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Buying & Billing
We take data protection very seriously. When you submit your personal and payment details online, they are encrypted - this ensures that no-one else can read them. We also hold your details according to the Data Protection Acts of 1988 and 2003. Please note that we do not hold your payment details.
Yes, we use the latest in encryption technology through SSL which guarantees that any personal information or credit card details that you have inputted on our website is protected.
We never charge you without asking for your permission, so when your travel insurance is up for renewal we will email you 7 days before, with a quick and easy option to renew if you wish.
The only way to purchase Travel Insurance is by building your policy online and paying online. This way is quicker, safer and all information both payment and personal information is encrypted.
Annual Multi Trip
The maximum age limit is 79 years.
The maximum trip duration is 30 days.
There is no restriction on the number of times you can go away.
Yes, everyone on an Annual Multi Trip can travel independently. Children under 17 years of age are covered to travel independently provided the trip does not exceed 30 days.
A couple can be defined as two adults who are common law partners or that have been cohabiting for at least 6 months. This includes same sex-couples 🏳🌈.
Two cohabiting adults/spouses and all of their unmarried dependent children aged under 23 years and permanently living at the same address provided they are still in full time education.
If you are purchasing an Annual Multi Trip, you are only covered from the date you choose to start your policy. We advise you purchase your insurance prior to booking your holiday.
If you require cover for a longer period than allowed on your Annual Multi Trip you can purchase additional days (maximum of 15 additional travel days)
Single Trip
The maximum age limit is 64 years.
The maximum duration you can take on a Single Trip policy is 45 days.
Unfortunately trip durations cannot be extended, at this point, we are working hard to provide more flexibility with trip duration.
Two cohabiting adults/spouses and all of their unmarried dependent children aged under 23 years and permanently living at the same address provided they are still in full time education.
If you are purchasing Single Trip travel insurance, you will need to start your policy on the day that you leave to go on your trip. Cover for cancellation on these policies starts from the date of purchase.
General Questions
A resident of the Republic of Ireland and/or Northern Ireland is someone who is permanently resident in Ireland and has been for the past six months prior to the issue date of your policy. We are unable to provide cover for anyone who is not a resident of the Republic of Ireland and/or Northern Ireland.
No. Travel Insurance must be purchased before you departure the Republic of Ireland and/or Northern Ireland.
Your current age, and everyone else on the policies current age.
All policy information and documentation is sent to you by email. There is no option for it to be posted, think of the trees 🙂.
If you need to make a change to your policy/details you can do this by either logging into your account or by contacting customer support by clicking the orange talk button on the bottom right of your screen.
All the above destinations would be covered on a Worldwide policy.
A pre existing medical condition is any chronic illness, disability or condition of the Insured Person for which medical advice or treatment has been given during the 12 months prior to the date of booking a trip.
Pre-existing conditions are automatically excluded on this policy. This means that any claims that occur because of a pre-existing medical condition are not covered. The pre-existing conditions of family members is also excluded.
This policy can't cover you for any condition or set of circumstances that may cause you to cancel, curtail or require medical assistance if they are known to you prior to booking a trip.
This policy can't cover you for any condition or set of circumstances that may cause you to cancel, curtail or require medical assistance if they are known to you prior to booking a trip.
Unfortunately, we can’t cover claims resulting from childbirth, pregnancy or resulting medical complications occurring after the seventh month of pregnancy. In any case, pregnant women should obtain a letter confirming their fitness to travel from a registered qualified medical practitioner.
No, but you may receive a reimbursement if you cancel for any reason outlined in your Policy Wording. Covered reasons include, but are not limited to, such unforeseen emergencies as illness, injury or death of you, your travelling companion and/or a close relative. The cover does not include cancellation due to business obligations, change of mind or your dislike of the travel time.
If you are unfortunate enough to have any lost/stolen items or belongings whilst on holiday, then you must notify the local police within 24 hours and obtain a copy of the police report.
In the case of any medical emergency or the need to curtail your trip due to an insured reason please call our Emergency Assistance Team. If you have Private Health Insurance, then you must also contact them and inform them of your medical emergency. Contact details can be found in your Policy Wording.
All claims should be notified to us as soon as is reasonable. You must forward original documentation when claiming. You will also be required to forward a copy of your Validation Certificate and Policy Wording. Contact details for the Claims Department can be found in your Policy Wording.
Under most Sections of this Insurance, claims will be subject to an excess. This means that you will be responsible for paying part of your claim. The amount you have to pay is the excess. In practice this is deducted from any settlement amount and is charged per person per claim.
Once you have purchased your travel insurance, subject to the condition detailed in the note below, you are entitled to a 14 day cooling-off period. If you contact us within this cooling-off period, you are entitled to a full refund of your travel insurance policy, provided you have not travelled, made any claims on the policy or used the policy to obtain a Visa.
In the event of a medical emergency, immediate access is available to the 24 Hour multilingual emergency medical assistance company. Your call will be answered by an experienced coordinator who will provide advice and assistance. Please refer to your policy schedule for contact details
Non-manual (not using or working with the hands) business trips are covered.
Travel within the Republic of Ireland and/or Northern Ireland is covered provided that the trip involves an overnight in pre-booked accommodation. Please note, medical expense cover is not provided for trips undertaken in the Republic of Ireland and/or Northern Ireland.
Yes, this documentation provides you with information and emergency telephone numbers that you may need in the event of making a claim whilst travelling.
File a police report within 24 hours. Also report the theft to your travel rep., if applicable. Retain copies of all reports and phone the designated Claims telephone number for a claim form on your return from holidays.
We are unable to provide cover for events that arise that were known about at the time you booked your holiday or purchased your travel insurance.
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.
We offer a discount on our travel insurance products to clients with Health Insurance plans that provide over €/£55,000 overseas in-patient medical expenses cover. You must ensure that your healthcare policy is valid and when you plan to take a trip you must ensure that your health insurance cover is in force up until and including your return date. All persons included on a Multi-Trip policy must also be covered by the healthcare policy. This healthcare policy must include up to at least €/£55,000 worth of medical expenses cover for All insured persons on the policy whilst overseas to include repatriation to your home country. It is important you do not leave any gap in your health cover and your travel policy.
The exact amount of overseas cover depends on precisely what plan, level and amount you are paying for. For full details you should contact your private medical insurer to confirm benefits. Please note this is your responsibility and we can’t provide advice to you in this regard.
Your baggage will be covered, however, you can take out travel insurance to cover you for medical emergencies, travel delays, or cancellations.