As a person who loves traveling, I know the importance of having good traveling insurance. Before choosing a traveling insurance company, checking their reviews is super important. These reviews give you a clear picture of what each policy offers and how well they work. You want to make sure you’re protected when you go on adventures.
So, in this guide, I will give you a complete review of AllClear travel insurance plans. Let’s dive in!
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A brief history of AllClear travel insurance
Table of Contents
AllClear Travel Insurance is an insurance provider that provides coverage for customers with pre-existing medical conditions. The company was founded in 2000 in Brentwood, Essex, with a straightforward mission: “To help anyone with medical conditions to get the insurance they want and need.”
The company’s roots are in specialty medical travel insurance for people over the age of 50. This form of insurance was limited and expensive if available in the 2000s. Today, AllClear travel insurance is still a shining beacon in the field of specialty medical travel insurance, growing from strength to strength. Before we get into more detail about AllClear travel insurance, let me share some intriguing data reviews on the website to demonstrate the company’s strength with you!
Review on AllClear Travel Insurance
AllClear travel insurance has received multiple awards at the British Insurance Awards. Recently, the company just announced Zurich Plc as its new underwriter. Their travel insurance has 1,300 different medical conditions and over 4 million people have been covered to date. The best part? They also offer 24-hour emergency medical assistance and have more than 134 employees!
AllClear Travel Insurance services
The first thing I’d like to point out is that AllClear Travel Insurance is the first of several travel insurance providers to operate in the United Kingdom. You can seek a price online or chat with an advisor to know about their insurance plans. Don’t be surprised that there are no age restrictions with AllClear travel insurance policies.
They offer many insurance products for individuals:
- Over 50s
- Over 60s
- Over 65s
- Over 70s
- Over 75s
- Over 80s
- Over 85s
- Over 90s
They also have an array of different travel insurance policies such as:
- Single-trip travel insurance
- Annual multi-trip travel insurance, and
- Long-stay travel insurance
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AllClear Travel Insurance Policies Review
1. Single trip level insurance
The Single-trip coverage is ideal for people who only travel once a year. However, the premium level is determined by various criteria, including the length of your trip, the destination, your age, and any medical concerns.
These issues will be addressed on your initial application so that you know how much your insurance will cost and what it will cover. As previously stated, AllClear travel insurance has no age restrictions. As a result, you can get a single-trip travel insurance policy at any age.
2. Annual multi-trip travel insurance
If you take two or more travels per year, you should consider an AllClear multi-trip policy. This is because the more travels you take in a year, the more value for money for this sort of coverage.
There are no age restrictions, as with single-trip travel insurance. You must, however, state any pre-existing medical issues before purchasing your coverage.
3. Long-stay travel insurance cover
This travel insurance is becoming more popular, with many over 50s looking at extended stays overseas. This coverage is ideal for you if you plan to travel for a duration of up to 12 months.
However, if you plan on taking numerous relatively short trips, say up to 45 or 60 days, a yearly multi-trip travel insurance policy may be less expensive. Consequently, asking questions at the beginning of the application process is essential.
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Coverage for pre-existing medical conditions
You must reveal any pre-existing medical issues if you are over 50 and applying for travel insurance. As previously stated, AllClear travel insurance already includes coverage for 1,300 pre-existing medical conditions, with the option to add more.
The fact that the organization originated as a specialized medical insurance company is surely beneficial! If you fail to declare any pre-existing medical issues, your policy may be invalidated and your coverage denied. While many people are apprehensive about disclosing medical issues, it will not affect the cost or amount of coverage. Common pre-existing medical conditions covered by AllClear travel insurance include:
- High blood pressure
- Diabetes
- High cholesterol
- Heart disease
- Cancer
COVID travel insurance coverage
You will be pleased to know that coronavirus coverage is integrated into AllClear travel insurance single, multi-trip, and long-stay policies! AllClear realized that, due to the pandemic, many travelers would be concerned about additional expenses if they caught COVID overseas.
As a result, implementing uniform COVID travel insurance coverage across the board has relieved many of these concerns including:
- Emergency medical expenses and repatriation cancellation Up to 30 days free extended cover
- Expenses for a friend/relative obliged to stay with you for medical purposes
- Cost of continued recovery
- Cost of return flight if your stay is extended due to Covid
AllClear Travel Insurance and worldwide coverage
While AllClear travel insurance has worldwide coverage, the Foreign, Commonwealth, and Development Office (FCDO) offers advice and direction on visiting certain global locations. Your insurance policy will be invalid if you travel to a location on the restricted travel list.
You will be prompted to confirm your destination(s) when applying for single, multi-trip, or long-stay travel insurance. It is extremely simple and straightforward to obtain worldwide travel insurance coverage. However, if a restriction is placed on a country, don’t go there.
Does AllClear travel insurance offer value for money?
I know you might be wondering, Does AllClear travel insurance offer value for money? The answer is a BIG FAT YES! AllClear Travel Insurance is the main specialist medical insurance provider for people over 50. AllClear travel insurance performs well when comparing the coverage available and the prices of other companies.
Their travel insurance premiums are customized to each individual’s specific circumstances, implying good value for money. The company has a five-star TrustPilot rating, and 95% of its customers rank the company as excellent or great. AllClear travel insurance reviews show they offer an impressive service, with a good track record in insurance coverage and customer service. What more could you ask for?
