BIBA renews medical travel scheme for members with All Clear Insurance Services

18th February 2014

The British Insurance Brokers’ Association (BIBA) has renewed its medical travel scheme with AllClear Insurance Services for a further three years.

The scheme, exclusively available to BIBA members, complements BIBA’s existing travel insurance product and extends the offering to include cover for those with pre-existing medical conditions with no age exclusions for over 75’s on annual trips or over 85’s on single trips.

BIBA Medical Travel will allow BIBA members to provide travel insurance to people on existing hospital waiting lists and those still undergoing medical treatment, including chemotherapy.  It offers optional ‘Travelling Companion’ cover, providing others in the travelling party, not covered directly under the policy, cover if the medical condition of the insured forces them to also cancel their trip.

Steve Foulsham, BIBA’s Head of Technical Services, added:

“We are delighted to continue this important scheme which provides even greater value for members’ clients following the recently negotiated cover enhancements.

Recent enhancements to the scheme include increased cancellation limits for over 70’s, the removal of a £5,000 excess for non-declaration of pre-existing condition, a new destination region with a 25% base rate reduction and a 48 hour stopover period for a higher rated region without charge.

Garry Nelson, Group Head of Marketing, AllClear Insurance Services said that the business was clearly proud to have been re-appointed for a further three years: “With an ageing population, demand for this kind of cover has grown considerably, as evidenced by a proliferation of new providers.

“Given the increased competition, it is gratifying to see that AllClear, while being among the first to provide such services and a genuine thought-leader, is still the benchmark to which others aspire.”

AllClear was established in 2000 to provide cover for travellers who found difficulty in getting travel insurance due to their age or medical conditions. BIBA, responding to increasing demand from its members and customers, recognised the need to appoint a specialist travel insurance provider to augment their existing travel insurance product.

Garry added: “Having been trusted by BIBA to provide this important service since 2011,  we look forward to continuing our relationship for a further three years, delivering best-in-class insurance solutions for BIBA members and their customers irrespective of those customers’ ages or medical conditions.”



Notes to editors

1. For further information please contact:

BIBA press office:
Leighann Forsyth, Head of Communications
020 7397 0223 

2. About British Insurance Brokers' Association

The British Insurance Brokers' Association (BIBA) is the UK's leading general insurance intermediary organisation representing the interests of insurance brokers, intermediaries and their customers.

BIBA membership includes just under 2,000 regulated firms having merged with the Institute of Insurance Brokers (IIB) in November 2011.

General insurance brokers contribute 1% of GDP to the UK economy and BIBA brokers employ more than 100,000 staff.

53% of all general insurance is sold by an insurance broker and they arrange 81% of all commercial insurance business.

Insurance brokers put the client’s interests first, providing advice, access to suitable insurance protection and risk management.

BIBA helps more than 400,000 people a year to access insurance protection through it’s Find a Broker service, both online and via the telephone.

BIBA is the voice of the industry advising members, the regulators, consumer bodies and other stakeholders on key insurance issues.   BIBA provides unique schemes and facilities, technical advice, guidance on regulation and business support and is helping to raise, and maintain, industry standards.

3. About AllClear Travel           

AllClear Travel Insurance is a market leading independent specialist insurance company. Its travel insurance is designed for travellers irrespective of age or pre-existing medical condition. AllClear is the appointed provider for the BIBA Medical Travel Scheme.

Based in Romford, Essex, AllClear has its own call centre and full supporting services, currently handling over 250,000 calls a year. AllClear works with many leading UK Insurers, providing insurance, top-up cover and medical screening. It has a detailed database of people travelling with medical conditions and the owned data is used to assist in a bespoke validation of rating structures and a ‘Rate for Risk’ programme, which allows AllClear to offer premiums in line with the real risks. More information about AllClear can be found at and