Travel insurance for dementia, Parkinson’s, MS and other neurological conditions

Having a neurological condition doesn’t have to stop you, or a loved one, from travelling. Here’s what you need to know about getting the right cover.

Last updated: 22/6/2026

Travel Insurance for Neurological conditions

Whether you’re arranging cover for yourself or on behalf of a family member, understanding how neurological conditions affect travel insurance is an important first step. At Post Office, we consider a wide range of pre-existing medical conditions, including dementia, Alzheimer’s, Parkinson’s, MS, motor neurone disease, Huntington’s disease, Batten disease, spinocerebellar ataxia and spinal muscular atrophy. Eligibility isn’t based on any single diagnosis. It depends on your overall health picture, which is why the right first step is always to get a quote and go through our screening process.

Can I get travel insurance with a neurological condition?

Yes, having a neurological condition doesn’t disqualify you from a policy with Post Office Travel Insurance. We assess applications individually, looking at a number of factors rather than any single diagnosis.
If we’re unable to offer cover, we’ll refer you to a provider which specialises in cover for long-term health conditions.

Find out how much travel insurance would cost for your trip

Arranging travel insurance on behalf of someone else

If you’re a family member or carer organising a trip for someone with a neurological condition, you can take out a Post Office travel insurance policy on their behalf. You’ll need accurate, up-to-date information about their diagnosis, current medications and any recent changes to their condition to complete the medical screening. The policy must reflect the person travelling, so all health information needs to relate to them specifically.

However, you don’t have to have two separate policies. You can add a loved one to your policy or even organise a policy as a group, regardless of the medical conditions any of the travellers have.

What you’ll need to declare during medical screening

Medical screening is completed online as part of the quote process. For neurological conditions, you’ll typically be asked about the following:

  • The diagnosis and when it was made
  • The current stage or type of the condition
  • Details on certain symptoms or how they present  
  • Any cognitive or mobility difficulties
  • Medications and equipment you rely on

If your condition is currently undiagnosed, under investigation, awaiting any treatment or you’ve been advised not to travel by a doctor, we will not be able to offer cover at this stage.

Why honest disclosure matters

Answering all screening questions fully and accurately is essential. If a condition isn’t declared and it later becomes relevant to a claim, your claim is likely to be rejected. This applies to related conditions too, for example high blood pressure or diabetes, which are sometimes present alongside neurological conditions and should also be declared.

How neurological conditions affect travel insurance costs

A neurological condition may increase your premium, as it can affect the likelihood of needing medical assistance abroad. The size of that impact depends on the specific condition, how far it has progressed, whether symptoms are stable and other factors such as your age, destination and trip length. There’s no fixed answer. The quote process will give you a personalised price based on your circumstances.

What travel insurance covers for neurological conditions

If you’ve declared your condition accurately and been accepted for cover, your policy will include:

  • Emergency medical treatment and repatriation: Cover for unexpected medical costs if your condition causes an emergency abroad, including hospitalisation and transport back to the UK if medically necessary. Post Office policies include up to £5 million on Economy, £10 million on Standard and £15 million on Premier
  • Medical Assistance Plus1: Included with all policies, giving you 24/7 access to an English-speaking doctor via your phone on international trips
  • Trip cancellation and curtailment: If your condition deteriorates or you experience medical complications and your doctor advises against a planned trip, you can make a claim for your travel, accommodation and activity costs. Limits are provided in your policy
  • Personal item cover: Cover for loss, theft or damage to your belongings, up to the limits in your policy. This includes items such as luggage, passport and travel money

What isn’t covered

  • Any condition that wasn’t declared accurately at the time of taking out the policy
  • Travelling against the advice of a doctor
  • A condition or symptom that is known but undiagnosed or under investigation at the time of purchase
  • Any trip if you are on a waiting list for treatment or surgery
  • Incidents that occur under the influence of drugs or alcohol
  • Flights or connections missed due to personal error
  • Any incident which ignores local laws or official travel advice

For more information you can check the full policy wording.

Travel insurance for MS

Having MS doesn’t prevent you from getting travel insurance with Post Office. As with other neurological conditions, we’ll ask about the type of your MS along with information about your use of mobility aids and any relapses.

What to do if you have a relapse abroad

If you experience a relapse while you’re abroad, seek medical attention promptly and then call the 24/7 Post Office emergency assistance line on +44 (0) 208 865 3074* as soon as possible. If your MS was declared and accepted when you took out the policy, emergency medical costs related to the relapse will be covered up to the limits in your policy. It’s a good idea to travel with a copy of your current treatment plan and your neurologist’s contact details.

Can a carer be added to the same policy?

Yes. If a carer or family member is travelling with you, they can be included on the same Post Office travel insurance policy. Each person added will need to complete their own medical screening for any pre-existing conditions. If you’re arranging a trip that involves a professional carer, it’s worth checking whether their employer has separate insurance arrangements in place.

Why choose Post Office travel insurance?

Post Office Travel Insurance considers a wide range of pre-existing conditions and assesses each application individually. Here are a few things worth knowing:

  • Award-winning provider2 with a 5-star Defaqto rating for Premier cover
  • Medical Assistance Plus1 included with all policies, giving you 24/7 access to an English-speaking doctor via your phone on international trips
  • Up to £15 million in emergency medical cover, depending on your level of cover
  • Over £79 million paid out in claims over the past 5 years
  • UK-based call centres

Get insured for your trip today

Key takeaways

  • Having a neurological condition doesn’t automatically disqualify you from getting travel insurance with Post Office. Eligibility depends on your overall health picture
  • Family members and carers can arrange travel insurance on behalf of someone else, and can be included on the same policy if travelling together
  • Always declare your full medical history accurately, including related conditions. Undisclosed conditions can invalidate a claim
  • If Post Office can’t cover you, we’ll refer you to a specialist provider who may be able to help

Common questions about travel insurance and neurological conditions

  • Yes, it’s possible. We consider applications from people with dementia and Alzheimer’s on an individual basis. Eligibility depends on the overall health picture, including the stage of the condition and how it’s currently being managed. Getting a quote is the quickest way to find out where you stand.

  • Yes. All pre-existing conditions, including dementia and any associated conditions, must be declared when you take out a policy. Failing to do so could mean a claim is rejected. This applies to related conditions too, such as high blood pressure or diabetes, which are sometimes present alongside dementia.

  • Yes. MS is a condition we consider. The level of assistance you require, your use of mobility aids and any recent relapses will all be asked about during the screening process. Getting a quote is the quickest way to find out what cover is available to you.

Footnotes

1 Medical Assistance Plus is not available for trips taken in the UK, only for international travel. The service allows up to 3 separate medical events per person listed on the policy, and up to 3 appointments per event. All appointment charges are covered by your travel insurance policy. You will not need to pay any excess fees for this service. You may need to pay for your prescription upfront and claim on your return home.

2 Post Office has won the following awards:

Post Office won a “Best Travel Insurance Provider” award at the Your Money Awards in 2023, 2025 and 2026

Post Office won a ‘Best Travel Insurance Provider’ award at the MoneyFacts Awards in 2025

* Calls may be monitored or recorded for training and compliance purposes.