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Home » Travel insurance » Mental health travel insurance

Mental health travel insurance

Mental health travel insurance covers you if you are living with any mental health related conditions and wish to travel with peace of mind. This type of insurance covers you for medical emergencies, even those related to COVID-19, which is vital to prevent unexpected medical bills and give you the support you need if you have any medical problems while you are away.

As a specialist mental health travel insurance provider, we understand the special needs you may require when travelling abroad.

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.

Frequently asked questions

Do you need to declare your mental illness? What if your mental illness condition is undiagnosed?

Yes. If you do not fully declare all your mental health conditions, then any claim you make that arises from that condition may not be covered.

If you have an undiagnosed condition you’ll need to wait until your GP has provided you with a diagnosis (Source: NHS). Once you have a diagnosis, you’ll be able to run through our quote process.

What mental health conditions do you cover?

We know that mental illness spans a very broad number of conditions and we’re able to offer specialist mental health travel insurance cover for any mental illness you may have. You may wish to visit our travel insurance for those with anxiety page for further information on these conditions.

What happens if your medical situation changes after you get your insurance?

Please let us know at the earliest opportunity –  but before you book or start your holiday, or pay the balance for any further amounts towards your trip. To change your original medical declaration please call our Customer Care Team on 01708 339029 and they will be happy to make the adjustments. You should note that in some instances an additional premium may be applied to your policy to keep your cover in place.

How is your premium determined?

Your destination, trip duration, age and any pre-existing medical conditions you may have are the main factors used to calculate the cost of your premium. Our AllClear policies for travel insurance for mental health patients are continually reviewed and analysed to ensure that the premiums we offer are fair and accurate.

Annual multi-trip or single trip?

An annual multi-trip policy allows you to travel multiple times within a year. The maximum duration of these trips varies between policies. However, it is usually between 31 to 45 days.

If you need a longer trip duration or, if you only plan on travelling once in the year, then a single trip travel insurance policy may be right for you.

What will affect the price of your policy?

We calculate the premiums you’re displayed using multiple factors. These include age, trip duration, destination and pre-existing medical conditions.

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.