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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AllClear Travel Insurance

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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 ExpensesUnlimited
    Cancellation and Amendment FeesUnlimited
    Luggage and Personal Effects$7,000
    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 July 2021

    Comparing AllClear travel insurance policies and benefits

    BenefitTravellerGold CoverGold Plus Cover
    Cancellation $5,000$12,000Unlimited
    Curtailment $5,000$12,000Unlimited
    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




    Permanent total disablement




    Medical emergency expensesUnlimitedUnlimitedUnlimited
    Personal propertyUp to $3,000Up to $5,000Up to $7,000
    Personal public liability$2,000,000$2,000,000$2,000,000
    Home help or nannyNo cover$300$300

    Table updated July 2021

    What policies do AllClear travel insurance offer?


    Gold plus





    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 typeWhat it does
    Cancellation coverReimburses you for prepaid travel expenses if you are unable to commence your trip due to unforeseen events, such as unexpected medical issues.
    Curtailment coverReimburses 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 delaysPays 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 coverReimburses 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 coverPays a benefit for baggage and personal property that has been lost, stolen or delayed.
    Personal liability coverCovers your legal expenses and legal liability in the event of you being held liable for another person’s injury or loss.
    Home help and nannyPays up to $300 for home help if you are bedbound or need to be hospitalised immediately after your return to Australia.
    Legal expenses coverPays for any legal costs incurred from recovering compensation from other parties that are responsible for your injury or death.
    Insolvency coverPays 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


    • 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.


    • 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:

    General enquiries: +61 2 9333 3923

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    2 Responses

      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.


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