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Travel Insurance

Comprehensive travel insurance – for peace of mind

We have created a specialist travel insurance policy that specifically caters for people living with multiple sclerosis and any other medical conditions, and their families and friends travelling with them and for supporters of the Multiple Sclerosis Society.

Some of the benefits include:

• We consider all medical conditions
• There is no separate referral for medical screening which allows for quote to purchase in 1 call
• Our questions are designed to assess your individual condition
• The documentation confirms all information declared
• Worldwide cover is available
• No upper age limit on our Single Trip policies
• Annual Multi trip policies available up to age 70 for Europe and Worldwide excluding USA, Canada and the Caribbean, and up to age 65 for Worldwide including USA, Canada and the Caribbean
• Single trip policies available up to 365 days (May be restricted to 92 days depending on Age, Destination and Health)
• Annual Multi trip policies cover trips up to 45 days
• Waiting list cover available
• Policy excess only £50
Our policy wording provides all the cover you would expect from a standard travel policy, but also includes cover tailored for people living with pre-existing medical conditions or disability, this includes but is not limited to:
• Cancellation Cover up to £5,000
- This includes cover in respect of your redundancy or the redundancy of any person you are intending to travel with
• £1,000 for the costs of extra accommodation and transport to replace your original carer should they have to cancel or curtail their journey with you, provided they were insured on this policy and are able to claim under the cancellation or curtailment section
• Medical Expenses cover, which includes cover for loss of medication up to £300
• Personal Baggage cover up to £2,500, which includes cover for mobility aids (wheelchair, motorised wheelchair, walking frame/sticks and crutches)
• Home Help or Nanny – cover up to £300 for the cost of additional home help or a registered nanny after being repatriated during your journey.
For full policy details and Terms and Conditions please refer to the policy wording. You can view the Policy Booklet document online. (External) Please select this link

Handy travel hints - dos & don't forgets

Contact us for a quotation today

(External) Buy online or call on 0800 783 3157 quoting website

In addition, when you buy your cover online you will receive a 5% discount off your premium.

Alternatively email us your contact details and a time to call at mssociety@heathlambert.com and we will contact you.

Our specialist representatives are available Monday to Friday 8.30am to 6pm and Saturdays 9am to 1pm.

Supporting the MS Society

For every policy sold The Multiple Sclerosis Society Insurance Services will make a donation to the MS Society at no additional cost to you.

The dangers of travelling without the proper cover

Most standard travel policies will have a pre-existing medical conditions exclusion. If you travel with a medical condition and then had to make a claim then any medical costs relating directly or indirectly to that medical condition would be excluded. This means that treatment for your condition is excluded and also the increase costs if treatment is affected by your condition are excluded. You are then personally responsible for these additional costs.

In addition, the pre-existing medical condition exclusion usually applies to the policy as a whole, regardless of whether the person living with the condition is named on it or not. This means that any claim related directly or indirectly to a pre-existing medical condition, even for someone not on the policy, may be refused. For example in the event of cancellation or curtailment of the holiday due to the pre-existing medical condition of somebody travelling, no member of the travelling party may be covered to claim for the holiday, or the portion of it that was lost.
This is why The Multiple Sclerosis Society Insurance Services suggests that all members of the travelling party are insured on a travel policy covering pre-existing medical conditions.

The European Health Insurance Card (EHIC)

If you use the European Health Insurance Card (EHIC) to reduce the cost of any medical treatment, then the £50 excess for each and every claim for Medical and Emergency Expenses will not apply.

Please note that the EHIC is not a replacement for travel insurance. The EHIC allows you to access state-provided healthcare in all European Economic Area (EEA) countries and Switzerland. There are conditions and restrictions as to what is covered and the EHIC does not provide any cover for repatriation.
Full details of the cover provided by the EHIC can be found on the EHIC website ( (External) www.ehic.org.uk ). This also provides a link giving you details of the conditions and restrictions in each country.

The Multiple Sclerosis Society Insurance Services is a trading name of Heath Lambert Limited which is authorised and regulated by the Financial Services Authority. Registered office: 133 Houndsditch, London, EC3A 7AH. Registered No. 1199129, England and Wales.

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Page last updated on 2 Jun 09 by Matteo Rizzi. Page next due for review on 1 Sep 09
© 2009 Multiple Sclerosis Society
The Multiple Sclerosis Society of Great Britain and Northern Ireland is a charity registered in England and Wales (207495) and Scotland (SCO16433)

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