Our verdict: AllClear Travel Insurance covers globetrotters of any age and more than 1,300 pre-existing medical conditions, including heart complications and diabetes.
AllClear covers over 1,300 pre-existing medical conditions including diabetes and heart complications.
The Gold Plus plan offers unlimited overseas medical expenses and trip cancellation cover.
Expect a comprehensive medical questionnaire when applying for an insurance quote.
Pros
AllClear Travel Insurance is one of the most senior-friendly providers that our team has reviewed. It doesn't put an age limit on its policies and considers all pre-existing medical conditions on a case-by-case basis.
You can travel with peace of mind on its Gold Plus plan, knowing that there's no limit on overseas medical expenses or trip cancellation costs.
Cons
You will need to complete a medical screening section in order to get your quote, as all medical conditions need to be detailed.
Get Allclear Travel Insurance quotes
Summary of AllClear's Gold Plus policy
Overseas Medical and Hospital Expenses
true
Cancellation and Amendment Fees
Yes - Chosen Limit
Luggage and Personal Effects
$10,000
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 October 2024
How does AllClear Travel Insurance cover Covid-19?
AllClear covers Covid-19 in some specific scenarios. These include:
Cancellation or amendment costs if you or your immediate family are diagnosed with Covid-19
Medical expenses outside of Australia if you are diagnosed with Covid-19
Some exclusions do apply, however, including costs related to a government-directed border closure or travel ban and mandatory quarantine or self isolation requirements.
If you're at all concerned about unexpected pandemic expenses ruining your trip, we've compared all the providers that offer cover for COVID-19.
What policies does AllClear offer?
AllClear has three different plans available. Its Gold and Gold Plus cover is available to travellers of any age and you can choose to include cancellation cover or leave it off. AllClear Traveller Travel Insurance is available to travellers under the age of 99+ years. All policies can be purchased as a single trip plan or annual plan.
You can read more about some of the main insured events a policy can cover you for here.
Traveller
Gold
Gold Plus
The insurer of this product is Europ Assistance Australia Pty Ltd. It comes with a cooling-off period and choice of standard excess.
The cooling-off period is 14 days which means you can cancel your policy within this period and AllCllear will refund your premium in full. You can cancel after this time, but some fees will apply. The excess is the amount you need to pay when you make a claim for certain insured events. With AllClear, you can choose to waive the excess by paying a higher premium.
Here's a breakdown of AllClear travel insurance features
These are some of the features that AllClear will cover you for if something goes wrong on your trip. Some of these inclusions are only available for certain levels of cover (e.g. the comprehensive cover under the Gold Plus policy vs the Traveller policy).
If you're going skiing or golfing, then you'll need to make sure you've got appropriate cover. AllClear offers cover for these as an optional extra, so you'll need to add them in at the time of purchasing your policy.
Golf cover is all about loss or damage when you're on the green. It covers golf equipment and unrecoverable greens fees paid before your departure in the event of cancellation, plus a benefit of $100 if you hit a hole-in-one during an organised game.
Winter sports is a must if you're hitting the slopes. It covers loss or damage to ski gear, reimbursement for piste closure and offers curtailment or cancellation cover for prepaid snowsports expenses.
Exclusions
While AllClear will cover you all around the world, there are certain conditions in which your policy won't pay out. They include:
You riding on a motorcycle, quad bike or similar with an engine capacity in excess of 125cc and in any event if you fail to wear a crash helmet
Childbirth or travel when you are more than 36 weeks and 6 days pregnant for a single pregnancy, or more than 32 weeks and 6 days for a multiple pregnancy
Suicide, attempted suicide or deliberately injuring yourself
Manual work or performance of hazardous occupations while travelling
Make sure you review AllClear's PDS for a detailed breakdown of what is and isn't covered, found under its list of general exclusions.
How to make an AllClear Travel Insurance claim
You can obtain a claim form by phone at 02 9333 3921 or email at AllClearclaims@europ-assistance.com.au. This must be done within 28 days of your return.
Your completed claim form should be returned with any relevant documents to support your claim. This can include:
Your original policy and schedule of cover
Confirmation of booking
Original receipts
Police reports
Here's the bottom line about AllClear Travel Insurance
AllClear aims to cover travellers of any age, even if you're up for participating in a long list of adventure activities. If you have pre-existing conditions, you are likely to be taken care of as well since AllClear will consider all conditions. As standard, it covers an impressive list of over 1,300 medical conditions from diabetes and epilepsy, to heart conditions and forms of cancer.
Policies tend to be pricier with AllClear as they are more likely to insure a riskier group of travellers that generally need to pay higher premiums. For some keen travellers with pre-existing medical conditions, however, AllClear may be the only option.
AllClear policies are available to citizens or permanent residents of Australia as well as non-permanent residents who have a valid Medicare, Private Health Fund or Overseas Student Travel Insurance in Australia.
AllClear Travel Insurance is underwritten by Europ Assistance Australia Pty Ltd, ABN 49 000 525 637, AFSL 240816.
AllClear offers insurance for all ages, but certain policies and options have age restrictions. These include:
AllClear Traveller policy - Maximum age of 66
Gold and Gold Plus Annual plan - Maximum trip duration of 45 days if you're up to 70 years old and 31 days if you're 70 and older
Winter sports cover - Available to persons aged 65 years and under
Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share.
See full bio
You can call AllClear Travel Insurance at 1800 78 58 70 or go to their website to request a quote directly from them. Their phone support are open Monday to Friday from 09:00 AM to 05:00 PM.
I hope this helps!
Cheers,
James
helenNovember 24, 2021
B–est travel insurance –6 weeks or annual for Australia to UK—–over 80s–travel only in UK
Finder
JamesNovember 30, 2021Finder
Hi Helen,
It depends on factors such as how long you’re planning to go on a single trip, and whether or not you intend to travel elsewhere during the year.
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.
NikkiJuly 5, 2019
Hi Dennis,
Thanks for getting in touch with Finder.
Since your friend is a senior with pre-existing medical conditions, you can find travel insurance options for him from our list of senior travel insurance with pre-existing conditions. Note that a pre-existing condition may cost him more as a senior so be sure to divulge any and all illnesses to the insurer. If he suffers an illness or injury on his trip that is in any way related to his undisclosed pre-existing condition, he will not be covered by his travel insurance.
If he was hospitalised, he could be faced with a horrendous medical bill that he will have to pay out of his own pocket. It’s far better to come clean with his insurer at the time of application and pay a little more (if necessary) for his condition to be covered.
You can also enter all the details needed on the online form and click ‘Get my quote’. 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.
InsureandGo Travel Insurance can save you time with a comprehensive range of policies that are easy to digest and understand. Its policies include winter sports coverage plus both single and multiple trip policies.
Annual travel insurance not only lets you travel worry-free all year, but can also save you time and money in the process.
Important information about this website
Finder is a comparison service. We do not compare every product or every provider in the market.
We make money through commercial arrangements with some of the providers on this site. Products marked 'Sponsored', 'Promoted', 'Featured' or 'Advertisement' appear as a result of a commercial arrangement.
Our editorial content, product reviews and any 'Top Pick' designations are prepared independently of these commercial arrangements.
The default order of products in our tables can be influenced by commercial arrangements. You can re-sort or filter using the controls above each table.
Some content on this site may be generated or supported by AI tools. You should verify details directly with the provider.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
Our comparison service does not include every product or every provider in the market. Some product issuers offer their products under multiple brands or through associated companies. Where we can, we identify the underlying issuer so you can compare like with like, but you should always check with the provider directly to confirm which brand you are dealing with.
Finder is a comparison website and an intermediary. We are not a product issuer and we do not provide personal financial or credit advice. When you click a link to a product, or apply for a product through our site, you deal directly with the product issuer. We may receive a referral fee, commission or other payment from the issuer if you click through, apply or take out a product. We describe these arrangements in more detail under 'How we make money' below.
Product features, fees, terms and eligibility criteria are set by the product issuer and may change. We rely on information supplied by issuers when we present product details on our site. Before you apply for or take out any product, you should confirm the details directly with the issuer.
We earn revenue from Finder in four principal ways:
Referral fees and commissions. When you click a product link, complete an enquiry form or apply for a product through our site, we may receive a referral fee, commission or other payment from the product issuer. We may also receive payment based on the volume of leads or conversions we send to an issuer.
Sponsored placements. Products marked 'Sponsored', 'Promoted', 'Featured' or 'Advertisement' appear as a result of a commercial arrangement between Finder and the issuer. These labels always indicate a paid placement. We do not use them for editorial choices.
Display advertising. Banner advertising, newsletter advertising and similar display ads on our site are paid by advertisers.
Content sponsorship. Some articles, videos and social media posts are sponsored by an issuer and are clearly labelled as such.
Our editorial opinions, product reviews and any 'Top Pick' designations are prepared independently of these commercial arrangements. A 'Top Pick' is an editorial choice made by our writers and editors based on the criteria described on each comparison page. A 'Top Pick' is not a personal recommendation and does not mean the product is appropriate for your circumstances.
If you would like to know whether we have a commercial arrangement with a specific product issuer, please contact us.
When products are grouped in a table or list, the default order can be influenced by commercial arrangements we have with product issuers. In some categories, sponsored or featured products appear in the top positions of the table by default, and are always labelled as such.
Other factors that influence default order include price, fees and features, and (where relevant) our editorial view of the product.
You can re-sort every comparison table using the controls above the table. You can filter by product features that matter to you. The order you see after re-sorting or filtering is not influenced by commercial arrangements.
Some content on this site is generated or supported by artificial intelligence tools, including our AI-powered assistant FinderBot. AI-generated content may contain errors. Please verify important information directly with the product issuer before making a financial decision. For more information about FinderBot, see the FinderBot Terms of Use and FinderBot Privacy Collection Notice.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
How do I get a quote
Hi Greg,
You can call AllClear Travel Insurance at 1800 78 58 70 or go to their website to request a quote directly from them. Their phone support are open Monday to Friday from 09:00 AM to 05:00 PM.
I hope this helps!
Cheers,
James
B–est travel insurance –6 weeks or annual for Australia to UK—–over 80s–travel only in UK
Hi Helen,
It depends on factors such as how long you’re planning to go on a single trip, and whether or not you intend to travel elsewhere during the year.
You could check out cover options in more detail on our guide to travel insurance for over 80s.
Regards,
James
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.
Since your friend is a senior with pre-existing medical conditions, you can find travel insurance options for him from our list of senior travel insurance with pre-existing conditions. Note that a pre-existing condition may cost him more as a senior so be sure to divulge any and all illnesses to the insurer. If he suffers an illness or injury on his trip that is in any way related to his undisclosed pre-existing condition, he will not be covered by his travel insurance.
If he was hospitalised, he could be faced with a horrendous medical bill that he will have to pay out of his own pocket. It’s far better to come clean with his insurer at the time of application and pay a little more (if necessary) for his condition to be covered.
You can also enter all the details needed on the online form and click ‘Get my quote’. 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