AllClear Gold is a UK travel insurance policy with substantial emergency medical cover, but its limits are not the same as a promise to pay every claim. The policy booklet GP 0825 lists up to £10 million for emergency medical expenses and repatriation, £2,000 for cancellation and cutting a trip short, and £2,000 for personal property. Medical screening, excesses, exclusions and the cover shown on your own schedule all affect what you get.
What does AllClear Gold cover?
The figures below are per-person policy limits in AllClear Travel UK’s Gold and Gold Plus booklet GP 0825. They are subject to the policy definitions, exclusions, conditions and the options recorded on the individual schedule; they are not guaranteed claim payments.
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| Section | Gold limit | Excess or condition shown |
|---|---|---|
| Emergency medical expenses and repatriation | £10,000,000 | £250 excess |
| Cancellation | £2,000 | £250 excess; a separate £15 loss-of-deposit excess note applies |
| Cutting a trip short | £2,000 | £250 excess |
| Personal property (baggage) | Up to £2,000 | £75 excess; £200 standard single-item limit; £250 listed gadget and valuables limit |
| Missed departure | £750 | No excess |
| Travel delay | £20 after the first 12 hours, then £10 for each additional 12 hours, up to £300 | Payment is subject to the policy’s delay terms |
| Dental expenses | £350 | £75 excess |
| Personal liability | £2,000,000 | £75 excess |
| Legal expenses | £50,000 | No excess |
Cancellation may be excluded if that option was not selected. The booklet also treats optional gadget and valuables extensions separately, so check your schedule rather than assuming the standard baggage limits have been increased. Read the AllClear policy documents and confirm the edition and cover level match your quote.
How does medical screening affect cover?
Disclose relevant conditions and history
AllClear says customers undergo medical screening and that relevant medical history from the previous two years may need to be declared. Its guidance includes diagnoses, prescribed medication, treatment, medical advice, routine reviews and some unresolved symptoms. Answer the screening questions carefully and check the conditions and answers recorded in your quote and schedule. AllClear warns that claims related to conditions that should have been declared may not be covered. AllClear’s guidance on pre-existing medical conditions explains its general approach.
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No maximum age does not mean everyone can get cover
AllClear says it does not set a maximum age for single-trip or annual multi-trip policies. That is not a guarantee of acceptance: underwriting considers the traveller and trip, and a combination of age, destination, duration, policy type and condition severity may fall outside its limits. AllClear also says it cannot offer cover where a terminal prognosis is less than six months from the scheduled return date. The practical test is whether AllClear offers cover for your disclosed circumstances, at what price, and on what terms. AllClear’s terms on cover and quote prices were updated on 30 July 2026.
Situations emergency medical cover does not include
AllClear’s medical guidance describes exclusions for travelling against medical advice, travelling specifically to receive treatment, and expected or planned treatment as emergency medical expenses. Those exclusions are distinct from the screening decision, so read the policy wording and your schedule for the exact terms that apply.
What should you check before buying?
Compare policies against the same traveller, destination, dates, trip length and medical disclosures. A headline limit alone cannot show whether a policy fits your trip or how a claim would be assessed.
- Medical and repatriation: Compare the limit, excess and applicable conditions, and confirm each disclosed condition was accepted.
- Cancellation and curtailment: Check both limits and excesses, and confirm cancellation cover is included if you need it.
- Baggage: Compare the total limit with single-item and gadget or valuables sub-limits; check whether any extension is selected.
- Eligibility: Confirm that destination and trip duration fit the policy, including any restrictions shown in the quote or booklet.
- Price and schedule: Compare the actual quotes for identical details, then check the policy level, options, excesses and disclosed information on the final schedule.
Gold Plus is a separate level, and the booklet lists higher limits than Gold in several sections. Tier names alone do not establish better value: compare the full current wording and the price offered for your trip. AllClear says prices can change, and a premium cannot be meaningfully stated without traveller, destination, dates, duration, medical disclosures and selected options.
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What the available evidence can—and cannot—tell you
The policy booklet establishes contractual limits and conditions; it does not establish how often claims are accepted, how quickly they are handled, or whether premiums are competitive. No representative claims-acceptance rate, price benchmark or statistically representative customer outcome is established here. Treat the policy figures as a way to assess the stated cover, not as evidence of service quality or a personal recommendation.
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