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Down’s Syndrome is also known as Down syndrome or trisomy 21. It is a genetic condition that causes some level of learning disability and certain physical characteristics. People with Down’s syndrome are more likely to have health problems, such as heart disorders, hearing and vision problems, thyroid problems and recurrent infections. Down’s syndrome is usually caused by an extra chromosome in a baby’s cells. All or some of the cells will contain 47 chromosomes instead of the usual 46 and its an extra copy of the chromosome 21 which causes the characteristics of Down’s syndrome.
It is highly recommended that you purchase travel insurance to cover your down’s syndrome before you travel. It is too late to purchase your insurance once you have started your holiday as insurers need to know that you were fit to travel before you left. Making sure that all your medical conditions are covered for your holiday gives you peace of mind in the knowledge that you will be protected in case complications arise. You would be able to make a claim for replacement costs if your medication is lost or stolen or if you became unwell during your trip and all your medical conditions were covered you would be protected should you need unplanned medical treatment. If you were deemed unfit to travel before your holiday due to complications arisen from a declared pre-existing medical condition you would be able to make a claim. Before deciding on which insurance policy to purchase, make sure you double check the levels of cover are appropriate for you as different insurers offer different levels.
If you are travelling to Europe, then it is essential that you carry an EHIC – European Health Insurance Card. Please see our dedicated page for more details - What is the Ehic
When you book your travel insurance we will need to ask a few questions about your condition. Please have to hand information about your condition, any medication you are currently taking and any treatment you have received. Unfortunately, it is harder to arrange travel insurance if you are awaiting a diagnosis or treatment. You should also talk to your Doctor / Consultant before confirming travel plans. By booking your travel insurance with Direct Travel we may be able to offer cover to customers with down’s syndrome as a pre-existing condition, provided it is declared at the medical screening stage of the booking process.
To provide peace of mind for patients, a policy which covers family members, and/or a carer may be suitable depending on your circumstances to ensure that everyone is covered appropriately. If, due to complications relating to your Down’s syndrome you are unable to travel you may be able to make a claim for cancellation. Our policies also provide a 24-hour medical assistance line, expenses relating to ambulance and hospital costs and repatriation to the UK amongst others.