Training Example: AllClear Travel Insurance – Review the Data, Give Your Score & Compare to the Real AI Evaluation

#1 Most Trusted Insurance Company in 20252
[H1] Travel Insurance

[H2] All conditions. All ages. All destinations.

Voted UK's No.1 for Customer Care1
24/7 English-speaking emergency helpline
Unlimited medical and repatriation cover available

Call Free 0800 848 8608

Get Quote Online

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[IMG: Defacto Rated]

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Trusted for 25 years

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Covered 3.5 million+ travellers

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98% customer satisfaction4

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Travel Alert Due to unrest in the Middle East, please check travel advice before you go. Our Customers Say We're ExcellentRated Excellent based on Trustpilot reviewsTrustpilot
[H2] You're 3 times more likely to have an unpaid claim with some providers vs AllClear
Your cover matters most at the moment of truth, when you need to make a claim
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[H3] Not all Travel Insurance is the same...
When you buy Travel Insurance, you hope you'll never need to use it. But if things go wrong, that's when it really counts.We pay out: Our claims settlement rates are 24% higher than some providers, and more than 9% higher than the FCA's industry averageWe've been awarded Which? Best Buy for our travel products 3 years running. Which? include both claims settlement and claims complaint rates in their decisionWe make sure you're properly looked after if you ever need to claim.It's why AllClear is the UK's most trusted Travel Insurance provider.
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Trustpilot
[H2] Join the 3.5 million+ members we've helped cover
Peace of Mind99%+of all claims paid within 5 working days3Satisfied Customers98%of customers rate us as 'Excellent' or 'Great'4Recommend Us97%of customers would recommend us to family and friends5All-Inclusive99.5%of customers are offered cover6
[H2] Get exclusive access to a Which? Digital subscription for just £29 when you purchase a policy
As a Which? Best Buy 3 times running, AllClear is offering our customers exclusive access to Which? Digital subscription for the low price of just £29 (usually £89).Shop smarter, save money, and feel confident in every purchase with 12 months access to Which?Which? Annual subscription renews at £89 unless cancelled. Cancel anytime. Offer ends 31 July 2026. T&Cs apply.
[H2] Specialist Travel Insurance for all
Choosing the right Travel Insurance lets you relax, knowing that your holidays are protected against the unexpected. With AllClear you can unwind with comprehensive cover.
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[H3] Annual Multi-Trip Travel Insurance from £60.127
Travel as many times as you want in the next 12 months with Annual Multi-trip Travel InsuranceAnnual Multi-Trip Travel Insurance
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[H3] Single Travel Insurance from £29.568
Covering you for one trip, whether a weekend break or a month long getaway, with Single Trip Travel InsuranceSingle Trip Travel Insurance
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[H3] Pre-existing Medical Travel Insurance
Get peace of mind with Medical Travel Insurance including diabetes, cancer and heart diseasePre-existing Medical Travel Insurance
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[H3] Over 70s Travel Insurance
We believe everyone deserves the right to travel, no matter their age, with our over 70s Travel InsuranceNo Age Limit Travel Insurance
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[H3] Cruise Travel Insurance
Specialist Cruise Travel Insurance for your next holidayCruise Travel Insurance Multi-award winning Travel InsuranceWe're proud of our multiple awards, recognising us as a trusted industry expert.
[IMG: Broker Innovation Awards 2023, Customer service award]
WINNERBroker Innovation Awards 2024, Personal Lines - Broker of the Year
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VERY GOODBest Companies 1-Star Accreditation 2024
[IMG: Insurance Times Awards 2023, Customer Champion of the Year - Broker]
WINNERInsurance Times Awards 2023, Customer Champion of the Year - Broker
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WINNERUK Broker Awards 2023, Customer service awardSee All Awards Travel Advice and GuidesGuide to planning a cruise tripWhether it's your first time planning a cruise, or you're a veteran cruiser, there can be a lot to prepare. Our handy series of guides will help you on your way to a blissful cruise.Read full articleEurope Travel InsuranceGet comprehensive Travel Insurance that covers your trips within Europe, including popular destinations such as Spain, Italy and France.Read full articleFREE Downloadable Packing ChecklistWith our handy travel planner and packing checklist, it's easy to organise your holiday and tick off all the essential tasks you need to complete.Read full article
[H2] Frequently asked questions
What is Travel Insurance?Travel Insurance is a type of cover that protects you and your holiday from various risks. This could be if you need emergency medical treatment while you are on holiday or if you need to cancel your trip before you go. The level of protection you have will depend on the level of cover you choose. What is the purpose of Travel Insurance?The purpose of Travel Insurance holiday cover is to provide financial protection and medical support if you need help when you are away. Travel insurance can help cover the costs of emergency medical care and loss of luggage. How much is Travel Insurance?How much you will pay for Travel Insurance will depend on your age: pre-existing medical conditions, trip duration and destination. Travel Insurance will cost a percentage of your overall holiday budget.However, it will protect you from bills from an emergency abroad that could otherwise cost you tens of thousands of pounds. What Travel Insurance do you need?The type of Travel Insurance cover you choose will depend on frequently you travel.An Annual-multi trip Travel Insurance policy can save you time and money if you plan to get away more than once within 12 months, otherwise a single trip policy might be better for you.If you plan to take a cruise, you'll need cruise cover. Cruise cover offers all the essential elements of cover found on a standard Travel Insurance policy, but with extra benefits tailored for your cruise holiday. How to get a quote for Travel Insurance?All you need to do is start a quote and complete the medical screening process. You'll be asked a set of simple questions regarding your medical history and trip details. You'll then be presented with various options for Travel Insurance cover. How to buy Travel Insurance?You can buy online Travel Insurance directly from our website. Alternatively, you can call one of our specialist experts who can help guide you through the process over the phone. Our Press & TV Coverage As Seen In...
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[H2] Watch our latest TV commercial
Are you struggling to find the cover you need because of an existing medical condition?In the unlikely event we can't cover your medical condition, or the premium is higher than you expected, help is still available…The Financial Conduct Authority (FCA) has worked with firms to create a Medical Cover Firm Directory. AllClear fulfils the FCA approved criteria for Medical cover and is selected for inclusion. The directory lists specialist firms that may be able to provide a policy to cover your medical conditions. You can visit BIBA's website to search their FCA approved directory of specialist firms that may be able to provide a policy to cover your medical conditions.
AllClear Gold, Gold Plus and Platinum policies achieved Which? Best buy. AllClear Gold Plus and Platinium has been 5 Star rated by Defaqto
1. UK Broker Awards, Customer Service Award 2025.
2. Based on UK companies in the 'insurance' category on Trustpilot, as of July 2025.
3. 99%+ is based on non-assistance claims approved for payment during January 2024 to January 2025 on AllClear branded policies only. 5 working day window commences when insurers have received all relevant information and documentation to confirm claims cover.
4. Based on 185,000+ Trustpilot responses, as of June 2025.
5. Based on 574 responses, post-purchase survey June 2025.
6. Based on completed quotes between March 2025 and February 2026.
7. Price stated is for an up to 50 year old with high blood pressure for an AllClear Gold Plus annual multi-trip policy to Europe. Price is correct as of 28/07/2025. 20% discount has been applied.
8. Price stated is for an up to 50 year old with high blood pressure for an AllClear Gold Plus 10-day single trip policy to United Kingdom. Price is correct as at 28/07/2025. 20% discount has been applied.

Travel with confidenceGet your Travel Insurance nowCall Free 0800 848 8608Get Quote Online

1. Your Trip

2. Medical

3. Quotes

4. Purchase

[H1] Your trip details

[H2] Are you a resident of the UK?
Single or annual
Are you a resident of the UK?
You must have lived in the UK for at least 6 of the last 12 months. You must
have a
permanent UK address
and be registered with a medical practitioner in the UK.

This policy is only available to UK residents who are in the
UK at the time of the purchase
(includes England, Scotland, Wales, Northern Ireland, the Scilly Isles, the
Isle of Man and Channel Islands).

[H2] What type of travel insurance do you need?
Single or annual
multi-trip?
Single trip:Cover for a single trip, for the exact number of days you need.
Annual multi-trip: Covers multiple trips within one year, with
a total of up to 183 days across all your trips. You can purchase your annual multi-trip policy
up to 60 days before your policy start date.
You can get cover for up to 45 days per trip. If you want to stay longer, you
can add the optional extra ‘Extended Stay’ to increase your maximum trip length
to 55 days per trip.
If you're aged 71 or over and travelling to the USA, Canada, Mexico, or
the Caribbean, the maximum length for each trip is 35 days, and
the ‘Extended Stay’ optional extra is not available.

Please
select
Single or Annual

Annual multi-trip
Cover for multiple trips within 365 days

Single trip
Cover for one trip over specific dates

[H2] When are you travelling?
Single trip
A single trip
policy could work out cheaper
if you're only travelling once within the year and cover can be arranged for the
exact
number of days you require.
Please note the minimum trip length is 2 days.

There will be no cover
for any claims if you have already started your trip.

Start date

Please enter a valid start date
Travel dates cannot be before todays date
Your trip
cannot start more than 365 days in advance

Return date

Single trip
A single trip policy could work out cheaper if you're only travelling once within the year and cover can be arranged for the exact number of days
you require.
Please note the minimum trip length is 2 days.

Please enter a
valid return date

Please enter a start date.

Please enter a return date.

Travel dates
cannot be before todays date
Return
date cannot be more than 365 days from todays date

We cannot cover
you for more than 31 days
We cannot cover
you for more than 180 days, please call 01708 339069 for a quote
Your
return date cannot
be before the departure date

The return date
cannot be less than 2 nights from the start of the trip

[H2] Where are you travelling to?

Where are
you travelling
to?
Make sure you add every country you're visiting within your trip. If you cannot
find
your country,
then check the spelling or try typing the first few letters. You can only add up
to 9
countries.

Click on the country that you're travelling to or search for your country within the search box below.

Spain

France

Italy

Greece

Please search and add each country you are travelling to individually.

Travel Alert - Due to unrest in the Middle East, please check FCDO travel advice before travelling. Please note that we do not provide cover for destinations where the FCDO advises against all travel or all but essential travel at the time of purchase.

Maximum number of destinations reached

Please select all countries that you will be visiting on
your trip.

[H2] When will your policy begin?
Annual multi-trip: Covers
multiple trips within one year, with a total of up to 183 days across all your
trips. You can purchase your annual multi-trip policy up to 60 days before your policy start
date.
You can get cover for up to 45 days per trip. If you want to stay longer, you
can add the optional extra ‘Extended Stay’ to increase your maximum trip length
to 55 days per trip.
If you're aged 71 or over and travelling to the USA, Canada, Mexico, or
the Caribbean, the maximum length for each trip is 35 days, and
the ‘Extended Stay’ optional extra is not available.

So you have flexibility, you
can buy your annual
multi-trip policy up to 60 days before you want the policy to start. Please note, there
will be no cover for any claims until the start date of your policy, nor for any trips
that started prior to you purchasing a policy.

Start date

Please enter a
valid start date
Travel dates cannot
be before todays date
Your trip
cannot start more than
Your
policy cannot start more than 365 days in advance

[H2] Where are you travelling to?

Travel Alert - Due to unrest in the Middle East, please check FCDO travel advice before travelling. Please note that we do not provide cover for destinations where the FCDO advises against all travel or all but essential travel at the time of purchase.

Worldwide
Including USA, Mexico, Canada, and Caribbean

Worldwide
excluding USA, Mexico, Canada
and Caribbean

Europe
All countries in Europe, Madeira and The Azores, Including Spain,
Balearic Islands, Canary Islands, Turkey, Cyprus and Malta

Europe Excluding
All countries in Europe, Madeira and The Azores, excluding Spain, Balearic
Islands, Canary Islands, Turkey, Cyprus and Malta
United Kingdom
England, Scotland, Wales, Northern Ireland, Isle of
Man and Channel Islands

Please
select a region of travel.
Please note if you need a Schengen visa, you should be covered for all countries in Europe including Spain and Malta. Even if you are not travelling to those countries.
Select Europe including Spain and Malta
Not sure if you need a Schengen visa?

UK citizens who are staying for more than 90 days in every 180 days in any country in the Schengen Area must have a visa to enter the zone. EU law requires anyone applying for a Schengen visa to have travel insurance for all countries included in the zone.
Full list of Schengen countries: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland.

[H2] Are you going on a Cruise?
Cruise coverCruises are
defined as trips on ocean or river cruise ships/boats. A ferry crossing does not
constitute a cruise.
You need to select Yes to make sure you are covered if you are going on any
cruises during the period of cover.
Please select whether
you require cruise cover

Yes
No

[H2] Which type of cruise are you going on?

Please select what type of cruise cover you require

Ocean
Cruise
River Cruise

[H2] Traveller details

[H2] Traveller details
Who would you like the
insurance to cover?This question is based on the people
you want insured under this policy. Couple:2 people
living at the same address for more than 6 months
Family:Up to 2 adults with at least one child
(under the age of 18) Group:Any number of people of
any age and not necessarily related (extended family and friends etc)

Individual

Couple

Family

Group

Please select who
you would like the insurance to cover

[IMG: Family Travellers]
Please note: A Family policy offers cover to up to two adults with at least
one child (under the age of 18).
If more than two members of your family are aged 18 or over, you will need a Group
policy.

[H2] Select the number of travellers
Select Number Of Travellers

[H2] Select the number of travellers

TRAVELLER DETAILS
Main traveller

Title
Travellers Title

First Name

Last Name

Please complete the traveller's
title
Please complete the traveller's
first name
Please complete the traveller's
surname

Main traveller's date of birth

Date of birth If you were born in or before
1926 please call our contact
centre on 0800 848 8608 to obtain
a quote.

Day Date of Travel

Month Date of Travel

Year Date of Travel

Please enter a
valid date of birth

Unfortunately we cannot offer
cover to
travellers over 99
If you were born in or
before
1926 please call our contact centre on 0800 012 1572 to obtain a quote.

The main traveller
must be 18 years or older
Both travellers
in a couple must be 18 years
or older
A family can
only consist of between 1 and 2
travellers aged 18 or older
A group must consist
of at least 1 traveller aged 18
or over
A family of 2
travellers must consist of 1
traveller aged under 18

ADDRESS DETAILS

Policy eligible for UK residents only (England, Scotland, Wales, Northern Ireland), who are in the UK at the time of purchase.
Isle of Man or Channel Islands resident?
Click here
We’re currently unable to offer an online service for these locations please call us.
Channel Islands: 0808 281 2171
Isle of Man: 0808 281 3552

YOUR ADDRESS

Manually Enter Address

Selected address:

Please enter a valid
postcode

Please 'find
address' or enter the rest of your address details manually below

Address Line One

Please
'find address' or enter the rest of your address details manually below

Town

Postcode

CONTACT INFORMATION

Contact number

Main Phone Number

Please enter a
valid contact number

Email address

Please enter a
valid email address

We will send you your quote information by email.
From time to time we'd like to also send you emails about relevant news, other products and services,
discounts and competitions. If you would like to opt out tick here
Marketing email opt in

Home » Cruise Travel Insurance

Mellisa Hutchins
Travel Insurance Expert

Last updated
May 6 2026

5 min read

Cruise Travel Insurance provides essential cover for your cruise. This includes onboard medical emergencies, cruise interruptions and cancellations, cabin confinement and lost luggage.
We can help you find a cruise Travel Insurance policy tailored to your exact needs and preferences, even if you are living with medical conditions. We also have no upper age limits on our cruise policies.
[H2] What is Cruise Travel Insurance – and why do you need it?

Cruise Travel Insurance is specially designed to cover all aspects of your cruise, giving you peace of mind and comprehensive protection.

It’s tailored for cruises: Unlike standard Travel Insurance, Cruise Travel Insurance includes essential cover specific to cruises, including cabin confinement, onboard illnesses, and medical emergencies
Medical conditions: Cruise Travel Insurance is essential if you’re living with a pre-existing medical condition, as it covers specific cruise-related incidents that aren’t included with standard cover. For example, if you need an emergency air ambulance back to the UK from Spain and don’t have cruise cover, you could face costs of tens of thousands of pounds
Cover is a requirement for many cruise companies: most cruise operators need you to have a comprehensive Travel Insurance policy in place before you set sail, making this a vital consideration ahead of your cruise

Having the right kind of policy ahead of your trip is a great way to make sure your cruise is smooth sailing.
[H2] What does AllClear’s Cruise Insurance cover?

AllClear’s Cruise Insurance covers a wide range of important considerations, from essential medical and repatriation cover to missed departures, cancellations and cabin confinement if you’re ill on board.

What’s covered?

Medical and repatriation cover – This covers your medical expenses, along with the cost of returning to your home country (repatriation) in case of a medical emergency during your cruise
Cruise cancellation or cutting your trip short – Covers you if you have to cancel or cut short your cruise due to unforeseen circumstances
Personal baggage – Covers your baggage and its contents if lost, stolen or damaged
Missed port departure cover – This covers you if you fail to arrive at your international departure point and miss your cruise. You’ll have financial protection for travel and accommodation expenses to join your cruise at the next scheduled port
Itinerary change – You’ll be covered for each port missed due to bad weather or timetable restrictions
Cabin confinement – In the event of illness, you may be told to stay in your cabin to prevent the spread of sickness onboard. This cover allows you to claim payment if you’re confined to your cabin by the ship’s medical officer
Unused excursions – This provides compensation if you miss an excursion due to an accident, injury, or illness
Cover for the cost of a friend or relative – This covers the cost of a friend or relative staying with you while you’re being treated or flying out from home to support you if needed

What’s not covered?

Claims below the value of the excess – You’re not covered for claims that fall below the value of the excess stated in your policy
Trips outside chosen region of cover – Your cover is limited to trips within the designated region of cover chosen at the time of policy purchase
Known events or circumstances – Claims related to events or circumstances that were known to you at the time of buying the insurance or before booking any individual trip are not covered
You’ll need to declare all the countries your ship will visit or stop at during your cruise, even if you don’t intend to disembark.
Standard Travel Insurance, without the cruise upgrade, will not provide any cover for cruises. You’ll also miss out on cover for itinerary changes, missed ports, unused excursions and other areas of cover you’ll need when going on a cruise.

[H2] Choose the right level of cover

You can add cruise cover to our Gold Plus policies or choose Platinum Travel Insurance, which covers cruises as standard. Check your policy wording for full details of cover.
If you would like further help, please contact us.
SWIPE TO COMPARE POLICIES

[H3] Gold
[H3] Gold Plus
[H3] Platinum
Emergency medical expenses and Repatriation costsUp to £10mUp to £15mUnlimitedCancellation* and CurtailmentUp to £2kUp to £15kUp to £25kMissed port departureN/A£1,000£1,000Cabin confinementN/A£100 per day up to £1,000£100 per day up to £1,000Itinerary changeN/A£100 per port up to £500£100 per port up to £500Unused excursionsN/A£500£500Cruise interruptionN/A£1,000£1,000
* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.

Call Free 0800 848 8608

or

Get Quote Online

[H2] Find the best Travel Insurance for your cruise

AllClear offers multiple types of Cruise Travel Insurance, so you can choose the one that’s right for your trip. Examples include:

European Travel Insurance covers trips to European countries, including protection for medical emergencies and pre-existing conditions. Additionally, your European Travel Insurance extends to cover your UK holidays, as long as accommodation is pre-booked
Worldwide Travel Insurance provides essential cover no matter where you’re travelling
Single Trip Travel Insurance if you are only planning one holiday, cruise or land, in a 12-month period
Annual Multi-Trip Travel Insurance protects all of your trips taken throughout the year⇞, whether cruises or land holidays. This may be more cost-effective than buying Single Trip Travel Insurance for each trip or cruise
Group Travel Insurance is perfect if you’re planning a cruise with friends and family – anywhere from two to ten travellers can be covered together

[H2] AllClear’s Cruise Insurance for pre-existing medical conditions

AllClear gives you peace of mind when cruising with pre-existing medical conditions. We believe everyone has the right to cruise.
We can cover over 1,300 different medical conditions, ranging from asthma to heart and respiratory conditions.
Make sure you declare all of your pre-existing medical conditions that fall within the medical warranty, and we’ll ensure you’re covered for the duration of your cruise.
We can provide Cruise Cover for any medical conditions, including:
Heart conditionsAsthmaHigh blood pressureDiabetesStrokeEpilepsyCancerAtrial fibrillationCOPDMultiple sclerosisCrohn’s diseaseBack problemsOsteoporosisGallstonesMental health issues
For more information on the medical conditions we cover, please contact us.
[H2] How our Cruise Insurance works: A simple 3 step quote process

Simply complete our quick 3-step screening process to receive your quote.
Here’s how it works.
1. Get a quote online or by phone
Once you’re ready to start the quote process, the first step is to provide your personal details and information about your cruise plans. This can be completed over the phone with one of our team members or online.
Get your quote.
2. Complete our simple medical screening process
Here, you need to declare any medical conditions you have and any medications you and your travel companions are taking.
This way, we can provide the cover that best suits your needs.
3. Get your quote
You can either proceed to buy or save your quote at this stage.

Call Free 0800 848 8608

or

Get Quote Online

[IMG: Mellisa Hutchins]
[H3] Our experts say…

“If you’re planning to take a cruise, you may think that standard Travel Insurance will be enough. However, you won’t have protection for your trip without taking out cruise cover. As well as medical cover, Cruise Travel Insurance also includes extra protection for things like cabin confinement or missed excursions.”
Mellisa Hutchins – Travel Insurance Expert and Content Manager
[H2] What our customers say

With over 126,000 reviews on Trustpilot, it’s easy to see what our customers think about AllClear.
[H3] Quoted Happy
“I got several quotes for 12 month cruise cover. Eventually phoned AllClear. Phone answered in minutes and Nathan Leslie (operator) and he was really good to deal with. Got a good price very quickly. Result!!!”
Peter. AllClear customer.

[H3] How AllClear gave Philip the confidence to keep cruising
After being turned away by other providers, Philip found AllClear. The family opted for their Gold Plus policy. After the turbulence of finding the correct insurance provider, the Jolly family were delighted and relieved that, after all, their cruise could go ahead.
Read their story.

[H2] What our Customers Say

Trustpilot

Call Free 0800 848 8608

or

Get Quote Online

[H2] Cruise Travel Insurance FAQs

[H3] Do you need special Travel Insurance for a cruise?

Yes, most cruise operators need you to have a comprehensive Travel Insurance policy in place before you set sail. You can add Cruise Cover to our Gold Plus policies or take out Platinum Travel Insurance, which covers cruises as standard.
A standard Travel Insurance policy will not cover cruise-specific risks and incidents, such as cabin confinement, missed port departures, itinerary changes, and onboard illnesses or medical emergencies.

[H3] Can you add Cruise Travel Insurance to an existing policy after booking?

For Annual Multi-Trip policies, you can add Cruise Cover to your existing Gold Plus policy after booking your cruise. Cruise cover is already included in platinum policies.
It’s important to ensure your policy covers cruise-specific risks like cabin confinement and missed port departures. So, whether you’re upgrading an existing policy or buying a new one, always check the details to make sure you have comprehensive cover for your cruise.

[H3] Do you need Cruise Travel Insurance for a domestic cruise?

Yes, you need Travel Insurance for a domestic cruise, even though you won’t be leaving the country. Many cruise lines now require guests to have valid Travel Insurance to board
While international medical cover may not be necessary, other aspects such as cover for trip interruptions, cancellations, or lost luggage remain essential.

[H3] Do you need Cruise Insurance for a river cruise?

Yes, you need Cruise Insurance for a river cruise. You will have no cover on a river cruise if your policy doesn’t include cruise cover.

[H3] Does your Annual Multi-Trip Travel Insurance cover you on a cruise?

If you have a Gold Plus policy, you will need to add Cruise Cover as an optional extra onto your Annual Multi-Trip Travel Insurance to make sure you’re covered.
If you have a Platinum policy, Cruise Cover is automatically included.
Standard Travel Insurance does not cover cruises, including river cruises. Ensure you have Cruise Cover before departing, as you won’t be covered while on a cruise without this add-on.

[H3] Can I add insurance after booking a cruise?

Yes. As long as you have not yet left for your cruise you can buy Cruise Cover after booking your holiday.

[H3] Will you be covered if you have a medical emergency on your cruise?

Yes, as long as you’ve declared your pre-existing medical conditions beforehand, and it fits within the terms and conditions of your policy.

[H3] What if your port visit gets cancelled due to bad weather?

AllClear Cruise Travel Insurance offers compensation if scheduled port visits are cancelled due to adverse weather or timetable restrictions. Please refer to your specific policy wording for details.

[H3] If you have a GHIC, do you still need specialist Cruise Travel Insurance?

Yes, you will still need Cruise Travel Insurance.
The GHIC (Global Health Insurance Card) will ensure you are entitled to the same level of treatment as a citizen of that country. However, a GHIC is not a replacement for Cruise Travel Insurance, as it does not cover you for:

The costs of rescue and repatriation (an air ambulance from Spain back to the UK costs £10,000 or more)
Lost or stolen property such as passports, baggage or precious items
Losses from trip cancellation, curtailment and interruption
Extra travel and accommodation costs due to illness
Any medical treatment needed outside of the EU

[H3] Do Cruise Travel Insurance policies cover land holidays?

Yes, holiday insurance for cruises covers both land and cruising holidays.
If you’re not going on a cruise but are looking for increased cancellation cover, you could choose AllClear Gold Plus or AllClear Platinum, where you can increase cancellation cover up to £25K per person.

[H3] Does Cruise Insurance cover pre-existing medical conditions?

Yes, Cruise Insurance can cover pre-existing medical conditions, but you need to make sure to disclose them when purchasing the policy to ensure proper cover.

[H3] Is it possible to get Cruise Travel Insurance for the rest of my group?

If you’re planning to enjoy a cruise with your loved ones, you can protect everyone under one policy with either a Family Cruise Cover or a Group Travel Insurance.

[H3] Do you need to declare all of the places you’ll visit on a cruise?

Yes. Due to the different costs for medical treatment across the world, you need to declare the destinations of your cruise holiday.

[H3] Why is Cruise Insurance more expensive?

Medical treatment on a cruise is very expensive compared to most land-based trips. As the cost of potential claims is so high, Cruise Cover can be more expensive than Standard Travel Insurance.

[H3] Get the most out of your trip with our helpful guides
Where are you visiting?
Explore our helpful guides for tips to make sure you remember everything you need when cruising to one of the below destinations:
Who is travelling?
With no upper age limits, an AllClear Travel Insurance policy can give you the confidence to travel at any age.
United KingdomEuropeWorldwideUSAFranceGreeceItalySpainTurkey
SeniorsOver 50sOver 60sOver 70sOver 80s

Home » Annual Travel Insurance

Letitia Smith
Travel Insurance Expert

Last updated
May 6 2026

5 min read

Annual Travel Insurance covers you for selected countries and destinations for one year. You choose your preferred cover region, and you’re covered for any trip within that region throughout the year.
This type of insurance can cover all pre-existing medical conditions, too, allowing you to travel with complete peace of mind.
[H2] What is Annual Multi-trip Travel Insurance – and why do you need it?

Annual Multi-trip Travel Insurance is a type of policy ideal for frequent travellers who take two or more trips a year.
Research from Which? found that Annual Multi-trip Travel Insurance often offers better value than buying separate Single Trip Travel Insurance policies, especially if you’re planning two or more trips annually.
With this type of insurance, you’re continuously protected against unforeseen events such as medical emergencies, trip cancellations, lost luggage, and more, providing peace of mind throughout a twelve-month period.

Hassle free: Cover for all your getaways with one annual policy instead of arranging new insurance each time you travel
You could save time and money: If you’re taking multiple trips, you may find Annual Travel Insurance cheaper than buying a new policy every time. Opting for annual cover could save you money and time by protecting multiple trips under one policy
Easy to renew cover: You can renew your Annual Multi-trip Insurance each year, making sure you have the same continuous cover for all your trips. You only need to complete the medical screening process once, and you can easily renew for the following year. You’ll then have another 12 months of hassle-free travel.

[H2] What does AllClear’s Annual Multi-trip Travel Insurance cover?

Annual Multi-trip Travel Insurance provides a wide range of benefits for your trips in the year. From emergency medical cover across different countries to cancellation and curtailment should you encounter unexpected circumstances during your trips.

What’s covered?

Emergency medical expenses – This includes the costs of tests, medications and procedures needed to treat an illness or injury. You’ll also be covered for repatriation to bring you safely back to the UK
Cancellation and cutting your trip short – Cover for your flight and accommodation costs if you unexpectedly have to cancel before you go, or need to return home early following an emergency
Your baggage – Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy
Travel delays and missed departure – If your flight is delayed, we’ll compensate you for the time. You’ll also be covered for accommodation and transport costs if you miss your flight
Personal liability – Cover for your legal expenses and any liability due if you accidentally injure someone or damage their property while you’re away on holiday

What’s not covered?

Trip duration limits – While it doesn’t matter how many holidays you take each year, each trip has a maximum duration depending on your chosen annual policy. Refer to the policy documents for details
Undeclared pre-existing conditions – Medical cover is provided only for declared pre-existing conditions on your policy
Travel Insurance excess – Most claims will have a travel insurance excess, which is the first part of any claim not covered by the policy

For full details of what is and is not covered, please check your Policy Wording.
You can pick from three levels of policy, tailoring your cover to your budget and needs. Our Gold, Gold Plus, and Platinum policy levels include:
SWIPE TO COMPARE POLICIES

[H3] Gold
[H3] Gold Plus
[H3] Platinum
Emergency medical expenses and Repatriation costs
Up to £10m
Up to £15m
Unlimited
Cancellation* and cutting your trip short
Up to £2k
Up to £15k
Up to £25k
Travel Delay
Up to £300
Up to £1,500
Up to £1,500
Personal Belongings
Up to £2k
Up to £2.5k
Up to £5k
Personal liability
Up to £2m
Up to £2m
Up to £2m
Legal protection cover
Up to £50k
Up to £50k
Up to £100k
* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.
[H2] Find the best Annual Multi-trip Travel Insurance for your travels

Annual Multi-trip Insurance may be a more cost-effective option if you plan to take several trips in a year. According to independent research by the Evening Standard, the more you travel every year, the better value an annual policy can be.
We can help you find the best Annual Multi-trip Insurance for your travels:

Choosing your cover area: Choose from UK trips, European destinations, or worldwide cover, including options for USA, Canada, Mexico, and the Caribbean.
Cost considerations: When determining the price of your policy, factors such as your age, destination, pre-existing conditions, and chosen cover level all play a role. By selecting the appropriate cover and optional extras, you know you’re getting the best value for your needs
Cruise cover inclusions: If you’re planning a cruise, make sure you’re covered with our Cruise Cover option. This essential protection can be added to your policy and is automatically included in Platinum policies, providing peace of mind for your cruise travels
Optional extras: Enhance your policy with additional cover to suit your preferences. Whether you’re looking for cover against natural disasters, need gadget cover for your electronic devices, or want cover for activities like golf, we have options to tailor your policy to your travel style

[H2] AllClear’s Annual Travel Insurance for pre-existing medical conditions

As a specialist Medical Travel Insurance provider, our Annual Multi-trip Travel Insurance covers all pre-existing medical conditions. We can cover over 1,300 different conditions, and we can help cover yours too.
If you have a pre-existing medical condition, you must declare this before travelling. This includes any health problems you have taken medication for or received a diagnosis for during the last five years.
Below are just a few of the common conditions we provide cover for:
Heart conditionsAsthmaHigh blood pressureDiabetesStrokeEpilepsyCancerCOPDMultiple sclerosis Crohn’s disease
[H2] Annual Multi-trip vs Single trip Travel Insurance

Not sure whether annual or single trip Travel Insurance is right for you? Here’s a simple comparison to help you quickly understand which option suits your travel habits and budget.

Feature
Annual Multi-Trip
Single Trip

Number of trips
Unlimited trips within 12 months
One trip only

Best for
Frequent travellers
Occasional travellers

Cost
Often cheaper over multiple trips
Lower upfront cost

Convenience
One policy for all trips
New policy needed for each trip

[H2] How our Annual Multi-trip Travel Insurance works: A simple 3 step quote process

Our 3-step quote process is quick and simple and designed to provide you with comprehensive cover across all your trips.
Here’s how it works.
1. Get a quote online or by phone
Once you’re ready to start your quote, the first step is to provide your personal details and information about your holiday and travel plans. This can be completed over the phone with one of our team members or online.
Get your quote
2. Complete our simple medical screening process
You’ll need to declare any medical conditions you have and any medications you and your travel companions are taking. Be sure to answer all our medical questions and tell us everything we need to know about your current health.
This way, we can provide the cover that best suits your needs.
3. Receive your quote
You will then receive your quote(s) and can either proceed to buy or save your quote at this stage.

Call Free 0800 848 8608

or

Get Quote Online

[IMG: Letitia Smith]
“Annual Travel Insurance could be just what you need if you go abroad regularly. If you travel more than once a year, an annual policy can save you time and money compared to buying separate cover for each trip. As well as offering unlimited trips to your chosen region for a whole year, policies include all the benefits of Single Trip Travel Insurance, such as cancellation cover, protection for your personal possessions, and cover for travel delays or personal liability.”
Letitia Smith MSc, Travel Insurance expert
[H2] What our Customers Say

Trustpilot

With over 123,000 reviews on Trustpilot, it’s easy to see what our customers think about AllClear.
[H3] Great Cover and Good Price
“I have just taken out an Annual Multi-trip European Policy and I must say I was impressed with Greg who went through everything in detail and answered all my questions, he was friendly, polite and helpful. I’m very happy with the level of cover and service received today. Thanks again Greg.”
Mr Patel. AllClear customer.

Call Free 0800 848 8608

or

Get Quote Online

[H2] Annual Multi-Trip Travel Insurance FAQs

[H3] How does Annual Travel Insurance work?

Annual Travel Insurance covers you for multiple trips within 12 months⇞, offering convenience and peace of mind throughout your travels.
Once you buy an annual policy, you’re covered for an unlimited number of trips during the policy period (be sure to check your policy). This type of insurance includes benefits such as emergency medical expenses, trip cancellation, travel delays and unforeseen circumstances.
However, Annual Travel Insurance does not cover travel outside your chosen region, although you can upgrade your policy at any time.

[H3] Is it better to get Yearly Travel Insurance?

This depends on how many trips you take each year.
If you’re taking multiple trips within a year, an annual policy can work out cheaper and will save you the hassle of arranging Single Trip Insurance each time you travel.

[H3] When should you buy your Annual Multi-trip Insurance policy?

We would recommend buying Annual Multi-trip Insurance as soon as you book your holiday,
Money saving expert Martin Lewis also recommends this. He urges people to buy travel cover as soon as possible as “so many of the things you can claim for can happen before you go on holiday”.
The start date of your Annual Multi-trip Travel Insurance policy will be the date your cover begins. This offers you protection leading up to any trip you take and between each trip you take.

[H3] Why can Annual Multi-trip Travel Insurance be better value than a single trip?

Annual Multi-trip Travel Insurance can offer better value than a single-trip policy because it covers multiple trips over a year, rather than just one.
So, if you’re going on several holidays within a year, an Annual Travel Insurance policy could be of better value.

[H3] Can you get Annual Multi-trip Travel Insurance for a group trip?

Yes, our annual cover is available for groups of up to 10 people.
Any adult named on the policy can travel independently as many times as they like throughout the year, without the need for the entire group to go on holiday together.

[H3] When does an Annual Multi-trip policy start?

You can choose the start date of your Annual Travel Insurance, up to 60 days from the date of buy.
However, you should be aware that there will be no cancellation cover for your trip until the policy begins, so if you want to be fully covered it’s best to start the policy as soon as you’ve booked your holiday.

[H3] Do you need extra cover for sports and activities?

AllClear policies provide cover for most holiday sports and activities as standard. From hiking and cycling to scuba diving and camel riding.
Please check the policy documents for the full list. If your chosen sport or activity is not featured, please contact us for more information.

[H3] Is a GHIC card enough to cover Annual Multi-trip Travel Insurance?

A GHIC (Global Health Insurance Card) only provides access to state-provided healthcare within the European Economic Area (EEA) and Switzerland.
While it offers valuable medical cover during temporary stays abroad, it is not a substitute for comprehensive Travel Insurance.
Annual Multi-trip Travel Insurance provides a wide range of benefits beyond healthcare, including cover for trip cancellations, lost baggage, travel delays, and more, making it essential for complete protection during your travels.

[H2] Get the most out of your trips with our helpful guides

[H3]
Where are you visiting?
Explore our helpful guides for tips to make sure you remember everything you need when travelling to one of the below destinations:
Which activities do you have planned?
Whether you’re planning a skiing holiday or a relaxing golf trip, remember to add extra cover to your policy for a worry-free trip.
United KingdomEuropeWorldwideUSAFranceGreeceItalySpainTurkey
Golf Travel Insurance

Home » Single Trip Travel Insurance

Letitia Smith
Travel Insurance Expert

Last updated
May 6 2026

5 min read

Going away just the once in the next 12 months? Single Trip Travel Insurance covers you for unexpected events like medical emergencies, cancellations or loss or damage to your belongings while you’re away.
With no upper age limit and cover for over 1,300 different medical conditions, with one trip Travel Insurance you can  relax and plan your adventure.
[H2] What is Single Trip Travel Insurance – and do you need it?

Single Trip cover is what you need if you’re going away just once in a 12-month period.
Great for short or long trips, whether abroad or in the UK, here are our top reasons why you need Travel Insurance for a single trip:

It can be cost-effective: One-off trip insurance can be cheaper than Annual Multi Trip Insurance if you’re only going on one holiday in the next 12 months. That’s because you’ll only pay for the number of days you’re away and the destinations you visit.
Tailored to you: You can design your policy to suit the type of activities you enjoy the most. From Gadget Cover to Golf, you can add additional cover to suit your needs.
Cover if you cancel: If you get Single Trip Insurance as soon as you’ve booked your holiday (and buy a policy which includes cancellation cover), you’re protected if you need to cancel for particular reasons.
Essential for pre-existing medical conditions: Insurance is important for everyone heading off on their travels. But if you have an existing medical condition, finding the best Single Trip Travel Insurance that covers you properly is a must. With a standard policy, you would need to pay for any medical costs incurred due to your pre-existing condition. And when you’re abroad, these types of costs can quickly mount up. According to the Association of British Insurers, the average claim for emergency medical treatment abroad is at its highest since records began, with claims costing as much as £250,000.
Essential even if you have a GHIC: If your one trip is to a European getaway, applying for a Global Health Insurance Card (GHIC) is a good idea. But because the scheme won’t cover the cost of all medical treatments or repatriation costs, you’ll still need Travel Insurance before you go to avoid nasty surprises. For example, the cost of emergency medical treatment and repatriation for one UK traveller in Spain was £124,000.

With Single Trip Insurance from AllClear you can travel worry-free and see the world with confidence.
[H2] What does AllClear’s Single Trip Travel Insurance cover?

With AllClear’s Single Trip Insurance you’re protected against unforeseen events that might pop up while you’re away on holiday. This could include anything from emergency medical costs to a stolen bag.
We provide Single Trip Insurance, that even covers existing health conditions, and your one-off trip can last up to 365 days.

What’s covered?

Emergency medical expenses and repatriation costs – This includes the costs of tests, medications and procedures needed to treat an illness or injury while away. You’ll also be covered for repatriation to bring you safely back to the UK. Without Travel Insurance, costs for these kinds of expenses can quickly run into the thousands
Cancellation – cover for flight and accommodation costs if an unexpected event means you have to cancel your trip before you go (providing your policy includes cancellation cover)
Cutting your trip short – Cover if you need to return home early following an emergency
Travel delay – If your flight is delayed, we’ll compensate you for the time
Personal belongings – You’ll be covered if your baggage or its contents are lost or stolen
Personal liability – Cover for your legal expenses and any liability due if you accidentally injure someone or damage their property while you’re away on holiday
Legal protection cover – Provides cover for your legal expenses if you have to claim compensation or damages due to something that happened while you were away on holiday

What’s not covered?

Claims below the value of the excess – For most claims you won’t be covered for the Travel Insurance excess (the first part of any claim)
Trips outside region of cover – Your cover is limited to trips within the designated region of cover you chose
Known events or circumstances: Claims related to events or issues that you knew about before buying the Travel Insurance or before booking any individual trip are not covered
Medical conditions you don’t declare – You need to declare all of your medical conditions as fit within the medical warranty
Choosing not to travel – We know that sometimes plans change, but you’re only covered for cancellation where the reason falls within the policy terms and conditions

For full details of what is and is not covered, please check your Policy Wording.
You can pick from three levels of policy, tailoring your cover to your budget and needs. Our Gold, Gold Plus, and Platinum policy levels include:
SWIPE TO COMPARE POLICIES

[H3] Gold
[H3] Gold Plus
[H3] Platinum
Emergency medical expenses and Repatriation costs
Up to £10m
Up to £15m
Unlimited
Cancellation* and cutting your trip short
Up to £2k
Up to £15k
Up to £25k
Travel Delay
Up to £300
Up to £1,500
Up to £1,500
Personal Belongings
Up to £2k
Up to £2.5k
Up to £5k
Personal liability
Up to £2m
Up to £2m
Up to £2m
Legal protection cover
Up to £50k
Up to £50k
Up to £100k
* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.

Call Free 0800 848 8608

or

Get Quote Online

[H2] Find the best Single Trip Travel Insurance for your travels

With our Single Trip Travel Insurance policies you can  design your policy to suit the type of holiday you enjoy. Here are some of the options available:

Cruise Cover – If you’re planning to join them on-board, remember that Travel Insurance for a cruise is an essential requirement for many cruise companies. AllClear’s one trip Travel Insurance for a cruise includes specific benefits, such as missed port departure, cabin confinement, itinerary change, unused excursions and cruise interruption.
Group Travel Insurance – Planning a one-off trip with friends and family? With Group Travel Insurance, two to ten travellers can be covered together.
Natural Disaster – Covers you for travel and accommodation costs incurred due to events such as wildfires and earthquakes.
Gadget Cover – If you damage or lose your electronic devices, adding this type of cover to your Single Trip Insurance will protect you from financial loss.
Golf Cover – Tee off in confidence, safe in the knowledge that your golf equipment, and other aspects of your golfing holiday, are covered.

These are just a few examples of the types of Travel Insurance we provide. To find out more about the different cover types we offer, explore our individual Policy Types and Travel Insurance pages. You can access these directly in the top menu.
[H2] AllClear’s Single Trip Travel Insurance for pre-existing medical conditions

We believe everyone has the right to travel. A pre-existing condition shouldn’t stop you from going on new adventures.
Simply declare all of your pre-existing medical conditions and we’ll ensure you’re covered for the length of your trip.
Here are some of the most common pre-existing medical conditions we cover:
High blood pressureDiabetesCancerAtrial fibrillationCOPDMental health issues
We provide specialist Single Trip Medical Travel Insurance for over 1,300 different conditions. Over the years we’ve helped thousands of people enjoy their dream holiday with our single trip policies.
[H2] Single trip vs Annual Multi-trip Travel Insurance

When comparing annual vs single trip Travel Insurance, it’s important to consider how often you travel, overall cost, and convenience. Here’s how the two options differ:

Feature
Single Trip
Annual Multi-Trip

Number of trips
One trip only
Unlimited trips within 12 months

Best for
Occasional travellers
Frequent travellers

Cost
Lower upfront cost
Often cheaper over multiple trips

Convenience
New policy needed for each trip
One policy for all trips

[H2] How our Single Trip Travel Insurance works: A simple 3 step quote process

Setting off soon? Securing Single Trip Travel Insurance is easy with AllClear.
Simply complete our quick 3-step screening process to receive your quote.
Here’s how it works.
1. Get a quote online or by phone
Once you’re ready to start the quote process, the first step is to provide your personal details and information about your holiday plans. Complete this over the phone with one of our team members or online.
Get your quote
2. Complete our simple medical screening process
Here, you need to declare any medical conditions you have. Be sure to answer all our medical questions and tell us everything we need to know about your current health.
This way, we can provide the cover that best suits your needs.
3. Get your quote
You will then get your quote(s) and can either proceed to buy or save your quote at this stage.

Call Free 0800 848 8608

or

Get Quote Online

[IMG: Letitia Smith]
“If you’re only going away once in the next 12 months, Single Trip Insurance could be just what you need.  With Single Trip Insurance you can buy your policies as and when you need them, with cover for any specific activities you plan.”
Letitia Smith – Travel Insurance expert
[H2] What our Customers Say

Trustpilot

Want to know why we’re rated 4.8 out of 5 on Trustpilot? Hear it from the experts – people like you.
[H3] AllClear Travel Insurance
“I called to arrange a Single Trip Travel Insurance cover. The phone was answered very quickly and I spoke to Hafees. He was very helpful and polite. No hard selling. He arranged my cover very quickly and answered all my questions. I highly recommend AllClear travel for anyone with lots or complex health conditions. Prices are very good and the customer service is very good and in the UK, which is unusual nowadays.”
Beth. AllClear customer.

Call Free 0800 848 8608

or

Get Quote Online

[H2] Single Trip Travel Insurance FAQs

[H3] Is Annual Multi-Trip Travel Insurance more cost-effective than Single Trip?

It can be, but it all depends on the kind of travel you’ll be doing. Consumer champion, Which? found that, if you’re going on three holidays, each of one week or more, an annual policy will be cheaper every time. According to the British Insurance Brokers Association (BIBA), this is based on how insurers calculate risk.
But it’s worth considering where you’ll be going, and what you plan to be doing when you get there. For example, if you’re travelling to Europe three times but also have a holiday to the US planned, it could be cheaper to buy an annual European policy, then arrange a separate Single Trip policy for your visit to the States.
Single Trip Insurance offers further benefits too. You can tailor each Single Trip policy to the type of holiday you’re taking, which offers you greater flexibility. For example, if you’re planning a one-off trip with extended family, Group Travel Insurance can cover between 2 and 10 travellers, and you don’t even need to be related, or live at the same address.

[H3] When should you start your Single Trip Travel Insurance?

The full benefits of your Single Trip Insurance will begin on the travel dates you have selected. But if you’ve opted for cancellation cover to be included, this starts as soon as you buy your policy. For this reason, it’s ideal to buy your Travel Insurance as soon as you book.
How early? Take a tip from money-saving expert Martin Lewis. “If you have booked your holiday, but don’t have Travel Insurance, do it tonight. Otherwise, you’re running a risk. Don’t leave it; that’s pointless.”

[H3] Does Single Trip Travel Insurance cover cancellation?

Issues may seem unlikely when you’re booking your dream getaway, but any number of events, such as illness or injury, could lead to cancelled plans. If you don’t have the right Travel Insurance, you could lose the money you’ve paid for a trip you don’t take.
Single Trip Travel Insurance from AllClear includes cancellation cover, but you can decide to exclude this option. It’s worth remembering that cancellation claims are extremely common.
In fact, over the past five years, the most common reasons for travel insurance claims among Brits have been trip cancellation and lost belongings, which have accounted for 35% and 31% of claims respectively.

[H3] When to start Single Trip Travel Insurance so it covers cancellation?

You can buy your Single Trip Travel Insurance up to 12 months before your holiday. If you have included cancellation cover, the cover begins as soon as you buy your policy.

[H3] How much is Single Trip Travel Insurance?

The cost of a Single Trip Travel Insurance policy will vary from person to person. The premium is based on trip duration, destination, age and medical conditions.

[H3] Do you need Single Trip Travel Insurance if you have a GHIC card?

If you’re travelling within Europe, applying for a GHIC card is a sensible idea. GHIC stands for Global Health Insurance Card. If you need medical treatment in the EU, it could save you money. That’s because using it can remove the excess for medical claims on your Travel Insurance.
You can use a GHIC card in any EU country, plus Montenegro, Norway, Iceland, Liechtenstein and Switzerland.
But while a GHIC card offers valuable healthcare cover in Europe, it has its limitations. In fact, a GHIC card and Single Trip Travel Insurance serve different purposes. While the GHIC card helps with state-provided healthcare within the EU, Single Trip Travel Insurance offers a wider range of cover for unexpected events on your travels.
A GHIC card covers:

Medically necessary state-provided healthcare on the same terms as local residents.
Emergency treatment, hospital stays, and doctor consultations.

A GHIC card doesn’t cover:

Treatment in a private hospital or clinic.
Repatriation if you need to be flown back home for medical reasons.
Non-medical expenses like lost luggage, trip cancellation, or travel delays.

Single Trip Travel Insurance remains crucial for many travellers for the following reasons:

The GHIC card may not offer full cover for pre-existing medical conditions. Single Trip Travel Insurance gives you peace of mind with cover for unexpected medical costs and repatriation.
Single Trip Travel Insurance can cover a range of events beyond medical emergencies, such as trip cancellation, lost luggage, and personal liability.
Single trip Travel Insurance from AllClear gives you access to a 24/7 emergency assistance team.

[H2] Get t

Home » Travel Insurance With Medical Conditions

Letitia Smith
Travel Insurance Expert

Dr Preethi Daniel
Deputy Medical Director - London Doctor’s Clinic

Last updated
May 6 2026

5 min read

[H2] Can you get Travel Insurance with pre-existing medical conditions?

You can get Travel Insurance with medical conditions if you buy cover from a specialist Travel Insurance provider like AllClear. Some providers will only cover you for medical emergencies that are unrelated to any pre-existing conditions. So if you’ve had a hospital appointment, visited a GP or taken any medication for a medical condition in the last two years, you’ll need specialist Travel Insurance for your medical conditions.

[H4] View video transcript

What is medical travel insurance, and why do you need it?
You can still get Travel Insurance if you’re living with medical conditions, but you’ll need a specialist policy.
Standard Travel Insurance excludes cover for your existing medical conditions.
Specialist Medical Travel Insurance covers you for all the medical conditions you declare.
What would your specialist medical Travel Insurance policy cover?
As well as covering cancellation and baggage, a specialist policy covers medical expenses, including if you need medical treatment for your existing medical conditions while you’re away.
Cover benefits:

Up to unlimited medical emergency expenses cover.
Cover if you need to be repatriated home.
A 24/7 worldwide emergency assistance helpline.
Up to £25K cancellation cover for unforeseen medical emergencies before you go.
This means you can relax and enjoy your holiday with peace of mind.

Which medical conditions do you need to declare for your Travel Insurance?
A medical condition is anything you’re having treatment for or are taking medication for.
All Clear is a specialist medical Travel Insurance provider.
We have covered more than 1,300 different medical conditions.
Examples include:

Diabetes,
Heart conditions,
High cholesterol,
High blood pressure,
Back problems,
Arthritis,
Asthma,
Cancer.

If you don’t declare your medical conditions, your policy could be voided.
Without Medical Travel Insurance, medical costs abroad can be very expensive.
Example costs of treatment for heart attack.
Spain – £45,000.
Thailand – £75,000
USA – £362,000
How do you get quotes for Travel Insurance with medical conditions?
You can get quotes for Medical Travel insurance with AllClear.
Just pop in a few details about your trip and answer the screening questions.
A set of simple questions that we ask about your medical conditions to individualise your policy.
We may ask what treatment you’re having or your prescribed medication. Don’t worry, we don’t need to know the specific names of any medication.
Once you’ve sorted your Medical Travel Insurance, you can focus on enjoying your holiday. All medical conditions. All ages. All destinations.
Get a quote at AllClearTravel.co.uk or call 0800 640 4839

[H2] Why do you need travel insurance with pre-existing medical conditions?

Emergency medical treatment abroad can cost more than you think. That’s why medical cover should be your number one priority when looking for Travel Insurance.
It covers emergency medical costs including hospital charges and ambulance fees. It also covers repatriation (medical transport back home) if needed.
Medical Travel Insurance gives you four key benefits in addition to those provided by standard Travel Insurance:

Cover for your pre-existing conditions while abroad. AllClear cover up to unlimited costs for emergency treatment, including treatment for ongoing medical issues.
Cover for cancellation due to a pre-existing medical condition. You can also be covered for up to £25K if you need to cancel your holiday because of your medical condition, or a complication related to it.
Repatriation costs. According to FCDO figures, if you were to fall over in Spain and need treatment for a broken leg, you would be looking at costs of around £15,000. Even minor ailments such as an infection or stomach bug in the USA could cost you £100, 000 if you need flights home.
Peace of mind. While you’re away, you’ll have access to 24-hour medical emergency assistance, so you can travel with confidence, knowing we’ll be there just in case.

[H2] What happens if you don’t have travel insurance for your medical condition?

With a standard policy, you would need to pay for costs incurred due to your pre-existing conditions, which can easily reach thousands of pounds very quickly.
Real customer claims we’ve paid out include; £21,587 for a fractured femur in Italy and £179,391 for pneumonia in Spain.Clinical Nurse Specialist, Kay Greveson explains more: “People often do not realise the cost of medical emergencies abroad. It’s natural that people believe it won’t happen to them, but even the most well-managed conditions need to be covered, in case the unexpected happens.”
[H3] Q. Why is it so important for travellers living with medical conditions to get the right Travel Insurance?

A. “When travelling abroad, getting the right care can be tricky. Travel insurance can make sure you have access to the medical professionals and facilities you need, especially since healthcare standards vary from country to country.
For disabled people, insurance can cover the loss, damage, or theft of essential mobility aids like wheelchairs or oxygen tanks, which can be expensive and hard to replace abroad.
Most importantly,  the right insurance gives you peace of mind. It covers medical emergencies, treatment costs, and even evacuation if needed. It also helps with delays, which are more common for those with health conditions, by reimbursing you for extra costs like accommodation, meals, or changing flights.”
Dr. Shani Dhanda, Disability Inclusion & Accessibility Consultant

[H2] What our Customers Say

Trustpilot

[H3] Brilliant Service
“Spoke with two very understanding and helpful agents while looking to arrange medical travel insurance. This made the process a lot easier and less stressful, which I had experienced when talking to other companies.
Would highly recommend AllClear travel insurance.”
Nigel. AllClear customer.

Call Free 0800 848 8608

or

Get Quote Online

[H3] Case Study – Sheila Lowrie
[IMG: Sheila Lowrie]
Sheila has been with AllClear since 2015. When the couple visited their holiday home in Portugal, her husband was taken ill, she found out the true importance of having Specialist Medical Travel Insurance.
“When my husband fell seriously ill, he was suddenly taken to hospital in Portugal so you can imagine how traumatised I was. I rang AllClear and they were absolutely fantastic. They arranged for the air ambulance to come and collect him, the doctor and nurse came to the hospital to meet us and they actually escorted him all the way home to Newcastle, even taking him into the hospital to make sure everything was OK. It was amazing and meant so much to me.”
Read more
[H2] So what’s a pre-existing medical condition for Travel Insurance?

A pre-existing medical condition is any illness or injury you have before you buy your Travel Insurance. It could be an ongoing condition, or one you have been treated for in the past. As part of the quote process, we’ll guide you through any relevant questions that may apply. We can then make sure you’re covered if you have a medical emergency abroad.
For the purposes of the medical screening, a medical condition is:

Anything you’ve seen a doctor for, been diagnosed with, treated for, or taken medication for before buying your travel insurance
Long-term or ongoing conditions such as diabetes, asthma, high blood pressure or cancer
Recent illnesses, tests or investigations
Conditions where you are waiting for results or further treatment

[H3] Some of the most common conditions we cover include

Autoimmune diseases: including multiple sclerosis and diabetes. More than 4 million people in the UK are living with diabetes. This can mean some extra consideration is needed when planning your trip.

Cancer: Cover for all types of cancer, including breast cancer, prostate cancer, and bowel cancer.

Heart and circulatory conditions: Such as heart disease, heart attack and atrial fibrillation are common and vary in severity, which can impact how you travel with the condition. Circulation complications such as stroke, high blood pressure and high cholesterol are still important to declare when quoting for your Travel Insurance.  Even a well-managed condition at home can affect you differently when abroad.

Respiratory conditions: Conditions which impact breathing such as asthma, or COPD can mean travelling with specific medication.

Musculoskeletal conditions: Conditions affecting your bones or joints, like arthritis, back problems or osteoporosis, can affect how you plan your holiday.

Neurological conditions: These include epilepsy and dementia.

Gastrointestinal conditions: These include Crohn’s disease and gallstones.

Other conditions: AllClear covers a wide range of other conditions. These include mental health, disability, after-surgery, undiagnosed conditions and terminal illness. Find all additional medical conditions covered by AllClear here.

[IMG: Preethi Daniels]
[H3] Our experts say…

“Travel insurance is crucial as it means the cost of medical treatment, emergency transport and cancellation fees would be covered if something happens. While the process may be slightly more complicated or arduous, it is best to be very transparent about your medical conditions. Declare all pre-existing conditions when applying for cover as mistake or omission may result in your cover being null and void.”
Dr Preethi Daniel MBBS BSc (Hons) MRCGP, Deputy Medical Director – London Doctor’s Clinic
[H2] What conditions don’t need to be declared?

As part of the quote process, we ask you to declare any conditions that fall within the medical warranty. This is an important part of our medical screening for Travel Insurance. But you may wonder if there are any conditions you don’t need to declare.If you’ve had a cold or flu, but didn’t need to see a doctor or take any prescribed medication, then you don’t need to tell us about it. We also don’t need to know about a complication-free pregnancy or any contraception prescriptions.
[H2] How does travel insurance for pre-existing medical conditions work?

Travel Insurance offers financial protection for specific problems you might face on holiday. The medical section of your policy covers the cost of medical care if you become ill or have an accident.
Without Medical Travel Insurance, you’d be liable for any expenses resulting from an unexpected medical emergency when travelling. This means the cost of the ambulance, any doctor’s appointments and any surgeries you might need. Also, the cost of any medication that’s needed to treat you. These expenses can quickly build up and be in the thousands, if not tens of thousands, of pounds.
Here we explain how you would make a claim.
If  you need emergency medical care while abroad:

Notify us as soon as possible. We’re here to help, so just let us know what’s happened. Ideally, you’ll notify us while you’re still away. In some emergency cases our assistance team may arrange payment directly to the treating hospital or clinic.
Keep all documentation: Make sure to keep any medical reports, booking forms, receipts, hospital certificates or invoices. These will be needed for your claim.
Fill out a claims form when back in the UK.  If you’ve paid any medical costs yourself, you’ll have up to 30 days from the end of your holiday to make a claim. Please be as accurate as possible in your information. This is where you’ll need to provide your receipts, certificates and booking forms.
Send it to us. Remember to keep a copy of all the documents you’ve sent us, just in case.
We’ll do the rest. Our team will get to work and keep you posted with any updates.

For full instructions on how to claim, please read our How To Claim page.
[H2] What does AllClear’s travel insurance for medical conditions cover?

SWIPE TO COMPARE POLICIES

[H3] Gold
[H3] Gold Plus
[H3] Platinum
Emergency medical expenses and Repatriation costs
Up to £10m
Up to £15m
Unlimited
Cancellation* and cutting your trip short
Up to £2k
Up to £15k
Up to £25k
Travel Delay
Up to £300
Up to £1,500
Up to £1,500
Personal Belongings
Up to £2k
Up to £2.5k
Up to £5k
Personal liability
Up to £2m
Up to £2m
Up to £2m
Legal protection cover
Up to £50k
Up to £50k
Up to £100k
* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.

Call Free 0800 848 8608

or

Get Quote Online

[H3] What’s not covered?

Travel insurance covers  you when abroad (and before you go) and provides assistance in case of unforeseen emergencies. However, certain types of claims may not be covered. You should review your policy document carefully before you travel. This will help you to know what benefits you have, and what exclusions apply.
Examples of situations where you may not be covered:

Travelling against the advice of a medical professional
If you choose not to travel
If you have not declared a pre-existing medical condition
If you are travelling specifically to receive medical treatment abroad

[H3] Limitations of GHIC: what it doesn’t cover

The Global Health Insurance Card (GHIC)  entitles you to access emergency and necessary state healthcare in EU countries, as if you were a local citizen.
However, the GHIC is not a replacement for Travel Insurance. It doesn’t protect you against many of the costs that could arise while travelling, including:

Rescue and repatriation – for example, an air ambulance from Spain back to the UK can cost £10,000 or more

Lost or stolen belongings – including passports, baggage, or valuable personal items

Trip cancellation, curtailment or interruption – if you need to cancel before travel or return home early

Additional accommodation or transport costs – due to unexpected illness or medical treatment

Medical treatment outside of the EU –this includes any healthcare costs you incur in non-EU countries, even if they border the EU or are part of the Schengen Area. The GHIC only provides access to state healthcare in EU member countries, so you won’t be covered elsewhere.

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[IMG: Insurance Times Awards 2023, Customer Champion of the Year - Broke