- AllClear states it has covered more than 1,300 different medical conditions and applies no upper age limit to its policies.
- Policies are arranged through IES Limited (FCA reference 824283), a Gibraltar firm, and administered by AllClear Insurance Services Limited (FCA reference 311244).
- Three cover levels run from Gold to Gold Plus to Platinum, with emergency medical and repatriation rising from 10 million pounds to 15 million pounds to unlimited.
- Cancellation cover ranges from 2,000 pounds on Gold to 25,000 pounds on Platinum.
- Both single trip and annual multi-trip cover are available, with single trip cover extending to journeys of up to 365 days.
What AllClear is
AllClear is a UK travel insurance brand that markets itself specifically at travellers with pre-existing medical conditions and older customers. Its public materials state that it covers all medical conditions, all ages and all destinations, and that it specialises in cover for people in their 60s, 70s and 80s. The brand reports having covered more than 1,300 different medical conditions, spanning categories such as diabetes, cancer, heart conditions, respiratory illness, neurological conditions and mental health.
The proposition is built around medical declaration rather than blanket exclusion. Where many mainstream policies cap age or decline applicants with serious histories, AllClear states there is no upper age limit on its policies and that it can consider all pre-existing medical conditions through its screening process.
Who underwrites the cover
The regulatory structure behind AllClear involves two named firms. Policies are arranged by IES Limited, a company registered in Gibraltar (company number 117274) and holding FCA reference number 824283, which is also licensed and regulated by the Gibraltar Financial Services Commission. The policies are administered by AllClear Insurance Services Limited, registered in England (company number 04255112) under FCA reference number 311244, with a registered office at AllClear House, 1 Redwing Court, Ashton Road, Romford, RM3 8QQ.
The live AllClear pages reviewed for this article do not name the current underwriter that carries the insurance risk. Earlier references to relationships with other insurers appear in the brand history, but no single current risk carrier is stated on the consumer-facing product or about pages. Anyone who needs to confirm the underwriter of a specific quote should check the policy wording and the Insurance Product Information Document supplied at the point of sale, where the insurer is required to be identified.
What policies AllClear offers
AllClear structures its cover into three named tiers: Gold, Gold Plus and Platinum. The same medical declaration approach applies across all three, with the difference being the financial limits attached to each section of cover.
Both single trip and annual multi-trip options are available, with single trip cover extending to journeys of up to 365 days. The tiering means a traveller can match the level of cancellation, baggage and legal protection to the value and complexity of a given trip, while the medical engine remains consistent.
Pricing structure
AllClear does not publish flat headline prices, because premiums for medically screened travel insurance are individually rated. The cost of a policy depends on the traveller's age, the declared conditions, the destination, the trip length and the chosen tier. This is standard for the pre-existing conditions segment: a quote is generated only after the medical screening questions are answered.
AllClear's own materials note that it receives commission from the insurer for the sale, service and renewal of the policy. That commission model is common across the sector and does not by itself indicate a higher price, but travellers comparing quotes should look at the total premium alongside the cover limits rather than the headline tier name alone.
What is covered and excluded
The financial limits differ sharply by tier. The figures below are drawn from the AllClear single trip product page.
| Cover section | Gold | Gold Plus | Platinum |
|---|---|---|---|
| Emergency medical and repatriation | 10 million pounds | 15 million pounds | Unlimited |
| Cancellation and trip interruption | 2,000 pounds | 15,000 pounds | 25,000 pounds |
| Travel delay | 300 pounds | 1,500 pounds | 1,500 pounds |
| Personal belongings | 2,000 pounds | 2,500 pounds | 5,000 pounds |
| Legal protection | 50,000 pounds | 50,000 pounds | 100,000 pounds |
Personal liability cover sits at 2 million pounds across all three tiers. As with any travel policy, cover is conditional on accurate medical declaration. The Foreign, Commonwealth and Development Office is explicit that failing to declare existing conditions or pending treatment can invalidate a policy, so the screening stage is the point at which cover is genuinely secured or lost. Specialist activities, cruises and certain destinations may require an additional level of cover or an add-on rather than being included by default.
How AllClear compares
AllClear sits in the pre-existing conditions and older-traveller niche rather than the budget mainstream. Its no-upper-age-limit position and stated coverage of more than 1,300 conditions place it alongside other medical-specialist providers, while its tiered structure mirrors the broad pattern of the wider market. The practical differentiator is the medical engine: the headline value is in whether a given condition can be accepted and at what premium, not in the baggage or delay limits, which are broadly comparable to mainstream cover.
Industry context underlines why medical cover limits matter. Association of British Insurers data published in August 2025 reported that members paid 472 million pounds across more than 500,000 travel claims in 2024, with medical claims totalling 262 million pounds and an average medical claim of 1,528 pounds. One member paid more than 1 million pounds for a single hospitalisation and repatriation from the USA. Against figures of that scale, the gap between a 10 million pound and an unlimited emergency medical limit is the kind of detail that justifies reading each tier closely.
How to make a claim
AllClear states that more than 99 percent of all claims were paid within five working days over the period from January 2024 to January 2025, measured across non-assistance claims on AllClear branded policies. Claims and emergency medical assistance are handled through the contact routes set out in the policy documentation. For any emergency medical event abroad, the assistance line in the policy schedule should be contacted before incurring major costs, since pre-authorisation is normally required for hospital treatment and repatriation.
Who AllClear might suit
The brand is positioned for travellers who have struggled to obtain cover elsewhere because of age or medical history. The combination of no upper age limit, a stated capacity to consider more than 1,300 conditions, and tiered cover that scales emergency medical to unlimited on Platinum is aimed squarely at that group. Travellers with no medical history and a tight budget may find the medically rated premium higher than a basic mainstream policy, so the decision rests on whether the medical proposition is needed. As always, the policy wording and the Insurance Product Information Document for the specific quote are the documents that govern what is and is not covered.
If you find it difficult to get cover because of a pre-existing condition, the Money and Pensions Service operates a travel insurance directory of specialist providers via its MoneyHelper service. Visit the MoneyHelper travel insurance directory or call the Money Helper Customer Contact Centre on 0800 138 7777 (Monday to Friday, 8am to 6pm).
