Folgate Insurance and specialist intermediary J&M Insurance Services have combined to provide a travel insurance package, targeted at disabled people.
Travelability has been designed to meet the special needs of the UK’s 6.2 million registered disabled persons and their families.
Jeffrey Harris, director of J&M Insurance Services, said that all too often disabled people were put off from travelling abroad or even within the UK due to exorbitant premiums. “Travel insurance packages for disabled people are sometimes four times more expensive than that offered for the able-bodied.”
This inability to obtain cost effective travel insurance is one of the main reasons cited by the disabled for them not travelling as frequently as their European counterparts. Only 22% of the UK disabled travel abroad compared to 43% of Belgians, 38% of Germans, 54% within Luxembourg and 39% within Sweden.
The policy encompasses such benefits as:
• Replacement carer or repatriation of insured person and their carer (on average there are six accompanying companions/carers to every 10 disabled tourists).
• No doctors certificate required (on average such a document costs £35).
• Essential medication or transportation of replacement supplies outside the UK.
• No age limit (of the six million UK disabled, 60% are over 60).
• Registered carer goes free (if groups of six or more persons are travelling together).
• Medication, mobility and disability equipment covered.
• £5 million medical expenses.
Both companies are keen to stress there is no discrimination in terms of cost or age limit within the package. Aaron Payne, marketing manager of Folgate Insurance, commented: “The disabled traveller has been penalised through the travel and insurance industry’s lack of understanding of their needs, however they are more aware than anyone, consequently they are often more cautious and careful than the able bodied traveller.