Katmandu likely does not have an infusion center you can use. Same goes for Mavenclad, the oral medication that is given in infrequent cycles.

Pills. On an oral drug like Gilenya, Mayzent, Aubagio, or Tecfidera? Avoid extreme temps. In other words, don't leave them roasting in the glovebox of a hot car or exposed when you are camping overnight in Siberia in January. And if you are camping in Siberia in January, I recommend you see a therapist.

Injections. Taking an injectable like Copaxone, Rebif, Betaseron, Extavia or Avonex? A small, soft-sided cooler (with an ice park or two, but watch that you don't accidentally freeze your meds) works great to tote your medication and can be stored in a carry-on backpack. Taking a cooler is always a good idea when traveling with your injectables even if they don’t require refrigeration because you never know when your drugs will be sitting in a hot car while you are out on a hike.

Xray scanners. The Xray machines used at airports should not harm your medications. And TSA generally does not care about your sharp needles. I personally have never been stopped at security for having a boatload of potentially subcutaneous weapons, but I’ve been pulled aside for an eyeglass screwdriver that was immediately confiscated with appropriate scolding.

Prednisone. Before I transitioned to secondary progressive MS, I traveled with a 3-day oral course of high-dose steroids to treat surprise relapses. You may want to ask your neurologist for an advance prescription as a stop-gap measure to save a vacation, particularly if you are traveling outside your country to remote areas. That way, if you have an exacerbation on a long trekking trip, say in Nepal, a dose of oral steroids could trim your attack symptoms big time and save your vacation. NOTE: Only do this if you have previously taken oral steroids and are aware of how the drug affects you.

Pseudoexacerbations. Remember that there is a difference between an exacerbation and a pseudoexacerbation. According to the NMSS website, a true exacerbation “is a worsening of old symptoms or the appearance of new ones that last at least 24 hours. This is important because stress, heat, and/or fatigue (all of which easily happen while traveling) could cause a temporary symptom flare, which should clear by the next day.”

Exercise. Don’t forget to stretch regularly and exercise. I know it’s your holiday, but your health doesn’t take a holiday. MS researchers have found that regular exercise reduces fatigue, so even on vacation I try to squeeze in workouts, especially if I feel that icky fatigue fog start to roll in.

GENERAL MEDICATION ADVICE  

There are some notable steps to take when traveling with medications, steps that tend to be overlooked by novice travelers. 

Carry on only. Always keep your medications with you as part of your carry on luggage. That’s one piece of luggage you can’t afford to lose.

Refrigeration. Meds require refrigeration? Call ahead to your hotel and ask that a portable refrigerator be put in your room if it does not have a mini bar. Most hotels will be able to honor that request. Note: when removing items from your minibar to make room for meds, be sure to later check your bill. Some minibars have the ability to automatically charge your bill for items removed from the fridge, even if you put them back.

Temperature check. If you need to keep meds chilled, consider bringing a digital thermometer that records the ambient air temperature. Do NOT store your medication in the fridge unless you are certain they won’t freeze, 36 degrees or above. One trick if you don’t have a thermometer: a bottle with just a touch of water (a tablespoon) will do nicely. Put it in the coldest part of the fridge BEFORE you add your meds. Wait at least a few hours. If it freezes, even on the warmest setting, find a new fridge.

Needles. Instead of lugging around a big sharps container for your needles, you might consider a needle clipper / storage device like the BD Safe Clip , allowing you to store the syringe safely. A word of caution, medical waste usually can't be tossed in the trash, so you'll need to find a place to store the empties. At least you won't get poked.

Extras. Bring a few extra doses just in case you do something stupid and pooch one of your injections or drop a pill down a gutter. And if the weather causes delays or cancellations, you won’t be stuck without your medication.

Cannabis. Medical marijuana in any form can get you into deep do-do, especially if jetting about internationally. Even driving across state lines can be cause for concern. That said, domestic travel in America with cannabis, even flying, is unlikely to land you in serious hot water unless you do something stupid. So don’t be stupid.

A final warning. A friend had her baggage confiscated twice--coming and going--because her drugs were packed with her checked luggage. Of course, it didn't help matters that we had a transfer in Singapore, noted for hanging folks with too much Tylenol (actually kilos of heroin, but you get the picture). Her bags were delayed for a couple of days, but fortunately her stash of pills was preventative in nature and not critical.

FAVORITE ACCESSIBLE DESTINATIONS  

Having been to thousands of cities and towns around the globe, I can say from personal experience that virtually every place I’ve ever visited can be experienced—at least to some extent—with a disability, including if you use a wheelchair. And even if there are major accessibility issues, there are almost always workarounds if you have assistance and patience. That said, “doable” doesn’t necessarily mean “enjoyable.” Here are a few destination ideas that are more reliable than most. 

National parks. In the U.S., the National Park Service generally does an adequate job in accessibility. Each park’s website details ease of disability access and many have full and extremely detailed guides. Yellowstone is a standout with detailed trail guides (hills to steep for wheelchairs, steps on the trail, etc.) and their guide even identifies every wheelchair-accessible bathroom and vault toilet.

Major amusement parks and tourist attractions. While many of the rides may be off limits, they cater to so many people from so many walks of life and generations, that accessibility is standard. Scooters and wheelchairs are almost always available to borrow or rent at major tourist attractions.

Olympic cities. Cities that host the Olympic games also host the Paralympics, and that means accessibility. Cities are required to meet certain benchmarks to aid handicapped travelers, from wheelchair users to the visually impaired. Host cities like Barcelona, London, Tokyo, Vancouver, and Athens have all been improved—from sidewalks to public transportation—to accommodate disabled visitors and are noted for their accessibility. 

A cruise. Consider a cruise, even if you are not a "cruiser." I've traveled by ship extensively pre and post MS, and it has a host of advantages. You unpack once (great for fatigue), disability access is good (especially if you need mobility aids), a doctor is always onboard (helpful if you have a relapse), and your travel time is often at night when you are sleeping (no exhausting car rides). See my detailed cruise guide here .  

African safari. Want a far-flung adventure? An African safari is a good option for those with limited mobility because you travel by vehicle, which means access to A/C and that you are seated. The lodges can be spectacular (in Kenya I actually slept in a bed that was 11x9, the size of a bedroom!) and the staff will cater to your special needs. Wheelchair-accessible safaris are an option in some countries.

Ziplining, Water Skiing, Ballooning, Sailing, Riding Camels. For virtually every passion out there, there is an accessible solution. There are many outfitters, far too many to list here, who are specially geared to aid wheelchair adventurers and those with other disabilities. In the Grand Tetons I managed to tack on an afternoon of unbelievable handcycling with Teton Adaptive Sports .

PLANNING YOUR ACCESSIBLE TRIP  

So you are going on vacation!? Woohoo! There are so many things to consider before traveling that you might need a vacation from planning your vacation. Here are some things to think about as you gear up to go on your next adventure.

Budget. I’ve got all sorts of rules when it comes to spending money on travel, and then inevitably I break them. In general, I prefer to spend money on experiences rather than things, so I give myself flexibility to splurge on trips. Over the years I’ve rarely regretted spending the extra cash for something special, even though at the time I’ll often think to myself WHAT THE HELL AM I DOING. But I’ll never forget watching Ronaldo score a hat trick from a sky box in Madrid instead of watching a tired touristy flamenco show that was the original (and far more affordable) plan.

Length. Listen to your body, it’s the ultimate arbiter. If three weeks sounds exhausting, don’t suck it up—shoot for a shorter trip. I’ve discovered that these days my sweet spot with MS is 10-14 days. Long enough to get into vacation mode, but not so long that I’m ready to go home. Plus it doesn’t exhaust my caregiver. And of course I love short weekend adventures.

When to go. The time of year you travel absolutely makes a difference. I prefer to travel in the off season (less standing in line, easier to get into restaurants, better seats at special events) and when temperatures are cooler (heat and MS go together like cereal and gravy). If heat wears you out, traveling when it's toasty could turn a vacation into little more than a quest for A/C.

Travel agents. Consider using a travel agent who specializes in making arrangements for those with disabilities, especially for those big trips. This is particularly useful if you require a wheelchair and often doesn’t cost extra—you may even save. Be sure to inform your agent about your special needs: your current mobility, equipment you will be bringing (or need at your destination), seating preferences, etc. Here is a detailed list of travel agents around the US and around the world who are experienced in working with handicapped folks. For Europe, Sage Traveling  has gobs of trips in dozens of cities that are wheelchair accessible. Travel agents specializing in MS include Tarita Davenock with Travel for All  and Sylvia Longmire from Spin the Globe .

Insurance. If the trip is $$$ and the loss of those funds would be detrimental, consider purchasing travel insurance when you book your trip (we like Travel Guard ). Most travel insurance companies WILL recognize pre-existing conditions like MS, but only if you purchase the insurance within 10-15 days of putting down a deposit on the trip. If you miss that window, any MS event will void out your travel insurance and you are on your own. 

Doh, insurance! Now if you meant to buy travel insurance and spaced it (I can be such a dolt!), there are plans from Travel Insured International  that you can purchase up 30 days after your initial deposit. Remember, "initial deposit" includes any funds to the trip down to the penny. And a word of warning: if you buy your insurance from the same company you are traveling with and they go belly up, you are SOL. So I always recommend buying your insurance from a third party and NOT through your travel agent/company or cruise ship.

DISABILITY HOTEL ROOM RECOMMENDATIONS  

Extra care needs to be taken when booking a hotel room if you have a disability, particularly if you have a disability that impairs walking or if you use a wheelchair. Expect issues, even with major hotel chains. When I have the time, I plan to have a heart-to-heart with all the major players. And maybe some public spats if that’s what it takes for them to be more cognizant of disability issues.

Trust and verify. View your accommodations online before you make reservations. Note stairs, pool access, restrooms, exercise room, etc. Have questions? E-mail or call. You don't want to be stuck going up stairs at a B&B when you thought it was a single level. Also, don't trust "handicap accessible" declarations. What some folks think is accessible is downright laughable. The best solution if you have severe mobility issues: ask for pics and even video.

Trust only so much. Even then you can't trust areas to be accessible. In Peru, I cannot count the number of bathrooms that were "wheelchair accessible" that, despite appearances—oversized with grab bars galore—required getting out of the chair before you were anywhere near the toilet. Stall doors often would not close if you brought in the wheelchair. On another occasion, the bathroom door when open blocked the toilet! If I was 100% restricted to my wheelchair, the only way to access the “accessible” bathroom would be to remove the door.

Accessibility if you need it. A room with an accessible bathroom isn't just for folks who use wheelchairs. As one fellow member of ActiveMSers discovered, having a bathroom with grab bars was essential after an exhausting day. But if you don’t need the extra assistance, save the room for someone who needs it more.

Shower chairs. Some hotels will have shower chairs available if the shower is not already equipped with one, but again its smart to ask in advance or bring your own . And even that might not always help. Our lodge in the Grand Tetons only had a tub/shower combo for wheelchair users. That combo can only work if you have a transfer shower bench . They said they had one. No, they just had a standard shower chair. That wobbled. If the chair is too unstable, request another one. And if one isn’t available? Sponge bath it is! 

Get creative. If you travel it is bound to happen: something won’t go right, and that includes your base lodging. The bed might be too high… so ask staff to remove the box spring or request a rollaway. The room might be next to the ice maker that makes ice only between the hours of 2-4 a.m…. so ask to switch rooms or use those earplugs. 

Measure. Sinks may or may not allow you to roll under them, so if you are wheeling it, ask. And doorways and/or bathrooms (heck, even bedrooms) may not be wide enough for your chair, especially if you are traveling overseas, so have a tape measurement of your minimum requirements needed.

A forewarning. If you get an accessible room, a forewarning: it’s likely going to be bigger… and subpar. Oh, it’ll have much of the same amenities as the other rooms in the hotel, but almost certainly the view will be worse, the location will be worse, the noise disturbances will be greater, and there is nothing much you can do. Except complain. Remind management about the ADA. And demand an upgrade or a discount.

BEFORE YOU GO  

As your departure date approaches, you’ll want to start doing your due diligence in the trip-planning department. The earlier the better to keep stress levels at a low burble.

Create a packing checklist. I have my own that I’ve used for decades, updating it for every trip. I’m constantly tweaking it depending on the type of adventure (so I don’t forget a bike helmet if I plan to bike) and the level of disability (I no longer list a cane because I use a wheelchair). There are plenty of list templates online that you can build off. Remember to add your meds and disability aids. 

Generate a prior-to-departure checklist. I tack this on to my packing list, and it reminds me about all the little things that tend to get overlooked. Reminders to make a plan to water plants, stop the mail and newspaper, inform the neighbors, set the DVR for that show I don’t want to miss, take down the hummingbird feeder so they don’t get pissed off drinking air, stuff like that.

Research online guidebooks. Sure, you can use Tripadvisor. But before you do, research your own city on that website. Not helpful. Instead I steer to the recommendation of expert travel guides. Frommer’s , Fodor’s , Moon , and Lonely Planet . For short adventures, I’ll cut and paste advice. For longer ones, the $15 is a pittance compared to what my trip costs. 

Dig deeper. I’ll often turn to newspaper and magazine articles about the destination I am visiting for even more guidance. My favorites include Conde Nast Traveler , Travel + Leisure , and The New York Times 36 Hours travel series.

Get specific. For a trip to Yellowstone, I researched specifically for wheelchair advice in the national park. I skimmed a handful of blogs and cherry picked their best recommendations. I might have skipped an out-of-the-way accessible trail that wasn’t trumped in any of the mainstream guides, but one wheelchair reviewer said it was a must see. He was right.

Download maps. If you are traveling internationally or to areas with sketchy cell service (hello Death Valley!), this is especially helpful. Maps are useless if your phone can’t access them, and overseas they can chew up gobs of data if you try to load them. While Google Maps is the standard, I especially like HERE WeGo (apps for Apple and Google Play ). Their maps show stairs in the pedestrian mode, so if you use a wheelchair you can avoid sidewalks with stairs, which I discovered are surprisingly common in Chicago.

Download apps. Can you say multiple sclerosis in 35 languages? If you are traveling to a country where you don't speak the language, then download onto your phone the free Accessible Travel Phrase Book PDF by Lonely Planet . Asking for an accessible bathroom, an elevator, and countless other essentials when you have a disability just got way easier. There are many other accessibility apps, including those that help you find bathrooms, that could be a boon in your travels.

WHAT TO PACK  

I have a detailed “trek checklist” that I have used for decades, expanding (and deleting) items as my level of disability has progressed. Before each trip, I print it out and cross off items after I round them up. I recommend you create one for yourself. 

Handicap placard. Have a handicap placard? Bring it! Even if you never plan to drive. With proof of a disability, many entrance fees are waived for you and your caregiver, especially outside the US. If your country offers a disability identification card, don’t leave it at home.

Walking aids. Ideally, bring multiple forms of walking aids. Why? If you lose your cane, you still have your trekking poles and vice versa. Also, if you primarily use a rollator/walker, bring a cane or forearm crutches! I heard from one MSer who had so much trouble with cobblestone streets in Italy that her rollator was essentially useless. The cane, although it meant slower going, saved her vacation. A pair of forearm crutches offers three times the support of a single cane and can make getting around on uneven surfaces a cakewalk. Incidentally, I don't like the cane/seat combo (oh, but it sounds so convenient): it's a crummy cane and a crummy seat. Get your pants a little dirty and sit on a curb if you must.

Gait belt. I travel with one now (I own this one ), and it should have been in my arsenal a long time ago. Basically, a gait belt secures around your waist and makes for a great handhold for a caregiver or crew member to grab and assist you. It can be used for transfers (say bed to wheelchair), help you stand after a fall, or save your bacon in a dicey situation, like getting off a tender on a cruise. I don’t wear it around, but it’s nice to know it’s available if needed.

Cooling vests and wraps. Since usable freezers while on the go can be hard to find, my preferred all-around travel vests are those phase change vests that recharge in ice or at room temperature. The easiest cooling vest to pack is one that is evaporative, since it is lightweight uncharged, but they perform poorly in humid conditions. Refer to ActiveMSers’ cooling vest guide for more. Another convenient cooling companion is a lightweight wrap that you dampen, like those from WrapMeCool .

Carry-on luggage. Smart packing advice taken from veteran travelers: when flying, make whatever you bring fit into a single carry-on bag, especially if you are going to be traveling to multiple destinations. Yes, this includes if you are going overseas for three weeks. You'll never lose a bag, it's far easier to handle than larger luggage, substantially lighter, and you can pawn it off on a travel companion if need be! This one from Briggs & Riley checks all the boxes and comes with a lifetime warranty.

Or a large wheelie bag. I know, I just recommended small. But as my disability has progressed, I’ve gravitated to one large shared bag (we use this one , it is pricey but dynamite). The larger bag is always checked, easily hold all of my aids, and is convenient on driving trips. Laura rolls this while I roll my wheelchair. If need be, she puts it on my lap, and I become the luggage cart. If we add on luggage, it is usually a carry-on and a backpack, which can also carry loose wheelchair parts when flying.

Sun protection. This sounds like a no brainer, but with heat being an issue for MSers, every cooling trick helps. I like a wide-brimmed floppy sun hat. I’ve tried sun-protective clothing ( Solumbra is highly recommended, but it’s still warmer than I’d like, so I tend to use sunscreen liberally. Finally, a UV umbrella makes a difference, and our testing confirms they really do keep temps cooler under their canopy. Amazon has many options, and  this lightweight version would be ideal for travel. Umbrellas also have an added benefit. You know, for keeping you dry in a rainstorm.

Lighten up. I like a tiny, lightweight digital camera or cell phone (keep a smartphone in airplane mode if abroad to avoid outrageous bills; FaceTime and WiFi can still be used) to record my travel memories: photographs, audio and video. The weight savings and convenience of just slipping it in your pocket is invaluable. Of course an SLR is great, but not so great to lug.

Portable grab bars. In the past when stability aids weren’t mandatory but merely helpful, I’ve used portable suction cup grab bars (I recommend this one ) . These are a boon when staying in a standard room or bed and breakfasts when you need a little extra help getting in and out of the shower.

Rolling considerations. If you need a wheelchair when traveling, a foldable manual chair, especially one with removable wheels, offers the most flexibility. Rigid chairs usually work fine, but not in all situations. Scooters and electric wheelchairs may limit you in ground transportation options, but if you use these devices you already know that drill. Renting a wheelchair is an option in some countries (e.g., most pharmacies in France rent them), but I’d only rely on that in a pinch. Renting scooters is also an option. You can have them delivered directly to your hotel. I’ve tested and reviewed the best travel mobility scooters .

Bedside commode. For road trips, this can be an unexpected boon. Bathroom out of service? Lines too long? Rest stop closed? Restroom not wheelchair accessible? If you *need* a bathroom and can’t do the squat pot, having one of these in the car for emergencies is a nice security blanket. Plus you could use it as a shower chair. Ideally find a spot out of the way (duh) and for bonus privacy, you could always drape a sheet or pop an umbrella.

FLYING WITH A DISABILITY  

One of the most stressful aspects of traveling with a handicap can be the simple act of flying. For many of us, taking to the air used to be so carefree, but now hazards are everywhere. Here’s some advice to help you breathe easier.

Preboard. Take advantage of early boarding and ask a flight attendant for help if you need it. If you are unable to walk, you’ll want to request an aisle chair. Note: airlines have various rules. Southwest lets you board early and gives you extra time, while other airlines may have you go on after first class and business. And then others might actually have you board dead last, because, you know, they are assholes.

Walking aids. Canes are allowed aboard airplanes, trekking poles are as well (tell anyone who asks that they are mobility aids), ski poles are almost always frowned upon. Forearm crutches are no problem, but a flight attendant may have to store them in another area on the plane if they don’t fit in your overhead bin. If that happens, you’ll need to ask for them back for restroom visits or be relegated to seat surfing. Note: Picked up a cool sword-cane in Kenya? If you can't fit it into your checked luggage, I guarantee you it will be confiscated, walking aid or not. And then all you'll have is a cool sword-cane story of woe.

TSA advice. “One thing you have to watch is that the TSA loves to search bags that are carrying cooling vests/hats/scarves that have hydration beads. Avoid someone pawing through your luggage. Take them in your carry on and inform the screener.” — Mary, Washington

More TSA advice. A United Airlines security rep wants me to remind all of you with cooling vests NOT to actually wear it when going through security. You know what those gel packs look like when they scan your body? Like a bomb strapped to your chest! Take it off or tell your friends to break out their cameras to film the chaos.

Final TSA advice. Review the rules for disabilities and medical conditions here .

Wheelchair assistance. “Request wheelchair assistance when booking your flight if you are not bringing your own. When you check in, tell the ticket agent that you had requested assistance and they will call someone for you. This person will take you and whoever is traveling with you thru security—without having to stand in the long lines and right to the gate. If you have to switch planes because you’re not flying direct, they will have someone waiting for you to take you to the next gate. If there isn’t anyone there, let the gate agent know and they will call for someone for you. When you arrive at your destination, someone will be there and take you to baggage claim. Remember to take some dollar bills to tip with. The wheelchair assistance will help you conserve your energy.”     — Mary, Oklahoma

Personal wheelchairs. If you are traveling with a personal wheelchair, be sure to gate-check your wheels, so that you can take it all the way up to actually boarding the plane. When you leave your chair at the plane's entry, detach all easily removable items and take them aboard the plane personally as a carry-on item. That includes seat cushions, footplates, and armrests. I like to bring a small stuff sack to, well, stuff everything into so that my wheelchair knickknacks stay in one place, limiting the risk of something falling out of the bin and clunking an innocent stranger on the head. And by taking gear with you, it will minimize the risk of losing an important piece of equipment. It will seriously suck if they lose a left footplate and you've got to enjoy your entire vacation with your legs crossed... even when you don't have to tinkle.

TSA Precheck. Is TSA Precheck worth it ($85 for 5 years, Global Entry is $100)? If you fly more than once or twice a year, probably. You get to speed through the security check, waits are usually less than 5 minutes, and you get to keep your shoes on, belt on (I you are brave enough to wear such things with an unpredictable bladder), and your liquids can stay in your bag. If you use a wheelchair, there is usually no pat-down and they just test your hands and chair for explosive residue. Super quick and easy.

Batteries. If you are traveling with a scooter or electric wheelchair, it's best if you have a "gel cell" or "dry cell" battery. If you have a wet cell battery (a rarity these days), the airline will have to remove it from your chair for special storage, a hassle. Again, don't forget to remove seat cushions, etc., to prevent them from getting lost in the belly of the plane as your scooter will either be gate checked or go through checked luggage. Don't forget to secure the key (or power pin) with something a bit stronger than a rubber band. Some suggest fishing line. And setting the throttle on the slowest setting and taping over it will help prevent speedy joyrides.

Weight considerations. How much does your scooter or wheelchair weigh? If it is too heavy, it may not be allowed on some flights. We recommend calling ahead to check for any restrictions.

Power chair tip. On your power chair, if you can remove the joystick, that is recommended. Or at least point it downward. Those little buggers, sticking up at attention, have an uncanny ability to attract errant luggage.

Curbside check-in. Consider using curbside check-in and the luggage porters when you arrive at the airport. Saving your energy for a few bucks is usually worth it.

Recommended seating. Request an isle or forward seat on the airplane. The closer you are to the front of the airplane, the less walking you have to do. Another reason: hey, sometimes when we MSers have to go to the lavatory, well, we really gotta go. If the front of the plane is not available, head to the rear. On international flights, I always check www.seatguru.com to find seats close to the toilet, since there are a number of them located in various areas of large planes. Also note that in the last row the seats may not recline fully, but if you have walking aids, you often can store them behind the seat, which makes retrieving them cake.

Change of clothes. Speaking of bathrooms, it wouldn’t hurt to have a change of clothes in your carry on. In fact, I’d consider this mandatory. Sometimes our bodies don’t do what they are supposed to do, and wearing clean clothes is a lot better than wearing wet clothes washed in the airplane lavatory.

Bathroom advice. And I’d suggest hitting the restrooms just before boarding. Now, of course, don’t dehydrate because of the above advice. Drink plenty of H20.

Jetlag. Jetlag may be mitigated with a sleep aid and it can make even an 18-hour plane trip a relative breeze. BUT a few important words of caution. 1) Never drink alcohol and take a sleep aid. 2) Don't try it for the first time on an airplane. 3) Only take it if you have a companion. A United Airlines security rep warned me that altitude, alcohol and Ambien can be a dangerous mix.

AT YOUR DESTINATION  

Pat yourself on the back, you’ve arrived! Here are some tips to make your holiday enjoyable and stress free. Okay, there will always be a little stress. Sorry.

Time your adventures. You know your body. If you have morning energy and splat in the afternoons, maximize mornings. Personally, my bladder gives me fits until 10 or 11, so we rarely are on the road before then. It is what is!

Don't rush. You don't have to cram everything in. Be selective and enjoy what you do. When you get home you'll have far better memories than racing the clock to hit all of the Smithsonian Museums in one D.C. afternoon.

Daypack. I always have one and it has all the essentials. A touch of extra medication, a water bottle, hand sanitizer, a lightweight raincoat or poncho (I’ve got this for my wheelchair ), and an emergency clothing pack (replacement adult undergarment, sanitizing wipes, and a pair of pants).

Skip to the front. If you are using a wheelchair, especially internationally, museums and sights are often free and you go straight to the front of the line, no questions asked. Eiffel Tower with a 2-hour wait? Bam, next elevator. Hordes of people surrounding the Mona Lisa? Bam, front-row access, even closer than any able-bodied person. Sistine Chapel access? Bam, through back corridors and hidden passages of the Vatican.

Toilet scouting. When you get to a cafe or hotel that you will be hanging out at for a bit, ask where the toilets are located before you need them. Some are so well hidden, you would never find them. Ever. At one hotel after dinner I was befuddled as to where the bathrooms were. It was around a screen, in a closet, behind a closed door. Also, some are downstairs, requiring a new plan if stairs are off limits. In one case, a waiter took me to a different building altogether to get me to any easy-access toilet. If you don't see an accessible bathroom, ask. One cafe had it hidden behind brooms and boxes.

Wheelchair assistance. If you need help getting around the airport or a massive hotel or a museum, ask. Don’t be shy. This is your vacation and you don’t want to spend two days recovering from what amounts to stubborn pride. Most facilities have wheelchairs you can borrow, although be forewarned: you'll often get a beater. On a trip to Boston, I got overconfident and failed to bring my wheelchair. And none were available to rent. So we switched hotels to one that provided a chair to guests and used it all weekend. It saved our trip from being a series of short cab rides.

Take advantage of breaks. Seek shade, drink some icy beverages, and sit down when you can. The energy you save will come in handy later, trust me.

Splurge. Sometimes convenience costs a little extra. It's often money well spent. Remember that.

Sidewalks. If you are rolling, your travel companion may need to scout ahead and alter your route to find curb cuts, since some will be blocked or nonexistent.

Folks are accommodating... if you ask. A table by the wall (perfect for stashing my forearm crutches), a spot near the bathroom (for those uncertain times), a seat upfront (to avoid the maze of diners).

Souvenirs. Okay, so you found some incredible (and easily breakable) souvenir on the last days of your trip that will not fit into your luggage with all your clothes ... because you listened to me imploring you not to take a large suitcase. And if you ship it home, odds are high it will break. What to do? Ship home your clothes and toss your new treasure into your bag. 

Keepsakes. Laura and I have collected a souvenir from virtually every place we’ve ever traveled. Now before you think our house is nothing more than a pile of cheap trinkets and commemorative shot glasses littering every available shelf, I’ve got to let you in on a secret. Christmas ornaments. They are small, easy to pack, and affordable. Every holiday we decorate the tree together and relive our adventures and experiences for a good month before tucking them away to get discovered anew the following year. Um, yeah, we’re gonna need a bigger tree.

That’s a wrap, our best recommendations and advice for traveling with multiple sclerosis or other disabilities. For more specific tips on how to cruise with multiple sclerosis, don’t miss our exhaustive guide on cruising with a disability .

Happy and safe, stress-free travels!

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Travel Insurance for Multiple Sclerosis

Ready for a holiday don’t forget to find travel insurance with ms cover.

Anyone living with multiple sclerosis (MS) knows of the daily challenges that it brings. When you’re planning your holiday, you want to make sure that you are covered should an MS-related medical emergency happen. Being insured will give you the peace of mind needed to relax during your well-deserved time off. 

The Importance of multiple sclerosis Travel Insurance

MS symptoms may flare up at any time, and unfortunately, this does not stop when you are on holiday. Depending on your MS type, it is vital to ensure you have Travel Insurance for multiple sclerosis. Each year in the UK, an estimated 7000 people are diagnosed with MS. You are not alone in your experience, and our experts are skilled in helping people like you find the right MS Travel Insurance. 

Compare and choose Travel Insurance with MS cover

MS is a complex condition, but thanks to our quick online medical screening procedure, we aim to make finding Travel Insurance with multiple sclerosis cover straightforward. You will be asked questions about your current level of assistance, mobility aid usage, and recent MS relapses to ensure you get the most suitable level of cover for your MS. When answering the online medical screening questions, we ask that you try to be as truthful and accurate as possible. By doing this, we will provide you with a list of MS Travel Insurance options that best cover your specific needs. You can then compare policies and choose the right multiple sclerosis Travel Insurance policy for you.

No matter where you’re travelling, having specific multiple sclerosis Travel Insurance may help you unwind. Don’t let your MS prevent you from taking your dream trip.

Travel Insurance for Multiple Sclerosis FAQs

Frequently asked questions about Travel Insurance for Multiple Sclerosis .

Is MS a pre-existing medical condition?

Yes, MS is typically classified as a pre-existing medical condition. This is where Travel Insurance for multiple sclerosis becomes vital. You must disclose all of your pre-existing medical conditions to your insurance company, including MS.

If you do not inform your insurance company about your MS condition, your Travel Insurance policy may not cover you for an MS-related medical emergency or cancellation.  To be prepared, it is best to declare all your medical conditions so you can have confidence knowing that you will be covered and won’t have to pay out of pocket.

Does MS affect my Travel Insurance?

It may be the case that a standard Travel Insurance policy does not cover your MS condition, and when declaring it, the price is increased. However, it also depends on where you’re travelling and for how long, as well as your age and other medical history. While getting MS Travel Insurance might cost you more, it could save you thousands in the long run if a medical emergency happens on your holiday.

How far in advance should I purchase MS Travel Insurance?

To ensure you have adequate Travel Insurance with MS cover in place, it’s best to purchase your policy as soon as you’ve booked your trip. This ensures that you’re covered for any trip cancellations or pre-departure medical issues related to your multiple sclerosis. At Just Travel Cover, we can provide you with MS Travel Insurance up to 18 months before your holiday.

Travel Insurance for Multiple Sclerosis Patients – Your Cover

• Cancellation/ curtailment up to £12,500 (£30,000 on referral)
• Missed departure up to £1,500 per person
• Baggage up to £3,000 per person
• Personal Liability up to £2 million per person
• Zero excess policies available

Medical Cover for Multiple Sclerosis

• Emergency medical expenses and repatriation up to £15 million
• 24/7 emergency medical assistance
• Cover for all types of Autoimmune Conditions

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Does Health Insurance Cover Multiple Sclerosis Treatment?

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Frequently Asked Questions

Multiple sclerosis (MS) affects everyone differently, with symptoms ranging from mild to disabling. At any level of disability, managing MS over a lifetime can become a financial burden.

The National MS Society estimates that living with MS costs upward of $70,000 per year per person. Of course, your experience may be different.

This article discusses health insurance coverage and financial assistance for people living with MS. 

Luis Alvarez / Getty Images

Financial Aid for Multiple Sclerosis

Your cost of care can vary greatly depending on your health insurance coverage.

Medicare is health insurance for people 65 or older, but you may be eligible earlier if you have permanent disabilities due to MS . Medicare is broken down into several parts as follows:

• Part A covers inpatient care in a hospital or nursing home. It also covers some in-home and hospice care. Most people don’t have to pay a monthly premium.
• Part B covers visits with healthcare providers and other healthcare professionals. It also covers durable medical equipment, outpatient services, and physical and occupational therapy. Most people pay a standard premium.
• Part C is also known as Medicare Advantage . This is private insurance that provides similar benefits as Medicare.
• Part D offers prescription drug coverage.
• Medigap is a supplemental insurance for Medicare. It pays for some out-of-pocket costs.

Applying for Medicare

You might be automatically enrolled in Part A and B if you’ve reached full retirement age, or you’ve been receiving Social Security Disability Insurance (SSDI) benefits for 24 months. The enrollment period for Medicare spans three months before and three months after the month you're eligible for full Social Security benefits. Medicare.gov provides a step-by-step guide to help you through the process.

Medicaid  is a federal and state health insurance program. It covers people with a low income and people with disabilities. Eligibility requirements vary from state to state.

Applying for Medicaid

You can apply through your state’s Medicaid agency or through the Health Insurance Marketplace. Check your eligibility or find your state agency at Healthcare.gov .

Government Assistance Plans

In the United States, nearly 30% of people with MS receive benefits through SSDI.

You must have worked in jobs covered by Social Security and have a qualifying disability. Multiple sclerosis is a qualifying disability when it involves:

• “Disorganization of motor function in two extremities resulting in an extreme limitation in the ability to stand up from a seated position, balance while standing or walking, or use the upper extremities.”

Marked limitation in physical functioning, and one of the following:

• Understanding, remembering, or applying information; or
• Interacting with others; or
• Concentrating, persisting, or maintaining pace; or
• Adapting or managing oneself

Applying for SSDI

Use this adult disability checklist to see if you meet the criteria. You can also apply for benefits online.

Private health insurance is insurance not provided through a government agency. For example, insurance you get through an employer or through an insurance agent.

You can also compare plans and sign up through the Health Insurance Marketplace . Marketplace plans must cover certain essential benefits . Also, your income level may qualify you for tax benefits and premium savings. Certain life events allow you to sign up during a special enrollment period.

How to Check If Your MS Treatment Is Covered

There are multiple factors you should check to ensure your treatment is covered by your insurance, including finding a healthcare provider within your network and confirming your insurance covers the services and medications you need.

Checking Your Healthcare Provider

In most cases, you’ll want to find healthcare providers who are within your policy’s network . This will help keep your out-of-pocket costs down. Depending on your policy, you may have limited or no coverage when using out-of-network healthcare providers.

Your healthcare provider's office may have a staff member dedicated to dealing with insurance. In many cases, they can work directly with your insurer to verify your benefits. You can call or log in to your insurer’s website to find network healthcare providers.

Checking Your Services

Call your insurer or check your plan’s Summary of Benefits and Coverage page. It will list services covered by your plan, along with copays or coinsurance .

Checking Your Plan’s Formulary

Your plan’s formulary is the list of drugs covered under your policy. It will also show your copay. The formulary is divided into tiers for generic, preferred brands, and specialty medications. The higher the tier, the higher the out-of-pocket cost. You can usually find the formulary under your plan’s Summary of Benefits and Coverage.

Disease-modifying therapies (DMTs) for MS are considered specialty drugs. They tend to be among the most expensive on the formulary list.

Determining Total Out-of-Pocket Costs

Out-of-pocket costs are those you must pay in addition to monthly premiums. These costs include:

• Deductibles
• Coinsurance

Health policies generally have an annual out-of-pocket maximum . Once you hit the maximum, your policy covers 100% for the rest of the year.

MS Treatment Cost

DMT prices are the biggest expense related to MS treatment. In the United States, many DMTs cost more than $90,000 per year. Your health policy may cover some or all of this cost.

What to Do If Your Treatment Isn't Covered By Your Plan

Your healthcare provider may be able to point you toward resources. Pharmaceutical companies often have financial assistance programs for those who don’t have adequate coverage. Be sure to check the manufacturer’s website for this information. Other organizations that may be of assistance are:

• PAN Foundation
• State Pharmaceutical Assistance Program
• The Assistance Fund

Most insurance policies must cover some portion of your MS treatment. What you pay out-of-pocket depends on the details of your policy. You can avoid getting caught off guard by checking your benefits in advance of treatment.

If you don’t currently have health insurance, you may be able to enroll through the Health Insurance Marketplace. And most pharmaceutical companies have financial assistance programs to help with the cost of DMTs.

You can learn more about managing MS-related expenses through your healthcare provider’s office or calling your insurer directly.

A Word From Verywell

Living with a chronic illness is challenging enough. And the financial reality of MS can be daunting. Fortunately, there are resources designed to help you navigate life with MS. Researching your options takes time but could prove well worth the effort.

Whatever your concerns about MS, you’re certainly not alone. You can find support and connect with others who “get it” through your local chapter of the National MS Society .

It depends on your unique circumstances. You may be eligible for various health insurance options, prescription drug assistance programs, and other financial resources. To learn more about potential benefits, contact the National MS Society . You can also check out the  Grants & Programs offered by the Multiple Sclerosis Foundation. 

Yes. But under the Affordable Care Act, Marketplace and Medicare plans must cover treatment for pre-existing conditions. And they can’t charge you more because you have MS. Grandfathered plans are an exception, but you can switch to a Marketplace plan during open enrollment.  

It depends. You qualify if you’re 65 or older. You may also qualify if you have permanent disabilities due to MS and have received SSDI benefits for 24 months. 

García-Domínguez JM, Maurino J, Martínez-Ginés ML, et al. Economic burden of multiple sclerosis in a population with low physical disability . BMC Public Health . 2019;19(1):609. doi:10.1186/s12889-019-6907-x

National MS Society. Financial resources .

Social Security Administration. Medicare benefits .

Hartung DM. Economics and cost-effectiveness of multiple sclerosis therapies in the USA . Neurotherapeutics . 2017;14(4):1018-1026. doi:10.1007/s13311-017-0566-3

Social Security Administration. Disability evaluation under social security. 11.09 multiple sclerosis .

Hartung DM. Health economics of disease-modifying therapy for multiple sclerosis in the United States .  Ther Adv Neurol Disord . 2021;14. doi:10.1177/1756286420987031

Centers for Medicare & Medicaid Services. Coverage for pre-existing conditions .

Centers for Medicare & Medicaid Services.  Your medical costs .

Department of Health and Human Services.  About the Affordable Care Act .

By Ann Pietrangelo Pietrangelo is a health writer who has authored two books: one focused on multiple sclerosis and the other on triple-negative breast cancer.

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Free Spirit

Medical Travel Insurance With No Age Limits

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Multiple Sclerosis Travel Insurance

If you are diagnosed with Multiple Sclerosis (MS) it shouldn’t stop you from doing the things you enjoy like travelling and enjoying a holiday.

Free Spirit MS travel insurance, is a comprehensive policy with all the key features you need for peace of mind and a hassle-free break. We were the first scheme of its type dedicated to those being declined cover elsewhere due to their health and we are now one of the UK’s largest specialist travel insurance providers, for people with medical conditions and disabilities.

Why it’s important to cover your MS

As long as your doctor or consultant has agreed you are fit to travel and provided you’re not awaiting surgery or further investigations, we will aim to offer a quotation for a specialist MS travel insurance policy to cover not just your Multiple Sclerosis but any other associated medical conditions.

Cancellation and emergency medical expenses cover

You will be covered for a minimum of £5 million of emergency medical expenses, so should your condition take a turn for the worse or be unfortunate to have a slip or fall and require treatment, you won’t have to bear the cost. In the event you lose or damage your prescribed MS medication, this will also be covered. In the event you need to cancel your holiday due to your MS, Free Spirit can provide cover for your unused travel and accommodation costs that you have already paid for or are contracted to pay (terms and conditions apply of course! See the policy wording for full details)

Consequences of not covering your Multiple Sclerosis

If you suffer from MS and be unfortunate to have a medical emergency, failing to purchase adequate pre-existing medical condition travel insurance could leave you open to paying for expensive medical treatment and hospital accommodation costs, especially in places such as Spain and the USA. Many standard travel insurance policies will exclude cover for serious medical conditions such as MS or will decline to offer cover.

Travel insurance Multiple Sclerosis – Cover and benefits

It is important to ensure you have specialist pre-existing medical condition travel insurance to ensure you are adequately covered for your MS. With our MS travel insurance, you will receive the following cover and much more:

• Cancellation or Curtailment/Loss of holiday cover up to £5,000*
• Medical aids cover up to £2,000*
• Repatriation to your home country is automatically included
• Personal baggage cover up to £3,000*

*with Super Duper cover

Getting a Multiple Sclerosis travel quote

Obtaining a quote and getting cover for your Multiple Sclerosis travel insurance couldn’t be easier. Free Spirit provides online medical screening and we will ask you some questions about your MS so that you get the cover you need for your medical condition:

• Has your ability to look after yourself worsened significantly in the last year?
• Do you currently use any mobility aids?
• Have you had any acute relapses in the last year?

Should you need any help whilst getting a quote or if you have any questions not covered by our frequently asked questions page, our dedicated UK-based customer services team is on hand to help you.

Useful tips for travelling with MS

Flying/Transport: Remember to tell your airline of your needs in advance. Airlines can arrange a wheelchair or special transport for use in the airport. Most airline carriers will carry standard-size wheelchairs free of charge, however, battery-powered chairs may need to be dismantled for carriage.

Medication: Check that you have enough medication for the duration of your trip and a bit more just in case you are delayed on your return journey. Try to carry your medication in your hand luggage in the event your hold luggage is lost in transit. If you’re travelling to a new time zone, you’ll need to adjust the time you take your medication. Check with your doctor for your own personal situation to ensure you do not take too much or too little.

Hotel: Check that your hotel is suitable for wheelchair access if necessary. Is your room on the ground floor if there is no lift or do you have difficulty with climbing stairs? Check the bathrooms are accessible and are they fitted with grab-bars and seats.

Peace of mind included

Travelling companions can also be covered on Free Spirit, whether they have a pre-existing medical condition or not. By including your travelling companions on the same Free Spirit policy, you will ensure the whole party is covered. If you had to cancel your holiday due to your MS, travelling companions on the same policy would also be covered which may not be the case if they had taken out a separate policy elsewhere.

For full details of our Multiple Sclerosis travel insurance cover, please read our Free Spirit policy wording .

Don’t forget, if you arrange your cover as soon as you book your holiday you will be immediately protected should you need to cancel your trip (terms and conditions apply of course! See the Free Spirit policy wording for full details).

Travel, With Confidence

View the MS Trust website , which has some great travel tips and information to help you plan a holiday if you’re living with MS. From where to find accessible accommodation and attractions to some honest holiday reviews.

CUSTOMER REVIEWS

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We were pleased with our Free Spirit travel insurance quote as we thought it would be more expensive with our medical conditions.

There are times when you feel you have had such good service and attention that you just have to put pen to paper in recognition of the care, help and…

I have left two testimonials already but feel it important and necessary to add a third. I have a pre-existing medical condition, which other insuranc…

My son has pre existing mental health problems as well as some physical difficulties. I am his main carer. He had the opportunity to go away for a wee…

My only experience with Free Spirit travel insurance has been the purchase of same but it was a good and efficient experience.

It was nice to find that my initial enquiries dealt with in a pleasant, efficient manner when I bought an annual travel policy. Though I was sad to ha…

I felt it was only fair to say thank you for a job well done on our behalf without much upset. I was gutted that we had to cancel our special cruise a…

Staff answering phone calls are well-trained and well informed. They listen well, assimilate information quickly and accurately, and respond appropria…

I have been most impressed with the service I have received. It is extraordinarily rare for companies to look for ways in which their customers can a…

My husband and I would like to add our appreciation of your very efficient and speedy responses to our communication with you. We are impressed with y…

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MS Travel Insurance

Compare cover from as little as £11.09*.

Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover for their medical conditions.

Why do I need travel insurance for Multiple Sclerosis (MS)?

Multiple sclerosis (MS) symptoms vary from person to person, but symptoms often gradually worsen over time, or can flare up in different phases, including on your holidays. This all depends on the type of MS you have.

With MS being such a complex condition, you may find it tricky to find standard travel insurance. But don’t worry, you can use our online comparison tool to compare your travel insurance quotes for your MS within minutes, to make sure you get the right insurance for your specific needs. It’s simple and easy.

Specialist Medical Cover

We only work with providers who specialise in covering pre-existing conditions.

No discounts. No pressure. We’ll always show you the best prices from providers.

Do I have to declare MS on my travel insurance policy?

If you’ve been prescribed medication or seen a medical professional (such as a GP) in the last 2 years for your MS, then you will need to tell us about your condition. Remember to also include any relevant health conditions of your travelling companions, if you’re getting a group policy.

When you’re telling us about your pre-existing medical conditions, it’s likely that we’ll ask a few questions about your health condition. The answers you provide will help travel insurance providers get a better understanding of your condition and general medical background.

These questions could include:

• Do you require more assistance than you did 12 months ago?
• Do you currently use any mobility aids?
• Have you had any acute relapses in the last 12 months?

It’s really easy to then compare specialist quotes from up to 30 different providers to find a policy to suit you. No paperwork, no phone calls, no hassle.

What will travel insurance for MS cover?

Alongside providing cover for your MS, you can expect your travel insurance to include the same things that a standard travel insurance policy would include, such as: 

• Emergency medical expenses and repatriation - if you’re hospitalised, or even need to be brought back to the UK for treatment as a result of your condition. 
• Lost, stolen or damaged personal belongings - this could include any medication that you’re taking with you to treat your anxiety.  
• Cancellation and curtailment - if you suddenly decide to cancel your trip, or end up cutting it short.
• Travel delay - this won’t always be included, so check your cover
• Personal liability - if you cause accidental damage to another person, or someone else’s property - cover is provided.

You can compare this type of cover across a range of specialist travel insurance providers, so why not get started?

Finding travel insurance cover for MS

Due to the often debilitating and progressive nature of MS, it is highly advised that you shop around for the right type of specialist travel insurance in order to give you peace of mind that any issues that could arise due to your condition are covered on your travels.

MS patients can still travel and enjoy themselves provided they have the right precautions in place to manage their condition while they are on the move. This includes having all the right medication and support required from other people/mobility aids.

If you suffer with MS and are considering booking a holiday – you may wish to consult your GP beforehand, just to get a second opinion.

They may well be best placed to advise you on what you should and shouldn’t do to ensure your trip is memorable for all the right reasons. It is also wise to inform your airline if they need to make any special considerations on your behalf in terms of individual assistance.

Top tips for travelling with multiple sclerosis

Dr Sarah Jarvis is the Clinical Director of the Patient Platform, an active medical writer, broadcaster, and the resident doctor for BBC Radio 2.

Every person with multiple sclerosis, or MS, experiences it differently. You may feel almost entirely well between flare-ups, or you may face significant ongoing physical challenges. But regardless of your symptoms, there’s no reason you shouldn’t go on holiday.

However, there are certain considerations if you have a physical disability, and several MS-specific factors to consider.

1. If you have MS, you probably know all about feeling tired – it’s one of the most common features of MS. You’ll also know that if you overdo things, you may end up exhausted no matter how much rest you get over the next few days. So don’t plan too much and factor in regular rest periods.

2. Talk to your specialist well in advance about any travel plans. For instance, you may be having treatment with regular infusions. This shouldn’t stop you from travelling, but you may want to schedule your holiday around these infusions.

3. Some people with MS find their symptoms become worse in hot or humid climates. You should avoid too much sunshine and consider visiting during the cooler months at your destination.

4. If you do opt for a trip to a hot destination, factor in a period after you arrive with no plans to acclimatise. Make sure there’s air conditioning at your destination and pack loose, lightweight clothes made of breathable fabric.

5. Getting a serious infectious disease can worsen MS symptoms. Take extra care to avoid tummy bugs: wash your hands regularly; carry hand sanitizer in case washing facilities aren’t easily available; opt for freshly cooked, piping hot food; avoid food from street vendors; steer clear of salads in areas where water may be contaminated; always peel fruit and vegetables.

6. Where fluid is concerned, stick to boiled or bottled drinks. Tea and coffee, beer and wine, and fizzy drinks from sealed bottles and cans are all safe. However, don’t add ice – which could have been made from contaminated water – to your drinks.

7. If you’re considering a venue where travel vaccinations are required or recommended, you may need to start planning further in advance. While the benefits of vaccination outweigh and risks of vaccines for most people with MS, you may need to take precautions if you’re taking some disease-modifying treatments, if you’ve recently had a relapse, or if you’ve taken steroid tablets in the recent past. Check with your specialist nurse well in advance.

8. Do some research on the internet for sights you’re interested in visiting, to see if they’re wheelchair accessible. Your travel company may also be able to advise.

9. If you have a Blue Badge as a result of disability, you can use it in some EU countries, Liechtenstein, Norway, and Switzerland. Do remember that rules and concessions will vary between countries, so check the details for the country you’re visiting.

10. Order repeat supplies of your medications well in advance and if possible, take enough to last twice the length of your trip in case of delays.

11. Pack medication in your hand luggage and if possible, spread your medicines between you and a travel partner, just in case your luggage is lost.

12. Keep all your medicines in their original packaging, and keep a copy of your repeat prescription. You may need a letter from your GP (they may charge for this as it’s not an NHS service).

13. If you have liquid medications that need refrigerating, speak to your pharmacist about a thermos flask or other equipment to keep them at the right temperature. And do check in advance that your accommodation has a fridge.

14. If you’re taking controlled medication, it’s essential to check the regulations on bringing medicines into the country you’re visiting. For instance, gabapentin and pregabalin (commonly prescribed for nerve pain in MS) have been classed as Schedule 3 controlled drugs in the UK since just before the pandemic in 2019. That means that if you were bringing them into the UK, you would need to get a personal licence and carry a letter confirming the medication was prescribed for you. However, regulations in different countries vary, so you need to check with the foreign embassy of the country you’re going to before you travel.

15. Some medicines that aren’t controlled drugs in the UK have restrictions on them in other countries. You can find out more from our article on taking medication abroad . You’ll need to check a few weeks before you go because sometimes you’ll need to get an export licence to take medicines out of the UK (usually if you’re going abroad for 3 months or more).

16. If you use a wheelchair, check this wheelchair-accessible travel guide for advice on how to make travelling smoother for you and your companion(s).

17. Always make sure you have specialist travel insurance. If you’re travelling in some European countries, you’re eligible to some medical care using a Global Health Insurance Card – the replacement of the old EHIC. However, this doesn’t always mean free care and doesn’t cover all medical care, so it’s still essential to have separate insurance.

Optional extras

Also, feel free to add any optional extras that you need - such as gadget cover, cruise cover or winter sports cover.  

This may increase your premium, but it’s definitely something to consider when shopping around, especially if you have different types of holidays planned.

Gadget cover Cruise cover Winter sports cover

Get cheap quotes from specialist MS travel insurance providers

Use our straightforward quote comparison tool to find the cover you need. It literally takes minutes. You can compare MS cover across a range of specialist insurance providers, all in one place - so there should be plenty of choices. 

Once you’ve got everything sorted - so you can get on with the good stuff and start planning your trip.

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Frequently Asked Questions

A pre-existing condition is a diagnosed medical condition that existed before taking out a policy. We'll ask a series of questions about the medical history for you and any travellers on your quote. If you answer yes to any of these, you will need to tell us about the traveller's conditions. This could be a condition that a traveller has now or has had in the past. If you are not sure what conditions you need to declare, we have online support available to help you 24/7!

It is simple and quick to do! After you've told us about your trip details and answered some medical history questions you can add your pre-existing conditions, one by one, for each traveller. You'll only need to enter your details once, it's all online and there's no need to call, or provide details of your conditions in writing.

Once you've declared all your relevant pre-existing medical conditions, we'll only show you quotes based on the conditions you have told us about.

* Price is based on 1 traveller aged 61, who has declared Multiple Sclerosis and is travelling to France for 7 nights. The price is correct as of April 2024. Prices may vary according to your individual requirements.

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If we're unable to help you find cover for a pre-existing medical condition , the Money Helper Directory has listings of companies that may be able to assist you. Further details can be found on their  website.

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• Resources Living with MS Money Matters

Individual Health Insurance for People With Multiple Sclerosis

How To Enroll | What Does It Cover? | Cost | Help | Support

Multiple sclerosis (MS) can be a challenging disease to navigate. The condition is chronic, progressive, and sometimes unpredictable, and the various medications and treatments to maintain a good quality of life can be costly. Total health care costs can range from $8,500 to upwards of $50,000 annually, according to a study from the Journal of Medical Economics. With such costly treatment, it is important to review your options for health insurance.

Some people with MS go with individual insurance plans , which are for individuals who are:

• Self-employed
• Ineligible for employer-covered health insurance plans
• Ineligible for Medicare (for which you must be at least 65 or disabled) or Medicaid (for which you must have low income)

In the past, individual health insurance plans could charge people with preexisting conditions like MS more for their insurance, or they could deny coverage entirely. However, with the passing of the Affordable Care Act (ACA) , as of January 2014, insurers are not allowed to deny or limit coverage for people with existing conditions like MS.

If you have MS and are not eligible for employer-covered health insurance, Medicare, or Medicaid, then individual health insurance may help you cover the health care costs of your MS. Notably, multiple sclerosis is recognized by the Social Security Administration as a disability that could qualify you for federal benefits like Social Security Disability Income and Supplemental Security Income — though each program has other criteria you must meet.

How Do I Enroll in Individual Health Insurance?

Per the ACA, you may enroll in individual health insurance through the health insurance marketplace at HealthCare.gov . About 15 states have their own state exchanges through which you can apply for individual health insurance. Additionally, you may apply through insurance companies that offer individual health insurance, or you can go through a state-licensed insurance broker or agent.

Enrollment Windows

When considering enrollment in individual health insurance, you must enroll during a specified enrollment window . There are two enrollment windows. One is the Open Enrollment Period , which is usually from Nov. 1 through Dec. 15, with coverage starting Jan. 1. However, because of the current COVID-19 public health emergency, open enrollment for 2021 is available from Feb. 15 and May 15.

Second is the Special Enrollment Period , which spans a window of time (usually 60 days) after you have experienced a major life event, sometimes called a qualifying event. Qualifying life events include:

• Losing a job
• Moving to a new state
• Getting married
• Having a baby

You must re-enroll in your individual health insurance plan every year. If you are currently enrolled in an individual plan, your provider will contact you every fall to re-enroll for the coming year. You have the option to re-enroll or switch plans during the aforementioned open enrollment window.

What Does Individual Health Insurance Cover for MS?

Therapies, treatments, and medications for MS may be covered differently under different individual insurance plans. According to the Affordable Care Act, most individual insurance policies must provide coverage for 10 essential services . The essential health benefits specific to MS include the following:

• Ambulatory patient services (care you get in a medical facility that is not a hospital)
• Emergency services
• Hospitalizations, like surgeries and overnight stays
• Services for mental health and substance use disorders, including counseling and psychotherapy
• Prescription medications
• Rehabilitative and habilitative services and devices, like canes, walkers, and wheelchairs
• Laboratory services, including tests
• Preventive and wellness services and chronic disease management services, like screenings for different diseases and immunization vaccines

Researching Plan Coverage

When considering enrolling in an individual health insurance plan, it’s important that you take the time to research several key details. Look for these items:

• Health and medical services covered — These can include inpatient and outpatient services. You will want to take into account your current and anticipated needs.
• Health care providers included in the plan — Be sure to check that your primary physician and other key members of your health care team are included in the plan.
• Drugs covered — Each plan has something called a formulary, which is a list of prescription drugs the plan will help pay for.

The National Multiple Sclerosis Society offers an application checklist to help you consider an individual health insurance plan.

What’s the Cost of an Individual Insurance Plan?

The cost of individual insurance plans will vary based on the specific plan, as well as your location, coverage requirements, and needs. Individual plan costs are based on an income scale. Each month, you will need to pay a premium for the insurance plan. Monthly premiums and the amount of coverage varies by plan. Plans usually include a range of what are called bronze, silver, gold, and platinum plans, with bronze having the lowest monthly premiums and platinum having the highest.

Other costs to consider when shopping for an individual insurance plan include copays for doctor visits (e.g., an office visit with your primary care physician or neurologist), and deductibles, the minimum cost you must pay before your plan will kick in with its cost-sharing benefits.

If you’re having trouble affording your insurance plan, you may be able to use one of several savings programs. You can find out if you’re eligible for savings by filling out an application at HealthCare.gov . If you have a limited income, you may find that your state’s Medicaid program is a better option, as it could offer coverage at a lower monthly cost.

Additionally, extra coverage may be available if you’ve undergone any recent hardships such as:

• Being homeless
• Facing eviction
• Filing for bankruptcy
• Being a victim of domestic abuse

You can find the application and review your eligibility on the hardship exemptions section of the HealthCare.gov website.

Help With Individual Insurance

If you would like assistance in reviewing your options for an individual health insurance plan, HealthCare.gov offers a toll-free help line at 800-318-2596. You could also learn more about the marketplace at HealthCare.gov or your state exchange's website, or by using this tool to find help from an insurance agent or broker near you.

Talking With Others Who Understand

MyMSTeam is the social network for people with multiple sclerosis and their loved ones. On MyMSTeam, more than 166,000 members come together to ask questions, give advice, and share their stories with others who understand life with multiple sclerosis.

Are you living with MS and using individual insurance? Share your experience in the comments below, or start a conversation by posting on your Activities page.

• The Cost Burden of Multiple Sclerosis in the United States: A Systematic Review of the Literature — Journal of Medical Economics
• Individual Health Insurance — National Multiple Sclerosis Society
• Affordable Care Act Fact Sheet: Help for People With High Medical Expenses — National Multiple Sclerosis Society
• Disability Benefits — U.S. Social Security Administration
• Supplemental Security Income (SSI) Benefits — U.S. Social Security Administration
• Comprehensive Care — National Multiple Sclerosis Society
• The Marketplace in Your State — HealthCare.gov
• Open Enrollment Period — HealthCare.gov
• Special Enrollment Period (SEP) — HealthCare.gov
• Find Out What Marketplace Health Insurance Plans Cover — HealthCare.gov
• Preventive Care Benefits for Adults — HealthCare.gov
• Application Checklist for the Health Insurance Marketplace Online at Healthcare.gov — National Multiple Sclerosis Society
• Saving Money on Health Insurance: Cost-Sharing Reductions — HealthCare.gov
• Hardship Exemptions, Forms, and How To Apply — HealthCare.gov
• Find Local Help — HealthCare.gov

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Travelling with Multiple Sclerosis

Can i still get travel insurance if i have multiple sclerosis.

Yes, here at MIA we can usually offer specialist medical travel insurance cover for those travellers with Multiple Sclerosis (MS) and many other pre-existing conditions.

As with all insurance, the cover provided will depend on factors such as the stability of your condition, the destination that you're travelling to, any treatment that you're undertaking.

There may be some instances when we can't offer travel insurance that's right for you, but we'll be here to discuss your options, if you need us.

What's covered?

MIA is made up of two specialist medical travel insurance products, Clear2Go and Clear4Travel. Each product has its own levels of cover:

• Medical cover up to £5,000,000 per person
• Baggage Cover of up to £1,500 per person
• Cancellation cover of between £1,000 and £2,000

• Cancellation cover of between £2,000 and £5,000
• Hospitalisation cover and personal accident cover - inclusive of death benefit of up to £30,000

Please see our policy wording for a full list of benefits and exclusions.

Our Clear4Travel product has a simple online quote system, meaning you can get covered quickly, however, if your condition is more complex or you have other serious conditions, Clear2Go maybe the product for you. We have a friendly and experienced team waiting to talk you through the quote process, to make sure that you find a travel insurance policy that’s right for you.

Travelling with Multiple Sclerosis – Tips

Especially if you're having regular symptom flare ups or you're undergoing new treatments. Having MS shouldn't stop you from enjoying your holiday, but it you should check that your medical team is happy with your health and destination before you travel.

If you're travelling by air, you should carry your medication in your hand luggage in case of your hold luggage going missing or being damaged. You should also keep all medication in its original packaging. If you are using injectable medication, check with your airline what the procedure is for carrying your sharps and medication on board, well in advance of your flight; it may be that you'll require a letter from your doctor to authorise this. If your medications need to be refrigerated, check if there's the facility for this on your flight and at your accommodation.

Extremes in temperature are known to make MS symptoms worse, so bear this in mind when you're booking your trip. If you're travelling to hot climate, consider taking some cooling clothes and make sure you drink plenty. If you're travelling to a winter destination, pack lots of layers to ensure that you're warm enough throughout your trip. The MS Trust website has further hints and tips on travelling abroad.

Dependant on your condition, and MS type, you may not need to take many special considerations when booking your trip however, if you are not fully mobile, arranging assistance at the Airport or train station could make a huge difference to the start or indeed, the end of your holiday. If you are easily fatigued, think about the placement of your accommodation and ensure that it's accessible for you. Most travel operators will note if there are steep inclines or if areas of the resort are not easily accessible, but if you're not sure check before you book.

Frequently Asked Questions

Yes, we'll need to know your medical history in full, so we can offer a quote that covers your needs; If we don't, you could be left without cover in the event of a claim.

If you declare your full medical history, we should be able to find cover that’s right for you. If there are any exceptions that we can’t insure, we’ll let you know before you accept the travel insurance policy.

If your doctor deems you not fit for travel, we can arrange for you and your travelling party, as long as they're insured on the policy, to be refunded any reasonable costs that you incur.

Should you become seriously unwell, or your condition gets worse while you're away, our medical assistance team will be on hand to guide you through the process of getting you home.

Not usually, but we will ask you to check with your doctor or MS Nurse that they're happy for you to travel. If they are, they should leave a note on your medical record along with details of your trip. We may need to refer back to these should you need to make a claim.

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Information on how to stay safe and healthy abroad. About us.

• General Travel Health Advice

Multiple Sclerosis and Travel

Multiple Sclerosis (MS) is an autoimmune disorder that affects the brain and spinal cord.  The exact cause of MS is unknown but there may be a genetic and environmental element to the development of the illness. At present there is no cure although there are many treatment therapies available to manage the condition. In the UK around 100,000 people are affected.

Prior to travel the following should be considered.

Pre travel Medical Check Up

Travellers should ensure they have had a recent specialist review and have discussed their intention to travel. 

Travelling with Medication

All medication should be requested from the GP well in advance of the trip. 

• Twice as much medication required for the trip should be taken to cover unexpected delays, damages or losses. 
• Medication should be kept in its original packaging and carried in hand luggage to avoid loss or damage in the hold.
• Many medications must be stored within a particular temperature range, this will be detailed in the product information leaflet.
• Gabapentin, used for neuropathic pain, is classed as a Class C controlled drug since April 2019 – see additional advice for travelling with controlled drugs under ‘Home Office Requirements’.
• For those using injectable treatment, a doctors’ letter is necessary for passing through security or customs and can facilitate seeking medical attention abroad.

Travel Health Insurance

MS is considered a pre-existing medical condition and must be declared to the insurer before travel. 

• Purchasing comprehensive travel insurance is strongly recommended to pay for any medical expenses whilst abroad.
• Check the FCDO website  to see if there is any reciprocal health arrangements with the UK and the country you are visiting to cover the costs of emergency medical treatment whilst you are abroad.

Accessing Healthcare Abroad

Find out about the location of local health facilities prior to travel – this information can be found in travel guides and online resources.

Reducing Risk of Travel Related Illness 

Serious infection may impact on the course of MS. The majority of travel-related infections are not vaccine preventable but can be avoided through taking other precautions. 

Gastrointestinal Infections and Travellers Diarrhoea

• Taking food and water precautions will reduce the risk of infections that cause travellers’ diarrhoea .

Respiratory/Airborne Infections

• The risk of respiratory infections can be reduced by practising good respiratory hygiene.
• Most MS patients will have been offered the annual inactivated influenza vaccine under UK immunisation guidelines.

Insect-borne Infections

• Vaccines do not exist against the majority of insect-borne infections. Practical measures should be taken on insect bite avoidance .

Travellers with MS are not at a higher risk of acquiring malaria but severe infections may worsen MS symptoms. 

• Be aware of malaria risk .
• Take good mosquito bite prevention measures.
• Take antimalarial medications when indicated.
• Seek prompt medical attention if you become unwell of develop a fever after being in a malaria area.

Sun Exposure

• Travellers should be advised to take appropriate steps to minimise sun exposure .
• Some immunosupressive medication may make sunburn more likely as a side effect.

Accidents and Injury

• Accidental injury is more common during travel than infectious disease. Accidental injury may be even more likely if symptoms of MS affect mobility.

Vaccination

• MS itself does not result in increased risk of infection, except in advanced disease.
• Having an infection may provoke a relapse of MS, therefore preventing infection through vaccination is protective.
• There is no evidence of an increased risk of side effects from vaccination in those with MS.

Inactivated Vaccines

• Vaccination should be avoided during serious relapse and until 4 to 6 weeks after full recovery.
• Vaccination may be less effective in those on immunosuppressive medication.

Live Vaccines

• Live vaccines (including yellow fever) are contraindicated in travellers with MS taking immunosuppressive medication.

Yellow Fever Vaccine

In travellers with MS, who are not on immunosuppressive medication, the possible risk of relapse versus the actual risk of yellow fever infection during travel must be discussed.

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• Disease Prevention Advice

Coverage that goes where you go: Travel worry-free with Blue Cross Blue Shield

Planning to hit the road this travel season?   You’ve got a lot to do!   You’ll have to book your travel, lodging and activities, pack and be sure your home is looked after while you’re gone.   That’s a lot to think about, and the list goes on. With so much to do, it’s easy to overlook one item that might prove crucial: ensuring that you will be covered if you need medical care while traveling.

Most Blue Cross Blue Shield members can rest easy since Blue Cross Blue Shield coverage opens doors in all 50 states and is accepted by over 90 percent of doctors and specialists.   And if your extended travel plans take you abroad, you can ensure you have access to quality care through GeoBlue .

BCBS Coverage Travels with You

If you aren’t sure what’s covered, it’s a good idea to call your Blue Cross Blue Shield company to find out what your benefits are if something goes awry while on vacation. When traveling within the United States, most Blue Cross Blue Shield members will be covered under the BlueCard program, which connects all 36 individual Blue Cross Blue Shield companies so that members can enjoy access to the savings the local Blue Cross Blue Shield plan has negotiated with its doctors and hospitals.

For example, if a member of Blue Cross Blue Shield of Texas, whose Plan includes the BlueCard program, falls and breaks his arm while hiking in Yellowstone, he will be charged the rate Blue Cross Blue Shield of Wyoming has negotiated with the local hospital rather than paying the steep fees he would otherwise encounter.   Likewise, a BCBS Wyoming member who falls ill in Dallas would be charged the rate BCBS Texas has negotiated with its local providers.   It’s one of the many benefits of belonging to the nation’s oldest and largest health insurance system.

If your plans include international travel, GeoBlue   has an extensive network of options to meet your needs when living or working abroad for an extended period of time.   Though many Blue Cross Blue Shield plans cover international care in emergency situations, GeoBlu e  plans offer the most complete set of benefits and access to services like emergency medical evacuation, which might not be covered by your regular plan.

Insurance Tips for Travelers

Here are a few steps you can take to take charge of your health while traveling:

Traveling Within the United States

• Call your BCBS company to find out what your benefits cover while traveling.
• Always carry your current BCBS ID Card .
• To find nearby doctors and hospitals, call BlueCard Access at 1-800-810-BLUE (2583) or visit the Blue National Doctor & Hospital Provider Finder .
• Call your Blue Plan for precertification or prior authorization if necessary. Refer to the phone number located on your Blue ID card.

Traveling Abroad

• Verify your international benefits with your Blue Plan before leaving the United States, or purchase a GeoBlue  plan.
• Always carry your Blue ID card.
• If you need to locate a doctor or hospital, or need medical assistance services, hotlines are available 24/7. You can reach the BlueCard Worldwide Service Center at 1-800-810-BLUE (2583) or call collect at 1-804-673-1177. If you’re a GeoBlue member, call collect at 1-610-254-8771, or 1-800-257-4823 from inside the U.S.

To learn more, visit BCBS.com or the GeoBlue website.

The Blue Cross Blue Shield Association is an association of 35 independent, locally operated Blue Cross and/or Blue Shield companies.

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Table of Contents

Can travel insurance cover people with cancer?

Who needs a pre-existing medical condition waiver, how to choose among travel insurance companies, companies that offer travel insurance with cancer coverage, other tips for getting insurance for your trip, travel insurance for cancer patients recapped.

Most plans with pre-existing medical condition coverage require purchase within 20 days of an initial trip deposit.

Generally, non-emergency care and/or expected complications as a result of your diagnosis won’t be covered.

Different companies sell plans with different coverage limits. Read the fine print.

Finding the best travel insurance for your trip can be tricky, even more so if you’re planning a trip and have a pre-existing medical condition like cancer, as some plans don’t cover issues that might arise as a result of this diagnosis (or may limit coverage to specific situations).

Fortunately, you can still enjoy the peace of mind that travel insurance offers, even if you have a medical condition.

Here’s what to know about travel insurance for cancer patients, including what it covers, how it works and which insurance companies have suitable plans.

» Learn more: What to know before buying travel insurance

Travel insurance protects against financial losses and other risks from unexpected events that occur when traveling. Policies cover the expenses and inconveniences incurred from delayed flights, canceled reservations, lost or delayed luggage, injuries and even illness.

That said, not every illness is covered, as not every policy offers protection for those with pre-existing medical conditions.

Within the umbrella of coverage for pre-existing medical conditions, cancer patients are wise to scout out policies that cover cancer-related treatment during a trip. In the off chance that you need unexpected care because of your condition — or perhaps you need to cancel your trip or cut it short due to medical reasons — you want to be able to be reimbursed for all the payments you've made so far.

Most of the time, non-emergency care and/or expected complications that are a result of your diagnosis won’t be covered.

Without coverage for pre-existing medical conditions, companies will not likely reimburse you for emergency expenses, medical care, last-minute flights home or any other trip interruptions/cancellations due to your medical status.

Understanding how this sort of coverage works is important because not every traveler qualifies for a pre-existing medical condition waiver when it comes to obtaining travel insurance with cancer.

Requirements vary from one insurance company to another, so always make sure to read the fine print and details of your particular policy before purchasing.

But in general, you’ll likely need to meet at least one of these conditions:

You’ve had to seek medical care and/or received a diagnosis or treatment within a certain number of days before purchasing your policy.

You’re taking doctor-prescribed medication.

You’ve exhibited symptoms.

As far as the policy itself is concerned, a few more limitations may apply to qualify for the waiver, such as:

Your policy must cover the full purchase cost of your trip.

You bought your policy within a certain number of days of making your first paid booking or reservation (the exact number varies from company to company).

You were OK to travel, medically speaking, when you purchased the policy. 

» Learn more : Can I get travel insurance for pre-existing medical conditions?

When it comes time to purchase a travel insurance plan, start by comparing options from multiple companies. If in doubt, reach out to the company’s customer service team for clarification. Each company is different and has different requirements and limitations.

» JUMP to learn more about companies to consider

Once you've generated a quote, peruse individual plans from each company, focusing primarily on the details of pre-existing condition coverage. Also consider other helpful protections like cancellation coverage, trip delay or interruption coverage, lost luggage insurance and more.

When comparing policies, pay attention to coverage amounts to make sure what’s offered is enough to bring you peace of mind.

Make sure to start your search for travel insurance early, ideally within a few days of making your first booking, since pre-existing condition waivers often require early purchase — if you don’t buy a plan within a set amount of time (usually 14-20 days) after your initial trip booking, you may not qualify.

» Learn more: Trip cancellation insurance explained

To compare plans, we searched for coverage for a 45-year-old traveler from New York planning a weeklong trip to Portugal.

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

NerdWallet analysis found Travel Guard by AIG offers top-notch coverage for travelers with pre-existing medical conditions.

Provider overview:

A pet bundle may be available as an upgrade if you’re traveling with a furry companion.

Cancel For Any Reason coverage is offered as an optional add-on, but only for some plans, and it only covers 50 percent of your trip cost (versus the more typical 75%).

» Learn more : AIG Travel Guard insurance review: What to know

Allianz Travel

• Annual or single-trip policies are available.
• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

For pre-existing conditions to be covered with Allianz Travel plans, you’ll have to purchase one within 14 days of your first trip-related payment.

Most plans include pre-existing medical conditions automatically.

Emergency medical transportation is a separate benefit from emergency medical, which may be beneficial if costly air or ground transport is required to get you to a hospital.

Plans include coverage to help cover redeposit fees if you booked travel with points or miles and had to cancel travel for a covered reason. 

Emergency medical coverage is low, comparatively speaking, considering the cost of plans.

» Learn more : Allianz Travel insurance review: Is it worth it?

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

With high coverages for accident and sickness medical expenses in a premium plan, this insurance is a good option for those worried about bills they may rack up if they need to seek medical care abroad. You will need to purchase coverage within 20 days of your first trip booking to qualify for pre-existing condition coverage.

Provider overview :

Offers an annual multi-trip plan that includes coverage for pre-existing conditions after it’s been active for 60 days.

Several other plans offer coverage for pre-existing conditions automatically: Trip Protection Elite, Trip Protection Choice and Trip Protection U.S.A.

Cancel For Any Reason coverage is also available as an add-on with the Trip Protection Elite plan.

More budget-friendly economy plans don’t include pre-existing conditions waivers or CFAR upgrades.

» Learn more : Seven Corners travel insurance review: Is it worth the cost?

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

While Travelex Insurance Plans plans that cover pre-existing conditions may be more expensive than some of the options listed here, plans tend to be comprehensive. Plus there are plenty of add-ons available that may help build the perfect protection for you and your trip. You must purchase your policy within 15 days of your first travel booking and payment (three days for US-based travel).

Children accompanying you on your travels are included in the pricing of the Travel Select plan.

You have the option to double your medical coverage with a Medical Expense Coverage upgrade.

You can upgrade your plan to include an adventure sports package.

Not all policies include coverage for pre-existing conditions.

» Learn more : Travelex travel insurance: What to know

Before you start packing, here are some other tips for procuring travel insurance for those with cancer:

Check to see if you already have a credit card that offers trip insurance . While your pre-existing condition may not be covered via your card, you could potentially pair your card's existing coverage with a more basic/economy third-party plan that includes pre-existing conditions coverage.

Even if you don’t have the whole trip booked and paid for, make sure you purchase coverage in the amount of everything you’ve paid for so far within the purchasing window for pre-existing coverage. If you make more reservations later, you’ll have to update your policy coverage amount at that time, usually within a set amount of days. Read your policy info for time limits.

Choose the best policy for you based on not just the policy cost, but also what you need and what is covered.

If you have cancer, travel insurance can seem complicated. Indeed, it’s important to make sure the coverage you select will take care of you should you need it. As long as you understand the requirements of selecting a plan and what it does and doesn’t cover, you can still find a policy that works for you.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.