Travelling with an autistic child or being an autistic traveller yourself can be an enriching and rewarding experience, but it also comes with unique considerations. One critical aspect of travel planning is ensuring you have the right travel insurance. Travel insurance for people with autism isn’t hard to obtain, and finding the right company can help keep the costs reasonable. Here’s everything you need to know about securing travel insurance for autism and why it’s an essential part of your travel preparations.
We use affiliate links in our posts and if you click on them, we will earn a small commission if you book or buy something.
If you wish to skip the article and jump directly to my personal travel insurance recommendation for those travelling with an autistic child, here is the link: Explorer Travel Insurance.
Why Travel Insurance is Important for Autism Travel
Travel insurance is a safety net that covers various unexpected events that can occur during your trip, such as medical emergencies, trip cancellations, lost luggage, and more. For people with autism, this safety net becomes even more crucial. Autism-related medical needs, behavioural challenges, and sensory sensitivities can require special attention and potential medical intervention while traveling. Having travel insurance ensures that you are financially protected against such unforeseen circumstances, providing peace of mind for you and your family.
It’s Not Hard to Get Travel Insurance for Autism
One common misconception is that obtaining travel insurance for people with autism is a complicated process. In reality, many insurance companies are well-versed in providing coverage for individuals with pre-existing conditions, including autism. The key is to be upfront about the condition and any related medical needs when applying for insurance. By doing so, you ensure that your policy accurately reflects your needs and provides the appropriate level of coverage.
Insurance companies are kept well-educated about autism and the differing features that may present with it. Having autism declared on your travel policy does not automatically disqualify you or add unreasonable fees to the policy.
Finding the Right Company
Not all travel insurance companies are created equal, and it’s important to find one that understands and accommodates the unique needs of autistic travellers. Here are some tips for finding the right travel insurance provider:
- Research and Compare: Start by researching different travel insurance companies and comparing their policies. Look for companies that explicitly state they cover pre-existing conditions, including autism.
- Read Reviews: Customer reviews can provide insight into how well an insurance company handles claims related to autism. Look for feedback from other families who have traveled with autistic children.
- Ask Questions: Contact insurance companies directly and ask specific questions about their coverage for autism-related issues. This will help you gauge their understanding and willingness to provide the necessary support.
- Seek Recommendations: Reach out to autism support groups or online communities for recommendations. Other parents and individuals with autism can offer valuable advice based on their own experiences.
Alternatively, you can trust my personal recommendation for Explorer Travel Insurance: I use them myself and have found that we have paid much less than expected as a family of 5, and especially with having multiple autism diagnosis’ to declare. I was especially comforted by the fact that the managing director of the company also has an autistic child – it gave me peace of mind that they know the challenges that come with autism and are unlikely to place unreasonable costs on families just like their own.
Keeping the Price Reasonable
While it’s true that travel insurance for pre-existing conditions can sometimes be more expensive, there are ways to keep the costs reasonable:
- Customize Your Coverage: Only pay for the coverage you need. Customize your policy to include essential protections while omitting unnecessary extras.
- Compare Quotes: Obtain quotes from multiple insurance providers to find the best rate. Don’t settle for the first offer; shop around for the best deal.
- Look for Discounts: Some insurance companies offer discounts for families, early bookings, or multi-trip policies. Ask about any available discounts when you request a quote.
- Consider Group Policies: If you are traveling with a group, look into group travel insurance policies which can sometimes offer lower rates.
Autistic People Can Get Insured Like Anyone Else
It’s important to dispel the myth that autistic individuals face insurmountable obstacles in obtaining travel insurance. Autistic people can get insured just like anyone else. By being transparent about the condition and any special requirements, you can secure a policy that offers the necessary protections without excessive hassle.
Insurance companies are increasingly aware of the diverse needs of travellers, including those with autism. The key is to start the process early, provide detailed information about your needs, and communicate openly with your chosen insurance provider.
Traveling with an autistic child or as an autistic individual can be a wonderful and fulfilling experience. However, it’s essential to have the right travel insurance in place to ensure a safe and worry-free journey. Travel insurance for autism is not difficult to obtain, and with the right approach, you can find a policy that is both comprehensive and reasonably priced.
By researching your options, comparing quotes, and choosing a provider that understands your needs, you can enjoy your travels with confidence that you have the right travel insurance for people with autism. Remember, autistic individuals deserve the same protection and peace of mind as any other traveller. With proper planning and the right insurance, your travel adventures can be as enriching and enjoyable as you envision.
If you are travelling with an autistic child, why not also check out these mini sensory play mats for sensory input and regulation while you travel or sign up for my free travel and holiday PECS download.