| Overseas Medical and Hospital Expenses | Unlimited |
|---|---|
| Cancellation and Amendment Fees | Yes - Chosen Limit |
| Luggage and Personal Effects | $10,000 |
| Maximum Age Limit | If you are over the age of 99, you will need to call AllClear for a travel insurance quote. |
Table updated October 2024
AllClear covers Covid-19 in some specific scenarios. These include:
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.
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 age of 66 years and under. All policies can be purchased as a single trip 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.
These are some of the features that AllClear include within their policies and for which claims may be considered 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 are going skiing or golfing then you may wish to consider if you have the appropriate cover in place. AllClear offers cover for these as an optional extra, they can be added at the time of you purchasing your policy.
While AllClear will cover you all around the world, there are certain conditions in which your policy won't pay out. They include:
Sub-limits, terms, conditions and exclusions apply. Please refer to the Product Disclosure Statement for general exclusions.
You can obtain a claim form by phone at 02 9333 3922 or email AllClearassistance@europ-assistance.com.au. This should be done within 28 days of your return or as soon as reasonably practicable.
Your completed claim form should be returned with any relevant documents to support your claim. This can include:
AllClear aims to provide cover for travellers of any age, including those looking to take part in a wide range of adventure activities. AllClear also considers all medical conditions as standard, covering over 1,300 conditions, from diabetes and epilepsy to heart conditions and forms of cancer.
Policies with AllClear tend to be pricier, as they are more likely to insure travellers with higher-risk profiles who may need to pay higher premiums.
If you’re still not sure whether AllClear is right for you, you can compare other travel insurance providers here other travel insurance companies here.
With 3 levels of cover and multiple optional extras available, you can make your travel insurance policy cover as much or as little as you’d like.
The best travel insurance policies are different for each individual traveller.
Part of a new wave of travel insurers, Freely offers more flexibility than most. Love holding stuff on your phone? This could be for you.
Check out these travel insurance coupons to save on your policy.
Compare Air New Zealand Travel Insurance, see features, and more.
If you’re planning to travel to a country that has high travel risks, learn how cover is and is not provided.
CBA Travel Insurance offers budget-friendly cover for younger travellers. Learn more.
If you need a policy that covers the risk of medical expenses when you travel outside of Australia, then it is pivotal that you look beyond your Medicare cover. Compare the medical coverage of travel insurance policies online.
Planning a holiday is a lot of work. Webjet Travel Insurance makes the job easy with its range of policies, including comprehensive.
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