AllClear
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AllClear Travel Insurance

Our verdict: 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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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 need to fill out a long form before you can get a quote, as all your medical conditions need to be detailed.

Get Allclear Travel Insurance quotes

Name Product Overseas Medical Expenses Cancellation and amendment fees Theft or damage to lugagge COVID-19 expenses Standard excess
AllClear Gold Travel Insurance
  • Unlimited
  • $12,000
  • $7,000
$250
AllClear Gold Plus Travel Insurance
  • Unlimited
  • Unlimited
  • $10,000
$150
AllClear Traveller Travel Insurance
  • Unlimited
  • $5,000
  • $3,000
$250
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Summary of AllClear's Gold Plus policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment FeesUnlimited
Luggage and Personal Effects$10,000
Maximum Age LimitNo age limit but if you are over 99 years old, you will need to call AllClear for a travel insurance quote.

Table updated December 2023

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 66 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.

Hiking

Traveller

Passport

Gold

Travel plane luggage passport

Gold Plus

The insurer of this product is Mitsui Sumitomo Insurance Company 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

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Standard 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).

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Optional add-on

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.

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Exclusions

While AllClear will cover you all around the world, there are certain conditions in which your policy won't pay out. They include:

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:

  1. Your original policy and schedule of cover
  2. Confirmation of booking
  3. Original receipts
  4. 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.

If you're still not sure about AllClear, you can compare other travel insurance companies here.

Frequently asked questions

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6 Responses

    Default Gravatar
    GregDecember 16, 2021

    How do I get a quote

      AvatarFinder
      JamesJanuary 13, 2022Finder

      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

    Default Gravatar
    helenNovember 24, 2021

    B–est travel insurance –6 weeks or annual for Australia to UK—–over 80s–travel only in UK

      AvatarFinder
      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.

      You could check out cover options in more detail on our guide to travel insurance for over 80s.

      Regards,
      James

    Default Gravatar
    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.

      Default Gravatar
      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

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