What is the maximum trip duration?

The maximum trip duration depends on whether you have a single trip or an annual multi-trip policy.
Single trips can be covered for up to 12 months, as long as your trip does not exceed the number of days shown on your policy schedule.

Annual multi-trip policies have shorter limits per trip (usually 35–45 days) and a yearly cap of 183 days in total. Some levels may also offer an optional trip-length upgrade.

For AllClear Single trip policies:

• Your trip must start and end in your home country, and cover cannot begin after you have left your home country. 
• Single trip policies are not valid for trips longer than 12 months. 
• You are not covered for any part of a trip that is scheduled to last longer than the number of days shown on your policy schedule. 
• For all sections apart from Cancellation, cover applies for the duration of the booked trip, including travel from home to the departure point and back, for up to 36 hours each way.

For AllClear Annual Multi Trip policies:

The maximum duration of each individual trip and the total days away in the policy year are limited.

For all policies that include Annual Multi-Trip cover (Silver, Gold, Gold Plus, Platinum, where AMT is chosen):

• You are not covered for any trip that exceeds the maximum trip length allowed for your level of cover.
• Standard per-trip limits are:
  • Trips to USA, Canada, Mexico or the Caribbean:
    • Ages 0–70: up to 45 days per trip
    • Ages 71+: up to 35 days per trip
  • Trips to anywhere else in the world:
    • Any age: up to 45 days per trip 
• Across all your trips in one policy year, the maximum total number of days you can be covered for is 183 days. 
• For all sections apart from Cancellation, cover applies for the duration of each booked trip, including up to 36 hours’ travel each way between home and your departure point/return home. 

Annual Multi-Trip – extra trip-length upgrade (Gold, Gold Plus & Platinum only)

For Gold, Gold Plus and Platinum AMT policies only, you may be able to pay an extra premium to extend the maximum length of each trip:

• If you are aged 70 or under, you can extend your per-trip limit to 50 or 55 days for any destination.
• If you are aged 71 or over, you can extend your per-trip limit to 50 or 55 days, except for trips to the USA, Canada, Mexico or the Caribbean, where the limit remains 35 days per trip. 

Extra note on unexpected delays

For all policies:

• If unexpected events beyond your control (and covered by the policy) mean you cannot finish your holiday within the insured period, the insurer may extend your cover for up to 30 extra days at no charge, as long as you return home as soon as you reasonably can. 

This does not change the maximum trip duration you can plan in advance; it is an emergency extension only.