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Travel Insurance
Please read the Target Market Determination and Product Disclosure Statement
- Unlimited medical emergency expenses cover with 24/7 emergency medical helpline
- Unlimited cancellation cover available
- No upper age limit
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What is Travel Insurance?
Travel insurance protects you if unexpected events occur during your trip. It covers medical emergencies, travel delays, and issues with your belongings. Our plans include cover for medical emergencies, repatriation, lost luggage, and trip cancellations.
From international cruises to annual multi-trip holidays, you can tailor the perfect policy to suit your travel style and destination. Our policies cater to singles, duos, and families. 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.
Why is Travel Insurance important?
Travel doesn't always go as planned. Travel insurance covers unexpected events, whether you are travelling overseas or within Australia. Without it, you or your family could face significant financial hardship.
According to the government website, Smartraveller, emergency medical assistance is often the highest unexpected cost for Australians travelling overseas.
Travel insurance also covers other problems that might occur while you are away. Research by Smartraveller shows one in four Australians experienced travel disruptions, like flight cancellations or lost luggage, on their last overseas trip.
The right Travel Insurance means you can enjoy your trip, knowing you’re protected from financial burdens if mishaps occur.
What does AllClear’s Travel Insurance cover?
We’re a specialist Medical Travel Insurance provider. We cover more than 1300 medical conditions, from diabetes to cancer. Each policy is different, but we typically cover:
What's covered?
Costs of tests, medications, and procedures needed to treat an illness or injury while travelling. You’ll also be covered for repatriation to bring you safely back home.
Cover for flight and accommodation costs if an unexpected event means you have to cancel your trip before you go.
Cover if you need to return home early following an emergency.
If your flight is delayed, we’ll compensate you for the time.
You’ll be covered if your baggage or its contents are lost or stolen.
Cover for your legal expenses and any liability due if you accidentally injure someone or damage their property while you’re on holiday.
Provides cover for your legal expenses if you have to claim compensation or damages due to something that happened while you were on holiday.
What’s not covered?
For most claims, you won’t be covered for the travel insurance excess (the first part of any claim).
Your cover is limited to trips within the designated region of cover you chose, whether that’s Australia or overseas.
Claims related to events or issues that you knew about before buying the travel insurance or before booking any individual trip are not covered.
You need to declare all your medical conditions. If not, we won’t be able to cover you for any unexpected treatment connected to known health concerns.
We know that plans change, but you’re only covered for cancellation if the reason is within the policy 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.
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.
Customise your Travel Insurance for peace of mind
View our add-ons that can enhance your cover.
Tailor your policy now so you're protected on your next adventure.
Cruise Travel Insurance
Going on a voyage? Get award-winning Cruise Travel Insurance for your next trip.
Adjust your excess
You can choose to pay zero excess in the event of a claim or pay double excess, with a reduced premium.
Travelling Companion
Protect your friends and family if they can’t travel due to your medical conditions.
Winter sports
Cover for your winter sports, whether snowboarding, skiing or sledding.
Golf
Cover for your golfing equipment, green fees and more
Why choose
AllClear Travel Insurance?
94%
of reviews rate us Excellent or Great. Based on 1900+ Trustpilot reviews, July 2025
98%
of customers would recommend AllClear to family and friends. Based on AllClear’s post purchase survey, 373 responses, correct as of 29/05/25
99%+
of customers would consider buying from us again. Based on AllClear’s post purchase survey, 373 responses, correct as of 29/05/25
Tailor your Travel Insurance for your needs
Choose the Travel Insurance type that suits your needs
Travelling with pre-existing medical conditions?
Medical care can be expensive, and comprehensive Travel Insurance protects you from financial burdens if you need emergency treatment during your trip.
As a specialist provider, we can cover more than 1300 pre-existing conditions. With AllClear travel insurance you can travel confidently knowing you’re protected from unexpected costs.
Are you a senior traveller?
We insure people of all ages, including providing Senior Travel Insurance, with no upper age limit. Learn more about Travel Insurance for your age group here:
Are you going on a cruise?
Planning a cruise? Whether international or domestic, having cruise travel insurance cover is essential. It protects you against cruise-specific mishaps, ensuring your trip goes smoothly.
- Cabin Confinement: Cover if you’re confined to your cabin due to illness.
- Missed Departures: Protection if you miss the departure of your cruise due to unforeseen circumstances.
- Medical Emergencies: Comprehensive cover for medical treatment and repatriation, whether on board or at a port of call.
- Trip Curtailment: Cover for returning home early due to an emergency.
- Don’t leave your cruise experience to chance. Ensure you have the right cover to enjoy your journey with peace of mind.
Tailored Travel Insurance for every journey
Rest easy knowing your travels are protected with cover that fits your needs, whether it's a single trip or multiple adventures.
Annual Multi-trip Travel Insurance
Ideal for frequent travellers, this policy offers cover for every trip over 12 months.
Single Trip Travel Insurance
Perfect for one-off trips, whether it’s a weekend break or a month-long adventure.
Destinations covered in Travel Insurance
When planning an overseas trip, it’s crucial to get the right level of cover for your destination. Travel Insurance for international trips protects you against unexpected events.
How much does Travel Insurance cost?
How much does Travel Insurance cost? The cost of Travel Insurance can vary significantly based on several key factors.
- Your destination: Where you travel affects premiums, as risks and costs of medical treatment differ.
- Length of your trip: Longer trips are more expensive due to higher risks.
- Your age: Older travellers usually pay more due to higher health risks.
- Pre-existing medical conditions: Existing conditions can raise premiums because of the higher risk of needing medical treatment.
Opting for the cheapest policy might not be best. It could leave you underinsured and unable to claim when needed. It’s better to choose Travel Insurance that offers full cover for your needs.
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!
Our experts say
"With no upper age limit and over 1,300 conditions covered, AllClear caters exceptionally well to older travellers. Their strong emphasis on medical emergencies, cancellations, and 20 years of proven expertise make them a reliable choice. It’s no wonder customer satisfaction is at 94%, setting the benchmark for value and quality in Travel Insurance."
What our customers say
"Being a senior with multiple health issues I have been doing a bit of research into different travel insurance providers. I decided to give All Clear Travel Insurance a call for our upcoming trip overseas. From the start of the phone call I was made comfortable and reassured by Kate as she stepped me through all the questions. After the assessment I was extremely surprised and relieved that I was going to be able to be insured with all of my health issues. Thank you All Clear for the wonderful service that was provided by your Kate."
see full reviewFAQs
How does Travel Insurance work?
Travel insurance helps you if unexpected things happen while you travel. It covers medical emergencies, trip cancellations, lost or stolen belongings, and other travel problems. If something happens, you can file a claim to get money back for covered expenses. This gives you peace of mind during your trip.
Do you need Travel Insurance?
Travel insurance is not required, but it is very important. It protects you from unexpected events that could ruin your trip. It covers medical emergencies, trip cancellations, travel delays, and lost belongings. Without it, you could face big expenses if something goes wrong during your travels, both in your country and abroad.
What Travel Insurance do you need?
The type of travel insurance you need depends on where you're going, how long you'll be away, and what you'll be doing. For frequent travellers, an annual policy is best. For one-time trips, a single trip policy is ideal. If you plan to do winter sports or extreme activities, get special cover for those.
How to get cheap Travel insurance?
To find cheap travel insurance, choose different levels of cover. Look for deals or discounts. You can also bundle insurance with other services. Make sure the policy gives you enough protection for your needs. Don't skip essential cover just to save money.
What does Travel Insurance not cover?
Travel insurance usually does not cover pre-existing medical conditions unless included in your policy. It may not cover travel to places with government travel warnings, reckless behaviour, or known events before buying the policy. Always read the policy terms to know what is not covered.
When should you get Travel Insurance?
You should buy travel insurance as soon as you book your trip. This way, you're covered for any unexpected events that might make you cancel your trip before you leave. It also covers you before your trip, giving you peace of mind from the start of your travel plans.
What sports and activities are covered under your policies?
Our travel insurance covers many sports and activities, including hiking, swimming, and non-contact sports. For activities like skiing or scuba diving, you may need extra cover. Always check your policy to make sure your planned activities are included.
Do you cover pre-existing medical conditions?
Yes, we specialise in covering pre-existing medical conditions. At AllClear, we believe everyone should travel with confidence, even with medical conditions.
We’re here to help
Emergency assistance 24/7
Find out what to do if you need emergency medical assistance when on holiday.
Need to make a claim?
Find out what to do if you need to make a claim under your Travel Insurance policy.
Product Disclosure Statement
Find out all the cover details of the different policies.
Get your Travel Insurance quote
Travel with confidence
