Home > FAQs > Insurance for PAD & PID Patients

From time to time, patients contact us for information about insurance cover – and often with the message that insurers are declining to offer them cover because of their Primary Antibody Deficiency (PAD) or Primary Immune Deficiency (PID).

With that in mind, we felt it sensible to create an ‘insurance page’ on this website to provide helpful information to anyone who has experienced the same difficulty. We have discussed the needs of the UKPIPS Community with the organizations mentioned here and they are aware of the insurance needs of people living with a Primary Antibody Deficiency or other Primary Immune Deficiency. We have no financial or any other relationship with any of these companies and would suggest that you ask for a written quotation before making a final decision about which insurer or broker you decide to use. Additionally, we make no claims as to the efficacy, cover and/or price competitiveness, reliability, financial stability or any other integrity benchmark for the companies listed here.

However, if you find the companies we’ve listed prove to meet your requirements, please let us know. Equally, if you know of an insurer not mentioned here but who has given you excellent service, we’d be delighted to hear about that too. If they helped you – they could help others, so their details should appear here as well.

Information about the companies below has been written by them and sent to UKPIPS to include in our insurance leaflet and on our website and which we have not altered in any way.



Unique offers specialist insurance products and financial services for those living with pre-existing medical conditions and disabilities.

Travel insurance – there are no upper age limits on single trip policies and annual policies are available too. Our established service has helped many people get cover when they couldn’t elsewhere. We also give you a choice – either Platinum or Gold – providing varying levels on areas like cancellation and baggage, according to which may suit your needs best.

Life assurance – Because we never know what the future holds, life assurance cover from Unique could help to bring you the peace of mind you’re looking for. Our covers available include level and decreasing term insurance, mortgage protection and family income benefit. Would your loved ones be financially secure if anything happened to you tomorrow? Speak to Unique today!

Home insurance – Buildings and contents cover are available, as combined or separate policies and there’s a 10% discount for new customers (subject to underwriting criteria and minimum premium of £138). Our policies include, as standard, more specialist features, such as cover for mobility aids, refrigerated medication and damage to the home when accessed in an emergency.

Motor insurance – Our service is more personal than the comparison websites, with our team searching our panel to get the right deal for you. We can also offer 24 Hour Accident Claims Assistance and Legal Protection, with Low cost breakdown cover provided by the RAC.

Speak to the team today on 01603 828 200

Unique is a trading name of Heath Lambert Limited, which is authorised and regulated by the Financial Services Authority. Registered Office:9 Alie Street,LondonE1 8DE. Registered Number: 1199129EnglandandWales. www.gallagherheath.com



Pulse Insurance Ltd

Pulse specialises in arranging insurance to cover difficult-to-place and non-standard risks. Many cases seen by Pulse will have been previously declined by other companies. Pulse recognises that each case is different and hence offers a bespoke service, which is tailored to the needs of each individual case. We pride ourselves on our personal customer service. Your call will be answered by an experienced member of staff, who will be able to help you through the process for obtaining cover.

We do not operate a call center (or a push-button answer service).
We pride ourselves on our caring, considerate, professional and innovative approach. Our commitment to finding a solution for our clients means that we are able to provide indications of cost for over 80% of the enquiries we receive.

In a recent discussion between UKPIPS and Pulse’s Managing Director, we were told that “Pulse isn’t the cheapest choice, but if we can’t provide the client with a satisfactory level of cover, it’s likely that no-one can!”

Pulse Insurance Ltd
6 Oxford Court, St James Road, Brackley, Northamptonshire, NN13 7XY

Telephone: 01280 841430
Fax: 01280 702977
Travel Desk: 0844 3340165
Email: admin@pulse-insurance.co.uk
Web: www.pulse-insurance.co.uk



AllClear Travel

AllClear Travel provides medical travel insurance for people with pre-existing medical conditions who have difficulty in getting travel insurance elsewhere, whether it’s because of medical conditions, disability or age.

They can cover:-

  • All medical conditions
  • All ages (Single Trip and Annual Multi Trip)
  • All destinations

For a quotation visit or phone 0845 250 5350 to speak to their UK Call Centre.

AllClear Travel
1 Redwing Court, Ashton Road, Romford, Essex, RM3 8QQ

Telephone: 0845 250 5350
Web: www.allcleartravel.co.uk



There’s nothing like word-of-mouth referrals from people who have received satisfactory service. The two companies below have been mentioned to us by two different people in the UKPIPS Community and we’re pleased to list them here for you.

Holiday Extras Ltd, Newingreen, Hythe, Kent CT214JF Tel: 0871 360 2020 Web: www.holidayextras.com This company was recommended by a patient in Birmingham

Clear2Go Insurance, MIA Online Ltd., Unit 2 Imperial Park, Rawreth Lane, Rayleigh SS6 9RS Tel: 01268 782745 Web: www.miatravelinsurance.co.uk/clear2go.php

This company was recommended by a patient in Scotland