Travel Insurance for the UK

If you are living with a medical condition, you might think that travel insurance will be difficult to arrange or too expensive. At AllClear, we aim to change that.

Our straightforward medical screening process means you can declare your condition online or over the phone. We cover a wide range of pre-existing conditions, including:

• Cancer
• Heart conditions
• Diabetes
• Epilepsy
• Atrial Fibrillation
• Stroke
• Disability

We believe that pre-existing medical conditions should not prevent you from seeing the world. Our travel insurance policies are built to include the cover you need, so you can focus on enjoying your time overseas.

The UK and Australia have a Reciprocal Health Care Agreement (RHCA), which allows Australians to access some public health services while visiting the UK.

However, there are key gaps in this agreement. It does not cover medical costs associated with:

• Non-subsidised medicine from pharmacies
• Prescription medicines if you’re not a National Health Service (NHS) patient
• Dental services

That is why travel insurance remains essential. AllClear Travel Insurance includes additional cover for your emergency medical expenses, allowing you to travel with peace of mind.

In addition, we offer a 24/7 emergency medical helpline, so you are never without help when you need it most.

The UK is made up of four distinct nations: England, Scotland, Wales, and Northern Ireland. Each region has its own character and charm, and all are covered under AllClear’s UK Travel Insurance policies.

Here is a quick guide to the UK’s four regions:

• England: Home to iconic cities like London, Manchester, and Oxford, and famous landmarks like Stonehenge, Big Ben and the Cotswolds.
• Scotland: Scotland is known for cultural capitals like Glasgow and Edinburgh. It’s also home to breathtaking rural areas like the Scottish Highlands.
• Wales: Wales is rich in medieval history and gorgeous rural areas like Snowdonia.
• Northern Ireland: Features the Giant’s Causeway, Titanic Belfast, and rugged countryside ideal for stunning road trips.

Planning to travel to the Republic of Ireland? You will need to include that as a separate destination when you purchase your policy, as it is not part of the UK.

While the UK is a relatively safe travel destination, there are some health and safety considerations to keep in mind.

• Crime in urban centres: In some UK cities, particularly London, there are higher rates of knife crime and petty theft. Stay alert and avoid poorly lit areas at night.
• Terrorism: The UK has been the victim of several terrorist attacks in recent years. You can check the threat level and get practical safety tips on the UK government’s terrorism webpage.
• Pickpocketing: Tourist areas such as Westminster and major train stations are hotspots for scams and pickpockets. Consider using a money belt, avoid carrying unneeded valuables, and be cautious in crowds.
• ‍Outdoor safety: If you’re hiking or walking in rural areas, check the weather forecast and stay on marked paths. UK weather can change quickly, especially in places like the Scottish Highlands. You can check the Met Office's hazardous weather page to confirm the conditions in areas you plan to visit.