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AllClear Travel Insurance
Cover without a maximum age limit or any outright exclusions for pre-existing medical conditions with AllClear travel insurance.
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Important:
Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:- If you're buying a policy today, it's unlikely that you'll be covered for any coronavirus-related claims
- If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
Who is AllClear?
AllClear specialise in medical travel insurance. If you have a pre-existing condition, or have been excluded by other travel insurers for an illness or injury, check out AllClear's policies because they consider all conditions.
Get a quote for AllClear travel insurance and apply securely
Summary of AllClear's Gold Plus Cover
| Overseas Medical and Hospital Expenses | Unlimited |
|---|---|
| Cancellation and Amendment Fees | Unlimited |
| Luggage and Personal Effects | $7,000 |
| Maximum Age Limit | No age limit but if you are over 99 years old, you will need to call AllClear for a travel insurance quote. |
Table updated June 2020
Comparing AllClear travel insurance policies and benefits
| Benefit | Traveller | Gold Cover | Gold Plus Cover |
|---|---|---|---|
| Cancellation | $5,000 | $12,000 | Unlimited |
| Curtailment | $5,000 | $12,000 | Unlimited |
| Missed departure | $750 | $750 | $750 |
| Travel delay | $20 for the first 12 hours $10 for each 12 hours after up to $100 | $20 for the first 12 hours. $10 for each 12 hours after up to $100 | $20 for the first 12 hours. $10 for each 12 hours after up to $100 |
| Death | $20,000 | $20,000 | $20,000 |
| Permanent total disablement | $30,000 | $30,000 | $30,000 |
| Medical emergency expenses | Unlimited | Unlimited | Unlimited |
| Personal property | Up to $3,000 | Up to $5,000 | Up to $7,000 |
| Personal public liability | $2,000,000 | $2,000,000 | $2,000,000 |
| Home help or nanny | No cover | $300 | $300 |
Table updated June 2020
What policies do AllClear travel insurance offer?
Gold plus
Gold
Traveller
How AllClear travel insurance works
Age limits
While there are no age limits, if you are over 99 years old, you will need to call AllClear for a travel insurance quote.
Pre-existing conditions
You will still need to clear any pre-existing medical conditions with AllClear prior to taking out cover, and you may be required to provide medical evidence. If there’s a significant likelihood that you will experience a health event related to that condition during your trip, you might still be declined.
Who can apply?
You cannot take out an AllClear travel insurance policy after departure, as it must be taken out in advance. It’s also only available to citizens or permanent residents of Australia, or non-permanent residents who have a valid Medicare card, private health fund or Overseas Student Health Cover in Australia.
What am I covered for?
You can enjoy a comprehensive level of cover with AllClear. Read below to see what's covered:
| Cover type | What it does |
|---|---|
| Cancellation cover | Reimburses you for prepaid travel expenses if you are unable to commence your trip due to unforeseen events, such as unexpected medical issues. |
| Curtailment cover | Reimburses you for prepaid travel expenses if you have to cut your trip short due to unforeseen events, such as your home in Australia burning down. |
| Missed departures and delays | Pays a benefit if your travel is disrupted due to unforeseen events, such as a car breaking down, which causes you to miss a connecting flight. |
| Personal accident and medical emergency cover | Reimburses you for the cost of necessary overseas treatment, repatriation or compensation for death or disability caused by an accident. The limit for medical emergencies is $15 million. |
| Baggage and personal property cover | Pays a benefit for baggage and personal property that has been lost, stolen or delayed. |
| Personal liability cover | Covers your legal expenses and legal liability in the event of you being held liable for another person’s injury or loss. |
| Home help and nanny | Pays up to $300 for home help if you are bedbound or need to be hospitalised immediately after your return to Australia. |
| Legal expenses cover | Pays for any legal costs incurred from recovering compensation from other parties that are responsible for your injury or death. |
| Insolvency cover | Pays up to $5,000 for unrecoverable prepaid travel and accommodation expenses in the event of a provider going bankrupt. |
Note that limits and conditions apply to each cover type. You should read the PDS to get more information about each cover type and the conditions that apply.
What other options are available with AllClear travel insurance?
If you’re going skiing or golfing then you’ll need to make sure you’ve got appropriate cover. You may not be covered for incidents on the snow or the green without it.
- Winter sports cover. Can cover loss or damage to ski gear and reimbursement for piste closure, and offers curtailment or cancellation cover for unrecoverable prepaid snowsports expenses.
- Golf cover. Can cover loss or damage to golf equipment and unrecoverable greens fees paid before your departure in the event of cancellation, and can pay out $100 if you hit a hole in one during an organised game.
What's not included?
AllClear can cover you wherever you are in the world, but there are certain conditions:
- Make sure you select the appropriate region. These range from domestic trips (region 1) to worldwide.
- When travelling to Antarctica, you are only covered for travelling on a cruise.
- Some countries are excluded outright, including Afghanistan, Chad, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, North Korea, Pakistan, Palestine, Somalia, Sudan, Syria, Uganda, Yemen and Zimbabwe.
There are some other exclusions to be aware of. These are situations in which your AllClear policy won’t pay out. They include:
- No cover for deliberately self-inflicted harm.
- No cover for compulsory detainment as a psychiatric patient.
- No cover for snowsports without the ski cover extra.
- No cover for professional sports or dangerous pursuits, such as scuba diving at depths greater than 30m.
- No cover for riding a motorcycle, quad bike or similar vehicle with an engine capacity greater than 125cc, unless you’re wearing a helmet and the driver is appropriately licensed.
- No cover for manual work or performance of hazardous occupations while travelling.
- No cover for boating in international waters, except as a passenger on a commercial cruise liner.
- No cover for any involvement in reckless, malicious or criminal acts.
- No cover for any claim that involves you being denied boarding on a flight, train, sea vessel or bus for any reason.
- No cover for circumstances that, at the time of booking your trip, you could reasonably expect might lead to a claim.
- No personal liability cover for liability incurred while operating a motorised vehicle.
Pros and cons of AllClear Travel Insurance
Pros:
- No age limits. You could be 120 years old and still be covered by AllClear.
- No pre-existing conditions are excluded outright. If you’re having trouble getting a policy with another provider, AllClear might be what you need.
- Comprehensive cover. AllClear offers comprehensive travel insurance
- Offers both single trip and annual multi-trip cover. Cover is available as a single trip policy if you’re making a one-off journey or as an annual multi-trip policy for frequent travellers.
Cons:
- Policies can be pricier. Travellers with higher risk (i.e. pre-existing medical conditions) generally need to pay higher premiums, but the additional cost is worth the peace of mind knowing that you'll be covered (unlike a 'cheaper' policy that won't cover you for your medical condition while you're travelling).
- You need to fill out a long form before you see a price. While this may take you a few minutes, it's worth the time declaring all your medical conditions to know that you'll be covered.
Get a quote with AllClear
If this sounds like the right cover for you, get a quote from AllClear Travel Insurance today to get started.
AllClear travel insurance claims and contact details
Claims and contact details
Emergency contact number: +61 2 9333 3922
Making a claim via email: Allclearclaims@mapfre.com
General enquiries: +61 2 9333 3923
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Picture: GettyImages
Ask an Expert
My friend is 74 years young, and is finding it hard to get Travel Insurance as he had a Heart Bypass some 15 years ago. He is Healthy and Fit for his Age. We thought we had found cover, but he has heard via Reviews that even if you have one Glass of Beer/alcohol, and have an accident, then you would Not be Covered.
Hi Dennis,
Thanks for getting in touch with Finder. Sorry to hear your friend while 74 years young is finding it difficult to get travel insurance.
Since he’s a senior with pre-existing medical conditions, you can find travel insurance options for him on this page.
Note that a pre-existing condition may cost you more as a senior. Be sure to divulge any and all illnesses to the insurer. If you suffer an illness or injury on your trip that is in any way related to your undisclosed pre-existing condition, you will not be covered by your travel insurance.
If you are hospitalised, you could be faced with a horrendous medical bill that you will have to pay out of your own pocket. It’s far better to come clean with your insurer at the time of application and pay a little more (if necessary) for your condition to be covered.
You can find the insurers available on the part of the page that says “Compare travel insurance from 20+ brands” Simply enter all the details needed on the online form and click GET MY QUOTE then it will show a list of insurers with estimated quotes that you can choose from.
As a friendly reminder, carefully review the Product Disclosure Statement of the product before applying. You may also contact the insurance provider should you have any questions about their policy. You may also seek the expertise of an insurance broker to help you find the other available options.
Hope this helps! For any further questions, feel free to reach out to us again, we’re here to help.
Best,
Nikki