%201.svg){kind=spacer}
Travel Insurance for people with Mental Health Conditions
Please read the Target Market Determination and Product Disclosure Statement
- No upper age limit
- Over 1,300 medical conditions covered
- Unlimited medical emergency expenses cover available with 24/7 emergency medical helpline
.jpg){kind=spacer}
Why do you need Travel Insurance for mental health conditions?
With Travel Insurance, you have cover for medical treatment for care related to your mental health conditions. This helps reduce stress related to medical costs and other expenses.
Reasons to get Travel Insurance for mental health conditions include:
- Reducing stress: There are many key details to be mindful of while travelling that can become very stressful. Living with a mental health condition can add to this stress. By having Travel Insurance, you can alleviate anxiety related to trip cancellation costs and medical fees, helping you enjoy your holiday more.
- Medication cover: If you misplace medication or it is stolen while on your holiday, Travel Insurance may cover you for the cost to replace it.
- Overseas healthcare: The cost of medical treatment can vary heavily depending on your location. The right Travel Insurance policy means you can be covered for all your destinations.
- Phone support: With AllClear’s mental health cover, you have access to a 24/7 helpline to help you deal with potential issues or emergencies you may have while overseas.
- Cancellation cover: If your trip is delayed or cancelled due to your mental health or because of other pre-existing conditions, you can be covered for the cost of unused travel and accommodation.
This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
Do you need to declare your mental illness? What if your mental illness condition is undiagnosed?
To get a comprehensive quote and complete cover, you will need to declare all your mental health conditions as well as other pre-existing conditions. If your condition has not been diagnosed, then claims related to that condition may not be covered. You may need to wait for an official diagnosis from a licensed professional.
Why choose AllClear Travel Insurance for mental health conditions?
At AllClear, we want to help as many people as we can create unforgettable travel memories. That’s why we tailor our policies to the needs of people living with pre-existing conditions and senior travellers.
Our comprehensive cover includes:
- No upper age limits
- Cover for over 1,300 pre-existing medical conditions
- Unlimited medical cover and a 24/7 medical emergencyhelpline
- Covered over 3.5M people worldwide since 2000,travelling to destinations all over the globe
- 94% of customers rate us as ‘Great’ or ‘Excellent’1,
- 98% would recommend us to family and friends2
What mental health conditions does AllClear cover?
AllClear has previously offered cover for conditions related to depression, anxiety and other mental health issues.
We can consider cover for any mental health diagnosis. Simply give an honest and accurate declaration during your initial screening process and we will try to create the most suitable policy for you.
Disclosing mental health disorders to AllClear
How to declare pre-existing conditions with AllClear
While we are developing an initial quote for your Travel Insurance, you will be asked to take reasonable care to ensure you declare any pre-existing medical conditions you may be living with, including mental health conditions.
If you are declaring other health conditions during the screening as well, we may ask you questions such as:
- How old were you when you were diagnosed?
- Are you undergoing treatment at the moment, or do you have treatment planned?
- Have you had any unexpected hospital admissions?
- Have you had any surgery or outpatient/inpatient treatment?
- Have you had any referrals or investigations?
We may also ask more specific questions related to your mental health diagnosis. Please answer these questions to the best of your ability to ensure your policy remains valid.
Do you always need to declare your mental illness?
To make sure you have the most comprehensive cover possible, all pre-existing conditions, including your mental health diagnosis, need to be declared. Your cover may be invalidated otherwise.
Multi-Award Winning Travel Insurance
We're proud of our multiple awards, recognising AllClear as a trusted Travel Insurance provider.
Winner: 2025 Mozo Experts Choice Exceptional Value Cruise Travel Insurance
Winner: 2025 WeMoney Awards Best for Seniors Travel Insurance
Winner: WeMoney Awards 2025 Best for Specialist Cover
Finalist: Best for Quality Travel Insurance WeMoney Awards 2025
Levels of Travel Insurance cover
We offer three levels of cover: Gold Plus, Gold and Traveller. The Traveller product is only available for Single Trip policies. This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
What does AllClear’s Travel Insurance cover?
AllClear’s Travel Insurance covers the cost of trip cancellations and medical treatment while you are overseas, including replacement medication.
What's covered?
Cover for medications, tests, and treatments required if you become ill or injured while travelling. Your Travel Insurance may also include the cost of repatriation to Australia if it's deemed necessary.
If something unexpected happens and you need to cancel your trip before departure, your Travel Insurance may help recover the cost of unused flights, accommodation, and other prepaid expenses.
If an emergency arises that forces you to cut your trip short, your policy may cover the costs associated with returning home earlier than planned.
You may be reimbursed for reasonable additional expenses caused by transport delays, including flights, trains, or other scheduled services.
Your luggage and personal items may be covered if they’re lost, stolen, or damaged while you're away.
Depending on your cover, legal costs you incur while pursuing compensation for incidents that occur during your trip may be covered.
Our Travel Insurance policies do not impose an upper age limit, offering peace of mind for travellers of all ages.
What’s not covered?
In most cases, claims that fall below your policy excess will not be paid.
You’ll only be covered for travel to the destinations or regions you nominated when taking out the policy. This applies to both domestic travel within Australia and international trips.
You may not be covered for claims resulting from events or situations you were already aware of before purchasing your policy or booking your travel.
All relevant medical conditions must be disclosed at the time of purchasing your policy. Treatment related to any undeclared conditions may not be covered.
While plans can change, cancellation cover only applies when the reason for cancelling meets the conditions listed in the policy’s terms and conditions.
This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
How to find the best Travel Insurance for travelling with mental health conditions
We have a great range of policies to suit your travel frequency.
Annual Multi-trip Travel Insurance
If you travel multiple times a year, our Annual Multi-trip Travel Insurance could be the best option for you. You will be covered for any trips you make within a year.
Single Trip Travel Insurance
If you are only going away once a year, then consider using our Single Trip Travel Insurance for your holiday. You’ll have cover for cancellations, medical treatment and lost medication.
Tailored Travel Insurance for every holiday
Check out our full range of additional policies to find a plan that suits your journey.
Pre-existing Medical Conditions
Cover for over 1,300 pre-existing conditions.
Cruise Travel Insurance
Cover for cabin confinement and missed ports on cruise trips.
Seniors Travel Insurance
AllClear has no upper age limit on Travel Insurance policies.
Destinations covered by Travel Insurance when living with mental health conditions
AllClear can cover you in many destinations across the world.
Europe
Visit Finland, France or Germany with more peace of mind.
Worldwide
Experience iconic destinations around the world, from Singapore to South Africa.
Domestic
Take a journey closer to home with an unforgettable domestic holiday.
Get your Travel Insurance quote
Travel with confidence
Cover for outdoor activities
Sail across the Marlborough Sounds or hit the slopes of the Swiss Alps with more peace of mind. With AllClear’s cover, you can try out thrilling activities around the world without stressing about your medical fees. So long as the activity is within your policy, we can cover you for the cost of medical treatment.
Activities covered by AllClear include:
- Hiking (on recognised routes, up to 3,000m)
- Cycling (excluding BMX and mountain biking)
- Kayaking (in calm waters)
- Snorkelling (to 10 metres deep)
- Scuba diving (to 30 metres deep)
- Skiing (where the appropriate winter sports premium has been paid)
We can also cover the cost of rental car insurance excess if you are planning to drive on your holiday (subject to the appropriate additional premium being paid and shown on your Policy). Our cover applies if your vehicle is stolen or damaged while in your care, or if it is involved in an accident.
For more information on our outdoor activities cover, please review our PDS.
Get covered for emergency medical expenses
While a holiday is a fantastic chance to see incredible sights, there are risks you should be aware of before travelling. With AllClear Travel Insurance, you can enjoy your trip with more peace of mind knowing you are covered in case of an emergency.
Some countries have a Reciprocal Health Care Agreement (RHCA) with Australia. This agreement means that some medical expenses will be covered by the healthcare system in these countries For treatment related to mental health, you will need a specialist Travel Insurance provider like AllClear for more comprehensive cover.
With AllClear, you are covered for the cost of medical treatment and for the cost of lost medications, including those related to your diagnosis.
Our policies also include a 24/7 helpline to guide you through emergencies and help you manage your condition. This means we can help you get the care you need, no matter where you are.
For further information on our medical cover and exclusions, please see our PDS.
How much is Travel Insurance for mental health conditions?
The cost of Travel Insurance for mental healthconditions can vary depending on the following factors:
- The exact diagnosis of your mental health: The specific mental health conditions you are living with can affect the total cost of your Travel Insurance.
- Other pre-existing health conditions: If you are living with other medical conditions in addition to a mental health diagnosis, these conditions can also affect the cost of your premium.
- How long your trip is: The longer your trip is, the higher the final cost of your policy may be. This is because more time away increases the chance that an incident may occur.
- Where you are going: Certain destinations are riskier to travel to than others. The cost of your policy may be affected because of this.
- Any additional cover: If you have added sports cover, cruise cover or other insurance policies, that will increase the final price of your Travel Insurance.
Travelling companion cancellation cover
We offer cancellation cover for you and any family, friends or carers travelling with you. If you're unable to depart or need to return home early due to circumstances related to your disability, we may also cover your companion’s associated expenses.
Our cover includes:
- Cover for deposits lost on unused flights, accommodation, or pre-booked excursions.
- Cover for the unused portion of the trip if your companion needs to cut their journey short due to a medical situation affecting you.
Tips for travelling with a mental health condition
A fun, safe trip overseas is made easier with the right preparation. This allows you to effectively manage your conditions while enjoying your holiday to the fullest. Here are some tips to make sure you stay well and have a good time overseas:
- Travel Insurance: Purchasing Travel Insurance can help you avoid stress while you are overseas. Just be sure to look over your policy, so you know what you are covered for and follow all the relevant conditions.
- Consult your doctor: Book an appointment with your doctor to make sure you are fit to fly before you leave. You should also check that your medications are legal where you are going, and look at alternatives if they are not.
- Consult your therapist: Be sure to check in with your therapist or other mental health professional before travelling. Ask for tips on how to manage your mental health while you are travelling.
- Understand entry requirements: Be sure you have the proper visa and other travel documents you will need to enter the country you are visiting. By looking these details up ahead of time, you can feel more prepared on the day.
- Travel with companions: Depending on your condition, you may want to travel with family, friends or a carer to help you feel safer and more comfortable on your trip.
- Avoid crowds and triggers: If you live with anxiety or struggle to manage high levels of stimulation, it may be a good idea to avoid crowded spaces. Consider looking up less busy times for major attractions or finding calmer activities.
These are only our recommendations, if you are concerned before travelling you should seek the advice of a medical expert.
Our experts say
“The holiday of your dreams is still well within reach for those living with mental health conditions. With AllClear Travel Insurance, you have comprehensive cover for the cost of lost medication or trip cancellations caused by your mental health condition. AllClear also offers a 24/7 helpline and a wide range of policies to give you more peace of mind on your journey. Consider AllClear Travel Insurance to get the care you need on your holiday.”
What our customers say
“I was able to get the coverage my wife and I needed, given our medical situations and our ages. The online process was efficient, and no further clarification was needed.”
see full review
Being covered is as easy as 1, 2, 3
Get your quote in seconds
Provide your personal details and information about your holiday plans
Select and tailor your cover
Now all you need to do is to choose the level of cover that best suits your needs
Buy your cover and relax
Purchase your cover and you’re ready to go – we’ll take care of the rest!
FAQs about Travel Insurance when travelling with mental health conditions
Does Travel Insurance cover cancellation due to anxiety?
Yes, AllClear Travel Insurance can cover cancellation due to anxiety conditions, in line with terms and conditions. To make sure your cover remains valid, you must have declared your condition during your screening process.
Can I travel with mental health issues?
Yes, it’s absolutely possible to travel if you live with many kinds of mental health conditions. For a safe and fun experience, consult with your regular medical and psychological professionals before travelling.
What does Travel Insurance not cover?
Some standard Travel Insurance policies don’t include cover for pre-existing medical conditions. This usually requires specialist Travel Insurance.
We consider cover for a wide variety of conditions. You just need to declare them during your medical screening.
Travel Insurance may also exclude claims arising from reckless or high-risk behaviour, as well as situations you were already aware of at the time of purchase.
Always check the terms and eligibility criteria of your policy carefully before buying or travelling, so you fully understand what is and isn’t covered.
Do I have to disclose I'm on antidepressants?
Yes, you will need to disclose that you are on antidepressants when purchasing your AllClear policy. That’s because it is a medication related to a pre-existing condition.
What if my mental health improves after I purchase my policy? Do I still need to declare it?
Yes, you will still need to declare mental health conditions even if they improve after you’ve purchased your policy. This is to make sure that you are covered for any claims related to that condition while you are overseas.
What happens if you don't declare a pre-existing medical condition?
If you don’t declare mental health conditions you are currently living with, we may not be able to approve any claims related to that condition.
Please be sure to declare all your pre-existing conditions during your screening process, either over the phone or online. That way, you have the cover you may need while overseas.
- Based on 2,185 Trustpilot responses as of September 2025.
- Based on AllClear’s Post Purchase survey, 308 responses, correct as of 07/05/2025.
Get your Travel Insurance quote
Travel with confidence