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Ireland Travel Insurance

Travel insurance for ireland.

Known for its lush green countryside, ancient castles, and lively traditions, Ireland captivates the hearts of visitors from around the world. Whether you're exploring the vibrant streets of Dublin or marveling at the dramatic Cliffs of Moher, Ireland promises a journey filled with unforgettable experiences. As you embark on your Irish adventure, you must be well-prepared for any unforeseen events. That's where travel insurance comes into play, offering coverage throughout your travels. In this guide, we'll walk you through the ins and outs of travel insurance for Ireland, helping you explore the Emerald Isle with confidence.

  • What should your Travel insurance cover for a trip to Ireland? 

How does Travel Insurance for Ireland work?

  • Do I need Travel Insurance for Ireland? 
  • How much does Travel Insurance cost for Ireland? 

Our Suggested AXA Travel Protection Plan

  • What types of medical coverage does AXA Travel Protection plans offer?
  • Are There Any COVID-19 Restrictions for Travelers to Ireland?
  • Traveling with pre-existing Medical Conditions? 

What should your Travel Insurance cover for a trip to Ireland?

At a minimum, your travel insurance to Ireland should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State  outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

  • Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
  • Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
  • Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
  • Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
  • Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Ireland.

Imagine you've planned an exciting journey to Ireland, ready to explore the historic sites and savor the scenic beauty. On the day of your departure, however, you receive news of unexpected severe weather conditions affecting your connecting flight. The airport announces a significant delay, leaving you stranded and unsure about the next steps. Here's where the "Trip Delay" benefit comes to your rescue. With this coverage, you can rest assured that your additional expenses, such as meals and accommodations during the unforeseen delay, are taken care of. In times of escalating challenges, AXA stands ready to assist you in devising a strategic course of action. Here’s how travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits: 

  • Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
  • Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
  • Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

  • Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
  • COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
  • Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 
  • Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Baggage Benefits: 

  • Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
  • Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Additional Optional Travel Benefits:

  • Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
  • Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
  • Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
  • Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I need Travel Insurance for Ireland?

 You don't have to get travel insurance for an Irish visa, but it's a good idea to follow the official advice and get yourself covered.  Here are several reasons why securing travel insurance for Ireland is recommended:

Medical Emergencies: While Ireland offers free healthcare to EU and UK residents, travelers from other regions may face substantial medical expenses in case of illness or injury. Having coverage for emergency medical expenses becomes essential so you can receive necessary medical care without worrying about hefty bills.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

Trip Delays: Given Ireland's unpredictable weather conditions, having coverage for unexpected delays can be particularly relevant. Whether it's due to adverse weather affecting flights or other unforeseen circumstances, this benefit may cover additional expenses for meals and accommodations incurred while you wait for your flight.

How much does Travel Insurance cost for Ireland?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:

With AXA Travel Protection, travelers to Ireland will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Ireland hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.

The Platinum Plan is your go-to choice if you're looking for extra coverage for Ireland’s experience. " Cancel for Any Reason " offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring Ireland's stunning landscapes in a rental car. The "Loss Golf Days" benefit offered by the Platinum Plan is particularly beneficial for travelers visiting Ireland, a country renowned for its world-class golf courses. In the event of unexpected closures impacting your prepaid golf plans, this optional coverage offers reimbursement, allowing your golfing experience to remain pleasurable despite unforeseen disruptions.

What types of medical coverage do AXA Travel Protection plans offer?

AXA covers three types of medical expenses:

  • Emergency Medical
  • Emergency evacuation & repatriation
  • Non-medical emergency evacuation & repatriation

Emergency medical: Covers unforeseen events such as fractures, burns, sudden illnesses, and allergic reactions.

Emergency evacuation and repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness.

Non-medical emergency evacuation and repatriation:  Assists in situations requiring immediate departure from a destination due to non-medical incidents. These events may include natural disasters or civil unrest, and the coverage provides support for evacuation.

Are there any COVID-19 restrictions for travelers to Ireland?

As of March 2022, all COVID-19 travel restrictions have been lifted. There is no requirement to fill out a passenger locator form, provide proof of vaccination or recovery, or undergo a COVID-19 test.

Traveling with pre-existing Medical Conditions?

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.   Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, 

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plan with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation.

1. Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2. When should I buy Travel Insurance for Ireland?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3. Do Americans need travel insurance in Ireland?

Travel insurance is not mandatory for U.S. visitors to Ireland. However, having coverage for medical emergencies, trip cancellations, and rental cars can protect you from financial losses due to unforeseen circumstances and costly medical expenses.

4. What is needed to visit Ireland from the USA?

To enter Ireland, a valid passport is required. U.S. citizens can enjoy visa-free entry for tourism or business stays lasting up to 90 days. While there is no specific minimum passport validity requirement, it is advisable to possess a passport valid for the entire duration of your stay. Additionally, it is recommended to have evidence of ample funds to support your stay and a return airline ticket.

5. What happens if a tourist gets sick in Ireland?

If you become sick in Ireland, travelers with AXA Travel protection can contact the AXA Assistance at  855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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Top Travel Insurances for Ireland You Should Know in 2024

Byron Mühlberg, writer at Monito.com

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Ireland stands out for being steeped in history, home to stunning landscapes, and the host to a unique cultural heritage with traditional music and dance. What's more, it's also renowned among tourists for its legendary pubs and whiskeys! Although travelling to Ireland can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Ireland and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Ireland Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Ireland:

Best Travel Insurances for Ireland

  • 01. Should I get travel insurance for Ireland? scroll down
  • 02. Best medical coverage: VisitorsCoverage scroll down
  • 03. Best trip insurance: Insured Nomads scroll down
  • 04. Best mix for youth and digitial nomads: SafetyWing scroll down
  • 05. FAQ about travel insurance to Ireland scroll down

Heading to Ireland soon? Don't forget to check the following list before you travel:

  • 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
  • 🛂 Need a visa? Let iVisa take care of it for you.
  • ✈ Looking for flights? Compare on Skyscanner !
  • 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
  • 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Ireland?

No, there's currently no legal requirement to take out travel insurance for travel to or through Ireland.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Ireland or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Ireland:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Ireland. It lets you choose between various plans tailored to meet the specific needs of your trip to Ireland, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

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  • Coverage 9.0
  • Quality of Service 9.0
  • Pricing 7.6
  • Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Ireland:

  • Policy names: Varies
  • Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
  • Trip coverage: Excellent - but only available for US residents.
  • Customer support: FAQ, live chat and phone support
  • Pricing range: USD 25 to USD 150 /traveller /month
  • Insurance underwriter: Lloyd's, Petersen, and others
  • Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

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  • Coverage 7.8
  • Quality of Service 8.5
  • Pricing 7.4
  • Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

  • Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
  • Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
  • Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
  • Customer support: FAQ, live chat, phone support
  • Pricing range: USD 80 to USD 420 /traveller /month
  • Insurance underwriter: David Shield Insurance Company Ltd.
  • Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

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  • Coverage 7.0
  • Quality of Service 8.0
  • Pricing 6.3
  • Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

  • Policy names: Nomad Insurance, Remote Health
  • Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
  • Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
  • Pricing range: USD 45 to USD 160 /traveller /month
  • Insurance underwriter: Tokyo Marine HCC
  • Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Ireland? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Ireland

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Ireland. However, we strongly encourage you to do so anyway, because the cost of healthcare in Ireland can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

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Ireland Travel Insurance

Ireland Travel Insurance

If you are planning a trip to Ireland you may highly benefit from our Ireland Travel Insurance.

 What is Travel Insurance?

Travel  insurance is  a  type  of insurance that covers the costs and  losses  associated with traveling. It is a plan you purchase that protects you from certain financial risks that can occur while traveling, such as a delayed suitcase, a trip cancellation, or a medical emergency overseas. Helps travelers deal with various contingencies that can occur during their trips.

The Significance of Travel Insurance

This insurance is significant because it offers travelers peace of mind and financial protection. It ensures that they are not burdened with exorbitant costs in case of unexpected incidents such as medical emergencies, trip cancellations, lost luggage, or other unforeseen events during their travels.

Benefits of Comprehensive Coverage

Comprehensive coverage is more than just protection; it's your ticket to peace of mind. It goes beyond addressing health risks and travel disruptions; it empowers you to immerse yourself in the Honduran experience fully.

best places to visit in ireland

Grafton street, dublin.

Dublin is the capital and largest city of Ireland and is situated on a bay on the east coast, at the mouth of the River Liffey.

Grafton Street is not only a great place to shop in Dublin but is also alive with buskers, flower-sellers, and performance artists. Café culture has taken off in the capital, and on a sunny day here, you’d think you are in Barcelona or Lisbon. You’ll find friendly, chatty service no matter where you go and be entertained from the bottom of the street to St. Stephen’s Green at the top. Grab a coffee or, in the mornings, a legendary Irish breakfast at Bewley’s Grafton Street Café. Make sure you also save some time to walk along the numerous alleyways and streets to see what you can discover.

Ireland Travel Insurance

The  Ring of Kerry is a 179-kilometer-long circular tourist route in County Kerry, south-western Ireland, and arguably Ireland’s most scenic route.

Most people tend to start out from either Kenmare or Killarney and end up, naturally enough, back in the same spot. The entire journey non-stop could take under three hours, but that’s unlikely to happen. En route, there’s a feast of jaw-dropping Atlantic Ocean views, stunning islands to visit, wild sweeping mountains, and many picturesque villages. This area of exceptional natural beauty boasts a range of outdoor pursuits including golf, water sports on pristine beaches, cycling, walking, horse-riding, terrific freshwater fishing, and deep-sea angling.

Ireland Travel Insurance

Continents:

Ireland Travel Insurance

The European continent is located completely in the northern hemisphere and mainly in the eastern hemisphere. Europe borders onto the Arctic Ocean in the North, the Atlantic Ocean in the west and the Mediterranean Sea in the South. There are 50 countries in Europe with a total of more than 748 million people living on the continent in 2021.

Ireland Travel Insurance

There are 49 countries in Asia according to the UN. The 10 biggest countries are listed in the right column of this page. Two of the Asian countries, Russia and Turkey, also share part of their territory on the European continent. Additionally there are two countries that only have limited international recognition: State of Palestine and Republic of China/Taiwan and some dependencies. Asia is the most populous continent with more than 4.7 billion people living there. (2022)

Ireland Travel Insurance

There are 54 countries in Africa – and 9 dependent territories. More than 1.3 billion people live on the African continent. This means about 15% of the world’s total population live in Africa! Even though Nigeria is only a third of the size of Algeria, it is the most populous country in Africa, with more than 219 million people.

Ireland Travel Insurance

NORTH AMERICA

Ireland Travel Insurance

Oceania is in a continental group consisting of 14 countries and includes Pacific islands and Australia. Often Australia is named as a continent, but this means that the many islands and countries except Australia would then be not included. Oceania in fact is mostly ocean and spans a vast area as you can see below.

MULTI-TRIP TRAVEL INSURANCE

Annual multi-trip travel insurance could cover you for an entire year. However, there is a limit to the number of days you could travel consecutively, which is usually 15 to 92 days.

GROUP TRAVEL INSURANCE

Obtain travel quotes for groups. We can search the market-place for the quotes that match your firm’s needs.

By definition, travel insurance offers cover for accidents or mishaps when you’re abroad, usually for a short period of time. Most travel insurances, include medical cover. Additionally, some offer cover for lost baggage or flight cancellations.

We offer travel insurance to citizens around the world. You can get instant online travel insurance quotes and receive your travel health insurance policy confirmation via email.

Whether it’s a beach holiday with the family, a business trip, or a training trip away, at SoEasy international travel Insurance, you can buy the best single trip travel medical insurance and multi-trip travel medical insurance online.

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1. countries of europe, 2. countries of asia, 3. countries of africa, 4. countries of north america, 5. countries of south america, 6. countries of australia and oceania.

Ireland Travel Insurance

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*20% online discount automatically applied to all new business AIG Direct Travel Insurance quotes.

Important Notice:  Please be advised that the military conflict between Russia and Ukraine may impact travel insurance coverages and benefits, and AIG’s ability to provide certain travel-related assistance services, for travel to, from or within Ukraine, Belarus or Russia.

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Discover The Benefits of AIG Travel Insurance

Annual multi trip travel insurance starting from €2.28 per month[ 4 ]..

With all our travel insurance policies you will also get a wide range of benefits as listed below and in our  product information document .

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Quick Claims Process

Our claims process is designed to be quick and hassle-free, so you can get back to enjoying your travels as soon as possible.

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  • Flexible Cover Options

Choose from a range of plans to fit your specific needs and budget, whether you're traveling solo or with family and friends.

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We provide coverage for trips all around the world, so you can travel with peace of mind no matter where you go.

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Our knowledgeable and friendly customer service team is always available to assist you, whenever you need it

Choose the Best Travel Insurance Policy For You

Pick up a travel policy and explore more with our fantastic cover that provides a range of benefits with a 20% online discount[ 1 ]. If you have private medical insurance that has overseas medical cover, you could save even more with a 25% discount on your travel cover.[ 2 ]

Single Trip Insurance

Single Trip Travel Insurance

Take a long weekend away from €6.44 per trip [ 3 ], you can get budget holiday insurance that's quick, simple and cost effective for short term trips up to 120 days.

Annual Multi-Trip Holiday Insurance

Annual Multi Trip Travel Insurance 

From only €2.82 per month (€33.89 per year) [ 4 ], travel around Europe as much as you like for up to 12 months, with 17 days of our winter sports or skiing cover free.

Long Stay Insurance

Long Stay Travel Insurance

If you're in it for the long haul, more than 3 months and up to 12 months, enjoy peace of mind with our Extended Stay travel insurance; perfect for globetrotters.

Winter Sports Insurance

Winter Sports Travel Insurance 

Make the most of winter and the various activities it offers with our Ski & Winter Sports cover.

Family Holiday Insurance

Family Travel Insurance 

Add up to 4 dependents at no extra charge, so you can go on and enjoy your family trip.

Backpacker Insurance

Backpacker Travel Insurance 

Get 24/7 emergency assistance as standard so you can span the globe with added piece of mind.

Golf Travel Insurance

Golf Travel Insurance

Enjoy the fairways around the globe with our excellent cover for Golfers.

Covid-19

Covid-19 Update

Find out what AIG Travel insurance provides cover for in relation to Covid-19.

[1]  20% online discount automatically applied to all new business AIG Direct Travel Insurance quotes. 

[2]  25% discount is subject to owning Private Medical Insurance that provides overseas medical cover for all insured persons for the duration of their time abroad.

[3]  Price of €6.44 is based on an individual buying online aged 18-54 holding Private Health Insurance which provides medical cover for the duration of their time abroad, travelling for 3 days (2 nights) on a European Budget policy. Example correct as of 21/11/2023. 

[4]  Price of €33.89 is based on an individual buying online aged 18-54 holding Private Health Insurance which provides medical cover for the duration of their time abroad on a European Budget policy. Example correct as of 21/11/2023. 

Coronavirus (Covid-19) Notice

Due to the widespread media reports of Coronavirus (Covid-19), and the World Health Organization (WHO) announcement declaring Covid-19 a pandemic, Covid-19 is a foreseen or known event. If you are purchasing a new policy, certain covers will not apply.   AIG Travel insurance provides cover for the following Covid-19 related events:

a)  for trip cancellation  (Section A of the policy document attached) if  1)  an Insured Person,  2)  a person who an Insured Person has booked to travel with  3)  a relative or friend living abroad who an Insured Person had planned to stay with or  4)  a Business Associate has a  confirmed and documented diagnosis of COVID-19*  at the time of departure which prevents the Insured Person from travelling.

b) for medical expenses  (Section B of the policy document) and  cutting your trip short  (Section C of the policy document) coverage if an Insured Person has a  confirmed and documented diagnosis of COVID-19*  whilst on a covered trip to a country that the Department of Foreign Affairs (DFA) has allocated a security status of Normal Precautions or High Degree of Caution to.

Please note that travel to a country that the Department of Foreign Affairs (DFA) has allocated a security status of Avoid Non-Essential Travel or Do Not Travel to is excluded by our policy.

All other Covid-19 related claims are excluded. We encourage AIG travel policyholders to please refer to their  policy wording  for full details or get in touch with us on 1800 344 455 with any further queries. All claims submitted will be assessed in line with the terms, conditions and exclusions clearly detailed in the policy wording.

*Confirmed and documented diagnosis of COVID-19  means a positive PCR or antigen test which has been conducted by a trained clinician. Self-administered antigen tests will not be accepted as a valid confirmation of a positive diagnosis.

Enjoy a Worry-Free Holiday with Travel Insurance From AIG

Travel insurance fedback from aig customers, more than 3 in 4 aig customers would recommend us. [5].

[5] Based on a combined promoter score of 74% in 8,050 AIG new business customers and renewing customers from June 2022 to June 2023.

Customer images are for illustration purposes only and are not reflective of the customer in order to protect their privacy.

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Claims made easy. We'll always aim to make your travel insurance claim as quick and easy as possible.

ireland travel insurance

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Whether you're taking a break abroad or enjoying a staycation, we have a policy for you. See our  policy booklet for details.

"IT WAS STRAIGHTFORWARD AND A GOOD SELECTION OF OPTIONS TO FIT PEOPLE'S BUDGETS."

DARREN - JANUARY 2024

Trip Cancellation

24/7 Help & Support

Whenever you need us, our 24/7 emergency assistance helpline are here to help as standard.

"I CONTACTED CUSTOMER SERVICE ABOUT A PROBLEM AND THEY GOT TO ME FAST AND SORTED IT OUT."

CHRISTENA - JANUARY 2024

24/7 Support

79% of travel customers are delighted with our service [6]

[6] Based on a combined promoter score of 79% in Q1 2023 AIG new business travel customers

"THE STAFF WERE VERY FRIENDLY AND INFORMATIVE AND ANSWERED ALL MY QUESTIONS.  MY ONLINE EXPERIENCE WAS EQUALLY EXCELLENT."

DEIRDRE - DECEMBER 2023

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What is Travel Insurance?

Travel Insurance is insurance that is designed to protect your health, belongings and the cost of your trip should anything go wrong while you are abroad or in some cases before you leave.

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Do You Have Private Medical Insurance?

Having a plan that covers medical treatment while you are abroad, might qualify you for cheaper travel insurance premium. 

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Do You Need Car Hire Excess Insurance?

Our Car Hire Excess Insurance can help take care of that nasty bill you may be left with if your rental car becomes damaged or stolen.

Get your great value Travel Insurance today

Frequently asked questions.

You can find a list of our most frequently asked questions on our FAQ page. 

Our insurance policies do not cover pre-existing medical conditions, or travel to or through Cuba, Iran, Syria, North Korea or the Crimea region, or countries where the Department of Foreign Affairs have allocated  a security status of 'avoid non-essential travel' or 'do not travel'.  Other exclusions and conditions may apply so please check the  Policy Wording  for details.

Policy Documents

You can find our Travel Insurance Policy Document and IPIDs including all our historical versions, by following the link below.

Have A Question?

You can contact our customer service team between 9am - 5pm on  1800 344 455 . If you need help with your existing policy or are looking to renew, you can find all your relevant information on our  Existing Customers  page.

Explore Our Travel Tips & Guides

Know more and make better choices - find useful tips and ideas on our travel hubs!

Ski Holidays Guides

Ski Holidays Guides

Whether you're an experienced skier or a novice hitting the slopes for the first time, our comprehensive guides have everything you need to make your ski trip a success.

Travel Destination Guides & Inspiration

Travel Destination Guides & Inspiration

Traveling around Europe or dreaming of exploring South America or embarking on an African safari? We've got you covered with expert tips and things to know before you go.

Car Hire Tips & Advice

Car Hire Tips & Advice

Learn how to save money on car rentals and discover must-know tips for a smooth and enjoyable journey. Prepare yourself for a stress-free car rental experience and make the most of your travels.

Backpacking Tips & Advice

Backpacking Tips & Advice

Whether you're a seasoned backpacker or planning your first adventure, our expert insights cover everything you need to know. From essential packing lists and practical travel tips to guidance on planning a gap year trip, we have you covered.

Travel Safety Tips & Advice

Travel Safety Tips & Advice

From practical airport safety measures, navigating last-minute holiday bookings, understanding the risks associated with traveling without insurance, ensuring hotel safety, and handling flight cancellations, our guide equips you with the knowledge to protect yourself and your travels.

Family Travel Tips & Advice

Family Travel Tips & Advice

We understand that traveling with children requires careful planning, patience, and creativity. That's why we've curated a comprehensive guide that covers various aspects of family travel.

Terms and Conditions:

[2]  25% discount is subject to owning Private Medical Insurance that provides overseas medical cover for all insured persons for the duration of their time abroad.

[3]  Price of €6.44 is based on an individual buying online aged 18-54 holding Private Health Insurance which provides medical cover for the duration of their time abroad, travelling for 3 days (2 nights) on a European Budget policy. Example correct as of 21/11/2023.

[4]  Price of €33.89 is based on an individual buying online aged 18-54 holding Private Health Insurance which provides medical cover for the duration of their time abroad on a European Budget policy. Example correct as of 21/11/2023. 

[5]  Based on a combined promoter score of 74% in 8,050 AIG new business customers and renewing customers from June 2022 to June 2023.

• Our products are available for Ireland residents only.

• You must be 18 years or over to purchase a policy.

• Your trip must not have already started to purchase a policy from us.

• Upper age limits may apply, depending on the product selected.

• You may wish to compare the terms and conditions of this policy with those of your existing life, health, home and car insurance policies, as well as any other cover which you may already have or is available to you, including through other insurers, as a member of an organization, or through your bank/credit card program(s).

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Compare Travel Insurance Ireland

Compare travel insurance to find the best travel insurance in Ireland. We do all the searching for you to find the best & cheap travel insurance. With just a few clicks using our 'travel insurance compare' feature, you can purchase the best travel insurance policy. It's Quick and Easy!

Single trip covers you one trip from the time you leave Ireland until you return including travelling to multiple countries.

Annual multi-trip covers you for an unlimited number of trips for a specified duration within one year.

Backpacker will cover you for between 3 and 24 months and include travel to multiple destinations. This cover is also known as ‘long stay’ or ‘extended stay’.

Policies will normally exclude cover if you are travelling to an area or country where the Department of Foreign Affairs has advised against travel. For advice on countries not to travel to and for more information prior to travel, visit https://www.dfa.ie/travel/travel-advice/

Annual multi-trip: cover will commence on the specified start date. If you choose to include cancellation cover, it will begin on the policy start date you have selected and not the date you buy your insurance.

Single trip and backpacker: cover will commence on the day you incept the insurance if you choose to include cancellation cover.

What to consider

Annual multi-trip: if you choose to include cancellation cover, it will begin on the policy start date and not the date you buy your insurance. Therefore, if you set the start date for when your first trip begins, you will not be covered if you are unable to travel.

Single trip and backpacker: if you choose to include cancellation cover, it will begin on the date you buy your insurance. All other policy features will begin on the date you select.

Who is covered?

Individual: this is to cover Individual travellers travelling alone or together.

Couple: this will usually cover 2 adults residing at the same address.

Family: usually two adults and a specified number children under the age of 18 who live at the same address. This also includes single parent families.

Definitions may vary from insurer.

Individual: as the name suggests, this will cover one traveller.

Couple: this will typically cover two adults who live at the same address.

Family: this will typically cover two adults and up to four children under the age of 18 who live at the same address.

Winter sports: an additional cover required if you are going on a trip that will involve you skiing or snowboarding etc. This may also include cover for off-piste skiing and for your equipment.

Cruise cover: these policies include cover for cruises and may include extras such as missed port departure and cabin confinement.

Business Trip: these policies are tailored for the business traveler and may include additional cover for mobile phones, laptops or other items used in support of your business.

Always read the policy wording carefully as it may include specific conditions and exclusions. Please ensure that your insurance provider will cover you for all destinations on your cruise.

Private Heath Insurance

Insurers will usually offer a discount and cover some pre-existing conditions automatically if all the insured persons hold an eligible Private Health Insurance policy that covers in-patient medical treatment abroad of at least €55,000 per person per claim. The policies will usually re-quire you to claim from your PHI provider in the first instance if you receive medical treatment abroad with the Travel Insurance benefits offering a top up if you exceed the limit of your PHI.

Please refer to the insurer’s policy documents for full terms and conditions.

What is a medical condition?

An illness or injury for which you have taken medication or been given treatment.

This also includes conditions from which you have suffered symptoms, but not yet had a diagnosis and ongoing medical conditions. Policies may exclude any claims relating to being on a waiting list to receive a diagnosis or treatment or a terminal illness. This may also extend to non-travelling family members.

This policy is only available to you if you have been permanently resident in Ireland for the past six months.

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Find Best Travel Insurance in Ireland with Ucompare

Ucompare's tool does all the hard work for you and helps you to compare & buy cheap travel insurance in Ireland.

Whether it's the annual travel insurance, single trip, backpacker travel, or global travel insurance; fill in our simple form & get multiple quotes to compare & choose the best insurance.

Annual trip Policy

Our annual trip holiday insurance policies cover avid travelers for a full 12-month period. You can select from various geographical locations, including Europe, the US, Australia, or even worldwide.

An annual trip travel insurance policy covers you for all trips made within the year, so you never need to worry about any last-minute panic to arrange travel insurance.

If you are a frequent flyer, it will often be much better value than individual policies for each trip.

Single trip Policy

We also offer a huge range of comprehensive single trip travel insurance options. If you don't travel as frequently, the single trip option can save you a lot of money and stress if anything doesn't go to plan.

This travel insurance type offers advantages, including the policy being tailor-made and designed especially for your trip abroad.

We offer a large range of add-on options for whatever you may need.

Backpacker Policy

If you are travelling for an extended period of time, our backpacker travel insurance options have you covered.

It is the most popular option for those jetting off to travel the world and is essential if you will be away from home for more than 3 months.

Our Backpacker travel insurance policy options can cover you for up to 2 years, so no matter how long you will be away for, make sure to get a quote today.

Benefits of Travel Insurance with Ucompare

Travelling brings you the most wonderful memories to cherish forever. But sometimes things may not always go according to the plan.

Lost luggage at the airport, flight cancellations, flight delays, natural disaster or a medical emergency can seriously hamper your travel plans.

Unfortunately, you don't have control over these mis happenings. But what's in your control is to buy the right holiday insurance policy which provides you the cover you need in these unfortunate circumstances.

Our travel insurance options come with a range of benefits to give you the best cover possible. These include delayed or lost baggage cover, trip cancellation cover, winter sports cover, and car hire excess cover.

Many benefits come as a standard with your policy. For any extras, you might require you can select various add-ons, so be sure to know what you are looking for with the help of our easy to understand comparison tool.

With the range of benefits on offer, you can select the perfect travel insurance policy tailored to your precise needs.

With some help from Ucompare, finding the best deal on your holiday insurance is quick and easy with our easy and stress-free comparison tool, there hasn’t been a better time to choose your next policy.

Hope this will help you find the best travel Insurance in Ireland

Buy Cheap Travel Insurance with Ucompare

Travel Insurance is absolutely essential for anyone who is considering travelling abroad. The Travel Insurance market in Ireland can be daunting so UCompare.ie has brought all of the main competitors together to make your life easier.

UCompare.ie offers a range of Cheap Travel Insurance products in Ireland and they also offer more comprehensive and specialised cover too.

There are a number of different ways in which you can save money on your travel insurance. For instance, many companies automatically select the postage and text message option when you are running a quotation, if you pay attention & remove these options you could save yourself up to €5.00.

Another way to save money is to watch out for the automatic renewal option. While this can be seen as convenient for some travellers, it also pays to shop around and ensure that you are getting the best deal around every year.

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Allianz Assistance  Travel Insurance

Feel relaxed on   your holidays, your benefits.

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Presence in 66 countries worldwide to support you

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  • Sales and claims services are based in Ireland
  • Allianz Assistance is part of the Allianz Group and is one of the world‘s leading Travel Assistance Companies
  • Allianz Assistance has a presence in 66 countries worldwide to support you
  • Allianz Assistance have significant expertise in Travel Insurance & Assistance. They provide a wide range of flexible travel insurance products with optional covers.

Get a Quote  online today!

Learn more about allianz  travel insurance.

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Annual Multi Trip

Our annual multi trip policy helps keep you protected whenever you travel, covering you for all of your trips of up to 35 days in duration, throughout the year.

Annual multi trip insurance policy information  click here .

Our backpacker travel policy offers protection for up to 365 days against risks such as cancellation, delays, missed departures, lost or stolen personal items and medical expenses.

Backpacker insurance policy information  click here .

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Single Trip

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Business Travel

Contact  allianz assistance travel insurance.

If you have a query about your travel insurance policy you can call Allianz Assistance on 01 619 3681 , Mon - Fri 9am - 5pm

Or email: [email protected]

AWP Assistance Ireland Ltd, trading as Allianz Assistance and Allianz Partners, is regulated by the Central Bank of Ireland, registered in Ireland No: 163174. Registered Office: Allianz Assistance , 11b Joyce Way, Park West Business Campus, Dublin 12, D12 C4V6 VAT no IE6563174F. 

AWP Assistance Ireland Ltd arranges insurance and carries out a full policy and claims administration service for customers on behalf of AWP P&C S.A. – Dutch Branch, who is the underwriter.

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Take us away with you

Travel insurance from €6.71*

InsureandGo offers  a range of travel insurance policies  for holidays and trips of all types, whether you’re looking to cover a lazy beach holiday or an action-packed adventure around the world. That’s why we’re  Ireland’s travel insurance specialist.

  • Medical coverage up to €10m (Platinum product)
  • Cancellation and personal belongings covered
  • 24/7 emergency assistance
  • Discount for private health insurance customers
  • Online medical screening

Our travel insurance policies now provide cover for Cancellation and Curtailment as a result of a COVID diagnosis, and Medical Expenses incurred abroad as a result of a COVID diagnosis, subject to the policy terms, conditions, and exclusions.

*Based on a single trip to anywhere in Europe for three days for someone aged 65 or under.

Single trip travel insurance

  • Up to €7,500 Cancellation cover (Platinum product)
  • Cover for trips of 3 days to up to 12 months
  • Over 50 sports and activities covered free
  • 24-hour emergency helpline

Annual multi-trip

  • Unlimited number of trips covered
  • Cover for trips of up to 60 days (Platinum product)

What are you covered for?

InsureandGo offers comprehensive coverage for your travel needs. Get a quote for an annual multi-trip or single trip travel insurance policy now.

Medical coverage

You will have access to medical coverage up to €10 million if you choose the Platinum option.

Cancellation

All of our travel insurance policies include cover for cancellation of your trip.

Emergency assistance

If you have an emergency, you can call our medical emergency line, 24 hours a day, 7 days a week.

Transparency

We are fully transparent to our clients. There are no hidden transaction fees in your coverage.

I’ve lost my documents. How do I retrieve them?

If you have lost your policy documents, you can retrieve them online. Enter your quote number and e-mail address to access your documents. If you would like your documents resent through the post or you have forgotten your quote number or if you have any other problems accessing your documents online, please call our customer service team on 091 545 904 or email [email protected] .

What do I do if my passport is lost or stolen abroad?

You should report any loss or thefts of passports to the local police in the country you are in as soon as possible. You will need the crime reference details they provide for the APS1 (which is the Lost or Stolen Passport Notification) form. You should also report the loss or theft to the Irish embassy of the country you are in. You can get details of your local Irish embassy wherever you are by visiting the website of the Department of Foreign Affairs. The Irish embassy will issue you with replacement travel documents so you can travel back.

When will my documents arrive through the post?

Normally, we say to allow between 5 to 10 working days between you buying your policy and your documents being received in the post. However, we do always aim for your policy pack to be with you sooner. You can still travel with a printed copy of your emailed documents if the posted documents don't arrive in time.

What do I need to take on holiday with me?

We advise that you take your travel insurance certificate and the relevant policy wording booklet away with you.

You may travel with a printed copy of your emailed documents. If you are unable to print your emailed documents, simply write down your policy number and the emergency medical assistance and claims line telephone numbers from the back of our policy wording booklets which can be found here.

Read more FAQs

Emergency contact overseas

In the event of an emergency overseas, call +353 91 545908

Non-emergency claims

For non-emergency claims, please call +353 91 545907

Other enquiries

For other enquiries, please see our “Contact Us” page.

Wintersports cover

We will pay (up to the amount specified, based on the policy you choose) for:

loss, theft or damage to winter sports equipment, the hire of winter sports equipment (should your equipment be lost stolen or damaged), the cost of your ski pack (should you become ill or injured), extra travel and accommodation expenses if your outward or final return journey is delayed due to avalanche, and if the piste is closed for more than 12 hours.

Private health insurance discount

If you and each additional traveller on this policy have private health insurance in place providing inpatient medical cover abroad to a minimum of €55,000 per person per claim, you qualify for a reduced premium on your travel insurance. This cover must remain in place for the full duration of your policy with us.

In the event of a claim for inpatient medical treatment abroad, you must claim on your private health insurance first. The benefits payable under your travel insurance policy will commence once you have reached the limit on your private health insurance policy.

Destinations

Europe excluding Algeria, Israel, Jordan, Libya, Lebanon and Syria (Area 2)

The Continent of Europe, The Azores, any country or island with a Mediterranean coastline.

Please see list below:

Albania - Andorra - Austria - Balearic Islands - Belgium - Bosnia - Bulgaria - Canary Islands - Corsica - Crete - Croatia - Cyprus - Czech Republic + Slovakia - Denmark - Egypt - Finland - France - Greece - Germany - Hungary - Ibiza - Iceland - Italy - Lapland - Liechtenstein - Luxbbourg - Madeira - Mallorca - Malta - Menorca - Monaco - Morocco - Netherlands - Norway - Poland - Portugal - Romania - San Marino - Sardinia - Sicily - Slovenia - Spain - Sweden - Switzerland - Tunisia - Turkey - Yugoslavia. Also included is these parts of the former USSR: Estonia - Belorussia - Latvia - Lithuania - Moldavia - Russia (Moscow) - Ukraine (Kiev)

Worldwide excluding USA/ Canada (Area 3) Worldwide including USA/ Canada (Area 4) United Kingdom and Channel Islands (Area 1)

Group types

Individual(s): Principal insured Person(s) that are not spouses or common law Partners.

Couple: Principal insured Person and his/her spouse or common law Partner.

Family: Principal Insured Person, his/her spouse or common law Partner, and their dependent child/children aged 17 years and younger.

The main traveler must be aged 18 or over, but not exceed 86

This date is too far from the current date

Get a travel insurance quote from The AA

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All the help you need to buy the right travel cover for your holiday, get a European Health Insurance Card, and what to do if things go wrong.

Why get travel insurance?

Travel insurance can protect you financially if something goes wrong when you’re travelling abroad or on holiday.

This could include paying for medical care if you fall ill, refunding your booking if you have to cancel or compensating you for lost or stolen personal belongings.

Find out how to secure the right travel insurance in our guide. Here’s what’s included:

What travel insurance covers

Types of travel insurance.

  • Buying travel insurance in Ireland
  • What the European Health Insurance Card covers
  • Making a claim on your travel insurance

Holiday consumer rights

What’s covered by travel insurance.

It depends on the insurance provider and level of cover you choose, but most decent policies cover:

  • Emergency medical assistance: which pays for the cost of medical treatment if you fall ill overseas. This also covers repatriation costs to get you home to Ireland if you’re not well enough to travel on a standard flight.
  • Personal accidents & injury: which pays you a lump sum if you have a serious accident on your holiday resulting in life-changing injuries, for example, losing a limb or your sight.
  • Cancellation & curtailment: which refunds the cost of your trip if you need to cancel or cut short your trip due to unforeseen circumstances, for example, if you or a family member are seriously ill or you’re made redundant after you book.
  • Luggage & personal possessions: which pays out the cost of replacing lost or stolen luggage and for essential items to tide you over if your baggage is delayed at the airport.
  • Lost or stolen money & documents: covers your foreign currency, including cash like U.S. dollars or British pounds. This also covers your travel documents and passport if they’re lost or stolen on your trip.
  • Personal liability cover: which protects you financially if you cause an accident or injure someone else while abroad.

You can also add extra cover to include things like:

  • Winter sports, e.g. skiing and snowboarding
  • Extreme sports, e.g. scuba diving or paragliding
  • Golf equipment & bookings, including your clubs and green fees if you’re injured or too ill to play

Make sure you take your European Health Insurance Card (EHIC) if you’re travelling in Europe, even if you have travel insurance.

To get the right value from your insurance, it pays to get the right type of insurance tailored to your circumstances and the type of travel.

Here’s the types of insurance you can get in Ireland:

  • Single trip insurance: This covers one trip only, usually for between 30 and 60 days and is the cheapest.
  • Multi-trip insurance: Also called annual cover, it covers multiple trips in one year. It may cover worldwide or just Europe & UK trips.
  • Backpackers insurance: Cover designed for travellers going on a long trip or holiday abroad. Many standard travel policies only offer cover for up to 30 days per trip, but with a backpacker policy, you can get cover for up to two years plus cover for visiting multiple counties.
  • Winter travel insurance: Cover that includes extra protection for activities like skiing, snowboarding and tobogganing. Some standard travel insurance policies exclude these activities because they’re high risk and the cost of medical care on the slopes can be very expensive.
  • Elderly travel insurance: Cover for older people can be harder to find or more expensive because over 65’s pose a greater risk for medical care. It may also have more restrictions, so take more time to read the T&Cs and compare quotes.
  • Family travel insurance: Cover for your children will work out cheaper if you buy a family policy and if you choose annual family cover you’ll have the flexibility to travel as an individual or a couple too. Perfect for a snatched weekend away!

You can read our guides How to find the right travel insurance guide or How to get travel insurance as you get older to find out more about other types of insurance.

Travel insurance ireland abroad

Single trip or annual multi-trip travel insurance?

If you have more than two trips planned per year, it’s usually cheaper to get an annual policy, but your age and medical history may affect what’s available.

With annual cover, you’ll be covered for any short trips in Ireland, but if you plan to travel outside of Europe and the UK or are unsure of your travel plans, choose an annual policy that covers worldwide destinations.

For a look at the pros and cons of single versus multi-trip insurance, visit How to choose the right travel insurance .

How to choose the right type of cover

You’ll save money by choosing the right type of travel insurance for your circumstances, so ask yourself these questions before buying:

  • How many trips are you taking? Consider taking out annual cover if you plan to travel more than three times per year.
  • What will you be doing? Consider specialist cover if you plan to go skiing or do another high-risk activity.
  • Who is the cover for? Check for discounted cover if travelling as a couple, family or group. If you’re over 70 your choice may be more limited.

For more advice on finding the right insurance for your needs, visit our how to find the best travel insurance guide.

Does travel insurance cover COVID-19?

Losses due to epidemics, border closures, warnings, travel advisories or quarantine rules are generally not covered; however, some insurers offer COVID-19 related benefits.

They may provide cancellation, curtailment, medical expenses and accommodation cover if you get COVID-19 while abroad and are unable to return home as planned.

If this is an important concern, shop around, read the terms and conditions carefully and get several quotes before choosing a travel policy.

Buying travel insurance

How much does travel insurance cost.

Standard single trip insurance could cost you less than €25 if you are young with no underlying medical conditions, but may not provide the cover you need if it’s very cheap.

Annual or multi-trip travel insurance could cost around €50 or more for European cover and €65 or more for Worldwide cover. The older you are, the higher the premium regardless of your health.

If you have private medical insurance which covers you while you’re abroad, your travel insurance will be cheaper still.

What affects the price of cover?

  • your destination
  • your medical history
  • whether you have private health insurance

To find the cheapest travel insurance quote, shop around so you can compare prices and benefits.

What if I have private medical insurance?

Even if your existing medical insurance covers you abroad, a comprehensive travel insurance policy can offer financial protection in other areas, for example, if you need to cancel your trip or your travel money is stolen.

The good news is that many travel insurers in Ireland offer a discount on your quote if your medical insurance covers you abroad, which could make your travel insurance even cheaper.

If you hold private medical insurance, you could get up to 25% off the travel cover price.

What’s the age limit on annual multi-trip cover?

For many annual policies, the maximum age limit is 75 years, but often people over 70 years must hold private health insurance.

Should you buy the cheapest travel insurance?

Although it’s tempting to pick the cheapest policy, it’s not always a good idea with travel insurance. The cheapest policies will offer less cover and have more exclusions.

It’s best not to scrimp on cover for medical expenses and personal liability because you could end up liable for eye-watering expenses if you get ill or are involved in an accident on holiday.

Also, pick a policy that fully covers the cost of the holiday and your belongings and find a policy that includes enough financial protection for you and your family.

Who offers travel insurance in Ireland?

Most of the large insurers in Ireland offer travel insurance, as do private health companies. An online search will also provide a selection of smaller, travel insurance specialists.

Although there are many insurance providers to choose from, many policies are underwritten by the same companies.

What you need to buy travel insurance

Before you buy your travel insurance, you’ll need to know:

  • Your destination: usually shown as UK and the Channel Islands, Europe or Worldwide (including or excluding USA and Canada).
  • The dates of your trip: this is the date you leave Ireland and the date you arrive back in Ireland.
  • Who needs to be covered: usually shown as individual, couple or family but check the help information for exclusions.
  • The age of each traveller if you’re buying a group policy, have that information to hand.

You may also be asked to confirm:

  • If you hold private medical insurance that covers trips abroad
  • If you need cover for winter sports

When should you buy travel insurance?

It’s best to buy your single-trip travel insurance as soon as you book your trip so you’re covered if the flights, accommodation or package holiday is cancelled.

This will also cover you if something happens before your trip starts, which means you have to cancel your holiday, e.g. you or a relative becomes seriously ill.

For an annual or multi-trip policy, you need to know roughly when you’ll be travelling as you have to choose a start date for your policy and it runs a year from that date. If you book a holiday that starts before your policy does, you won’t be covered.

The European Health Insurance Card

What is european health insurance (ehic).

It’s free healthcare available to Irish residents and EU citizens living in Ireland. The European Health Insurance Card, known as the EHIC or formerly E111, shows that you’re eligible for free healthcare when you travel in Europe.

If you’re travelling to the EU or European Economic Area (EEA) you should take it with you in case you become unwell or have an accident and need medical attention.

Each member of your family needs an EHIC when they travel within the EU. You can apply for them in person, by post, or online if you have a medical or drug payment scheme card.

What does it cover?

Here’s a summary of what the EHIC does and doesn’t cover you for:

  • Free or reduced cost state healthcare in any of the EU and EEA countries
  • Pre-existing medical conditions
  • Routine maternity care - as long as you’re not going there to give birth
  • A temporary stay up to three months*

Not covered

  • Private healthcare or costs for something like mountain rescue
  • Ongoing or permanent healthcare
  • Medical expenses, if your reason for going abroad is to have treatment
  • The cost to fly you back to Ireland

*If you’re a student studying abroad, you’ll be covered for up to an academic year.

How to use the card

If you need medical care while you’re away, you must show your EHIC to the public medical centre or hospital as evidence of eligibility.

You can expect to get the same treatment and care as local residents and on the same terms.

If public healthcare is free in the country you’re visiting, you won’t pay anything, but if there’s a charge for medical services, you’ll be charged too.

Here’s more information about how to use your EHIC in each country and any costs involved.

Do you still need travel insurance?

Yes, it’s essential you get travel insurance and an EHIC, or you won’t be covered for things like cancellation and lost or stolen luggage.

Your EHIC just covers medical costs in the EU, but travel insurance can include many extras to suit your trip, such as winter sports cover. You can find out more about how to choose the best travel insurance in our helpful guide.

How to renew or apply for the EHIC

You can either apply or renew:

  • In person: at any local health office except Dublin North West. Check what ID to take.
  • By post: Print out an application form and post it to your local health office along with any documents required.
  • Online: using the official HSE website

The EHIC is completely free. Never use a website that tries to charge you a fee.

Claiming on your travel insurance

You’ll need to contact your insurance company as soon as possible in the event of a problem.

Remember to take your travel insurance documents and their emergency contact details with you when you travel. Take a paper and electronic copy of the policy so you have more than one way of accessing the information.

If you’re taking expensive items abroad, jot down serial numbers or take photos of your electronics or jewellery before you travel.

Here’s the emergency claim numbers of popular travel insurers in Ireland:

Claiming for illness, accidents and medical emergencies

If you need medical treatment while you’re away, you’ll need to contact your insurer as soon as possible. Your insurer has to agree to any medical procedures, so do this before treatment takes place.

This may not be possible in an emergency, so get evidence of any treatments or medication you’ve paid for.

Depending on the country you’re in, you may have to pay up-front for treatment and claim it back when you get home, so always secure medication receipts or an invoice for medical treatment.

It’s vital you tell your insurer about any existing health problems or conditions when you take out insurance, or you may not be covered.

Claiming for lost, stolen or damaged belongings

If your belongings are lost or stolen, inform the local police within 24 hours of your items going missing and get a statement. If this isn’t possible, tell someone else such as your hotel manager, tour operator or airline and get a written report.

If you have to replace essential items, such as toiletries or clothing, keep receipts for everything you need to purchase and provide them as evidence to support your claim.

Your insurer will want to see that you’ve taken reasonable steps to look after your luggage or belongings whilst travelling, so be prepared for questions and support your claim with evidence wherever possible.

Claiming if you have to cancel your trip

Your claim for cancellation or trip curtailment will only be accepted under certain conditions. It’s wise to check the small print for acceptable reasons, but typically they will be:

  • unexpected death, illness or injury involving you, your partner or fellow travellers
  • unexpected damage to your home, such as fire, flood or burglary
  • you’ve been advised not to travel due to pregnancy (after you bought insurance)
  • you’ve been called for jury service or as a court witness

Check your policy schedule for the rules of reimbursement should you have to cut short your trip.

You now have the same rights whether you book your holiday at a high street retailer or online. Here are your consumer rights if you book a package holiday or linked travel arrangement.

When can you cancel?

You can cancel at any time up to the start of your holiday for a reasonable cancellation fee. The less notice you give, the more money you’ll lose.

You may be entitled to a full refund without paying any fee in the following situations:

  • In extraordinary circumstances: e.g. war, terrorism, floods and earthquakes that will significantly affect the holiday or stop you from reaching your destination safely.
  • If the price increases by more than 8%: you have the right to cancel without paying a charge. Contractually no price changes are allowed within 20 days of the departure date.
  • If significant changes to the holiday are made: e.g. departure and arrival times that will affect your accommodation and transport arrangements.

When can the travel company cancel?

They may have to cancel due to extraordinary circumstances beyond their control or where they can’t get the minimum number of participants needed for a trip to run. In these situations, you have the option of:

  • A replacement holiday of equal or superior quality
  • A lower quality holiday, plus a refund for the difference between the two trips
  • A full refund

Can your holiday price go up after you’ve booked?

Yes, the cost can go up but not within 20 days of your departure date. The cost of your trip may be affected by increases to:

  • Transport costs e.g. fuel prices
  • Taxes, fees and duties charged at airports or ports
  • Currency exchange rates

What are my package holiday rights?

If you book a package holiday, you should be:

  • Given all the essential information from the retailer or trader before the booking is completed.
  • Able to contact the organiser directly and through the retailer you bought the package from (if different).
  • Entitled to a full refund and repatriation if the trader becomes insolvent.
  • Able to transfer the holiday to another traveller, giving reasonable notice and you may have to pay costs.
  • Offered suitable alternative arrangements at no extra cost if a significant proportion of the travel services can’t be provided.
  • Given assistance if you’re in difficulty e.g. access to healthcare or alternative travel arrangements.

How to complain about your holiday

You must raise any issues with the travel organiser without delay, where you feel a service isn’t satisfactory. If you delay, it could affect the compensation you get.

They should be allowed to put things right, but if this doesn’t happen, you should gather evidence to support your complaint e.g. take photos or video footage.

If the matter is still unresolved when you’re back home, you should put your complaint in writing within 28 days of the holiday end date. Details of where to send your complaint should be shown in the contract’s terms and conditions.

If you’re unhappy with their response or they fail to respond within a reasonable timeframe, you can contact:

  • The Competition and Consumer Protection Commission (CPPC): who can investigate Irish traders and ensure they comply with the Consumer Protection Act.
  • ECC Ireland: who can settle complaints between consumers and traders in another EU country, not Ireland.

Travel companies may use arbitration to resolve complaints. This is where an independent party investigates and reviews the evidence to decide how much compensation to award.

You also have the option of pursuing a claim up to €2,000 through the Small Claims Court.

Specific travel insurance questions

What is the maximum length trip i can get cover for.

It depends on the insurer. Most insurance providers cover trips lasting up to 30 days, but you could find cover up to 60 days if you shop around.

If you buy an annual travel insurance policy, you’re covered for multiple trips but only up to the maximum duration per trip and total duration for the year.

If you need continuous cover for longer, backpacker insurance usually lasts up to a year but can last up to two years.

Do you need special travel cover if you're pregnant?

Most travel insurance policies will cover you to travel in the early stages of pregnancy, but you should always check how far into the pregnancy the cover will last. For example, you may be covered to travel up to 32 weeks into your pregnancy but not beyond this date. If you fall pregnant after taking out a travel insurance policy and will be at a late stage in your pregnancy when you’re due to travel, you may be able to claim for cancellation.

What is a linked travel arrangement?

This is where you buy two or more travel services from different companies that are linked. For example, you book a flight on one website and click on a targeted link to another website where you book accommodation for your trip.

The second booking must be made no later than 24 hours after the first, to count as a linked travel arrangement.

You have fewer rights with a linked travel arrangement than with a package contract and you’re only covered against insolvency with the first booking.

What does repatriation mean?

It’s the return of someone to their own country. For example, if you fall seriously ill during your holiday you’d have to travel back to Ireland early and may need treatment on the flight home.

Emergency repatriation can be very expensive because you may need to travel back to Ireland in a specialist air ambulance, or you might have to be brought home from a remote location.

Repatriation is usually included in the medical cover benefit of a travel insurance policy, but check the policy document to make sure.

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ireland

Travel Insurance For a Trip From USA to Ireland (2024)

Travel insurance for Ireland vacations can provide peace of mind and cover medical and cancellation-related expenses that sometimes arise during international travel.

in under 2 minutes

Josh Lew Photo

Josh Lew is a travel journalist and writer based in the midwestern U.S. He has been active for the past decade, covering airlines, international destinations and ecotourism for sites like TravelPulse and TreeHugger. He currently contributes to content writing agency World Words.

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Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Ireland is an attractive destination for tourists on both sides of the Atlantic. In 2022, 1.5 million North Americans made the trans-ocean journey to the Emerald Isle, and 2.6 million visitors landed from mainland Europe.

If you invest in a transatlantic holiday to Ireland, you must manage financial and physical risks. The best travel insurance companies offer policies covering medical emergencies, rental car damage, flight delays, flight cancellations and other common travel dangers. Here’s what to consider when choosing insurance coverage for your Ireland adventure.

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Do I Need Travel Insurance for Ireland?

Ireland doesn’t require travel insurance for U.S. visitors. But coverage for medical events, trip cancellations and rental cars can save you from losing money to sunk costs and expensive medical bills. The U.S. Embassy warns that U.S. health insurance may not work in Ireland, and you may have to pay healthcare expenses upfront.

Travel to Ireland often requires connecting flights. A delay or cancellation could have a snowball effect, causing you to miss the next leg of your journey or lose hotel reservations. Strong Atlantic storms or ash from volcanic eruptions in neighboring Iceland could halt flights. Trip cancellation insurance accounts for these unexpected events.

Finally, despite good driving infrastructure , Irish roads compared to U.S. roads are narrow and winding, which may challenge many American tourists. It’s a smart reason for taking car rental insurance.

Here are the five travel insurance policy types to consider when planning an Ireland getaway.

Cancel for Any Reason Coverage

As its name suggests, cancel for any reason (CFAR) coverage pays for a trip if it gets canceled without explanation. This is important because standard trip cancellation insurance covers cancellations only if they fall into specific categories.

With a standard policy, insurers offer reimbursement if the cancellation is beyond your control. Scheduling conflicts, such as a family event or a change in relationship status with your traveling companion, won’t qualify for coverage.

CFAR coverage lets you cancel for reasons that are excluded in standard cancellation policies and still receive compensation. It can prove useful for trips to Ireland planned well in advance because it protects against conflicts that come up between your booking date and departure date.

Gear Theft Protection

Travel insurance plans often include a modest amount of coverage for lost luggage or theft. But these policies have limited payouts for gear theft. If you have a valuable phone, camera, computer or other device, insurance may not cover its full value.

According to the U.S. Department of State , theft rates in Ireland have increased in recent years, and tourists are often targets. So adding gear theft coverage could be a good idea.

Medical Emergency Insurance and Emergency Medical Evacuation

Injuries, accidents and illnesses happen anywhere. Medical emergencies are especially stressful when you are traveling in an unfamiliar country. If you are hurt or ill, you will have to seek treatment from a hospital or medical clinic. This type of travel insurance covers those bills.

According to the State Department, Ireland has excellent healthcare facilities capable of providing emergency assistance and quality treatment. Unless your private medical insurance works internationally or you’re eligible for coverage through Ireland’s Department of Social Protection, you’ll pay out of pocket for care.

If you purchase travel insurance for medical emergencies , you might want to seek a policy including medical evacuation insurance. This covers the cost of a medical flight back to the U.S. or another location. These policies usually include coverage for repatriation of remains, should you die abroad.

While Ireland has excellent medical care, the State Department warns that waiting for some procedures can be lengthy, so evacuation insurance could help you get faster access to care.

Rental Car Protection

Auto rental companies in Ireland require car insurance. These agencies provide collision damage waiver (CDW) coverage when you rent the vehicle. This basic policy covers damage after a deductible gets paid. Most companies also have a “CDW excess” option with complete, no-deductible coverage.

While you can choose convenient insurance products when renting, you can waive them if you already have coverage. Some premium credit cards automatically insure rental vehicles that get paid with their card. If you have a single-trip itinerary requiring a significant amount of driving, you can purchase a separate rental car policy or find a comprehensive travel insurance plan with vehicle coverage.

Before you purchase rental car protection, check your policy document for your vehicle insurance at home. Some include coverage for rentals. Take these documents with you to Ireland so that a rental car company can verify your coverage.

Trip Cancellation Insurance

Trip cancellation insurance covers 100% of the cost of your trip if you cancel for specific reasons. The insurance provider usually pays claims for travel canceled because of a death in the family, jury duty or a court summons, natural disasters or conflict in your destination, verifiable illness occurring before your departure date or military deployment.

Insurers list exclusions, such as scheduling conflicts, non-emergency appointments or falling out with travel companions. Insurers may also consider excluding pre-existing medical conditions. While coverage applies to unexpected illnesses or injuries, it won’t protect for healthcare issues you already know about or illnesses beginning before you bought the policy.

Because of the cost of international travel, trip cancellation insurance is typically a good investment, and it brings peace of mind from knowing unexpected events won’t cause a complete loss of your travel budget.

How Much Does Ireland Travel Insurance Cost?

Different factors can affect the cost of travel insurance for an Ireland vacation. For many travelers, a comprehensive plan with cancellation, interruption, emergency medical and evacuation coverage provides good value.

Here is a comparison of prices from five major travel insurers.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

These quotes are from insurer websites, and they’re an average of seven trips outlined in our methodology. These trips have varying numbers of travelers, traveler ages and trip costs.

Other options may be more suitable for some travelers. For example, multi-trip insurance or an annual multi-trip policy could provide better value for frequent international fliers or backpacker-style travelers visiting multiple destinations over a long period.

For a look at the full details of travel insurance costs, go here: How Much Is Travel Insurance?

How Do I Get Travel Insurance for Ireland?

You can get a travel insurance quote from each insurer’s website. While comprehensive cancellation and medical coverage may be the most convenient choice, you may not need all the elements.

Here are some of the protections you may already have:

  • Your private health insurance may cover many medical expenses for international travel. If this is the case, you don’t need medical coverage as part of your travel insurance.
  • If you book your flight and hotel with a credit card, you may already have cancellation coverage. Contact your credit card company or look at its FAQs page to find out the full details of any coverage.
  • Airlines often offer cancellation insurance when you book your ticket. Also, the U.S. Department of Transportation (DOT) points out that airlines must refund money to passengers for canceled flights that result in the cancellation of an entire trip. However, the compensation only covers the price of a flight and any associated fees. It doesn’t cover fees for canceled hotel reservations or other lost travel costs.

By checking these various coverages, you can avoid wasting money by paying for insurance that you already have through another source.

Ireland Safety Tips

According to the State Department , Ireland currently has a Level 1 travel advisory. This rating means it is generally safe in the country if you use standard travel tips for safety.

Potential issues to be aware of when traveling in Ireland include crime and safety, problems with day trips and tours and safety from COVID-19.

Crime and Safety

Even though Ireland is relatively safe, crime is rising. Ireland’s Central Statistics Office found a 41% increase in theft between 2021 and 2022 and a 17% bump in assaults and harassment.

Thefts of tourists may occur near ATMs, and thieves may attempt to break into rental cars, which have specific identifying stickers. Take common-sense measures to stay out of dangerous situations, such as remaining in crowded areas at night, using ATMs inside banks during the day and not leaving valuables in visible places inside your car.

Day Trips, Tours and Excursions

Some Ireland excursions can be hazardous. For example, 1,435 cyclists were injured on Irish roads between 2016 and 2021. Many of these incidents involved cars hitting cyclists on rural roads. You can avoid dangerous situations by biking with a group or taking a tour with a trusted guide.

Some of Ireland’s most popular hiking trails and mountains have treacherous conditions. For instance, Croagh Patrick, a popular mountain on the western coast, experiences high winds and unstable trail surfaces that can make climbing dangerous.

You should always check weather reports, seek local insights, or travel with a group or guide when attempting hiking or other adventure activities in Ireland.

Ireland today has no COVID-19-related travel restrictions . Arriving passengers no longer need to provide vaccine documentation or coronavirus test results. The Irish government issues guidance related to the virus but has lifted all restrictions.

Should You Get Travel Insurance For a Trip to Ireland?

Travel insurance is worth it for tourists visiting Ireland. Even if you don’t encounter a cancellation, medical treatment or other crisis during your visit, you will have peace of mind knowing you are covered if something does happen. The protection leaves you free to enjoy your trip without worrying about possible “what-ifs.”

Frequently Asked Questions About Travel Insurance in Ireland

How do i make a travel insurance claim while in ireland.

You must take specific steps to claim compensation for a flight cancellation or medical emergency during your Ireland trip. First, make sure an insurance claim is necessary. Airlines must book passengers on other flights after cancellations unless their trip was canceled because of weather or some other uncontrollable event.

Airlines don’t have to pay for hotels during extended delays, so you may be able to file a claim with your insurer. It will review the circumstances and make a compensation decision.

Is it worth getting travel insurance for Ireland?

Travel insurance is a sound investment for international travelers. But research your current policies to see if adding travel insurance is necessary. Some private health insurance may cover emergency medical care overseas, and your credit card could offer reimbursement for cancellations of any aspects of the trip you pay for with it.

Do Americans need travel insurance for Ireland?

Ireland doesn’t mandate travel insurance for international visitors. But the State Department says they don’t have to pay for healthcare or repatriation of remains for Americans abroad. A comprehensive policy or an a la carte plan covering any gaps in current insurance can cover these unlikely but expensive events.

What is the best travel insurance for Ireland?

The best travel insurance policy depends on your coverage needs and available budget. While researching different companies, look closely at coverage limits to ensure the plan provides enough compensation for the problems you might encounter while in Ireland.

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Multitrip.com offers comprehensive travel insurance, whether you're traveling for business, pleasure, or adventure. We understand that unexpected events can occur, causing disruptions and inconvenience. That's why we are here to provide you with peace of mind by protecting your travel plans at affordable prices.

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Looking for travel insurance that gives you peace of mind no matter where you are? Here are three reasons to travel with Multitrip.com:

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No matter what your travel style is, we’ve got a travel insurance type for you:

Planning a one-off trip? Whether it’s a long or short getaway, Single Trip Holiday Insurance could be the best option for you.

Love travelling? Save money with 1 or 2 Year Multitrip Travel Insurance - it covers unlimited trips, so you can holiday as much as you like.

Heading abroad to travel, work or study? Backpacker Holiday Insurance offers extensive protection whether you’re 18 or 49!

Travelling with children? Protect your family under one Multitrip Travel Insurance policy.

Hitting the slopes? Add Winter Sports Cover to your policy and stay protected whether you’re skiing or snowboarding.

Want to spend your retirement travelling? Find affordable holiday insurance with comprehensive cover for seniors over 70s.

What Does Travel Insurance Cover?

Discover six of Multitrip.com's travel insurance benefits below* or explore more details here .

Cover the expenses of unused and irrecoverable travel and accommodation costs in case you need to cancel or cut short your travel.

Cover financial expenses should injury, illness or death occur during your trip outside Ireland.

Have 24/7 assistance should you require medical emergency abroad, repatriation or curtailment while on holiday.

Get cover against accidental loss of, theft of or damage to baggage/personal belongings.

Cover the expenses you become legally liable to pay if you cause another's bodily injury or property damage.

Get reimbursed for the costs of travel delays if your scheduled public transportation is delayed for over 12 hours.

Cancellation or Curtailment

Medical expenses, emergency assistance, baggage & personal belongings, personal liability, delayed departure.

*Terms & Conditions apply.

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Planning a holiday that’s unique to you? At Multitrip.com, you can include additional travel cover to suit your specific needs:

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  • Purchase your policy straight after you've booked your trip:  If you buy your holiday insurance as soon as you book your flights and accommodation, Multitrip.com travel insurance can provide cover should mishaps affect your holiday before you even leave home.
  • Personalise your cover to match every inch of your itinerary:  Hitting the slopes for a snowboarding sesh? Worried volcanic activity will affect your dream holiday? You can protect your bespoke trip with the additional coverage options.
  • Always declare your medical conditions:  Multitrip.com travel insurance automatically covers a number of medical conditions, but if yours isn't listed, be sure to contact the Medical Screening line to find out more about the options available.

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  • Discount applies if You and all Insured Persons on your travel insurance policy have Private Health Insurance, with a minimum of €55,000 inpatient medical cover abroad.

Important Conditions Relating To Health

Tel: 0818 286 525.

Please note certain medical conditions will incur an additional premium.

Medical Screening Line Opening Hours

  • Monday: Friday 9am to 7pm
  • Saturday: 9.30am to 4pm
  • Sunday: 11am to 3pm
  • Quoting Reference: Blue Irish Broker 2015-2016.

Private Health Insurance Members

If you hold a valid private health insurance with a minimum of €55,000 of inpatient medical cover abroad and have declared your private health insurance details to us, then you do not need to contact the medical screening line as detailed below.

Important note: If your private health insurance does not provide cover for the full duration of your trip abroad as stated on your validation certificate you will still be required to contact the Medical Screening Line to declare your medical conditions.

Non Private Health Insurance Members

At the time of taking out this policy, do you have or have you had any medical condition(s) for which you are taking or have taken prescribed medication or are waiting to receive, or have received treatment (including surgery, tests, or investigations) within the last 2 years?

If so, it is a condition of this policy that you will not be covered under Section A – Cancellation or Curtailment Charges, Section B – Emergency Medical and Other Expenses, Section C – Hospital Benefit, Section D – Personal Accident and Section X3 – Green Fees for any claims arising directly or indirectly from this medical condition(s) unless you contact the Medical Screening Line on and they have agreed in writing to cover your medical condition(s).

If you have only one medical condition and it is one of those shown in the table of ‘Medical Conditions which do not require screening’ below, then this will be covered under the policy without the need to contact us.

Exclusions that apply to all Insured Persons

These exclusions apply to all insured persons irrespective of whether they are a Private Health Insurance or Non Private Health Insurance holder.

The following exclusions apply to all insured persons at the time of taking out this policy or at the time of booking the trip.

You will not be covered under Section A – Cancellation or Curtailment Charges, Section B – Emergency Medical and Other Expenses, Section C – Hospital Benefit, Section D – Personal Accident and Section X3 – Green Fees for any claims arising directly or indirectly from:

  • Any medical condition for which you are aware of but have not had a diagnosis.
  • Any medical condition for which you have received a terminal prognosis.
  • Any medical condition for which you are receiving or are on a waiting list for or have the knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home.

The following exclusions apply to all insured persons at all times:

  • Any medical condition you have in respect of which a Medical Practitioner has advised you not to travel or would have done so had you sought his/her advice but despite this you still travel.
  • Any surgery, treatment or investigations for which you intend to travel outside of Ireland to receive (including any expenses incurred due to the discovery of other medical conditions during and/or complications arising from these procedures).
  • Any medical condition for which you are not taking the recommended treatment or prescribed medication as directed by a Medical Practitioner.
  • Your travel against any health requirements stipulated by the carrier, their handling agents or any other public transport provider.

You should also refer to the general exclusions in the policy wording.

Exclusions that apply if a Close Relative or Travelling Companion has Medical Conditions

If any of the below exclusions apply to your close relative(s) or travel companion(s) at the time of taking out this policy or at the time of booking the trip, you will not be covered under Section A – Cancellation or Curtailment Charges, Section B – Emergency Medical and Other Expenses, Section C – Hospital Benefit, Section D – Personal Accident and Section X3 – Green Fees for any claims arising directly or indirectly from:

  • Any medical condition for which a close relative or travelling companion have received a terminal prognosis.
  • Any medical condition for which a close relative or travelling companion are receiving or on a waiting list for or have the knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home.
  • Any medical condition for which a close relative or a travelling companion are aware of but for which they have not had a diagnosis.

Medical Conditions which do not require screening

Important Note: If you have more than one of the below medical conditions you must contact the Medical Screening Line or if you have any other medical condition in addition to any of the below, you must declare all conditions to medical screening..

  • Achilles Tendon Injury
  • Acid Reflux
  • Anal Fissure/Fistula
  • Allergy (requiring non prescriptive treatment only)
  • Bells Palsy (in isolation only)
  • Benign Prostatic Enlargement
  • Broken/Fractured Bones(not head or spine)
  • Carpal Tunnel Syndrome
  • Colds or Influenza
  • Colitis (no hospital admissions in last 12 months
  • Corneal Graft
  • Cuts & Abrasions (non self-inflicted)
  • Cyst Breast (Benign)
  • Cyst Testicular (Benign)
  • Diarrhoea and/or vomiting (resolved)
  • Dislocated Hip
  • Epididymitis
  • Essential Tremor
  • Fungal Nail Infection
  • Gall Bladder Removal (if more than 3 months ago)
  • Gastric Reflux
  • Glandular Fever
  • Hemorrhoids (Piles)
  • Hernia (not Hiatus)
  • Hip Replacement
  • HRT (Hormone Replacement Therapy)
  • Hyperthyroidism
  • (Overactive Thyroid)
  • Hypothyroidism (Underactive Thyroid)
  • Hypercholesterolaemia (high cholesterol)
  • Hysterectomy (provided carried out more than 6 months ago)
  • Irritable Bowel Syndrome
  • Macular Degeneration
  • Menorrhagia
  • Migraine (confirmed diagnosis, no on-going investigations)
  • Myalgia (Muscular Rheumatism)
  • Myalgic Encephalomyelitis (ME) (if the only symptom is fatigue)
  • Nasal Polyp(s)
  • Neuralgia, Neuritis
  • Nut Allergy
  • Osteochondritis
  • Osteoporosis, Osteopaenia (fragile bones) NO vertebral (backbone) fractures
  • Pelvic Inflammatory Disease
  • Reflex Oesophagitis
  • Rhinitis (Allergic)
  • Shingles (Herpes Zoster)
  • Shoulder Injury
  • Sleep Apnoea
  • Tendon Injury
  • Underactive Thyroid
  • Varicose Veins legs only (if GP has confirmed that client is fit to travel)
  • am resident in Ireland    (i)
  • have not already departed on/commenced my trip
  • have read and agree with the important conditions relating to health
  • understand that this policy does not cover cancellation due to government lockdown or travel restrictions imposed by the Department of Foreign Affairs. There is no cover for any cancellation claim event relating to a Covid diagnosis occurring within 14 days of the date you purchased this insurance or the time of booking any Trip whichever is the later or if you and/or all insured persons are advised to self-isolate without a positive Covid diagnosis. Please refer to the Policy Wording for full information.

Private Health Insurance Discount

Cover-More Blue Insurance Services Limited offers significant discounts on our Annual Multi Trip and Single Trip policies for Insured Persons with VHI, Laya or Aviva Private Health Insurance policies. Your Private Health Insurance policy must include a minimum of €55,000 of inpatient medical cover abroad. If your Private Health Insurance policy includes this select ‘Yes’ in the ‘Private Health Insurance’ box on our website home page. Our Travel Insurance policy will provide the same benefits as on our standard policy, but it recognises that you already have cover on your Private Health Insurance policy for inpatient medical expenses abroad up to a specific limit (Min €55,000). Our Travel Insurance policy will top up the amount to the overseas medical expenses limit on your Private Health Insurance policy allowing you to save money on travel insurance premiums without sacrificing cover.

It is your responsibility to ensure that your Private Health Insurance policy covers you and all other travellers named on your Travel Insurance policy for a minimum of €55,000 of inpatient medical cover abroad.

Please note that not all Private Health Insurance Plans provide a minimum of €55,000 of inpatient medical cover abroad. Please check with your Private Health Insurance provider to ensure you have adequate cover to be eligible for this discount. If you cancel or fail to renew your Private Health Insurance policy, it is your responsibility to contact us as soon as is reasonably possible to update your Travel Insurance policy details and ensure you have sufficient cover. Any Private Health Insurance discount you received will be removed from the Travel Insurance policy and you may also be required to contact the Medical Screening Line to declare any medical conditions you or anyone named on your Travel Insurance policy has/has had.

Further information on Medical Screening can be found by clicking here.

Data Privacy Policy

This notice will inform you about our policies and procedures concerning the personal information about you that we collect, maintain and disclose, in connection with the insurance policies you obtain from us.

Information we may provide to others

We may disclose information about our applicants, customers and former customers, as permitted or required by law in conjunction with our normal insurance operations, such as:

  • in the processing of an insurance claim.
  • in connection with a legal proceeding.
  • with government agencies conducting examinations of our procedures.
  • internal database marketing.

Data Protection

We collect and maintain personal information about you in order to carry out our functions as a provider of insurance products. All personal information submitted is treated with the utmost confidentiality and with appropriate levels of security.

This information is used to manage the issuance of an insurance policy, including underwriting and claims handling, and may be stored as computer records and/or paper files to assist us to complete transactions, or follow up discrepancies, complaints or queries. Details may also be submitted to regulatory authorities and auditors. Unless otherwise instructed, we may use personal data for commercial purposes.

Personal Information Restrictions

Access to the information you submit is limited to those employees who have legitimate business needs for such information with respect to the insurance policies issued. We maintain physical, procedural and electronic safeguards to protect the privacy and confidentiality of your non-public personal information.

Internet Usage

Our websites do not contain any hidden codes or applications designed to obtain any kind of information about you from your computer, apart from what is required to establish a connection and transfer content between our website and your computer.

Our host servers do obtain information about the number of connections to it. This data may contain details such as your IP address, the kind of operating system you are using and the version of your internet browser. This information is used only for the purposes of analysing the traffic to the website. It does not contain any kind of data about you which may be classified as personal or private.

Our website uses ‘cookies’ to track visitor navigation. Cookies are small text files stored on your computer, which identify it to our website. Cookies do not contain viruses, and the cookies stored on your computer by the website do not contain any kind of personal, private or sensitive information. They are used simply to track navigation and remember data and preferences submitted by you. Cookies can be disabled on your browser, though this may hamper your ability to effectively obtain a quote and purchase a policy from our website.

Sensitive Data

Any sensitive data supplied by you in order to purchase an insurance policy, such as dates of birth or health details, will only be used for the purpose specified at the time of submitting this data.

We reserve the right to provide this information, when we are legally obliged, to official bodies such as the Police, the Courts, or other organisations investigating insurance fraud.

Call Monitoring

We may monitor and record telephone calls in order to improve our service to you and to prevent and detect fraud.

Marketing Preferences

We will use the details you have given us to provide you with information about the products and services of the Cover-More Blue Insurance Services Limited and our affiliates/partners which may interest you. Your data will not be shared with our affiliates/partners. We will not do so if you have already told us you do not want this information, see the ‘opt-out’ phone number email address below. We may also use your information for these purposes in the event that you do not take up a policy with us at this time and also after your policy has ended, unless you ask us not to.

We may contact you with a reminder that your insurance is due to be renewed. This contact may be made by a number of communication methods in addition to traditional correspondence, see below:

How we might contact you for marketing purposes?

From time to time we may contact you using the information you have provided in relation to our products and services in any of the following ways:

  • Through digital and/ or other remote applications
  • By text message

Why might we contact you?

We might contact you:

  • about an enquiry you have made;
  • with products or services offers from the Cover-More Blue Insurance Services Limited;
  • in relation to your policy or quote;
  • to ask for your feedback/views on the products and services we provide;
  • to tell you about any important changes to our website; or
  • where there is another genuine reason for doing so

How to Opt out

You can change your mind about receiving marketing information from us at any time. Each time we contact you electronically with marketing information or a marketing message, you can choose not to receive further marketing information from us to that email address or phone number. This is known as an ’opt-out’. If you want to ’opt-out’, please phone us on 0818 484 484 or email us at [email protected] . Please make sure you tell us about any changes to your marketing preferences for each affected address, email address or phone number you have registered with us.

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Marketing Preference

We may contact you with a reminder that your insurance is due to be renewed. This contact may be made by a number of communication methods in addition to traditional correspondence, see below. We will also use the details you have given us to provide information about our products and services and those of other companies in the Cover-More Blue Insurance Services Limited and other companies whose products and services may interest you. However, we will not do so if you have already told us you do not want this information. We may also use your information for these purposes after your policy has ended, unless you ask us not to.

How we might contact you?

  • about an enquiry you have made
  • with relevant products or services offers
  • in relation to your policy or quote
  • to ask for your feedback/views on the products and services we provide

You can change your mind about receiving marketing information from us at any time. Each time we contact you electronically with marketing information or a marketing message, you can choose not to receive further marketing information from us to that email address or phone number. This is known as an ‘opt-out’. If you want to ‘opt-out’, please phone us on 0818 484 484 or email [email protected] . Please make sure you tell us about any changes to your marketing preferences for each affected address, email address or phone number you have registered with us.

By going ahead with a Cover-More Blue Insurance Services Limited quote or policy or by giving us personal information including sensitive personal information (as more particularly described in our Security and Privacy Statement) you will be explicitly agreeing to us, our agents, other insurers and the other persons described in this notice (and/or in the Security and Privacy Statement) processing it for all relevant purposes including but not limited to those described in this notice. Before you provide us with any information about others, you should make sure they are aware of how we will use their information and have agreed to this. It is your responsibility to ensure that you have obtained the permission of any such persons and have shown this notice to them to allow us to process their personal data for the purposes outlined in this notice. For our policy about taking instructions from persons other than the Policyholder, details about data transfers outside the European Economic Area, how to obtain copies of personal information and who to contact in the event of questions, please see the Security and Privacy Statement (which contains a full overview about Cover-More Blue Insurance Services Limited’s use of your personal information) which we expect you to read. You can view this by visiting our Privacy Policy or by contacting our Customer Services Manager at [email protected] for a hard copy.

You can obtain confirmation on what information is held about you and your previous claims on Insurance Link by visiting www.inslink.ie .

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Annual Travel Insurance

Travel Insurance from €14.99^ with 24/7 GP access.

AA Travel Insurance Features And Benefits 🏝

Protection at home and abroad. AA Travel Insurance covers you for staycations and vacations. With 24/7 access to a GP as standard. + More benefits too. Discover now.

Annual Multi Trip

Get cover before, during and after your holiday the whole year.

Cancellation Cover

Cover up to €6,000 for any lost travel and accommodation costs if cancelling your trip is unavoidable

Medical Cover

Emergency medical and repatriation cover up to €10,000,000

Baggage Cover

If your baggage is delayed for more than 12 hours we cover you for up to €300 (€50 per day)

Winter Sports Cover

Covers a wide array of winter sports activities including skiing and snowboarding

COVID-19 Cover

Cancellation, Curtailment, Medical Expenses & additional accommodation cover if you contract COVID-19 while abroad & unable to return home as planned.

24/7 access to a GP as standard.

Doctor Please

All AA Travel Insurance policies now give you access to an English speaking GP 24/7 whilst you are abroad. If you need a doctor , they are just a call away or click away…

COVID-19 Cover. Holidays without worry 👌

Our cover for covid-19 gives you the peace of mind you need for a stress-free return to travelling.

Our cover for COVID-19 gives you benefits such as:

  • Cancellation cover if you, a close relative or travelling companion receive a positive diagnosis for COVID-19
  • Cancellation cover if you, or any person insured by the policy, are required to self-isolate on your scheduled departure date
  • Curtailment cover if The Department of Foreign Affairs (or any other equivalent government body in another country) advises you to return home due to COVID-19
  • Related Medical Expenses if you contract COVID-19 while abroad
  • Additional accommodation if you contract COVID-19 while you are abroad and are unable to return home as planned

Please note that cancellation claims relating to government restrictions for COVID-19 are excluded and any Pandemic illness is not covered within 48 hours of your policy purchase date.

Cover is subject to Terms & Conditions and some exclusions will apply. For full details of cover available please click here

*Please note that cancellation claims relating to government restrictions for COVID-19 are excluded and we will not cover any claim where your travel to a country or specific area or event to which the Travel Advice Section of the Department of Foreign affairs or the World Health Organisation has advised the public not to travel to.

With AA Travel Insurance, we have something for everyone.

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Overview of Travel Insurance Coverage

What does travel insurance cover, what does credit card travel insurance cover, what travel insurance coverage do you need to pay more for, choosing the right travel insurance, what does travel insurance cover frequently asked questions, understanding what travel insurance covers.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex℠. The details for these products have not been reviewed or provided by the issuer.

  • Travel insurance is intended to cover risks and financial losses associated with traveling.
  • Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
  • When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellation and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

  • Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
  • Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
  • Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
  • Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
  • Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
  • Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
  • Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
  • Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex, for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide on the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

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Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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How to save money on travel insurance if you’re over 60.

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Getting travel insurance when you're over 60 can be hard. Here's how to make it easier.

Dave Dzurick likes to play it safe when he travels, so he shops around for travel insurance. But lately, he's noticed that the policies have gotten more expensive.

"Each year past 60 seems to increase travel insurance rates," says Dzurick, a retired broadcast engineer from Tucson, Ariz.

It's not just his imagination.

"Age is the crucial underwriting factor in determining trip cancellation and medical assistance risk for the insurance provider," explains John Rose, the chief risk and security officer of ALTOUR .

Age is more important than ever in travel insurance

You would expect something like age-based pricing to be a constant in the travel insurance industry, but not necessarily. Some group travel insurance policies don't consider age. But a shift is underway.

Last year, when Travelex Insurance Services launched its new line of travel protection plans , it called out one enhancement: competitive age-band pricing, which bases its rates on each traveler’s risk level.

"We’re responding to the coverage and benefits our partners and travelers want," notes Brooke Kirby, Travelex vice president of marketing.

In other words, the rate you pay for travel insurance will be more closely aligned with your age than ever. That's good news if you're young. But if you're over 60, it can present a challenge.

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Stability ai founder emad mostaque plans to resign as ceo sources say, working fast and accurately russian drones and missiles are finding and destroying more of ukraine s best weapons, what is age-band pricing in travel insurance.

Rhonda Abedsalam, vice president of Travel Insurance at AXA Partners US , says age-band pricing is a mechanism designed to align prices with the real risks associated with each age group.

"It provides a fair and balanced approach to travel insurance," she says.

Specifically, this method offers younger travelers access to more affordable options, preventing them from bearing the brunt of a one-size-fits-all pricing strategy. She says older travelers who are looking for lower rates can choose plans offering minimal coverage for a cost-effective solution.

"We always advocate for choosing a plan that balances affordability with comprehensive coverage," she says.

That's a position the US Travel Insurance Association (USTIA) agrees with. When I asked about age-band pricing, a representative advised me that it’s important to understand the plan you are purchasing — what is and isn’t covered — and the level of medical expense and medical evacuation limits offered.

"Never purchase based on price alone," says Robert Gallagher, USTIA's president.

Your travel insurance rates may vary

Pricing travel insurance based on age makes sense, say experts.

"There's a higher risk for claims, primarily due to health concerns," explains PK Rao, CEO of INF Visitor Care .

How much more expensive? Consider medical insurance. A 65-year-old U.S. citizen, for example, might pay $9 a day for international travel insurance with a $1 million coverage limit. On the other hand, an 85-year-old American might pay $31 a day for that same insurance policy, according to Joe Cronin, CEO of International Citizens Insurance .

"Fortunately, there are more affordable options for seniors who are more budget-conscious," he says.

How to lower your travel insurance rates if you're over 60

"The easiest way to lower your costs would be to Benjamin Button it and get younger," jokes Michal Wieczorek, global client relations and intelligence specialist at Insured Nomads .

Seriously, though, he says choosing higher deductibles and lower medical maximums can cut your insurance costs. He says some insurers specialize in benefits for older travelers but cautions buyers to be careful.

"Read the fine print, because certain benefits may decrease or be eliminated above certain ages, especially things like accidental death and dismemberment and evacuation benefits," he adds.

There's a difference between retail travel insurance and group insurance, adds Dan Skilken, president of Tripinsurance.com.

"Retail travel insurance policies are price-sensitive based on age, trip cost, and the length of the trip," he says. "Commercial policies sold through cruise or major tour companies are generally not priced based on age."

In other words, sometimes older travelers can get a better price going through the cruise line or tour operator for travel insurance. But here again, buyers need to be careful, he adds, since some of those policies may lack essential coverage.

How one customer saved money on travel insurance after age 60

Dzurick says he's not deterred by the higher rates because he knows the value of travel insurance.

"For me, one way to save on travel insurance is to get a separate medical rider covering only the basics," he says.

A bare-bones policy would cover only essential items like medical care when you're abroad and emergency evacuation, but would omit some of the other features of travel insurance like coverage of lost luggage or trip interruption.

There's another method Dzurick likes. He checks with his employer-provided insurance to see if it will offer coverage.

"My former employer recently changed insurance plans for retirees, and it turns out the new policy provides coverage worldwide," he says. "So there's no need for any additional coverage."

Some travel insurance companies offer reduced coverage for older travelers. For example, INF has policy maximums up to $250,000 for policyholders who are older than 70 to ease the concerns of travelers.

"You can also take a fixed benefit option which offers lower payments, but still has evacuation benefits," notes Rao.

Cronin says there are budget-friendly options for U.S. seniors traveling outside the U.S. He likes Trawick Safe Travels USA Comprehensive Insurance and Atlas Travel Medical, both of which offer affordable options for seniors traveling to the U.S.

Another travel insurance hack: the two-policy option

Another way to get affordable coverage with a decently high policy maximum if you’ve aged out of the coverage you prefer is to purchase two travel medical insurance plans, according to James Nuttall, general manager of Insubuy .

"Each plan is considered secondary to the other, and they can share the load for claims involving large medical expenses," he explains.

For instance, a plan offering $250,000 worth of coverage may not be in the budget for your age group. But two plans offering $100,000 worth of coverage each might be.

"Just keep in mind that each plan must be from a different insurance company," he adds. "You can’t just purchase two of the same plans."

Pro tip: If you decide to go down this road, work with an experienced travel advisor who knows how two insurance policies would work together.

Other ways to save money on travel insurance if you're over 60

There are other ways to save money, according to Daniel Durazo, director of communications at Allianz Partners USA .

Consider an annual travel insurance policy

Purchasing an annual travel insurance policy can be a smart choice for those who have more than three trips planned in a year, says Durazo. Unlike a one-trip plan, an annual plan protects all of your trips in a 365-day period, which can save you money, rather than insuring each trip separately. Annual policies are sometimes offered at a flat rate, meaning your cost may not increase with age and trip cost.

Buy a plan that includes more

For example, some travel insurance policies include children at no additional charge. That includes Allianz’s OneTrip Prime and OneTrip Premier, both of which cover children aged 17 and younger when traveling with a parent or grandparent.

Focus on trip cancellation benefits for U.S. trips

Durazo says trip cancellation benefits may cover the cost of canceling your trip if you encounter a situation covered by your policy. These benefits can reimburse you for prepaid, nonrefundable trip costs if you have to cancel your trip at the last minute for a covered reason. They're among the most frequently used benefits for U.S. trips (often, medical expenses are covered by your health insurance plan).

Get a plan with post-departure benefits if you're going abroad

Post-departure benefits can kick in as soon as you begin your trip. They can include coverage for travel delays, baggage loss or damage and baggage delay, according to Durazo. It can also include emergency medical and emergency transportation benefits, which are highly recommended for overseas travel.

Age-band pricing is more pervasive than ever in travel insurance. If you're headed somewhere this summer, make sure you know all of your options before you buy a policy.

Christopher Elliott

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