AllClear Travel Insurance UK specialises in travel cover for people with pre-existing medical conditions. The UK-based insurer offers single-trip and annual policies, online medical screening and tailored premiums — giving travellers with complex health needs clear, specialist protection and practical support.
Main focusTravel insurance for pre-existing medical conditions
Price tier$$
CoverageUK residents travelling worldwide
Policy typesSingle-trip, annual multi‑trip and specialist add-ons
Why choose AllClear
Three reasons customers trust AllClear
01Specialist medical coverPolicies are designed specifically for travellers with medical conditions, offering cover options where mainstream insurers may decline or limit protection.
02Personalised underwritingAn online medical screening and experienced underwriting deliver tailored premiums that reflect individual health circumstances, not one-size-fits-all pricing.
03Practical support & claimsFocused claims and assistance processes prioritise medical events abroad, helping to arrange repatriation, treatment and emergency support when it matters most.
01
Policy documents & features
AllClear policies clearly set out cover limits, excesses and optional add-ons such as cancellation, winter sports or cruise cover. Documents list exclusions linked to declared conditions, and the online portal lets you download policy documents, view cover summaries and add extras before travel.
02
Travelling with medication
The insurer focuses on travellers who need medication or ongoing treatment. Declare prescriptions during purchase to ensure cover for treatment abroad; specialist underwriting helps place complex medical histories into appropriate policy levels and reduces unexpected claim rejections.
Policy types
Single-trip insuranceAnnual multi-trip insuranceFamily & couples coverCruise coverWinter sports coverBusiness travel insuranceBackpackers & long-stay coverMedical condition travel insurance
Our verdict
What we like
- Specialist focus on pre-existing medical conditions
- Tailored underwriting and online medical screening
- Range of add-ons including winter sports and cruise cover
- Clear policy documentation and online management
Worth knowing
- Premiums can be higher for high-risk or complex conditions
- Policies are aimed at UK residents only
- Some exclusions require careful reading of policy wording
FAQ
How do I receive my policy documents?
Policies are issued electronically on purchase: you receive a PDF policy document and cover summary by email. Printed copies can often be requested, but digital delivery is standard and immediate.
Can I cancel and get a refund?
You normally have a statutory 14‑day cooling-off period for a full refund if you cancel and haven’t travelled or made a claim. After travel starts, refunds are limited and depend on insurer terms.
Are there discounts or promo codes?
Occasional promotions and loyalty discounts appear on the AllClear website. Multi-trip policies and family packages can offer better per‑trip value; always check active offers at purchase.
