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FAQ Categories: Travel Insurance FAQ

Q. Are there any countries excluded under my travel insurance?

A.

Travelling to or through a country or territory against the advice of the Department
of Foreign Affairs is not covered. See – www.dfa.ie

Q. Am I covered for any leisure activities?

A.

Please refer to your Travel policy booklet for a full list of activities covered and excluded.

Q. Am I entitled to a discount if I have Private Medical Healthcare?

A.

No, having private medical care does not effect your premium price. 

Q. If I wish to cancel my policy, am I entitled to a refund?

A.

You may cancel this policy within 14 days of its issue (provided you have not commenced the insured trip) and, subject to you not having or intending to make a claim, a full refund of premium will be made.

Q. Are holidays which commence outside Ireland covered?

A.

No. Your holiday must begin and end in the Republic of Ireland.

Q. What should I do if I have to see a doctor or be admitted to hospital during my holiday?

A.

Please telephone the assistance company on +44(0)1444454540 at any time day or night. Please call the assistance company as soon as possible for cases involving hospitalisation or if you need a medical referral. If you are admitted as an in-patient you must notify the assistance company and obtain authorisation immediately prior to incurring any costs. If this is not possible because of the seriousness you must contact the assistance company as soon as possible after admission. You must obtain authorisation from the assistance company before making any repatriation or evacuation arrangements.

Q. What are the limits of cover for medical costs incurred?

A.

You are insured for Medical costs up to €10,000,000 per insured person. Please note that medical costs in the Republic of Ireland are not included.

Q. Does the travel policy provide medical cover during pregnancy?

A.

The Insurers are not liable for any claims for costs related to normal pregnancy or childbirth without any accompanying bodily injury, illness, disease or complication.

Q. I have a pre-existing medical condition. Does this affect my medical cover?

A.

The Insurers are not liable for claims arising from any disease, illness or injury for which you have received medication, advice or treatment or have experienced symptoms whether the condition is diagnosed or not.

Q. Can I travel on my own?

A.

Yes, your travel insurance covers you or your spouse if travelling independently of each other.

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