AllClear Travel Insurance Review

AllClear Travel Insurance covers globetrotters of any age, and more than 1,300 pre-existing medical conditions including heart complications and diabetes.

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Updated Jul 4, 2021. What changed?

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Important:

Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:

Some policies may not be available through Finder at this time
It’s unlikely that your policy will cover expenses from border closures

Our Verdict

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 (although you will need to call them for a quote if you're over 99), 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.

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 seasoned travellers with pre-existing medical conditions, however, AllClear may be the only option.

_{Review by our senior insurance writer James Martin}

Find out if AllClear Travel Insurance can cover you for your next trip, whether its in Australia or abroad. This insurance provider offers a range of single and multi-trip policies, specifically pandered towards the over 50's. Compare all of its insurance plans using our table below.

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 July 2021}

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 July 2021}

What policies do AllClear travel insurance offer?

Gold plus

The most comprehensive policy that AllClear offer. This policy has increased benefit allowances and a lower excess amount.

Gold

The second tier policy that still has a good amount of inclusions and benefit allowances but with a higher excess amount.

Traveller

AllClear's most basic policy that allows you to be covered for your pre-existing medical condition but gives you lessened benefit allowances with a higher excess.

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

Icons made by Vectors Market from www.flaticon.com is licensed by CC 3.0 BY
Picture: GettyImages

Thank you for your feedback!

Jessica Prasida

Jessica Prasida is an associate publisher for Finder specialising in travel and home insurance. She loves travelling and is a wannabe dumplings master. Jess has a Bachelor of Business from the University of Technology Sydney and a Tier 1 General Insurance qualification. She is currently studying a Master of Marketing.

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2 Responses

DennisJuly 4, 2019

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.

Best,
Nikki