With MS you really should take travel insurance out when you go on holiday or travel abroad just in case you fall ill and need medical treatment as the NHS will not provide treatment whilst you are on holiday. The cost of receiving medical treatment outside the UK can be very expensive and the travel insurance will repay most of these costs provided you took it out before you left for your holiday.
In addition if you need assistance to get home, like an ambulance or medical staff to accompany you, then the travel insurance will pay for the costs associated with repatriation too.
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 MS
Travellers with MS have in the past paid significantly more for their travel insurance as those with MS, 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.
Additional rating factors which effect travel insurance are connected conditions and whether this condition has caused you to cut short or cancel a holiday in the past.
MS and travel insurance
Multiple sclerosis (MS) is a condition of the central nervous system. In MS, the coating around nerve fibres (called myelin) is damaged, causing a range of symptoms.
Around 100,000 people in the UK have MS. It's normally diagnosed in people between the ages of 20 and 40, and affects roughly three times as many women as men. Once diagnosed, MS stays with you for life, but treatments and specialists can help you to manage the condition and its symptoms.
Physical symptoms of MS might commonly include vision problems, balance problems and dizziness, fatigue, bladder problems and stiffness and/or spasms. Other symptoms might include problems with:
All of these factors will be taken into account when you apply for travel insurance with MS.
In addition, those that are waiting for a diagnosis or additional tests face the highest 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.