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Disability Travel Insurance for Medical Conditions: What to Know Before You Book
Written by
Fish Insurance
Published on
February 19, 2026
Written by Fish Insurance, UK specialist disability insurance provider.
Last reviewed: February 2026 by the Fish Insurance Specialist Team
Editorial note: This article has been reviewed by the Purpl editorial team for clarity and accessibility. The insurance content and policy details are provided by Fish Insurance.
Travelling with a disability or pre existing medical condition often requires more preparation — especially when arranging suitable travel insurance.
Fish Insurance has specialised in insurance for people with disabilities and long-term medical conditions for over 50 years. In this guide, we explain what to look for in disability travel insurance, how specialist policies work, and how Fish Insurance supports people with medical conditions and mobility needs through AllClear Travel Insurance, with no upper age limit.
If you are searching for the best travel insurance for pre existing conditions in the UK, understanding how specialist cover differs from standard policies is an important first step.
In this guide
- Why specialist disability travel insurance matters
- What makes AllClear different
- What‘s included in the cover
- Types of travel insurance available
- Why choose Fish Insurance
- Your exclusive Purpl member discount
- Frequently asked questions (FAQs)
Why specialist disability travel insurance matters
Standard travel insurance policies are not always built with complex medical histories, mobility equipment or ongoing treatment in mind.
If you live with a disability or long-term health condition, choosing specialist disability travel insurance can help protect you against:
- High overseas medical costs
- Cancellations linked to your condition
- Emergency repatriation
- Damage to essential mobility aids
- Unexpected travel disruption
Specialist providers assess declared medical conditions individually rather than applying blanket exclusions. This can make a significant difference when arranging cover.
What makes AllClear different
AllClear Travel Insurance focuses on meeting the needs of people with pre existing medical conditions and additional support requirements.
Key features include:
- Cover for over 1,300 medical conditions as standard
- No upper age limit
- Cover for owned or hired mobility aids and medical equipment
- Access to a 24/7 medical assistance helpline
- Flexible policy options depending on how and where you travel
For many travellers, this specialist structure gives reassurance because insurers assess their health circumstances properly.
What’s included in the cover
AllClear Travel Insurance offers a wide range of benefits, which can include:
- Up to £15 million in medical emergency expenses
- Emergency medical repatriation
- Protection for cancellations, delays and missed departures
- Cover for baggage and personal belongings
- Personal liability protection
- 24/7 medical assistance support
Cover limits and exclusions apply.
Policy wording should always be reviewed carefully to ensure the cover meets your individual needs.
Types of travel insurance available
Depending on your travel plans, there are several policy options:
- Single Trip Cover – Suitable for one-off holidays or short breaks
- Annual Multi-Trip Cover – Designed for those who travel regularly
- Cruise Cover – Tailored for cruise passengers
- Worldwide Cover – For long-haul or multi-destination travel
This flexibility allows travellers to choose insurance that reflects how they travel.
Why choose Fish Insurance
Fish Insurance has focused on disability-related insurance for more than five decades.
When arranging cover introduced by Fish Insurance, you benefit from:
- Over 50 years of specialist insurance experience
- FCA-regulated oversight
- UK-based, specially trained support teams
- Clear, accessible information
- A reputation built on trust and long-term customer relationships
In addition to travel insurance, Fish Insurance also provides cover for mobility scooters, wheelchairs and lifestyle products – supporting independence both at home and abroad.
Your exclusive Purpl member discount
Purpl members receive a 10% discount on AllClear Travel Insurance introduced by Fish Insurance.
Please note: The 10% discount does not apply to any premium paid for medical conditions.
For full terms and conditions, please review the policy documentation.
To speak directly with the Fish Insurance team:
Email: [email protected]
Telephone: 0333 331 3770
Frequently asked questions (FAQs)
What is disability travel insurance?
Disability travel insurance gives people with disabilities and long-term medical conditions access to specialist cover. Insurers assess declared conditions individually instead of excluding them automatically.
Can I get travel insurance if I have a pre existing medical condition?
Yes. Specialist providers such as AllClear offer cover for over 1,300 medical conditions as standard. All medical information must be declared during the application process.
What is the best travel insurance for pre existing conditions in the UK?
The best policy depends on your individual medical history, destination and travel plans. AllClear specialises in providing travel insurance for people with medical conditions and offers cover with no upper age limit.
Is there an upper age limit?
AllClear Travel Insurance has no upper age limit.
Are mobility aids covered?
Cover can include owned or hired mobility aids and medical equipment. Policy limits and exclusions apply and should be checked carefully.
Does the Purpl 10% discount apply to medical premiums?
No. The discount does not apply to any premium paid for medical conditions.
About the author
Fish Insurance is a trading style of Fish Administration Ltd. Fish Administration Ltd is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 310172).
Fish Administration Ltd is registered in England & Wales. Company Registration Number 4214119. Registered Office: Rossington’s Business Park, West Carr Road, Retford, Nottinghamshire, DN22 7SW. FP26029.
Fish Insurance has specialised in disability and medical condition insurance for over 50 years, supporting customers across the UK.
Other articles, or links, you might find useful:
How to Travel Abroad If You’re Disabled: A Purpl Guide to Stress-Free Adventures
Going Abroad On PIP: The 4-Week Rule That Could Pause Your Payments
How to Get 25% Off Disneyland Paris Tickets as a Disabled Guest
Airport Parking for Blue Badge Holders – A Guide to Holiday Parking for Disabled People
