AllClear Travel Insurance

AllClear Travel Insurance: medical travel insurance for pre-existing conditions

AllClear Travel Insurance is an Australian company specializing in travel insurance with medical cover. Its focus is on travellers with pre-existing health conditions and on customers of all ages, with no upper age limit. The company offers policies tailored to different profiles and types of travel, and serves its customers through a call centre in Australia.

Specialization in pre-existing medical conditions

The insurer offers comprehensive cover for a broad list of pre-existing conditions, including cancer, heart disease, epilepsy, high blood pressure, disability, asthma, atrial fibrillation, mental health conditions, strokes, diabetes, COPD and terminal illness. This specialization allows people who are often excluded from standard policies to access travel insurance.

Cover by age and type of travel

AllClear offers policies for all age ranges, with products specifically for those over 50, 60, 65, 70, 75, 80 and 85. In terms of duration, it offers Single Trip insurance and Annual Multi-Trip insurance covering all trips taken within a twelve-month period. It also provides specialist cover for cruises, both ocean and river.

Cover levels and maximum benefits

The company structures its offering into three levels: Gold Plus, Gold and Traveller. The Traveller product is only available for single trip policies. All three levels include unlimited emergency medical expenses and repatriation, as well as personal liability up to $2,000,000 and legal expenses up to $25,000. The differences between levels are seen in cancellation cover and protection of personal belongings: Gold Plus offers unlimited cancellation and $10,000 for personal belongings; Gold, unlimited cancellation and $7,000; Traveller, cancellation up to $10,000 and $3,000 for personal belongings.

Complementary services and optional extras

The insurer allows policies to be customized with add-ons such as winter sports cover (snowboarding, skiing or sledding), golf insurance covering equipment and green fees, and the option to adjust the excess: customers can choose to pay no excess in the event of a claim or double it in exchange for a reduced premium. It also offers the option to protect travel companions if they cannot travel due to the policyholder's medical conditions. Cruise insurance is its best-selling product, followed by excess adjustment and cover for travel companions.

Destinations covered

AllClear offers cover for international and domestic travel. International destinations include Asia (Bali, Japan, Thailand, Vietnam, the Philippines, Singapore), the Pacific (Fiji, New Zealand), Europe (Italy, United Kingdom), the United States, Canada and worldwide cover. It also offers insurance for travel within Australia.

Awards and ratings

The company has received several industry awards. In 2026 it won the WeMoney Awards in the Best for Specialist Cover category, an award it had already won in 2025. In 2025 it also received the Mozo Experts Choice Award for exceptional value in cruise travel insurance and the WeMoney Award for best seniors cover. It was also a finalist in the WeMoney Awards 2026 in the Best for Seniors Travel Insurance and travel insurance quality categories, and a finalist in the Finder Awards 2025 for innovation in travel and insurance. According to a post-purchase survey conducted between 2025 and 2026 with 2,051 responses, 96% of customers rated the service as excellent or very good, 99% would recommend AllClear to family and friends and 99.6% would buy again.

Purchase process and customer service

Purchase is completed in three steps: obtaining an online quote by providing personal details and trip details, selecting and customizing the cover level, and buying the policy. The company has a call centre in Australia and a 24/7 emergency medical helpline. Telephone service hours are Monday to Friday 9:00 to 17:00 (AEDT), with Saturdays and Sundays closed.

Relevant alerts and exclusions

The insurer publishes travel alerts, such as the ongoing conflict in the Middle East or volcanic activity at Anak Krakatau in Indonesia. Policies exclude claims arising from war, civil unrest or armed conflict, and do not provide cover for travel to Israel, Palestinian Territory, Bahrain, Iran, Iraq, Kuwait, Lebanon, Syria, Yemen or any country or region subject to international sanctions or a Do Not Travel warning issued by the Australian Government (Smartraveller).