Travel Insurance

Travel Insurance is a must-have whenever you go abroad, protecting you in case anything goes wrong while you’re away. From emergency medical treatment to lost luggage, cancellation and more, we’ll cover the costs so you’re not left out of pocket.

What is Travel Insurance?

Travel Insurance protects you and anyone else named on your policy if they become unwell or injured while on holiday, as well as for issues with your travel plans and belongings. With AllClear’s Travel Insurance, you’re covered for medical emergencies and repatriation should you need to come home. You’re also protected if your luggage is lost or your flights are delayed or cancelled. Whatever your holiday destination or style, from Caribbean cruises to Alpine ski trips, we can tailor the perfect policy to suit your needs.

Why is Travel Insurance important?

Travel Insurance is important to cover unexpected events when you are away, especially a medical emergency. Why risk worrying about whether a simple accident or a stomach bug could leave you with expensive costs? Events that are out of your control could not only affect your holiday plans, but could end up costing you financially as well. To give you an idea:

Every week around 3,000 Brits need emergency medical treatment when visiting other countries, according to the Association of British Insurers.
The average cost of a hospital trip abroad is £10,000, which 78% of people wouldn’t have the means to pay.

The right Travel Insurance policy means you’re free to plan and enjoy your trip with full peace of mind that you’re covered should any mishaps occur.

What does AllClear’s Travel Insurance cover?

We’re a Specialist Medical Travel Insurance provider, covering more than 1300 medical conditions as standard. Each policy is different, but here’s what we typically cover in every policy we offer.

What’s covered?
- Emergency medical expenses and repatriation costs – This includes the costs of tests, medications and procedures needed to treat an illness or injury while away. You’ll also be covered for repatriation to bring you safely back to the UK. Without Travel Insurance, costs for these kinds of expenses can quickly run into the thousands.
- Cancellation – cover for flight and accommodation costs if an unexpected event means you have to cancel your trip before you go.
- Curtailment – Cover if you need to return home early following an emergency.
- Travel delay – If your flight is delayed, we’ll compensate you for the time.
- Personal belongings – You’ll be covered if your baggage or its contents are lost or stolen.
- Personal liability– Cover for your legal expenses and any liability due if you accidentally injure someone or damage their property while you’re away on holiday.
- Legal protection cover– Provides cover for your legal expenses if you have to claim compensation or damages due to something that happened while you were away on holiday.

What’s not covered?
- Claims below the value of the excess: For most claims you won’t be covered for the Travel Insurance excess (the first part of any claim).
- Trips outside region of cover: Your cover is limited to trips within the designated region of cover you chose, whether that’s UK, Europe or Worldwide..
- Known events or circumstances: Claims related to events or issues that you knew about before buying the Travel Insurance or before booking any individual trip are not covered.
- Medical conditions you don’t declare: You need to declare all of your medical conditions. If not, we won’t be able to cover you for any unexpected treatment connected to known health concerns.
- Choosing not to travel: We know that sometimes plans change, but you’re only covered for cancellation where the reason falls within the policy terms and conditions.

SWIPE TO COMPARE POLICIES

	Gold	Gold Plus	Platinum
Emergency medical expenses and Repatriation costs	Up to £10m	Up to £15m	Unlimited
Cancellation* and Curtailment	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 £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.

How to find the best Travel Insurance for your trip

The best type of Travel Insurance depends on who you are and the type of holiday you’re planning. We’ll work with you to understand what type of Travel Insurance you need, considering each of the following to tailor the best Travel Insurance for you.

Travelling with pre-existing medical conditions?

Securing the right travel insurance is vital, particularly if you’re travelling with a pre-existing medical condition. Travel Insurance provides peace of mind for unexpected medical emergencies, allowing you to explore the world with confidence. It ‘s important to disclose any pre-existing conditions when getting a quote, to ensure policy is valid and can cover potential claims. Medical care abroad can be costly, so travel insurance safeguards you from financial burdens if you need treatment during your trip.

However, not all insurers cover pre-existing medical issues. As a Specialist Medical Travel Insurance provider, we cover more than 1300 medical conditions, so you can travel in confidence that you’re protected from unexpected costs. Here are some examples of conditions we can cover as part of our Travel Insurance policies:

How old are you?

Your age will always alter the cost of your travel insurance, no matter how old you are. We insure people of all ages, including providing tailored Senior Travel Insurance, with no upper age limit for the majority of our policies. Learn more about Travel Insurance for your age group here:

For Winter Sports Travel Insurance, we cannot cover anyone over the age of 65.

How often are you travelling?

Your policy type might change based on how often you’re going to go away this year.

Annual Multi-trip Travel Insurance

Cover for every trip you take over the next 12 months.

Cover for an unlimited number of trips.
365 days of cover.
Flexible cover for wherever you want to travel to, whether that’s the UK, Europe or Worldwide.

Get Annual Multi-trip Travel Insurance >

Single Trip Travel Insurance

Cover for a single trip, whether that’s a weekend break or a month-long getaway.

Cover for a single one-off trip.
Lasts for up to 365 consecutive days of travelling.
Get cover for the specific country you’re visiting, rather than a whole region.

Get Single Trip Travel Insurance >

What activities are you doing?

If you’re doing any specific activities on your holiday, you’ll need the appropriate type of travel insurance to make sure you’re covered.

Winter Sports Travel Insurance

Cover for all winter-based activities, whether that’s skiing or reindeer rides.

Cruise Travel Insurance

Protection against cruise-specific mishaps, like cabin confinement or missed departures.

Golf Travel Insurance

A hole-in-one that covers both you and your clubs.

Who are you travelling with?

If you’re travelling with multiple people, you can get one Travel Insurance policy that covers everyone. Less hassle, easier to manage and only one call to make if something does go wrong.

Group Travel Insurance

Cover between two and ten adults on a single policy. You don’t need to be related, or even live at the same address.

Family Travel Insurance

Cover two adults and up to eight kids in a single policy.

Where are you travelling?

It’s important to make sure you’ve got the right level of cover for the country you’re visiting, as cover requirements can vary across destinations.

USA Travel Insurance

With some of the world’s most expensive healthcare, the right cover is key.

Europe Travel Insurance

Coverage across Europe can be a good idea, whether you’re visiting one or several countries.

UK Travel Insurance

Protect yourself against cancelled accommodation or lost luggage across the UK.

Worldwide Travel Insurance

Heading further afield? Get covered all over the world with our global, worldwide insurance.

How much is Travel Insurance?

At AllClear we work with you to create a tailored policy that perfectly suits your needs. This means that every quote will be different. We’ll take on board the answers to all of the questions above, and will shape your Travel Insurance to cover the right destinations, trip length and activities. Some countries have higher risks of more expensive healthcare than others, and longer trips will usually cost more to cover than shorter travels. Likewise, each individual is different, so we’ll also take on board any pre-existing health conditions.

Travelling with a lot of gear? We can also cover valuable gadgets and kit like golf clubs, skis or snowboards, but again, these will have an impact on the cost of your Travel Insurance.

The best way to find out how much your Travel Insurance will cost is to apply for an online quote or call to speak to our expert team.

Why choose AllClear for your Travel Insurance?

We’re medical specialists

We’re experts at policies for people with pre-existing medical conditions, covering more than 1300 different ones.

We’re rated Excellent on Trustpilot

We have over 55,000 reviews on Trustpilot, and 97% of those rate us as Excellent or Great.

We don’t have an upper age limit

We believe anyone should be able to go on holiday, whether you’re 19 or 90. So our policies have no upper age limit.

We’ve helped cover over 3.5M travellers

98% would recommend us to family and friends²

Our Travel Insurance: A simple 3 step quote process

Simply complete our quick 3-step screening process to receive your quote.

Here’s how it works.

1. Get a quote online or by phone

Once you’re ready to start the quote process, the first step is to provide your personal details and information about your holiday plans. This can be completed over the phone with one of our team members or online.

2. Complete our simple medical screening process

Here, you need to declare any medical conditions you have and any medications you and your travel companions are taking.

This way, we can provide the cover that best suits your needs.

3. Get your quote

You can either proceed to buy or save your quote at this stage.

Letitia Smith

“Travel Insurance is an absolute must-have, no matter where you’re visiting or what you’re doing on your holiday. While it won’t prevent every bump in the road, it can shield you from the financial blow of unexpected cancellations, medical emergencies or lost luggage. Our Travel Insurance is tailored for you, so you won’t have to let minor setbacks turn into major headaches.”

Letitia Smith – Travel Insurance expert

Stories from our existing customers

Case Study – Sally Stuart

Sally Stuart

When Sally Stuart had completed her treatment for cancer, she wasn’t sure if she’d even be able to get Travel Insurance anymore. Luckily she contacted AllClear Travel Insurance.

“At the time of my last trip I was hunting around multiple travel insurers to try and find affordable cover as I’d just had cancer treatment and wanted to see whether this was even an option for me. AllClear were brilliant in helping me pick which plan worked best for my medical conditions. They were patient whilst taking me through all the different options, despite my previous conditions having the potential to make the whole situation rather stressful.”

We’re the UK’s most trusted Travel Insurance provider for a reason.³

What our Customers Say

Frequently asked questions about Travel Insurance

How does Travel Insurance work?

Travel Insurance works similarly to most other types of insurance. You will pay a flat fee, and then you are covered by your insurer if anything goes wrong. If something does go wrong, the insurer will cover the expenses and inconveniences incurred from delayed flights, cancelled reservations, lost or delayed luggage, injuries and illness – along with anything else that is listed in your policy.

Do you need Travel Insurance?

The UK Government recommends that all British travellers get the appropriate Travel Insurance before they leave the UK. If you do not have Travel Insurance and something goes wrong on holiday, you will be liable for any costs, which could leave you seriously out of pocket. Often, this can amount to thousands, if not tens of thousands of pounds.

What Travel Insurance do you need?

The type of Travel Insurance policy you need will depend on a few different factors.

Where you’re going: Some countries have more expensive healthcare systems than others, so if you’re thinking of going to the US, check the cover level for emergency medical expenses.
The type of holiday you’re having: If you’re having a holiday that involves something special, you’ll need a particular kind of insurance. For example, cruises need specific Cruise Travel Insurance to protect against cabin confinement, and Golf Travel Insurance protects you and your clubs for your entire golfing holiday.
Your health: If you’ve got a pre-existing medical condition, you’ll need to take extra care of yourself on holiday. Medical Travel Insurance means you’re covered if anything goes wrong, and you won’t be without much-needed medication in the event of an emergency.
How long you’re going for: Our Annual Multi-trip Travel Insurance covers you for up to 55 days, depending on your policy type. If you’ll be away for longer than this, you’ll need Long Stay Travel Insurance.

All of these factors need to be considered before you buy a Travel Insurance policy.

How to get cheap Travel insurance

If you need to get cheap Travel Insurance, think about a few factors that will impact your quote, such as where you’re going and for how long. A weekend in Europe will be a lot cheaper than a month in the US because the US has an expensive healthcare system.

Remember that if you’re thinking about Travel Insurance, you should always check what is covered and what isn’t. If one policy is cheaper, but it only protects your valuables up to £50, then it’s less helpful if you lose your phone, for example.

Does Travel Insurance cover cancelled flights?

Yes, Travel Insurance protects against cancelled flights, unless you’ve opted out of cancellation cover. Just check the policy wording to make sure.

What does Travel Insurance not cover?

Standard Travel Insurance policies typically will not cover things like winter sports, cruises, extreme sports, golfing or numerous gadgets. These are usually listed as optional extras when purchasing your Travel Insurance policy.

Travelling against medical advice or travelling to get medical treatment abroad – commonly known as medical tourism – are usually also not covered by standard Travel Insurance.

When should you get Travel Insurance?

You should buy Travel Insurance as soon as you have booked your trip. This means you’re covered for issues before your trip (like cancellations or delays). Plus, you’re less likely to forget. If you are not able to purchase it at that point, buy it as soon as you can.

Remember that you need to have bought your Travel Insurance before you leave the UK for it to be valid.

Get the most out of your trip with our helpful guides

Where are you visiting?

Explore our helpful guides for tips to ensure you remember everything you need when travelling to one of the below destinations

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.

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