Travel insurance if you have cerebral palsy is essential when you travel or take a holiday abroad just in case you fall ill and need medical treatment. The cost of receiving medical treatment away from the UK can be very high. For those with pre-existing medical conditions travel insurance can be expensive unless you shop around (this link might help you find cheap travel insurance for people with cerebral palsy
Travellers with cerebral palsy have in the past paid significantly more for their travel insurance as those with cerebral palsy, like many other sufferers of a pre-existing condition have had their premiums raised. The travel insurance companies consider those that are under the treatment of a doctor, even on a routine basis, may be more likely to claim and hence cause them to have to pay out.
For example, a 54 year old male, travelling to the United States of America for 1 week would pay around £13.42 if they didn’t have cerebral palsy, but for the same person with cerebral palsy, the premium could be £36.41, that’s around 3 times more expensive.
Typically customers with cerebral palsy might also suffer with another condition. In our example the premium would still be £36.41 assuming the applicant was taking 2 additional medications for high blood pressure.
Additional rating factors which effect travel insurance are high blood pressure, high cholesterol and whether you smoke.
Cerebral palsy and travel insurance
Cerebral palsy (CP) is an umbrella term denoting a group of non-progressive, non-contagious motor conditions that cause physical disability in human development, chiefly in the various areas of body movement. Scientific consensus still holds that CP is neither genetic nor a disease, and it is also understood that the vast majority of cases are congenital, coming at or about the time of birth, and/or are diagnosed at a very young age rather than during adolescence or adulthood. It can be defined as a central motor dysfunction affecting muscle tone, posture and movement resulting from a permanent, non-progressive defect or lesion of the immature brain.
All of these factors will be taken into account when you apply for travel insurance with cerebral palsy.
Finally, those that are awaiting a diagnosis or additional tests face the heftiest premiums as what insurers’ hate most of all is uncertainty, especially around the possible risk of falling ill abroad with a condition that isn’t yet well controlled.