AllClear Travel Insurance Active Deals, Sales & Codes in October, 2026

AllClear Travel Insurance is a specialist UK provider built around a specific gap in the market: travel insurance for people with pre-existing medical conditions. Founded with the mission of making cover accessible to travellers of any age or health profile, AllClear now insures over three million people and covers more than 1,300 declared conditions. The company operates from the UK and has built its reputation on a single proposition — that a medical history shouldn’t stop you travelling with confidence.

The provider’s core range includes Gold, Gold Plus, and Platinum tiers, all available as single-trip or annual multi-trip policies. Gold Plus and Platinum both hold a Defaqto 5-star rating, the highest available, and the Gold, Gold Plus, and Platinum lines have earned Which? Best Buy recognition. Prices start from around £52 for annual European cover — and all quotes are free, with no obligation. Beyond travel, AllClear also offers life insurance, private health insurance, and pet insurance, making it a broader household protection brand than many realise.

Several features stand out when you look beyond the headline price. The claims process is notably strong — more than 99% of non-assistance claims were approved for payment between January 2024 and January 2025, and AllClear offered cover in over 99.5% of 2025 quote requests. The referral scheme lets existing customers earn a £10 gift card for every friend who purchases through their link, while the friend gets 20% off. Customer service has been formally recognised too, winning the UK Broker Awards Customer Service Award in 2025.

Combine those credentials with the promo codes on this page and the referral savings, and this is a provider worth bookmarking if you travel regularly — or if finding cover with a medical condition has been difficult elsewhere.

If I have a pre-existing medical condition, will AllClear actually cover me?

This is AllClear’s core strength and the main reason we recommend them. The provider was specifically built around covering people with pre-existing medical conditions — over 1,300 of them, in fact. Unlike generalist insurers that might exclude your condition or charge punitive premiums, AllClear’s quote process begins by asking about your medical history so they can price it in from the start. Based on the data we’ve reviewed, AllClear offered cover in over 99.5% of cases during 2025, and approved more than 99% of non-assistance claims between January 2024 and January 2025. If you’ve been turned away elsewhere, AllClear is usually the first port of call.

Should I pick Annual Multi-Trip or Single Trip cover?

If you’re planning more than one trip in the next twelve months, annual cover almost always works out cheaper. AllClear’s annual policies start from around £52 for a Gold plan to Europe, and once it’s in place you don’t have to think about insurance again for a year. A single trip makes sense only if you’re certain this is your only holiday — and even then, the price gap is often smaller than people expect. We’d suggest running both quotes side by side before committing.

Can I stack a promo code with the referral discount?

Yes. The referral offer — where your friend gets 20% off and you receive a £10 gift card — operates separately from promo codes like OWN20 or S20. Your friend should apply the referral link first, then enter a promo code at checkout if one is available. Not every code will layer perfectly with every offer, so it’s worth testing the combination before you pay.

What does a Defaqto 5-star rating actually mean for me?

Defaqto independently assesses insurance products on the depth and quality of their cover. A 5-star rating is the highest available and signals that a policy sits in the top tier for its category. AllClear’s Gold Plus and Platinum plans both hold this rating, alongside a Which? Best Buy recommendation. In practical terms, it means you’re less likely to encounter gaps in cover when you need to claim — a common frustration with cheaper, lower-rated policies.

Can I cover multiple countries on one policy?

Up to ten countries can be included under a single-trip policy. For annual multi-trip cover, your destination is selected at the quote stage but can typically be adjusted regionally (Europe, worldwide excluding the USA, worldwide). If you’re planning a multi-stop itinerary, enter all countries when getting your quote so the premium reflects the full trip.