AllClear
AllClear is a UK-based specialist travel insurance intermediary serving travellers with pre-existing medical conditions and senior citizens, underwriting 1,300+ medical conditions with no age limit via a direct-to-consumer and broker channel.
- Company typePrivate
- Founded2000
- HeadquartersLondon, United Kingdom
- Headcount51–100
- GTM typeB2C
- OfferingServices
What AllClear does
AllClear is a privately held UK-based specialist travel insurance intermediary founded in 2000, focused on the underserved niches of travellers with pre-existing medical conditions and senior travellers. Its core proposition is "all conditions, all ages, all destinations": it underwrites 1,300+ pre-existing medical conditions with no upper age limit, using an automated medical screening and underwriting engine that supports niche use cases such as terminal-illness cover (where prognosis exceeds six months at trip return). The product portfolio centres on Single Trip and Annual Multi-Trip policies across three tiers (Gold, Gold Plus, Platinum), with medical cover ranging from £10m to unlimited, plus add-on modules for cruise, golf, family, group, and gadget cover. Distribution is direct-to-consumer through a 24/7 UK website, contact centre and live chat, supplemented by broker channels and a deep long-tail SEO footprint across condition- and destination-specific landing pages.
The business operates through a multi-jurisdictional corporate structure: IES Limited (Gibraltar, FSC25393) arranges the insurance and trades into the UK on a freedom-of-services basis (FCA FRN 824283), while AllClear Insurance Services Limited (England, FCA FRN 311244) administers it. The company also operates a Sydney regional headquarters serving Australia and a wholly-owned aerospace subsidiary, AllClear Repair Services (ACRS), which in April 2026 became an authorised service centre for CEF Industries on C-130 component repairs. The group holds ABTA partner status, ATII membership, and BIBA Medical Cover Firm Directory listing. AllClear is currently ranked #1 Most Trusted Insurance Company on Trustpilot 2025, has received Which? Best Buy for three consecutive years, and reports 99%+ of claims paid within five working days against a base of 3.5 million+ lifetime customers.
Revenue is generated primarily through commission on insurance premiums arranged from insurers, with possible additional profit-share commission where insurer targets are met, and ancillary revenue from renewal cycles on annual multi-trip policies. The customer base is entirely consumer (B2C), with no named enterprise accounts. Beyond the UK and Australia, the ACRS aerospace subsidiary represents a material vertical extension into regulated MRO services for global C-130 operators, diversifying the group's economic exposure beyond insurance intermediation.
AllClear firmographics
Firmographics- Name
- AllClear
- Legal name
- AllClear Insurance Services Limited
- Website
- https://allcleartravel.co.uk
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- AllClear is a UK-based specialist travel insurance intermediary serving travellers with pre-existing medical conditions and senior citizens, underwriting 1,300+ medical conditions with no age limit via a direct-to-consumer and broker channel.
- Ownership category
- akta.pro rank
AllClear industry classification
Industry- Product category
- Travel Insurance
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Embedded Travel Insurance/Protection Payments & Claims Disbursement (THALAHAJ)
Keywords
Where AllClear is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices3 records
Markets served
AllClear business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure
Revenue model
- Travel Insurance Premiums: AllClear acts as an insurance intermediary, arranging travel insurance policies from insurers. The company receives commission from the insurer for the sale, service, and renewal of insurance policies. Commission is included in the premium paid by customers. Additional profit share commission may be received if certain targets set by the insurer are met. Staff may receive monthly or periodic incentives and bonus payments based on performance including quality of service.
- Policy Renewals: Recurring revenue from policy renewals, with customers able to renew annually for multi-trip coverage or purchase new single-trip policies.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Pay-as-you-go | Gold - Essential coverage tier |
| Subscription | Pay-as-you-go | Gold Plus - Enhanced coverage mid-tier |
| Subscription | Pay-as-you-go | Platinum - Unlimited medical cover premium tier |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
AllClear product offering
Product offeringCore offering
AllClear is a UK-based specialist travel insurance intermediary that arranges travel insurance policies for individuals who are typically declined or overpriced by mainstream insurers. The company focuses on travellers with pre-existing medical conditions (covering 1,300+ conditions) and senior travellers with no upper age limit, offering single-trip, annual multi-trip, cruise, family, group, golf, and gadget policies administered through its own online platform and UK contact centre. It also operates AllClear Repair Services (ACRS), a separate aerospace division providing authorized C-130 component repair services for CEF Industries.
Product overview
AllClear is a specialist travel insurance provider offering a comprehensive portfolio of products designed around three core pillars: 'All conditions, all ages, all destinations.' The core product line consists of Single Trip and Annual Multi-Trip Travel Insurance policies available in three tiers (Gold, Gold Plus, and Platinum), each offering escalating levels of coverage from £10m emergency medical (Gold) to unlimited medical cover (Platinum). The company specializes in covering pre-existing medical conditions—offering policies for over 1,300 conditions including cancer, diabetes, heart conditions, mental health conditions, and musculoskeletal disorders—without age limits, making it particularly suited for senior travellers (Over 50s through Over 90s). Specialized add-on modules include Cruise Travel Insurance, Golf Travel Insurance, Group Travel Insurance (up to 8 adults), Family Travel Insurance (up to 2 adults + 8 children), and Gadget Travel Insurance (up to 8 devices). Geographic coverage spans Europe, Worldwide, and UK-specific policies with destination-specific pages for major countries. A separate aerospace division, AllClear Repair Services (ACRS), provides authorized C-130 aircraft component repair services for CEF Industries. The company also maintains an online self-service portal and contact centre for quotes, policy management, and claims processing.
Differentiator
Problem solved
Functional benefit
Brands
- AllClear Gold: Entry-level policy tier offering up to £10m emergency medical cover, £2k cancellation cover, and basic travel benefits.
- AllClear Gold Plus
- AllClear Platinum
- AllClear Cruise Gold
- AllClear Cruise Platinum
- AllClear Repair Services (ACRS)
Products and services
- Single Trip Travel Insurance Single trip travel insurance covering one trip from a weekend break to a month-long getaway, with medical screening for pre-existing conditions; starting from £29.56 for customers with high blood pressure.
- Annual Multi-Trip Travel Insurance Annual multi-trip travel insurance covering multiple trips within 12 months with up to 45 days per trip (extendable to 55 days); starting from £60.12 for an over-50 customer with high blood pressure.
- Cruise Travel Insurance Specialist cruise cover offering protection from missed ports to medical emergencies at sea, including cabin confinement coverage; available in Cruise Gold and Cruise Platinum tiers.
- Pre-existing Medical Conditions Travel Insurance Specialist medical travel insurance covering over 1,300 pre-existing medical conditions including diabetes, cancer, heart disease, arthritis, mental health conditions, and terminal illness, with tailored medical screening quotes.
- Seniors Travel Insurance Travel insurance with no upper age limit designed for older travellers including Over 50s through Over 90s, providing age-appropriate cover with comprehensive medical and repatriation benefits.
- Golf Travel Insurance Specialist travel insurance cover for golf holidays including protection for golf clubs up to £750.
- Group Travel Insurance Travel insurance for groups of up to eight adults on a single policy, with coordinated cover for all members including those with medical conditions.
- Family Travel Insurance Travel insurance policy covering up to two adults and up to eight children on a single policy, with options to include children with medical conditions.
- Gadget Travel Insurance Travel insurance gadget add-on covering up to eight different devices on a single policy for travel-related gadget protection.
- AllClear Repair Services (ACRS) Aerospace repair services division providing authorized C-130 aircraft component repair support as a designated service center for CEF Industries, ensuring quality, compliance, and traceability for global C-130 operators.
Quantifiable outcome
- 24% higher claims settlement rate vs some providers
- +4 more outcomes
Companies that use AllClear
Customer profileNamed customers2 records
Segments5 records
Ideal customer profiles3 records
AllClear technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
AllClear partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- CEF IndustriescoreAllClear Repair Services (ACRS) was named an authorized service center for CEF Industries to perform repairs on select C-130 components. This partnership expands ACRS's role in supporting global C-130 operators, allowing repairs in accordance with CEF standards ensuring quality, compliance, and traceability. The partnership increases authorized repair capacity and reduces turnaround times for operators while reinforcing shared focus on delivering compliant sustainment solutions that support long-term C-130 fleet readiness worldwide.
Scale indicators9 records
Recent moves6 records
Expansion highlights5 records
AllClear competitors and assessment
Company assessmentDirect peers
- Staysure: UK specialist travel insurance intermediary focused on over-50s and customers with pre-existing medical conditions; competes head-to-head with AllClear in the same niche using a similar direct-to-consumer + broker model.
- Free Spirit Travel Insurance: UK specialist travel insurance provider for older travellers and those with medical conditions, offering no upper age limits — directly overlaps AllClear's core customer segment and product positioning.
- Avanti Travel Insurance: UK specialist travel insurance intermediary targeting older travellers and customers with pre-existing conditions; direct niche competitor with comparable underwriting-led value proposition.
- Goodtogoinsurance: UK travel insurance specialist targeting the over-50s and those with medical conditions; similar specialty positioning and direct distribution model to AllClear.
- CoverForYou: UK travel insurance intermediary offering single-trip, annual multi-trip, and cruise cover with medical condition options; competes in same product category and distribution channels as AllClear.
- Flexicover: UK online travel insurance intermediary focused on value-oriented single and multi-trip policies including medical condition cover; direct competitor in online direct-to-consumer travel insurance.
- World First Travel Insurance: UK travel insurance intermediary that pioneered coverage for travellers with serious pre-existing medical conditions including terminal illness; direct specialist competitor to AllClear's medical-condition niche.
Broad incumbents
- Saga Travel Insurance: UK over-50s specialist financial services brand offering travel insurance among broader product portfolio; significant overlap in senior traveller customer base, though operates as a broader lifestyle/insurance brand.
- InsureandGo: Major UK travel insurance intermediary serving both mainstream and medical-condition customers; broad incumbent that overlaps with AllClear on condition coverage while also serving healthy travellers.
Regional players
- Age UK Travel Insurance: UK travel insurance product offered under the Age UK charity brand targeting the over-50s with medical condition cover; same customer demographic and product category but distributed primarily through the Age UK affinity channel rather than direct acquisition.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
AllClear social profiles
Digital presenceAllClear compliance and trust
Trust signalCompliance8 records
AllClear financial estimates
Financial estimateRevenue estimate
Valuation estimate
AllClear leadership team
Management profileNumber of profiles
Profiles2 records
AllClear subsidiaries and ownership
Company hierarchySubsidiaries1 record
AllClear funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
AllClear M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about AllClear
What does AllClear do?
AllClear is a UK-based specialist travel insurance intermediary that arranges travel insurance policies for individuals who are typically declined or overpriced by mainstream insurers. The company focuses on travellers with pre-existing medical conditions (covering 1,300+ conditions) and senior travellers with no upper age limit, offering single-trip, annual multi-trip, cruise, family, group, golf, and gadget policies administered through its own online platform and UK contact centre. It also operates AllClear Repair Services (ACRS), a separate aerospace division providing authorized C-130 component repair services for CEF Industries.
Is AllClear a public or private company?
AllClear is a private company. It is classified as management employee owned and is currently operating.
When was AllClear founded?
AllClear was founded in 2000. It employs 51 to 100 people.
Where is AllClear based?
AllClear is headquartered in London, United Kingdom, in the Europe region.
How does AllClear make money?
Two revenue lines are on record. Travel Insurance Premiums are the primary driver. The others are policy Renewals.
Who are AllClear's main competitors?
Direct peers on record are Staysure, Free Spirit Travel Insurance, Avanti Travel Insurance, Goodtogoinsurance, CoverForYou, Flexicover and World First Travel Insurance. Broad incumbents are Saga Travel Insurance and InsureandGo. Age UK Travel Insurance is listed as a regional player.
Does AllClear have an API?
No public API is recorded for AllClear.
What industry is AllClear in?
AllClear's product category is Travel Insurance. Its primary akta.pro industry code is THALAHAJ, Embedded Travel Insurance/Protection Payments & Claims Disbursement. Its NAICS code is 5242 and its SIC code is 6399.