Updated September 28, 2026 · AssureCue Editorial Team
1Cover vs AllClear Travel
1Cover vs AllClear Travel: the differences
| Compare |  1Cover |  AllClear Travel |
|---|---|---|
| Provider type | Insurer | Broker |
| Cover limit | unlimited overseas emergency medical and hospital expenses | £10,000,000 emergency medical and repatriation (Gold); £15,000,000 (Gold Plus); unlimited (Platinum) |
| Claims channels | Online claim form, Phone, 24/7 emergency assistance line | Phone, Online |
| Age range | no age limit on comprehensive policies; 69 and under for medical only, frequent traveller and already overseas | No maximum age limit |
| Monthly payments | Not confirmed | No |
| Excess from | Not confirmed | £250 |
Same on both: Insurance types (Travel).
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Key differences
- 1Cover scores higher overall: 9.3 vs 8.6.
- AllClear Travel is licensed in 1 more country.
- AllClear Travel is available in 2 more countries.
- Claims channels: only 1Cover offers Online claim form, 24/7 emergency assistance line.
- Claims channels: only AllClear Travel offers Online.
Our verdict on each
1Cover
1Cover is a travel insurer for travellers who want no ceiling on overseas hospital costs and help day and night once something goes wrong. It suits Australian shoppers comparing travel policies on medical cover and claim handling rather than on bundled household extras.
AllClear Travel
AllClear Travel suits older UK travellers and anyone taking annual multi-trip cover, and it is a broker selling travel only. Cover carries No maximum age limit, excesses start at £250, and emergency medical and repatriation limits run from the Gold tier to unlimited cover on Platinum.
Score breakdown
| Area | 1Cover | AllClear Travel |
|---|---|---|
| Cost | Not confirmed | 8.1 |
| Offer | 8.8Higher | 8.6 |
| Trust | 9.6Higher | 8.9 |
Availability and regulation
| Country | 1Cover | AllClear Travel |
|---|---|---|
| Australia | Not confirmed | |
| Gibraltar | Not confirmed | |
| United Kingdom | Not confirmed | Financial Conduct Authority 311244 |
Available in 1 country for both. Additional countries for AllClear Travel: 2.
How they place
| Ranking | 1Cover | AllClear Travel |
|---|---|---|
| Travel insurance | 94 of 295 | 265 of 295 |
Every fact side by side
| Fact | 1Cover | AllClear Travel |
|---|---|---|
| Audience | Seniors | Seniors |
| Legal entity | 1Cover Pty Ltd | IES Limited (Gibraltar 117274), administered by AllClear Insurance Services Limited (England 04255112) |
| Headquarters | Australia | United Kingdom |
| Founded | Not confirmed | 2000 |
| Support channels | Phone, Chat, Help centre | Phone, Chat, Help centre |
Where each stands against the rest
| Fact | 1Cover | AllClear Travel | Median |
|---|---|---|---|
| Excess from | Not confirmed | £250highest quarter | £25 |
Median across 49 listed insurance providers.
Pros and cons
1Cover
Pros
- Overseas emergency medical and hospital expenses are unlimited overseas emergency medical and hospital expenses
- Help runs on phone, chat and help centre, with a online claim form, phone and 24/7 emergency assistance line route for urgent cases
- One category only, travel, so quotes stay quick to compare
Cons
- travel is the only category sold, so there is no bundle to price against
- Support runs on phone, chat and help centre, with no email channel listed
- The contract is with 1Cover Pty Ltd in AU rather than a global brand
AllClear Travel
Pros
- Cover carries No maximum age limit, so age does not shut out older travellers
- Annual multi-trip cover is the core product, and monthly payments are no
- Support runs on phone, chat and help centre, and claims start by phone and online
Cons
- Excess starts at £250, so smaller claims can still leave you paying
- Support runs on phone, chat and help centre only, with chat and a help centre rather than a counter
- As a broker selling travel only, other cover sits with other providers
Who each suits
1Cover
Who it suits
- Travellers whose main worry is a large overseas hospital bill
- Older travellers planning a trip and wanting help on online claim form, phone and 24/7 emergency assistance line
- Shoppers who prefer a direct insurer rather than a broker
Who should look elsewhere
- Household policies, since 1Cover sells travel only
- Anyone wanting travel bundled with home or motor cover
- Readers who want an email thread, as phone, chat and help centre lists no email
AllClear Travel
Who it suits
- Older travellers and seniors, the stated seniors for this travel policy
- Frequent flyers who take several trips a year on a single annual multi-trip policy
- Travellers wanting high emergency medical limits and a low starting excess
Who should look elsewhere
- Anyone who needs to pay in instalments, since monthly payments are no on this policy
- Travellers wanting home or motor cover: Good Sam Insurance Agency lists auto, home and renters
- Travellers who need unlimited cover but would rather sit below the highest tier
Current offers
1Cover
Current offer
Discount code
11% Off Travel Insurance (Spring 2026): 11% off
T&C's apply
Source, checked September 26, 2026
AllClear Travel
Current offer
Discount code
Summer Sale 26 discount on AllClear travel insurance
Discount automatically applied, base premium only, not on premium for medical conditions or optional extras, cannot be used with any other offer, ends 23:59 on 28/09/26
Source, checked September 26, 2026
Country by country
| Country | 1Cover | AllClear Travel |
|---|---|---|
| Gibraltar | No | Yes |
| United Kingdom | No | Yes |
| Australia | Yes | Yes |
Questions about each
1Cover
How much does a 1Cover travel policy cost?+
No premium figure for 1Cover appears in these records, so the price depends on the trip details you enter and the plan you choose. Travel is quoted per policy rather than published as one rate, and cover levels change the figure. Ask for the quote in writing before you travel so the wording matches what you paid for.
Is 1Cover the insurer or a broker?+
1Cover is a insurer, so the cover is underwritten by the company you deal with directly rather than handed to an unnamed underwriter. The legal entity named on the policy is 1Cover Pty Ltd. Your claim sits with the same firm that sold it to you, which keeps the chain short.
AllClear Travel
What does an AllClear Travel policy cost?+
Across the site the premium median is €8.37, with a lower quartile of €2.92 and an upper quartile of €29.72, and the highest quotes reach €3,431.08. Tiers run Gold, Gold Plus and Platinum, and the higher tiers carry higher limits.
Is there an age limit on the cover?+
Cover carries No maximum age limit, so age alone rules nobody out, and the policy is aimed at seniors. It is built for adults of any age, and older travellers are a stated part of the audience.
Other options to compare
Other matchups
Related by the facts
- Fast Cover Travel Insurance, also regulated by Australian Securities and Investments Commission (AFSL)
- Insurance providers with Travel
- Insurance providers available in Australia
- Explorer Travel Insurance, also regulated by Financial Conduct Authority
- Insurance providers available in United Kingdom
- Avanti Travel Insurance, also regulated by Gibraltar Financial Services Commission