Finding the right travel insurance cover when you have medical issues to cater for isn’t an easy task. AllClear is a platform where you can get quotes and compare specialist policies. It offers travel insurance for any age, and a range of conditions and destinations so you can enjoy your holiday worry-free.
We’ve analysed AllClear’s travel insurance policies to help you decide if it offers what you need.
Who is AllClear?
AllClear Travel is a UK-based insurance provider specialising in medical cover. The company was first established in 2000 and offers travel insurance for customers with pre-existing conditions.
Who underwrites AllClear Insurance?
AllClear Travel insurance policies are underwritten by Mapfre Asistencia, a Spanish insurance company based in Madrid.
What are my cover options with AllClear?
At AllClear you have a choice between two policy types: single-trip travel insurance and annual multi-trip travel insurance.
This is the perfect pick if you’re intending on enjoying a longer trip. It’ll also work out much cheaper in the event that you’re going away as a one-off. It allows you to buy the cover you need, when you need it.
If you have holidays booked for two or more times in any 12-month period (lucky you!) then it is likely that an annual travel policy will be cheaper. With this type of policy, you can jet off as often as you like within the one-year period, provided your stay does not exceed the agreed duration (usually 31 or 45 days).
What is covered under my policy?
Cover Type
Medical expenses
Cancellation and curtailment cover
Cover for personal belongings
Conditions
Single trip travel insurance
Up to £20,000,000
Up to £5,000
Up to £3,000
Any age, any medical condition, any destination
Annual multi-trip travel insurance
Up to £20,000,000
Up to £5,000
Up to £3,000
Any age, any medical condition, any destination
You’ll also enjoy these benefits:
Access to a 24-hour emergency medical assistance service
Treatment for unexpected necessary medical treatment for any declared pre-existing conditions on your policy
Cover for both mild and severe medical conditions
Optional extras
If you’re looking for some added protection to your travel insurance policy, AllClear does offer a wide range of optional extras, including:
Cancellation cover
Excess cover
Golf cover
Travel disruption
Winter sports
Waiting list cover
Extended stay cover
Travel companion cover
What is my excess?
Excess is the agreed amount that you’ll have to pay in the event of a claim before AllClear’s policy pays out.
The amount of excess payable varies depending on your insurance policy.
What is the claims process for AllClear?
If you need emergency medical care whilst you’re away, contact the medical emergency assistance company as soon as possible (but not before contacting the local emergency services). You’ll find the details of who you need to contact within your policy documents.
To process non-emergency claims, you’ll need to contact the claims-handling company appointed by your provider. If you have opted to go with AllClear then you can use the Reactive Claims website (found within AllClear’s “Make a claim” webpage) to register your claim.
Pros and cons
Pros
No age restrictions
24/7 emergency assistance available with all providers
Over 1,300 conditions covered
Wide range of optional extras to increase protection in certain areas
Cons
AllClear is a platform that allows you to compare quotes from different providers, which means that benefits, restrictions and claim processes may vary depending on the quote you pick
Whilst the quotes you’ll find on AllClear are competitive, you won’t necessarily get the best price possible for your policy
Our verdict
Having a travel insurance platform geared towards specialist medical policies could save you a lot of leg work in the first instance. What’s more, you won’t need to stress about being too old as AllClear has no age limit to its policies.
However, don’t rule out shopping around with other insurers as you may find a more competitive quote elsewhere.
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Millie Spark was a writer for Finder and covered a range of subjects including how to get the best deal on everyday shopping, and insurance. See full bio
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