The law says that a company can’t refuse you travel insurance just because you have a disability. This means they are not allowed to sell you no travel insurance at all just because of your disability. But they can sometimes make you pay more, or not pay for some costs that come from your disability.
The Disability Discrimination Act and the Equal Opportunity Act are laws that make sure you have the same rights as people without disabilities. They say that you have the same right to buy travel insurance as people without disabilities. The only time that travel insurance companies can treat you differently is if they can show that treating you the same as everybody else would cause them big problems. These problems are called ‘unjustifiable hardship’.
Sometimes, your disability might mean you are more likely than somebody without a disability to need medical help when you are travelling. If you use expensive disability equipment (things) like a wheelchair, the cost of having your things stolen or lost might also be higher than somebody who doesn’t use these things.
Travel insurance companies use these reasons to say that you have to pay more for insurance. Sometimes they also use them to say they won’t pay for some things that could go wrong. The law controls when this is OK or not. Sometimes they try to do this even when the law says they can’t.