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AllClear Travel Insurance Review: Is It Worth It?

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In this AllClear Travel Insurance review, we’ll explore what plans they offer, what they cover, and whether the plans are worth it for you. Enjoy!

When you’re planning a trip, it’s tempting to focus on finding the perfect hotel and gloss over the less exciting task of choosing an insurance policy .

If you ask me, that’s a risk. You never know when a medical emergency could arise, and the cost of health care outside your home country can rack up quickly depending on your destination.

If you have a pre-existing medical condition, you might dismiss travel insurance. Everyone knows that pre-existing conditions are not covered, right?

While some travel insurance companies cover pre-existing conditions in certain situations, there is actually a travel insurance solution designed to cover them. It’s called AllClear, and it offers single and multi-trip insurance plans to travelers of any age – even those with pre-existing conditions.

Let’s take a closer look.

AllClear at a Glance

• Specializes in coverage for pre-existing medical conditions
• Covers more than 1,300 conditions
• Covers travelers of any age
• Offers single and multi-trip plans
• Serves residents of the U.K., Republic of Ireland, Channel Islands, Isle of Man, and Australia
• Acts as a broker, providing quotes for its own insurance products, as well as those from other providers

AllClear Travel Insurance Products

AllClear Travel Insurance offers travel insurance solutions to travelers of any age for almost any destination. It specializes in covering pre-existing medical conditions, which sets it apart from many other providers.

Travelers taking a single trip can purchase one-shot insurance, while those who travel multiple times per year should consider a multi-trip plan that covers all trips.

You can purchase a single trip policy up to 12 months before your travel is scheduled to begin, with cancellation kicking in right away. You can get an online quote for trips lasting up to 92 days.

Annual multi-trip plans offer 12 months of coverage for all trips within the same region, up to 45 days each. Region means one of the following:

• Worldwide excluding North America and the Caribbean
• Worldwide including North America and the Caribbean

Whether you should opt for a single or multi-trip plan depends on the length and number of your trips. AllClear advises that an annual multi-trip plan is usually cheaper if you travel three or more times per year.

AllClear offers three primary plan, available for both single and multi-trips:

• AllClear Gold
• AllClear Gold Plus
• AllClear Platinum

AllClear Travel Insurance: What’s Included?

AllClear travel insurance plans include coverage for all ages and most pre-existing medical conditions.

And what exactly is a pre-existing medical condition? Some are considered pre-existing if you’ve ever experienced symptoms. Others are pre-existing if you’ve received treatment or exhibited symptoms in the last five years. It’s all explained on AllClear’s website when you get an online quote and answer a brief medical questionnaire.

What about coverage? Here’s the key takeaway:

• Medical expenses up to £15,000,000
• Trip cancellation and curtailment up to £5,000
• Baggage and personal items up to £3,000

Below is a little extra info showing how coverage varies by plan. For more information, refer to the insurance policy booklet.

Looking at this table, you might notice that the AllClear Platinum plan isn’t that different from the AllClear Gold Plus plan. But what sets the Platinum plan apart is that none of the coverage limits are subject to an excess (deductible). That isn’t the case with the AllClear Gold and Gold Plus plans. Excess amounts vary per coverage category, so consult the policy booklet for more information. The AllClear Platinum plan also includes coverage for cruises .

Note that versions of the AllClear Gold and Gold Plus that exclude trip cancellation coverage are available for lower premiums. You can also buy an AllClear Gold plan with a higher excess (deductible) for a lower premium. Excess varies by plan and category, so be sure to consult the policy booklet for more details. (Hint: the policy booklet is available when you get an online quote.)

You can add winter sport and golf coverage to any plan for an additional premium. Again, consult the policy booklet for more info.

Get Your Pre-Existing Conditions Covered. Need a travel insurance plan for your next trip? Compare single trip and multi-trip travel insurance plans from AllClear! Get a free quote here.

How Much Does AllClear Travel Insurance Cost?

The cost of an AllClear travel insurance policy will vary based on several factors. These include age, medical conditions, trip length, destination, desired coverage, and desired excess (also called deductible).

Single Trip

I obtained a quote for a hypothetical U.K. couple traveling to Spain for one week. The couple are 39 and 43 years old and have no diagnosed medical conditions. These are the AllClear plans and their prices:

AllClear Gold Excluding Cancellation — £69.88

AllClear Gold Increased Excess — £83.04

AllClear Gold — £87.36

AllClear Gold Plus Excluding Cancellation — £76.70

AllClear Gold Plus — £95.90

AllClear Platinum — £122.84

The more expensive plans offer higher coverage amounts. Plans that exclude cancellation insurance are less expensive, as are plans with higher excess.

Annual Multi-Trip Plans

For illustration purposes, here are the quotes for the annual multi-trip versions of the same plans, for the same hypothetical couple:

AllClear Gold Excluding Cancellation — £131.44

AllClear Gold Increased Excess — £156.04

AllClear Gold — £164.28

AllClear Gold Plus Excluding Cancellation — £144.60

AllClear Gold Plus — £180.74

AllClear Platinum — £235.94

We can see from these quotes that if this couple were to take two trips of this length within Europe during a 12-month period, they would be better off buying an annual multi-trip plan.

I should also mention that I ran quotes for a senior couple aged 79 and 84 taking the same trip. One of these hypothetical seniors has high blood pressure and cholesterol and the other has Type 2 diabetes. Coverage levels were the same, but as expected, premiums were much higher — almost five times higher, in fact.

AllClear Travel Insurance: What Isn’t Covered

• Undiagnosed Conditions: AllClear can’t cover a medical condition if it hasn’t been diagnosed by a health care professional. If you are undergoing tests or treatment for a yet undiagnosed condition, claims related to it will not be covered.
• Pre-Existing Conditions You Failed to Disclose: Pre-existing conditions affect the premium you pay for AllClear coverage, so if you don’t disclose one, you won’t be covered for any claims related to it. In fact, if this comes to light, your policy may be voided altogether. This is why it’s essential to answer the medical questionnaire truthfully and completely.
• Anyone Who Isn’t Cleared to Travel : In order to receive coverage from AllClear, your doctor must declare you fit for travel. In some cases, AllClear may request written proof of this before agreeing to cover you. If your travel is against the advice of your physician, you are not eligible for coverage.
• Some Terminal Conditions: Depending on your prognosis, you may or may not be eligible for coverage if you have a terminal condition. In these cases, it is best to contact AllClear by phone to review your situation in more detail.
• Destinations for Which the Foreign and Commonwealth Office Has Issued a Travel Advisory: AllClear covers travel to almost anywhere in the world, but there are some exceptions. This includes destinations the Foreign and Commonwealth Office has advised against traveling to. If you ignore the advisory and go to one of these destinations anyway, you’ll have to seek coverage elsewhere.

Travel Insurance Plans For Everyone – Get complete travel insurance coverage for pre-existing conditions no matter your age for your next trip. Get a free quote from AllClear here .

AllClear Travel Insurance: Who Can Be Covered?

The great thing about AllClear is that the company covers travelers of any age. It also covers many declared pre-existing medical conditions. Currently, it serves residents of the U.K., the Republic of Ireland, the Channel Islands, the Isle of Man, and Australia. The content of this review does not apply to Australia, though, since pricing and products may differ.

Who Should Buy AllClear Travel Insurance?

Travelers With Pre-existing Medical Conditions : Because AllClear specializes in coverage for pre-existing medical conditions, it’s an excellent option for people who might otherwise struggle to find coverage.

Seniors : Many providers have an upper age limit on their policies, but not AllClear. Even seniors in their 80s and 90s can find a plan that suits their needs.

Frequent Travelers : AllClear’s annual multi-trip plans usually end up being more cost-effective for travelers who plan to take at least three trips in the same region during a 12-month period. Sometimes even two trips is enough. Remember, one of the “regions” is “ worldwide including the USA, Canada, and the Caribbean ” so these plans aren’t as restrictive as they sound.

Travelers Wanting High Medical Coverage : One of the most attractive features of AllClear is its high medical coverage. Even the entry-level plan offers £10,000,000.

Who Should Skip AllClear Travel Insurance?

Travelers With Yet Undiagnosed Medical Conditions : AllClear needs details about your medical condition before the company can offer coverage. That means you need an official diagnosis. If you’re currently undergoing tests to try to diagnose a medical condition, it won’t be covered. To be honest, I doubt any provider will cover that. Your best bet is to wait until you have a diagnosis. Otherwise, you’ll have to take your chances, which I don’t recommend.

Anyone Looking for High Levels of Trip Cancellation or Curtailment : AllClear offers trip cancellation and curtailment coverage up to £5,000. It covers non-refundable deposits if you have to cancel or cut short your trip for a covered reason. That said, if you’re planning an expensive trip , it may not be enough to protect your investment. The AllClear Platinum plan allows you to purchase additional coverage in increments of £1,000, but other providers may offer more coverage for less.

U.S. Residents – AllClear Travel Insurance is currently not available to residents of the United States.

How to Buy AllClear Travel Insurance

Most travelers can obtain a quote and purchase AllClear travel insurance online . In some circumstances, travelers may be advised to call AllClear to discuss a quote further, usually when additional information about a medical condition is needed.

Once you purchase a policy, there’s a 14-day cooling-off period. That means if you change your mind before your travel begins and before you have cause to make a claim, you can get a full refund.

How to Make a Claim

Depending on the nature of your claim, it might occur while you’re away or after you return home.

If you need to access emergency care while away, contact MAPFRE Assistance for 24-hour multilingual emergency service by phone or email (its contact info is in your policy booklet). MAPFRE will then arrange your care.

If you need outpatient services while away, you generally pay out of pocket and then file a claim when you return home. The exception is when the service costs more than £500, in which case you can go through MAPFRE Assistance.

Reactive Claims Ltd. handles AllClear travel insurance claims filed after you return home. You can get a claim form online or by contacting Reactive via phone or mail within 28 days of your return. You’ll have to submit your completed claim form along with your original policy and all original receipts and other supporting documents.

Seniors and people with pre-existing medical conditions often struggle to find travel insurance coverage, period. It’s excellent that AllClear is available to serve these groups, even if the premiums are expensive. For many, the price is worth the peace of mind that the high medical coverage provides.

For younger people without pre-existing conditions, AllClear insurance is reasonably priced and offers a ton of medical coverage. To be honest, most people without pre-existing conditions don’t need that much — £1,000,000 including repatriation would be more than enough in most cases.

The trip cancellation coverage is a bit lacking with some of the AllClear plans. The Gold Plus and Platinum plans offer a respectable £5,000, with Platinum allowing travelers to purchase additional coverage. However, Gold plan coverage is on the low side. AllClear is primarily a travel medical insurance provider, so it makes sense that cancellation isn’t its focus. That said, it might not meet the needs of travelers who are planning expensive trips. If that describes you, I recommend comparing plans to find the best fit for you.

Protect Your Trip with Travel Insurance – Whether you need coverage for a single trip or several, you can protect your travel dollars with a policy from AllClear. Compare plans and get a free quote here.

Sandra Parsons is a professional freelance writer and personal finance expert who writes about all things money. Her work has been featured on sites like MoneyTips, Credit Knocks, Women Who Money, and CreditCards.org. She also adores travel (preferably paid for with credit card rewards) and routinely reviews sightseeing passes and travel insurance solutions. Prior to focusing on her writing career, Sandra spent five years working in banking. She also holds master’s degrees in employment relations and psychology. Learn more about Sandra here.

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Inspirational Travel stories: Sharon Thompson

When Sharon Thompson was looking for Travel Insurance to cover her needs, she discovered AllClear and never looked back.

“I have been insured with AllClear ever since I have been travelling. AllClear covers my pre-existing medical conditions , the policies are affordable and you can guarantee that you will get absolutely the right cover. This all gives me peace of mind when I travel.

“With AllClear, you can choose to have an excess or not; you can pay £50, or you can get the zero excess plan as well; honestly, it’s just as good. One of the reasons we insure with AllClear is because it is so easy to get cover for cruises , and it’s a type of holiday they really understand. You just enter all the countries online, and away you go. So simple.

“I do worry that if something happened to me when I was abroad—and I didn’t have the right insurance—I could lose my house trying to get home. I know with AllClear that I have the right insurance, that I’m covered, and that it’s written down in ink. It’s so worthwhile paying for the right insurance to have that piece of mind to just know you are covered—you never know what could happen when you go away, and with AllClear, I have that peace of mind wherever I go.”

“I like to have a hard copy of my Travel Insurance documents, so when I forgot to tick the box online last time, I was straight on the phone, and the customer service lady was so helpful. She sent out all the documents within two days.

“Unlike most insurers, AllClear actually offers cover to people who are on the waiting list for an operation. It is such a great peace of mind to know that AllClear offers this type of service, should I ever need it.

“I think with the rising cost of living, people might start cutting corners to try and save a bit of money, but with Travel Insurance this should never be done. The last thing you want when you are abroad is for something to happen and your insurance to be null and void. Of course, it’s particularly important if you have a pre-existing medical condition, but even if you don’t, it’s so important to get the right and adequate cover. People just shouldn’t cut corners.

“You have to really write down everything that you are suffering with; physically, you have to let the company know exactly what is going on. It doesn’t always mean your premium will go up; it just means that you are putting yourself in a better position to be looked after if anything were to happen abroad. Be honest from the start; keep it simple.

“The most important three things for me to look for with Travel Insurance are:

• one, covering my pre-existing health condition.
• two, reasonably priced policies.
• and finally, ease of access in that the website is user-friendly and efficient so you can easily fill in all the criteria that you need to.

AllClear gets it right on all these counts.”

AllClear is a reliable company that is customer-focused, and I find them really convenient. I’ve actually seen travel insurers charging far more than AllClear with fewer benefits than AllClear offers. AllClear are specialists at what they do, so for me, it’s a no-brainer. You get what you pay for when it comes to Travel insurance, and for me, it’s all about trust and quality. That’s why I say with AllClear every time.”

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All Clear Travel Insurance – All You Need to Know

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

So you’ve finally booked that dream holiday. The flights are sorted, accommodation selected, and you’ve started planning what you’ll do once you reach your destination.

But there’s another critical part of your travel preparation: getting the right travel insurance .

Today, we’re focusing on All Clear Travel Insurance – a provider that specializes in cover for travelers with pre-existing medical conditions .

Here’s everything you need to know.

In this article...

Who is All Clear Travel Insurance?

All Clear is an insurance provider based in the UK and has been a game-changer in the market since its inception in 2000. The company was the first to offer travel insurance for people of all ages, with any medical condition.

Today, it remains a leader in providing inclusive, comprehensive policies that provide peace of mind to travelers worldwide.

Recommended Plans

✅  Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅  Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅  Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

What Does All Clear Travel Insurance Cover?

All Clear offers a wide range of coverage , which is what sets them apart in the crowded travel insurance market. Here’s a closer look at what their policies typically cover:

• Medical Emergencies and Repatriation: All Clear provides substantial cover for medical emergencies and repatriation, with amounts up to £15 million. This ensures you’re covered even if you fall ill or have an accident while abroad .
• Cancellation and Curtailment: Unforeseen circumstances may force you to cancel your trip or cut it short. All Clear provides coverage for these instances to ensure you aren’t out of pocket due to changes in plans .
• Baggage and Personal Belongings: It’s not uncommon to experience loss, theft, or damage to your baggage and personal belongings while traveling. All Clear has this covered too.
• Travel Disruption: In an era where travel plans can be suddenly disrupted, All Clear provides cover for travel delays and any resultant accommodations costs.
• End Supplier Failure: If your travel company goes under, All Clear’s End Supplier Failure feature can be a lifesaver, covering lost costs.
• Legal Expenses: Should you require legal assistance while abroad, All Clear provides coverage for legal expenses.

Why Choose All Clear Travel Insurance?

You might be wondering what sets All Clear apart from other travel insurance providers. Here are a few reasons:

• Specialist Medical Coverage: All Clear’s strength lies in its comprehensive medical coverage. Their policies are designed to cover a broad range of pre-existing medical conditions.
• Customizable Policies: All Clear allows you to customize your policy to fit your unique needs, ensuring you only pay for the coverage you require.
• 24/7 Medical Emergency Support: All Clear provides round-the-clock support, ensuring assistance is just a call away should you face a medical emergency while traveling.
• Positive Customer Reviews: All Clear has garnered positive customer reviews over the years, with many users praising the straightforward buying process, comprehensive coverage , and responsive customer service.

All Clear Travel Insurance: Customer Reviews

As of the time of writing, All Clear Travel Insurance has a rating of 4.8 out of 5 from over 5,000 reviews on Trustpilot.

Many reviewers commend All Clear for its excellent customer service, simple process, and the peace of mind it offers, particularly for travelers with pre-existing medical conditions.

However, it’s important to remember that everyone’s experience is unique. What works for one traveler might not be the best fit for another, so it’s crucial to thoroughly assess your needs before choosing an insurance provider.

All Clear Travel Insurance vs. Other Providers

While All Clear shines in providing comprehensive coverage for travelers with pre-existing medical conditions, how does it stack up against other providers?

When compared to standard travel insurance policies, All Clear tends to be more expensive. However, considering the extensive medical coverage they provide, many travelers deem the extra cost worthwhile for the added peace of mind.

If you don’t have any pre-existing medical conditions, a standard travel insurance policy might suffice for your needs. But if you do, All Clear’s expertise in this area makes it a strong contender to consider.

This guide aims to provide a comprehensive understanding of All Clear Travel Insurance. Remember, it’s vital to read all policy documents carefully and ensure you understand the terms before committing to any insurance policy. Happy traveling!

FAQs about All Clear Travel Insurance

• Does All Clear cover COVID-19 related claims ? Yes, All Clear provides coverage for certain claims related to COVID-19. It’s crucial to check the latest policy details to understand the extent of this coverage.
• Can I get an All Clear policy if I have a pre-existing medical condition? Absolutely, All Clear specializes in providing coverage for a wide range of pre-existing medical conditions.
• What should I do if I need to make a claim with All Clear? If you need to make a claim, you should contact All Clear’s claims department as soon as possible and provide all necessary supporting documentation.
• Can I get coverage from All Clear if I’m traveling to multiple countries? Yes, All Clear offers travel insurance for single and multiple destinations. Remember to list all the countries you plan to visit when applying for your policy.

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Founders of travel insurance firm All Clear set for windfall

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The founders of an insurer that sells travel cover to over-55s are set to earn a fortune from the impending £30 million sale of their company.

Former insurance brokers Mike Rutherford and Chris Wacey founded AllClear Insurance Services in 2001 and own a majority of the shares.

The company operates in the UK, Ireland and Australia but insiders said that its new owner, the buyout firm Synova, may look to expand into other countries, according to the Sunday Times.

The company, based in Romford, Essex, specialises in providing affordable insurance to travellers who are over 55 and have serious medical conditions.

Last year it made a pre-tax profit of £286,000 after turnover rose by one third to £12.9 million.

The sale comes at a turbulent time in over-50s travel insurance, after Saga issued a profit warning in December for last year and the current year.

Rutherford and Wacey, both 69, are to remain as non-executive directors at AllClear after the takeover. They are expected to retain a small stake in the company.

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The highest official awards for UK businesses since being established by royal warrant in 1965. Read more .

AllClear Travel Insurance "Shakespeare"

Methinks this is a bit of a laugh

While we were filming the new AllClear campaign, our talented actors decided to improvise a little – so here is the Shakespearean version of the ad – happily the clients thought it funny too and have released it onto social media Client -   AllClear Travel Insurance URL -   allcleartravel.co.uk

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