travel insurance over 80 ireland

Travel insurance

How to get travel insurance as you get older

As you get older, finding the right cover for your holiday can be tricky and expensive. Here’s how to get the right travel insurance without paying more than you need to.

Why it’s harder to get insurance when you’re older

As you reach your 70s and 80s, not only is travel insurance more expensive - finding cover tends to get more complicated.

This is because as we age, we’re more likely to need expensive medical care whilst on holiday, so some insurers don’t want to take on the extra risk.

Some standard travel insurance policies only cover those up to 65 years old. However, getting travel cover when you’re over 65 is still possible, but the choice may be more limited.

Who offers cover to those over 65s?

Whilst these insurers will offer you a quote for cover as a senior, the price will vary, so shop around to ensure you’re not paying more than you need to.

The following insurers all offer policies with a maximum age limit over 65:

Single trip cover tends to have higher age limits than annual travel or multi-trip insurance policies.

Watch out for cover restrictions

Not only will your travel insurance be more expensive as you pass 65, but you may not get the same level of cover as when you were younger.

Some insurers start to restrict the cover they will offer travellers over 65; this can include:

• Reducing the maximum trip duration
• Restricting the locations you’ll be covered for
• Reducing the medical cover limits

Always check the policy documents before you take out your cover so you know exactly what you’re paying for.

Can you get cover for pre-existing conditions?

Yes, but the choice is likely limited, and you’ll need to carefully check what is and isn’t included in your cover.

Unfortunately, the price of travel cover for pre-existing conditions can be high, but it could save you thousands of euros if you fall ill or need treatment while abroad.

Does having private medical care help?

Yes, it can, but some insurers only offer cover if you have private medical care in place, meaning you’ll have more choices and may get cheaper quotes.

Some insurers also offer a discount on your travel insurance quote if you already have private health cover.

How to get the right cover

Start by deciding what you need your travel insurance to include and what cover you can do without.

Once you know this, get as many quotes from different insurers as possible. While the choice may be more limited, shopping around could still help you save, especially because travel insurance is more expensive when you’re older.

For more help choosing the right type of cover read our guide: how to choose the best travel insurance policy

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You’ve worked hard all your life and now have the time to make some of those trips you’ve dreamed off. No matter what your age, we have simple travel insurance to suit your needs. Whether you’re planning a short city break, a week in the sun or a trip of a lifetime to exotic locations, then First Ireland Travel insurance 70+ provides insurance options that protects you and your holiday.

Choose from either our single or multi trip policies. Relax and un-wind in the knowledge that you’re protected against unexpected medical problems or mishaps which may arise during your trip. Have peace of mind knowing you’ll have 24/7 emergency medical and travel assistance support, staffed by travel assistance experts.

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Why Choose Us

Personal belongings.

Travel Insurance offers cover for loss or theft of your personal belongings including your baggage, passport, personal money or travel documents.

Cancellation

Travel Insurance can cover trip cancellations for reasons such as unforeseen emergencies as illness, injury or death of you, your traveling companion and/or a relative. The cover does not include cancellation due to business obligations, change of mind or your dislike of the travel time. In addition, pre-existing medical conditions are not covered. Remember this cover starts from the moment you buy your travel insurance, so it’s important to buy it once your trip is booked.

Missed Departures

Travel Insurance will cover you in case you miss your departure due to conditions you cannot control like severe weather conditions, unexpected accidents, strikes etc.

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Single Trip

Single trip insurance is best if you’re planning a one-off trip. We recommend you arrange your travel insurance when you book your holiday as cancellation cover applies from the time you pay your premium! Don’t worry if your return to Ireland is unavoidably delayed as once the circumstance is covered by your policy, then your cover date will automatically extend for the period of your delay. Long-stay travel insurance up to 365 days is also available as part of our single trip insurance options.

Annual Multi Trip

If you’re a frequent traveller, then Multi trip Insurance is probably the most competitive travel insurance for you. Multi-trip is an annual travel insurance policy. Just select your cover date and destinations that suit your annual travel plans.

Types of Covers & Benefits

• Baggage €500
• Cancellation €1000
• Medical Expenses €2,000,000
• Baggage €2,000
• Cancellation €5,000
• Medical Expenses €5,000,000

Premier Plus

• Baggage €2,500
• Cancellation Unlimited
• Excess No Excess
• Medical Expenses Unlimited

Car Hire Excess

Don’t pay extra at the car hire desk, save money now with our Car Hire Excess cover. We offer European or Worldwide cover options and our cover is up to €3,500 (annually 5,000). Our insurance covers Tyres & Keys, Fire, Theft & Vandalism, Windscreen, Undercarriage. Also, our insurance covers for additional drivers and drivers up to 84 years . Annual Cover & Daily Hires.

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Travel Insurance for Over 80s

Get your quote for over 80s travel insurance – find cover for hundreds of pre-existing medical conditions, we help you find an over 80s travel insurance policy that provides medical cover for unexpected and unforeseen circumstances – get your quote today..

There is no age limit to living life to the fullest, spending time with loved ones, and seeing the world. At Just Travel Cover, we believe nothing should stand in your way – including Travel Insurance over 80!

It is important to have the right level of Travel Insurance cover when you get to the age of 80, especially if you suffer from any pre-existing medical conditions. We want to ensure help and protection are available if needed during your holiday. Once you’re 80 or over, securing senior-appropriate Travel Insurance with medical conditions can be difficult due to the expensive premiums and limits on cover. Just Travel Cover offers reasonably priced, tailored over 80s Travel Insurance for all ages and hundreds of pre-existing medical conditions. We even offer Cruise Travel Insurance for over 80s! No matter your holiday, we have you covered.

Saving Time and Money on Travel Insurance for Seniors

We offer excellent, advanced over 80s Travel Insurance for seniors and OAPs, covering hundreds of pre-existing medical conditions. All we ask is for you to take a few minutes to complete our online medical screening so we can begin comparing policies. It is a fast, easy, and accurate process, ensuring your Medical Travel Insurance for over 80s quotes are tailored to your age, health and travel necessities. It is crucial that you declare your medical history, including all of your pre-existing medical conditions. If you do not declare all pre-existing conditions, your policy could be void should anything go wrong.

Travel Insurance for Pensioners with Medical Conditions

Our premium Travel Insurance for over 80s covers pre-existing conditions. Some of the medical conditions we offer cover include Heart Conditions, Type 1 and 2 Diabetes, Mental Health conditions and Cancer. We cover hundreds of pre-existing medical conditions.

Over 80 Travel Advice

Compare over 80 travel insurance, over 80s travel insurance faqs.

Frequently asked questions about our Over 80s Travel Insurance deals.

What is Over 80s Travel Insurance?

The older we get, the more important it is to get the right Travel Insurance , but the harder it can be to find, especially if you have pre-existing medical conditions. At Just Travel Cover, we use a panel of insurers, some of which have no age limit, meaning we can provide Travel Insurance for over 80s or OAPs with medical conditions. We cover hundreds of pre-existing medical conditions, so you can travel with peace of mind.

What does over 80s Travel Insurance cover?

If you arrange your over 80s Travel Insurance as soon as you’ve booked your holiday, you will be covered for trip cancellation. That way, if you need to cancel your trip for an insured reason, you’re protected. When you set off on holiday, you can relax knowing you have Holiday Insurance in place. If something should go wrong, know that you’re covered for emergency medical treatment (including for your pre-existing medical conditions ) as well as cover for your baggage should they be lost, stolen or damaged. For an additional premium, we offer smart luggage which offers real-time payments to your bank account should your luggage is delayed or lost.

Where can I go with Travel Insurance that covers the over 80s age group?

It can sometimes be difficult to get Travel Insurance if you’re over 80 and travelling to certain long-haul destinations such as the USA, Canada, or Australia. At Just Travel Cover, we have policies with no upper age limit on single trips to any destination in the world, and we will only ever show you policies that will provide cover for your age, destination, duration of trip and medical history. The comparison is done for you! Note that all quotations are subject to medical screening.

How much does over 80s Travel Insurance cost?

Our over 80s Travel Insurance policies are personalised to you and your needs. Therefore, the costs will differ depending on your circumstances, destination and length of your trip, as well as how far in advance you arrange cover. It’s important to remember that Travel Insurance for those over 80 is there to cover unforeseen costs like medical expenses, should you need emergency treatment on holiday. These bills can easily run into the thousands, and it’s reassuring to know you have adequate Travel Insurance for your age and medical conditions in place. For most quotations, we will provide a bronze, silver and gold level of cover so that you have the option to compare and take a policy to best suit your needs and budget.

Can I get Travel Insurance if I’m over 80 with a heart condition?

Yes, we have insurers on our panel with no age limit that specialise in Over 80s Travel Insurance for pre-existing medical conditions , including heart conditions such as angina or an irregular heartbeat. We can also provide over 80s Travel Insurance if you have had a heart attack. To get adequate cover, you need to declare your conditions during the medical screening process and answer the questions honestly.

Can I get Travel Insurance over 80 with diabetes?

Yes, we specialise in over 80s Travel Insurance for the elderly and all pre-existing medical conditions, including travel cover for type 1 and type 2 diabetes . When getting a quote online or over the phone we will ask you a few questions regarding insulin and hospital visits as well as your age and destination and then show you a list of options from the insurers on our panel that can provide cover.

Can I get Travel Insurance if I’m over 80 and living with cancer?

It is our aim to help you find Travel Insurance at any age, including if you’re over 80, and living with pre-existing medical conditions, including cancer. We have policies with no age limit (single trip) and are able to provide cover for most types of cancer, including breast cancer, prostate cancer and skin cancer. You should make sure the exact type of cancer is declared on your policy, and you answer all questions appropriately – we will then show you a list of providers that can provide the cover you need.

If I’m over 80 can I get Travel Insurance to cover mental health conditions?

Yes, if you’re in your 80s and living with a mental health condition such as anxiety and depression, it’s important to be covered for these when you travel. When getting a quote online, you may be prompted to call us so we can explain the options for each insurer on our panel and provide the option to include or exclude these conditions. Our policies have up to £15m medical cover so you can travel safely knowing that you’ve got the right support if the unexpected happens. Find out more on our pre-existing medical condition page.

What options are available for life insurance for over 80 year olds in the UK?

Life insurance policies for individuals over 80 can vary, with options ranging from whole life to term insurance. It’s important to compare policies to find one that meets your specific needs and budget. At Just Travel Cover, we have partnered with the UK’s number 1 rated Life Insurance experts, iam|INSURED. They provide guaranteed life insurance if you are between 50-80 years old. Visit our life insurance page and see if there is a policy for you. Please note that over 80s life insurance is not the same as Travel Insurance, and you still need to take out a Travel Insurance policy when going on holiday.

What should old age pensioners (OAPs) consider when looking for Travel Insurance?

When seeking Travel Insurance for OAPs or old-age pensioners, you should consider a Travel Insurance policy that covers pre-existing medical conditions, an adequate cancellation cover that exceeds all expenses of the trip, and high medical cover with repatriation included. At Just Travel Cover, we will ask you a series of questions and then only show you policies that match your travel requirements, including Travel Insurance for OAPs policies tailored towards pensioners over 80.

Can I get Travel Insurance without medical cover?

No, medical cover is a crucial part of Travel Insurance, especially for travellers with pre-existing medical conditions or old age pensioners (OAPs) and those going to destinations where healthcare is expensive. At Just Travel Cover, we can offer emergency medical expenses and repatriation up to £10 million per person.

It is important to secure over 80s Travel Insurance with medical cover, as even in countries where medical expenses are covered by a UK GHIC or UK EHIC card, it is not a replacement for Travel Insurance. For example, the card will not cover being flown back to the UK (medical repatriation), treatment in a private medical facility, or ski or mountain rescue.

If you are holidaying in the UK, Staycation Travel Insurance can provide cover against loss or theft of baggage, cancellation, and curtailment.

Are cruises a good option for holidays for over 80s?

Cruises can be an excellent option for holidays for over 80s, as they offer a variety of onboard amenities and the chance to explore multiple destinations in a comfortable, accessible manner. Many cruise lines cater to older travellers with specific needs. Visit our Senior Cruise page for tips on cruise holidays over 80. 

Why Choose Travel Insurance for Over 80 Year Olds from Just Travel Cover?

At Just Travel Cover, we specialise in providing Medical Travel Insurance with no upper age limit and cover for pre-existing medical conditions (terms apply).   With our Travel Insurance for seniors with pre existing conditions, travellers over 80 can benefit from:

• Single trip cover up to 94 days with no upper age limit
• Hundreds of pre-existing medical conditions, including terminal prognosis covered
• High levels of cancellation and emergency medical expenses cover
• Lost documents, baggage, medications, and medical aids cover
• Flexibility – 3 levels of cover to suit your needs
• Travel companions can be included in the same policy
• Zero excess policies available

Travel Insurance for Over 80s – What Are You Covered For?

• Cancellation/ curtailment up to £12,500
• Missed departure up to £1,000 per person
• Baggage up to £3,000 per person
• Emergency medical expenses and repatriation up to £10 million per person
• Mobility aids up to £2,500 per person
• Lost medications and medical aids up to £300 per person
• 24/7 emergency medical assistance

Please note all cover limits are per person and vary by insurer.

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Click here to download the Policy Wording and Insurance Product Information document for all insurers

Travel Insurance for Over 80s with Pre-Existing Medical Conditions – All Ages, All Stages

Just Travel Cover offers five-star quality cover for pre-existing medical conditions at all levels of severity, including a terminal prognosis – with no upper age limit.

Just some of the pre-existing medical conditions we cover:

• Heart Conditions
• Cholesterol
• Joint Problems (arthritis, back pain)
• Mental Health Conditions
• Liver Conditions
• Breathing Conditions
• Circulatory Conditions
• Disabilities and many more

To ensure you are fully covered in the event of a claim, please declare all your pre-existing medical conditions in full and we will do the rest.

Fast, Easy, and Accurate Online Medical Screening

Our quick and easy online medical screening will take you just a few minutes to complete and allows you to compare Over 80s Travel Insurance policy quotes. You will be asked a series of multiple-choice questions to give us the information we need to provide you with Travel Insurance quotes tailored to your health and travel requirements. Please have the following at hand:

• Your medical history with important dates
• Names of all your pre-existing medical conditions

Instant Cancellation Cover

Our online quote and medical screening engine enables you to compare and buy travel insurance quickly and easily. Cancellation cover starts immediately from the moment of purchase for you and all the travel companions you include in the policy, so you can relax and focus on getting ready to have a wonderful holiday.

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Travel Insurance Over 70

At Insure My Travel, we know that age is no barrier to travelling, so long as you’re young at heart!

As you get older though, comprehensive travel insurance is even more important. As part of our commitment to serving travellers of all ages, we are pleased to offer both Single Trip Travel Insurance and Annual Multi Trip Travel Insurance at competitive rates to people up to the age of 74 (for Multi Trip Insurance) and 86 (for Single Trip Insurance).

You can buy your cheap Travel Insurance for Over 70s online – no sales calls, just high quality, cheap travel insurance that you can but in less than 5 minutes. We also offer one of the largest and most effective Travel Insurance claims support services teams if you should ever need to call them.

Our Travel Insurance for over 70s Promise

• Simple to understand Travel Insurance for Over 70s policies with the best cover on the market, at the best price
• Easy to access, helpful claims support services in case you should need them

To get the best value Travel Insurance for Over 70s quote with the right level of cover, simply click the button below.

Why choose our  Travel Insurance for over 70s

Insure My Travel offers a comprehensive worldwide Travel Insurance for Over 70s, bringing you the peace of mind of the best Travel Insurance for Over 70s cover. Our Travel Insurance for over 70s benefits include:

• 24 hour/365 days a year bi-lingual medical assistance hotline
• Emergency Medical and Transportation cover up to €10 million
• Lost, stolen or damaged Baggage cover up to €3,000 per person
• Luggage Delay Insurance
• Delayed Departure Insurance
• Personal Accident Insurance

You can also upgrade to include optional covers such as:

• Winter Sports Cover
• Excess Waiver
• Business Cover
• Wedding Cover
• Flight Cancellation Cover
• Cruise Connection Cover

Get a Quote for your Travel Insurance for Over 70s by clicking below.

Get Your Travel Insurance Over 70 Quote

47 Upper Dorset Street, Dublin 1 1890 904 904 [email protected] National Insurance Ltd trading as Insure My Travel is regulated by the Central Bank of Ireland

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• Travel Insurance Over 75

Age shouldn’t ever stop you from having fun, or enjoying other parts of the world. We know you think that, and we happen to agree! That’s why we have designed a product specifically for you : Travel Insurance Over 75.

Our Travel Insurance Over 75 gives you the option of either Single Trip Travel Insurance or Multi Trip Travel Insurance , right up to the age of 85.

We are one of the very few travel insurance providers offering both options to people in this age group, as most of our competitors have age cut-off points of just 74 or maybe 79. But choose us, and we’ll give you the peace of mind you need to enjoy a week or two in the sun, or perhaps a visit to relations in some far-flung part of the world, even further into your golden years.

Make sure you book your Travel Insurance Over 75 in advance and never leave home without it, as you never know what might happen while abroad. Rest assured that you’ll be insured against all misfortune that may occur during your holiday, including those due to medical conditions such as heart trouble, stroke, diabetes, mental health conditions, and more (please note that pre-existing medical conditions must be declared at the time the policy is taken out). You’ll also be protected against such unforeseen circumstances as having to delay your holiday or return home early due to illness.

Benefits of our Travel Insurance Over 75

Round-the-clock medical assistance hotline, 365 days per year

Lost, stolen, or damaged baggage cover, up to €3,000 per person

Emergency medical and/or transportation cover, up to €10 million per person

Luggage loss/delay insurance

Flight cancellation/delay insurance

Personal accident insurance

Third party personal liability insurance

Optional upgrades include:

• Flight Cancellation Cover

Cheap prices for Travel Insurance for Over 75

Our Travel Insurance Over 75  cover starts at just:

• €35.00 for Single Trip Travel Insurance (Europe)
• €97.25 for Multi Trip Travel Insurance (Europe)

See how cheap it can be for you by getting your quote now . You can also take out your policy and pay for it online. We make it easy for you – and we make it cheap for you too! Now go enjoy your holidays!

Maximum Trip Duration

Multi Trip The maximum duration of any individual trip covered by our Annual Multi Trip Travel Insurance is:

• 45 days for holders of a Gold Annual Multi Trip Travel Insurance policy aged 65 or under.
• 60 days for holders of a Platinum Annual Multi Trip Travel Insurance policy aged 65 or under.
• 31 days for Annual Multi Trip Travel Insurance policy holders aged 66 years or older.

Single Trip The maximum duration of any Single Trip Travel Insurance policy is:

• 365 days if you are aged 65 or under.
• 31 days if you are aged 66 or over.

Our Travel Insurance

Our Travel Insurance has been designed to give the best levels of cover at the best price. Get a quote today and see why.

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• Pre-Existing Medical Conditions
• Why Buy Travel Insurance From Us
• Business Travel Insurance
• Winter Sports Travel Insurance
• Travel Insurance Over 65
• Travel Insurance Over 70
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Take us away with you

Travel insurance from €6.71*

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

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

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

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

Single trip travel insurance

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

Annual multi-trip

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

What are you covered for?

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

Medical coverage

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

Cancellation

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

Emergency assistance

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

Transparency

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

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

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

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

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

When will my documents arrive through the post?

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

What do I need to take on holiday with me?

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

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

Read more FAQs

Emergency contact overseas

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

Non-emergency claims

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

Other enquiries

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

Wintersports cover

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

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

Private health insurance discount

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

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

Destinations

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

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

Please see list below:

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

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

Group types

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

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

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

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

This date is too far from the current date

Let the adventure begin!

Work, study or a holiday, relax with Vhi's travel or international health insurance when you go away

Annual travel insurance for all your trips, up to 180 days .

Vhi International

Worldwide health insurance for 6 months or more abroad .

• International

Key benefits

Medical emergencies.

Up to €10 million cover for medical emergencies.

Cancellations

Up to €10,000 cancellation or curtailment benefit.

Medical assistance, plus trip cancellation if you test positive within 14 days of your trip.   

Baggage loss

Cover of up to €2,000, if your luggage is lost or damaged.

Emergency helpline

24/7 emergency medical helpline, no matter where you are in the world. 

How can I make a MultiTrip claim?

You can now claim online with these easy steps. Our online claims portal is open 24/7, with an immediate decision available for certain claims.

Start claim : this   will take you to the external site of our underwriter. If you would like to check policy terms, conditions, limitations, and exclusions, see MyVhi .

Over the phone: if you would prefer to speak to an adviser, you can register your claim over the phone by calling us on  046 9077358  and one of our claims team can help with any questions and send you a claims form.

Am I required to have a current private medical insurance plan to be eligible for MultiTrip cover?

Yes. Your MultiTrip cover is especially designed to complement the overseas cover provided by your domestic private medical insurance plan, which must have a minimum of €65,000 for overseas medical emergencies.

Your domestic private medical insurance must be in place at the time of any event for which you subsequently claim under your MultiTrip policy. 

Are pre-existing medical conditions covered on my policy?

Yes, unlike most other travel insurance plans on the market, MultiTrip from Vhi Healthcare includes cover for pre-existing conditions up to the full limit of your medical cover provided your health insurance plan has overseas cover, and your pre-existing medical condition is covered under the terms and conditions of that domestic private medical insurance plan. Please see eligibility section for circumstances not covered. You must have served your initial waiting periods on your private medical insurance policy.

Eligibility

We cannot offer cover under the following circumstances, even if you suffer an illness, injury or a new or change to a medical condition that is unrelated:

• If you have been diagnosed with a terminal illness.

• If you are not fit to travel or fit to undertake your trip.

• If you are travelling intending to receive medical treatment.

• If you are travelling against the advice of a medical practitioner.

Please note: if you are 80 years or over, cover is limited only to the overseas cover limits on your domestic private medical insurance plan. Pre-existing conditions will not be covered.

COVID-19 and MultiTrip travel insurance

Further information is available  here .

When should I purchase my MultiTrip travel policy?

You have no cover on your MultiTrip policy until the start date of the policy. Your cover, including cancellation cover will only begin from the start date you choose.

The ideal time to purchase your policy is prior to booking your trip. This will ensure that cancellation cover will be available to you, should something happen to prevent you from travelling. Please refer to terms and conditions  here .

Renewing your policy

You can update your payment details or purchase add-ons in  MyVhi :

•  1. Go to your MultiTrip policy
•  2. Select 'View Details' under 'Payment Information'.
•  3. Choose 'Update Payment Details' or
•  4. Select 'Purchase Add-ons'.

Full cover for in-patient and day care treatments. 

Medical helpline

24/7 access to emergency medical helpline.

Major medical treatment

Flexibility to return to Ireland for major medical treatment. 

Emergency medical transfer

Full cover for emergency medical transfer, evacuation and repatriation. 

Continuous cover

Continuous cover at home and abroad - no new waiting periods when you transfer back to a Vhi hospital plan. 

What is Vhi International, and do I need it?

Do i need this policy as well as my private health insurance policy.

No, this is a replacement policy for anyone who currently holds a health insurance plan in Ireland. It replaces your existing plan to cover you while abroad.

What are the benefits of Vhi International?

Vhi International offers comprehensive international healthcare cover. It also offers flexibility to return home to Ireland for major medical treatment and continuous cover at home and abroad, meaning no new waiting periods when you transfer back to a Vhi hospital plan. 

How can I make a Vhi International claim?

Our online claiming system allows you to submit your medical expenses in a convenient and fast way. You can complete the form, upload photos of your receipts and submit the claim online in just a few minutes. The claim will then be paid directly into your designated bank account. The link to claim will take you to the external site of our underwriter.

Over the phone: if you would prefer to speak to an adviser, you can register your claim over the phone by calling us on 046 9077377 and one of our claims team can help with any questions and send you a claims form.

How do I check what I am covered for?

Go to MyVhi or phone the claims team on +353 46 9077377 .

Annual Multi Trip

Are you a seasoned traveller who can't stop stamping your passport? Then this policy is the one for you. Get covered for all your adventures and excursions with our Multi-Trip Insurance. Get a Quote Now

Single Trip

Whether you're planning a big annual holiday or a last-minute getaway, our Single Trip Insurance has your back. Get a Quote Now

Family Single Trip

Keep you and your loved ones safe wherever you choose to holiday with our popular Family Travel Insurance. You'll be glad you did. Get a Quote Now

Looking for Affordable Travel Insurance?

The best type of adventure is one that makes you feel safe and secure, so why not cover you and your family against any potential accidents with JustCover travel insurance? We offer excellent quality travel insurance at a great affordable price within your budget. We look after you and your loved ones should you suffer an accident.

We provide you with peace of mind so that you can embrace the holiday spirit without worry. We will cover you against any non pre-existing medical expenses (including Covid-19 diagnosis), cancellations and lost belongings or money. Let us take care of the boring details and leave the fun to you. Choose between our customised offers to find the right policy for you.

Cover Summary

Policy wording.

Travel Insurance is essential for peace of mind . Get your Holiday Travel Insurance Right Here, Right Now. Here at JustCover.ie Travel Insurance we don't waste your time, we JustCover.

If you have VHI, Laya-Healthcare or Irish Life Private Health Insurance why not avail of our REDUCED RATE SINGLE TRIP and MULTI TRIP TRAVEL INSURANCE POLICIES and make great savings. Travel Insurance is a necessity not a luxury. Remember if you wish to travel worry free, do not travel without your Travel Insurance,

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Choose an Insurance type, fill in your details and get a quote that fits you best!

What do you want to cover with your insurance, get a travel insurance quote.

At Allianz Assistance, we work hard to provide you with products that suit your lifestyle. Our wide range of travel insurance products can provide you with the peace of mind you deserve when you’re travelling.

Our cover provides 24/7 International Medical Assistance. We offer a policy for most types of travel so, no matter the type of trip you’re planning, we’ve got you covered.

Given the current climate in the travel market, we have also developed a product to cover you against pandemics and epidemics, including COVID-19. Browse our products ahead of your next adventure today.

We are currently unable to offer cover for pre-existing medical conditions.

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Why Choose Quote Devil Home Insurance

Whether you are looking for single trip travel insurance or annual multrip, European-only cover or Worldwide, you are in safe hands with Quote Devil. Our travel insurance policies are underwritten by Mawdy, a global insurance company with a support team based in Galway, Ireland.

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Enjoy 10% OFF travel insurance today with promo code DEVIL10. Click here to see how much you can save.

Multi Trip Insurance

Multi trip travel insurance is the best type of policy for most people. It’s an annual policy so you only have to worry about it once a year and then you can forget about it until you receive your renewal in twelve months’ time.

Whether travelling for business or pleasure our multi-trip policy has you covered. The main reason for travel insurance is to cover for emergency medical expenses including 24 hour emergency assistance, lost or stolen money or personal property, and the cancellation or curtailment of your holiday.

Single Trip Insurance

Looking for one off holiday cover? At Quote Devil we have you covered by providing you with some of the best value single trip cover on the market. You’re only a few clicks away from securing a great price and the peace of mind you need.

Treatment abroad and medical repatriation can be expensive, and it’s easy to end up with a big bill if you fall sick or are injured overseas. Although it’s a great idea to get a European Health Insurance Card (EHIC), is it highly recommended you also take out a suitable travel insurance policy to cover your holiday.

Our single trip policies also cover you for emergency repatriation, holiday cancellation, delays, lost luggage, and theft of personal belongings.

Regular Traveler? Maybe consider one of our Multi-Trip policies and allow yourself a stress free 12 months!

Covid-19 Cover

Quote Devil travel insurance policies include extra protection against Covid-19. All of our travel policies include Covid-19 Medical and Cancellation Cover as standard.

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Going skiing this winter? Quote Devil has you covered! Our online quote form includes the option to add winter sports cover , either for a one-off trip or as part of your annual multi trip policy

We cover all of the following;

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Backpacker Travel Insurance

If you’ve finished your studies and aren’t yet ready for the working world, now is a great time to see the world. Although it might seem a good idea to save on this part of your trip, paying for insurance can be the best thing you can do.

Travelling with Medical Conditions

Are you sick of being charged through the roof for travel insurance because you have a pre-existing medical condition? Quote Devil can help.

Our online medical screening system is easy to use and means you can still get a quote online. If cover is refused for your pre-existing medical condition, we will only exclude any claims relating to that medical condition. The rest of your travel insurance cover will not be affected by this exclusion.

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You are retired and your feet are starting to get itchy. Now is the time for your S.K.I. Holiday (Spend the Kids Inheritance!).

Taking into consideration health conditions, we aim to provide cover for all ages including those in their golden years. Unlike most other providers of travel insurance Quote Devil can offer you a single trip or annual policy up to the age of 86, with a maximum travel duration of 31 days.

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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.

The Broke Backpacker is supported by you . Clicking through our links may earn us a small affiliate commission, and that's what allows us to keep producing free content 🙂 Learn more .

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.

We’ve tested countless backpacks over the years, but there’s one that has always been the best and remains the best buy for adventurers: the broke backpacker-approved Osprey Aether and Ariel series.

Want more deetz on why these packs are so  damn perfect? Then read our comprehensive review for the inside scoop!

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.

A new country, a new contract, a new piece of plastic – booooring. Instead, buy an eSIM!

An eSIM works just like an app: you buy it, you download it, and BOOM! You’re connected the minute you land. It’s that easy.

Is your phone eSIM ready? Read about how e-Sims work or click below to see one of the top eSIM providers on the market and  ditch the plastic .

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.

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.

The savvy fin-tech insurer Faye provides whole-trip travel coverage and care that brings out the best in each journey with industry-leading technology that enables smarter and smoother assistance with faster claims resolutions. Their excellent app-based travel insurance covers your health, your trip and your gear all via an app that provides real-time proactive solutions, quick reimbursements and 24/7 customer support.

If you ever do need to make a claim, then you simply log in to the app and the claim will be assessed super quickly from anywhere in the world! My friend made a claim and was able to manage everything directly on the app. She was even able to purchase ‘Cancel for Any Reason’ Insurance that allows you to quite literally cancel for any reason, and be refunded up to 75% of non-refundable bookings.

Best of all, if the claim is successful then the funds will be immediately credited to the smart wallet on your phone or device and ready for you to spend.

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

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.

Aiden Freeborn

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Long Stay Travel Insurance

Buy Long Stay Travel Insurance online and get a 20% discount*

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

Discover the Benefits of Long Stay Travel Insurance

Starting from €12.54 per month[ 1 ], long stay or long term travel insurance is the best way to cover your tracks during extended trips and holidays away from Ireland. With AIG long stay travel insurance:

Look After Yourself

With up to €5,000 cover for personal accident you can get on with enjoying your adventure.

Don't Come Home Empty Handed

If you have to cancel your trip or you have to cut your trip short, you will be covered for up to €1,000

24 Hour Emergency Assistance

Our 24/7 emergency service can liaise with doctors, hospitals and guarantee medical charges in a medical emergency.

If you are looking for insurance cover for your gap year in Australia or that 6 month trip to South America,  get a quote  and purchase long stay travel insurance online today!

[1] Price is based on an individual aged 18-35 buying online travelling for 12 months on a European Extended Stay policy (annual premium €150.42). Example correct as of 21/11/2023.

What Is Long-Stay Travel Insurance?

Sometimes called long term travel insurance, this is an affordable policy designed to provide important travel insurance benefits when you are travelling abroad for long periods typcically between 3 and 12 months. This type of insurance is only available to those between the ages of 18 and 35.

Why choose AIG Long Stay Travel Insurance?

Medical Protection

If you are hospitalized or fall ill while away, you can relax knowing that you could claim up to €1,000,000 in medical expenses

Personal Baggage Cover 

Lost luggage? We'll help! With up to €500 in personal baggage cover and up to €150 cover for losing your passport, your belongings are secure.

We're there 24/7

With our 24/7 emergency assistance helpline we are always ready to help you when you need to claim.

Long Term Travel insurance for one big journey from AIG.

Frequently asked questions.

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

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

Policy Documents

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

Have A Question?

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

Explore Our Long Stay Trip Tips & Thoughts

Know more and make better choices - find useful tips and ideas on our Backpacking Content Hub and blog page .

Tips for Planning Your Gap Year Trip

A gap year can be one of the most enjoyable and rewarding experiences of your life. A year spent abroad working, volunteering or just travelling and discovering new cultures can really broaden your horizons. 

Essential Backpacking Travel Tips

Backpacking is an exciting way to travel, and with the right preparation, it can be a memorable and enjoyable experience. Whether you're planning your first backpacking trip or you're a seasoned pro, these  tips for backpackers  will help you get the most out of your adventure.

5 Tips for Travelling to South America from Ireland

Whether you have been inspired by the stunning coastal scenery on view at the Olympics in Rio or a long held dream to see Machu Picchu with your own eyes, planning to travel to South America throws up lots of questions, especially at the moment.

Digital Nomad Insurance: A guide to staying covered while working abroad

In a post-COVID world and through the ever evolving landscape of the digital age, more and more professionals are opting to work beyond traditional office spaces. Driven by the growing trend of remote work and the desire for flexibility and independence, people from around the globe, including Ireland, are adopting the lifestyle of a digital nomad.

Ready to protect your next big adventure?

Terms and conditions:.

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

[1]  Price is based on an individual aged 18-35 buying online travelling for 12 months on a European Extended Stay policy (annual premium €150.42). Example correct as of 21/11/2023.

• Our products are available for Ireland residents only.

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

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

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

Time to check your travel insurance options before taking off

The CSO’s household travel survey shows while most of the overseas trips taken by Irish residents are to the UK, EU and Europe, there has been a steady increase in the number of trips to Canada and the US. Picture: iStock

A recent release from the Central Statistics Office (CSO) reveals we have been travelling abroad in big numbers in the last 12 months. According to the Household Travel Survey, Irish people took 27% more international trips in the last three months of 2023 compared to the same months in 2022.

In total, t here were 12.6 million outbound overnight trips by Irish residents in 2023, during which we spent €12.9bn.

W hen you think of holidays, the last thing you think of is insurance. Holidays are all about forgetting about things like insurance. Like all insurance products of course, travel insurance buys you peace of mind. Holiday time is premium time. You should protect it, so you’re not frantic trying to deal with theft, loss, injury or illness without support.

According to Paul Walsh of Peopl Insurance, this significant surge in overseas travel puts insurance squarely in focus.

“Based on claims submitted by our own policyholders, a third of all claims relate to cancellations prior to travel due to illness. Very few of us expect things to go wrong when on holiday — but it happens more often than you might like to think.”

Medical expenses

Mr Walsh said according to the company’s own data, the most common reason for a travel insurance claim is to cover the cost of medical expenses, while a third of claims relate to illness while abroad.

“So it is hugely important to have good medical cover on your travel insurance policy in case you become ill or injured when abroad. With some travel insurance policies, cover for medical expenses could be €10m or €20m.”

He pointed out too, that while the CSO’s household travel survey shows most of the overseas trips taken by Irish residents are to the UK, EU and Europe, there has been a steady increase in the number of trips to Canada and the US.

“Those embarking on long-haul trips such as this should be sure to have good travel cover for missed connecting flights as well as for any medical expenses incurred if they become sick or injured abroad.”

There’s also been an 11% increase in the number of domestic trips being taken by Irish holidaymakers. This suggests the Irish are still keen to holiday at home, though not to the same extent as abroad, where there was a much bigger increase in the number of trips taken.

There are a number of things you need to consider before choosing a travel insurance policy. The first of these is trip cancellation cover. You cannot assume policies with "trip cancellation" in the title cover you in the event of all cancellations.

“It’s important to assess what exactly this means on your policy. For example, cheap policies may not cover delayed and missed departures — which is a basic feature of standard policies .”

Watch out for the excess

Watch out for the excess on the policy, which is the amount deducted from each claim prior to its being paid. The excess for lost baggage and the amount paid by the insurer may be very close in many cases, which means you get very little back in the event of a claim.

When it comes to medical cover, Mr Walsh recommends all policyholders make sure they know to what extent doctors and hospital fees will be covered.

Honesty is paramount when it comes to disclosing pre-existing medical conditions to the insurer — otherwise the policyholder runs the risk of the policy being invalid in the event of a claim.

Note too, that trips which involve potentially unsafe activities may not be covered under a general policy. If you’re planning an activity holiday and choose to buy a single policy, you will need to disclose any sports or adventure activities to the insurance provider. Always answer the questions honestly when completing an application for travel insurance. If you leave information out or are economical with the truth, chances are any subsequent claim will fail.

When it comes to belongings, the advice here is to make sure any expensive items you are taking with you — laptops, smartphones, jewellery — are covered for loss or theft. Again, don’t assume that every policy covers every object.

“These are the basics that every traveller needs to consider,” Mr Walsh said. “If your policy falls short of what you need, then it’s just money wasted. Some of the excesses alone on the cheapest policies can render them worthless in many cases.”

Some health insurers do provide travel insurance, though most health policies do not offer it as standard, so do not assume you’ve got it. Check first.

Even if you do have it, hospital

It is also important to remember that private health insurance will not cover extra hotel stays, meals or transport costs that could be incurred if you or a family member falls ill while abroad.

Competition and Consumer Protection Commission research shows one in 10 travellers felt they could make a claim but did not do so as they felt it would be too much hassle. However, the research shows 89% of those who did make a claim were successful, which shows it is worth putting the effort in.

Read the small print

Even though nobody does it, reading the small print is always a good idea, simply in order to know what is covered and what is not. Always check the policy wording, and if you just cannot bring yourself to read it, call the insurance provider and ask them to spell it out for you.

If you’re travelling within the European Economic Area (most of Europe) or Switzerland, it is so important to apply for a European Health Insurance Card (EHIC) before you go. It basically allows you to access public healthcare if you become sick or injure yourself while abroad. You can apply for the card on the HSE site — just search EHIC. And if you already have a card, check it has not expired. You can renew your card online.

Remember, however, that having an EHIC card is not a substitute for travel insurance. The card only provides basic care in the aforementioned countries . It does no t provide any cover outside of Europe. Travel insurance policies will cover far more, including cancellations, helicopter rescue, repatriation and so on.

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