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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.
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
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
While there are no age limits, if you are over 99 years old, you will need to call AllClear for a travel insurance quote.
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.
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.
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.
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.
AllClear can cover you wherever you are in the world, but there are certain conditions:
There are some other exclusions to be aware of. These are situations in which your AllClear policy won’t pay out. They include:
If this sounds like the right cover for you, get a quote from AllClear Travel Insurance today to get started.
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
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