Traveling With A Disability

Having a disability doesn’t have to be the end of the world when it comes to your travelling adventures. Sure, it might take a bit more planning than usual, but armed with the right knowledge and resources, you too can enjoy carefree travel, knowing that you and your belongings will be fully taken care of. Read on to find out how to plan a stress-free holiday and find out how disability travel insurance works so that you can choose the right policy.

Travel Destinations for Travellers with Mobility Issues
Thanks to recent regulations, accessible tourism is becoming very fast an essential requisite for many holiday attractions as well as transport and accommodation providers. This has truly opened up the available options for travellers with mobility issues, giving them a wide range of destinations to choose from, such as:

Cruise Ships

Many of the recently manufactured cruise ships are designed to offer accessibility to all types of travellers. Cabins, access points and pathways have all been adapted to cater for travellers with mobility problems.

African Safari

Imagine having a first encounter experience with Africa’s famous Big Five while enjoying those incomparable African sunsets that everyone always talks about. Well, with GoAfrica Safaris you can tick this once in a lifetime experience off your bucket list with the help of their specialized Safari trips, which are available in countries like Kenya and Tanzania. These trips are designed to cater for people with limited mobility, complete with advice on which resorts or camping tents to stay in, as well as convenient transport options for you to choose from.

Caribbean

Are rum punch cocktails and the calm sound of warm Caribbean ocean waters calling your name? Well, thanks to Virgin Holidays you too can experience the best of what the Caribbean has to offer. Their services include a wide range of accessible accommodation, most of which feature complimentary use of specialized beach wheelchairs available at certain hotels in exotic locations such as Barbados, Antigua, and Saint Lucia.

Uluru

Experience the magic of the red center for yourself, courtesy of Ayers Rock Resort, which features wheelchair-adapted hotels, restaurants, shops and base walking tracks.

Bali

Bali’s eclectic culture is known for its exotic cuisine, gorgeous beaches, friendly locals and exquisite architecture. All of that and more have been made accessible to travellers with limited mobility, thanks to Villa G at Ellora. Villa G has 11 villas with no steps in order to cater for travellers with limited mobility. They’ll also help you organize relevant activities like an accessible Safari in nearby East Java or snorkelling and diving excursions designed for adventurers with disabilities.

London

Touchdown in London to experience the latest in modern culture, thanks to the accessible attractions which can be found all over the city, including the Tower of London, the Tate Modern as well as the science museum and the London Eye, to name but a few.

Disney

Disney is one of the world’s most accessible tourist spots, so go ahead and rub shoulders with your childhood heroes the next time you’re in Paris!

Hawaii

Experience this enchanting island with ease, thanks to Access Aloha Travel. Putting together unforgettable experiences for travellers with disabilities is their specialty. They work with various accommodation and transport companies, as well as non-profits like Access Surf and Hanauma Bay Honolulu, to make your stay super enjoyable.

Travel Insurance and Disabilities 101

Generally speaking, it’s not considered a necessity to disclose your disability to your travel insurer. However, it’s important to realize that not all disabilities are the same, which is why it is sometimes considered a good idea to inform your insurer about your disability.

Are Disabilities Considered As Pre-Existing Medical Conditions?

According to travel insurance providers, a pre-existing medical condition refers to any ailment or injury that you have had symptoms of and you still receive treatment for. Therefore, if the medical insurance cover that you seek is based on an assumption that you might experience unforeseen illness or injury due to your disability, then you should inform your insurer about that possibility beforehand, which automatically means disclosing your disability.
Generally, insurers recognize disabilities in terms of the following three categories:

Conditions that qualify for automatic cover at no extra cost

These include congenital disabilities such as hearing or vision impairments, as well as muscular dystrophy or cerebral palsy, and minor pre-existing conditions like asthma, diabetes, hypertension epilepsy etc. These are not usually classified as pre-existing medical conditions, and are thus covered automatically by your policy with no prior medical assessment, granted that you’ve not received treatment for it in the last 12 months and there’s no planned surgery.

Conditions that need to be disclosed

There are certain conditions which need to be disclosed to your insurer so that you can pay the extra cost of including them in your cover. These include conditions like lung disease, coronary heart problems, epilepsy, stroke and any other illness for which you’ve undergone surgery in the past 12 months.

Excluded conditions

Travel insurers refuse to cover certain conditions like terminal illnesses, organ transplants, psychiatric disorders or any disease that decreases your life expectancy.
Keep in mind that most insurers are open to considering each case on its merits, and some will make an allowance and cover a disease if you’re able to prove that it’s manageable. Plus, cover for mental or psychic illness may be granted on condition that you take a medical assessment and are willing to pay extra on your premium for them.

What Medical Equipment Does the Travel Insurance Cover

Usually, disability travel insurance covers medical equipment which includes things like wheelchairs, breathing equipment, hearing aids or any other medical equipment that you need to travel with. However, you must make sure to disclose this to your insurer so that you can have it covered in your policy.

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