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All Clear Travel Insurance Reviews

AllClear is a specialist in medical travel insurance. From heart conditions to cancer, diabetes and many more, all conditions are considered and no medical condition is automatically rejected. Policies are available to those of any age. Dependants under 21 travel for free with parent or grandparent. They offer 24/7 emergency assistance with Mapfre no matter where you are in the world. Underwritten by Mitsui Somotomo.

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All Clear FAQ's

What pre-existing medical conditions do AllClear cover?

AllClear will consider cover for any condition, any age and any destination.

What conditions do they not cover?

They will not cover you for any medical condition or disability (pre-existing or otherwise) if: 1) your state of health is significantly worse than you told them; 2) you know you have a terminal condition, but have not told them; 3) you know you will need medical treatment during your journey; 4) one of the purposes of your journey is to obtain medical treatment; 5) you are travelling against the advice of a Medical Practitioner; 6) you are not fit to travel on your journey.

Do they cover pregnancy and childbirth?

Cover is provided for unforeseen bodily injury or illness. Childbirth is not considered to be either unforeseen, or an illness or injury. Therefore there is no cover if at the start of your trip, during your trip or on your return date, you are more than 36 weeks and 6 days pregnant for a single pregnancy, or more than 32 weeks and 6 days for a multiple pregnancy.

Am I covered for skiing and my equipment?

Yes if you purchase a ski pack. AllClear will cover $500 worth of skiing equipment and $150 for delayed ski gear.

Are kids covered for free?

Yes, that’s right, kids will be covered at no added cost! Dependent children and grandchildren are included for free as long as they are under 21 years of age and not in full time employment.

Can I pay to reduce or cancel my excess?

No AllClear’s standard excess amount is $150.

Am I covered if my tour company collapses?

Yes AllClear cover up to $5,000 for any pre-paid irrecoverable sums in the event of insolvency of a Travel or Accommodation provider assuming you were not aware at the time of booking that they may collapse. Conditions apply.,

I'm not an Australian resident- can I buy cover?

Sure! AllClear insurance is available to travellers who are citizens or permanent residents of Australia or non-permanent residents who have a valid Medicare, Private Health Fund or Overseas Student Travel Insurance in Australia - only valid for trips commencing in and returning to Australia.

What size moped or motorbike am I covered to ride overseas?

AllClear will not cover you for riding on a motorcycle, Quad bike or any mechanically assisted cycle without an appropriate licence or when not insured under a motor insurance policy. You must be wearing a helmet too.

How long is their single trip cover for?

No journey can be longer than 92 days.

Can I extend my policy from overseas?

No, however, If your return journey is unavoidably delayed for an insured reason, cover will be extended free of charge for the period of that delay.

Do they cover for my rental vehicle excess?

No AllClear do not cover rental excess cover when you hire a vehicle on your holiday.

How many people can I include in my policy?

The more the merrier right? AllClear insures groups of up to 10. That means more fun for less hassle.

Am I covered if I go on a cruise?

Yes, you don’t even need to pick a cruise specific policy. Here’s a top tip: Even if you’re travelling in Aussie water you still need to pick pacific.

Who underwrites them?

This insurance is underwritten by Mitsui Sumitomo Insurance Company, Limited, ABN 49 000 525 637, AFSL 240816. Mitsui Sumitomo has appointed AllClear Insurance Services Australia Pty Ltd, ABN 165 270 066 (AllClear) as its authorized Representative to deal with this insurance product.


No age limit
70 years maximum
45 day per trip limit
$200 single item limits
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