AllClear Travel Insurance

A travel ban is in place for all Australians effective 25 March 2020. Most travel insurance brands will not cover you if you travel against a government warning. If you already have a policy, please contact your insurer directly for more information. We are currently updating our site to reflect the Australian government’s advice. Some travel insurance policies will be temporarily unavailable.

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

• Who Underwrites AlClear Travel Insurance?

  AllClear Travel Insurance is underwritten by Mitsui Sumitomo Insurance Company, Limited, ABN 49 000 525 637, AFSL 240816.

Summary of American Express' Comprehensive policy

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Comparing AllClear travel insurance policies and benefits

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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.

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Gold

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

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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.

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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:

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

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

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