Disabled Travel Insurance
- Medical Expenses up to £10million
- 24/7 Medical Emergency Helpline
- Loss of Medication up to £500
- Personal Possessions up to £3,000
- Medical Aids up to £2,000
- Cover for cancellation up to £5,000
- Reduced premiums for people without medical conditions on the same policy
Disabled Travel Insurance for Mobility Scooter and Wheelchair Users
Having a disability shouldn’t stop you from enjoying yourself and seeing the World, but it might mean that you need specialist Disabled Travel Insurance to cover you when you are abroad – that’s where Blue Badge Mobility Insurance comes in.
We have teamed up with Free Spirit to offer you a travel insurance policy that covers all of your medical conditions. After all, if the unexpected should happen, and you have a medical emergency while abroad, you will want to know that you have the peace of mind that your insurance policy will give you all the protection you need.
What pre-existing conditions do you cover?
We do our best to offer travel insurance for almost any pre-existing condition or disability. Some of the most common medical conditions we cover include:
- High blood pressure
- Asthma
- Type 2 diabetes
- Heart attack
- Atrial fibrillation
- Breast cancer
- Chronic obstructive pulmonary disease (COPD)
- Kidney conditions
- Arthritis
We also cover other medical categories, which you can view here or contact us if needed.
For our travel scheme we have teamed up with Free Spirit to provide specialist Disabled travel insurance policies which offer travel insurance services that cover all ages and a range of medical conditions.
Alternatively, you can call Free Spirit on 02392 419 052 quoting BLU2100
Disabled Travel Insurance for Mobility Scooter and Wheelchair Users
Our disabled travel insurance policies for Mobility Scooter and Wheelchair users offer a wide range of benefits to give you peace of mind when you are on your trip away. For added peace of mind, with your Disabled Travel Insurance policy, you have access to a 24/7 helpline. So, if the worst were to happen whilst you are on your trip, you can relax knowing a member of our helpful team is available to help any time of the day.
Get in touch for your free quote today to ensure complete protection on your next trip.
Your Travel Insurance Checklist
Step 1
Contact your airline at least 48 hours before flying to confirm any special assistance requests and wheelchair dimensions.
Even if you have specified these things when booking, it's important o double check and confirm!
Step 2
Take clear, date-stamped photos of your wheelchair or any mobility aids you may have, from all angles.
If they then unfortunately get damaged in transit, these photos will be crucial evidence for both the airline and your newly purchased insurance policy, as airports are known for not accepting liability.
Step 3
Print your travel insurance policy number, their 24/7 emergency hotline, and a laminated list of your medications and emergency contacts.
Most modern travel insurance documents can be accessed via your mobile, however it's good to have physical backups, just in case.
Choose between levels and trip duration
Single Trip Cover Travel
Insurance
Covers one single holiday or pleasure trip up to 94 days in duration (reduced to 45 days if you are aged 76 years or over)
Annual Cover Travel
Insurance
Cover including multiple trips during a 12 month period up to a maximum of 31 days (Super cover) or 45 days (Super Duper cover) for any one trip.
Two levels of Disabled Travel
Insurance cover available
Choose between £5million (Super cover) or £10million (Super Duper cover) for Emergency Medical expenses, how long you are away for and a choice of premiums.
Compare our insurance policies
We offer a range of policies to suit all budgets and all levels of cover needed. Browse our policy options below and choose which one is best for you.
| Section / Feature | Standard | Super | Super Duper |
| Policy Excess (per claim/person) | £150 | £95 | £0 (Nil excess)* |
| Medical Expenses | Up to £5,000,000 | Up to £7,500,000 | Up to £10,000,000 |
| Mobility Equipment & Medical Aids | Up to £500 | Up to £1,000 | Up to £2,000 |
| Prescribed Medication | Up to £125 | Up to £250 | Up to £500 |
| Cancellation & Curtailment | Up to £1,000 | Up to £3,000 | Up to £6,000 |
| Personal Possessions / Baggage | Up to £1,000 | Up to £2,000 | Up to £3,000 |
| Personal Money & Passport | Up to £500 | Up to £1,000 | Up to £1,500 |
| Gadget Cover (Laptops, phones, etc.) | ❌ No Cover | Up to £1,000 | Up to £1,500 |
| Journey Disruption / Delay | ❌ No Cover | Up to £1,000 | Up to £2,000 |
| Personal Liability | £2,000,000 | £2,000,000 | £2,000,000 |
Got a Question?
If you have any questions or need a hand with your policy, get in touch with our helpful team today, we would be happy to help!
Frequently Asked Questions (FAQs)
Yes. You must declare any disability or pre-existing condition when purchasing travel insurance.
All insurers require a process called medical screening, where you answer questions about your medications, recent hospital visits, daily assistance needs and anything else surrounding your health. Failure to declare your disability (or any associated health conditions) will likely invalidate your policy. If you need emergency medical care or cancellation cover linked to an undeclared condition, the insurer will reject the claim, leaving you personally liable for all costs.
Standard travel insurance policies usually place strict caps on baggage claims (often £200–£500 per single item), which is far below the cost of replacing or repairing specialised mobility equipment. However, Free Spirit Insurance offer a range of policies that extend this limit, so you can have peace of mind when transporting your equipment:
| Policy Level | Limit per Person | Excess Payable |
| Standard | Up to £500 | £150 per claim |
| Super | Up to £1,000 | £95 per claim |
| Super Duper | Up to £2,000 | £0 (Nil excess)* |
*Please note that if an airline damages your mobility equipment, you must file your claim at the airport before leaving. Airlines frequently reject liability for damages reported after you have exited the terminal.*
Yes, but only if they are insured on the same policy or a linked companion policy.
For more information surrounding our policies in regards to carers, please contact us.
No, a GHIC does not replace private travel insurance.
While a GHIC (previously EHIC) gives UK residents access to state-provided emergency medical care in EU countries on the same terms as local citizens, it has major limitations:
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It does not cover private clinic treatment or specialised accessible medical transport.
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It does not cover emergency air repatriation back to the UK (which can easily cost £10,000 to £70,000+).
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It provides zero protection for lost mobility aids, stolen prescribed medications, or holiday cancellations due to health flare-ups.