Mental health travel insurance
Mental health travel insurance covers you if you are living with any mental health related conditions and wish to travel with peace of mind. Travel Insurance for pre existing conditions covers you for medical emergencies, even those related to COVID-19, which is vital to prevent unexpected medical bills and give you the support you need if you have any medical problems while you are away.
As a specialist mental health travel insurance provider, we understand the special needs you may require when travelling abroad.
Benefits of AllClear Cover
| Gold | Gold Plus | Platinum | ||
|---|---|---|---|---|
| Emergency medical expenses and Repatriation costs | Up to £10m | Up to £15m | Unlimited | |
| Cancellation* and Curtailment | Up to £2k | Up to £15k | Up to £25k | |
| Travel Delay | Up to £300 | Up to £1,500 | Up to £1,500 | |
| Recuperation stay | ||||
| Personal Belongings | Up to £2k | Up to £2.5k | Up to £5k | |
| Personal liability | Up to £2m | Up to £2m | Up to £2m | |
| Legal protection cover | Up to £50k | Up to £50k | Up to £100k | |
| * If you buy a policy which includes cancellation cover | ||||
| All these figures are per person and per trip | ||||
Frequently asked questions
Do you need to declare your mental illness? What if your mental illness condition is undiagnosed?
Yes. If you do not fully declare all your mental health conditions, then any claim you make that arises from that condition may not be covered.
If you have an undiagnosed condition you’ll need to wait until your GP has provided you with a diagnosis (Source: NHS). Once you have a diagnosis, you’ll be able to run through our quote process.
What mental health conditions do you cover?
We know that mental illness spans a very broad number of conditions and we’re able to offer specialist mental health travel insurance cover for any mental illness you may have. You may wish to visit our travel insurance for those with anxiety page for further information on these conditions.
What happens if your medical situation changes after you get your insurance?
Please let us know at the earliest opportunity – but before you book or start your holiday, or pay the balance for any further amounts towards your trip. To change your original medical declaration please call our Customer Care Team on 01708 339029 and they will be happy to make the adjustments. You should note that in some instances an additional premium may be applied to your policy to keep your cover in place.
How is your premium determined?
Your destination, trip duration, age and any pre-existing medical conditions you may have are the main factors used to calculate the cost of your premium. Our AllClear policies for travel insurance for mental health patients are continually reviewed and analysed to ensure that the premiums we offer are fair and accurate.
Annual multi-trip or single trip?
An annual multi-trip policy allows you to travel multiple times within a year. The maximum duration of these trips varies between policies. However, it is usually between 31 to 45 days.
If you need a longer trip duration or, if you only plan on travelling once in the year, then a single trip travel insurance policy may be right for you.
What will affect the price of your policy?
We calculate the premiums you’re displayed using multiple factors. These include age, trip duration, destination and pre-existing medical conditions.
