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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

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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.

What is MS?

Multiple sclerosis (MS) is a condition of the central nervous system. When the coatings around the nerve fibres (called myelin) become damaged, the messages that should travel quickly and smoothly between the brain and the rest of the body become distorted and slow down.

When suffering from MS, the immune system normally helps to fight off infections, however it mistakes myelin for a foreign body and attacks it. This damages the myelin and strips it off the nerve fibres, either partially or completely, leaving scars known as lesions or plaques. There can also sometimes be damage to the actual nerve fibres and it is this nerve damage that causes the accumulation of disability that can occur over time.

It is estimated that around 100,000 people in the UK have MS, it is generally diagnosed in people between the ages of 20 and 40, and affects almost three times as many women as men. Once diagnosed, MS stays with you for life but the symptoms can be managed with help from a specialist.

Travel insurance Multiple Sclerosis – Cover and benefits

It is important to ensure you have specialist pre-existing medical condition travel insurance to ensure you have 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 are on hand to help you. Call us on 0800 170 7704; we’re open Monday to Friday 8am-6pm, closed Bank Holidays.

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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 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 or click here.

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).




  • Testimonials

    Last year my travel insurance went up by one-third just because I was 70 and when I asked my previous Insurer why, I was told I was more likely to hav…
    A. PirieWest Lothian
    To read reviews click here

  • Ask Mary

    Free Spirit Manager, Mary Holt is a recognised expert in medical screening and in underwriting travel insurance for people with medical conditions. You can read Mary's Q&As or ask Mary a question directly. Read Q&As Ask Mary

Last updated: 15th June 2016.