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AllClear Traveller Multi-Trip is designed for people taking several trips in a year, but whether it is a good fit depends on your destinations, trip lengths, medical screening outcome and quote. AllClear advertises three levels—Gold, Gold Plus and Platinum—with different medical and cancellation limits. Its annual cover allows unlimited trips in the selected region, subject to a 183-day annual cap and limits on each trip. Compare your issued schedule and policy wording before relying on any headline limit.
What the three cover levels include
AllClear’s current annual multi-trip product page lists these headline limits. They are not a substitute for checking which benefits are included in your chosen policy and the terms, exclusions and excess shown in your schedule.
| Level | Emergency medical and repatriation | Cancellation |
|---|---|---|
| Gold | £10 million per person, per trip | £2,000 |
| Gold Plus | £15 million per person, per trip | Up to £15,000 |
| Platinum | Unlimited | Up to £25,000 |
These are figures advertised by AllClear on its annual multi-trip product page, accessed in 2026; they are not independent comparative findings. The page does not establish that one level is best for every traveller. Check the policy comparison and your schedule for baggage, delay, liability, excesses, sub-limits and exclusions before deciding whether a higher limit matters for your trip. AllClear annual multi-trip cover
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How annual cover works—and its limits
The policy is intended to cover multiple trips over a 12-month period within the region selected when buying. AllClear describes the number of trips as unlimited, but that does not mean unlimited time away: its product information caps covered travel at 183 days across the policy year, and each trip is subject to a maximum duration. Trips outside the selected region are not covered by that regional choice. AllClear annual multi-trip cover
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Maximum length of each trip
The located AllClear Options booklet states a usual maximum of 45 days per trip. It specifies 35 days for a traveller aged 71 or older travelling to the USA, Canada, Mexico or the Caribbean. Paid extensions to 50 or 55 days may be available in specified age and destination cases. The booklet is branded AllClear Options, so confirm that these limits and extension terms apply to the Traveller-branded policy you are offered; use the exact wording and schedule issued with your policy. AllClear policy wordings
Medical conditions, age and eligibility
AllClear says it considers more than 1,300 pre-existing medical conditions, but this does not mean every condition or applicant will be accepted. Medical screening is required. The located policy wording says a condition is covered only if it has been disclosed and accepted in writing. Check that each relevant condition appears as accepted on your schedule, and report changes in health as required by the policy. AllClear annual multi-trip cover AllClear policy wordings
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AllClear says there is no single maximum age limit for its annual multi-trip product. That is not a guarantee of a quote: eligibility and terms can depend on age, destination, medical history and other underwriting factors, and an application may not receive an offer. Your quote and policy schedule determine what is available to you. AllClear annual multi-trip cover AllClear terms and conditions
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Regional cover and optional extras
Select a region that includes every destination you intend to visit. AllClear notes that options such as cruise, winter sports, gadgets and natural-disaster cover can affect the policy and quote, so check which are available and included rather than assuming they come with the headline level.
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- Cruises: The located Options booklet says cruise cover requires Gold Plus or Platinum and an additional cruise premium; it says Gold does not offer cruise cover. Confirm the terms for the Traveller policy before buying.
- Winter sports: The booklet says an additional premium is required.
- Business trips: The booklet says business trips are excluded.
When cancellation cover starts
The located Options booklet says cancellation cover on an annual policy begins when the trip is booked or when the policy starts, whichever is later. AllClear’s product FAQ also advises that cancellation cover does not begin before the policy start date. Cover applies only to cancellation reasons defined by the policy; it is not protection for every reason you might cancel. Check the precise start date, covered reasons and wording on the documents for your policy, particularly if you have already booked a trip. AllClear policy wordings AllClear annual multi-trip cover
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Is it worth getting a quote?
An annual policy may be convenient if you expect to make several trips in its selected region, but whether it costs less than separate policies depends on your itinerary and individual quote. AllClear presents annual cover as potentially time- and money-saving; that is the provider’s claim, not an independent comparison. No personal quote or independent claim or customer-experience assessment is available here, so this is a guide to the policy’s stated terms rather than a verdict that it is the cheapest or best choice.
Rank #4
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Before buying, use this checklist:
- Compare the annual quote with the cost and cover of separate policies for your actual trips.
- Check the excess, benefit limits, sub-limits and exclusions for the level you are considering.
- Confirm that every destination is within the selected region.
- Check each trip’s maximum duration and the 183-day annual travel limit against your plans.
- Disclose medical conditions and confirm their written acceptance on your schedule.
- Add required cruise or winter-sports cover, if available and relevant to your policy.
- Confirm when cancellation cover starts and whether the covered reasons meet your needs.
Review AllClear’s annual multi-trip cover details and read the policy documents that apply to your quote before deciding.
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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.
