AllClear

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.

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

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

• Travel insurance
• Medical condition cover
• Senior travel insurance
• Pre-existing conditions
• Specialist insurance

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. 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.
2. 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

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core 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

Named customers2 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• CEF IndustriescoreStrategic or Co-development Partner · 21 April 2026AllClear 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

Direct 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

• Xx.com/allcleartravel
• Facebookfacebook.com/AllClearTravel
• LinkedInlinkedin.com/company/allclear-insurance-services
• Instagraminstagram.com/allclearinsurance

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AllClear