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Mental Illness Travel Insurance
Please read the Target Market Determination and Product Disclosure Statement
- Unlimited medical emergency expenses cover with 24/7 emergency medical helpline
- Unlimited cancellation cover available
- No upper age limit
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Comprehensive mental illness Travel Insurance
When we think about medical conditions, the first thing that comes to mind for many is physical health. Nowadays, as increasingly everyone recognises the importance of mental health to our well-being. We can offer mental illness Travel Insurance.
This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
Levels of Travel Insurance cover
We offer three levels of cover: Gold Plus, Gold and Traveller. The Traveller product is only available for Single Trip policies. This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
What does AllClear’s Travel Insurance cover?
Our Travel Insurance protects you against potential disruptions or unexpected events while you’re travelling the world.
What's covered?
Costs of tests, medications, and procedures needed to treat an illness or injury while travelling. You’ll also be covered for repatriation to bring you safely back home.
Cover for flight and accommodation costs if an unexpected event means you have to cancel your trip before you go.
Cover for emergencies that force you to return home early.
Compensation for extra costs if your flight is delayed.
Insures your baggage and its contents against loss or theft.
Cover for legal costs to claim compensation for incidents during your trip.
Our Seniors Travel Insurance policies have no upper age limit. We believe everyone deserves to enjoy a holiday with the right cover, regardless of age.
What’s not covered?
For most claims, you won’t be covered for the travel insurance excess (the first part of any claim).
Your cover is limited to trips within the designated region of cover you chose, whether that’s Australia or overseas.
Claims related to events or issues that you knew about before buying the travel insurance or before booking any individual trip are not covered.
You need to declare all your medical conditions. If not, we won’t be able to cover you for any unexpected treatment connected to known health concerns.
We know that plans change, but you’re only covered for cancellation if the reason is within the policy terms and conditions.
This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
Get your Travel Insurance quote
Travel with confidence
FAQs
Do you always need to declare your mental illness?
Yes, even if you no longer require treatment. However, please rest assured that during the Medical section of you quote, you will be able to accurately reflect your current health by answering a few short questions.
What if you need to declare more than one mental illness?
You can declare more than one mental illness. We recognise that mental illness is incredibly broad and varies in its symptoms and severities.
What happens if your state of health changes after buying your policy?
If you need any unexpected medical treatment while you are abroad, for a new or pre-existing condition, you are entitled to the full benefits of cover.
If there is a change in your state of health before you travel, you must tell us at the earliest opportunity. To change your original medical declaration, please contact us and we’ll be happy to make any adjustments.
You should also note that in some instances an additional premium may be applied to your policy to keep your cover in place.
Is your travelling partner covered for cancellation if you need to come home early?
We’re pleased to say that any other travelling member listed on your policy is covered for cancellation if you need to come home early.
How is your premium calculated?
Your premium is primarily based upon your destination, trip duration, age and pre-existing medical conditions. Importantly, the level of benefits being offered to you as well. That’s why we offer a wide range of policies to suit your needs. What’s more, we are continually reviewing and analysing all of our claims data to ensure the premiums we offer are fair and accurate.
Tips when travelling with a mental illness
- If you need any support while overseas, tell people about your medical condition. Mental illness is more prevalent than you might think, for example, 45% of 16-85 year olds in Australia will experience a mental disorder in their life time. Don’t forget your Medical Emergency Assistance Team is available 24 hours a day – 7 days a week, whenever you need them.
- Avoid triggers by planning ahead.
- Are you unsure of your diagnosis? Make sure you check with your doctor before getting your travel insurance – it is vital that your mental illness is listed correctly.
- Embrace your travel experience! Many studies have confirmed travel can benefit our mental health. A study by Cornell University even discovered that we get more happiness from anticipating a travel experience than buying a new possession. Get your mental illness travel insurance in place early, so that you can focus on having the best trip!
Being covered is as easy as 1, 2, 3
Get your quote in seconds
Provide your personal details and information about your holiday plans
Select and tailor your cover
Now all you need to do is to choose the level of cover that best suits your needs
Buy your cover and relax
Purchase your cover and you’re ready to go – we’ll take care of the rest!
We’re here to help
Emergency assistance 24/7
Find out what to do if you need emergency medical assistance when on holiday.
Need to make a claim?
Find out what to do if you need to make a claim under your Travel Insurance policy.
Product Disclosure Statement
Find out all the cover details of the different policies.