Updated September 28, 2026 · AssureCue Editorial Team
AllClear Travel vs Cover-More NZ
What sets them apart
| Compare |  AllClear Travel |  Cover-More NZ |
|---|---|---|
| Provider type | Broker | Insurer |
| Cover limit | £10,000,000 emergency medical and repatriation (Gold); £15,000,000 (Gold Plus); unlimited (Platinum) | International Basic: overseas medical $Unlimited, overseas emergency dental $3,000 |
| Claims channels | Phone, Online | Online, Phone, Email, PostCovers more |
| Age range | No maximum age limit | Up to 99 years old |
| Monthly payments | No | Not confirmed |
| Excess from | £250 | Not confirmed |
Same on both: Insurance types (Travel).
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Key differences
- Cover-More NZ scores higher overall: 9.1 vs 8.6.
- Founded is lower at AllClear Travel: 2000 vs 2007.
- AllClear Travel is licensed in 1 more country.
- AllClear Travel is available in 2 more countries.
- Claims channels: only Cover-More NZ offers Email, Post.
- Support channels: only AllClear Travel offers Chat.
- Support channels: only Cover-More NZ offers Email.
Our verdict on each
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.
Cover-More NZ
Cover-More (NZ) is a travel insurer for seniors based in New Zealand, and it covers travellers Up to 99 years old with unlimited overseas medical costs on its International Basic plan. Travel premiums sit at €8.37 across the site, so a quote is worth reading before you book.
Score breakdown
| Area | AllClear Travel | Cover-More NZ |
|---|---|---|
| Cost | 8.1 | Not confirmed |
| Offer | 8.6 | 9.0Higher |
| Trust | 8.9 | 9.2Higher |
What we checked
AllClear Travel
- allcleartravel.co.uk: 12 facts, checked September 26, 2026
Cover-More NZ
- covermore.co.nz: 10 facts, checked September 26, 2026
How they place
| Ranking | AllClear Travel | Cover-More NZ |
|---|---|---|
| Travel insurance | 265 of 295 | 27 of 295 |
Every fact side by side
| Fact | AllClear Travel | Cover-More NZ |
|---|---|---|
| Audience | Seniors | Seniors |
| Legal entity | IES Limited (Gibraltar 117274), administered by AllClear Insurance Services Limited (England 04255112) | Cover-More (NZ) Limited |
| Headquarters | United Kingdom | New Zealand |
| Founded | 2000Lower | 2007 |
| Support channels | Phone, Chat, Help centre | Phone, Email, Help centre |
Where each stands against the rest
| Fact | AllClear Travel | Cover-More NZ | Median |
|---|---|---|---|
| Excess from | £250highest quarter | Not confirmed | £25 |
Median across 49 listed insurance providers.
Pros and cons
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
Cover-More NZ
Pros
- Cover-More is an insurer, so the policy, the terms and the payout sit with the same company.
- Cover runs to Up to 99 years old, and seniors are the audience the brand is built around.
- Claims can be started online, phone and email, so a claim does not depend on a single route.
Cons
- Cover is limited to travel, so nothing else in the household can be placed with the same insurer.
- Pre-sale help runs on phone, email and help centre, so there is no live chat window in the mix.
- Travel premiums on the site spread €2.28 to €45.91, so two similar trips can price very differently.
Who each suits
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
Cover-More NZ
Who it suits
- Travellers in NZ who are seniors and prefer buying from the insurer itself.
- Anyone whose usual insurer age rules exclude them, since cover runs to Up to 99 years old.
- People who would rather start a claim by email or post than hold on the phone, since claims run on online, phone and email.
Who should look elsewhere
- Euroasia Insurance, whose auto, home and travel reach well past the travel-only travel Cover-More sells.
- Good Sam Insurance Agency, where auto, home and renters places travel beside home, life, health and pet policies.
- bonus.ch, whose auto, home and life puts travel alongside life, health, pet and motorcycle cover.
Current offers
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 | AllClear Travel | Cover-More NZ |
|---|---|---|
| Australia | Yes | No |
| Gibraltar | Yes | No |
| New Zealand | No | Yes |
| United Kingdom | Yes | No |
Questions about each
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.
Cover-More NZ
How much does travel cover from Cover-More (NZ) cost?+
Each trip is quoted on its own, so there is no fixed published rate. Across travel policies on the site the median starting price is €7.93, and the spread runs €2.28 to €45.91. Destination, length of stay and age all move the final figure.
Can older travellers buy cover from Cover-More (NZ)?+
Yes, and the age range is the standout point here. Cover is available Up to 99 years old, and seniors are the audience the brand writes for. The site shows senior travellers at 68.2% of the audience it serves, so older customers sit at the centre of the book.
Other options to compare
Other matchups
Related by the facts
- Explorer Travel Insurance, also regulated by Financial Conduct Authority
- Insurance providers with Travel
- Insurance providers available in Australia
- Avanti Travel Insurance, also regulated by Gibraltar Financial Services Commission
- Insurance providers available in United Kingdom
- Insurance providers available in New Zealand