Travel Insurance Nitty Gritty

Find out all the nitty gritty details about our travel insurance offerings below. 


Single-trip

A Single-Trip policy covers you for one holiday of up to 30 days. To get a Single-Trip quote, simply choose the number of days you are away, or click on the calendar and select the dates you leave and return. Remember that if your holiday is 7 nights, you need 8 days cover, and if you are away for 14 nights, you need 15 days cover.

Annual Multi-Trip

An Annual Multi-Trip policy could save you money if you are going on holiday more than once this year. It offers cover for up to 90 days travel in the year, but no holiday can be longer than 30 days. With an Annual Multi-Trip policy, you can also be covered for holidays in Ireland provided that you spend at least two nights in accommodation you booked before your departure.

Winter Sports

If you are going skiing, snowboarding or tobogganing on holiday, then you will need our Winter Sports Extension. You can go off-piste too as long as you are accompanied by or under the instruction of a qualified local guide. Winter Sports cover is limited to a maximum of up to 21 days in any insurance period.

Holiday & Holiday Travel Plus - Summary of cover and key exclusions

Some of the things we cover Maximum Payable Excess Key Exclusions to note

Medical Expenses

We’ll cover you for injury or illness on holiday ACE our Travel insurance underwriters will also look after things like:

  • providing details of local hospitals in country visited in event of emergency
  • providing assistance to replace lost/stolen tickets and travel documents
  • Helping you contact card issuers if your credit card is lost/stolen

€5,000,000

€90

Pre-existing conditions or travelling against the advice of a doctor

Cancellation

We’ll cover you, if you have to cancel your holiday for reasons out of your control.

Up to €3,500

€90

  1. illness or death of anyone not insured under the policy (other than immediate family members)
  2. If you are aware of any reason at the time of booking the holiday or purchasing travel insurance that the holiday may be cancelled

Personal Accident

We’ll cover you if you have an accident during a trip.

€25,000

Nil

If death, loss or disability is due to disease or any physical defect, injury or illness which existed before the Holiday.

Personal Money

We’ll cover you if your money is lost or stolen.

Up to €500

€90

If police report or hotel management report is not provided to verify loss/theft of money.

Travel Delay

We’ll cover some of your costs if your journey is delayed more than 12 hours.

Up to €150

Nil

Must be delayed for at least 12 hours on the outbound or return journey.

Missed Departure

Your covered if you miss your flight/Train/Bus or Boat due to car breaking down or being involved in an accident or the public transport failing to arrive on time.

Up to €500

€90

a) If the person insured has not allowed sufficient time for the journey
b) If the missed departure is caused by strike or industrial action that could have been reasonably expected when the holiday was booked.

Backpacker Travel Insurance - Summary of Cover & Key Exclusions

Key Benefits Backpacker Travel Insurance - Maximum Payable Backpacker Travel Insurance -Excess Backpacker Travel Insurance Plus - Maximum Payable Backpacker Travel Insurance Plus - Excess Key Exclusions

Medical Expenses

We’ll cover you for injury or illness on holiday ACE our Travel insurance underwriters will also look after things like:

  • providing details of local hospitals in country visited in event of emergency
  • providing assistance to replace lost/stolen tickets and travel documents
  • Helping you get urgent messages to relatives if problems disrupt a journey

€2,000,000

€100

€5,000,000

€100

Pre-existing conditions or travelling against the advice of a doctor

Cancellation

We’ll cover you, if you have to cancel your holiday for reasons out of your control.

€1,500

€100

€2,000

€100
  1. illness or death of anyone not insured under the policy (other than immediate family members)
  2. If you are aware of any reason at the time of booking the holiday or purchasing travel insurance that the holiday may be cancelled

Personal Property

  • We’ll cover you, if your personal property is lost, damaged or stolen during a journey
  • We’ll cover you up to €100 if you have to purchase clothing and toiletry requisites because they have been misplaced or lost by an airline or other carrier

€1,000

€100

€2,000

€100

  1. Max limit of any one item is €150
  2. Items that are left unattended (e.g. on the beach whilst swimming)

Personal Accident

We’ll cover you, if you have an accident that results in death, loss of sight, loss of limb or permanent total disability.

€10,000

Nil

€15,000

Nil

If death, loss or disability is due to disease or any physical defect, injury or illness which existed before the Holiday

Legal Expenses

We’ll cover you, if you have legal expenses which is due to illness or bodily injury caused by a third party.

€2,000,000

Nil

€2,000,000

Nil

Any criminal or wilful act.

Hazardous Activities

Full details on our policy document.

Not Covered

N/A

Covered

€250

If you do not wear the recommended/recognised safety equipment and follow safety procedures, rules and regulations.

Extreme Activities

Full details on our policy document.

Not Covered

N/A

Covered

€500 If you do not wear the recommended/recognised safety equipment and follow safety procedures, rules and regulations.

Europe and Worldwide

Europe

Our definition of Europe covers the following territories:

  • Andorra
  • Austria
  • Belarus
  • Belgium
  • Bosnia- Herzegovina
  • Bulgaria
  • Canary Islands
  • Croatia
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Gibraltar
  • Greece
  • Hungary
  • Iceland
  • Ireland if travelling outside your usual country of residence (or domestically under annual policies only)
  • Italy
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Macedonia
  • Madeira
  • Mediterranean Islands including Majorca, Menorca, Ibiza, Corsica, Sardinia, Sicily, Malta, Gozo, Crete, Rhodes and other Greek Islands, Northern and Southern Cyprus
  • Moldova
  • Monaco
  • Morocco
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Romania
  • Russian Federation (West of Urals)
  • Serbia and Montenegro
  • Slovakia
  • Slovenia
  • Spain
  • Sweden
  • Switzerland
  • Tunisia
  • Turkey
  • Ukraine
  • United Kingdom, the Isle of Man and Channel Islands

Please note that Albania is not included in our definition of Europe. If you wish to take cover for travel to Albania, you will need to take out a Worldwide policy

Worldwide

If you are likely to travel outside the countries listed below, you will need to choose one of our Worldwide covers:

  1. Worldwide inc. USA, Canada and the Caribbean (excluding Cuba)
  2. Worldwide excl. USA, Canada and the Caribbean
  3. Australia and New Zealand only

You can find a list of the countries in the Caribbean at www.caribbeantravel.com/destinations/

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