Is hearing aid insurance worth it?
Updated: Aug 27
Hearing aids have become more technologically advanced and more versatile in recent years. You can connect them to your smartphone through Bluetooth and listen to soundtracks, or answer calls on hands-free. They’ve also become a lot smaller and more expensive. The price of a pair of premium hearing aids in the UK's today market ranges from £995 to more than £4,995, they are among the most expensive personal items you can own. Unfortunately, they can easily be lost or damaged. This may lead you to ask: are hearing aids covered by my insurance?
In this article you will learn about:
Can I claim lost hearing aids on my home insurance?
Are my hearing aids covered by insurance?
What other options are there to purchase an insurance policy for my hearing aids?
What to consider when buying an insurance policy for my hearing aids?
Why some insurance companies are hesitant to insure your hearing aids?
Is the warranty on my hearing aids cover the loss or damage of them too?
Is there any feature on hearing aids to reduce the chance of them being lost?
How to prevent my hearing aids eaten or chewed on by my pet?

Can I claim lost hearing aids on my home insurance?
Usually, unless your home insurance specifically excludes medical equipment, your hearing aid should have coverage under the personal property section of your home insurance. As long as the cost of a new hearing aid exceeds your deductible, you should be able to submit a claim to replace it.
Are my hearing aids covered by insurance?
Some insurance providers do cover hearing aids under household or content insurance. They can provide you with an insurance policy for your hearing aids against loss or damage caused by theft, fire and other circumstances e.g. chewed on by your pet. Some providers offer cover for your hearing aids if you take them away with you. Having said that, you may need to add personal possessions policy cover to your policy which will cover you against accidental loss and damage to your hearing aids. Instead of guessing the best is to check your existing insurance coverage by asking your insurer to see what is covered by your policy, the minimum deductibles and other details about the insurance coverage on your hearing aids.
Some hearing aid providers offer insurance coverage, so it’s worth speaking to your hearing care professional for more information.
What other options are there to purchase an insurance policy for my hearing aids?
There are several specialised insurance companies for niche sectors such as health and hearing aids. One of them that we have had a positive experience with our patients is Assetsure. Visit Assetsure for an online no-obligation quote for insuring your hearing aids.
What to consider when buying an insurance policy for my hearing aids?
If you are looking for a new insurer for your hearing aids, it’s a good idea to check:
Whether hearing aids are covered as ‘extras’
How much money you will get back should you lose your hearing aids? Some insurers have a set amount that they will pay for hearing aids, and some others may provide a 'like' level of hearing aids instead of reimbursing the value of it
How long you will have to wait to be reimbursed, or receive replacement hearing aids?
Will the payment be a one-off or multiple payment? Some insurance providers will only offer one payment across the entire life of the policy, while others will cover the replacement of your hearing aids once every three, four or five years
How will a claim against your hearing aids affect your no-claims discount on your insurance policy?
What is the minimum deductible in case of a claim needed to be raised?
Do they offer a better rate for your policy if your hearing aid is detectable (most of the hearing aids we provide can be detectable on the screen of your smartphone if/when are lost)
Before you sign with a new insurance provider, make sure you know what coverage is provided for your hearing aids and what happens if you make a claim.