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We've done the research and found over 10 brands that cover you if you have dementia or Alzheimer's. Many insurers will flat-out exclude cover for pre-existing mental conditions, including dementia. Others may agree to provide you with travel insurance for Alzheimer's if you undergo a medical screening. This can simply be filled out online.
Brand | Conditions | Apply |
---|---|---|
![]() | Specialising in medical travel insurance, AllClear will assess your condition online and quote you an extra premium if you're approved. | |
![]() | Customer can add pre-existing condition and must complete an online medical assessment. 1Cover will decide if they will cover the condition and/or exclude it from your policy. Additional premiums may apply. | |
![]() | Customer can complete the online medical assessment and InsureandGo will decide if they will cover the existing condition. Additional premiums may apply. | |
![]() | Declare your pre-existing condition and complete the online medical assessment. Online Travel Insurance will decide if your pre-existing condition will be added or excluded from your policy. Additional premiums may apply. | |
![]() | Online medical assessment will determine if cover for dementia and Alzheimer's can be provided. | |
![]() | Dementia and Alzheimer's may be covered with online medical screening and an extra fee for cover. | |
![]() | May be approved pending an online medical assessment and an extra premium. | |
![]() | AusPost travel insurance may cover dementia if you are approved on an online medical assessment. An extra premium will be payable. | |
![]() | Dementia and Alzheimer's may be covered. You will need to do an online medical assessment and an additional premium will be charged for cover. | |
![]() | Additional cover is available through RACV with online medical screening and extra fee. | |
Cover is available pending online medical screening and an additional premium will be payable. | ||
![]() | Online medical assessment will determine if cover for dementia and Alzheimer's can be provided. |
*Table last updated 19th July 2019
Any changes in your health can affect your cover, and in some cases can invalidate your policy. If you already have travel insurance - for instance if you have an annual travel insurance policy - you need to let your insurer know about a dementia or Alzheimer's diagnosis.
That way, you'll know whether or not your existing policy will cover you. Your insurer will probably ask you to complete a medical assessment, helping them determine the seriousness of your condition. These assessments are nothing to be worried about and usually don't take long to complete - the provider simply needs to work out if they can afford to insure you. If you've only recently been diagnosed, your policy might still be valid, though there might be an increase in your premiums. If they refuse to insure you, there are always alternatives.
While the cost is likely to be higher for dementia sufferers, you can still get travel insurance. If you are refused by an insurer, shop around for a policy elsewhere. If you are finding it hard to get cover, there are also specialist insurers who cover people with dementia.
Alternatively, check out the list above. These insurers all offer cover to those with dementia and Alzheimer's - all you need to do is complete the medical assessments. If filling out medical assessments online isn't really your thing, speak to a broker. It'll cost you a little more, but they can shop around and find cover for you.
The more thorough you plan your trip, the easier it'll be for you or the person with dementia you are travelling with. Follow these steps to ensure dementia doesn't prevent you from having a great trip.
When travelling with dementia or with someone who has Alzheimer's, it's important to carry documentation with you in case of an emergency. This should include:
The following general tips are useful when travelling with someone who has dementia:
Suffering from dementia doesn’t mean you can’t travel. It just means you need to plan well ahead and take precautions wherever possible to make the process as smooth and painless as possible.
Compare which travel insurance brands in the finder.com.au cover Alzheimer's
Picture: Shutterstock
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