Travel insurance Ireland
Are you fed up with the rain? Looking forward to your sun, sea and sand or even snow, slopes and ski holiday. Our holiday insurance comparison engine will help you find the right travel policy. There are now a vast number of insurers in the Irish market, offering a wide variety of insurance. It’s hard to know where to start and what you should be looking out for; this site compares travel insurance prices, cover limits and benefits to save you time and money.
Travel insurance has become a hot topic, with many flights and holidays being disrupted due to strikes, adverse weather conditions, Covid-19 and civil unrest. Travellers were caught out over the past few years due to snow, volcanic ash and Covid, don’t let it be you. Unfortunately, these risks will continue to affect Irish holidaymakers for the foreseeable future. Ensure you have adequate insurance to cover you, your partner and your family. Whether you’re travelling alone as a couple or as a family, it is essential to plan for the unexpected. Compare travel insurance companies now and save.
How can I get cheaper travel insurance
We know your time is important, and you need a quick and straightforward way to compare cheap travel insurance quotes. Finding great deals is simple with our comparison engine; your search for affordable holiday insurance is just a few clicks away. We offer single trip, annual multitrip, family, backpacker and winter sports cover for European and worldwide destinations.
If you are planning a one-off trip, we have a wide range of single trip policies available. Perhaps you are lucky enough to take more than one trip this year. If so, it may be cheaper to buy annual multitrip travel insurance. The annual policy will cover you for multiple trips within the year. See our cost-saving tips below:
Shop around
Never buy the first policy offered to you; shop around to see if you can get a better deal.
Frequent traveller
If you plan to take more than one trip this year, it may be cheaper to buy an annual multitrip insurance policy.
Insurers will generally charge a fee for posting the policy documents. Ask them to email it to you and save money.
Online
Buying your policy online rather than over the phone may be cheaper.
Health insurance
If you have PHI (Private Health Insurance) with medical cover abroad, you might be able to avail of a discount.
Backpackers
If you are a backpacker, a long stay policy is available to cover travel for up to 12 months.
Compare travel insurance deals in a few clicks and save. Whether you are going for leisure or business, travel insurance will offer you peace of mind. It will cover you and your family for flight delays and lost baggage. It will also cover medical risks such as breaking a leg, a heart attack or a stroke, which could leave you in a foreign hospital with an expensive medical bill.
Don’t take out the first policy offered by the airline, ferry company or travel agent, as it may not be the best insurance for you. Trip cancellation, missed departure, delayed departure, personal accident, lost baggage, medical expenses and personal liability are a few of the benefits included in a typical policy.
What type of travel insurance do I need?
Compare cheap travel insurance today and save. There are many different types of holiday insurance available. So it is worthwhile and may even save you money to know what kind of policy suits you, your partner or your family. There are four types of travel policies. These include single trip, annual multitrip cover, winter sports and backpacker travel insurance. See the description below:
Single trip travel insurance will cover you for a one-off holiday or trip.
Annual multitrip travel insurance will cover you for multiple trips within 365 days.
Winter sports travel insurance will cover you against insured risks on your skiing or snowboarding holiday.
Backpacker travel insurance will cover you for an extended travel period of up to twelve months. Although some insurers will now extend that period up to 24 months in total, terms and conditions will apply.
Most travel insurance policies will cover you for cancellation, emergency medical expenses, hospital benefit, personal accident, lost baggage, money, missed departure, delayed departure, and overseas legal costs as standard. Always read the terms and conditions carefully to ensure you understand what is and what is not covered.
If you have a pre-existing medical condition or have questions relating to submitting a claim, we have outlined some helpful information below:
Pre-Existing Medical Conditions
- If you have a pre-existing medical condition, read the terms and conditions carefully. Some insurers require you to obtain a note from your GP to confirm that you’re fit to travel, while others may ask you to call a health screening number to cover that specific condition.
- If you have a health insurance policy, some insurers may offer you a discount depending on the level of medical insurance you have in place. This discount may vary from company to company. If in doubt, give the insurer a quick call.
- If you have a pre-existing medical condition and you don’t want to insure this condition, your holiday insurance will be valid. However, you won’t be able to put through a claim for issues specific to that medical condition.
Tips for submitting a claim
- In the unfortunate event you need to make a claim for medical expenses abroad, ensure you retain all documentation and receipts from the hospital or medical centre.
- If your belongings are lost or stolen, report the loss to the local police or Garda station. Ideally, within 24 hours or as soon as you become aware the items are missing. Ask them to complete a police report. If your luggage goes missing, you will need a PIR report from the airline.
- Always ensure you have a copy of your travel insurance validation certificate, the policy number, the emergency assistance, and the claims telephone number before you travel.
For more information, please visit our Travel Insurance FAQ page.
What does holiday insurance cover?
Everyone wants to buy cheap travel insurance. However, the cheapest policy may not be the best for you. Your policy should cover you for risks which can cause you financial loss. We aim to compare travel insurance policies and to ensure you understand what is and what is not covered. See a list of travel insurance benefits below.
Your standard travel policy should cover you for:
- Emergency medical expenses.
- 24-hour emergency assistance.
- Personal liability covers you for accidentally injuring another person or damaging their property.
- Cover for lost and stolen money or personal property, i.e. valuables, passport, and airline tickets.
- Cancellation and curtailment if you have to cancel or cut your trip short for an insured reason.
- Missed departure if you missed your flight due to an insured reason.
- The policy should cover you for the duration of your trip.
Your policy may also insure you for the following:
- Personal accident.
- Legal expenses.
- Third-party supplier insolvency.
- Strike.
Always read the policy wording carefully for exclusions:
- Most policies will not cover alcohol or drug-related incidents.
- Any insured travelling or third-party relative with a terminal prognosis or individuals awaiting tests or results from the hospital.
- If you have a pre-existing medical condition, you may have to arrange an appointment for a medical screening.
- Age limits may apply to some policies.
Travel insurance and Covid19 (Coronavirus)
Important Notice: Covid criteria may vary depending on the insurer. Please refer to the insurance company’s policy wording for more information. You may also wish to contact your travel insurance provider directly should you have any specific queries.
You can also keep up to date on travel advisory notices by visiting the World Health Organisation and the Department of Foreign Affairs website.
Partners & insurance schemes
Compare Insurance Ireland is an Irish comparison site offering helpful information about travel insurance limits and benefits. Compare holiday insurance quotes today for great deals. If you are renting a car, don’t forget to compare car hire excess insurance for cheap quotes.
Insurance schemes include Blue Insurance Ltd T/A Multi-Trip Travel Insurance and Just Cover Limited. We hope our insurance comparison engine saved you time and money. Enjoy your trip.