AllClear travel insurance review

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.

Does AllClear offer the best travel insurance?

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'What you need to know about AllClear's policies'

Dean Sobers, Which? travel insurance expert, says:

I've been analysing AllClear's extensive range of policies for a decade.

If you're a Which? member you can log in (or if not, sign up) to read my explanation of their strengths and weaknesses.

Is AllClear good if you have a medical condition?

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.

How good is AllClear at handling claims?

AllClear uses a company called Gallagher Bassett to handle its claims.

• According to the most recently published data, AllClear accepted 90-95% of claims on annual European policies in 2024 – better than the industry average of 86.3%. 
• It accepted 85-90% of annual worldwide claims – just above the industry average of 84.5%
• It accepted 85-90% of single trip claims – higher than the average rate of 80%. 

AllClear travel insurance: how can I claim?

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.

• Find out more: how to claim on your travel insurance

How does AllClear compare with other providers?

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Should you buy AllClear travel insurance?

Only Which? members can read our ultimate verdict on AllClear's cover, so log in or sign up to find out what it is.

How we rate travel insurance