Comprehensive Travel Insurance gives you the best range and level of cover, even if you have a medical condition. Leaving you free to enjoy your holiday.
What is Comprehensive Travel Insurance – and do you need it?
Holidays should be about making memories and relaxing. We offer unparalleled peace of mind with our fully Comprehensive Travel Insurance. These are policies that cover you for a whole range of issues you could face on holiday, from emergency medical expenses to stolen baggage and travel delays.
If you go away without Travel Insurance, or buy a basic policy that doesn’t cover everything you need. You could be facing high costs from your own pocket:
- The FCDO estimates the cost of hospital treatment for a stomach bug or infection in the US. As well as repatriation to the UK. At more than £150,000
- Surgery and repatriation from Greece following a quad bike accident could cost more than £80,000
- And prices are rising, according to ABTA. The cost of an air ambulance from outside of Europe back to the UK has more than doubled since 2019
As the UK’s most trusted Travel Insurance Provider², we think everyone deserves to travel with confidence. We are experts in offering the most Comprehensive Travel Insurance that caters to your specific needs:
- No upper age limit
- Cover for more than 1,300 medical conditions
- 99%+ of customers offered cover³
We offer a range of levels of Comprehensive Travel Insurance: Gold, Gold Plus, and Platinum. Get up to unlimited cover for medical expenses and up to £25K cancellation cover. We’ve insured over 3.5 million travellers.
What is the difference between basic and Comprehensive Travel Insurance?
Most Travel Insurance providers will offer both basic and fully Comprehensive Travel Insurance policies. Travel Insurance that’s comprehensive includes more cover at higher levels than a basic policy.
Our Comprehensive Travel Insurance offers our best cover for emergency medical costs and cancellations. Plus, you’ll get help when you need it most, with our experienced team available 24/7.
The best Comprehensive Travel Insurance policies should cover you for any medical conditions you may have. As long as you declare them during medical screening. Basic policies may exclude costs linked to your conditions.
Get your quote online or phone our team.
Read the Policy Wording to understand what is and isn’t included.
What does AllClear’s Comprehensive Travel Insurance cover?
If you’re looking for the best Comprehensive Travel Insurance. It’s important to choose a policy that includes everything you need:
What’s covered?
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- Medical cover: AllClear policies include emergency medical cover, including costs for existing conditions. This includes prescription medication, medical emergencies and medical equipment
- Cancellation and cutting your trip short: Cover for your flight and accommodation costs if you unexpectedly have to cancel for reasons outside your control. We’ll also cover you if you need to return home early following an emergency
- Your baggage: Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy
- Travel delays and missed departures: We’ll compensate you for the time if your flight is delayed. If you miss your flight due to reasons outside of your control. You’ll also be covered for accommodation and transport costs
- Personal liability: Cover for your legal expenses and any liability due if you accidentally injure someone. You also have cover if you damage their property while you’re away on holiday
- All ages: We believe Travel Insurance should be available to as many people as possible. That’s why our Travel Insurance has no upper age limit
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What’s not covered?
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- Deciding not to travel: We do not provide any cover if you can travel but choose not to
- Other regions: We won’t cover you if you travel outside your chosen region. Although you can contact us to upgrade your policy at any time
- Claims below the value of excess: You’re not covered for claims that fall below the value of the excess stated in your policy
- Medical conditions you fail to declare: You need to provide us with an accurate medical history when you buy Travel Insurance, so we can give you the right cover. This is especially vital for senior travellers and those with long-term conditions
- Activities: Always check that any activities you plan are included by reading the Policy Wording. We offer a range of optional extra cover if needed. We do not cover winter sports for anyone over 65
- Going away against official advice: You will not be covered if you travel against medical or government advice. You also won’t be covered if you’re going away for medical treatment
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For full details of what is and is not covered, please check your Policy Wording.
We tailor all our travel policies to you with three different policy levels: Gold, Gold Plus, and Platinum.
SWIPE TO COMPARE POLICIES
Gold |
Gold Plus |
Platinum |
|
| Emergency medical expenses and Repatriation costs | Up to £10m | Up to £15m | Unlimited |
| Cancellation* and cutting your trip short | Up to £2k | Up to £15k | Up to £25k |
| Travel Delay | Up to £300 | Up to £1,500 | Up to £1,500 |
| Personal Belongings | Up to £2k | Up to £2.5k | Up to £5k |
| Personal liability | Up to £2m | Up to £2m | Up to £2m |
| Legal protection cover | Up to £50k | Up to £50k | Up to £100k |
* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.
AllClear’s Comprehensive Medical Travel Insurance for pre-existing conditions
If you have a medical condition, you might find it hard to get Comprehensive Medical Travel Insurance. As a specialist Medical Travel Insurance provider, we cover more than 1,300 conditions, including those with a terminal prognosis. 99%+ of our customers are offered cover⁴ and 99%+ of all claims are paid within 5 working days⁵.
You can travel with confidence, knowing you’ll be covered for unexpected medical emergencies. Even in countries such as the USA, where medical care can be expensive.
You must disclose to us if you or anyone else insured on the policy has:
- In the last two years, taken any prescribed medication or received medical treatment or advice at a hospital, clinic, GP surgery or via remote consultation;
- Received or been offered palliative care;
- Been placed on a waiting list that could cause you to cancel or curtail your trip;
- Been advised of a terminal illness.
You must declare any conditions during our medical screening process. Otherwise, you will not be covered for claims linked to your conditions. We will ask you some simple questions, and then you will receive your quote.
Conditions we can cover include:
For full details of our Comprehensive Medical Travel Insurance, including any exclusions. Always read the Policy Wording.
Find the best Comprehensive Travel Insurance for your trip
We know every holiday is different. We have plenty of options for fully Comprehensive Travel Insurance and add on cover:
- Single Trip Comprehensive Travel Insurance: Your best pick if you’re only going away once this year
- Annual Comprehensive Travel Insurance: Pick from worldwide cover. Including or excluding trips to the USA, Mexico, Canada and the Caribbean
- Over 70s Travel Insurance: Everyone should be able to go away with peace of mind. Whether you’re in your 70s, 80s or even 90s
- Cruise cover: From cabin confinement to missing excursions due to sickness, cruise goers can face unique problems. Take a look at our cruise cover
- Group and family Comprehensive Travel Insurance: Going away with friends or family? Protect everyone’s holiday on one policy
- Golf cover: From protecting your clubs to hole-in-one cover. Get cover for the issues you might face on a golfing holiday
- Gadget cover: Protect your most valuable items when you go away. This additional cover can include phones, laptops, cameras and more
Find out more about these options and any exclusions in our Policy Wording.
How our Comprehensive Travel Insurance works: A simple 3 step quote process
It’s quick and easy to get fully Comprehensive Travel Insurance:
- Tell us a little about your trip
Do this online or phone our team. Whichever is easiest for you.
2. Tell us about any pre-existing medical conditions you have
Complete our simple medical screening process and tell us about any conditions.
3. Get your quote
Buy your Comprehensive Travel Insurance policy right away or save it for later.
Always read our Policy Wording before buying insurance.
“The best Comprehensive Travel Insurance means anyone can travel with confidence. At AllClear, we have no upper age limit. Plus, we cover more than 1,300 pre-existing medical conditions. We offer up to unlimited cover for medical expenses and repatriation, along with the option to add up to £25k cancellation cover. Get a policy that gives you peace of mind on your next holiday.”
Letitia Smith – Head of Communications.
What our Customers Say
97% of our customers would recommend us to family and friends⁶. Find out what they have to say on Trustpilot:
Excellent customer service
“I was put through to a fantastic lady (Janine) who was patient in providing me with a comprehensive quote (I have quite a few medical issues to include). She was very thorough and explained everything clearly, going through all options and costs without any pressure for me to buy. I feel confident that we have bought a policy that covers all our needs and know that if anything else arises, it will be dealt with in a professional and courteous manner as I’ve just experienced as part of their customer service“.
Frequently Asked Questions on Comprehensive Travel Insurance
How much is Comprehensive Travel Insurance?
The price of fully Comprehensive Travel Insurance will depend on:
- Your age
- Any medical conditions
- Where you’re going
- How long you’re going for
- Whether you want to insure anyone else on the same policy
- Whether you want to buy any additional cover. Such as golf or cruise protection
We tailor your policy to you and your needs. So you can travel with confidence, knowing you’re covered. Get your quote online or phone our team.
Is it worth getting Comprehensive Travel Insurance?
The best Comprehensive Travel Insurance means you go away with peace of mind. Leaving you to enjoy your holiday and relax. You’ll know that you’re covered if:
- You are injured or become ill
- You have to cancel for unexpected reasons outside your control⁷
- Your belongings are lost, stolen or damaged
- Your flights are delayed, or you miss them for reasons outside your control
As Medical Travel Insurance specialists, we cover more than 1300 conditions. And we don’t have an upper age limit. In fact, we’re the UK’s most trusted Travel Insurance Provider⁸.
Always read the full Policy Wording to understand what is and isn’t included.
When should you buy Travel Insurance?
We recommend buying Travel Insurance as soon as you can. Comprehensive Travel Insurance doesn’t just protect you while you’re away. It can help if you have to cancel for unexpected reasons outside your control. For instance, if you become ill or are called up for jury duty.
Read our Policy Wording to understand what Cancellation protection covers.
Which destinations are covered with Comprehensive Travel Insurance?
At AllClear, we can cover all destinations as long as there isn’t a government warning against travelling there.
If you’re looking for Single Trip Comprehensive Travel Insurance:
Let us know where you’re going and when your trip will start and end. This could include multiple countries. However, you will need to phone our team for a quote if you’re going to more than 10.
For Annual Multi-Trip Comprehensive Travel Insurance, choose from:
- Region 1 – Covers trips to, from, and within the United Kingdom
- Region 2 – Covers trips to Europe, west of the Ural Mountains, including the Republic of Ireland and all countries bordering the Mediterranean Sea, as well as Madeira and the Azores. This region excludes countries mentioned in region 3
- Region 3 – Covers trips to regions 1, 2 and Spain (including the Balearic Islands), The Canaries, Turkey, Cyprus and Malta
- Region 9 – Covers trips to anywhere in the world except the USA, Mexico, Canada and the Caribbean
- Region 10 – Covers trips to anywhere in the world, including the USA, Mexico, Canada and the Caribbean
Read our Policy Wording for more details about destinations and cover.
Get the most out of your trips with our helpful guides
Where are you visiting?
Explore our helpful guides for tips on ensuring you remember everything you need when travelling to one of the destinations below.
Which activities do you have planned?
Whether you’re planning a skiing holiday or setting sail on a cruise, remember to add extra coverage to your policy for a worry-free trip.
