What’s different about an AllClear Medical travel policy?
For Single-trip policies:
- No age limits
- No specific medical condition is automatically unacceptable. For example, we regularly insure travellers with chronic breathing problems, heart disease, cancer and HIV
- Very severely impaired travellers can be offered a quotation providing they are fit to travel.
- Mental health conditions - from anxiety right through to schizophrenia and bipolar disorder - all equally insurable. The vast majority of mainstream insurers will not even consider covering these conditions at any price, irrespective of how mild they may be.
- In many cases, we can offer cover even where the applicant has received a terminal prognosis.
We also offer annual multi-trip policies, up to aged 70 (65 for North America) for mild and some medium-severity cases.
Other bespoke features
Our policy has a number of unique features which are highly valued by travellers in the impaired health market:
- Travelling Companions’ Cancellation Cover. We would prefer to insure all members of the party, but sometimes, travelling companions may have already taken out a policy elsewhere, e.g. through their travel agent. That policy is very unlikely to cover the travelling companion for cancelling or curtailing the shared trip due to an untimely recurrence of our insured’s pre-existing condition. For a very small premium, we can add cover for this specific contingency.
- Waiting List Cover Mainstream and even specialist insurers will not cover cancellation or curtailment risks resulting from the policyholder being on a waiting list for treatment (e.g. an organ transplant). If availability of treatment occurs at short notice, the traveller may have to cancel the holiday before departure or return home early if treatment becomes urgently available during the holiday. AllClear will cover the resulting cancellation charges or rearranged flight costs for an additional premium.
- AllClear have no waiting time after an operation before offering a quote
- Cancer patients can be insured even whilst actually on a course of chemo or radio-therapy.
Options
We offer the following additional cover options:
- Winter sports risks.
- Hazardous or dangerous sports.
- Exclusion of baggage and/or cancellation sections - for a premium reduction.
- Exclusion of cover for pre-existing medical conditions - as some applicants may decide they do not wish to pay for full cover. We do however, strongly advise against travelling without adequate cover, as hospitalisation abroad due to a pre-existing condition can lead to severe financial loss.
