
Product Rating
Experience Rating
With worldwide pandemics an the increasing possibility , choosing the right Travel Insurance have never been more essential. The wrong choice now could have disastrous repercussions if you have to claim whilst abroad.
Once you have read this review of All Clear and compared polices using our unique search facility, you will have all the information you need to make an informed choice.
GET A QUOTE FROM ALLCLEAR TRAVEL INSURANCE
AllClear Travel is the trading name of AllClear Insurance Services Ltd, based in Romford in Essex. They are registered as an insurance intermediary and authorised by the FCA.
AllClear specialise in travel insurance for those with medical conditions and they have helped over 1 million people find cover. 97% of customers rate them as great or excellent and they have managed to find a suitable policy for 99% of customers.
All Clears motto is "Any Condition, Any Age, Any Destination" The various insurers cover over 1300 different medical conditions between them and there is no upper age limit. For more information on AllClear Insurance Click Here.
We have carried out a review on Allclear's own travel insurance policies, which you can read about below. However in addition to their own products, they compare several trusted travel insurance providers to make sure they find you the best deal.
Allclear have three holiday insurance policies Traveller, Gold and Gold Plus. The Gold and Gold Plus policies have no age limit and you can take out a policy for up to twelve months.
Click on the website link to go directly to the insurance providers website. Visit All Clear's Website and Get a Quotation direct
Click on the white bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by All Clear.
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.
That's Insurance have spent some time mystery shopping on all-clear-travel-insurance-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.
Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.
Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.
Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.
The scores have been calculated as an overall percentage and shown on the three gauges. You can see how All Clear compares to the industry average. The higher the percentage the better the company performs in each area.
(layout, readability, terminology)
Awaiting user friendly score
(layout, navigation, access to information)
Awaiting user friendly score
(clear quotes, buying process, customer service)
Awaiting user friendly score
We've highlighted Pro's and Cons for All Clear, click on the white bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by All Clear.
We've listed below cover levels for policies offered by offered by To scroll through all policies, click on the arrows on the left and right of policy name section.
Listed below are some Sample Quotes offered by All Clear
Top Picks
Insurance Provider
Excess
Primary Cover
Guide Price
Single Trip
Europe
Individual
Age: 18 - 29
Trip Days: 14
250
Medical Expenses 10,000,000
Cancellation 2,000
Missed Departure 750
Delayed Departure 100
Baggage 2,000
Personal Accident 25,000
Personal Liability 2,000,000
Legal Expenses 25,000
Single Trip
Europe
Couple
Age: 65 - 70
Trip Days: 7
75
Medical Expenses 15,000,000
Cancellation 5,000
Missed Departure 750
Delayed Departure 100
Baggage 2,500
Personal Accident 25,000
Personal Liability 2,000,000
Legal Expenses 25,000
Annual
Europe
Family
Age: 50 - 59
Trip Days: 365
250
Medical Expenses 10,000,000
Cancellation 2,000
Missed Departure 750
Delayed Departure 100
Baggage 2,000
Personal Accident 25,000
Personal Liability 2,000,000
Legal Expenses 25,000
Annual
Worldwide (Excluding USA & Canada)
Couple
Age: 18 - 29
Trip Days: 365
250
Medical Expenses 10,000,000
Cancellation 2,000
Missed Departure 750
Delayed Departure 100
Baggage 2,000
Personal Accident 25,000
Personal Liability 2,000,000
Legal Expenses 25,000