At a Glance: Is AllClear Travel Insurance Right for You in 2026?
AllClear Travel Insurance Quick Facts & Awards
- Founded: 2000
- Headquarters: UK
- Customers: Over 3 million policies sold (2023-2025)
- Defaqto Rating: 5 Star (2025)
- Which? Recommended Provider: 2024 & 2025
- Specialist in pre-existing medical conditions
Who Should Consider AllClear? (Pre-existing Conditions, Seniors, Families)
- Travellers aged 50+
- Individuals with pre-existing medical conditions
- Families looking for comprehensive, flexible cover
- Adventurous travellers (winter sports, cruises, specialist cover)
Pros and Cons Summary
| Pros | Cons |
|---|---|
| Market leader for pre-existing conditions High award ratings Wide age eligibility (up to 100+) |
Premiums higher than budget providers Complex application for some medical disclosures |
Deep Dive: Coverage Options and Policy Features
Overview of AllClear’s Policy Types (Single Trip, Annual, Specialist)
- Single Trip: Flexible durations, suitable for one-off holidays
- Annual Multi-Trip: Unlimited journeys up to 31 or 45 days each
- Specialist Cover: Cruise, winter sports, golf, long-stay, and backpacker options
How AllClear Handles Pre-existing Medical Conditions (2026 Updates)
- 89%+ of customers with declared conditions offered coverage (2025 survey)
- Updated online medical screening tool, average completion time: 4 minutes
- COVID-19 extended cover continues in 2026
What’s Covered—and What’s Not? Exclusions Explained
- Covered: Emergency medical up to £15 million, repatriation, cancellation, baggage, Covid-19, personal liability
- Not Covered: Undeclared medical conditions, reckless behaviour, non-disclosed travel to restricted regions
- 65% of denied claims (2025) involved non-disclosure or excluded activities
User Experience: What Real Customers Say in 2026
Verified Customer Reviews: Trends and Key Takeaways
- Average Trustpilot score: 4.6/5 (8,200+ reviews, April 2026)
- Specific praise for clear documentation and pre-existing conditions support
- Negative feedback mostly about price and occasional process delays
Recurring Themes—Customer Service, Claims, Value for Money
- 98% rated service as ‘helpful’ or ‘excellent’ during claims (2025-2026 data)
- Average claim response time: 3.1 days
- 85% agreed: “Good value for comprehensive cover”
Case Study 1: Successful Medical Claim Abroad
In 2025, a 67-year-old customer suffered a heart incident in Spain. AllClear covered full emergency treatment (€18,300) and a flight home for both the customer and their spouse. The claim was settled in under two weeks.
Case Study 2: Navigating a Denied Claim
One user in 2026 reported a denied claim after failing to declare a prior surgery. Despite clear policy wording, the customer initially felt disappointed but praised the complaints handling team for their guidance and clarity.
Comparing AllClear in 2026: How Does It Stack Up?
Side-by-Side Comparison with Top UK Travel Insurance Providers
| Provider | Medical Cover | Age Limit | Pre-existing Condition Cover | Trustpilot Score |
|---|---|---|---|---|
| AllClear | £15M | 99+ | Excellent | 4.6 |
| Aviva | £10M | 80 | Limited | 4.3 |
| Staysure | £10M | 90 | Good | 4.5 |
Pricing Transparency: Typical Costs and Recent Examples
- Annual (60-year-old, Europe): From £135
- Single trip (Family of four, 2 weeks, USA): £176–£288 depending on medical history
- Specialist cover (cruise, age 70, pre-existing conditions): £245–£390
Unique Benefits and Drawbacks vs. Competitors
- Benefits: Unrivalled for medical condition coverage and older travellers
- Drawbacks: Costlier for healthy, younger travellers; not always the cheapest
The Claims Process: Step-by-Step Guidance
How to Make a Claim with AllClear (2026 Process)
- Log into your online AllClear account
- Upload supporting documents (bills, medical reports, travel proof)
- Submit the claim form
- Receive SMS or email status updates
- Average resolution: Within 14 days (2025-2026 stats)
Processing Times, Approval Rates, and Payout Statistics
- Approval rate: 91% (2025-2026)
- Average payout: £2,480 per claim
- 84% of claims settled in under three weeks
Expert Tips to Maximize Claim Success
- Always declare all pre-existing conditions honestly
- Double-check travel advisories for your destination
- Keep original receipts and documents for every expense
Latest Developments and Expert Analysis (2024-2026)
New Product Launches and Policy Updates
- 2025: Launch of AllClear Cruise Plus for multi-country itineraries
- 2026: AI-powered claims chatbot for faster resolutions
- Digital medical screening with improved accessibility tools
Recognition and Industry Awards (Which?, Defaqto, Others)
- Defaqto 5-star rating for the fourth year running (2023-2026)
- Which? Travel Insurance Recommended Provider (2024, 2025)
- British Insurance Awards – Finalist, Customer Service (2025)
Regulatory Changes and Impact on Policyholders
- 2024: FCA reforms led to clearer policy wording and improved cooling-off periods
- Further EU/UK travel adjustments in 2025 streamlined cross-border medical coverage
Frequently Asked Questions: AllClear Travel Insurance Reviews 2026
- Does AllClear cover all pre-existing medical conditions? Most common, but not all—screening is required
- Is COVID-19 still covered? Yes, emergency medical and cancellation cover included in 2026 policies
- Can seniors get annual travel insurance? Yes—AllClear covers up to age 99+ on many plans
- How do I get a quote? Online quote forms or phone support—see link below
Should You Choose AllClear? Final Considerations for 2026 Buyers
Based on our 2026 AllClear travel insurance reviews, this provider stands out for specialist cover, customer service, and support for medical conditions. While premiums are higher than average, the peace of mind and broad eligibility—especially for older travellers and those with complex health histories—makes AllClear an industry leader. For families and adventurous holidaymakers, AllClear’s wide range of policy options and award-winning service are hard to match. If you want robust protection and proven reliability, AllClear is an excellent choice.
Ready to get a personalized quote? Visit the official AllClear website here: Buy AllClear Travel Insurance
Compare policy options, see full terms, and secure your 2026 cover today.