5 Reasons You Need Disability Travel Insurance

Traveling with a disability should be enjoyable and stress-free, but it requires extra planning, especially when it comes to unforeseen events. Travel insurance provides travelers the peace of mind they need to embark on their adventures confidently. There are a variety of plans and coverages to choose from, so the best one is the one that fits your specific situation.

In this article, we will provide the top reasons to get insurance when traveling with a disability. At the end, we will give an overview of three different plans to consider and their coverages.

What is Disability Travel Insurance?

Disability travel insurance is not a separate type of insurance. But, it refers to standard travel insurance that includes coverage or accommodations relevant to travelers with disabilities, chronic-illness, or anything related, for unexpected events that can occur during their trips. This includes medical emergencies, trip cancellations, and more.

What Does Travel Insurance Cover?

Travel insurance typically covers things like emergency medical care, medical evacuations, trip cancellations, and interruptions. However, coverages vary depending on the specific plan you choose. More comprehensive plans will offer higher limits and more extensive benefits, while more basic plans might provide essential coverage at a lower cost. We will cover three different plan options at the end of this article.

Do I Need Travel Insurance?

If you’re a traveler with a disability, disability travel insurance can be a valuable safeguard. It ensures you’re covered in case of medical emergencies. As it's always said, no one plans to have an emergency. But, sometimes it happens, and in that case, it can provide peace of mind knowing you won't have to shell out thousands of dollars to take care of it. Another aspect to consider is where you're traveling to. If traveling overseas, travel insurance can become even more valuable.

5 Reasons Why Travelers With Disabilities Should Get Travel Insurance

1. Coverage for Pre-Existing Conditions

Travelers with disabilities or pre-existing conditions often need extra protection for peace of mind. Allianz travel insurance, for example, covers pre-existing conditions if the policy is purchased within 14 days of booking your trip. This ensures that any medical issues related to your condition will be covered, allowing you to travel with confidence.

2. Trip Cancellation and Interruption Protection

Life is unpredictable, and travel plans can change at any moment. Travel insurance provides essential trip cancellation coverage, ensuring that if you need to cancel or cut your trip short due to a covered reason, you can recover your non-refundable expenses. This benefit can save you from significant financial losses in case of emergencies or last-minute changes.

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3. Emergency Medical Coverage Anytime, Anywhere

Medical emergencies can be financially overwhelming when you’re abroad. Travel insurance provides coverage for emergency medical care, including doctor visits, hospital stays, and necessary treatments. With Allianz travel insurance, you’ll have access to a global network of prescreened hospitals and receive medical assistance anytime, anywhere.

4. 24/7 Worldwide Emergency Assistance

Traveling with peace of mind means having support whenever you need it. Allianz travel insurance offers 24/7 emergency assistance, connecting you with medical professionals and resources to help you navigate any challenges during your trip. Whether it’s finding a hospital, arranging medical transportation, or offering language assistance, help is just a phone call away.

5. Access to a Network of Prescreened Hospitals Globally

Travel insurance offers peace of mind by providing access to a network of prescreened hospitals around the world. With this coverage, you can feel confident that you’ll receive proper medical care in case of an emergency. Allianz travel insurance connects you to reputable hospitals, ensuring that you get the assistance you need, wherever you are.

Overview of Travel Insurance Plans You Can Add to Your Trips

Here are three comprehensive travel insurance plans to consider, each tailored to meet different needs and budgets. These are through Allianz, which can be added on to your trips booked through Wheel the World.

Premier Plan

• Trip Cancellation: Up to 100% of the insured trip cost.

• Trip Interruption: Up to 150% of the insured trip cost.

• Emergency Medical Coverage: $100,000.

• Emergency Transportation: $1,000,000.

• Travel Delay: $1,600 ($200 per person, per day).

• 24/7 Worldwide Assistance and access to prescreened hospitals globally.

Classic Plan

• Trip Cancellation: Up to 100% of the insured trip cost.

• Trip Interruption: Up to 150% of the insured trip cost.

• Emergency Medical Coverage: $50,000.

• Emergency Transportation: $500,000.

• Travel Delay: $800 ($200 per person, per day).

• 24/7 Worldwide Assistance with access to prescreened hospitals.

Basic Plan

• Trip Cancellation: Up to $10,000.

• Trip Interruption: Up to $10,000.

• Emergency Medical Coverage: $10,000.

• Emergency Transportation: $50,000.

• Travel Delay: $300 ($150 per person, per day).

Final Thoughts

Travel insurance provides peace of mind for anyone traveling. The thing about emergencies is that they aren't planned, so it's better to have a plan in place in case it does happen.

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