
AllClear Travel Insurance Reviews
Value For Money
AllClear Travel Insurance Reviews
Find out about AllClear Travel Insurance and read genuine user reviews
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AllClear Travel Insurance is a UK-based specialist provider focusing on offering comprehensive travel insurance solutions for individuals with pre-existing medical conditions. Established in 2000, AllClear has insured over 3.5 million travellers across the UK and Australia. The company is renowned for its commitment to inclusivity, providing coverage regardless of age or medical history, and has received multiple industry awards for its services.
Read also: Best Travel Insurance Companies in the UK
Services and Products Offered
AllClear offers a range of travel insurance policies tailored to various needs:
- Single Trip Travel Insurance: Coverage for individual trips, with no upper age limit.
- Annual Multi-Trip Insurance: For frequent travellers, covering multiple trips within a year.
- Long Stay Travel Insurance: Designed for extended trips, suitable for gap years or prolonged holidays.
Specialist Policies:
- Cruise Travel Insurance: Includes specific benefits like cabin confinement and missed port departure.
- Golf Travel Insurance: Covers golf equipment and non-refundable green fees.
- Winter Sports Cover: Protection for skiing and snowboarding activities.
- Gadget Cover: Optional add-on for electronic devices.
Key Features:
- Coverage for all pre-existing medical conditions, subject to medical screening.
- No upper age limit on single trip policies.
- COVID-19 cover included as standard on many policies.
- Access to a 24/7 emergency medical assistance helpline.
- Online medical screening and quote process.
Customer Service and Complaint Contact Details
- Sales & Customer Services: 0800 848 8608
- General Enquiries: 01708 339026
- Email: info@allclearinsurance.com
- Website: www.allcleartravel.co.uk
- Postal Address: AllClear Insurance Services Limited, AllClear House, 1 Redwing Court, Ashton Road, Romford, Essex, RM3 8QQ, United Kingdom
Business Legitimacy and Trustworthiness
AllClear Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA) under registration number 311244. The company operates in the UK and is also licensed and regulated by the Gibraltar Financial Services Commission (GFSC) under license number FSC25393. AllClear's policies are underwritten by reputable insurers, including Zurich. Several AllClear policies have received 5-star ratings, indicating comprehensive coverage.
Notable Features
- Which? Best Buy: The AllClear Gold Plus policy has been recognised as a Best Buy by Which?.
- High Claims Acceptance Rates: According to FCA data, AllClear paid 90–95% of claims on annual worldwide and European policies, and 85–90% on single-trip policies in 2022, surpassing industry averages.
- Partnerships: Collaborates with organisations like the Stroke Association to provide tailored insurance solutions.
User Reviews
Value For Money
Disgraceful Service Over The Nearly 6 Months It Took To Gad
I had a very traumatic trip back to Manchester from gdansk.The plane was diverted to Denmark when I collapsed on board. After initial contact with all clear to confirm medical cover, it was impossible to find out correct information and I was passed from pillar to post by their customer services. At that critical time i was desperately in need of support and assistance. I didn't get any! I had to get used to them taking 3 weeks to respond to every single point if enquiry. At various stages. They denied liability, then refused to pay hospital bill, then quibbled over every single point of my claim. Finally not paying an important section of my expenses. It simply didn't occur to me that I could have problems. Beware Allclear !!! What a set of Unprofessionals !! Never Again. I will always check feedback in future. However further digging is needed because there is little feedback from people who have made a claim !! Beware Allclear. !!
Value For Money
Excessive Increase - Misleading Claim
Last year, acting after scrutinising offers from several travel insurance companies recommended by Which Travel, I took an annual policy covering both of my wife and I with AllClear Travel Insurance.
We recently received an invitation by email to renew the policy indicating that the basic charge had increased by 62%. There has been no change in our circumstances other than an increase in age and there was no attempt to justify such a huge increase.
We were offered a so called ‘exclusive loyalty discount’ of 20%. However, we had already received, by surface mail, a speculative invitation to take insurance with AllClear Travel, which offered a 20% discount to ALL new policy holders. On checking, the basic price for new policy holders (before the 20% discount) was identical to the basic pre-discount price that underpinned the renewal offered to us.
The offer of a ‘loyalty’ discount was, to say the least, disingenuous. We understand that, in at least some sectors of the insurance industry, similar marketing ploys have been declared illegal.
By searching around, I found and accepted an offer of more appropriate cover than AllClear Travel offered but for which the premium was slightly less that we paid AllClear Travel last year. It was from a supplier which also offered a further cashback discount of nearly 20% for all business (not just for new business).
We cannot help but form the impression from the excessive increase and misleading
claim about a discount that AllClear Travel is attempting to trade on out of date recommendations.
Age discrimination appears to be rife in the travel industry. The travel insurance companies have never produced factual evidence to justify their claims that the higher rates they charge are statistically sound and are not simply a mechanism for increasing profits at the expense of older people.
Value For Money
Good At Selling Policies Not So Much When You Need Help
This Gibralter based company sell cheap travel insurance, cheap for a reason.
they have virtually no support staff, need a claim or and other kind of help then forget it?
Pay more or you may as welll save your money and have no insurance, its the same thing.
Value For Money
£15 To Change Policy Dates.
I wanted to change my travel dates for insurance. They wanted £15 just to do this simple task. That's more than what my policy cost. Ridiculous!
Value For Money
Covid 19
I book a flight with tui they cancelled it and I had booked apartment with holiday letting which we couldn't go to because flight was cancelled and the insurance don't want to no told me to get a refund of my credit card.credit card company told me to get it of my travel insurance what a cope out.
Value For Money
Read The Small Print!
I booked a short trip to Malta and booked travel insurance through All Clear. They acted as agents for OK to Travel and I felt assured that everything was sorted. When reading the policy document it stated that I was covered in Area 2, which excludes coverage in Malta!!?? As I was travelling to Malta and this was clearly stated on the booking, I contacted All Clear and spoke to someone to question this. She could not explain why it happened but said I could be upgraded for a fee of €37 to have cover in Malta. I explained that I was unwilling to do that because as far as I was concerned it was their mistake. She told me I could cancel the policy as it was within the 'cooling off period'. My worry is that had I not checked the policy and needed assistance while abroad I would have been left high and dry because Malta is not covered in my booking. Needless to say that I have cancelled and requested a refund. Very angry and frustrated!
Value For Money
Next To Impossible To Recover A Claim...
I would absolutely avoid 'All Clear' travel insurance. They use a third party company to negotiate their claims who do all they can to pay you nothing. We made a claim after my wife was mugged on holiday and managed to recover almost nothing. If you don't have the original receipts for everything then you will get nothing. On there advertising they say 100% of claims paid in 5 days .... our claim spanned over 6 months. You are much better using one of the more well known insurance companies as that way you have some chance of recovering a claim
Value For Money
Allclear Is Really All Clear
A pretty straight forward website with very clear instructions on how to proceed. The policy choices and requirements are clearly laid out and straight forward to select. It was easy to compare with the details from other sites as the information was presented is a very similar format and order. Although slightly more expensive the cover quoted was of a realistic level for the number of existing medical conditions relevant to both travellers. It will be interesting to see how much the premium increases year on year.
Value For Money
I Have Used This Company For A Few Years Now. It I
I have used this company for a few years now. It is easy to get a quote , good cover at a competitive price. Straight forward to set up.
Very Easy Use
Was easy to do online all straightforward and good value cover
Q&A
We took out travel insurance with all clear for a weekend coach trip to Jersey via ferry. It was for a line dance weekend. Due to Coronavirus it was postponed. I asked if I could transfer insurance to a later date, but apparently you can only do this if you travel in the next 3 months. This virus is not going to clear up by then so its no good to us. I was offered 50% of my money back I had paid £67.69 & was told if I booked again by the end of the year we could have a discount of 30% I had no choice but accept. Afterwards I thought hang on I had 20% discount on this insurance when I took it out, so only getting 10% off next trip. When I asked my fellow travelers about there insurance they all got full refunds from their insurers. Why did I not get the same from All Clear?
My partner and I were insured with All Clear for a holiday we were going to go on yesterday, however we got to the airport and my partner had a big anxiety attack so we could not go. His pre existing medical condition includes anxiety which hes taking medication for. How easy will this be to claim for if he receives a medical certificate from his doctors?