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Home » Travel insurance » Travel health insurance

 Travel health insurance

Many people tend to find purchasing travel health insurance for their medical conditions a struggle.

Often people are faced with sky-high quotes or are refused a quote completely because of their health. This can be disheartening and tiring when you’re trying to plan the trip of a lifetime.

People can end up being left with a choice of paying a hefty premium or travelling with no insurance at all which can end up ruining that trip of a lifetime as they waste it worrying about falling ill abroad and the implications it could have on loved ones.

Why choose AllClear for your travel health insurance?

We at AllClear know the importance of health travel insurance and getting the best policy to suit you, covering your specific medical needs should a claim need to be made.

It’s not nice to think about things taking a turn for the worst when you’re on holiday, but being prepared can cut the risk of paying thousands if you do need medical attention, if your trip is cancelled, or if you need to return home.

In 2014 we provided cover for 875 different health conditions including 12,191 people with high blood pressure, 1,124 people with breast cancer and 930 people with depression.

Simple comparison

Getting a quote through AllClear is simple and can be done through our online medical screening process. With a few clicks, you’ll be shown a range of quotes from our various providers enabling you to compare prices all in one place.

Our easy comparison process can save hours of trawling through different websites and making what can feel like endless phone calls. Our process is all done online unless you’d like to speak to an advisor in which case they’d be happy to help. If your health history is more complicated, we may ask you to call to check everything has been filled in correctly. We also offer both single trip and annual multi-trip cover.

No upper age limit

Our policies have no upper age limit. Whether you’re 18 or 98 years old we can offer you cover. In fact, in 2014 we covered just around 400 travellers in their 90s, so they were able to travel with peace of mind.

Our accolades

AllClear is the British Insurance Broker’s Association’s approved medical travel insurance provider. The British Insurance Broker’s Association (BIBA) is the UK’s voice of the insurance industry and provides professional advice to consumers. They help 400,000 people a year access insurance products such as medical travel insurance provided by us.


What you could be covered for

  • Cancellation cover - having cancellation cover will protect you if you need to cancel your trip due to your medical condition before travel. For some providers, this is a standard part of the policy. However, it could also be an add-on. Make sure you check before you purchase.

  • Baggage - baggage cover isn’t always a standard part of your policy so again, do check before purchasing. This will cover your luggage or personal belongings. Always check policy wording to find out the amount of cover you’ll be entitled to should you need to claim.

  • Curtailment - Curtailment will cover you should you need to curtail your trip (come home early). Reasons may include the death or serious injury of an immediate relative of yours who is a resident in your home country. This can also apply to death or serious injury of a business associate of yours who is a resident in your home country.

  • Winter sports - If you’re planning on skiing or snowboarding while on holiday, you’ll need winter sports cover. This may be an add-on so be sure to double check. Add it to your policy if necessary.

Benefits of AllClear Cover

Gold Gold Plus Platinum
Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Up to £15m
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Extended cover 30 days FREE 30 days FREE 30 days FREE
Friend or relative to travel from your home area to stay with you if you fall ill with Covid-19 Up to £2k Up to £2k Up to £2k
Travel Delay Up to £100 Up to £350 Up to £500
Recuperation stay
Cost of return flight due to COVID-19
Personal Belongings Up to £2k Up to £2.5k Up to £3k
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

Will you be covered if you’re travelling during the COVID-19 pandemic?

There are three things to check so that you can make sure you're covered:

  • You must be fit to travel
  • The FCDO must NOT have advised against travel to your destination - check the FCDO travel advice
  • You must follow the local government advice for your destination, checking and following their guidelines and entry requirements

You can then be covered for emergency medical expenses and cancellation for a positive diagnosis of COVID-19, with AllClear travel insurance with enhanced Coronavirus cover. Existing policyholders should read our Frequently Asked Questions if your trip is affected by Covid-19.

How to find the best policy

When completing the medical screening process, it’s important to fill out your details as accurately and precisely as possible.

You’ll be able to add your entire medical history easily which is extremely important. If you don’t declare a medical condition and need to claim for it while away you won’t be covered. It’s important to ensure you fill out your details to the best of your knowledge.

Simple 3 step quote process

1. Call us or click a quote button on our site

Once you are ready to start the quote process, the first step is to provide your personal details and information about your holiday plans.

2. Complete our simple medical screening process

You then declare the medical conditions for you (and any other travellers) and answer the specifically designed medical questions.

3. Get your quotes

You will then get your quotes and can either proceed to buy, or save your quote, at this stage.

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[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 25,000 reviews as of May 2021.