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AllClear Gold is a UK travel insurance policy with up to £10 million per person for emergency medical expenses and repatriation, but that headline limit does not make it automatically suitable for every traveller. Cover depends on the policy wording, the schedule, the options selected and, for pre-existing medical conditions, individual screening and underwriting. This review uses AllClear’s UK GP 0825 booklet; check that edition against your quote and schedule, since similarly named products in other countries have different terms.
What does AllClear Gold cover?
The AllClear Travel UK policy booklet GP 0825 sets out the following Gold limits. They are maximum policy benefits, not guaranteed claim payments: definitions, exclusions, conditions, the schedule and selected options apply.
| Section | Gold limit or benefit | Excess |
|---|---|---|
| Emergency medical expenses and repatriation | £10,000,000 per person | £250 |
| Cancellation | £2,000 | £250; the booklet also notes a separate £15 loss-of-deposit excess |
| Cutting a trip short (curtailment) | £2,000 | £250 |
| Dental expenses | £350 | £75 |
| Baggage and personal property | Up to £2,000; £200 standard single-item limit and £250 listed limit for gadgets and valuables | £75 |
| Missed departure | £750 | No excess |
| Travel delay | £20 after the first 12 hours, then £10 for each further 12 hours, up to £300 | Not stated for this benefit in the summary |
| Personal liability | £2,000,000 | £75 |
| Legal expenses | £50,000 | No excess |
These figures are from the AllClear Travel UK Gold and Gold Plus policy booklet GP 0825. The booklet says cancellation cover may be excluded if that option was selected. Gadget and valuables extensions have separate terms, so check the schedule and wording rather than assuming the listed limits apply to your belongings in every situation.
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How does medical screening affect cover?
AllClear says it has no maximum age limit for single-trip or annual multi-trip policies. That does not mean every applicant will be offered cover: medical screening and underwriting assess the traveller and trip, and affect both availability and price. AllClear’s terms say it may be unable to offer cover where a particular combination of age, destination, duration, policy type and condition severity exceeds underwriting limits. They also identify a terminal prognosis of less than six months from the scheduled return date as a circumstance in which cover cannot be offered. See AllClear’s terms on cover and quote prices, updated 30 July 2026.
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AllClear says it can cover any medical condition or group of conditions as a general screening proposition; this is not a promise that every condition or applicant will be accepted. The medical history that may need to be declared can include diagnoses, prescribed medication, treatment, medical advice, routine reviews and some unresolved symptoms from the previous two years. AllClear’s pre-existing medical conditions guidance, updated 13 August 2026, warns that claims related to conditions that should have been declared may not be covered. Answer screening questions accurately and check the accepted conditions recorded in your quote and schedule.
When emergency medical cover does not apply
The guidance describes no emergency medical cover for travelling against medical advice, travelling specifically to receive treatment, or treatment that is expected or planned. Read the current policy wording and your individual schedule for the precise exclusions and conditions that apply.
What should you check before buying?
Compare policies using the same traveller, destination, dates and trip length; otherwise, differences in quotes or cover can be misleading. Check each of these against your needs:
- Medical and repatriation limit: compare the limit and excess, and confirm how disclosed conditions are treated in the quote and schedule.
- Cancellation and curtailment: compare each limit and excess, and confirm that cancellation cover is included rather than removed by an option selection.
- Baggage: check the overall limit, the standard single-item cap, and the terms for gadgets and valuables, including any optional extension.
- Trip eligibility: confirm the destination and duration qualify for the policy type you are considering.
- Total price: obtain a quote for the actual traveller and trip, with the same options selected across policies. A representative premium cannot be stated without those details, and AllClear says prices may change.
- Policy edition: confirm that the booklet and schedule attached to your quote are the versions governing your cover.
Gold Plus is a separate level, with higher limits than Gold in several sections of the booklet. The tier name alone does not establish better value: compare the complete current wording and the price for your particular trip.
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What this review can—and cannot—establish
The booklet provides specific benefit limits and excesses, but those figures do not establish how often claims are accepted or how customers fare in practice. No independent claims-acceptance rate, price benchmark or statistically representative customer outcome is available here. Treat the policy limits as a description of the contract, not as evidence of service quality or a prediction of a claim outcome.
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Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
