We cover a whole range of activities with no additional cost (check your policy booklet), but you can also add on specific Golf and Winter Sports cover for an additional cost.

Single trip travel insurance is a policy that covers you for a one-off trip on selected dates. It has the great benefit of allowing you to travel for longer: up to 92 days online.

If you’re planning on getting away a few times in the next 12 months, buying an annual multi-trip policy can be cheaper. Also, annual cover gives you the freedom to travel as many times as you like throughout the year! The maximum trip duration does change between annual multi-trip policies, and you can view them here: Maximum trip durations. As an example, you can travel up to 45 days per trip on AllClear Gold and Gold Plus annual multi-trip cover – however old you are. And you can even pay a little bit more to get an extension for up to 55 days!

We’re pleased to say you can include Waiting list cover on AllClear Gold and Gold Plus policies.

To be covered for natural disasters, such as a hurricane or earthquake, you can add our Optional Extra of Travel Disruption.

For AllClear Gold and Gold Plus annual multi-trip policies, you can take any number of trips during the year. Rather than needing to tell us exactly where you’ll be, you only need to select your preferred region of the cover.
However, there may be restrictions on how many times you can travel in 12 months for other providers on our quote panel. You can also check out the maximum trip duration for each holiday per provider here.

A number of factors are taken into consideration when calculating premiums. These include: The destination to which you are traveling (for example, Spain, the United States, and Canada are among the more expensive countries in which to receive medical treatment); the duration of your trip; the type and severity of your medical conditions and your age and the level of benefits being offered to you.

Also, quote premiums vary by the provider because they can offer different levels of cover, excesses, and upgrades.

You don’t need to provide us with a certificate from your doctor, but you will need to confirm you’re fit to travel at the time of getting a quote or purchasing a policy. If you need to make a claim, you may require a letter from your doctor confirming that you were fit to travel at the time you bought your policy, and the date when you were declared unfit to travel.

If you have bought an over 75’s travel policy and you need to amend a detail of your declared medical conditions then simply get in touch at the earliest possible opportunity and we will update your details.
It’s important to let us know any changes before you travel to ensure your policy is the most up to date and you’re still covered.

It’s quite simple.

→ Single trip travel insurance: Covers you for a one-off trip on selected dates only. You can travel up to 92 days.
→ Annual multi-trip travel insurance: Allows you unlimited travel throughout the entire year! This is perfect if you’re planning on getting away a few times in the next 12 months because it’s cheaper than buying several single trip travel insurance policies.

The maximum trip duration does change between annual multi-trip policies, however, and you can view these durations here: Maximum trip durations.

As an example, you can travel up to 45 days per trip for unlimited trips with the AllClear Gold and Gold Plus annual multi-trip cover.  And if needed, you can easily extend this with additional days for only a small premium.

If you already have a European Health Insurance Card (EHIC) – great!

But, remember!  This only gives you access to the default state healthcare system within a given country. The EHIC does not replace travel insurance. For example, it won’t cover you for:

• Needing to cancel the holiday before you go
• Medical transport (repatriation) to get back home

Having a comprehensive travel insurance policy is even more critical if you’re travelling outside of Europe.

No, there are not.  Winter Sports is available as an Optional Extra up to the age of 76 on AllClear Gold and Gold Plus policies!

What’s more, we have a diverse list of Optional Extras available to further boost your cover, such as:

• Travelling Companion
• Waiting List
• Travel Disruption
• Golf cover

Most travel insurance policies are optional, but if you recently have or had a medical condition such as diabetes, high blood pressure or stroke, buying medical travel insurance might be a pre-requisite to your travel.

We are an experienced medical travel insurance provider. Many of our customers have pre-existing medical conditions. For most medical conditions we can provide full cover, including cancer, heart disease, and diabetes.