All Clear Travel Insurance Review

All Clear Travel Insurance Review

All Clear Travel Insurance Review

Reviewed by:

I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of All Clear plus compare prices and cover on the same site.

And you'd be right! Because that's exactly what we found.

Once you have read this review and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are All Clear and who underwrites their policies?

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.

All Clear Travel Insurance Policies are Underwritten By MAPFRE Insurance

How All Clear Travel Insurance's Policies have been ranked using our star rating formula?

Click on the blue bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by All Clear.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from All Clear Travel Insurance, they are Gold Plus, Gold, Traveller, we have rated these as follows:-

Rating for Single Trip Gold Plus:

Rating for Single Trip Gold:

Rating for Single Trip Traveller:

Single Trip Travel Insurance Guide here
All Clear Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
All Clear Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 2 Annual Policies from All Clear Travel Insurance, they are Gold, Gold Plus, we have rated these as follows:-

Rating for Annual Gold:

Rating for Annual Gold Plus:

Annual Travel Insurance Guide here
All Clear Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

All Clear Travel Insurance Review
  • Five star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Cancellation cover is above the level of the market average
  • Other Core Sections of cover are either at or above the levels of the market average.
  • Secondary sections of cover are either at or above the levels of the market average.
  • Five star policies provide additional cover benefits over and above standard policies.
  • Five star policies include scheduled airline and/or end supplier failure as standard.
  • Five star policies include natural catastrophe cover, either as standard, or as an option.
  • Premiums are the most competitive in relation to the cover provided.
  • Have clear and consumer friendly, policy wording and explanations of cover.
  • The alcohol exclusion is more customer friendly than the market average.
  • The standard excess is below the level of the market average.

  • Four star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Four star policies have cancellation cover at or above the market average.
  • Four star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four star policies may provide additional cover benefits.
  • Four star policies may not automatically include cover for scheduled airline or end supplier failure.
  • Premiums are competitive in relation to the cover provided.
  • Have clear and consumer friendly policy wording and explanations of cover.

  • Three star policies cover all Primary (core) Sections, but may not offer baggage and money cover as standard.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies may have some secondary covers lower than the market average.
  • Three star policies may not provide scheduled airline/end supplier failure cover, or only offer it as an option.
  • The Insurer, may not provide quotations across the full range of scenarios tested.
  • The standard excess may be higher than the market average.

  • Two star policies generally provide cover that is below the market average and/or have Primary (core) and Secondary sections of cover missing from their policies.
  • Two star policies may not offer baggage/money cover.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess is higher than the market average.
  • The Insurer may not provide quotation across the full range of scenarios tested
  • Policy wordings may not be as consumer friendly as other Insurers

16 Key Points you need to know about All Clear's travel policy wording

1

What is the age/classification of a child on the policy?

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

2

What are the policy age limits?

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.

3

What are the policy Trip Duration limits?

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.

4

What does the policy offer for Winter Sports cover?

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.

5

What is classed as a family and how many people can be quoted for?

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)

6

What are the policy rules on reciprocal health agreements (EHIC, Medicare)?

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

7

What is covered under Sports and Activities on the policy?

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.

8

What are the policy Alcohol Exclusion terms?

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).”

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

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.

10

Does the policy cover Pre-Existing Medical Conditions and can I get a quote online?

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.

11

What are the policy rules on travelling when pregnant?

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.

12

Will I be covered if I want to do Manual Work or Bar Work or other work while I am on holiday?

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.

13

Do I need original receipts for lost baggage if I need to claim on 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.

14

What does the policy cover in the event of war, terrorism or cyber attack?

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;

15

Does the policy cover for a natural disaster or catastrophe when I am on holiday?

Not Covered under any policy.

16

Do I have to be a UK resident to be covered under this 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.

All Clear's 'User Friendly' Rating

That's Insurance have reviewed All Clear's Policy Wording, Website and Quote System and given each a 'User Friendly' rating. This will tell you how easy it is for you, to read, navigate and purchase policies on their website. We've split this into three gauges which show where All Clear rates compared to the average Insurance Provider on our site. The higher the percentage, the easier you should find it to navigate each of these areas.

Policy

(plain english, easy to follow & understand)

Policy Guage Score Loading

Website

(user friendly, easy to navigate and find help)

Website Guage Score Loading

Quote System

(speed, ease of use, flow and display of cover)

Quotes Guage Score Loading

Pro's and Con's for All Clear Travel Policies

We've highlighted Pro's anc Cons for All Clear, click on the blue bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by All Clear.

  • No age limit for single trip and annual travel Gold and Gold Plus policies
  • Most medical conditions catered for and can be underwritten online, during the quotation process
  • High standard excess of £250 (Gold cover)

What Cover do All Clear policies offer.

We've listed below cover levels for policies offered by offered by All Clear To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Gold Plus

    Single Trip

    Gold

    Single Trip

    Traveller

    Single Trip

    Gold

    Annual

    Gold Plus

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    75

    250

    75

    250

    75

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    15,000,000

    10,000,000

    10,000,000

    10,000,000

    15,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    5,000

    2,000

    3,000

    2,000

    5,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    25,000

    25,000

    25,000

    25,000

    25,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,500

    2,000

    1,000

    2,000

    2,500

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    200

    200

    200

    200

    200

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    250

    250

    200

    250

    250

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    400

    400

    400

    400

    400

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    25,000

    25,000

    25,000

    25,000

    25,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,000

    1,000

    400

    1,000

    1,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    350

    350

    350

    350

    350

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    100

    100

    100

    100

    100

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    100

    100

    100

    100

    100

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    750

    750

    1,000

    750

    750

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    500

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    5,000

    5,000

    0

    5,000

    5,000

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    500

    0

    0

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    Y

    N

    N

Sample Quotes from All Clear.

Listed below are some Sample Quotes offered by All Clear (or click 'Compare Now' button to compare their quotes with every insurance provider).

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Europe

Couple

Age: 50 - 59

Trip Days: 21

All Clear Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold Plus

75

Click Heart to Favourite

Compare Now

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

Single Trip

Worldwide (Excluding USA & Canada)

Family

Age: 30 - 39

Trip Days: 14

All Clear Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold Plus

75

Click Heart to Favourite

Compare Now

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

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 50 - 59

Trip Days: 7

All Clear Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

250

Click Heart to Favourite

Compare Now

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

Europe

Couple

Age: 60 - 64

Trip Days: 365

All Clear Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

250

Click Heart to Favourite

Compare Now

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

Family

Age: 18 - 29

Trip Days: 365

All Clear Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold Plus

75

Click Heart to Favourite

Compare Now

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

Worldwide (Excluding USA & Canada)

Individual

Age: 50 - 59

Trip Days: 365

All Clear Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

250

Click Heart to Favourite

Compare Now

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

How to Buy Travel Insurance from All Clear

Click on the website link to go directly to the insurance providers website, alternately click the button to compare all policies now from all providers.

Current Discount Codes for All Clear - No Current Discount Codes

Visit All Clear's Website and Get a Quotation direct

Customer Reviews of All Clear

No Customer Reviews Found

We hope that you have found this All Clear Travel Insurance Review helpful. If you have experience of All Clear, please do leave a Customer Review, these ratings are searchable and will help others make an informed choice.

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