Standard travel insurance often treats Multiple Sclerosis (MS) as a high-risk variable, but Aviva has positioned itself as one of the more transparent mainstream providers for travelers with stable neurological conditions.
The critical distinction with Aviva is that they do not have a blanket “no” for MS; instead, they utilize a granular medical screening process that assesses your specific symptoms—such as mobility levels and recent flare-ups—to determine your premium.
To secure a policy that is actually “holiday safe,” you must move beyond the basic quote and ensure the Medical Declaration accurately reflects your current stability, as the “friction” in claims almost always stems from undisclosed changes in walking aids or medication.
The Logistics of the Aviva Medical Screening
When you declare MS to Aviva, their digital underwriting engine pivots to a specific set of questions. They aren’t just looking for the diagnosis; they are assessing the risk of an acute relapse that would require repatriation. Unlike niche “medical-only” insurers, Aviva integrates MS coverage into their standard Global, Plus, or Premium tiers.
| Coverage Feature | Aviva Global (Standard) | Aviva Plus/Premium | MS-Specific Impact |
| Medical Expenses | Up to £5 Million | Up to £10 Million | Covers MS-related emergencies if declared. |
| Cancellation | Up to £2,000 | Up to £5,000 | Covers flare-ups preventing travel. |
| Mobility Aids | Standard Baggage Limits | Enhanced Baggage | Crucial for wheelchairs/walking frames. |
Friction Points: What Aviva Might Not Cover
Gritty realism is essential here: an Aviva policy is only as strong as the “declaration of fitness” you provide. If you have been hospitalized for MS in the last 12 months, or if you are currently awaiting a new round of scans or a change in Disease-Modifying Therapies (DMTs), Aviva may exclude MS-related claims or decline the policy entirely until your treatment plan is finalized.
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The Mobility Aid Gap: While Aviva covers baggage, a high-end electric wheelchair often exceeds the “single item limit” of a standard policy. You may need to add a “Valuables Extension” to cover the full replacement cost of specialized mobility equipment.
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The “Stable Condition” Rule: If your MS symptoms worsen after you buy the policy but before you fly, current regulations require you to notify Aviva. Failure to update them on a new symptom (like sudden optic neuritis) can void the entire medical section of the policy.
Field Note: The “Waiting List” Bottleneck
If you are on a NHS waiting list for an MS-related procedure or investigation, Aviva (and most UK insurers) will generally not cover any claims related to that specific condition. Always wait until you have a “clear” status from your neurologist before booking non-refundable elements of your trip.
Comparing Aviva with Specialized MS Insurers
Aviva is a “Mainstream Provider.” For those with Relapsing-Remitting MS (RRMS) who are currently stable, Aviva is often significantly cheaper than specialist insurers. However, for those with Progressive MS or high mobility needs, a specialist might offer better “friction-free” claims.
| Criteria | Aviva (Mainstream) | Specialist Insurers (e.g., AllClear/StaySure) |
| Pricing | Lower for stable RRMS. | Higher, but more inclusive. |
| Screening | Faster, automated. | More detailed, manual review. |
| Severe Symptoms | May decline or high excess. | Usually accept with a premium. |
Field Note: Heat Sensitivity Logistics
Many people with MS experience “Uthoff’s Phenomenon” (worsening symptoms in heat). If you have to cancel a trip because a heatwave in your destination makes it medically unsafe for you to travel, Aviva may require a doctor’s note specifically stating that the environmental change posed a direct threat to your MS stability.
The Expert FAQ: Authoritative Guidance for MS Travelers
Does Aviva cover MS by default?
No. You must explicitly declare Multiple Sclerosis during the medical screening. If you do not declare it, any claim—even one unrelated to MS, like a broken arm—could be questioned or denied due to non-disclosure.
Will Aviva cover my medication if it’s lost or stolen?
Yes, under the “Emergency Medical” or “Baggage” sections, depending on the tier. However, the logistics of replacing DMTs (like injectable infusions) abroad are nightmarish. Always carry a copy of your prescription and a letter from your neurologist.
What if I have a relapse while I’m away?
As long as you declared your MS and paid any required additional premium, Aviva will cover the cost of hospital treatment and, if medically necessary, an air ambulance or a flight upgrade to accommodate your physical needs during the return journey.
Does the policy cover my traveling companion?
If you and your companion are on the same Aviva policy, and you have to cancel because of an MS relapse, their cancellation costs are also covered. If they are on a separate policy with a different company, they may struggle to get their money back.
Is there an age limit for MS coverage?
Aviva generally has age caps on their standard annual policies (often age 70 or 75). If you are an older traveler with MS, you may be pushed toward their “Single Trip” policies, which have more flexible age limits.
Can I get coverage if I use a wheelchair?
Yes, but you must declare your level of mobility (e.g., can you walk 200 meters?). This helps Aviva assess the risk of “accidental injury” claims.
What happens if my airline loses my wheelchair?
Airlines are legally responsible, but their liability limits are low. Aviva’s baggage or specialized equipment cover acts as a “top-up” to ensure you can rent or replace your chair immediately.
Does Aviva cover “Experimental Treatments” abroad?
No. If you are traveling specifically for a treatment like HSCT (Hematopoietic Stem Cell Transplantation) or other clinical trials, Aviva will not cover the treatment or any complications arising from it.
