AllClear Travel Insurance Review

Mr. Travel

Everything you need to know before you buy travel insurance from AllClear!

The experts say:

What allclear customers are saying right now:.

  • 😀Excellent customer service
  • 😀Competent and speedy transaction
  • 😀Flexible policy options
  • 😀Helpful and professional agents
  • 😀Accommodates recent medical history
  • 😠 Website failure cost customer extra
  • 😡 Quote number not recognised online
  • 😤 Pushy to purchase policy on the phone

AllClear customer reviews summary

All Clear travel insurance is a great choice for anyone looking for reliable and comprehensive coverage. Customers are impressed by the ease of use of the website, as well as the helpful customer service agents. Even those with pre-existing medical conditions can find exactly the right policy to suit their needs. In addition, they offer policies with extended cover up to 45 days – perfect for longer trips. All in all, AllClear travel insurance gets a 9/10!

Co-op Insurance Services Travel Insurance Review

Everything you need to know before you buy travel insurance from Co-op Insurance Services!

Covered2Go Travel Insurance Review

Everything you need to know before you buy travel insurance from Covered2Go!

Holidaysafe Travel Insurance Review

Everything you need to know before you buy travel insurance from Holidaysafe!

Reviewed: 100+ UK travel insurance providers

  • Privacy Policy
  • Car Insurance Reviews
  • Pet Insurance Reviews
  • Home Insurance Reviews

[email protected]

Copyright © 2023

Suggested companies

Staysure travel insurance, avanti travel insurance, insureandgo uk.

allclear travel

AllClear Travel Insurance   Reviews

In the Insurance agency category

Visit this website

Company activity See all

Your profile picture

Write a review

Reviews 4.8.

140,310 total

Most relevant

Excellent Service and value for money

The process for getting the quote was really easy. When I rang, David was extremely helpful and gave me an excellent price on my travel insurance.

Date of experience : 27 May 2024

Impressive Travel Insurance

Nicola at your Southend office is brilliant- providing the best customer service, second to none! Very happy with the options available to me and so refreshing to not feel rushed and to receive a call back as promised.

Date of experience : 25 May 2024

travel insurance

So easy and straightforward to reconfirm my travel insurance, although I still think it’s way too expensive, but needs must. Thank you.

Date of experience : 24 May 2024

Mel was an excellent contact

The girl I spoke to,Mel, explained everything to me and I was able to make a decision to have an annual travel insurance from All Clear. I managed to get a policy cheaper by £100 than I had from a rival company.

Date of experience : 26 May 2024

Very helpful and informative staff

Very helpful and informative staff. Initially a lady called Kiren and then a man called Jim with whom we took out a Policy. All queries were dealt with in a very clear manner. Stall were very personable.

Staff helpful, and polite

I was a little confused with one question online, rang Allclear and they resolved the issue quickly and efficiently, our call was dealt with by Matt

Date of experience : 22 May 2024

Good reliable company with well trained agents

Excellent agent in Brett who was helpful, knowledgeable and answered all my questions. We've used this company for several years and hope that if we ever have to claim, the service will be equally good.

Fabulous service at a fabulous price

Excellent customer service from Jim, made the process simple and personal. Went through my in laws medical history and came out with confidence and trust in the cover. .

AllClear are first class

I have used this travel insurance company before and Hassis was very helpful and answered all my questions and explained everything thoroughly. I have no hesitation in recommending AllClear for travel Insurance.

Agent was very knowledgeable and…

Agent was very knowledgeable and thorough, when Asking, then explaining his questions. I was able to choose the best insurance with his guidance.

Date of experience : 23 May 2024

The interview was thorough and lengthy

The interview was thorough and lengthy. As is the paperwork. We have discovered some spelling mistakes of passengers surnames. We hope to have that rectified soon.

All went well with the buying of the…

All went well with the buying of the insurance but there was a problem emailing the policy Had to make a few phone calls before the problem was sorted

Date of experience : 20 May 2024

Excellent customer service

The sales person, was excellent Did not rush us, was very clear when explaining, did not try to sell us anything we did not need and a good competitive price.

Really straightforward and easy to get…

Really straightforward and easy to get travel insurance Really pleased with cost and feel assured That if I need assistance it would be provided

Good, clear advice.

The adviser I spoke to was very clear and helpful. My wife was not in at the time so he promised to call back, which he did at exactly the arranged time. The process was very thorough and reassuring.

The person I spoke to was polite, friendly, very helpful and efficient. I was very impressed with every aspect of my dealings with the company.

Just one word really which is - Josh! He was so helpful as I was struggling to get satisfactory insurance, he was very calming and helpful.

Sohal was very efficient and…

Sohal was very efficient and knowledgable. The process was quick and easy and we got the cover set up straight away. Would definitely recommend.

Easy renewal

Easy renewal, Justin was very helpful and went through a number of options to get the right cover and cost.

Organised my insurance over the phone.

Organised my insurance over the phone. All questions answered with clarity. Payment system quick easy to use. Excellent and polite service.

Date of experience : 09 May 2024

  • Motor Vehicles
  • Home & Household
  • Car Hire Insurance
  • Travel Insurance
  • Protect your Family
  • Protection in Later Life
  • Protect your Business
  • Specialist Life Cover and Protection
  • Leisure Insurance
  • Hobby Insurance
  • Vehicle Insurance
  • Credit Cards
  • News and Reviews
  • News and Contact


  • Vehicle Hire
  • Life Insurance & Protection
  • Money & Utilities
  • Offers & Info
  • Car Hire Excess Insurance
  • Collision Damage Waiver Insurance
  • Car Club Excess Insurance
  • Motorhome Hire Excess Insurance
  • Van Hire Excess Insurance
  • Car Insurance
  • Van Insurance
  • Business Van Insurance
  • Learner Driver Insurance
  • Short Term Car Insurance
  • Home Insurance
  • Landlord Insurance
  • Student Insurance
  • Gadget Insurance
  • Wedding Insurance
  • Business Premises Insurance
  • Business Vehicle Insurance
  • Business Protection Insurance
  • Professional Indemnity Insurance
  • Public Liability Insurance
  • UK Car Hire
  • Spain Car Hire
  • France Car Hire
  • Car Hire FAQ's
  • Collision Damage Waiver
  • Supplementary Liability Insurance
  • Car Hire Insurance FAQ's
  • Van Hire Locations
  • Van Hire FAQ's
  • Motorhome Hire
  • Our Car Hire Checklist
  • Motorhome Hire Insurance
  • Campervan Hire Insurance
  • Short Term Rental Van Insurance
  • Self Drive Hire Business Insurance
  • Winter Sports Travel Insurance
  • Cover for Pre-Existing Medical Conditions
  • Volcanic Ash Travel Insurance
  • International Rail Travel
  • Eurotunnel & Ferry
  • European Car Insurance
  • European Breakdown Insurance
  • Travel Money
  • Airport Parking
  • Airport Lounges
  • Airport Transfers
  • Life Insurance
  • Life Insurance for the Family
  • Joint Life Insurance
  • Review your Life Insurance
  • Life Assurance covering High Risk Activities
  • Mortgage Protection for the over 60's
  • Level Term Mortgage Protection
  • Life Assurance for Business Owners
  • Keyperson Protection Insurance
  • Life Assurance for Smokers
  • Life Assurance for Ex Smokers
  • Life Insurance and Long Covid
  • Life Insurance for Vapers
  • Guaranteed Life Cover for under 40s
  • Bicycle Insurance
  • Jetski Insurance
  • Boat Insurance
  • E-Bike Insurance
  • Dinghy Insurance
  • Camera Insurance
  • Clay Pigeon Shooting Insurance
  • Sport Insurance
  • Winter Sport Insurance
  • Lifestyle Excess Insurance
  • Kitcar Insurance
  • Classic Car Insurance
  • Campervan Insurance
  • Motorbike Insurance
  • Annual Travel Insurance
  • Short Term Travel Insurance
  • Tracker Mortgages
  • Buy to Let Mortgages
  • Remortgages
  • Multi Property Buy to Let Mortgages
  • Personal Loans
  • Credit Rating & Scoring
  • Interest Free Purchase Cards
  • Interest Free Balance Transfer
  • Credit Building Cards
  • Low Income Credit Cards
  • Energy Comparison Service
  • Phones, TV and Broadband Comparison
  • Student Broadband and Fibre Offers
  • Business Gas and Electricity Offers
  • Our Student Hub
  • Temporary Car Insurance FAQ's
  • Student FAQ's
  • Car Hire Companies Reviews
  • Car Hire Insurers Reviews
  • Car Insurance Companies Reviews
  • Travel Insurers Reviews
  • Latest News from MoneyMaxim
  • Car Hire Offers
  • Car Hire Insurance Offers
  • Flight Offers
  • Ferries & Eurotunnel Offers
  • Travel Insurance Offers
  • News and Articles
  • Contact Us - online chat or email

Our Review AllClear Travel Insurance

AllClear Travel Insurance Review

Read our review of AllClear Travel Insurance. Get the reassurance you need when looking for medical conditions travel insurance

What we like:

  • Everyone with a pre existing medical condition can get cover through AllClear
  • Travelling companions as well as family covered under cancellation cover
  • Online screening even for more serious conditions
  • Can cover those with terminal conditions
  • Can cover those going abroad for medical treatment
  • Good cover for those going on a cruise

What we are not so keen on:

  • Winter sports activities covered are fewer than most
  • We have had feedback from customers that some premiums quoted are high (but also that they are the only company that will quote at all for some).

Single trip cover

AllClear have no upper age limit on their single trip policies, and come into their own when it comes to covering pre existing conditions (see our separate section). They cover a range of sports and activities which can be found here . You are also covered if a travelling companion (rather than just family) is unable to travel and you need to cancel a trip.

Annual (Multi trip) cover

Annual policies are available through AllClear for all ages for European and Worldwide cover. They cover trip lengths up to 45 days (17 for winter sports). A full list of the sports and activities they cover can be found here .

Winter Sports

The skiing cover is more limited than many companies (Off piste skiing is only covered if accompanied by an instructor or guide), and some variants of skiing or other winter activities are not covered or are loaded. If wider cover is required see our guides in our Ski section .

Backpacking and Long Stay Cover

Not a focus for Allclear, although can be covered under standard single trip policies.

Travel insurance for cruises

A major area for AllClear, and they offer some nice features such as additional cancellation cover, missed port cover and cabin confinement cover (in case of illness on board). Please refer to the geographical area definition detailed in the policy wording and, if you are travelling to a destination not listed under Europe, you must choose the appropriate worldwide destination. Ensure any activities you plan to undertake are on the approved sports lists .

Pre-existing Medical Conditions

AllClear are a major player in the pre-existing medical condition market and can offer cover for any condition. They offer full online medical screening for many conditions such as cancer, diabetes, arthritis, angina, heart disease, hypertension (high blood pressure), hypotension (low Blood pressure), gallstones, irritable bowel syndrome (IBS), asthma, stroke, osteoporosis, kidney disease and hypercholesterolaemia (high/raised cholesterol).

Terminal illness

AllClear are one of very few travel insurers to offer cover for customers with terminal prognoses. They have a designated telephone number to call during the quotation stage to ensure the cover offered to you is suitable for your specific needs.

Travel insurance if you are pregnant

In summary (check the policy for full details) the Allclear policy on pregnancy is that as long as your doctor and midwife are OK for you to travel, that the airline or cruise ship are happy to transport you and that there have been no complications then they should cover you.

This content was last reviewed on 08/06/2022

  • Products offered by this company
  • Companies offering similar products
  • Columbus Direct
  • Holiday Extras
  • Mind the Gap Year
  • MPI Brokers
  • Staysure Insurance
  • Worldwide Insure

Moneymaxim aims to inform its visitors through its journalistic sourced information, but things change rapidly in our market and we cannot guarantee everything will be perfectly up to date. Please do be aware you use the information at your own risk, that the information provided is not financial advice and that your own independent research is essential to make sure that any product or service used is right for your circumstances. We cannot accept liability for any decision you take as a result of information provided on moneymaxim. This service is free to you but to operate this service moneymaxim may receive commissions from the partners you are referred to.

Moneymaximiser Limited trading as moneymaxim is authorised and regulated by the Financial Conduct Authority (FCA FRN 496690). Moneymaximiser Limited, registered in England No. 6706021. Registered Office: 8 Market House, 19-21 Market Place, Wokingham, Berkshire, RG40 1AP. Telephone 01183 218197.

Copyright 2010 – 2024 Moneymaximiser Limited. All rights reserved.


The Independent’s journalism is supported by our readers. When you purchase through links on our site, we may earn commission. Why trust us?

Best travel insurance UK 2024 guide

allclear travel

We all deserve a break now and then. And the last thing you want to think of when booking your holiday is something going wrong. But it’s better to be prepared than caught off guard. That’s why you should always consider travel insurance when going on a trip.

But how can you find the best travel insurance policy for your needs? Read our guide below to find out more.

Why do I need travel insurance?

Travel insurance protects you financially if your trip away doesn’t go as planned and you incur unexpected expenses for delays, losses or medical treatment.

All travellers can benefit from travel insurance. But travel insurance is particularly important if you are going on an independent trip without a tour operator, because if something goes wrong, you will have no other help.

There are three main types of travel insurance:

  • Single-trip cover: this is the most typical form of travel insurance, covering you for a one-off trip or holiday. There will be a time limit on the cover that can range anywhere between one month and 365 days
  • Annual multi-trip cover: this allows you to make multiple trips, or have multiple holidays, in a 12-month period, all under the same travel insurance policy. There may be a cap on how long each individual trip can be
  • Long stay, or backpacker, cover: this is normally used for around the world trips, gap years, and longer cruises, and can last for up to 18 months

To find the best UK travel insurance, compare policies before you go to ensure you get the right coverage for you and the specific trip you’re planning.

How to find the best travel insurance policy


When comparing policies to find the best travel insurance for your trip, you should consider: 

  • Type of cover you need
  • Excess (how much you’ll be expected to pay out yourself before the policy will cover you)
  • Amount of medical coverage, and why pre-existing conditions aren’t included
  • Limit on baggage claims
  • Coverage for specific sports and activities
  • Any potential rewards and discounts
  • Add-ons, such as gadget insurance

Best travel insurance deals and discounts

Looking for the best travel insurance deals from the best travel insurance companies? In most cases, the easiest way to find the best travel insurance deals is to use a comparison website. Travel insurance comparison websites let you compare costs and coverage side by side to find the best UK travel insurance.

The four main comparison websites – Moneysupermarket, Comparethemarket, and GoCompare – also often have certain deals and discounts when you buy travel insurance from them, offering some of the best travel insurance deals on the market.

Moneysupermarket : Find the same deal for less, and it will price match and give you a choice of a £20 gift card. Only on annual travel insurance.

Comparethemarket : Two for one cinema tickets with Meerkat Movies and savings at restaurants when you dine out or order pizza in with Meerkat Meals, as well as 25 per cent off coffee and pastries at Caffè Nero every day of the week through the Meerkat app.

(In November 2023, and GoCompare had no deals or discounts for travel insurance).

Price is obviously a big consideration when you are looking for the best travel insurance – you’ve probably already spent a lot on your holiday. But you may be able to get much better coverage for just a few pounds extra, so it’s worth scrolling down the comparison site’s list of providers before buying.

Medical costs abroad will undoubtedly be the biggest expense you face if you fall ill abroad, so don’t scrimp on those.

Then think about your next biggest expense (probably cancellation/interruption of your trip) and make sure that you have high-value coverage for that.

If you find you can get much higher coverage (the maximum amount you can claim per type of claim, such as medical or baggage) for not very much more money, go for the slightly more expensive option.

Going direct

Comparison sites won’t always find you the cheapest deals, however. For example, Direct Line offers some of the best travel insurance with Covid cover and is not on comparison websites.

Some of the best travel insurance companies also offer discounts for buying directly from them, as follows:

Bundled coverage options

When looking for the best travel insurance for your holiday, it can make sense to buy a bundle of coverage under one policy.

Comparison websites will often offer add-on gadget cover, winter sports cover or cruise cover all under the one policy. If you need that extra cover, it is typically cheaper to buy your travel insurance this way rather than as separate policies.

What is covered by travel insurance?

The best travel insurance companies will offer you comprehensive coverage across all types of claims. It’s easy to compare the best travel insurance deals using a comparison website.

Medical coverage

This covers you for medical expenses you incur if you become ill or have an accident while away. The best UK travel insurance will have a high level of medical coverage.

For example, medical coverage will pay for any necessary treatment if you come down with severe food poisoning or you fall through a window and have to be taken to hospital in an ambulance.

  • Avoid hefty bills or debt for medical assistance outside the UK
  • Access better treatment – for example, at private vs public hospitals
  • Often, as long as you declare existing conditions or pending treatment or tests, you are covered if you fall ill during your trip (check policy exclusions)
  • Even the best travel insurance companies will likely charge you more if you have a pre-existing medical condition
  • You might have to pay part or all your medical expenses first, then claim on the policy afterwards
  • Even the best travel insurance companies do not cover events that happen after you have consumed alcohol excessively or taken recreational drugs or other substances

Trip cancellation/interruption

This insurance pays out the cost of your missed trip if you have to cancel or cut your holiday short due to unforeseen circumstances.

Young woman in international airport looking at the flight information board, holding passport in her hand, checking her flight

For example, cancellation insurance would normally pay out if you broke your leg just before you were due to travel and had to cancel your trip.

Interruption insurance would cover you if you had to come home early for certain reasons beyond your control – for example, if the area you were staying in was engulfed in wildfires.

  • Money you would have lost on pre-paid, non-refundable travel expenses is paid to you under the policy
  • It can be especially valuable if the trip you are planning is very expensive, as this is money you would lose if you couldn’t go
  • You’ll usually only be covered if your trip is cancelled or cut short for specific reasons listed in your policy
  • You usually won’t be covered if you miss your flight because you are held by customs or cancel because of a work issue or a pre-existing medical condition that is not covered

Baggage cover

This insurance covers the cost of replacing your luggage if it is lost or stolen.

For example, if an airline loses your luggage in transit or your suitcase is stolen from your hostel while you’re away, you can make a claim for the cost of replacing its contents.

You may also be able to claim for costs related to baggage delay if the airline temporarily misplaced your baggage.

  • You can claim for the actual cash value of your belongings or the cost of replacing them (whichever is less)
  • High-value items, such as jewellery or sports equipment, can be very expensive to replace without travel insurance
  • Standard policies usually place per item and total limits on claims.
  • If you are taking very expensive items away, check your policy carefully to ensure that you’re covered (and potentially get a separate policy)
  • Some items could be covered by your home insurance policy, so check your policy carefully to see what is any isn’t. It’s also important to note that, should a lost item be covered by both policies, you can only claim once; an attempt to claim twice would be considered fraud

Personal liability

This insurance covers you if you are held responsible for harming another person or damaging their property.

For example, it covers you in situations where you cause serious damage to your holiday accommodation or accidentally stumble into someone else, causing them to need medical treatment.

  • The cost of defending yourself in a legal case or repairing/replacing damage could be extremely costly without travel insurance
  • Your travel insurance company will take over dealing with a foreign legal system
  • You’re covered for the cost of any compensation (up to certain limits)


  • Not all travel insurance provides personal liability as standard
  • Policies may exclude personal liability while you partake in adventure activities
  • Claims related to you committing a crime or damage by wilful negligence won’t be covered
  • You likely will not be covered if you admit liability or make an offer to pay before talking to your insurer

Finding the best travel insurance with Covid cover

Looking for the best travel insurance with Covid cover? Many travel insurance policies now include cancellation cover for reasons related to Covid. This often applies within two weeks of being due to travel, according to the Association of British Insurers, but individual policies can vary.

To make a claim, insurers often require proof in the form of a medically approved positive Covid test. A lateral flow test or self-diagnosis is usually not accepted.

What Covid-related cover to look for

The best travel insurance with Covid cover should include the following:

  • Cover if you can’t start your trip because you tested positive for Covid before travelling
  • Cover if you or family members cannot return home because you/they test positive for Covid during the holiday
  • Cover for additional costs, such as alternative flights, accommodation and Covid tests
  • Cover if you cannot reach your final destination during transit due to Covid-19

Travel insurance providers with comprehensive Covid cover

Looking for the best travel insurance providers with Covid cover? Most travel insurance policies now offer some kind of Covid cover, but Churchill, Direct Line, M&S and Aviva have some of the most comprehensive offerings, with cover for cancellations and expenses related to Covid.

allclear travel

  • Covid covered as standard on travel insurance policies
  • Cover for trip cancellations if you, a close relative or a travelling companion is diagnosed with Covid-19 or another pandemic disease
  • Cover if you or a person you’re planning to stay with must quarantine (abroad or in the UK)
  • Cover if you can’t use pre-booked and pre-paid accommodation affected by Covid-19
  • Cover for quarantine or where the Foreign, Commonwealth & Development Office (FCDO) advises against travel within 28 days of departure
  • Cover for emergency medical expenses abroad due to Covid-19

Direct Line

allclear travel

  • Cover for travel to a destination where the FCDO is advising against all but essential travel 
  • Cover for medical expenses if you catch Covid-19 while you’re away 
  • Cover for additional accommodation and transport if you have to quarantine due to Covid
  • Cover for cancellation costs if you or a close relative get Covid-19 before you go
  • Cover for quarantine or if the FCDO changes its advice after you book your trip
  • Cover if you have to cut your trip short if the FCDO changes its country advice unexpectedly

allclear travel

  • Cover for emergency medical expenses if you catch Covid-19 during your trip
  • Cover for unrecoverable costs up to £6,000 if you must cancel your trip or return early, including if you have to self-isolate or quarantine before you travel due to Covid-19
  • Cover for if you need to cancel your trip due to a positive Covid-19 test or if the FCDO advise against travel to your destination in the 31 days leading up to your trip
  • Providing you haven’t travelled against FCDO advice, you’ll also be covered if you catch Covid-19 while abroad

allclear travel

  • Coverage of up to £5,000 per person if you must cancel your trip due to getting Covid (you’ll need to provide confirmation and evidence of a positive test result)
  • Cover for Covid-related emergency medical treatment and expenses while away
  • Cover if you unexpectedly need to quarantine, including extra travel and accommodation costs to get home (provided a return trip was booked) 
  • Cover for costs for any accommodation and excursions unused due to getting Covid where the costs can’t be recovered elsewhere
  • No cover you if you travel against FCDO advice*
  • No cover if you can’t travel because you don’t meet the entry requirements of a country (such as having had Covid vaccinations)*

* It’s worth noting that these clauses are not unusual and the majority of providers will have something similar

Tips for selecting the best UK travel insurance packages

Need some help picking the best UK travel insurance packages to make sure that you get the best travel insurance deals? Here are some tips for picking the best policy features for you.

Coverage limits

When looking for the best travel insurance companies to go with, check coverage limits. These are the maximum amounts your travel insurer will pay if you need to claim. You’ll see when you compare travel insurance policies that coverage limits vary for each type of claim and between policies.

The government-backed MoneyHelper website recommends that the best UK travel insurance should have the following minimum coverage for each type of claim:

  • Medical: £1m or more for travel to Europe and £2m or more for the US
  • Cancellation/interruption: £2,000 or more
  • Missed departure: £500 or more
  • Delay: £200 or more
  • Baggage cover: £1,500 or more
  • Personal liability cover: £2 million or more


Deductibles, also known as the excess, is the amount you have to pay out of your own pocket before your travel insurance will start paying for your claim.

You have to make a trade-off when it comes to choosing the excess and the best travel insurance policy for you.

The lower the excess on a travel insurance policy, the better for you if you have to claim because you will have less to pay from your own pocket (or, more often, deducted from your claim).

But lower excess travel insurance policies are more expensive because the insurer knows it has more to pay out if you claim. Higher excess policies are cheaper, but you’ll have more deducted from your claim.

An exclusion on a travel insurance policy is an event the policy will not cover you for.

Common exclusions on a standard travel insurance policy may not be obvious. According to the ABTA – The Travel Association, these include:

  • Incidents that occur after drinking too much alcohol or taking drugs
  • Theft of unattended possessions
  • Sports, extreme sports and activities such as skiing, white water rafting and bungee jumping
  • Medical treatment resulting from existing medical conditions you have not declared or conditions preventable by vaccine or advisable medication, such as antimalarials
  • Medical costs if you stay abroad after your doctor says you are fit to return to the UK
  • Strikes and industrial action if it was known when you booked your trip
  • Rescheduled flights where the airline has cancelled and then rescheduled your flight
  • Travel to destinations where the FCDO advises against all but essential travel

To get the best travel insurance deals, one way around some of these exclusions is to buy add-ons for adventure activities. In addition, make sure to declare all pre-existing conditions and keep an eye out for any travel disruptions before you book.

Pre-existing conditions

Pre-existing conditions are illnesses or medical conditions you have and are aware of before you travel.

Travel insurance companies will ask you to disclose any pre-existing conditions. If you use a comparison website, it will be among the first questions you’re asked before it shows you quotes. It’s important to be honest.

Some travel insurance companies, but not all, will offer cover for pre-existing medical conditions, while others will offer cover but exclude any claims arising from that medical condition. This will depend on the person being covered and the medical condition.

Most price comparison websites include an option to show insurers who do offer coverage for pre-existing conditions, so that would be a good place to start.

The following are likely to be considered pre-existing conditions you should disclose, according to the government-backed MoneyHelper website:

  • A condition where you are on a list for an operation
  • A condition where you are waiting for test results
  • Anything you have been to the doctor about in the last year, including minor things
  • Any serious conditions you’ve ever had – for example, cancer, heart trouble, respiratory problems or a mental health breakdown

A good tip for everyone, but especially if you have a pre-existing condition, is to buy your travel insurance as soon as you book your holiday. If your condition gets worse and forces you to cancel your plans, you’ll be covered from the day the policy starts.

On family group policies, the cost will be determined based on the riskiest traveller (according to insurers), which could be someone with a pre-existing condition or an older individual. In this case, it is often cheaper for the group for that person to get a separate policy.

Add-on options

Add-ons are extras you can purchase in addition to a standard travel insurance policy. They cost a bit more, but you may find you’re not covered without them. 

Gadget insurance

This covers things that a standard policy may not, such as your mobile phone or laptop. If these items are covered, you may find the claim limits are far less than the cost of replacing them.

Close-up of a person holding a phone taking a picture of a beaut

Before you add this option to your travel insurance, check your home insurance policy, because you may already be covered.

Winter sports/adventure activities

Riskier activities, such as skiing or white water rafting, often require extra holiday insurance because insurers think that you are more likely to need to make a claim doing these things.

Winter sports/adventure activities cover is worth getting, or you may find you are not covered for medical expenses if something goes wrong.

Standard travel insurance is generally meant for land-based holidays so you’ll need to opt for a specialist cruise policy if your holiday is a cruise.

European FCDO travel advice extension

Most standard travel insurance policies are invalid if you travel when the FCDO advises against “all but essential travel”.

This add-on allows you to travel to Europe with a valid travel insurance policy, even if the FCDO has advised against it.

This can be an expensive add-on, but if you really must travel to a risky area, you will need this extension in order to make sure you have cover.

Best holiday insurance summary

Choosing the right travel insurance is an essential part of enjoying peace of mind while you are on holiday.

When looking for the best travel insurance deals, don’t just pick the cheapest policy. Instead, look for the cover limits that match your requirements. For example, baggage cover of £5,000 isn’t worth having if your baggage is worth £1,000; cancellation cover up to £10,000 isn’t worth having if your holiday cost you £2,000.

The easiest way to compare the best travel insurance is usually by using a travel insurance comparison website.

Think about the sort of activities you’ll be doing while you’re away. You may need extra holiday insurance for things such as winter sports or scuba diving or if you are going on a cruise.

Be honest about any pre-existing conditions when buying your travel insurance, or you won’t be covered if you have to claim.

The best travel insurance is a safety net for you and your family to enjoy your trip away stress-free, knowing that you’re covered for everything from medical expenses to cancellations if things go wrong.

Frequently asked questions about the best travel insurance UK packages

Is travel insurance necessary for domestic travel within the uk.

Even where medical costs in the UK are covered by the NHS, a sudden illness could lead to other expenses, forcing you to cancel your trip, the costs of which travel insurance would cover.

Lost or stolen luggage and broken gadgets or other claims for damage can just as easily occur in the UK as abroad.

What is annual travel insurance, and is it a good option for frequent travellers?

Annual travel insurance is a policy that covers you for multiple trips away within any 12-month period. It is often cheaper than buying a separate policy for each trip if you are planning to go away multiple times in one year.

Annual travel insurance is also useful if you are planning a long trip visiting several countries, as often insurers require you to buy travel insurance before you leave the UK rather than abroad mid-trip.

Are there any travel insurance companies that specialise in certain types of trips or travellers?

Specialist travel insurers cater to specific groups of people. It can make sense to seek out travel insurers that cover your needs.

Adventures Insurance, Sports Cover Direct and Snowcard tailor their travel insurance to those who enjoy activity holidays and extreme sports, for example.

Senior travellers are the focus of policies from All Clear, Avanti, Co-op Insurance Services, Free Spirit Flex, Good 2 Go Extra, Goodtogo Insurance, Saga, Staysure and Total Travel Protection.

Insurers offering business trip cover include Allianz, Direct Line, Coverwise and Insure & Go.

How do I make a claim with my travel insurance company?

To claim on your travel insurance while you are away, make sure that you take your policy number with you and the emergency number for your insurer. If you are travelling abroad, take any international numbers too.

Call your insurer as soon as you realise you need to make a claim. Keep all receipts and medical expense forms. If you are travelling with other people, make them aware of your policy details and the insurer’s phone number in case they need to call on your behalf.

To make a claim when you return home, check the following:

  • You haven’t left it too late to make a claim
  • What you’re claiming for is covered
  • The excess is not more than the value of your claim (if so, it’s not worth claiming)

Notify your insurer as soon as possible for a claim form, send it back fast and keep a copy of it. You should also include copies of paperwork to support your claim, such as receipts or medical certificates (keep copies of the originals in case your claim is queried or refused).

Laura Miller round image

Laura Miller

Laura Miller is a freelance journalist, editor, and producer. She has a wealth of consumer finance experience, having written about money matters and business for over 15 years.

During her tenure as a freelance writer, she has worked for ITN, Wired, and The Sunday Times, as well as financial institutions such as Aegon, the Chartered Insurance Institute, and Pension Bee, where she’s presenter of the Pension Confident Podcast.

Laura has previously held roles at The Times, where she was the Acting Editor of Times Money Mentor, The Telegraph as a senior finance reporter and was the co-host of the It’s Your Money Podcast, which was renowned for making complex finance issues accessible, and The Financial Times, where she worked as a News Editor. Laura has also worked at CNN,, and as a producer at Radio 5 Live.

Connor Campbell new profile April 2024

Connor Campbell

Connor Campbell is an experienced personal and business finance writer who has been producing online content for almost a decade. 

Connor is the personal finance expert for Independent Advisor, guiding readers through everything they need to know about car insurance and home insurance. From how much it costs to the best insurance providers in the UK, he’s here to help you find the right policy for your needs. 

In his capacity as writer and spokesperson at NerdWallet , Connor explored a number of topics close to his heart, such as the impact of our increasingly cashless society, and the hardships and heroics of British entrepreneurs. His commentary was featured in sites such as The Mirror , the Daily Express and Business Insider . 

At financial trading firm Spreadex, meanwhile, his market commentary was featured in outlets such as The Guardian , BBC , Reuters and the Evening Standard . 

Connor is a voracious reader with an MA in English, and is dedicated to making life’s financial decisions a little bit easier by doing away with jargon and needless complexity.

  • Best home insurance
  • Best life insurance
  • Best pet insurance
  • Car insurance
  • Home insurance guide
  • Buildings insurance
  • Contents insurance
  • Home insurance glossary
  • Admiral home insurance review
  • Aviva home insurance review
  • AXA home insurance review
  • Churchill home insurance review
  • Compare the market review
  • Direct Line home insurance review
  • Esure home insurance review
  • LV home insurance review
  • More Than home insurance review
  • Policy Expert home insurance review
  • Rias home insurance review
  • How we cover home insurance companies

The Independent Advisor brand is operated by 3S Media International Limited. 3S Media International Ltd is an introducer appointed representative of Financial Group Limited, which is authorised and regulated by the Financial Conduct Authority (FCA FRN 303190).

Cookie Consent Policy

We use cookies to improve user experience, and analyse website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking 'Accept all cookies,' you consent to store on your device all the technologies described in our Cookie Policy. You can change your cookie settings at any time by clicking 'Cookie Preferences.'

Motability Enterprises Limited Logo

  • Introducing Insurance

AllClear Travel Insurance

allclear travel

If you are living with a disability, you may have a few more considerations when it comes to travelling.

AllClear believe that having a mobility problem should not stop you from taking a trip. As a specialist medical travel insurance provider, AllClear offers a wide range of policies to people that may not be able to get cover elsewhere, helping you and your loved ones travel with confidence.

To help keep you safe on your travels, AllClear’s specialist mobility travel insurance also includes Covid cover for free.

For more information and a free quotation, please call 0808 164 1807 or visit the AllClear Motability website .

Here's what other travellers have to say about AllClear

"I have several previous known health conditions to declare.  Time is taken to go through all the questions. 

"Good information is given to enable the customer to choose the right policy. Good communication by the agent." AllClear customer: Mrs. Anne Lee, source: Trustpilot review, 31 August 2023. 

AllClear have helped cover over 3 million people. If you choose to use them, you too you can benefit from:

  • Coronavirus cover that has been rated 'Superior' by a leading independent UK consumer champion
  • All pre-existing medical conditions considered
  • Cancellation cover available with no upper age limit.

A photo of a man smiling.

“Everyone should have the opportunity to enjoy the sense of freedom travel brings, no matter their age or medical conditions. ”
  • Up to 20% 1 of your premium contribution to the Motability Foundation when you buy a policy
  • Up to £15M emergency medical expenses cover
  • Up to £2.5K to cover costs should you lose or damage your mobility aid while travelling
  • Up to £1,000 2 in total for the costs of extra accommodation and transport to replace your original carer should they need to cancel or cut short their trip
  • Up to £25K 3 cancellation cover
  • Repatriation cover to bring you back to the UK
  • 24/7 English speaking emergency medical helpline
  • Up to £3K personal belongings cover
  • AllClear will make a contribution to Motability Enterprises Ltd of up to 20% of your premium. These funds are used by the Motability Foundation to help disabled people with their personal mobility. IPT (Insurance Premium Tax) is charged at 20% and is included in the total premium that you pay. There is no additional cost to you the customer.
  • Providing your carer is insured on the same policy as you. Applies to AllClear Gold and Gold Plus policies only.
  • Providing you have purchased a policy that includes cancellation cover.

It is time you travelled with the UK's Most Trusted Travel Insurance Provider* Get your Quote today!

If you wish to have a carefree trip when travelling with a mobility issue, speak to one of our specialists today and discover more of the great benefits of AllClear cover.

* Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 40,000 reviews as of September 2023.

Motability Enterprises Limited (a wholly owned subsidiary of Motability) is an Introducer Appointed Representative (Firm Reference Number 538055) of AllClear Insurance Services Limited. Motability operating as Motability Foundation. AllClear Travel Insurance is arranged by IES Limited, trading as AllClear, which is registered in Gibraltar company number 117274. Registered Office: 1st Floor, Portland House, Glacis Road, Gibraltar, GX11 1AA. IES Limited is licensed and regulated by the Gibraltar Financial Services Commission number FSC25393 and trades into the UK on a freedom of services basis, FCA FRN 824283. AllClear Travel Insurance is administered by AllClear Insurance Services Limited, registered in England No. 04255112. Registered Office: AllClear House, 1 Redwing Court, Ashton Road, Romford, RM3 8QQ. Authorised and Regulated by the Financial Conduct Authority firm reference number 311244. AllClear is a registered trademark.

allclear travel

Contact details

For more information and a free quotation call or visit AllClear's website. 


Freephone our UK Team

0800 072 6778

Sales & Service

Monday to Friday: 8:30am to 8pm Saturday: 9am to 5:30pm Sunday: 10am to 5:00pm

Monday to Friday: 9am to 7pm Saturday: 9am to 5:30pm

Bank Holiday Opening Hours:

6th May: 9am-5pm 27th May: 9am-5pm

Travel Insurance

Medical travel insurance

Seniors travel insurance

Europe travel insurance, worldwide travel insurance, coronavirus travel insurance, insureandgo.

  • Unlimited medical emergency expenses¹
  • Up to £10K cancellation cover
  • 24/7 emergency medical helpline

which best buy feb 2024

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

Why choose InsureandGo?

5 Star Defaqto rated products

27M+ travellers covered since 2000

99% of customers would recommend us 2

24/7 emergency medical assistance

All medical conditions considered

No upper age limit on all policy types

100+ sports and activities covered

99%+ of all claims paid within 5 working days 3

Comprehensive cover with 5-Star products and service

Our Black level policy has been rated 5-Star by the independent experts at Defaqto since 2011. Both our Gold and Black policies are rated 5-Star, meaning they offer some of the most comprehensive travel insurance cover available.

Which policy suits you?

Annual multi-trip travel insurance from £50.93 4.

Covering all of your trips whenever you want to travel in the next 12 months

  • Cover for an unlimited number of trips
  • 365 days cover
  • Flexibility to travel wherever you want in the United Kingdom, Europe or Worldwide

allclear travel

Single trip travel insurance from £7.00 5

Covering you for one trip whether a weekend break or a month long getaway

  • Cover for one trip to your chosen countries

InsureandGo's cover for your travel needs

Seniors travel insurance

Over 70s travel insurance

No upper age limits

At InsureandGo, we think travel insurance should be available to as many people as possible.

Both our single trip travel insurance and annual multi-trip travel insurance have no upper age limit.

allclear travel

Cover for medical conditions

Travel with freedom, knowing you are covered for your pre-existing medical conditions. Our medical travel insurance covers many conditions free of charge. But it's important to tell us about them before you buy your policy.

Serious medical condition?

Do you have a serious medical condition that may benefit from being insured by a specialist provider?

If so, you can click here to view a directory of specialist medical providers, or call 0800 138 7777 .

InsureandGo policies tailored to suit you

Aside from the policy essentials, we also offer a range of upgrades so that you can tailor your holiday cover depending on what you'll be doing abroad and what you might be taking with you. These optional upgrades include:

allclear travel

Winter sports - if you're off to the slopes, you'll need to add winter sports insurance. Cover can be added to single trips or for up to 17 days on annual multi-trip policies.

allclear travel

Extreme sports travel insurance - you can add cover for any hazardous activities you have planned, from canyon swinging to sky diving.

allclear travel

Gadget and valuable - all policies include baggage cover, but you can add this cover if you're taking something particularly valuable away with you, such as a laptop.

allclear travel

Business cover - will provide cover during your business trip for work equipment, accidents, illness, flight cancellations and more.

Ready to get your travel insurance sorted?

Get your travel insurance

  • Unlimited emergency medical expenses available on Black policies.
  • Based on 2,050 responses, correct as of 22/01/2024
  • 99%+ is based on non-assistance claims approved for payment during October 2022 to October 2023. 5 working day window commences when insurers have received all relevant information and documentation to confirm claims cover.
  • Price stated is for a 47 year old with no medical conditions for a Silver Annual Multi-trip cover to Europe. Price is correct as at 28/02/2023 with 10% off base price discount applied.
  • Price stated is for a 47 year old with no medical conditions for a Silver Single 3 day trip to France. Price is correct as at 28/02/2023 with 10% off base price discount applied.
  • InsureandGo’s Gold achieved a Which? Best Buy.


  1. AllClear Travel Insurance Promo Codes May 2024

    allclear travel

  2. AllClear Travel Insurance for stroke survivors

    allclear travel

  3. AllClear Travel Insurance 2020 TV Advert

    allclear travel

  4. AllClear Travel Insurance 2023 TV Advert

    allclear travel

  5. AllClear Travel Ireland

    allclear travel

  6. 20% Off AllClear Travel Insurance UK PROMO CODE, Coupons 2023

    allclear travel


  1. Ian's Story

  2. Denise's Story

  3. A skyline view of Venice in Italy


  1. AllClear Travel

    All destinations. Voted UK's No.1 for Customer Care 1. Up to £25K cancellation cover. Up to unlimited emergency medical and repatriation cover for all medical conditions with a 24/7 helpline. Call Free 0800 848 8608. or. Get Quote Online.

  2. UK Travel Insurance

    A UK travel insurance policy means you can travel with confidence in the UK. Most importantly, you'll be covered if you have to cancel or cut short your holiday due to a medical emergency, as long as you've got pre-booked accommodation. When you're actually on your holiday, any medical treatment you need in the UK (England, Wales ...

  3. Travel Insurance With Pre-Existing Medical Conditions

    AllClear cover up to unlimited costs for emergency treatment, including treatment for ongoing medical issues. Cover for cancellation due to a pre-existing medical condition. You can also be covered for up to £25K if you need to cancel your holiday because of your medical condition, or a complication related to it. Repatriation costs.

  4. Contact us

    To obtain a quote through our UK call centre for an AllClear Gold, AllClear Gold Plus or AllClear Platinum policy please call 0800 848 8608. ... AllClear Travel Insurance is administered by AllClear Insurance Services Limited, registered in England No. 04255112. Registered Office: AllClear House, 1 Redwing Court, Ashton Road, Romford, RM3 8QQ. ...

  5. All Clear travel insurance review

    The latest data from the Financial Conduct Authority shows that All Clear's underwriter - Zurich - paid 85-90% of claims made on annual worldwide policies, and 80-85% of claims made on annual European and single-trip policies in 2022. These were higher than the average acceptance rates of 82%, 76% and 73% respectively.

  6. AllClear Travel Insurance Reviews

    Our emergency medical assistance team are available 24/7. All policies cover medical expenses and repatriation. Speak with our UK-based expert agents. Freephone 0800 848 8608 and plan holidays with peace of mind today. AllClear Travel Insurance has 5 stars! Check out what 140,233 people have written so far, and share your own experience.

  7. Best travel insurance UK 2024: companies and polices rated

    Read our full All Clear travel insurance review. Insure and Go - Black. 77% policy score - joint 10th out of 161 policies rated. We like: If you're covering a very expensive trip, the Black policy has one of the highest cover limits for costs if you have to cancel - £10,000. You also don't pay excesses.

  8. Travel Insurance Service

    AllClear Travel Insurance is administered by AllClear Insurance Services Limited, registered in England No. 04255112. Registered Office: AllClear House, 1 Redwing Court, Ashton Road, Romford, RM3 8QQ.

  9. AllClear

    In partnership with AllClear - Voted UK's No.1 for Customer Care, a specialist Medical Travel Insurance provider, Age Co has launched a new Travel Insurance offer aimed at older travellers and ...

  10. AllClear travel insurance review 2024

    No reviews yet. Write a review. Finding the right travel insurance cover when you have medical issues to cater for isn't an easy task. AllClear is a platform where you can get quotes and compare specialist policies. It offers travel insurance for any age, and a range of conditions and destinations so you can enjoy your holiday worry-free.

  11. Am I eligible for cover with AllClear?

    AllClear Travel Insurance is arranged by IES Limited, which is registered in Gibraltar company number 117274. Registered Office: 1st Floor, Portland House, Glacis Road, Gibraltar, GX11 1AA. IES Limited is licensed and regulated by the Gibraltar Financial Services Commission number FSC25393 and trades into the UK on a freedom of services basis ...

  12. AllClear

    The experts say: All Clear specialise in providing travel insurance for customers with pre-existing medical conditions. Their Platinum policy ranks highly with Which?, scoring an impressive 72%, and features Covid Cover rated as "Superior". All Clear Platinum offers a generous £15 million in Medical Expenses cover, plus £3,000 and £5,000 in ...

  13. AllClear Travel Insurance Reviews

    Super support from the AllClear helpline. The AllClear helpline was superb. The phone was answered by a very friendly Supporter, who provided all the answers I needed and sent the documents I asked for immediately. I rarely provide reviews, but the support I got was so good, I'm doing it this time. Date of experience: 19 May 2024

  14. We review AllClear Travel Insurance

    Everyone with a pre existing medical condition can get cover through AllClear. Travelling companions as well as family covered under cancellation cover. Online screening even for more serious conditions. Can cover those with terminal conditions. Can cover those going abroad for medical treatment. Good cover for those going on a cruise.

  15. Best travel insurance UK 2024 guide

    Senior travellers are the focus of policies from All Clear, Avanti, Co-op Insurance Services, Free Spirit Flex, Good 2 Go Extra, Goodtogo Insurance, Saga, Staysure and Total Travel Protection.

  16. Motability Enterprises

    AllClear will make a contribution to Motability Enterprises Ltd of up to 20% of your premium. These funds are used by the Motability Foundation to help disabled people with their personal mobility. IPT (Insurance Premium Tax) is charged at 20% and is included in the total premium that you pay. There is no additional cost to you the customer.

  17. Travel Insurance customers

    Telephone the AllClear call centre: 01708 339 059. Lines are open: Monday to Saturday , 9am to 5.30pm; Sunday, 10am to 5pm (excluding bank holidays). If you need assistance while on holiday: Telephone Zurich Assist. Outside UK: +44 (0)203 467 4122. UK-based emergencies: 0203 467 4122. Lines are open 24/7.

  18. InsureandGo: Comprehensive, Trusted Travel Insurance Coverage

    Annual multi-trip travel insurance from £50.93 4. Covering all of your trips whenever you want to travel in the next 12 months. Cover for an unlimited number of trips. 365 days cover. Flexibility to travel wherever you want in the United Kingdom, Europe or Worldwide. Get annual multi-trip cover.

  19. Compare Cheap Travel Insurance from £2.20

    COMPARE TRAVEL INSURANCE QUOTES FROM JUST £2.20^. Start a quote Go to your account. Find cover for pre-existing medical conditions. Plus, enjoy fantastic rewards, on us*. ^ Based on Compare the Market data for a single trip travel policy for a 20 year old with no pre-existing medical conditions travelling in Europe for 2 nights.