most insurers classify MS as a neurological disease. They tend to have a specific category for MS (the policy will specifically mention MS, as MS is not that uncommon amongst working-age people). Your neurologist will probably indicate you have a neurological disease on your medical reports. If you have MS, your MRI will indicate you have lesions on your brain, or spine, or both. The lesions on your brain and spine are due to demyelination - and not due to whiplash or external spinal injury. I dont believe you'll have a problem with your existing insurancecover not recognising MS - as you're only getting your diagnosis now (it was not a pre-existing condition which had been previously diagnosed).