For UK travellers managing health conditions or seeking specialist protection, All clear travel insurance is designed to provide tailored medical screening, extensive cover limits and compliance with Financial Conduct Authority requirements. Understanding how it works helps you secure appropriate protection before departure.
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What does All clear travel insurance cover?
All clear travel insurance typically covers emergency medical expenses, repatriation, cancellation, curtailment and lost baggage. Policies are tailored following medical screening, offering protection for declared conditions. Cover levels vary by destination, trip length and optional add-ons selected during quotation.
Core medical protection
Medical cover is central to most policies. This includes:
- Emergency treatment abroad including hospital stays
- Repatriation to the UK if medically necessary
- 24-hour medical assistance helpline
- Cover for declared pre-existing conditions following screening
Because overseas healthcare costs can exceed £100,000 in destinations such as the United States, high medical limits are essential. All clear travel insurance policies often provide multi-million-pound medical protection, aligning with expectations of UK consumers travelling outside Europe.
Cancellation and curtailment
Cancellation cover reimburses non-refundable travel and accommodation costs if you cannot travel due to illness, injury or other insured events. Curtailment protection applies if you must return home early. When assessing All clear travel insurance, check the monetary limits carefully against your total trip cost.
Baggage and travel disruption
Standard features usually include:
- Personal belongings and luggage cover
- Delayed departure compensation
- Missed connection protection
- Personal liability cover
UK travellers should always verify single-item limits, as high-value electronics or jewellery may require additional cover.
Is All clear travel insurance suitable for pre-existing conditions?
Specialist providers focus on travellers with medical histories. All clear travel insurance uses a structured medical screening process, typically completed online or via telephone. You declare conditions, medications and recent treatments, and the system calculates any additional premium required.
How medical screening works
The screening process generally asks:
- Dates of diagnosis
- Recent hospital admissions
- Medication changes
- Upcoming investigations or surgery
Accurate disclosure is essential under UK insurance law. Non-disclosure can invalidate a policy. All clear travel insurance assesses risk individually rather than automatically declining common conditions such as diabetes, heart disease or cancer in remission.
FCA regulation and consumer protection
In the UK, travel insurers must operate under Financial Conduct Authority rules. This means customers purchasing All clear travel insurance benefit from:
- Clear policy documentation
- Transparent pricing
- Access to the Financial Ombudsman Service for disputes
- Financial Services Compensation Scheme protection if the firm fails
This regulatory oversight increases consumer confidence, particularly for higher-premium specialist policies.
How much does All clear travel insurance cost in the UK?
Premiums vary depending on age, destination, trip duration and medical history. All clear travel insurance pricing reflects the increased underwriting risk associated with declared conditions. European single-trip policies may start from modest levels, while worldwide multi-trip cover with complex medical declarations can cost several hundred pounds.
Key pricing factors
- Age of traveller as risk increases with age
- Destination especially countries with expensive healthcare
- Length of trip
- Declared medical conditions
- Excess level selected
Raising the voluntary excess can reduce premiums, though travellers should ensure affordability if a claim arises.
Single trip vs annual multi-trip
If you travel more than twice a year, an annual policy may provide better value. All clear travel insurance offers multi-trip options that cover multiple holidays within a 12-month period, subject to maximum trip durations per journey.
Policy upgrades and optional extras
Many travellers customise their cover. With All clear travel insurance, optional enhancements may include:
- Winter sports cover
- Cruise cover
- Golf equipment protection
- Increased gadget limits
- Travel disruption extensions
Always match add-ons to your itinerary. For example, cruise travellers require specific medical evacuation and cabin confinement provisions.
Claims process and customer support
In the event of illness abroad, policyholders should contact emergency assistance providers immediately. All clear travel insurance policies usually provide a 24-hour UK-based support line to coordinate hospital payments and repatriation if necessary.
For non-emergency claims such as baggage loss, documentation is crucial. Keep:
- Police reports
- Medical invoices
- Airline confirmation of delays
- Receipts for replacement items
Prompt notification and accurate paperwork can significantly speed up settlement times.
How it compares with mainstream travel insurers
Standard insurers sometimes exclude complex conditions or impose strict underwriting limits. All clear travel insurance differs by targeting travellers who might otherwise struggle to obtain affordable protection.
While premiums may be higher than mass-market alternatives, the advantage lies in specialist underwriting expertise and broader acceptance of medical histories. For UK residents with ongoing treatment or past diagnoses, this tailored approach can be more practical than generic policies.
Who should consider this type of cover?
- Travellers over 65 seeking comprehensive medical cover
- Individuals with chronic illnesses
- People recently discharged from hospital
- Holidaymakers requiring cruise or long-stay protection
Careful comparison of policy wording remains essential. Review exclusions, excess levels and territorial definitions before purchasing.
Practical steps before buying
- Gather full medical history details
- Confirm total holiday cost for accurate cancellation limits
- Check passport validity and GHIC status for European travel
- Compare excess options
- Read the Insurance Product Information Document
These steps help ensure the policy aligns with your personal circumstances and UK regulatory expectations.
is All clear travel insurance right for you?
For UK residents managing medical conditions or seeking higher medical limits, All clear travel insurance offers specialist underwriting, comprehensive emergency protection and FCA-regulated consumer safeguards. Evaluating cover limits, screening accuracy and optional upgrades ensures you purchase protection that genuinely meets your travel needs.