ireland travel insurance requirements

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Ireland – Travel Insurance for Visitors

Ireland: visitors travel insurance and safety tips.

It’s nearly as easy to travel in Ireland as it is to fall in love with it. Ireland has excellent health care and citizens of the European Economic Area and Switzerland are entitled to the same public health services as Irish citizens. Australian citizens enjoy a reciprocal health care agreement with Ireland, which means they are entitled to receive emergency public hospital treatment subject to the standard charges for non-medical cardholders in Ireland. And registered international students on an approved course of study that lasts one year or longer are also covered. But if you’re not from one of these countries or groups, you’ll need a quality travel insurance plan to cover your travels.

Preparing to Travel to Ireland

Your most significant consideration might be the weather. Most travelers advise you to travel light. However, a visit to Ireland might require one more sweater than usual.

Visa is generally not required. However, there are certain countries where you must get a visa before visiting. For details, go to  Irish Visa Advice .

There are no vaccine requirements for visiting, but it is recommended that all travelers be up to date on their routine immunizations, including tetanus, MMR, and influenza (should you be traveling during flu season, which in Ireland is from October to April). Rabies is present in bats in Ireland , so travelers who are focused on adventure activities such as cave exploration should be vaccinated.

Irish Travel Insurance for Visitors to Ireland

Do not forget to purchase a comprehensive travel medical insurance plan for your trip! We suggest:

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Seven Corners Travel Medical Insurance

• Comprehensive medical coverage with benefits up to $5,000,000.
• Adventure activities coverage available.
• Emergency Medical Evacuation protection up to $500,000.

GeoBlue Voyager Plan

• For U.S. citizens up to age 95
• Includes pregnancy coverage, baggage loss, trip interruption & more
• 24/7/365 service and assistance

Medication and Pharmacies

All prescription medication should travel in its original container from the pharmacy, with the prescription label intact. Pharmacies, indicated by a green cross, are generally open Monday to Saturday, with some larger urban centers offering limited evening and Sunday services.

If you are prone to hay fever or seasonal allergies and will be traveling extensively in the Irish countryside, an over-the-counter anti-histamine will offer comfort and relief. These and other common, over-the-counter, nonprescription medications can be found in pharmacies, grocery, and convenience stores. Even gas stations and newsagents will have a small selection of fundamental items like painkillers and cough medication should you find yourself in need.

US Dept. of State: Hospitals in Ireland may not accept American insurance coverage.  Patients are expected to pay all costs up-front at the time of treatment and apply for reimbursement from their own travel insurance later.

General Wellbeing When Visiting Ireland

Don’t get so caught up in Ireland’s charm that you don’t watch where you’re going. Cobblestone streets can be an adjustment for North American visitors in particular – and that’s before you’ve had any Guinness!

Another area to watch your step is along Ireland’s beautiful coastline. The fences, barriers, and warning signs aren’t mere suggestions – sticking to the approved path is critical for visitor safety.

Lyme disease is present in Ireland. To avoid being bit by an infected tick, wear long-sleeve shirts and pants while enjoying those coastal walks or in any forested location or covered with long grasses and thick vegetation. Insect repellant containing 20% DEET is recommended for hikers and campers, who may also consider treating their clothing and gear with permethrin spray.

While Irish people like to joke about their country’s rainy, damp weather, Ireland enjoys plenty of bright sunny days as well, and hazy days can suddenly turn hot. Sunscreen is your friend.

Medical Services in Ireland

Medical services are excellent and rated along with some of the best countries in the world. International citizens and students living in Ireland for an extended qualify for free or affordable subsidized medical care. Ireland’s multi-tier system means that qualified internationals can choose to use either the government or the private system (which may require full payment in advance). A private global health insurance plan will cover you in Ireland as well as throughout the rest of the world. Choose a plan based on your lifestyle and specific needs.

Read:  Healthcare System in Ireland

Visiting an Irish Doctor

Walk-in clinics are not common in Ireland, but a local or hotel concierge will be able to help you identify a general practitioner’s (GP’s) office for non-emergency doctor visits. They should also be able to help you call to set up an appointment. The average visit costs as much as 100 Euros, and it is usually necessary to pay in cash.

Read: Finding a Doctor While Traveling Abroad

How do GPs Work in Ireland

General Practitioners (GPs) are family doctors. A GP is often the first doctor people see about a health problem. GPs are usually part of the private healthcare system, and so you will usually need to pay charges when you see a GP. You can see a GP without being charged for the visit if you have a medical card or a GP Visit Card.

Doctors in Ireland keep strict business hours. After-hours care is accessed through hospitals for serious concerns or, more commonly, through a visit to the DOC – the doctor on call. You can expect to pay a bit more for a DOC visit, approximately 100 Euros, and once again, your hotel can help you set up the appointment, or a pharmacist can make a recommendation.

Whether the doctor tends to your concerns by day or by night, seeing them is necessary if you require a specialist’s services. A GP always needs to submit the request for a specialist consultation. However, no GP referral is required for a visit to the A&E, a hospital’s Accidents and Emergency Department. Hopefully, this is one part of Ireland that you won’t become acquainted with! But, if you do, know that standard visits start at 100 Euros.

Public Healthcare in Ireland

The majority of hospitals are owned and funded by the Health Service Executive (HSE) or are voluntary public hospitals, which are subsidized but privately operated. Public hospitals, although more affordable, are often crowded and require a long wait for non-emergency services.

‘Ordinarily, residents’ in Ireland (i.e., students, expats, etc.: anyone intending to live in the country for 12 months or longer) can go to publicly funded health facilities. However, you should note that government-subsidized does not mean there are no costs. Many services require a co-payment for patients who are not fully eligible citizens. Check with the healthcare facility and your insurance provider before receiving non-emergency care.

Private Irish Medical Care and Services

Independent, non-government subsidized hospitals work independently of the government and may bill patients, or their medical insurance provider, for the entire cost of treatment. Private health services (i.e., private beds) can be requested at some public hospitals, but a surcharge or premium may be charged to the patient.

Health Insurance Plans

For people moving to Ireland: If one doesn’t qualify for local benefits, other options are available for low-cost coverage. Check with local hospitals or insurance brokers to research your options.

Even with access to low-cost options, most locals and internationals purchase private international health insurance to gain access to a broader range of healthcare facilities with less waiting. You should check whether an overseas medical insurance provider is accepted by private hospitals in Ireland before signing up.

Next Step, Read: Irish Health Insurance Plans for Foreigners

International Health Insurance in Ireland

For expatriates living in Ireland who need worldwide coverage and prefer the advantages of an expat medical plan, consider the following option:

Cigna Global Insurance Plan

• The flexibility to tailor a plan to suit your individual needs
• Access to Cigna Global’s trusted network of hospitals and doctors
• The convenience and confidence of 24/7/365 customer service

Top Irish Hospitals

Most hospitals are operated directly by the Health Service Executive (HSE). There are also hospitals run by publicly funded organizations but operate with some degree of autonomy (i.e., teaching hospitals such as University Hospital Galway) Private hospitals also operate in the country. We have listed below ten leading hospitals in Ireland:

• Saint Vincent’s Hospital
• St James’s Hospital
• Beaumont Hospital
• Mater Misericordiae University Hospital
• Adelaide / Meath Hospital National Children’s Hospital
• Beacon Hospital
• National Maternity Hospital
• Blackrock Clinic Dublin
• Rotunda Hospital
• St John of God Hospitaller Services
• Public Hospitals in Ireland  (Irish Health Service Executive)
• International Hospital Search

Food Restrictions

Ireland is a delicious destination! Restaurants and hotels are aware of and responsive to dietary concerns. Even in small village pubs, there is usually a basic vegetarian option and a dish that can be prepared without gluten. With advanced notice, chefs can work with you to accommodate a diet with significant restrictions.

The country’s famous dairy products are pasteurized, and there is a growing trend towards ‘farm to table’ food with an emphasis on healthy, organic, local fare. But should you be tempted by Irish oysters or other shellfish, take note that there are health risks that come with eating uncooked and uncooked meat products no matter where you are in the world.

Irish Emergency Assistance Contact #’s

When a crisis occurs, you can take comfort in Ireland’s warm, hospitable nature – as well as some very handy emergency resources.

• Ireland has two emergency numbers : 999 and 112. 112 works in all of Europe and from any phone.
• Ex-pats and long-term travelers may wish to invest in a membership with the Automobile Association, which costs approximately 220 Euros and offers breakdown support.
• Irish Tourist Assistance Service offers free, confidential support and assistance to tourists who are victims of crime, from minor troubles to more serious situations. They can help with everything from organizing medical assistance to helping to re-issue stolen travel tickets to assist with language and communication difficulties.

Whether your connection to Ireland is through your blood or through your heart, a small dose of knowledge and preparation will go a long way towards a healthy, worry-free trip whose memories will last a lifetime.

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Home » Europe » Ireland » Travel Insurance

Guide To Ireland Travel Insurance – ALL You Need To Know

Can’t hold out anymore on experiencing that Irish charm you’ve heard about? Then you’re in for a treat! Ireland is a joy to explore on your next hard-earned holiday. It’s a small but perfectly formed country, with spirited cities and breathtaking landscapes. Furthermore, Ireland is dotted with historical castles, quaint rustic villages and endless pints of Guiness. It’s chill, it’s safe, it’s totally fun and everybody agrees!

The Irish are known for their luck, and they certainly got lucky with their land. Ireland is blessed with glorious coastlines, rolling hills, and rugged mountains. Irish people won’t disappoint you with their wit and warmth, either. They definitely set the worldwide standard for humor!

But whilst the Irish may be lucky, do you feel lucky? Because if you prefer not to leave things down to chance this post is just for you. Let’s take a look at Ireland travel insurance!

Month to month payments, no lock-in contracts, and no itineraries required: that’s the exact kind of insurance digital nomads and long-term traveller types need. Cover yo’ pretty little self while you live the DREAM!

Do I Need Travel Insurance For Ireland?

What should travel insurance in ireland cover, what is the best ireland travel insurance, how to choose the right ireland travel insurance for you.

So what’s the craic on travel insurance in Ireland? Do you need it and if so why? First of all, do note that this guide is specifically about the Republic of Ireland (Eire). For Northern Ireland, you may want to consult our Guide to UK Travel Insurance . Now, back to Ireland, where travel insurance is not a mandatory entry requirement. And in a country which doesn’t exactly shout out ‘danger,’ you might wonder if it’s necessary and worth the expense.

Crime rates are very low. In fact, most of the danger stems from one too many Guinnesses turning to a street brawl (it happens). However, as is the case with every place you visit, opportunistic crime does happen – even in the Emerald Isle. Airlines and tour operators can go bust in the blink of an eye. This happened to Flybe , Europe’s largest regional airline, very recently. It’s worth considering insurance, as travel disruption can result in a lot of lost money.

Ultimately, we encourage all travelers to consider insurance, regardless of the destination. Even if it’s the cheapest Ireland travel insurance you can find! It won’t seem like a waste of money if you need it.

Need more convincing? Check out these other reasons why you should have travel insurance !

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Healthcare in Ireland

Irish healthcare is adequate, overall, but statistics show it lags behind its European comrades. Waiting lists are lengthy, and beds are limited. However, should you need emergency treatment while in Ireland, you can rely on it. Ireland’s healthcare comprises highly-trained Irish doctors as well as international ex-pats.

The healthcare system is a mixture of public and private. Available for all Irish citizens, the former is funded by taxes. Those who have medical cards have access to free healthcare. Anyone else will be required to pay subsidized fees in the public sector. Meanwhile, 45% of the Irish population choose to take out private healthcare insurance. This way, they receive the highest level of care and do not have to deal with the timely waiting lists. In fact, Ireland has one of Europe’s highest populations who opt to go private.

Now, let’s get over to costs. For a routine or non-emergency appointment, the cost of seeing a GP in Ireland as a tourist ranges between  €40-60 ($37 – $55 USD). This covers the cost of the consultation. Blood tests, x-rays, and further investigation will cost more. Plus, the cost of any prescription medicine. Meanwhile, a trip to an emergency ward will cost you around €100 ($117 USD).  You will pay approximately €80 per night to stay in a hospital. Typically, Irish hospitals will treat you and then ask you to pay afterward, or refer them to your Ireland travel insurance provider.

Good news if you’re from the UK or another European country! You can apply for the free EHIC (European Health Insurance Card) before travel. This is provided free of charge and grants you access to subsidized, or sometimes free, emergency healthcare. But, EHIC recommends always traveling with travel insurance too, which covers medical and possessions.

Crime in Ireland

Crime in Ireland is low enough that the destination is popular with travelers and holidaymakers of all types. It’s a fabulous option to begin your solo backpacking lifestyle. The country has the 11th lowest homicide rate in Europe and the 23rd lowest in the world. In fact, in 2019, there was a decrease in homicides. However, attempted murder and sexual offences did increase (9% and 7% respectively). Irish cities are where most of the crimes occur, with Dublin, Limerick, and Cork city being among those with the highest reported incidents .

Property crime is your biggest contender while traveling in Ireland.  Keep your valuables secure on your person when sightseeing. Lock away all that you can in your hostel locker or safely in your guesthouse. Don’t leave valuables in your rental car either. The cheapest Ireland travel insurance will likely impose a surcharge for valuables, so check your small print in case you do end up needing to claim.

And finally, the drug trade is alive and well in Ireland. Dealing and trafficking are both crimes, which mainly occupy Dublin. An increase of 17.3% was observed in 2019. Stick to Guinness and castles, and you won’t find yourself in a pickle.

Issues Facing Travellers in Ireland

The first issue you’ll face in Ireland is deciphering an Irish accent over the jostling crowds of a Dublin Temple Bar brew, although your insurance won’t do much good there!

• Travel disruption – In terms of what your Ireland travel insurance can help you with, first up – the event that your airline goes bankrupt. It’s worth investing in some cover should this happen. If your flight is canceled, the best insurance for Ireland will see that your additional accommodation costs are covered while waiting for your new connection. They should reimburse you for the canceled flight, as well. Tour operators should be factored in here, too. They, too, can cancel schedules at the drop of a hat due to liquidation or unforeseen circumstances.
• Fluke natural disasters – Regarding natural disasters, Ireland’s soil is pretty much untouched. However, although you won’t find a volcano on the Emerald Isle, you might cross paths with the side effects. The eruption of Eyjafjallajökull in Iceland in 2010 grounded flights across Europe due to ash. Check out the terms of your Ireland travel insurance so you know what the deal is should a fluke incident like that occur. Besides that, flooding and landslides can occasionally form a roadblock in your itinerary and lead to missing a connection.
• Petty theft – And, as we’ve said, issues like pickpocketing and other property theft are worth taking under consideration. It is recommended that travel insurance for visitors to Ireland cover your valuables, passport, and euros.

Popular Activities in Ireland

Most of the things you’ll want to do in Ireland are safe, focused on culture and gentle sightseeing. We’d hope that shouldn’t result in a claim on your Ireland travel insurance. But if you’re after an adrenaline rush, check out some of the following ideas!

• Cycling – You could pootle around a city or gear up a mountain bike for an adrenaline rush through the gorgeous scenery! Ensure you are covered in the event your two-wheeler is stolen or vandalized. Helmets are not a legal requirement for cyclists in Ireland, but they are recommended. Some Ireland travel insurers may stipulate that you should wear one. Scout your coverage T&Cs before squeezing into your lycra.
• Surfing – Surfing is one of Ireland’s best-kept secrets ! Mullaghmore has one of the largest swells in the Atlantic Ocean for the most daring. Alternatively, there are plenty of beginner spots for novices to catch your first wave. But surfing is definitely one of the activities to check your insurance for Ireland holidays covers because coral and rocks can hurt.
• Renting a car – Before embarking on your self-drive road trip around Ireland, check your travel insurance provides comprehensive cover. You need to protect the hire car itself, any other cars involved, and your personal injuries. Not all travel insurance will cover car rental expenses by default, so read closely.

Things go wrong on the road ALL THE TIME. Be prepared for what life throws at you.

Buy an AMK Travel Medical Kit before you head out on your next adventure – don’t be daft!

In our experience, most Ireland travel insurance policies will probably include the following;

Emergency Accident & Sickness Medical Expenses

• Luggage and Personal Property

Emergency Evacuation and Repatriation

Non-medical emergency evacuation, trip cancellation, trip interruption.

We feel that these are the most common key terms to look out for when you are comparing different insurance policies. We will not examine each one of these to see what they actually mean.

Emergency Medical costs are perhaps the single most important aspects of any travel insurance policy. If you have an accident or become seriously ill with a tropical illness, you may want to rest easy knowing that the medical costs and Doctors bills will be taken care of.

Many of you may have never seen a medical bill. However, we have seen too many for our liking and believe us, they can get very expensive very quickly. A friend of mine was once charged $10,000 for a leg infection in Costa Rica. Even 2 days in a Thai hospital cost him nearly $2,000.00! Thankfully he was insured on both occasions.

Pre-existing medical and health conditions may not be covered under this or they may be covered for an additional premium.

Ideally, Emergency Accident & Sickness Medical insurance should offer at least $100,000.00 of coverage but some run into the millions. If you are visiting the US, then do have a serious think about this.

Baggage and Personal Property

Luggage and Personal property coverage covers the value of your bags and what’s in them. It is most commonly used for lost luggage and Many policies also extend this to cover “on the ground” theft which comes in very useful if you are robbed once you reach your destination.

The limits on this do vary between policies. However, the maximum value rarely exceeds $1000 with a maximum item value between – $250 – $500.

This is probably enough for many travellers. However if you travel with a lot of electrical gear (laptop & camera), or are packing golf clubs or something, you may also wish to think about taking out a separate gadget cover.

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Emergency evacuation covers the cost of sending you back to your home country in a hospital. Let’s say that the above mentioned tropical illness is a very nasty one, and the decision is taken to send you home for further treatment; this will take care of the high costs of flying you home on a drip.

Repatriation is the cost of sending your remains home in the rare event that you die on your trip. Repatriation costs are not a burden I would want to leave to my family. Whilst this is thankfully rare, I do come across Facebook or “Go Fund Me” campaigns for somebody’s body to be flown home.

Non-medical Emergency Evacuation is when you have to be evacuated because of some sudden crisis.  Examples are outbreak of war/civil unrest and natural disasters that decimate infrastructure such as the South Asian Tsunami of 2006.

In more recent times, the Corona COVID-19 outbreak created the biggest international emergency evacuation situation ever. (FYI – it straddled both the medical and non-medical evacuation boundaries).

Emergency evacuation insurance covers the costs of having to book an emergency flight home ( which can be seriously expensive) and will also cover accommodation costs if you end up being flown to a random, “safe” country rather than going straight home.

Having to cancel an adventure that you were truly excited for is painful. However, being left out of pocket just makes it worse. Trip Cancellation cover can help you to recover the ‘non-refundable costs’ of your trip such as flight and hotel costs. Visa’s are also in this category.

To clarify, you can’t claim this simply because you changed your mind about the trip or fell out with your travel buddy. Proper cancellation reasons are things like sickness, family emergencies, bereavement, natural disaster and war – you get the gist.

Trip Interruption is when something goes wrong, even interrupts, and you have additional costs to pay because of it. One example, when your pre-paid hotel falls down and you are forced to book another one. Another example is when your flight home is cancelled and you need a few extra nights at your hotel.

Anything Else?

The above are what we consider to be the basic, bare-bones of travel insurance policies. However, some policies do offer a few more aspects to them. The very best Ireland travel insurance policies may also include the following;

Adventure Sports and Activities

Please note that Adventure sports and activities are not covered by all travel insurance policies. The definition of adventure sports and activities really does vary between providers but for example, can include;

• Trekking (altitude is usually a factor here)
• Swimming with Whales
• Improvised football games….

If you are going to be doing anything remotely physical or outdoorsy on your trip, then it may be sensible to check that your insurance provider is covering it. Broken jaws hurt enough without having high medical bills attached to them.

Accidental Death and Dismemberment

Accidental Death & Dismemberment cover doesn’t cover any travel related expenses as such but instead it basically provides you (or your next of kin) with monetary compensation in the event that something happens to you.

If you die, your loved ones get a payout. Or, if you lose a digit, YOU get a payout. I mean, how much is a finger really worth to you anyway?

It’s kind of like having a bit of life cover attached to your travel insurance.

“Well dear, I’m afraid there is good new and bad news. The bad news is that your parents both died on their trip to Ireland. The good news is that you get $10k!”

Gear and Electronics Cover

Some insurance policies do cover electronic gadgets but others do not. Those that do, sometimes charge an additional fee and they also usually limit the maximum item value.

If you only travel with a phone or a tablet then your travel insurer may well cover it entirely. However, if like me you travel with a MacBook, then you may wish to consider obtaining gadget cover.

Personally, I have had separate gadget cover on my MacBook Pro for years.

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Whilst they may all seem the same, not all insurers are. Some insurers offer lower prices than others and others offer higher coverage amounts. Some are infamous for not paying claims whilst others are celebrated for being fair and helpful.

Travel insurers – always the same yet always different. It isn’t possible (or legal) for us to say that anyone of them is the best, or is “better” than the others. No. Insurance is a very complex product and any policy takes into account a whole lot of data and a wide set of variables.

Remember that the “best” travel insurance always depends on where you are going, when you are going there and ultimately upon you and your needs. The best travel insurer for one trip, may not be the best for a different trip.

Below, we will introduce a few of the many travel insurance providers on offer. These are all firms we have used ourselves over the years.

SafetyWing are a relatively new player in the travel insurance space but are already making big waves. They specialise in cover for digital nomads and they offer open ended cover on a monthly subscription basis. Because they primarily cover digital nomads, they don’t offer much in the way of trip cancellation or delay so do take that into consideration.

However, SafetyWing really excels on the health side of travel insurance, covering dental and some complimentary treatments. In fact they even allow young children to be covered for free.

If cancellation and delay is not a concern for you or if you will be spending some considerable time on your trip, then maybe SafetyWing are right for you

• Emergency Accident & Sickness Medical Expenses – $250,000
• Baggage and Personal Property – $3000
• Emergency Evacuation and Repatriation – $100,000
• Non-Medical Emergency Evacuation – $10,000
• Trip Cancellation -$0
• Trip Interruption – $5000

If you need more information or want to get a quote, then you can visit the website for yourself.

Talk about efficient and effective, Heymondo are up-to-date when it comes to combining travel insurance with technology in the digital world of 2024. What truly sets them apart is their assistance app offering a 24-hour medical chat, free emergency assistance calls and incident management. How reassuring is that?! They also have a convenient and complication-free way to make a claim straight from your phone.

Medical expenses are covered up to $10,000,000 USD so try not to damage yourself anything over that amount… If you’d like travel insurance that operates with that little extra swiftness and ease, give these guys a go. They offer multiple options – single trip, annual multi-trip and long stay. We’ve focused on single trip, but do check out the others and find what fits your next adventure.

• Emergency Accident & Sickness Medical/Dental Expenses –$10,000,000 USD
• Baggage and Personal Property – $2,500 USD
• Repatriation and Early Return – $500,000 USD
• Non-Medical Emergency Evacuation – $10,000 USD
• Trip Cancellation – $7,000 USD
• Trip Disruption – $1,500 USD
• Covid 19 coverage included in all plans

If you need more convincing, click our link below to get 5% off your Heymondo travel insurance plan!

Columbus Direct

Named after one of history’s greatest (and most divisive explorers), Columbus Direct also specialise in insuring adventure-hungry explorers like us. They have been providing award-winning insurance for 30 years. What we like about this plan is that it does cover small amounts of personal cash. However, Gadget Cover is not available.

Columbus Direct actually offers a number of different travel insurance plans. Below we have focused on 1 of these and have set out the coverage amounts for the Globetrotter plan.

• Emergency Accident & Sickness Medical Expenses – $1,000,000
• Baggage and Personal Property – $750
• Emergency Evacuation and Repatriation – $1,000,000
• Non-Medical Emergency Evacuation – $0
• Trip Cancellation -$1,000
• Trip Interruption (“Catastophe”) – $750

World Nomads

World Nomads have been insuring backpackers for years now. World Nomads specialise in backpacker travel insurance and their policies cover long way travel on one way tickets, trips to multiple countries and a whole lot of adventure activities. These guys are well used to dealing with backpackers like us, and they are regularly recommended by travel bloggers and industry insiders. We love them.

They offer 2 different policies depending on your needs. The Standard Plan is standard & the Explorer Plan covers a whole host of high risk, high fun activities. World Nomads are also one of the few travel insurers who will write you a policy after starting your trip. The one downside for us is that they don’t cover Pakistan.

Let’s look at the maximum coverage amounts a World Nomads travel insurance plan can offer with both the Standard & Explorer plan.

• Emergency Accident & Sickness Medical Expenses -$100,000/$100,000
• Baggage and Personal Property – $1000/$3000
• Emergency Evacuation and Repatriation – $300,000/$500,000
• Non-Medical Emergency Evacuation – $25,000/$25,000
• Trip Cancellation -$2500/$10,000
• Trip Interruption – $2500/$10,000

If you want more info or to get a quote then visit the World Nomads site for yourself and take a look.

Iati Seguros

Iati Seguros is a Spanish based travel insurance company who we have personally used and loved. You will notice that they provide competitive cover amounts for the key travel insurance areas, and are competitively priced. So far we have heard nothing but good things about them.

They also offer multiple ones, but we have focused on the Standard Plan although we wholly encourage checking out all plans for yourself to identify the best one for your needs.

Standard Plan

• Emergency Accident & Sickness Medical Expenses – $200,000
• Baggage and Personal Property – $1000
• Emergency Evacuation and Repatriation – 100% of cost
• Trip Cancellation -$1,500
• Trip Interruption – 100% of cost

Insure My Equipment

Insuremyequipment.com does precisely what the name suggests. They are an online insurer for expensive equipment (like camera gear & gold clubs). You can use them to get specific pieces of gear insured but please bear in mind this policy is only for your specified gear.

An Insure My Equipment policy works well in combination with other travel insurance. Insure My Equipment policies are an excellent choice for professionals and backpackers with more $0000’s worth of camera equipment, expensive laptops or fishing rods.

I also know a few travelling musicians and DJs who use these guys so you are in cool company.

Choosing the right travel insurance for your Ireland holiday is like choosing a wife, it is something only you can decide (unless your Indian in which case your parents will do it) . You need to work out how much your trip is worth, how much equipment you plan to take and what activities you intend to engage in.

And of course, you need to ask yourself how much can you afford – how much you can afford to pay for cover, and how much you can afford to be out of pocket in the unlikely event of a claim. Sometimes, the cheapest Ireland travel insurance will be enough and sometimes it will be worth spending a bit more. Hopefully the information provided in this post will help you to decide – if not, then I just wasted 5 hours of my life in writing it!

Safety in Ireland Backpacking Ireland

Is Ireland Expensive? Where To Stay in Ireland

Final Thoughts on Ireland Travel Insurance

Well done, you made it all the way to the end! Now you’ve brushed up on your Ireland travel insurance need-to-knows, over to more interesting topics. It’s time to plan what you’re going to do in this remarkable country. We can help you out there, too.

Have a leaf through the rest of our Ireland travel content. We’ll tell you the best places to stay, the top attractions you shouldn’t miss, and restaurants you have to check out – everything you need in order to make the most of your time on the Emerald Isle! Safe travels in Ireland.

And for transparency’s sake, please know that some of the links in our content are affiliate links . That means that if you book your accommodation, buy your gear, or sort your insurance through our link, we earn a small commission (at no extra cost to you). That said, we only link to the gear we trust and never recommend services we don’t believe are up to scratch. Again, thank you!

Aiden Freeborn

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Update April 12, 2024

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Before You Go

Learn About Your Destination

While Abroad

Emergencies

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Travel Advisory July 26, 2023

Ireland - level 1: exercise normal precautions.

Reissued with obsolete COVID-19 page links removed.

Exercise normal precautions in Ireland.

Read the country information page for additional information on travel to Ireland.

If you decide to travel to Ireland:

• Enroll in the  Smart Traveler Enrollment Program  ( STEP ) to receive Alerts and make it easier to locate you in an emergency.
• Follow the Department of State on  Facebook  and  Twitter .
• Review the  Country Security Report  for Ireland.
• Visit the CDC page for the latest Travel Health Information related to your travel.
• Prepare a contingency plan for emergency situations. Review the Traveler’s Checklist .

Embassy Messages

View Alerts and Messages Archive

Quick Facts

Must be valid for the duration of your stay in Ireland

Must have at least one page

No visa required. U.S. citizens can enter visa-free for tourism or business stays of up to 90 days.

10,000 Euros or equivalent

Embassies and Consulates

U.S. Embassy Dublin 42 Elgin Rd Ballsbridge Dublin 4 Ireland Telephone: +(353) (1) 668-8777 Emergency after-hours telephone: +(353) (1) 668-8777 Email: [email protected]

Destination Description

See the Department of State’s Fact Sheet on Ireland for information on U.S.-Ireland relations.

Entry, Exit and Visa Requirements

Visit the Embassy of Ireland’ s website for the most current visa information.

• You must have a valid passport to enter Ireland. U.S. citizens can enter visa-free for tourism or business stays of up to 90 days.
• There is no minimum passport validity requirement for U.S. citizens entering Ireland. We recommend you have a passport that is valid for the duration of your stay, evidence of sufficient funds to support your stay in Ireland, and a return airline ticket.
• An increased number of U.S. citizens have been refused entry to Ireland or granted a limited stay because they failed to sufficiently demonstrate their travel intent to Irish immigration officials at the port of entry . You may be asked to provide evidence of sufficient funds to support your stay in Ireland regardless of your purpose of travel. For any travel other than tourism, please ensure you obtain the appropriate documentation prior to travel. You can find more information at the Irish Naturalization and Immigration Service website or by contacting your nearest Irish Embassy or Consulate in the United States .

We cannot intervene on your behalf when applying for a visa or residency permit, nor can we assist if you are denied entry into Ireland.

Traveling Through Europe : If you are planning to visit or travel through European countries, you should be familiar with the requirements of the Schengen Agreement.

• Ireland is not a full member of the Schengen Area, which means that if you travel to Ireland from the Schengen Area, you are required to show your passport.
• Your passport should be valid for at least three months beyond the period of stay if you plan on transiting a Schengen country.
• You will need sufficient proof of funds and a return plane ticket .
• For additional information about visas for the Schengen area, see the Schengen Visa page.

The U.S. Department of State is unaware of any HIV/AIDS entry restrictions for visitors to Ireland or for foreign residents of Ireland.

Find information on dual nationality , prevention of international child abduction , and customs regulations on our websites.

Safety and Security

Terrorism : Terrorist groups and those inspired by such organizations are intent on attacking U.S. citizens abroad. Terrorists are increasingly using less sophisticated methods of attack – including knives, firearms, and vehicles – to more effectively target crowds. Frequently, their aim is unprotected or vulnerable targets, such as:

• High-profile public events (sporting contests, political rallies, demonstrations, holiday events, celebratory gatherings, etc.)
• Hotels, clubs, and restaurants frequented by tourists
• Places of worship
• Shopping malls and markets
• Public transportation systems (including subways, buses, trains, and scheduled commercial flights)

Crime : Although Ireland has a low rate of violent crime, you should always follow common sense personal security practices and maintain awareness of your surroundings when traveling.

• Rates of theft and petty crime have risen in recent years, and thieves often target tourists. In rare cases, these crimes involve physical assault or violence, more commonly in Dublin city center and in popular tourist areas.
• Rental cars are frequently targeted. They are easily identifiable by the rental company stickers on the rear window of the vehicle. If possible, remove these stickers and always lock your car when leaving it unattended. Do not leave valuables unattended in vehicles. When visiting city center areas, park your car in a secure car park and retain the parking ticket on your person.
• Keep car doors locked while driving. Don’t leave luggage or valuables visible inside a parked car and don’t leave luggage on a roof rack. When picking up and dropping off your rental car, do not leave the keys in the ignition while loading or unloading luggage.
• When using ATMs, protect your PIN at all times and look closely at ATMs for evidence of tampering before use. Criminals may use small electronic devices attached to the outside of ATMs called “skimmers” to steal the ATM or credit card data.
• In busy areas, thieves use distraction techniques at ATMs, such as waiting until the PIN has been entered and then pointing to money on the ground or asking for loose change. While the ATM user is distracted, another person will quickly withdraw cash and leave. If you are distracted in any way, cancel the transaction immediately.
• When using credit cards to pay at restaurants, a portable card reader should be brought to your table. Restaurant staff should not take your card elsewhere to process a charge.

International Financial Scams : See the Department of State and FBI pages for information on scams.

Victims of Crime:

• Report crimes to the local police at 999 or 112 and contact the U.S. Embassy at +(353) (1) 668-8777.
• U.S. citizen victims of sexual assault are encouraged to contact the U.S. Embassy for assistance.
• Remember that local authorities are responsible for investigating and prosecuting crimes.

See our webpage on help for U.S. victims of crime overseas .

• Help you find appropriate medical care
• Assist you in reporting a crime to the police
• Contact relatives or friends with your written consent
• Provide general information regarding the victim’s role during the local investigation and following its conclusion
• Provide a list of local attorneys .
• Provide our information on victim’s compensation programs in the United States
• Provide information on victims compensation programs in Ireland:
• The Irish Tourist Assistance Service (ITAS) is a free nationwide service offering support and assistance to tourists who are victimized while visiting Ireland. If you are a tourist victim of crime, report the incident to the nearest Garda (Irish police) station, and they will help you contact ITAS.
• Provide an emergency loan for repatriation to the United States and/or limited medical support in cases of destitution
• Help you find accommodation and arrange flights home
• Replace a stolen or lost passport

Domestic Violence : U.S. citizen victims of domestic violence are encouraged to contact the Embassy for assistance.

Tourism : The tourism industry is generally regulated, and rules are regularly enforced. Hazardous areas/activities are identified with appropriate signage and professional staff is typically on hand in support of organized activities. In the event of an injury, appropriate medical treatment is widely available throughout the country. Outside of a major metropolitan center, it may take more time for first responders and medical professionals to stabilize a patient and provide life-saving assistance. U.S. citizens are encouraged to purchase medical evacuation insurance. See our webpage for more information on insurance providers for overseas coverage .

Local Laws & Special Circumstances

Criminal Penalties : You are subject to local laws. If you violate local laws, even unknowingly, you may be expelled, arrested, or imprisoned. Individuals practicing a profession that requires additional permits or licensing should seek information from the competent local authorities prior to practicing.

Furthermore, some laws are also prosecutable in the United States, regardless of local law. For examples, see our webpage on crimes against minors abroad and the Department of Justice website .

Arrest Notification : If you are arrested or detained, ask police or prison officials to notify the U.S. Embassy immediately. See our webpage for further information.

Currency in Ireland:  The currency used in Ireland is the Euro. U.S. dollars are not legal tender in Ireland and are not an accepted form of payment. There are limited locations to exchange U.S. dollars when in Ireland, should you travel with cash.  Payment by credit card and Apple pay is widely accepted throughout Ireland. However, it is important to note that not all U.S credit cards are universally accepted. Most Irish banks will not accept U.S. $100 bills. Many Irish financial institutions no longer accept or cash traveler’s checks. ATMs are widely available, but some, particularly in rural areas, may not accept debit cards from U.S. banks.

Faith-Based Travelers : See the following webpages for details:

• Faith-Based Travel Information
• International Religious Freedom Report – see country reports
• Human Rights Report – see country reports
• Hajj Fact Sheet for Travelers
• Best Practices for Volunteering Abroad

LGBTQIA+ Travelers : There are no legal restrictions on same-sex sexual relations or the organization of LGBTQIA+ events in Ireland.

See our LGBTQIA+ Travel Information page and section 6 of the Department of State’s Human Rights report for further details.

Travelers with Disabilities: The law in Ireland prohibits discrimination against persons with disabilities, and the law is enforced. Social acceptance of persons with disabilities in public is as prevalent as in the United States. However, individuals with disabilities may find accessibility and accommodation different from what is offered in the United States.

• Government Buildings : Irish law requires access to government buildings for persons with disabilities, and this requirement is enforced. Under Irish law, public service providers should ensure the service is accessible to those with mobility, sensory, and/or cognitive impairments.
• Parking : On-street parking, public building parking lots, and internal parking lots always have a certain number of disabled spaces available. A permit is required to use these spaces, and information on applying for the permit can be found on the Disabled Drivers Association of Ireland website . Local authorities and commercial premises, such as shopping outlets, have no legal obligation to provide external disabled parking facilities for their customers.
• Buses and Trains : The majority of buses and trains in the main city areas of Ireland are now equipped for those with limited mobility, sight, or hearing disabilities, although some train stations and pathways may not be as easily accessible.
• Mainline and Suburban Trains : Portable ramps permit boarding from platforms to the carriages. These ramps are available at all terminal points and major junctions and stations that have staff on duty. They are also available on some trains. Travelers are advised to contact Irish Rail in advance to ensure such facilities are available. The website for Dublin Bus provides information on its travel assistance scheme. Regional and intercity bus services are provided by Bus Eireann
• Private Businesses : Accessibility in private businesses – such as hotels, bed and breakfasts, shops, and restaurants – varies widely. Travelers should inquire about accessibility issues with businesses before making reservations.
• Disability Allowance : People who live in Ireland and meet the medical conditions for a disability allowance may apply for free travel passes; there is also a blind/invalidity pension from the Irish Department of Social Protection for those who qualify.

Students : See our Students Abroad page and FBI travel tips .

Women Travelers : See our travel tips for Women Travelers .

As of March 6, 2022, the Government of Ireland removed all COVID-19 related travel restrictions to enter Ireland. Non-Irish citizens no longer need to complete a passenger locator form or provide proof of vaccination, or a COVID-19 test.

Patients who do not receive benefits from Ireland’s Department of Social Protection are expected to pay all costs up-front at the time of treatment and apply for reimbursement from their insurance provider later.

• Modern medical facilities and highly skilled medical practitioners are available in Ireland.
• Expect long waits for access to medical specialists and admissions to hospitals for non-life-threatening medical conditions. It is not unusual for emergency room services to be very busy or for post-treatment admissions to include a long wait (sometimes overnight) on a gurney in a hallway.
• We advise you carry your medical history, along with a detailed list of any medication you currently take (including dosage and brand name) in your wallet or purse and luggage.
• Most types of over-the-counter medications are available, but many U.S. brands are not. Some medications available over the counter in the United States may require a prescription in Ireland.
• Irish pharmacists may not be able to dispense medication prescribed by U.S. physicians and may direct you to obtain a prescription from an Irish doctor.
• A list of Irish general practitioners in each area of Ireland may be obtained from the website of the Irish College of General Practitioners .
• Ambulance services are widely available.

For emergency services in Ireland dial 112 or 999.

The Department of State does not pay medical bills . Be aware that U.S. Medicare/Medicaid does not apply overseas. Most hospitals and doctors overseas do not accept U.S. health insurance.

Medical Insurance: Make sure your health insurance plan provides coverage overseas. Most care providers overseas only accept cash payments. See our webpage for more information on insurance providers for overseas coverage. Visit the U.S. Centers for Disease Control and Prevention website for more information on the type of insurance you should consider before you travel overseas.

We strongly recommend supplemental insurance to cover medical evacuation.

Always carry your prescription medication in original packaging, along with your doctor’s prescription. Check with the Government of Ireland to ensure the medication is legal in Ireland.

Vaccinations : Be up-to-date on all vaccinations recommended by the U.S. Centers for Disease Control and Prevention.

Pharmaceuticals :

• Visitors to Ireland may bring up to 3 months’ supply of prescription medicines with them for their own personal use. We recommend that travelers bring the prescription medicines in their original packaging, with their name clearly displayed. This should be accompanied by their prescription or a copy of it, and/or a letter from their doctor and/or dispensing pharmacist outlining their condition and stating that the medicines are for their own personal use. This information should be inside the package in which the medication is being transported, as a means of proving the legitimacy of consignment for importation to Ireland. It should be noted that the Irish Customs Authority has the final say in all such matters.
• Schengen residents are required to have an Article 75 Schengen Certificate for prescribed narcotics and/or psychotropic substances on entry into Ireland if travelling from a Schengen area country.
• U.S. Customs and Border Protection and the Food and Drug Administration are responsible for rules governing the transport of medication back to the United States. Medication purchased abroad must meet their requirements to be legally brought back into the United States. Medication should be for personal use and must be approved for usage in the United States. Please visit the U.S. Customs and Border Protection and the Food and Drug Administration websites for more information.

Further health information:

• World Health Organization
• U.S. Centers for Disease Control and Prevention (CDC)

Water Quality

Tap water quality is potable and contains fluoride

Air Quality

Air quality is good. Visit AirNow Department of State for information on air quality at U.S. Embassies and Consulates

General Health

Colds and other upper respiratory infections are common, but no more so than in comparable climates of the U.S. However, due to the damp climate, common cold symptoms may last longer than expected and mold can be an issue in buildings.

The U.S. Embassy maintains a list of doctors and hospitals. We do not endorse or recommend any specific medical provider or clinic.

Travel and Transportation

Road Conditions and Safety:

• Cars drive on the left side of the road in Ireland . If you do not have experience driving on the left, you should be especially cautious as tourists driving on the incorrect side of the road are the cause of serious accidents each year.
• Road conditions are generally good, but once you exit the main highways, roads are likely to be narrow, uneven, and winding . Roads are more dangerous during the summer and on holiday weekends. Drivers should be attentive to cyclists and pedestrians, particularly in urban areas.
• Most intersections in Ireland use circular “roundabouts” instead of traffic lights, and it is important that drivers pay close attention to signs and yield the right of way to those already in the roundabout.
• Most rental cars in Ireland have manual transmissions ; it can be difficult to find automatic transmission rental cars.

Traffic Laws : Police periodically set up roadblocks to check for drunk drivers. Penalties for driving under the influence can be severe .

• At stoplights, turning on a red light is illegal ; you must wait for either a full green (any direction turn permitted) or directional green light (which could be straight, left, or right) before proceeding with caution.
• You may use your existing U.S. driver’s license in Ireland for a temporary stay, up to one year . Some insurance and car rental companies may request an International Driving Permit in addition to your existing driver’s license. To apply for an International Driving Permit, please contact the American Automobile Association . You are required to apply for an Irish driver’s license if you become a resident of Ireland.
• Travelers planning to drive to Northern Ireland are subject to UK traffic laws while in Northern Ireland . Traffic signs may be different than in the Republic of Ireland. Consult the United Kingdom Country Information page for more information on traffic laws in Northern Ireland.

Public Transportation :

• Intercity bus and train services are generally good. Most large towns and cities are connected by rail or bus. Train and bus services are more limited in rural areas between small towns.
• City bus services are generally adequate, although many buses are crowded, frequently run late, and lines do not necessarily link easily. Pay close attention to bus stop locations in both directions, as the drop-off and pick-up locations could be several blocks away from each other.
• You can review available train, tram, and bus services through the National Transport Authority’s website www.transportforireland.ie .
• Taxis are widely available in Dublin city center. Taxi rates vary by time of day and location. Ask your hotel for the number of a call-dispatched taxi service if you plan to be out during less busy times. Outside of Dublin, taxis are fewer, and it will likely be necessary to call a taxi company or use one of the several available rideshare apps operating in Ireland.

See our Road Safety page for more information. Visit the website of the Irish Tourism Board and the website for the National Roads Authority of Ireland , which is responsible for road safety.

Aviation Safety Oversight : The U.S. Federal Aviation Administration (FAA) has assessed the government of Ireland’s Civil Aviation Authority as being in compliance with International Civil Aviation Organization (ICAO) aviation safety standards for oversight of Ireland’s air carrier operations. Further information may be found on the FAA’s safety assessment page .

Maritime Travel: Mariners planning travel to Ireland should check for U.S. maritime advisories and alerts . Information may also be posted to the U.S. Coast Guard homeport website , and the NGA broadcast warnings website .

For additional travel information

• Enroll in the  Smart Traveler Enrollment Program (STEP)  to receive security messages and make it easier to locate you in an emergency.
• Call us in Washington, D.C. at 1-888-407-4747 (toll-free in the United States and Canada) or 1-202-501-4444 (from all other countries) from 8:00 a.m. to 8:00 p.m., Eastern Standard Time, Monday through Friday (except U.S. federal holidays).
• See the  State Department’s travel website  for the  Worldwide Caution  and  Travel Advisories .
• Follow us on  Twitter  and  Facebook .
• See  traveling safely abroad  for useful travel tips.

Review information about International Parental Child Abduction in Ireland . For additional IPCA-related information, please see the International Child Abduction Prevention and Return Act ( ICAPRA ) report. 

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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

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.

• 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.

• 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)!

• 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.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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What's on this page?

• Healthcare in Ireland

Vaccinations

• Travel insurance

Pharmacies and opticians

Good to know.

Ireland has great healthcare, but there are a few things to keep in mind before you go. If you’re bringing medicines with you into Ireland, carry them in their original, clearly labelled container, along with your prescription or a letter from your doctor.

It’s a rule of thumb that anything over a three-month supply of medicine will be questioned and any “controlled drugs” as well as any syringes or needles, should be declared and explained in a letter from your doctor.

Downhill Strand, County Londonderry

There are no vaccinations required for travel to the island of Ireland.

Travel and medical insurance

You should always obtain travel insurance to cover any potential overseas medical costs including medical repatriation/evacuation, repatriation of remains and legal costs, before you travel. Be sure to check for any exclusions that might affect your policy and that it covers all the activities you plan on doing in Ireland, and make sure that your travel insurance has medical cover. If you’re a member of the 28 EU countries or Iceland, Lichtenstein, Norway and Switzerland, bring a European Health Insurance Card (EHIC), which covers you for most medical care. If you’re travelling from Great Britain, bring a Global Health Insurance Card (GHIC).

There are plenty of pharmacies in Ireland, and they’re a good first stop for travelers seeking medical advice or a local referral. Most towns have one or two pharmacies and urban areas have many. Pharmacies generally operate from 9am to 6pm Monday to Saturday, but many pharmacies in urban areas open late and on weekends.

If you wear glasses or contact lenses, bring a spare pair with you and don’t forget your optical prescription – just in case.

• Immigration

Essential Documents for Traveling to Ireland

If you're planning to visit ireland, it's important to have the necessary documents with you. make sure to carry your passport, visa (if required), travel insurance, driver's license (if you plan to rent a car), and any necessary medical documents. these documents are essential for a smooth and hassle-free travel experience in ireland. don't forget to double-check the specific requirements based on your country of origin and the purpose of your visit..

Key Takeaways:

Ensure a smooth trip to Ireland with these essential documents: valid passport, travel insurance , and visa if required.

Essential Documents for Your Trip to Ireland

If you’re planning a trip to the Emerald Isle, preparing the necessary documentation is essential to ensure a smooth and enjoyable visit. Whether you’re traveling for tourism, business, or to see family and friends, here’s what you’ll need to pack alongside your suitcase to gain entry into Ireland.

Valid Passport

A valid passport is non-negotiable for international travel . Make sure your passport is up to date and has at least six months remaining before expiry from the date you plan to leave Ireland. This is a standard requirement for entry into many countries.

Travel Insurance

Though not mandatory, having travel insurance is highly recommended. This can cover unexpected medical expenses, trip cancellations, or lost luggage, providing you with much-needed peace of mind. Be sure your policy suits your travel needs.

Visa (if required)

Also of Interest:

France airport transit visa guide: air & seafarers info, germany airport transit visa: requirements, application steps.

Depending on your nationality, you may need to apply for a visa to enter Ireland. Check the Irish Naturalisation and Immigration Service (INIS) website to see if you require a visa and the application process involved.

Proof of Funds

Upon arrival, you might be asked to show proof of sufficient funds for the duration of your stay. This can include:

• Bank statements
• Traveler’s checks
• Credit cards

Having this evidence readily available can help ensure a seamless entry.

Return or Onward Travel Documentation

Ireland will want to ensure that you plan on leaving their country before your permission to stay expires. For this, you’ll need proof of return or onward travel, typically a return plane ticket or an itinerary that shows you leaving Ireland.

Accommodation Information

Immigration officers may ask where you’ll be staying. So, keep handy the details of your accommodation, which may include:

• Hotel booking confirmations
• An invitation letter and address if staying with friends or family
• Contact information for a tour group or organizer, if applicable

Additional Documents for Business Travelers

For those traveling on business, you should also bring:

• An invitation letter from the company you’re visiting in Ireland
• Documents that outline the nature of your business, like conference details or training materials

Staying informed about the latest immigration requirements is crucial, so always check for updates before traveling. To learn more, visit the official Irish Government website or the INIS page for the latest information on visa requirements and travel advice.

Traveling to a new country can be a magical experience, and being prepared with the right documents helps ensure Ireland will welcome you with open arms (and no unnecessary delays at immigration). Pack these documents with the same care as you would your clothes and gadgets, and you’ll be set to make the most of everything Ireland has to offer.

So, there you have it, my friend! Your essential checklist for traveling to Ireland. Don’t forget your passport, travel insurance, and any required visas. Show them the money, prove you’re leaving, and let them know where you’ll be crashing. Oh, and if you’re a business traveler, bring those extra documents too. Check out visaverge.com for more useful tips and info. Happy travels, and may the luck of the Irish be with you! Cheers!

FAQ’s to know:

FAQ 1: What documents are essential for traveling to Ireland?

To travel to Ireland, you will need a valid passport, travel insurance (recommended but not mandatory), and a visa if required. You should also have proof of sufficient funds, documentation of return or onward travel, and information about your accommodation. Business travelers may require additional documents such as an invitation letter and details about their business purpose.

FAQ 2: How long should my passport be valid to travel to Ireland?

Your passport should be valid for at least six months beyond the date you plan to leave Ireland. This is a standard requirement for entry into many countries, including Ireland. Ensure that your passport meets this requirement before your trip.

FAQ 3: How can I check if I need a visa to enter Ireland?

To determine if you need a visa to enter Ireland, check the Irish Naturalisation and Immigration Service (INIS) website. They provide the latest information on visa requirements and the application process. Depending on your nationality, you may or may not need a visa, so it’s important to research and check the INIS website for accurate and up-to-date information.

What did you learn? Answer below to know:

• True or False: A valid passport is the only document required for traveling to Ireland. (Keywords: traveling to Ireland, valid passport)
• Which document is highly recommended but not mandatory for travel to Ireland? a) Visa b) Travel insurance c) Proof of funds d) Accommodation information (Keywords: travel to Ireland, highly recommended, travel insurance)
• What documentation may be required to prove that you plan on leaving Ireland before your permission to stay expires? a) Bank statements b) Hotel booking confirmations c) Return plane ticket d) Invitation letter from friends or family (Keywords: leaving Ireland, proof of onward travel)

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• Key takeaways

Do I need travel insurance to visit Ireland?

Our top picks for the best travel insurance for ireland, ireland travel information & requirements, why ireland travel insurance is important , what types of travel insurance do i need for ireland, what isn’t covered by travel insurance for ireland, how much does travel insurance for ireland cost, tips for getting the best ireland travel insurance, faqs: ireland travel insurance, related topics.

Travel Insurance for a Trip to Ireland: Compare Plans & Prices

• Ireland does not accept U.S. health insurance, including Medicare. Therefore, at a minimum, we recommend you buy travel medical insurance for your trip to Ireland.
• Many travelers aren’t aware that Ireland has some occasional political unrest, pickpockets, tourist scams, and a lack of medical facilities in some rural areas.
• To protect yourself and your belongings, it’s a good idea to buy a comprehensive travel insurance plan that can cover these risks.
• Based on our research, our top picks for the best Ireland travel insurance come from Seven Corners, Generali Global Assistance, and Detour Insurance ( skip ahead to view these plans ).
• To help you find the best travel insurance policy for your trip to Ireland, try using an online comparison tool to look at coverage options and prices from multiple providers.

Our top picks for the best ireland travel insurance

• Seven Corners: Best Rated Robust Coverage
• Generali Global Assistance: Best Rated Plan for Emergency Assistance
• Detour Insurance: Best Value Coverage

Seven Corners

Generali global assistance, detour insurance.

Although Ireland has no laws requiring travelers to purchase insurance before they arrive, we recommend all American travelers to Ireland buy a travel insurance policy before leaving. 

The main reason for this is that U.S. healthcare plans do not work abroad and paying a hospital bill in Euros can add up very quickly . So, travel insurance is well worth the cost . Additionally, travel insurance can reimburse you for prepaid, nonrefundable expenses if your trip is canceled or cut short due to a reason stipulated in the policy. It can also cover the cost of hospital bills and medical transport back to the U.S. if needed.

Best Rated Robust Coverage

Why we like it.

• Offers coverage for pre-existing conditions
• Money-back guarantee
• Cancellation & Interruption coverage standard
• Covers action sports & equipment
• Cancel for any reason not included standard
• Must meet waiver for pre-existing conditions to be covered

Best Rated Plan for Emergency Assistance

• High emergency medical and medical evacuation coverage
• Cancelation & interruption coverage
• Offers hurricane and weather coverage
• Extensive loss or delay coverage.
• No pre-existing condition coverage

Best Value Coverage

Are there covid-19 restrictions for u.s. tourists.

As of March 2022, Ireland has no entry restrictions related to COVID-19 . You don’t need to provide proof of vaccination, take a COVID-19 test or quarantine when you arrive at your destination.

Do I need a visa or passport to travel to Ireland?

To travel to Ireland, you must have a valid U.S. passport. You don’t need a visa for leisure trips of any length, but you do need one for any business trip lasting longer than 90 days.

Is it safe to visit Ireland?

The U.S. State Department has issued a Level 1 travel advisory for Ireland, which indicates the lowest level of risk. Ireland has low rates of violent crime, but you should still pay attention to your surroundings and take steps to protect your belongings against theft and vandalism.

Risk of political unrest

Although Ireland has the lowest travel advisory level, you may be shocked to find that there is some risk of political unrest. This risk is especially high at the border separating Northern Ireland from the Republic of Ireland. During your visit, you may also encounter anti-war protests, making it important to stay aware of your surroundings. Many comprehensive travel insurance plans can cover cancellations or interruptions due to domestic terrorism or civil unrest. 

Exploring isolated rural areas

Many people travel to Dublin, but Ireland also has numerous remote villages and counties. If you plan to travel to one of them, carrying medical evacuation insurance is important. This type of travel insurance pays to transport you to the nearest adequate medical facility if you’re injured or come down with a serious illness. Many policies also cover repatriation expenses, which are the costs of returning to the United States from a foreign country.

Risk of pickpockets and tourist scams

Pickpockets in Dublin and other large cities tend to target travelers who aren’t familiar with the area and therefore pay less attention to their wallets, handbags and other possessions. 

It’s important to note that travel insurance can cover stolen, damaged or lost belongings which can be a godsend if something happens to your stuff while traveling. It can even offer a stipend to replace clothing and other necessary items during your trip. While this may not replace sentimental or valuable items, it can at least ease your mind so your trip isn’t completely ruined.

At a minimum, we recommend you opt for a travel medical policy which covers medical expenses, medical evacuation costs, and cancellation for medical reasons. This is because American health insurance (including Medicare/Medicaid) doesn’t cover you abroad.

That said, here are some of the most useful types of travel insurance to have on hand when visiting Ireland:

Travel medical insurance

At a minimum, your travel insurance plan should include medical coverage. Travel medical insurance covers the cost of medical care you receive abroad. It can reimburse you for the cost of lab tests, X-rays, medications and other medical expenses. If you happen to get sick or injured while in Ireland, your insurance company will reimburse you for the cost of medical intervention, tests, and medications offered at the hospital. 

Medical evacuation insurance

Although Ireland is small, it’s quite rural. Medical evacuation insurance covers the cost of picking you up and transporting you to the nearest suitable medical facility if you’re injured or come down with a serious illness while you’re in a remote area. Therefore this coverage is important to consider for travel to Ireland.

Trip cancellation insurance

Comprehensive travel insurance plans will offer some form of trip cancellation coverage, and this type of protection is great to have for expensive trips overseas. Trip cancellation insurance can reimburse you for non-refundable travel expenses if you need to cancel your trip to Ireland before it even starts. For example, if you catch COVID shortly before your trip, you should be able to get reimbursed for what you spent on flights, hotels and other prepaid trip expenses. Trip cancellation insurance usually covers unforeseen circumstances, such as illnesses, injuries and deaths.

Optional CFAR insurance add-on

To ensure you’re covered for any type of cancellation, you can also purchase cancel for any reason (CFAR) insurance which allows you to cancel for any reason at all. This type of coverage is usually sold as an add-on to your policy and will reimburse you for around 50% to 70% of your total prepaid travel expenses.

Trip interruption insurance

If you have to cut your trip short due to a covered reason like injury or illness, trip interruption coverage can reimburse you for your prepaid non-refundable trip expenses for the remainder of your trip. 

Depending on the circumstances, your insurance company may also reimburse you for changing your new flights to get home early or re-route your trip once you are recovered. This may also include supplementing the cost of alternate hotel bookings, or cab fare. 

For example, if you miss several tours you already paid for due to a bout of food poisoning, you may be able to get back what you spent on admission and other fees by using trip interruption insurance.

Trip delay insurance

Much like trip cancellation insurance, trip delay insurance reimburses you for expenses incurred due to common carrier delays (airlines, bus lines, train companies, etc). Given that a delay can cause a massive domino effect on connections, hotels, tours, and car bookings, this type of insurance is key for overseas travel like Ireland. 

In most cases, you will be reimbursed if the delay reaches a minimum amount of time, such as six hours or 12 hours. For example, if your flight is delayed by 12 hours, you may have to stay in Ireland for an extra night. Trip delay insurance may cover your additional hotel, food and transportation costs. Note that this type of coverage may not be offered by cheaper travel plans . 

Insurance for personal items

Due to the amount of lost baggage and the increase in pick-pockets these days, insuring your personal items is key when traveling to Ireland. 

Some companies offer insurance for baggage and personal items (phone, computer, etc), giving you extra protection. If a covered item is lost or stolen during your trip, your insurer will reimburse you up to the coverage limit.

Rental car coverage

Rental car coverage can be very expensive when bought through the car rental agency. The good news is many travel insurance policies offer coverage for this as part of your travel policy. 

If you plan to rent a car in Ireland, it’s wise to purchase a policy with rental car coverage that can pay to repair a damaged rental vehicle. Most plans cover up to around $35,000 of damages.

When buying travel insurance for Ireland, you should know that it typically won’t cover the following scenarios:

• Claims resulting from intentional acts
• Expenses arising from illegal activities, alcohol, or drugs
• Expenses for medical tourism
• Normal bad weather
• Buying coverage after a storm has been named 

Additionally, some policies may have restrictions for the following

• Pre-existing medical conditions (see link for special policies)
• Some adventure sports (often an add-on coverage)

All of these scenarios vary by provider, so we recommend having a look at the “exclusions” section of each travel policy before you buy.

On the low end, travel insurance for a trip to Ireland can cost as little as around $1 a day. This type of policy will include basic medical and medical evacuation coverage.

For a policy that offers more protection, such as one with trip cancellation and interruption coverage, you can expect to pay around $7 to $11 per day.

To give you a better idea of how much travel insurance costs for a trip to Ireland, we got several quotes from top insurance providers.

Each quote is based on these trip details:

• Age: 35 years old
• Destination: Ireland
• Trip Length: 7 days
• Trip cost: $2,000

Our quotes for basic travel insurance are in this first table. The cheapest travel insurance costs less than $1 per day for this type of coverage.

Example Where Plan Doesn’t Reimburse the Full Trip Cost

For travel insurance that included trip cancellation and trip interruption coverage, we found that you can expect to pay around $7 to $11 per day. You can see our quotes for these more comprehensive coverage options in the following table.

Example Where Plan Does Reimburse the Full Trip Cost

Bear in mind that several factors affect the cost of Ireland travel insurance, such as:

• Trip cost: Trip cancellation insurance reimburses you for up to 100% of your prepaid, nonrefundable expenses, so the total cost of your trip affects your premium.
• Age: Older people are more likely to have medical emergencies when they travel, increasing the cost of their travel insurance. That said, there are some affordable policies made for senior travelers . 
• Destination: Some destinations are riskier than others. Insurers account for the increased risk by charging more for their policies.
• Coverage limits: Many companies offer multiple plans, giving you more control over your coverage. You’ll pay more for a plan with high limits than you will for a basic plan.

To get the best travel insurance for your trip to Ireland, follow these tips:

Shop around.

Don’t be afraid to compare several quotes to see if you can save money without sacrificing coverage.

Check with your credit card issuer.

Determine if you already have some travel insurance benefits. For example, many travel credit cards offer rental car protection.

Determine how much coverage you need.

If you don’t plan to participate in adventure sports, you probably don’t need to pay for a plan that includes coverage for mountain climbing, parasailing and other risky activities.

Can I use my American insurance in Ireland?

No. Medicare and Medicaid don’t cover any medical services received overseas. It’s also rare for a private health plan to cover expenses incurred outside the United States.

Therefore, we recommend you buy an affordable medical travel insurance policy at a minimum.

Can Americans get free healthcare in Ireland?

No. Irish citizens receive healthcare benefits through the Department of Social Protection, but these benefits aren’t available to tourists from other countries. You must pay all medical costs upfront or buy a travel insurance plan to cover the costs.

What documents do you need to travel to Ireland?

American travelers need a valid U.S. passport. You’ll also need a visa if you’re planning to stay in the country for more than 90 days.

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last 5 years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

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Healthcare for UK nationals visiting Ireland

How to get state healthcare when you’re on holiday or travelling to Ireland.

Coronavirus (COVID-19) travel advice

See the latest health advice for UK travellers following the outbreak of coronavirus (COVID-19).

Sign up for Ireland travel advice email alerts.

This information is about visiting Ireland. There’s different guidance for healthcare if you’re going to live, study or work in Ireland .

If you’re ordinarily resident in the UK, you can get ‘necessary healthcare’ from state healthcare services in Ireland during your visit.

‘Necessary healthcare’ means healthcare which becomes medically necessary during your stay, and you cannot reasonably wait until you’re back in the UK to get it.

This includes medically necessary treatment for a pre-existing or chronic condition. Some treatments will need to be pre-arranged with the relevant healthcare provider in Ireland, for example kidney dialysis or chemotherapy.

It does not include treatment that you travel to Ireland specifically to receive.

This is not a replacement for travel insurance. Take out travel insurance before your trip.

Not all state healthcare is free in Ireland and you may have to pay for services that you’d get for free on the NHS.

How to get healthcare in Ireland

When you use a health service, show one of the following alongside photo ID:

• UK-issued Global Health Insurance Card ( GHIC ) or European Health Insurance Card ( EHIC )
• UK driving licence
• UK biometric residence permit
• Northern Ireland voter’s card or medical card
• 2 documents showing your UK address (for example bank statement or utility bill) issued within 3 months

If you do not have valid documentation

If you need treatment and you do not have valid documentation, you can apply for a Provisional Replacement Certificate (PRC). This proves you’re entitled to healthcare in Ireland.

Call the Overseas Healthcare Services to apply for a PRC. This is part of the NHS Business Services Authority (BSA).

NHS Overseas Healthcare Services Telephone +44 (0)191 218 1999 Monday to Friday, 8am to 6pm

If you are unable to get a PRC, for example because you’re accessing healthcare outside of business hours, you’ll need to pay in full for treatment. You can then apply to the NHS Business Services Authority for reimbursement if your treatment meets the criteria for ‘necessary healthcare’.

What you’re entitled to

If you’re ordinarily resident in the UK, you can access medically necessary state health services on the same basis as an Irish resident. You may still need to pay a fee for some services, just like an Irish resident.

You will not have to pay for hospital care including A&E or inpatient treatment.

You’ll need to pay in full for private healthcare.

Travelling with a health condition

Buy travel insurance with healthcare cover for your condition.

Read the Money and Pensions Advice Service guidance for buying travel insurance for people with pre-existing medical conditions .

If your condition means that you’ll need treatment while you’re in Ireland, you may need to pre-arrange it. For example, if you need dialysis or oxygen treatment. Speak to your doctor in the UK for advice before you travel.

You cannot take some products prescribed for health conditions with you into the EU. These include special food required for medical reasons containing meat or dairy. There are some exemptions. Read more about taking animal products, food or plants with you into the EU on the Your Europe website.

Getting prescriptions

You can use a UK prescription to get medicines, including special food required for medical reasons, from pharmacies in Ireland.

You will have to pay in full for any prescription medicine.

Bringing medicine with you

You need a letter to prove your medicine is prescribed to you if it contains a ‘controlled drug’. You may need to show this at the border when you’re entering or leaving the UK.

You may also need a licence for controlled drugs if:

• your trip is longer than 3 months
• you’re travelling with more than 3 months’ supply

Read more about travelling with controlled medicines .

Travelling to have planned treatment

If you want to have planned treatment in Ireland, you can apply for NHS funding. For example, if you’re going abroad to give birth.

Read the NHS guide to seeking medical treatment abroad for more information on planned treatment.

Updated to reflect the rules on taking food prescribed for medical reasons to EEA countries and Switzerland.

Page updated to reflect healthcare arrangements for UK nationals visiting Ireland under the new rules of the UK’s deal with the EU. Now explains meaning of 'necessary healthcare'. Revised list of documents accepted as proof of UK residence.

Link to the latest coronavirus (COVID-19) travel advice added.

First published.

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