Updated September 29, 2026 · AssureCue Editorial Team
AllClear Travel Insurance AU vs Auras
Where AllClear Travel Insurance AU and Auras differ
| Compare |  AllClear Travel Insurance AU |  Auras |
|---|---|---|
| Insurance types | Travel | Travel, Motorcycle, PetCovers more |
| Provider type | Broker | Insurer |
| Excess from | A$0 | $100 |
| Cover limit | Unlimited medical emergency expenses and repatriation (Gold Plus and Gold); $10,000 cancellation cover | 35,000 - 1,000,000 USD travel medical cover |
| Claims channels | Online portal, Phone, Email, Post | Phone, Email, Messenger, Online claim form |
| Age range | No upper age limit | 1 to 100 years |
| Premium from | Not confirmed | $1.50 |
| Monthly payments | Not confirmed | Yes |
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Key differences
- AllClear Travel Insurance AU scores higher overall: 9.2 vs 9.0.
- Founded is lower at AllClear Travel Insurance AU: 2000 vs 2023.
- Insurance types: only Auras offers Motorcycle, Pet.
- Claims channels: only AllClear Travel Insurance AU offers Online portal, Post.
- Claims channels: only Auras offers Messenger, Online claim form.
- Support channels: only AllClear Travel Insurance AU offers Help centre.
- Support channels: only Auras offers Chat.
- Audience: only Auras offers Expats.
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.
Auras
Auras is a young insurer writing travel, motorcycle and pet cover on monthly payments, which suits expats and seniors who want policies that start cheap. Premiums run from $1.50 against a site median of €8.37, and its licence is held in the Union of Comoros, far from many readers' markets.
Score breakdown
| Area | AllClear Travel Insurance AU | Auras |
|---|---|---|
| Cost | 9.6HigherCost rests on the excess, which starts at AUD 0, and on the limits attached to the Gold tier. | 9.2The monthly model caps the first outlay, but the $100 excess means a small claim still costs money up front. |
| Offer | 9.0 | 9.2Higher |
| Trust | 8.9Higher | 8.8 |
Positions in our rankings
| Ranking | AllClear Travel Insurance AU | Auras |
|---|---|---|
| Travel insurance | 19 of 295 | 177 of 295 |
Which one suits you
Pick AllClear Travel Insurance AU if cost matter most.
Pick Auras if insurance types matter most.
Every fact side by side
| Fact | AllClear Travel Insurance AU | Auras |
|---|---|---|
| Audience | Seniors | Expats, SeniorsCovers more |
| Pricing model | Not confirmed | Monthly |
| Legal entity | AllClear Insurance Services Pty Ltd (ACN 165 270 066) | IC "Auras Insurance" LLC |
| Headquarters | Australia | Comoros |
| Founded | 2000Lower | 2023 |
| Support channels | Email, Phone, Help centre | Email, Phone, Chat |
Where each stands against the rest
| Fact | AllClear Travel Insurance AU | Auras | Median |
|---|---|---|---|
| Premium from | Not confirmed | $1.50lowest quarter | $16.09 |
Median across 61 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.
Auras
Pros
- Travel medical cover runs to 35,000 - 1,000,000 USD travel medical cover.
- Claims can be opened by phone, email and messenger.
- The named audience is expats and seniors, listed under expats and seniors.
Cons
- The excess starts at $100, so a small claim still leaves money out of your own pocket.
- Cover stops at travel, motorcycle and pet, with no auto, home or life lines.
- The licence sits with the Union of Comoros under L16330/AI, and the head office is in Comoros.
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.
Auras
Who it suits
- Travellers buying at short notice who want medical cover up to 35,000 - 1,000,000 USD travel medical cover on a policy starting at $1.50.
- Motorcycle and pet owners who would rather pay monthly than settle a bill in one go.
- Older adults and expats, the audiences named under expats and seniors, whose age range is 1 to 100 years.
Who should look elsewhere
- Anyone after auto, home, life or health cover, since Good Sam Insurance Agency lists auto, home and renters.
- Readers benchmarking against a far higher entry point, such as EuroAsia Insurance at UZS 60,000.
- Anyone treating a banking app figure as insurance pricing, since bunq's €0 covers a different product.
Country by country
| Country | AllClear Travel Insurance AU | Auras |
|---|---|---|
| Australia | Yes | No |
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.
Auras
How much does Auras cost?+
Travel cover starts at $1.50, against a site median of €8.37. Motorcycle and pet policies use the same model, so that figure is an entry price rather than what everyone pays. Set the $100 excess against the cover you need before you decide.
Can I pay monthly?+
Monthly payments are available, and monthly is the only payment model listed under monthly. That suits a traveller buying cover shortly before departure, and it spreads the cost of a pet or motorcycle policy across the months you keep it.