Updated September 28, 2026 · AssureCue Editorial Team
AllClear Travel Insurance AU vs Allianz Assistance ES
What sets them apart
| Compare |  AllClear Travel Insurance AU |  Allianz Assistance ES |
|---|---|---|
| Insurance types | Travel | Travel, LandlordCovers more |
| Provider type | Broker | Insurer |
| Excess from | A$0 | €90 |
| Cover limit | Unlimited medical emergency expenses and repatriation (Gold Plus and Gold); $10,000 cancellation cover | Medical expenses abroad: up to 20,000 EUR (Bronze), 100,000 EUR (Silver), 500,000 EUR (Gold) |
| Claims channels | Online portal, Phone, Email, Post | Online, Email, Post |
| Premium from | Not confirmed | €1.50 |
| Age range | No upper age limit | Not confirmed |
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Key differences
- Allianz Assistance ES scores higher overall: 9.3 vs 9.2.
- Allianz Assistance ES is licensed in 1 more country.
- Allianz Assistance ES is available in 1 more country.
- Insurance types: only Allianz Assistance ES offers Landlord.
- Claims channels: only AllClear Travel Insurance AU offers Online portal, Phone.
- Claims channels: only Allianz Assistance ES offers Online.
Our verdict on each
AllClear Travel Insurance AU
Cover is arranged as a broker, so the policy contract sits with the underwriter, not the broker.
Allianz Assistance ES
Allianz Assistance ES suits people in Spain buying travel or landlord cover who want a named insurer behind the policy rather than a broker. Premiums start at €1.50 and support runs through phone, email and help centre, so help is easy to reach before a claim.
Score breakdown
| Area | AllClear Travel Insurance AU | Allianz Assistance ES |
|---|---|---|
| Cost | 9.6HigherCost rests on the excess, which starts at AUD 0, and on the limits attached to the Gold tier. | 9.2Entry premium is €1.50 with an excess from €90, both low beside the €8.37 site median for personal cover. |
| Offer | 9.0Higher | 8.9 |
| Trust | 8.9 | 9.6Higher |
Which one suits you
Pick AllClear Travel Insurance AU if cost matter most.
Pick Allianz Assistance ES if trust and insurance types matter most.
Availability and regulation
| Country | AllClear Travel Insurance AU | Allianz Assistance ES |
|---|---|---|
| Australia | Not confirmed | |
| France | Not confirmed | |
| Spain | Not confirmed |
Additional countries for AllClear Travel Insurance AU: 1. Additional countries for Allianz Assistance ES: 2.
How they place
| Ranking | AllClear Travel Insurance AU | Allianz Assistance ES |
|---|---|---|
| Travel insurance | 19 of 295 | 95 of 295 |
Where these facts come from
AllClear Travel Insurance AU
- allcleartravel.com.au: 11 facts, checked September 26, 2026
Allianz Assistance ES
- allianz-assistance.es: 9 facts, checked September 26, 2026
Every fact side by side
| Fact | AllClear Travel Insurance AU | Allianz Assistance ES |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Legal entity | AllClear Insurance Services Pty Ltd (ACN 165 270 066) | AWP P&C SA. Sucursal en España |
| Headquarters | Australia | Spain |
| Founded | 2000 | Not confirmed |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre |
Where each stands against the rest
| Fact | AllClear Travel Insurance AU | Allianz Assistance ES | Median |
|---|---|---|---|
| Premium from | Not confirmed | €1.50lowest quarter | €6.02 |
Median across 116 listed insurance providers.
Pros and cons
AllClear Travel Insurance AU
Pros
- Open age range: No upper age limit, on a brand built around seniors.
- Unlimited medical emergency and repatriation costs on Gold Plus and Gold policies.
- Claims can start through online portal, phone and email, giving a stranded traveller a phone route.
Cons
- The insurance types listed are travel, so there is no other line to bundle with a trip.
- It is a broker rather than the risk carrier, so the contract runs with the underwriter's licence.
- Pre-claim help runs on email, phone and help centre, with no live chat in the mix.
Allianz Assistance ES
Pros
- An insurer rather than a middleman, so the sale, the policy and the claim sit with AWP P&C SA. Sucursal en España
- Support runs on phone, email and help centre for policy questions before a claim
- Claims can be filed through online, email and post, which lists online, email and post
Cons
- travel and landlord lists travel and landlord only, narrower than auto, home and renters
- An excess from €90 is left with you on a claim
- The lowest travel tier sets the smallest medical expenses abroad limit under the cover limit fact, so a heavy treatment bill abroad rests with you
Who each suits
AllClear Travel Insurance AU
Who it suits
- Travellers past the usual age ceiling on standard trip cover, since the policy applies No upper age limit.
- Seniors who value unlimited medical and repatriation costs on Gold and Gold Plus.
- Travellers who would rather raise a claim by online portal, phone and email than sit on one waiting list.
Who should look elsewhere
- Anyone wanting motor, home or life cover in the same place: Good Sam Insurance Agency sells auto, home and renters.
- Travellers who want gadget cover next to the trip: EuroAsia Insurance lists auto, home and travel.
- Households adding pet or health cover to the same shop: bonus.ch covers auto, home and life.
Allianz Assistance ES
Who it suits
- Travellers buying cover in Spain who want help with medical costs abroad
- Landlords letting a property under travel and landlord
- Anyone who prefers an insurer that carries the risk itself
Who should look elsewhere
- Drivers and motorbike riders, since travel and landlord covers travel and landlord only and car cover sits elsewhere, such as Hiscox UK
- House occupiers shopping for buildings and contents cover, which Hiscox UK and Good Sam Insurance Agency list in home, renters and landlord and auto, home and renters
Country by country
| Country | AllClear Travel Insurance AU | Allianz Assistance ES |
|---|---|---|
| Australia | Yes | No |
| France | No | Yes |
| Spain | No | Yes |
Questions about each
AllClear Travel Insurance AU
What will a single-trip policy cost?+
A single-trip policy is quoted for the trip rather than sold at one set price, so the useful benchmark is the market. Premiums for travel cover across the site sit at €8.37, and the travel ranking median is €7.93. Get a quote for your dates, destinations and party before weighing the tiers.
Is AllClear an insurer or a broker?+
AllClear is a broker. The policy itself sits with the underwriter Europ Assistance Australia, which holds an Australian Securities and Investments Commission licence in Australia, AFSL 552106, and AllClear is its authorised representative under AR 1311154.
Allianz Assistance ES
What does a travel policy from Allianz Assistance ES start at?+
The opening premium is €1.50 for travel cover, which reads as a low entry point beside the €8.37 site median. The final price moves with the tier, the trip and the cover limit you pick, so treat that figure as the floor rather than the quote.
Is this brand an insurer or a broker?+
It is registered as an insurer under insurer, which means it carries the risk in its own name. You deal with one company for the sale, the policy and the claim, with no separate underwriter to trace.
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