Travel Insurance

When you're planning a trip, having travel insurance is crucial, especially if you have any medical conditions. Get your holiday insurance quote online or give us a call now.

Planning a dream holiday or business trip? Our travel insurance covers you, providing the protection you need for a worry-free journey. To protect against unforeseen events and offer peace of mind, get your travel insurance quote today.

Travel insurance protects you if unexpected events occur during your trip. It covers medical emergencies, travel delays, and issues with your belongings. Our plans include cover for medical emergencies, repatriation, lost luggage, and trip cancellations.

From international cruises to annual multi-trip holidays, you can tailor the perfect policy to suit your travel style and destination. Our policies cater to singles, duos, and families. For detailed information about our plans, please read our Product Disclosure Statement (PDS) to find the cover that's right for you.

Travel doesn't always go as planned. Travel insurance covers unexpected events, whether you are travelling overseas or within Australia. Without it, you or your family could face significant financial hardship.

Medical assistance is often the highest unexpected cost for Australians travelling overseas, with costs of emergency medical evacuations often exceeding $100,000 depending on the severity and location. Most countries do not offer free healthcare, so you or your insurer must cover the full expense.

Travel insurance also covers other issues. Research by SmartTraveller shows one in four Australians experience travel disruptions, like flight cancellations or lost luggage, on their last overseas trip.

The right travel insurance ensures you can enjoy your trip, knowing you’re protected from financial burdens if mishaps occur. For more information and to get your travel insurance quote, visit our website or call us.

Travel insurance also covers other issues. Research by SmartTraveller shows one in four Australians experience travel disruptions, like flight cancellations or lost luggage, on their last overseas trip.

The right travel insurance ensures you can enjoy your trip, knowing you’re protected from financial burdens if mishaps occur. For more information and to get your travel insurance quote, visit our website or call us.

We’re a specialist Medical Travel Insurance provider. We cover more than 1300 medical conditions, from diabetes to cancer. Each policy is different, but we typically cover:

• Emergency medical expenses and repatriation costs: Costs of tests, medications, and procedures needed to treat an illness or injury while travelling. You’ll also be covered for repatriation to bring you safely back home.
• Cancellation: Cover for flight and accommodation costs if an unexpected event means you have to cancel your trip before you go.
• Curtailment: Cover if you need to return home early following an emergency.
• Travel delay: If your flight is delayed, we’ll compensate you for the time.
• Personal belongings: You’ll be covered if your baggage or its contents are lost or stolen.
• Personal liability: Cover for your legal expenses and any liability due if you accidentally injure someone or damage their property while you’re on holiday.
• Legal protection cover: Provides cover for your legal expenses if you have to claim compensation or damages due to something that happened while you were on holiday.

Some examples of what is not covered are:

• Claims below the value of the excess: For most claims, you won’t be covered for the travel insurance excess (the first part of any claim).
• Trips outside the region of cover: Your cover is limited to trips within the designated region of cover you chose, whether that’s Australia or overseas.
• Known events or circumstances: Claims related to events or issues that you knew about before buying the travel insurance or before booking any individual trip are not covered.
• Medical conditions you don’t declare: You need to declare all your medical conditions. If not, we won’t be able to cover you for any unexpected treatment connected to known health concerns.
• Choosing not to travel: We know that plans change, but you’re only covered for cancellation if the reason is within the policy terms and conditions.

Please refer to the PDS for full details around cover and exclusions.

• All medical conditions considered
• 24-hour medical emergency helpline
• Up to unlimited medical emergency expenses cover
• Up to $1,000 “medical inconvenience” benefit for when you are in hospital as an in-patient
• No age limit on AllClear Gold and Gold Plus policies
• Cancellation cover up to unlimited costs
• Personal belongings cover of up to $7,000

We're pleased to state all these figures are per person and per trip.

This is about tailoring the policy to fit your needs. At AllClear, we specialise in finding the right policy for you. Consider these factors:

Get the right travel insurance, especially if you have a pre-existing medical condition. Declare all conditions when getting a quote to make sure your policy is valid and can cover claims.YOu you must read and comply with the medical warranty and take reasonable care not to make a misrepresentation.

Medical care can be expensive, and comprehensive travel insurance protects you from financial burdens if you need emergency treatment during your trip.

As a specialist provider, we can cover more than 1300 pre-existing conditions so you can travel confidently knowing you’re protected from unexpected costs. Here are some conditions we can cover:

• Cancer
• Asthma
• High Blood Pressure
• Atrial fibrillation
• COPD
• Diabetes
• Disabilities
• Epilepsy
• Heart conditions
• Mental health conditions
• Multiple Sclerosis
• Stroke
• Terminal Illness

Travel with peace of mind, knowing that you’re protected with the right cover for your needs.

We insure people of all ages, including providing Senior Travel Insurance, with no upper age limit. Learn more about Travel Insurance for your age group here:

• Travel Insurance for Over 50s
• Travel Insurance for Over 60s
• Travel Insurance for Over 65s
• Travel Insurance for Over 70s
• Travel Insurance for Over 75s
• Travel Insurance for Over 80s

Your policy type might change based on how often you’re going away this year.

Annual Multi-trip Travel Insurance Ideal for frequent travellers, this policy offers cover for every trip over 12 months. It includes cover for missed flights, lost luggage, and emergency medical expenses.

Single Trip Travel Insurance Perfect for one-off trips, whether it’s a weekend break or a month-long adventure. It includes benefits like cancellation cover, travel delays, and emergency assistance.

Planning a cruise? Whether international or domestic, having cruise travel insurance cover is essential. It protects you against cruise-specific mishaps, ensuring your trip goes smoothly.

• Cabin Confinement: Cover if you’re confined to your cabin due to illness.
• Missed Departures: Protection if you miss the departure of your cruise due to unforeseen circumstances.
• Medical Emergencies: Comprehensive cover for medical treatment and repatriation, whether on board or at a port of call.
• Trip Curtailment: Cover for returning home early due to an emergency.
• Don’t leave your cruise experience to chance. Ensure you have the right cover to enjoy your journey with peace of mind.

When planning an overseas trip, it’s crucial to get the right level of cover for your destination. Travel insurance for international trips protects you against unexpected events.

Europe
Travelling to Europe? Our policies provide the coverage you need for a stress-free trip. Whether you're visiting the United Kingdom, Greece or Italy, we’ve got you covered.

Worldwide
For trips beyond Europe, our worldwide travel insurance protects you wherever you go. This includes popular destinations like Bali, the USA, Thailand, New Zealand, and Japan.

Domestic
Even when travelling within Australia, having the right cover is important. Our domestic travel insurance policies ensure protection for trips close to home.

The cost of travel insurance can vary significantly based on several key factors.

• Your Destination: Where you travel affects premiums, as risks and costs of medical treatment differ.
• Length of Your Trip: Longer trips are more expensive due to higher risks.
• Your Age: Older travellers usually pay more due to higher health risks.
• Pre-existing Medical Conditions: Existing conditions can raise premiums because of the higher risk of needing medical treatment.

Opting for the cheapest policy might not be best. It could leave you underinsured and unable to claim when needed. It’s better to choose travel insurance that offers full cover for your needs.

• Medical Specialists: We’re experts at creating policies for people with pre-existing medical conditions, providing the tailored cover you need for peace of mind.
• Customer Satisfaction: An impressive 94% of our customers rate us as 'Great' or 'Excellent' on TrustPilot. “ Very straightforward easy to navigate and at a very good price was very happy with my experience.” - Vicki
• Inclusive Cover: AllClear’s products cover travellers of any age. We believe that everyone, whether you’re 19 or 90, should be able to enjoy a holiday with the right protection.
• Trusted Experience: Since 2000, we’ve covered over 3.5 million travellers globally.

Choose AllClear for your travel insurance and travel with confidence.

Simply complete our quick 3-step screening process to get your quote

Here’s how it works.

1. Click a quote button on our site
   Once you’re ready to start the quote process, the first step is to provide your personal details and information about your holiday plans.
2. Complete our simple medical screening process: Read and agree to your duty to take reasonable care not to make a misrepresentation. You then need to select the medical conditions for you (and any other travellers) and answer the specifically designed medical questions
3. Get your quote
   A summary of the quotes offered will then appear for you to review. You can save your quotes or proceed to purchase at this stage

Finding the best travel insurance can be challenging, especially when faced with pre-existing medical conditions. Many insurers may decline coverage, leaving travellers feeling uncertain and unprotected. However, AllClear Travel Insurance has proven to be a reliable and customer-friendly option.

"After being declined by so many other insurance companies we were given the name of AllClear. Nice surprise to find how easy it was to get in touch with them and to have a consultant who was not only very friendly but very helpful and easy to understand. My husband has pre existing medical conditions which we have been previously covered for but now the company that we usually use won't cover him. Great service from staff at AllClear and would highly recommend." - John

Travel insurance helps you if unexpected things happen while you travel. It covers medical emergencies, trip cancellations, lost or stolen belongings, and other travel problems. If something happens, you can file a claim to get money back for covered expenses. This gives you peace of mind during your trip.

Travel insurance is not required, but it is very important. It protects you from unexpected events that could ruin your trip. It covers medical emergencies, trip cancellations, travel delays, and lost belongings. Without it, you could face big expenses if something goes wrong during your travels, both in your country and abroad.

The type of travel insurance you need depends on where you're going, how long you'll be away, and what you'll be doing. For frequent travellers, an annual policy is best. For one-time trips, a single trip policy is ideal. If you plan to do winter sports or extreme activities, get special cover for those.

To find cheap travel insurance, choose different levels of cover. Look for deals or discounts. You can also bundle insurance with other services. Make sure the policy gives you enough protection for your needs. Don't skip essential cover just to save money.

Travel insurance usually does not cover pre-existing medical conditions unless included in your policy. It may not cover travel to places with government travel warnings, reckless behaviour, or known events before buying the policy. Always read the policy terms to know what is not covered.

You should buy travel insurance as soon as you book your trip. This way, you're covered for any unexpected events that might make you cancel your trip before you leave. It also covers you before your trip, giving you peace of mind from the start of your travel plans.

Our travel insurance covers many sports and activities, including hiking, swimming, and non-contact sports. For activities like skiing or scuba diving, you may need extra cover. Always check your policy to make sure your planned activities are included.

Yes, we specialise in covering pre-existing medical conditions. At AllClear, we believe everyone should travel with confidence, even with medical conditions.