At a Glance: All Clear Travel Insurance in 2024
Key Features and 2024 Updates
All Clear Travel Insurance stands out in 2024 for its comprehensive coverage, especially for those with pre-existing medical conditions. Key updates this year include enhanced digital claims processing, increased maximum coverage limits (medical expenses up to £15 million), and more customizable policy tiers—Gold, Gold Plus, and Platinum. The policy now offers extended COVID-19 coverage, quicker claims resolution, and a redesigned user portal for seamless policy management.
Quick Pros and Cons
- Pros: Market leader for medical condition coverage, transparent policy wording, high payout rates, user-friendly digital claims, robust family and senior options.
- Cons: Premium pricing for complex medical histories, some delays in peak claim periods, exclusions for certain sports and destinations.
What Makes All Clear Travel Insurance Stand Out?
Coverage for Pre-Existing Medical Conditions
One of the most commended features of All Clear Travel Insurance is its willingness to cover a wide variety of pre-existing medical conditions. Over 1,300 medical conditions are considered, including diabetes, heart disease, and cancer. In 2024, over 96% of customers with disclosed conditions were successfully insured.
Policy Options and Customization (Gold, Gold Plus, Platinum)
All Clear offers three main levels:
- Gold: Affordable, covers essentials, medical, cancellation (£5,000 limit).
- Gold Plus: Higher limits (£10,000 cancellation), baggage cover, extras.
- Platinum: Extensive coverage, higher baggage (£3,000), cancellation (£15,000), delay, missed connection, cruise-specific benefits.
Customization options include single-trip, annual multi-trip, and worldwide cover, with add-ons for adventure sports and cruises.
Recognitions, Awards & Third-Party Ratings
- Defaqto 5-star rating (Platinum, 2024)
- Feefo Platinum Trusted Service Award 2023, maintained for 2024
- Trustpilot: 4.8/5 from 76,000+ reviews (June 2024)
All Clear Customer Reviews: Real Experiences
Positive Feedback: What Customers Love in 2024
- Efficient and supportive claims handling—over 88% settled within 15 days.
- Easy quote and purchase process, especially for seniors and those with complex medical profiles.
- Clear policy wording gives confidence to travelers, especially with COVID-19 inclusions.
Common Complaints and How All Clear Responds
- Premium pricing, particularly for travelers over 70 or high-risk zones.
- Occasional delays during peak travel seasons—All Clear introduced extra claims staff in late 2023 to address backlogs.
- Some confusion around exclusions (extreme sports, some high-risk countries) resolved via updated FAQs and accessible support.
Real Claim Stories: Successes and Challenges
- “My heart condition claim was processed in 11 days, full payout”—Mary, 67, Trustpilot review.
- “Had to clarify some paperwork but received my refund after a cruise interruption”—Jeff, 52.
- Some customers report denied claims due to undeclared conditions or policy exclusions, highlighting the need to read terms thoroughly.
Is All Clear Really Good at Handling Claims in 2024?
Step-by-Step Claims Process (Updated for 2024)
- Start a digital or phone claim—upload documents (proof of booking, medical reports, receipts).
- Claims team reviews within 72 hours (average initial response in 2024: 2.3 days).
- Follow-up for any clarification or missing documents.
- Payout or written response—most settled within 15 days.
Recent Payout Rates and Timeframes
| Metric | 2024 Data |
|---|---|
| Payout Rate | 92.6% |
| Average Settlement Time | 15.2 days |
| Claims Processed Digitally | 81% |
What to Expect When You File: User Testimonies
- Most users find the online portal intuitive, with frequent updates via email/SMS.
- Clear guidance provided on required documents prevents rejections or long waits.
- Cases with additional medical review or overseas incidents may take up to 30 days.
All Clear vs. Leading Competitors: 2024 Comparison
Coverage & Exclusions Showdown (Scenario Table)
| Scenario | All Clear | Staysure | Avanti |
|---|---|---|---|
| Pre-existing Conditions | ✔ (1300+ covered) | ✔ (inclusive but less scope) | ✔ |
| COVID-19 Cover | ✔ | ✔ | ✔ |
| Adventure Sports | Optional add-on | No | Optional add-on |
| Medical Expense Limit | £15m | £10m | £10m |
| Worldwide Cover | ✔ | ✔ | ✔ |
Pricing and Value for Each Traveler Type
Average pricing (based on single-trip, 2-week Europe travel, age 65, no recent claims):
- All Clear Gold: £52
- Gold Plus: £74
- Platinum: £110
Compared to Staysure (£49 basic, £84 comprehensive) and Avanti (£45 basic, £89 highest tier), All Clear is mid-to-premium priced but offers superior medical and custom options.
Customer Service and Digital Experience (App, Online Claims)
- Dedicated 24/7 helpline, average wait time 5.2 minutes in 2024.
- Mobile-friendly website; claims portal rated 4.6/5 by users for ease of use.
- App for policy access, claims updates, and emergency help on-the-go.
Choosing the Right All Clear Policy for Your Needs
Travelers with Medical Conditions
Best-in-class for medical cover, including recent diagnoses and ongoing treatments. Applicants provide a detailed medical screen, and 96% are approved.
Family and Senior Travelers
- Family cover for up to 4 children, “kids go free” on some annual plans.
- No upper age limits on single-trip or annual multi-trip plans (uncommon in market).
Adventure, Worldwide & Cruise Coverage
Optional upgrades offer sports, winter, cruise protection. Cruise insurance includes missed port, cabin confinement, and emergency airlift benefits.
Expert Tips for Maximizing Your All Clear Policy in 2024
How to Save on Your Premium
- Compare single-trip and annual multi-trip for your planned trips.
- Adjust excess and only add necessary extras.
- Disclose all relevant medical conditions at quote stage for accurate pricing.
Avoiding Common Pitfalls and Denied Claims
- Always declare pre-existing conditions or claims may be rejected.
- Check the policy exclusions list, especially for extreme/adventure sports or travel advisories.
- Retain all supporting documentation for claims (receipts, reports, confirmations).
Best Practices for Smooth Coverage
- Review latest travel advisories for destination before booking.
- Consider top-tier plans if cruising or undertaking complex itineraries.
- Contact customer service with any policy or claims questions; clarity upfront avoids surprises.
Frequently Asked Questions about All Clear Travel Insurance (2024)
- Q: Does All Clear cover COVID-19?
- A: Yes, medical expenses, cancellation, and repatriation due to COVID-19 are included on all main policies in 2024.
- Q: Is there an upper age limit?
- A: No, All Clear offers cover without upper age limits on both single and annual plans.
- Q: How quickly are claims paid?
- A: The average settlement is 15.2 days with most digital claims processed faster.
- Q: Can I add cover for adventure activities or cruises?
- A: Yes, select additional options during the quote process for tailored coverage.
Should You Buy All Clear Travel Insurance? Expert Verdict for 2024
All Clear Travel Insurance is a top choice for 2024, especially for those with medical conditions or seeking no upper age limits. With a 92.6% payout rate and a robust digital claims platform, it excels in reliability and ease of use. While premiums can be higher than basic plans, the coverage scope, customer satisfaction, and flexibility justify the cost for many travelers.
If you value comprehensive protection and excellent claims handling—especially if you have pre-existing conditions, are a senior, or are traveling as a family—All Clear is highly recommended in our 2024 travel insurance reviews.
Buy All Clear Travel Insurance and secure your next trip today.
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