Travelling with a pre-existing medical condition shouldn’t mean settling for less cover – or paying more than you should. AllClear is a specialist insurer built for travellers of any age, with any condition, heading to any destination. With no upper age limit and three levels of cover to choose from, AllClear is one of the most inclusive travel insurers available to Australians. Check the latest AllClear deals below before you buy your next policy.
Latest AllClear Travel Insurance Promo Codes & Deals
Affiliate Disclosure: The Champagne Mile may earn a commission via links on this page. You should assess your own financial situation and needs and read all relevant Product Disclosure Statements and Terms and Conditions on the website of each Vendor before making a decision to purchase any service or product we display.
How to Use an AllClear Travel Insurance Promo Code
- AllClear deals on this page are applied when you click through from our links. If you have a promo code, you can enter it before you pay.
- Click any deal link on this page to go to AllClear.
- Enter your trip details: destination, travel dates and the age of each traveller.
- Complete the online medical assessment and declare all of your pre-existing conditions.
- Choose single trip or annual multi-trip cover, then pick your level: Gold Plus, Gold or Traveller. Traveller is for single trips only.
- Add any extras you need, such as cruise, winter sports, golf or travelling companion cover, and choose your excess.
- If you have a promo code, enter it at checkout and click Apply.
- Check your price and your declared conditions on the quote summary, then complete your purchase. Your policy documents will be emailed to you.
The pre-existing conditions specialist · no upper age limit
Get a quote, even if another insurer has said no.
Check your conditions are considered before you commit.
- 1,300+Pre-existing conditions considered, including complex and multiple ones
- 3 tiersThree levels of cover, so you match cover to your trip and budget
- Cruise readyCruise cover options sit alongside the specialist underwriting
How Much Can You Save with AllClear?
Because AllClear specialises in pre-existing conditions, it’s hard to compare like for like with other insurers. What we can show is how its three levels of cover differ.
We’ve used a 40-year-old male travelling to Bali for one week, with Type 2 diabetes and otherwise healthy. Quoted May 2026.
| Gold Plus | Gold | Traveller | |
|---|---|---|---|
| Policy Cost | $137.75 | $132.17 | $136.01 |
| Excess (maximum amount) | $300 | $250 | $250 |
| 24/7 emergency assistance | Yes | Yes | Yes |
| Cancellation (limit choosen in quote) | Unlimited | $12,000 | $5,000 |
| Medical and repatriation | Unlimited | Unlimited | Unlimited |
| Luggage and personal belongings | $10,000 | $7,000 | $3,000 |
| Personal liability | $2,000,000 | $2,000,000 | $2,000,000 |
| Travel delay and abandonment | Unlimited | $12,000 | $5,000 |
| Rental vehicle excess | $6,000 | $4,000 | $0 |
| Age limit | None | None | Up to 66 |
Pricing is indicative only. As always, do your own research and read the PDS. Quotes include GST.
Best Ways to Save with AllClear
- Buy directly through AllClear using the links on this page to avoid third-party fees.
- Select cover based on how often you travel – Choose single-trip or annual multi-trip cover. Over-70s on annual cover are limited to trips of up to 31 days each.
- Adjust your excess: choose a double excess for a lower premium, or zero excess if you’d rather pay more upfront.
- Only add the extras you’ll use, such as cruise, winter sports or golf cover.
- Purchase your policy as soon as you book your trip to lock in cover early
- Fully declare medical conditions upfront to avoid issues or added costs later
AllClear pre-existing medical condition cover explained
Most mainstream travel insurers either decline pre-existing conditions outright or load your premium so heavily it stops making sense. AllClear takes the opposite approach: pre-existing conditions are the core of what they underwrite, not an exception they tolerate.
When you get a quote, you’ll complete an online medical assessment covering your specific condition, whether that’s diabetes, a heart condition, or something more complex, and AllClear will confirm exactly what’s covered and whether any additional premium applies before you commit. This applies across all three of their cover levels (Gold Plus, Gold and Traveller), so you’re not forced into their most expensive tier just to get a condition considered. The Traveller level is for single trips only and is available to travellers aged up to 66.
The key is declaring everything upfront and in full: leaving out a condition, even one that seems minor, can put a claim at risk later. If a claim doesn’t go your way, you’re not stuck with AllClear’s internal decisio. The Australian Financial Complaints Authority (AFCA) gives you an independent avenue to dispute it.
What is AllClear?
AllClear Travel Insurance specialises in cover for travellers of all ages, including those with pre-existing medical conditions. With a strong focus on inclusivity, AllClear offers policies tailored to individual needs, including single-trip, annual multi-trip, and cruise cover. Their plans cover essentials like medical emergencies, cancellations, lost luggage, and more.
Policies are underwritten by Europ Assistance Australia, with AllClear Insurance Services acting as its authorised representative.
AllClear has won several industry awards, including WeMoney’s Best for Specialist Cover in 2025 and 2026, WeMoney’s Best for Seniors Travel Insurance in 2025, and Mozo’s Exceptional Value Cruise Travel Insurance award in 2025.
Unsure whether AllClear is right for you? Have a read of the Trustpilot reviews.
As always, ensure you follow advice from Smartraveller, as this has a huge impact on whether an insurance claim is successful with any insurance company.
Is AllClear Worth It?
For most people who need it, yes. If you’re using AllClear, there is a strong chance that it’s because you’re a senior and/or have a medical condition. In that case, travel insurance is essential, and AllClear is one of the few insurers built around your situation. Check our guides: Travel insurance over 70 and travel insurance for over 80s.
How AllClear Promo Codes Work / Why Your Code Might Not Work
Deals on this page are applied when you click through from our links. If the price doesn’t look right, follow the steps in the “How to Use” section above.
Some of the reasons a deal or code may not work include:
- You opened AllClear’s site directly instead of clicking through from this page
- Attempting to stack codes
- Codes only valid for certain policy types or cover levels
- Your browser’s cookies or cache need clearing, or an ad blocker is stopping the link from tracking
The pre-existing conditions specialist · no upper age limit
Get a quote, even if another insurer has said no.
Check your conditions are considered before you commit.
- 1,300+Pre-existing conditions considered, including complex and multiple ones
- 3 tiersThree levels of cover, so you match cover to your trip and budget
- Cruise readyCruise cover options sit alongside the specialist underwriting
Final Thoughts: Best AllClear Deals Right Now
AllClear is the travel insurance specialist that says yes when others say no – with no upper age limit, every condition considered, and no destination off the table. If you’re an older Australian or one with pre-existing conditions, it’s one of the few insurers built around your needs rather than around exclusion. Check the latest AllClear deals above and get the cover you need for your next trip.
Promo Codes for Other Travel Insurers
Cover, excess and price all vary between insurers, so compare a few before you buy. See our full travel insurance promo codes guide for every provider we cover, or browse our travel insurance guides for seniors, cruises, pre-existing conditions and more.
Frequently Asked Questions
Who underwrites AllClear Travel Insurance?
AllClear Travel Insurance is underwritten by Europ Assistance Australia Pty Ltd (AFSL 552106). AllClear Insurance Services Pty Ltd, trading as AllClear Travel Insurance, distributes and administers the policies as its authorised representative.
How do I contact AllClear Travel Insurance?
Call AllClear toll-free on 1800 785 870 (Monday to Friday). For claims, call 02 9333 3921. If you need emergency assistance while travelling, call +61 2 9333 3922.
Can I get AllClear travel insurance if I have a pre-existing heart condition?
AllClear specialises in cover for travellers with pre-existing medical conditions, including heart conditions that many mainstream insurers decline or exclude. You’ll need to complete an online medical assessment during the quote process, which will confirm what’s covered and whether any additional premium applies.
Is there an age limit on AllClear travel insurance for Australians?
AllClear has no upper age limit on its Gold Plus and Gold cover, making it one of the few travel insurers available to Australians of any age. Two limits apply: the Traveller level is available to travellers aged up to 66, and annual multi-trip policies limit each trip to 31 days for travellers over 70. This makes it particularly well suited to older travellers who have been declined or priced out by mainstream insurers.
Can I get AllClear travel insurance for a cruise if I have a medical condition?
AllClear offers cruise cover options and considers pre-existing medical conditions across its policy range, which makes it a strong option for seniors planning a cruise holiday. Its cruise cover won Mozo’s Exceptional Value Cruise Travel Insurance award in 2025. Always declare your conditions upfront and check the PDS to confirm cruise-specific terms.
Who do I contact if I have an issue with AllClear travel insurance?
The Australian Financial Complaints Authority (AFCA) is the primary independent ombudsman for travel insurance disputes in Australia, offering a free service if you are unhappy with an insurer’s internal decision. Before contacting AFCA, you must first give your insurer the opportunity to resolve the complaint, typically within 45 days.
Does AllClear offer annual multi-trip cover?
Yes. AllClear offers annual multi-trip cover at the Gold Plus and Gold levels, covering all your trips over 12 months. Travellers over 70 are limited to trips of up to 31 days each.
How do I make a claim with AllClear?
Request a claim form from AllClear’s claims service within 28 days of returning home, either by calling 02 9333 3921 or through the claims section of AllClear’s website. Return it with your policy schedule, booking confirmation, original receipts and any police reports, which must be obtained within 72 hours for loss or theft. See our travel insurance claim guide for what to prepare.
Why Trust Us
-
Independent and Australian
We focus on deals Australians can actually use. Commercial partnerships never decide which brands we cover or how we rank them.
-
Sourced and checked
Codes come from the brands themselves and our official affiliate partners, not scraped from other coupon sites. We note terms like minimum spend, eligible products and new customer rules.
-
Kept up to date
Offers can change at short notice, so we review our pages regularly. The last updated date is shown on this page.
-
Corrections welcome
Spotted something out of date? Let us know and we will look into it and update the page. See our editorial policy.
Michael has been publishing deals and travel content for Australians for more than 10 years and runs the deals section of The Champagne Mile. With a Bachelor of Commerce and a background in commercial law, he reads the fine print so you don’t have to, from insurance PDSs to promo code terms. Every deal on the site is checked before it goes live and updated when offers change. When he’s not testing codes, he’s planning his next overseas trip or out on his dirt bike.
Last Updated on 26 October 2026
