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Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.
In this article
AllClear – underwritten by Zurich – is a medical 'specialist' provider of travel insurance.
It's listed in the BIBA (British Insurance Brokers' Association) directory of firms offering tailored insurance options for travellers with pre-existing medical conditions.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.
This insurer isn't available on MoneySuperMarket, but you can get quotes from other insurers and compare the cheapest with our reviews.
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All of AllClear's policies were Best Buys.
70%
Policies
of 48 travel insurers' highest-scoring policies
See our full list of the best travel insurance.
| Medical expenses | Unlimited | |
| Dental treatment | £1,000 | |
| Cancellation | £15,000 | |
| Travel abandonment | £10,000 | |
| Natural disaster cover | Optional extra | |
| Cancellation / curtailment: illness, injury or death of person policyholder staying with | Yes/Yes | |
| Bankruptcy of holiday supplier | Not covered | 0 out of 5 |
| Bankruptcy of airline | Covered | |
| Travel delay | £1,500 | |
| Missed departure: outgoing, returning, connecting | Yes/Yes/Yes | |
| Baggage/personal belongings | £5,000 | |
| Personal liability | £2 million |
Table last updated in May 2026. Next update in May 2027. We recommend checking policies before buying. See how we analyse travel insurance.
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Dean Sobers, Which? travel insurance expert, says:
The three policies in AllClear's range - Gold, Gold Plus, and Platinum - each passed our Best Buy test this year.
With 70%, its Platinum option was in the top fifth of policies we reviewed.
It places no overall limit on its cover for emergency medical expenses, although dental emergencies are capped at £1,000. This is nearly double the average of £518.
If your travelling companion or host were to develop a serious illness/injury or die, forcing you to cancel your trip, the policy offers a £10,000 cancellation limit.
However, this cancellation limit would not extend to cover you if your chosen holiday supplier went bankrupt (although there is bankruptcy cover if the airline goes insolvent).
AllClear's annual policies are among 14% of those we rated without age limits for new customers.
Read our guide on travel insurance for older customers to see which other providers don't have age limits and how well their policies score.
AllClear's Gold Plus policy is also a Best Buy, with a score of 68%.
It has lower but still good levels of cover (for example £5,000 cancellation cover) – but unlike with Platinum, you'll need to pay excesses of £75 when claiming.
Gold, meanwhile, received a score of 65% - just in the upper 40% of policies we rated. The lower score reflects lower cover limits in certain areas, such as £350 for emergency dental treatment and £2,000 personal belongings cover (compared to Platinum's £5,000), and an excess of £250.
However, it still fared well in over two-thirds of areas we examined and was a Best Buy, so is still well worth considering if it's a good fit for your needs and budget.
AllClear is a listed medical-specialist insurer, meaning it may be able to cover you where others can't if your medical history is proving a barrier.
You'll need to declare your conditions to ensure they're covered. AllClear works with a medical screening company called Verisk to evaluate your medical risk.
If you're having difficulty finding the cover you need, check our guide on travel insurance if you have a medical condition.
AllClear uses a company called Gallagher Bassett to handle its claims.
For medical emergencies abroad, call +44 (0)203 467 4122.
To make other types of claim, call 0800 011 3135 or claim online.
Insurers will usually expect you to try recouping lost costs (such as deposits) elsewhere before claiming with them – for example checking with the travel provider if you're entitled to a refund or can move a cancelled trip. However, you can still call the insurer to let it know if there's a chance you will need to claim.
You'll need to provide your policy number when you call.
The AllClear Platinum policy has a score of 70% and is a Best Buy. The policies above it are Platinum from Admiral, Gold from Leisure Guard and Gold from Travel Insurance Saver – which have scores of 71% (but aren't Best Buys).
Immediately below it is First from Insure & Escape, NatWest's Black packaged account, Halifax's Ultimate Reward packaged account, Flexi Silver from Leisure Guard, Platinum from Cover For You and Gold from AXA. These score 69%
Yes, if the price is right: All of AllClear's policies are Best Buy options.
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