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AllClear’s optional Travel Insurance extras let you add cover for specific activities, belongings and types of holiday to your policy. Depending on your chosen policy, you can select additional protection for trips such as cruises, skiing holidays and golf breaks.
AllClear also provides specialist Travel Insurance for pre-existing medical conditions, following medical screening and acceptance. Optional extras help you adapt that cover to your travel plans.
Holiday cover: Choose extras for your type of trip
Activity cover: Add protection for eligible sports and activities
Belongings cover: Select additional protection for eligible items
Available extras, cover limits and exclusions depend on your chosen policy.
What are optional extras for Travel Insurance?
Travel Insurance optional extras are additional types of cover that you can add to your policy. Your standard Travel Insurance already provides protection for many unexpected events. This can include emergency medical expenses, cancellation, curtailment and lost or stolen belongings.
However, some holidays involve activities or risks that need additional cover. For example, a cruise can involve circumstances you wouldn’t normally encounter on a traditional holiday, such as being confined to your cabin. A skiing holiday introduces different risks again. You might need protection for your equipment or piste closure.
Optional extras let you tailor your Travel Insurance to what you’re actually planning to do. You pay an additional premium for the extras you choose. The cover, limits and exclusions will depend on your policy and selected options, so always check your Policy Wording.
What optional extras can you add to AllClear Travel Insurance?
The right optional extras depend on where you’re going and what you’ll be doing. AllClear offers optional cover for different types of trips and activities.
You can choose from the following optional extras:
Cruise Travel Insurance
Setting sail? Add protection for cruise-specific events, including cabin confinement and missed departures.
Golf Travel Insurance
Heading for the fairway? Golf Cover provides additional protection for lost golf equipment and unused Green Fees.
Gadget Cover
Taking your tech along? Add protection for eligible phones, tablets, cameras and other electronic devices on holiday.
Natural Disaster
Unexpected natural events can disrupt your holiday. Add protection for certain events and circumstances covered by your policy.
Companion Cover
Companion Cover provides additional protection for an eligible travelling companion if your circumstances affect your plans.
Excess Waiver
One less cost when you claim. An Excess Waiver removes the standard excess you’d usually pay towards eligible claims.
Why add optional extras to your Travel Insurance?
Optional extras help you shape your Travel Insurance around the holiday you’re actually taking. Standard Travel Insurance can protect you against many common travel problems, but it won’t necessarily include every activity, belonging or situation.
For example, you might need additional protection because:
- You’re going on a cruise
- You’re taking valuable gadgets with you
- Golf is an important part of your holiday
- You want to remove the standard excess on eligible claims
- You want additional protection against certain natural disasters
You don’t need to add every extra. Instead, think about what you’re doing on holiday and what matters most to you. Then check what’s already included in your Travel Insurance and choose any additional cover you need.
How much do Travel Insurance optional extras cost?
There isn’t one price for Travel Insurance optional extras. The amount you’ll pay depends on the optional add-on you choose and the policy you’re buying. Your overall Travel Insurance premium can also depend on factors such as:
- Your age
- Where you’re travelling
- How long you’re going for
- Your pre-existing medical conditions
- The type of Travel Insurance you choose
- The activities you’re planning
- The optional extras you add
You’ll see the price of the options available to you as part of your quote. But price isn’t the only thing to consider. Check what each extra actually provides, including its limits and exclusions, so you can decide whether it’s right for your holiday.
Can you add optional extras after buying Travel Insurance?
Holiday plans can change. You might book your Travel Insurance first and decide later that you want to play golf, bring a companion, or add something else to your itinerary. If your plans do change after you’ve bought your policy, contact us to update your cover.
Don’t assume a new activity or situation is automatically included in your existing Travel Insurance. Check your cover before you travel or take part. That way, you’ll know what protection you have before your holiday begins.
Optional extras and pre-existing medical conditions
Optional extras don’t replace the medical protection provided by your Travel Insurance.
At AllClear, we specialise in Travel Insurance for pre-existing medical conditions. You’ll need to declare the medical conditions we ask about when getting your quote so we can offer cover based on your circumstances.
You can then think about the holiday you’re taking.
Perhaps you’re living with a medical condition and heading on a cruise. Or maybe you’re taking your golf clubs on a long-awaited golfing holiday. Your Travel Insurance can consider your medical needs, while optional extras can provide additional protection for specific parts of your trip.
It’s about choosing cover that reflects you and your holiday.
How do you add optional extras to your AllClear Travel Insurance?
1. Tell us about your trip
Start your quote and tell us about yourself and your travel plans. We’ll ask for information such as where you’re going and how long you’ll be away.
2. Complete your medical screening
You’ll need to declare your pre-existing medical conditions and answer our medical screening questions.
This helps us understand your circumstances and offer the right Travel Insurance for the information you’ve given us.
3. Choose your cover
Review the options available to you and choose the policy that suits your needs. You can then consider the optional extras available and select the additional protection that’s relevant to your holiday.
Check the limits, exclusions and terms before you buy. Then you’re ready to start looking forward to your trip.
Travel Insurance Optional Extras FAQs
Optional extras can be useful when your standard policy doesn’t provide all the protection you want for your particular trip.
For example, you might want extra protection because you’re taking expensive gadgets or heading on a cruise. Check what’s already included in your policy first, then decide whether adding extra cover is right for you.
You shouldn’t assume every event caused by a natural disaster is automatically included in standard Travel Insurance.
AllClear’s Natural Disaster Cover is an optional extra designed to provide additional protection for certain circumstances involving natural events. Check your Policy Wording carefully to understand which events are covered, as well as the limits and exclusions that apply.
If you’re going on a cruise, it’s important to check whether your Travel Insurance provides the cruise-specific protection you need.
Cruise Cover can provide additional protection for certain situations that are particular to cruising, such as cabin confinement and missed departures. This means you can set sail with extra peace of mind, knowing you have cover designed with cruise holidays in mind.
Your Travel Insurance may already provide some protection for personal belongings, but limits and exclusions can apply.
If you’re taking valuable electronic devices, Gadget Cover can provide additional protection for eligible gadgets. Check the individual item limits and which devices are included to make sure the cover meets your needs.
An excess is the amount you’re normally responsible for paying towards an eligible insurance claim.
An Excess Waiver can remove the standard excess you would otherwise need to pay on an eligible claim. The terms can vary, so check your Policy Wording to understand exactly when the waiver applies.
Letitia is a Travel Insurance expert with more than 20 years experience in science and medical communication and helping people find specialist insurance. As Head of Communications at AllClear, she brings in-depth knowledge on medical cover. Letitia cares about supporting people with medical conditions to travel with confidence.
Our content is created and reviewed by a dedicated team of experts
^ Based on UK companies in the 'insurance' category on Trustpilot, as of July 2025. AllClear Gold, Gold Plus and Platinum policies achieved Which? Best buy. AllClear Gold Plus and Platinum has been 5 Star rated by Defaqto.
