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You should make sure you have a good insurance policy when you travel abroad. Most travel agents can supply comprehensive policies but these might not be suitable for disabled people. Some policies do not cover claims arising from a "pre-existing medical condition or defect", i.e. claims relating to your disability. You should check that any travel insurance you are offered does cover you for your disability or medical condition.
It is also important to check that you have a policy that covers any equipment you are taking with you, such as a wheelchair. This is unlikely to be covered by a standard travel insurance policy. Items such as wheelchairs are often covered under your household insurance policy which may include cover when the item is taken abroad. If this is not the case, there are specialist brokers and insurers who can provide cover when taking equipment abroad, you should ask what the cover excludes, as some insurers will not insure equipment when it is actually in transit.
The Disability Discrimination Act 1995 makes it illegal for insurance companies to charge a disabled person more for an insurance policy without evidence that proves that the disabled person is a greater risk than a non disabled person.
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