All Clear Travel Insurance Review

Allclear travel insurance classes Children as those under the age of 18.

Allclear Insurance policies have No Age Limit for Annual Multi Trip and Single trip Gold and Gold Plus Policies

The maximum age limit for the single trip Traveller policy is 85 and the maximum age for the annual multi-trip policy is 75.

Trip duration for all Allclear Single Trip Policies is 12 months. However in respect of the Traveller policy the trip duration is restricted to 92 days all regions except worldwide which is 62 days, for anyone up to the age of 75. For travellers aged 76 - 85 the trip duration is limited to 24 days.

Trip Duration for Annual Multi Trip Policies on any one trip is up to 31 days in respect of the Traveller policy and 45 days for the Gold and Gold Plus policies.

You can add Winter Sports to your Single Trip Policy for the duration of your trip with the payment of an additional premium. Winter Sports can be added to your Annual Multi Trip Policy for a Maximum of 17 days. The age limits are up to 75 (Traveller policy) and up to 65 (gold and gold plus policies).

The All clear policy covers 12 different winter sport activities, although this includes off piste skiing or snowboarding, provided you are accompanied by an experienced instructor or guide.

You should read the policy wording carefully as many of the activities include terms and conditions, which you must adhere to.

Policies can be for single persons, couples who have been living together for up to six months, families and groups of up to ten travellers.

Family means up to 2 adults with up to five children (under the age of 18)

EHIC Not Mandatory but strongly advised if travelling within the EU.  You must enrol in Medicare if travelling to Australasia.

Check the policy schedule, page 32 lists over 60 activities that are covered, together with conditions that apply to cover, e.g excludes Personal Liability and Personal Accident. Conditions are numbered so you will need to check back to find the relevant exclusions.   

It is important that you check the list of activities before purchasing your travel insurance to ensure you are covered.  If you are unsure, it’s a good tip to gain approval in writing from your insurance provider.

Policy states “We do not expect you to avoid alcohol consumption on your trips or holidays but we will not cover any claims arising because you have drunk so much alcohol that your judgement is seriously affected and you need to make a claim as a result (e.g. any medical claim where in the opinion of the treating doctor, your excessive alcohol consumption has caused or actively contributed to your injury or illness).”

End Supplier Failure is included in the gold and gold plus policy to the value of £5000. It covers you in the event that any supplier booked prior to departure while you at home, this includes, accommodation, travel agents, booking agents, fails (goes bust). This is to allow for reasonable costs to carry on your trip to the standard that you paid for, or if unavoidable, to return home.

Not included under the Traveller Policy.

Quotes for people with medical conditions can be given online, you are asked to go through a set of questions in relation to your condition and quotes are provided at the end of this.

Any pre-existing medical condition that has not been declared and accepted in writing by the insurer will not be covered.

You must ensure that you have all the appropriate vaccinations that are required for the country/countries that you intend to visit. Read our guide on taking medication abroad.

Cover under this policy is provided for you if something unexpected happens. Cover is provided under sections 2, Curtailment and 6, Medical emergency expenses, for unforeseen bodily injury or illness. Childbirth is not considered to be either unforeseen, or an illness or injury.

There are exceptions: - There is no cover if at the start of your trip, during your trip or on your return date, you are more than 32 weeks pregnant for a single pregnancy, or more than 24 weeks for a multiple pregnancy.

For those under 32 weeks for a single pregnancy or under 24 weeks for a multiple pregnancy, cover is automatically provided under sections 2, Curtailment and 6, Medical emergency expenses, for claims arising from complications of pregnancy and childbirth, which existed at the time of taking out this policy or developed at a later stage, provided your doctor and midwife are aware of your travel plans and that you are not travelling against medical advice.

Please make sure you read the definition of complications of pregnancy and childbirth given under the Definitions.

Listed under activities - Manual Labour is excluded. This is defined as work that is physical, including, but not limited to construction, installation, assembly and building work, work that involves putting together, maintaining, repairing or using heavy electrical, mechanical or hydraulic machinery. This does not include bar and restaurant staff, musicians and singers and fruit pickers (who do not use machinery)

If your plan is for specific work, it is always best to contact the insurance provider and obtain written acceptance that your planned type of work is allowed under the policy.

If claiming for your goods that were stolen or lost you should produce proof of purchase of the original goods (receipts, credit card or bank statements), as failure to do so may affect the assessment of the claim.

It would be sensible to keep receipts of any new clothes/property purchased for your holiday. If in doubt as to whether you have cover for a specific item, please contact the Insurance Provider for clarification prior to taking out insurance.

Claims relating to cyber events are excluded. any claim that happens as a result of war, invasion, revolution, rebellion, act of foreign enemy or any similar event (except for any which the public did not know about at the time of purchase of this insurance and/or prior to the booking of any individual trip). Please note that this exclusion does not apply to section 6 ? Medical expenses;

Not Covered under any policy.

You and all other insured persons must be a resident of the United Kingdom, or Republic of Ireland and have not spent more than six months abroad in the year before buying this policy.