AllClear Travel Insurance Review (2026): Cover Limits, Medical Screening, Real Prices and Cheaper Alternatives

AllClear travel insurance is the UK's specialist for travellers with pre-existing medical conditions: it screens and covers more than 1,300 conditions, applies no upper age limit, and its emergency medical cover runs from £10m on Gold to unlimited on Platinum. Its weak point is price, not cover.

AllClear Insurance Services has been selling travel insurance since 2000 and is authorised by the Financial Conduct Authority under firm reference 311244. The policies themselves are underwritten by MAPFRE Asistencia through IES Limited. That structure matters more than it sounds: AllClear is a broker that built its own medical screening engine, which is exactly why it can quote people that mainstream UK insurers decline.

Read as a contract rather than as a brochure, AllClear is genuinely strong where it says it is strong. Its three tiers all passed the Which? Best Buy test in 2026, scoring 70% for Platinum, 68% for Gold Plus and 65% for Gold, and Which? measured its claim acceptance at 90% to 95% on annual European policies against an industry average of 86.3%. Those are independent numbers, not marketing.

The catch is what you pay for that acceptance. AllClear publishes no price list at all, because every quote depends on a medical declaration, and the entry-level Gold tier carries a £250 excess with only £2,000 of cancellation cover. For a traveller in stable health, that is a lot of premium spent on a screening service they never needed.

What AllClear does well

• ✓
  Medical screening that actually accepts people : over 1,300 pre-existing conditions covered, and AllClear reports cover available for more than 99.5% of the quotes it ran in 2025.
• ✓
  No upper age limit : single trip and annual multi-trip policies are both sold with no age ceiling, which is rare in the UK market.
• ✓
  Very high medical ceilings : £10m on Gold, £15m on Gold Plus and unlimited on Platinum, well beyond what any realistic overseas hospital bill reaches.
• ✓
  Independently validated : Which? Best Buy on all three tiers, Defaqto 5 star on Gold Plus and Platinum, and UK Broker Awards Broker of the Year 2025.
• ✓
  Above-average claim acceptance : Which? measured 90% to 95% acceptance on annual European policies against an 86.3% industry average, and 85% to 90% on annual worldwide against 84.5%.
• ✓
  Long trips allowed : a single trip policy can run up to 365 days, which most mainstream UK policies cap far lower.

Where AllClear falls short

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  No price transparency : there is no published tariff anywhere on the site, so you cannot compare AllClear against anything until you have completed a full medical declaration.
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  A £250 excess on the entry tier : Gold applies £250 per person per section, which quietly removes most of the value of a small baggage or medical claim.
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  Thin cancellation cover at entry level : Gold caps cancellation at £2,000, which is below the cost of many of the trips its own senior customers book.
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  Non-disclosure is punished hard : AllClear states that an undeclared condition can invalidate the linked claim and, in some cases, the whole policy.
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  You pay for screening whether or not you need it : a traveller in stable health is buying an underwriting service that adds nothing to their cover.
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  Published limits are not consistent across its own pages : the cancellation figures shown on the product pages differ from those on the homepage, so only the policy schedule is binding.

AllClear travel insurance is sold in three cover levels: Gold, Gold Plus and Platinum. They differ far more on excess and cancellation than on medical cover, so the tier you need is decided by the value of your trip, not by your health.

The jump from Gold to Gold Plus is the one that changes your real outcome. Going up one tier cuts the excess from £250 to £75 and more than doubles cancellation cover, while the medical ceiling barely matters at that level: nobody has ever exhausted £10m. Platinum earns its price on two things only, a nil excess and cruise cover included as standard.

One practical warning. AllClear publishes different cancellation limits in different places on its own site, with higher upgrade figures shown on the single trip and annual multi-trip pages. Read the limit on your own policy schedule before you assume you have bought £10,000 of cancellation cover.

AllClear travel insurance covers emergency medical costs and repatriation, cancellation and curtailment, travel delay, personal belongings, personal liability up to £2m and legal protection, with the limits set by the cover level you choose rather than by your medical declaration.

Sources: AllClear's published cover table and homepage (allcleartravel.co.uk, 22 August 2026); Which? AllClear travel insurance review; HelloSafe live quotes captured on 22 August 2026 for a UK resident.

The honest read of that table is that AllClear wins the headline and loses the detail. An unlimited medical ceiling is reassuring, but it is reassurance rather than protection: emergency treatment and an air ambulance home from Europe or Asia rarely pass six figures, and you can see the real numbers in our breakdown of how much a hospital bed costs abroad. A pan-European policy quoted at about £261,000 to £435,000 of medical cover is already above any realistic bill.

Where AllClear is genuinely and unarguably ahead is cancellation. £5,000 on Gold Plus and £10,000 on Platinum is far more than the £1,306 our best-quoting plan carries for a UK resident, and if you have booked a river cruise or a long-haul tour that difference is the whole reason to buy AllClear. If your trip cost under £1,000, it is not.

One thing every UK traveller should keep alongside the policy: a GHIC card. It does not replace insurance, but it removes a large slice of the state-hospital bill in Europe before any excess is applied.

Beyond the single trip policy, AllClear travel insurance sells annual multi-trip, cruise, golf, group and family cover, all built on the same three cover levels and the same medical screening.

The annual multi-trip policy is the one worth doing the arithmetic on. If you take two or more trips a year it usually costs less than buying each trip separately, and our guide to annual multi-trip travel insurance sets out where the break-even sits. Note the 183-day annual travel cap: long-stay winterers in Spain will hit it.

Yes. Covering pre-existing medical conditions is the whole reason AllClear travel insurance exists: it screens and covers more than 1,300 conditions, including cancer, heart disease, atrial fibrillation, stroke, diabetes, COPD, arthritis and mental health conditions, with no upper age limit.

This is the single feature that separates AllClear from a mainstream travel insurer, and it is worth understanding exactly how it works, because it is also where policies get invalidated.

1. You answer the screening questions. AllClear asks about any condition you have seen a doctor about, been diagnosed with, been treated for or taken medication for in the last two years. You do not need to name your medications.
2. Each condition is priced individually. The screening engine returns a premium that reflects the specific conditions you declared, which is why two travellers of the same age can get very different quotes.
3. The accepted conditions are written into your policy. Anything you declared and AllClear accepted is covered, including claims that arise from it. Anything you did not declare is not.
4. You must re-declare when anything changes. A new diagnosis or a change of medication between buying the policy and travelling has to be reported on 01708 339 029, or the cover for that condition can fall away.

There is a second route that most UK travellers never see, and it is the reason a lot of people overpay AllClear. Pan-European travel insurance policies are generally not medically underwritten at all: they ask no medical questions, and they cover a sudden, unforeseeable worsening of a condition that was medically stable when you bought the policy. No contract of either kind covers scheduled treatment or a hospitalisation you already knew was coming. Our guide to travel insurance with a pre-existing medical condition sets out where each model works.

The practical rule is simple. If your condition is active, unstable, recently treated or something you would need to argue about at claim time, AllClear's declaration is worth what it costs, because you get a written acceptance. If your condition is stable and controlled, and you are essentially buying cover for a broken ankle in Alicante, you are paying for underwriting you do not need. Travellers over 70 in that second group should compare against a straightforward travel insurance policy for seniors before renewing.

AllClear travel insurance excludes anything arising from a condition you did not declare, anything you booked while unfit to travel, and the excess on every claim except on Platinum, which carries none.

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  Undeclared medical conditions : any claim linked to a condition missing from your declaration, with the whole policy at risk in some cases.
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  The policy excess : £250 per person on Gold and £75 on Gold Plus, deducted from each claim section, so a £200 baggage claim on Gold pays nothing at all.
• ✕
  Travelling against medical advice : if you were told not to travel, or you were awaiting the results of tests or investigations, the related cover falls away.
• ✕
  Cancellation above your tier's limit : £2,000 on Gold is a hard ceiling, however much the trip cost.
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  Trips against Foreign Office advice : destinations under an active FCDO advisory against travel are outside the cover, as with every UK policy.
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  Undocumented claims : baggage and delay claims need receipts, a police report or a carrier report, and are refused without them.
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  Trips longer than your policy allows : 365 days on a single trip policy, and a 183-day total per year on annual multi-trip.

AllClear travel insurance publishes no price list, because every premium is built from your medical declaration. Independent broker guides put a typical one-week over-70s AllClear policy between £45 and £140 per person, and a declared condition can move that figure well beyond the top of the range.

AllClear itself names the four things that drive the number: your age, the conditions you declare, the length of the trip, and the destination, with the United States, Canada and the Caribbean costing far more than Europe because of what treatment costs there. Optional extras such as cruise or winter sports cover sit on top.

That opacity is the reason to run a comparison before you buy. Below is what our own comparator actually returned for the same kind of UK traveller on 22 August 2026, priced in pounds, against the published AllClear range. Both columns describe the same trips; only the right-hand column is a real quote, because AllClear will not produce one without a medical declaration.

The finding that surprised us is in the second row. Running the same Spanish trip at 70, 80 and 84 returned an identical premium of £51.72 on World Travel, and £69.92 and £85.24 on the two Go Explore plans. These pan-European contracts simply do not price by age band the way the UK specialist market does. That is the structural reason a healthy 80-year-old can be quoted less than half an AllClear premium: nobody is underwriting their age.

The limit of that advantage is equally clear, and we would rather say it than sell around it. Those plans stop accepting travellers after 80 and 84 respectively, they carry about £1,306 of cancellation cover against AllClear's £5,000 to £10,000, and they will not write you an acceptance for an unstable condition. Price is not the only axis, and on a £6,000 cruise the cancellation cover matters more than the premium.

An AllClear travel insurance claim runs through a 24 hour emergency medical line for anything happening abroad, and through an online claims portal for everything else, with the excess for your cover level deducted from each section you claim under.

1. Call the emergency line before you are treated. +44 (0)203 467 4122 is staffed 24 hours a day. Calling first is what allows AllClear to settle a hospital directly rather than leaving you to pay and reclaim.
2. Let the assistance team place you. They confirm cover against your declaration, direct you to an appropriate facility and organise repatriation if it is clinically necessary.
3. Keep every document. Invoices, medical reports and discharge summaries for medical claims; receipts plus a police or carrier report for baggage and delay claims. Claims are assessed only once the file is complete.
4. Submit non-emergency claims online. The claims team is reachable on 0800 011 3135, Monday to Friday, 9am to 5:30pm, for a claim already in progress.

On the numbers, AllClear performs above the UK average. Which? measured acceptance at 90% to 95% on annual European policies, against an industry average of 86.3%, and 85% to 90% on annual worldwide against 84.5%. AllClear itself reports that more than 99% of accepted claims are paid within five working days. The gap between those two statistics matters: acceptance is the hard part, speed is not.

AllClear travel insurance is one of the best reviewed insurers in the UK market: it reports that 98% of customers rate it Excellent or Great across more than 230,000 Trustpilot responses, and 97% say they would recommend it.

Reading through the reviews, the praise clusters in a very specific place.

• Phone agents who take the time to work through a complicated medical history without making the caller feel like a problem.
• Getting cover at all after being declined or heavily loaded by a mainstream insurer or a bank policy.
• Being quoted at 80 or 85 when other providers stop answering.

The complaints cluster somewhere just as specific, and they are the mirror image of the same product design.

• Sticker shock on renewal, when a new condition declared during the year reprices the policy.
• Claims declined over a condition the traveller genuinely did not think counted as a condition.
• The excess swallowing small baggage and delay claims on the Gold tier.

The pattern is consistent with the contract. AllClear buys you acceptance and a human on the phone, and it charges for both. Nothing in the review record suggests an insurer that avoids paying; the friction sits at the declaration, not at the claim.

AllClear travel insurance runs a UK contact centre for sales and service and a separate 24 hour line for medical emergencies abroad, which is the number to keep in your phone while you travel.

You can cancel an AllClear travel insurance policy within 14 days of receiving your documents for a full refund, provided you have not travelled and have not claimed. After that, you get back the unused portion of the premium, less charges.

The 14 day window is the standard UK cooling-off period that applies to every regulated insurance contract, so it is not an AllClear concession. Cancellation is requested through the online form or the contact centre, and a refund arranged inside the cooling-off period normally reaches the account within ten working days.

• Is AllClear travel insurance any good?

  Yes, on cover and acceptance. All three AllClear policies passed the Which? Best Buy test, scoring 65% for Gold, 68% for Gold Plus and 70% for Platinum, and Which? measured claim acceptance at 90% to 95% on annual European policies against an 86.3% industry average. The weakness is price transparency: there is no published tariff, so you cannot check whether you are being charged fairly without running a comparison.

• Does AllClear cover pre-existing medical conditions?

  Yes, that is its specialism. AllClear screens and covers more than 1,300 pre-existing conditions, including cancer, heart conditions, stroke, diabetes, COPD, arthritis and mental health conditions. Every condition has to be declared during the quote. If you do not declare one, any claim linked to it may be refused and in some cases the whole policy can be invalidated.

• Is there an upper age limit on AllClear travel insurance?

  No. AllClear applies no upper age limit on single trip or annual multi-trip policies, which is one of the main reasons travellers in their 80s and 90s end up there. Cover still depends on your destination and your medical declaration, and the premium rises steeply with age.

• How much does AllClear travel insurance cost?

  AllClear publishes no price list because every premium comes out of a medical declaration. Independent broker guides put a typical one-week over-70s policy between £45 and £140 per person, with declared conditions, long-haul destinations and longer trips pushing it higher. For comparison, our own comparator quoted £51.72 for a 7 day trip to Spain for a 70-year-old UK resident on 22 August 2026.

• What is the excess on AllClear travel insurance?

  £250 per person on Gold, £75 on Gold Plus and nothing at all on Platinum. The excess applies per person and per claim section, so on a Gold policy a baggage claim below £250 pays nothing. Moving from Gold to Gold Plus for the £75 excess is usually better value than it looks.

• What is the difference between AllClear Gold, Gold Plus and Platinum?

  Medical cover goes from £10m to £15m to unlimited, cancellation from £2,000 to £5,000 to £10,000, personal belongings from £2,000 to £2,500 to £5,000, and the excess from £250 to £75 to zero. Platinum also includes cruise cover as standard. In practice the medical difference is theoretical and the excess and cancellation differences are the ones you will feel.

• Is there an AllClear travel insurance discount code?

  AllClear runs seasonal promotions and affiliate codes, and they are worth applying. They are also worth keeping in perspective: a 10% code on a medically loaded premium can still leave you paying more than an unscreened policy would have cost outright. Compare the final price against at least one alternative before applying any code.

• Does AllClear cover cruises?

  Yes. Cruise cover is an optional add-on that includes missed port departure, cabin confinement and itinerary changes, and it is included as standard on Platinum. If you are cruising, take Platinum or add the cover explicitly, because the standard policy does not cover the risks specific to a cruise.

• How do I contact AllClear in an emergency abroad?

  Call +44 (0)203 467 4122, which is staffed 24 hours a day. Call before treatment wherever possible, because that is what lets AllClear settle the hospital directly instead of leaving you to pay upfront and claim it back later.

• Can I cancel my AllClear policy and get a refund?

  Yes, within 14 days of receiving your documents, as long as you have not travelled and have not claimed. That is the standard UK cooling-off period. After 14 days you get a pro-rata refund of the unused premium, less any charges and unrecoverable taxes.

• Who underwrites AllClear travel insurance?

  AllClear Insurance Services Limited is the broker, authorised by the Financial Conduct Authority under firm reference 311244. The policies are underwritten by MAPFRE Asistencia through IES Limited, licensed by the Gibraltar Financial Services Commission under FSC25393 and trading into the UK under FCA reference 824283.

• Is there a cheaper alternative to AllClear travel insurance?

  For a traveller whose conditions are stable and declared as such, yes, often substantially. Pan-European policies sold through comparison are not medically underwritten and do not price by age band: our comparator returned £51.72 for a 7 day trip to Spain at both 70 and 80 on 22 August 2026. For a traveller with an unstable or recently treated condition, AllClear’s written acceptance is worth the premium and a cheaper policy is not a comparable product.

The best alternative to AllClear travel insurance depends on one question: is your medical condition stable? If it is, an unscreened pan-European policy covers the same trip for around £52 for a week in Spain at 70 or at 80. If it is not, stay with AllClear.

Recommended for youA. FruchardCo-Founder & Travel Insurance Expert

Which policy we would actually put in front of an AllClear shopper

If you are healthy or your condition is stable and controlled, World Travel is the one to look at first. You get emergency hospital care abroad with no money to advance, repatriation organised and paid at actual cost, and about £261,000 of medical cover, for £51.72 on a week in Spain at 70. It also keeps accepting travellers up to 84, which is where most unscreened policies stop, and it is the only one of the three that includes cancellation cover.

If the medical ceiling is what reassures you, Go Explore + roughly doubles it to about £435,000 for £85.24 on the same trip, though it drops cancellation cover and stops accepting travellers after 80. Go Explore sits in between at £69.92.

Be clear about what none of these do: they will not write you an acceptance for an unstable, recently treated or undiagnosed condition, and their cancellation limits are a fraction of AllClear’s. If that is your situation, AllClear is genuinely the better product and we would rather tell you so.

A. Fruchard, Co-Founder & Travel Insurance Expert at HelloSafe

MutuaideWorld Travel

Included coverage

International emergency medical expenses£250,000

Direct billingIncluded

Emergency medical evacuation & repatriationActual costs

From£51.72

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MGENGo Explore +

Included coverage

International emergency medical expenses£420,000

Direct billingIncluded

Emergency medical evacuation & repatriationActual costs

From£85.24

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Personalized quote · no commitment

See 14 more coverages

MGENGo Explore

Included coverage

International emergency medical expenses£210,000

Direct billingIncluded

Emergency medical evacuation & repatriationActual costs

From£69.92

Get a quote

Personalized quote · no commitment

See 14 more coverages

Prices for 1 traveller aged 70, 7 days in Spain, departing from the United Kingdom, quoted on 22 August 2026 for a 5 October 2026 departure. Policies are pan-European: prices and cover limits are shown in pounds, converted at the live exchange rate. Acceptance ages differ by plan: Go Explore and Go Explore + accept up to 80, World Travel up to 84.

AllClear is not the only UK specialist worth a quote if your health is the deciding factor. Our review of Staysure travel insurance covers its closest competitor on pre-existing conditions, InsureandGo travel insurance is worth a look for longer trips, and Coverwise travel insurance is the cheaper end of the same market. If you would rather start from your own trip than from a brand, run it through our travel insurance comparison and read the limits before the price.

Last updated: 22 August 2026. AllClear figures checked against allcleartravel.co.uk and the Which? AllClear review on that date. HelloSafe prices are live quotes captured the same day for a UK resident, shown in pounds.