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Travel Insurance

Get 20% Off Your Travel Insurance By Buying Online*

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

Important Notice:  Please be advised that the military conflict between Russia and Ukraine may impact travel insurance coverages and benefits, and AIG’s ability to provide certain travel-related assistance services, for travel to, from or within Ukraine, Belarus or Russia.

Travel Policies

Help & Advice

Discover The Benefits of AIG Travel Insurance

Annual multi trip travel insurance starting from €2.82 per month[ 4 ]..

With all our travel insurance policies you will also get a wide range of benefits as listed below and in our  product information document .

Stepback no claims bonus protection

Quick Claims Process

Our claims process is designed to be quick and hassle-free, so you can get back to enjoying your travels as soon as possible.

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  • Flexible Cover Options

Choose from a range of plans to fit your specific needs and budget, whether you're traveling solo or with family and friends.

Breakdown Assistance

Global Coverage

We provide coverage for trips all around the world, so you can travel with peace of mind no matter where you go.

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24/7 Customer Support

Our knowledgeable and friendly customer service team is always available to assist you, whenever you need it

Choose the Best Travel Insurance Policy For You

Pick up a travel policy and explore more with our fantastic cover that provides a range of benefits with a 20% online discount[ 1 ]. If you have private medical insurance that has overseas medical cover, you could save even more with a 25% discount on your travel cover.[ 2 ]

Single Trip Insurance

Single Trip Travel Insurance

Take a long weekend away from €6.44 per trip [ 3 ], you can get budget holiday insurance that's quick, simple and cost effective for short term trips up to 120 days.

Annual Multi-Trip Holiday Insurance

Annual Multi Trip Travel Insurance 

From only €2.82 per month (€33.89 per year) [ 4 ], travel around Europe as much as you like for up to 12 months, with 17 days of our winter sports or skiing cover free.

Long Stay Insurance

Long Stay Travel Insurance

If you're in it for the long haul, more than 3 months and up to 12 months, enjoy peace of mind with our Extended Stay travel insurance; perfect for globetrotters.

Winter Sports Insurance

Winter Sports Travel Insurance 

Make the most of winter and the various activities it offers with our Ski & Winter Sports cover.

Family Holiday Insurance

Family Travel Insurance 

Add up to 4 dependents at no extra charge, so you can go on and enjoy your family trip.

Backpacker Insurance

Backpacker Travel Insurance 

Get 24/7 emergency assistance as standard so you can span the globe with added piece of mind.

Golf Travel Insurance

Golf Travel Insurance

Enjoy the fairways around the globe with our excellent cover for Golfers.


Covid-19 Update

Find out what AIG Travel insurance provides cover for in relation to Covid-19.

[1]  20% online discount automatically applied to all new business AIG Direct Travel Insurance quotes. 

[2]  25% discount is subject to owning Private Medical Insurance that provides overseas medical cover for all insured persons for the duration of their time abroad.

[3]  Price of €6.44 is based on an individual buying online aged 18-54 holding Private Health Insurance which provides medical cover for the duration of their time abroad, travelling for 3 days (2 nights) on a European Budget policy. Example correct as of 21/11/2023. 

[4]  Price of €33.89 is based on an individual buying online aged 18-54 holding Private Health Insurance which provides medical cover for the duration of their time abroad on a European Budget policy. Example correct as of 21/11/2023. 

Coronavirus (Covid-19) Notice

Due to the widespread media reports of Coronavirus (Covid-19), and the World Health Organization (WHO) announcement declaring Covid-19 a pandemic, Covid-19 is a foreseen or known event. If you are purchasing a new policy, certain covers will not apply.   AIG Travel insurance provides cover for the following Covid-19 related events:

a)  for trip cancellation  (Section A of the policy document attached) if  1)  an Insured Person,  2)  a person who an Insured Person has booked to travel with  3)  a relative or friend living abroad who an Insured Person had planned to stay with or  4)  a Business Associate has a  confirmed and documented diagnosis of COVID-19*  at the time of departure which prevents the Insured Person from travelling.

b) for medical expenses  (Section B of the policy document) and  cutting your trip short  (Section C of the policy document) coverage if an Insured Person has a  confirmed and documented diagnosis of COVID-19*  whilst on a covered trip to a country that the Department of Foreign Affairs (DFA) has allocated a security status of Normal Precautions or High Degree of Caution to.

Please note that travel to a country that the Department of Foreign Affairs (DFA) has allocated a security status of Avoid Non-Essential Travel or Do Not Travel to is excluded by our policy.

All other Covid-19 related claims are excluded. We encourage AIG travel policyholders to please refer to their  policy wording  for full details or get in touch with us on 1800 344 455 with any further queries. All claims submitted will be assessed in line with the terms, conditions and exclusions clearly detailed in the policy wording.

*Confirmed and documented diagnosis of COVID-19  means a positive PCR or antigen test which has been conducted by a trained clinician. Self-administered antigen tests will not be accepted as a valid confirmation of a positive diagnosis.

Enjoy a Worry-Free Holiday with Travel Insurance From AIG

Travel insurance fedback from aig customers, more than 3 in 4 aig customers would recommend us. [5].

[5] Based on a combined promoter score of 74% in 8,050 AIG new business customers and renewing customers from June 2022 to June 2023.

Customer images are for illustration purposes only and are not reflective of the customer in order to protect their privacy.

  • Quick Claim Process

Claims made easy. We'll always aim to make your travel insurance claim as quick and easy as possible.

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Quick Claim Process

Whether you're taking a break abroad or enjoying a staycation, we have a policy for you. See our  policy booklet for details.



Trip Cancellation

24/7 Help & Support

Whenever you need us, our 24/7 emergency assistance helpline are here to help as standard.



24/7 Support

79% of travel customers are delighted with our service [6]

[6] Based on a combined promoter score of 79% in Q1 2023 AIG new business travel customers



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What is Travel Insurance?

Travel Insurance is insurance that is designed to protect your health, belongings and the cost of your trip should anything go wrong while you are abroad or in some cases before you leave.

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Do You Have Private Medical Insurance?

Having a plan that covers medical treatment while you are abroad, might qualify you for cheaper travel insurance premium. 

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Do You Need Car Hire Excess Insurance?

Our Car Hire Excess Insurance can help take care of that nasty bill you may be left with if your rental car becomes damaged or stolen.

Get your great value Travel Insurance today

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 Travel Tips & Guides

Know more and make better choices - find useful tips and ideas on our  Travel Insurance Blog

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Whether you're an experienced skier or a novice hitting the slopes for the first time, our comprehensive guides have everything you need to make your ski trip a success.

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Traveling around Europe or dreaming of exploring South America or embarking on an African safari? We've got you covered with expert tips and things to know before you go.

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Learn how to save money on car rentals and discover must-know tips for a smooth and enjoyable journey. Prepare yourself for a stress-free car rental experience and make the most of your travels.

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Backpacking Tips & Advice

Whether you're a seasoned backpacker or planning your first adventure, our expert insights cover everything you need to know. From essential packing lists and practical travel tips to guidance on planning a gap year trip, we have you covered.

Travel Safety Tips & Advice

Travel Safety Tips & Advice

From practical airport safety measures, navigating last-minute holiday bookings, understanding the risks associated with traveling without insurance, ensuring hotel safety, and handling flight cancellations, our guide equips you with the knowledge to protect yourself and your travels.

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Family Travel Tips & Advice

We understand that traveling with children requires careful planning, patience, and creativity. That's why we've curated a comprehensive guide that covers various aspects of family travel.

Terms and Conditions:

[2]  25% discount is subject to owning Private Medical Insurance that provides overseas medical cover for all insured persons for the duration of their time abroad.

[3]  Price of €6.44 is based on an individual buying online aged 18-54 holding Private Health Insurance which provides medical cover for the duration of their time abroad, travelling for 3 days (2 nights) on a European Budget policy. Example correct as of 21/11/2023.

[4]  Price of €33.89 is based on an individual buying online aged 18-54 holding Private Health Insurance which provides medical cover for the duration of their time abroad on a European Budget policy. Example correct as of 21/11/2023. 

[5]  Based on a combined promoter score of 74% in 8,050 AIG new business customers and renewing customers from June 2022 to June 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.

• You may wish to compare the terms and conditions of this policy with those of your existing life, health, home and car insurance policies, as well as any other cover which you may already have or is available to you, including through other insurers, as a member of an organization, or through your bank/credit card program(s).

holiday travel insurance ireland

Compare Travel Insurance Ireland

Compare travel insurance to find the best travel insurance in Ireland. We do all the searching for you to find the best & cheap travel insurance. With just a few clicks using our 'travel insurance compare' feature, you can purchase the best travel insurance policy. It's Quick and Easy!

Single trip covers you one trip from the time you leave Ireland until you return including travelling to multiple countries.

Annual multi-trip covers you for an unlimited number of trips for a specified duration within one year.

Backpacker will cover you for between 3 and 24 months and include travel to multiple destinations. This cover is also known as ‘long stay’ or ‘extended stay’.

Policies will normally exclude cover if you are travelling to an area or country where the Department of Foreign Affairs has advised against travel. For advice on countries not to travel to and for more information prior to travel, visit

Annual multi-trip: cover will commence on the specified start date. If you choose to include cancellation cover, it will begin on the policy start date you have selected and not the date you buy your insurance.

Single trip and backpacker: cover will commence on the day you incept the insurance if you choose to include cancellation cover.

What to consider

Annual multi-trip: if you choose to include cancellation cover, it will begin on the policy start date and not the date you buy your insurance. Therefore, if you set the start date for when your first trip begins, you will not be covered if you are unable to travel.

Single trip and backpacker: if you choose to include cancellation cover, it will begin on the date you buy your insurance. All other policy features will begin on the date you select.

Who is covered?

Individual: this is to cover Individual travellers travelling alone or together.

Couple: this will usually cover 2 adults residing at the same address.

Family: usually two adults and a specified number children under the age of 18 who live at the same address. This also includes single parent families.

Definitions may vary from insurer.

Individual: as the name suggests, this will cover one traveller.

Couple: this will typically cover two adults who live at the same address.

Family: this will typically cover two adults and up to four children under the age of 18 who live at the same address.

Winter sports: an additional cover required if you are going on a trip that will involve you skiing or snowboarding etc. This may also include cover for off-piste skiing and for your equipment.

Cruise cover: these policies include cover for cruises and may include extras such as missed port departure and cabin confinement.

Business Trip: these policies are tailored for the business traveler and may include additional cover for mobile phones, laptops or other items used in support of your business.

Always read the policy wording carefully as it may include specific conditions and exclusions. Please ensure that your insurance provider will cover you for all destinations on your cruise.

Private Heath Insurance

Insurers will usually offer a discount and cover some pre-existing conditions automatically if all the insured persons hold an eligible Private Health Insurance policy that covers in-patient medical treatment abroad of at least €55,000 per person per claim. The policies will usually re-quire you to claim from your PHI provider in the first instance if you receive medical treatment abroad with the Travel Insurance benefits offering a top up if you exceed the limit of your PHI.

Please refer to the insurer’s policy documents for full terms and conditions.

What is a medical condition?

An illness or injury for which you have taken medication or been given treatment.

This also includes conditions from which you have suffered symptoms, but not yet had a diagnosis and ongoing medical conditions. Policies may exclude any claims relating to being on a waiting list to receive a diagnosis or treatment or a terminal illness. This may also extend to non-travelling family members.

This policy is only available to you if you have been permanently resident in Ireland for the past six months.

What our customers say

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Find Best Travel Insurance in Ireland with Ucompare

Ucompare's tool does all the hard work for you and helps you to compare & buy cheap travel insurance in Ireland.

Whether it's the annual travel insurance, single trip, backpacker travel, or global travel insurance; fill in our simple form & get multiple quotes to compare & choose the best insurance.

Annual trip Policy

Our annual trip holiday insurance policies cover avid travelers for a full 12-month period. You can select from various geographical locations, including Europe, the US, Australia, or even worldwide.

An annual trip travel insurance policy covers you for all trips made within the year, so you never need to worry about any last-minute panic to arrange travel insurance.

If you are a frequent flyer, it will often be much better value than individual policies for each trip.

Single trip Policy

We also offer a huge range of comprehensive single trip travel insurance options. If you don't travel as frequently, the single trip option can save you a lot of money and stress if anything doesn't go to plan.

This travel insurance type offers advantages, including the policy being tailor-made and designed especially for your trip abroad.

We offer a large range of add-on options for whatever you may need.

Backpacker Policy

If you are travelling for an extended period of time, our backpacker travel insurance options have you covered.

It is the most popular option for those jetting off to travel the world and is essential if you will be away from home for more than 3 months.

Our Backpacker travel insurance policy options can cover you for up to 2 years, so no matter how long you will be away for, make sure to get a quote today.

Benefits of Travel Insurance with Ucompare

Travelling brings you the most wonderful memories to cherish forever. But sometimes things may not always go according to the plan.

Lost luggage at the airport, flight cancellations, flight delays, natural disaster or a medical emergency can seriously hamper your travel plans.

Unfortunately, you don't have control over these mis happenings. But what's in your control is to buy the right holiday insurance policy which provides you the cover you need in these unfortunate circumstances.

Our travel insurance options come with a range of benefits to give you the best cover possible. These include delayed or lost baggage cover, trip cancellation cover, winter sports cover, and car hire excess cover.

Many benefits come as a standard with your policy. For any extras, you might require you can select various add-ons, so be sure to know what you are looking for with the help of our easy to understand comparison tool.

With the range of benefits on offer, you can select the perfect travel insurance policy tailored to your precise needs.

With some help from Ucompare, finding the best deal on your holiday insurance is quick and easy with our easy and stress-free comparison tool, there hasn’t been a better time to choose your next policy.

Hope this will help you find the best travel Insurance in Ireland

Buy Cheap Travel Insurance with Ucompare

Travel Insurance is absolutely essential for anyone who is considering travelling abroad. The Travel Insurance market in Ireland can be daunting so has brought all of the main competitors together to make your life easier. offers a range of Cheap Travel Insurance products in Ireland and they also offer more comprehensive and specialised cover too.

There are a number of different ways in which you can save money on your travel insurance. For instance, many companies automatically select the postage and text message option when you are running a quotation, if you pay attention & remove these options you could save yourself up to €5.00.

Another way to save money is to watch out for the automatic renewal option. While this can be seen as convenient for some travellers, it also pays to shop around and ensure that you are getting the best deal around every year.


Ireland Travel Insurance

Travel insurance for ireland.

Known for its lush green countryside, ancient castles, and lively traditions, Ireland captivates the hearts of visitors from around the world. Whether you're exploring the vibrant streets of Dublin or marveling at the dramatic Cliffs of Moher, Ireland promises a journey filled with unforgettable experiences. As you embark on your Irish adventure, you must be well-prepared for any unforeseen events. That's where travel insurance comes into play, offering coverage throughout your travels. In this guide, we'll walk you through the ins and outs of travel insurance for Ireland, helping you explore the Emerald Isle with confidence.

  • What should your Travel insurance cover for a trip to Ireland? 

How does Travel Insurance for Ireland work?

  • Do I need Travel Insurance for Ireland? 
  • How much does Travel Insurance cost for Ireland? 

Our Suggested AXA Travel Protection Plan

  • What types of medical coverage does AXA Travel Protection plans offer?
  • Are There Any COVID-19 Restrictions for Travelers to Ireland?
  • Traveling with pre-existing Medical Conditions? 

What should your Travel Insurance cover for a trip to Ireland?

At a minimum, your travel insurance to Ireland should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State  outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

  • Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
  • Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
  • Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
  • Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
  • Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Ireland.

Imagine you've planned an exciting journey to Ireland, ready to explore the historic sites and savor the scenic beauty. On the day of your departure, however, you receive news of unexpected severe weather conditions affecting your connecting flight. The airport announces a significant delay, leaving you stranded and unsure about the next steps. Here's where the "Trip Delay" benefit comes to your rescue. With this coverage, you can rest assured that your additional expenses, such as meals and accommodations during the unforeseen delay, are taken care of. In times of escalating challenges, AXA stands ready to assist you in devising a strategic course of action. Here’s how travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits: 

  • Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
  • Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
  • Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

  • Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
  • COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
  • Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 
  • Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Baggage Benefits: 

  • Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
  • Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Additional Optional Travel Benefits:

  • Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
  • Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
  • Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
  • Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I need Travel Insurance for Ireland?

 You don't have to get travel insurance for an Irish visa, but it's a good idea to follow the official advice and get yourself covered.  Here are several reasons why securing travel insurance for Ireland is recommended:

Medical Emergencies: While Ireland offers free healthcare to EU and UK residents, travelers from other regions may face substantial medical expenses in case of illness or injury. Having coverage for emergency medical expenses becomes essential so you can receive necessary medical care without worrying about hefty bills.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

Trip Delays: Given Ireland's unpredictable weather conditions, having coverage for unexpected delays can be particularly relevant. Whether it's due to adverse weather affecting flights or other unforeseen circumstances, this benefit may cover additional expenses for meals and accommodations incurred while you wait for your flight.

How much does Travel Insurance cost for Ireland?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:

With AXA Travel Protection, travelers to Ireland will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Ireland hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.

The Platinum Plan is your go-to choice if you're looking for extra coverage for Ireland’s experience. " Cancel for Any Reason " offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring Ireland's stunning landscapes in a rental car. The "Loss Golf Days" benefit offered by the Platinum Plan is particularly beneficial for travelers visiting Ireland, a country renowned for its world-class golf courses. In the event of unexpected closures impacting your prepaid golf plans, this optional coverage offers reimbursement, allowing your golfing experience to remain pleasurable despite unforeseen disruptions.

What types of medical coverage do AXA Travel Protection plans offer?

AXA covers three types of medical expenses:

  • Emergency Medical
  • Emergency evacuation & repatriation
  • Non-medical emergency evacuation & repatriation

Emergency medical: Covers unforeseen events such as fractures, burns, sudden illnesses, and allergic reactions.

Emergency evacuation and repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness.

Non-medical emergency evacuation and repatriation:  Assists in situations requiring immediate departure from a destination due to non-medical incidents. These events may include natural disasters or civil unrest, and the coverage provides support for evacuation.

Are there any COVID-19 restrictions for travelers to Ireland?

As of March 2022, all COVID-19 travel restrictions have been lifted. There is no requirement to fill out a passenger locator form, provide proof of vaccination or recovery, or undergo a COVID-19 test.

Traveling with pre-existing Medical Conditions?

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.   Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, 

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plan with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation.

1. Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2. When should I buy Travel Insurance for Ireland?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3. Do Americans need travel insurance in Ireland?

Travel insurance is not mandatory for U.S. visitors to Ireland. However, having coverage for medical emergencies, trip cancellations, and rental cars can protect you from financial losses due to unforeseen circumstances and costly medical expenses.

4. What is needed to visit Ireland from the USA?

To enter Ireland, a valid passport is required. U.S. citizens can enjoy visa-free entry for tourism or business stays lasting up to 90 days. While there is no specific minimum passport validity requirement, it is advisable to possess a passport valid for the entire duration of your stay. Additionally, it is recommended to have evidence of ample funds to support your stay and a return airline ticket.

5. What happens if a tourist gets sick in Ireland?

If you become sick in Ireland, travelers with AXA Travel protection can contact the AXA Assistance at  855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

AXA already looks after millions of people around the world

With our travel insurance we can take great care of you too

Get AXA Travel Insurance and travel worry free!

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Allianz Assistance  Travel Insurance

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Presence in 66 countries worldwide to support you

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  • Sales and claims services are based in Ireland
  • Allianz Assistance is part of the Allianz Group and is one of the world‘s leading Travel Assistance Companies
  • Allianz Assistance has a presence in 66 countries worldwide to support you
  • Allianz Assistance have significant expertise in Travel Insurance & Assistance. They provide a wide range of flexible travel insurance products with optional covers.

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Annual Multi Trip

Our annual multi trip policy helps keep you protected whenever you travel, covering you for all of your trips of up to 35 days in duration, throughout the year.

Annual multi trip insurance policy information  click here .

Our backpacker travel policy offers protection for up to 365 days against risks such as cancellation, delays, missed departures, lost or stolen personal items and medical expenses.

Backpacker insurance policy information  click here .

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Single Trip

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Contact  allianz assistance travel insurance.

If you have a query about your travel insurance policy you can call Allianz Assistance on 01 619 3681 , Mon - Fri 9am - 5pm

Or email: [email protected]

AWP Assistance Ireland Ltd, trading as Allianz Assistance and Allianz Partners, is regulated by the Central Bank of Ireland, registered in Ireland No: 163174. Registered Office: Allianz Assistance , 11b Joyce Way, Park West Business Campus, Dublin 12, D12 C4V6 VAT no IE6563174F. 

AWP Assistance Ireland Ltd arranges insurance and carries out a full policy and claims administration service for customers on behalf of AWP P&C S.A. – Dutch Branch, who is the underwriter.

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Annual Travel Insurance

Travel Insurance from €14.99* with 24/7 GP access.

*AA Travel Insurance Annual Multi Trip Value price covers one adult under 50 to Europe with private medical insurance. AA Ireland is tied to Inter Partner Assistance SA for travel insurance policies.

Discover AA Travel Insurance Features And Benefits 🏝

Peace of mind for every adventure: Travel anywhere with AA Travel Insurance Ireland! Our comprehensive coverage protects you at home or abroad, including 24/7 access to a GP – that’s standard! Plus, there are even more benefits to discover. Get a quote today!

Annual Multi Trip

Get cover before, during and after your holiday the whole year.

Cancellation Cover

Cover up to €6,000 for any lost travel and accommodation costs if cancelling your trip is unavoidable

Medical Cover

Emergency medical and repatriation cover up to €10,000,000

Baggage Cover

If your baggage is delayed for more than 12 hours we cover you for up to €300 (€50 per day)

Winter Sports Cover

Covers a wide array of winter sports activities including skiing and snowboarding

COVID-19 Cover

Cancellation, Curtailment, Medical Expenses & additional accommodation cover if you contract COVID-19 while abroad & unable to return home as planned.

Important Notice: Aer Lingus Strikes

Any AA Travel Insurance policy purchased on or after 19th June 2024 will not cover claims arising from industrial action of Aer Lingus staff or partners. Any claims arising from policies purchased before 19th June 2024 will be reviewed at the point of claim in line with our existing terms & conditions. Please see your policy documents for more information.

24/7 access to a GP as standard.

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All AA Travel Insurance policies now give you access to an English speaking GP 24/7 whilst you are abroad. If you need a doctor , they are just a call away or click away…

Our Cover Options You Might be Interested In....

Eyeing a short adventure?

Single Trip Travel Insurance

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Big break or mini-vacation? We can help you plan!

Backpacker Travel Insuranceurance

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With AA Travel Insurance, we have something for everyone.

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Get cheap holiday Insurance from as low as €14.99  We Cover Medical, Baggage, Annual Multi-Trip, Cancellation etc.

Travel Insurance Frequently Asked Questions (FAQs) ✨

What does travel insurance not cover.

With AA Travel Insurance you can include additional add-ons like Travel Disruption, Car Hire Excess, Cruise Connection, Golf, Wedding & Winter Sports cover to you policy so you can avoid not being covered in these situations

When should I buy travel insurance?

 You should buy travel insurance as soon as you begin planning your holiday that way you can ensure you’re fully covered, or opt for an annual multi-trip policy to cover all your trips throughout the year. Learn More.

I have a medical condition. Can I buy your travel insurance?

Of course! But in order to ensure your pre-existing medical condition is covered, you would need to speak to our Medical Screening line. An additional premium would occur to cover pre-existing conditions. Read More.

What does AA Travel Insurance cover in relation to Coronavirus (COVID-19)?

Yes we do! We’ll cover you for cancellations, shortened trips, medical costs, and extra lodging expenses if COVID-19 affects your travel plans and you’re unable to return home on schedule. Read More.

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We hope your trip will go off without a hitch, but should something change. We’re here.

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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.


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.


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.


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

Get a travel insurance quote from The AA

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All the help you need to buy the right travel cover for your holiday, get a European Health Insurance Card, and what to do if things go wrong.

Why get travel insurance?

Travel insurance can protect you financially if something goes wrong when you’re travelling abroad or on holiday.

This could include paying for medical care if you fall ill, refunding your booking if you have to cancel or compensating you for lost or stolen personal belongings.

Find out how to secure the right travel insurance in our guide. Here’s what’s included:

What travel insurance covers

Types of travel insurance.

  • Buying travel insurance in Ireland
  • What the European Health Insurance Card covers
  • Making a claim on your travel insurance

Holiday consumer rights

What’s covered by travel insurance.

It depends on the insurance provider and level of cover you choose, but most decent policies cover:

  • Emergency medical assistance: which pays for the cost of medical treatment if you fall ill overseas. This also covers repatriation costs to get you home to Ireland if you’re not well enough to travel on a standard flight.
  • Personal accidents & injury: which pays you a lump sum if you have a serious accident on your holiday resulting in life-changing injuries, for example, losing a limb or your sight.
  • Cancellation & curtailment: which refunds the cost of your trip if you need to cancel or cut short your trip due to unforeseen circumstances, for example, if you or a family member are seriously ill or you’re made redundant after you book.
  • Luggage & personal possessions: which pays out the cost of replacing lost or stolen luggage and for essential items to tide you over if your baggage is delayed at the airport.
  • Lost or stolen money & documents: covers your foreign currency, including cash like U.S. dollars or British pounds. This also covers your travel documents and passport if they’re lost or stolen on your trip.
  • Personal liability cover: which protects you financially if you cause an accident or injure someone else while abroad.

You can also add extra cover to include things like:

  • Winter sports, e.g. skiing and snowboarding
  • Extreme sports, e.g. scuba diving or paragliding
  • Golf equipment & bookings, including your clubs and green fees if you’re injured or too ill to play

Make sure you take your European Health Insurance Card (EHIC) if you’re travelling in Europe, even if you have travel insurance.

To get the right value from your insurance, it pays to get the right type of insurance tailored to your circumstances and the type of travel.

Here’s the types of insurance you can get in Ireland:

  • Single trip insurance: This covers one trip only, usually for between 30 and 60 days and is the cheapest.
  • Multi-trip insurance: Also called annual cover, it covers multiple trips in one year. It may cover worldwide or just Europe & UK trips.
  • Backpackers insurance: Cover designed for travellers going on a long trip or holiday abroad. Many standard travel policies only offer cover for up to 30 days per trip, but with a backpacker policy, you can get cover for up to two years plus cover for visiting multiple counties.
  • Winter travel insurance: Cover that includes extra protection for activities like skiing, snowboarding and tobogganing. Some standard travel insurance policies exclude these activities because they’re high risk and the cost of medical care on the slopes can be very expensive.
  • Elderly travel insurance: Cover for older people can be harder to find or more expensive because over 65’s pose a greater risk for medical care. It may also have more restrictions, so take more time to read the T&Cs and compare quotes.
  • Family travel insurance: Cover for your children will work out cheaper if you buy a family policy and if you choose annual family cover you’ll have the flexibility to travel as an individual or a couple too. Perfect for a snatched weekend away!

You can read our guides How to find the right travel insurance guide or How to get travel insurance as you get older to find out more about other types of insurance.

Travel insurance ireland abroad

Single trip or annual multi-trip travel insurance?

If you have more than two trips planned per year, it’s usually cheaper to get an annual policy, but your age and medical history may affect what’s available.

With annual cover, you’ll be covered for any short trips in Ireland, but if you plan to travel outside of Europe and the UK or are unsure of your travel plans, choose an annual policy that covers worldwide destinations.

For a look at the pros and cons of single versus multi-trip insurance, visit How to choose the right travel insurance .

How to choose the right type of cover

You’ll save money by choosing the right type of travel insurance for your circumstances, so ask yourself these questions before buying:

  • How many trips are you taking? Consider taking out annual cover if you plan to travel more than three times per year.
  • What will you be doing? Consider specialist cover if you plan to go skiing or do another high-risk activity.
  • Who is the cover for? Check for discounted cover if travelling as a couple, family or group. If you’re over 70 your choice may be more limited.

For more advice on finding the right insurance for your needs, visit our how to find the best travel insurance guide.

Does travel insurance cover COVID-19?

Losses due to epidemics, border closures, warnings, travel advisories or quarantine rules are generally not covered; however, some insurers offer COVID-19 related benefits.

They may provide cancellation, curtailment, medical expenses and accommodation cover if you get COVID-19 while abroad and are unable to return home as planned.

If this is an important concern, shop around, read the terms and conditions carefully and get several quotes before choosing a travel policy.

Buying travel insurance

How much does travel insurance cost.

Standard single trip insurance could cost you less than €25 if you are young with no underlying medical conditions, but may not provide the cover you need if it’s very cheap.

Annual or multi-trip travel insurance could cost around €50 or more for European cover and €65 or more for Worldwide cover. The older you are, the higher the premium regardless of your health.

If you have private medical insurance which covers you while you’re abroad, your travel insurance will be cheaper still.

What affects the price of cover?

  • your destination
  • your medical history
  • whether you have private health insurance

To find the cheapest travel insurance quote, shop around so you can compare prices and benefits.

What if I have private medical insurance?

Even if your existing medical insurance covers you abroad, a comprehensive travel insurance policy can offer financial protection in other areas, for example, if you need to cancel your trip or your travel money is stolen.

The good news is that many travel insurers in Ireland offer a discount on your quote if your medical insurance covers you abroad, which could make your travel insurance even cheaper.

If you hold private medical insurance, you could get up to 25% off the travel cover price.

What’s the age limit on annual multi-trip cover?

For many annual policies, the maximum age limit is 75 years, but often people over 70 years must hold private health insurance.

Should you buy the cheapest travel insurance?

Although it’s tempting to pick the cheapest policy, it’s not always a good idea with travel insurance. The cheapest policies will offer less cover and have more exclusions.

It’s best not to scrimp on cover for medical expenses and personal liability because you could end up liable for eye-watering expenses if you get ill or are involved in an accident on holiday.

Also, pick a policy that fully covers the cost of the holiday and your belongings and find a policy that includes enough financial protection for you and your family.

Who offers travel insurance in Ireland?

Most of the large insurers in Ireland offer travel insurance, as do private health companies. An online search will also provide a selection of smaller, travel insurance specialists.

Although there are many insurance providers to choose from, many policies are underwritten by the same companies.

What you need to buy travel insurance

Before you buy your travel insurance, you’ll need to know:

  • Your destination: usually shown as UK and the Channel Islands, Europe or Worldwide (including or excluding USA and Canada).
  • The dates of your trip: this is the date you leave Ireland and the date you arrive back in Ireland.
  • Who needs to be covered: usually shown as individual, couple or family but check the help information for exclusions.
  • The age of each traveller if you’re buying a group policy, have that information to hand.

You may also be asked to confirm:

  • If you hold private medical insurance that covers trips abroad
  • If you need cover for winter sports

When should you buy travel insurance?

It’s best to buy your single-trip travel insurance as soon as you book your trip so you’re covered if the flights, accommodation or package holiday is cancelled.

This will also cover you if something happens before your trip starts, which means you have to cancel your holiday, e.g. you or a relative becomes seriously ill.

For an annual or multi-trip policy, you need to know roughly when you’ll be travelling as you have to choose a start date for your policy and it runs a year from that date. If you book a holiday that starts before your policy does, you won’t be covered.

The European Health Insurance Card

What is european health insurance (ehic).

It’s free healthcare available to Irish residents and EU citizens living in Ireland. The European Health Insurance Card, known as the EHIC or formerly E111, shows that you’re eligible for free healthcare when you travel in Europe.

If you’re travelling to the EU or European Economic Area (EEA) you should take it with you in case you become unwell or have an accident and need medical attention.

Each member of your family needs an EHIC when they travel within the EU. You can apply for them in person, by post, or online if you have a medical or drug payment scheme card.

What does it cover?

Here’s a summary of what the EHIC does and doesn’t cover you for:

  • Free or reduced cost state healthcare in any of the EU and EEA countries
  • Pre-existing medical conditions
  • Routine maternity care - as long as you’re not going there to give birth
  • A temporary stay up to three months*

Not covered

  • Private healthcare or costs for something like mountain rescue
  • Ongoing or permanent healthcare
  • Medical expenses, if your reason for going abroad is to have treatment
  • The cost to fly you back to Ireland

*If you’re a student studying abroad, you’ll be covered for up to an academic year.

How to use the card

If you need medical care while you’re away, you must show your EHIC to the public medical centre or hospital as evidence of eligibility.

You can expect to get the same treatment and care as local residents and on the same terms.

If public healthcare is free in the country you’re visiting, you won’t pay anything, but if there’s a charge for medical services, you’ll be charged too.

Here’s more information about how to use your EHIC in each country and any costs involved.

Do you still need travel insurance?

Yes, it’s essential you get travel insurance and an EHIC, or you won’t be covered for things like cancellation and lost or stolen luggage.

Your EHIC just covers medical costs in the EU, but travel insurance can include many extras to suit your trip, such as winter sports cover. You can find out more about how to choose the best travel insurance in our helpful guide.

How to renew or apply for the EHIC

You can either apply or renew:

  • In person: at any local health office except Dublin North West. Check what ID to take.
  • By post: Print out an application form and post it to your local health office along with any documents required.
  • Online: using the official HSE website

The EHIC is completely free. Never use a website that tries to charge you a fee.

Claiming on your travel insurance

You’ll need to contact your insurance company as soon as possible in the event of a problem.

Remember to take your travel insurance documents and their emergency contact details with you when you travel. Take a paper and electronic copy of the policy so you have more than one way of accessing the information.

If you’re taking expensive items abroad, jot down serial numbers or take photos of your electronics or jewellery before you travel.

Here’s the emergency claim numbers of popular travel insurers in Ireland:

Claiming for illness, accidents and medical emergencies

If you need medical treatment while you’re away, you’ll need to contact your insurer as soon as possible. Your insurer has to agree to any medical procedures, so do this before treatment takes place.

This may not be possible in an emergency, so get evidence of any treatments or medication you’ve paid for.

Depending on the country you’re in, you may have to pay up-front for treatment and claim it back when you get home, so always secure medication receipts or an invoice for medical treatment.

It’s vital you tell your insurer about any existing health problems or conditions when you take out insurance, or you may not be covered.

Claiming for lost, stolen or damaged belongings

If your belongings are lost or stolen, inform the local police within 24 hours of your items going missing and get a statement. If this isn’t possible, tell someone else such as your hotel manager, tour operator or airline and get a written report.

If you have to replace essential items, such as toiletries or clothing, keep receipts for everything you need to purchase and provide them as evidence to support your claim.

Your insurer will want to see that you’ve taken reasonable steps to look after your luggage or belongings whilst travelling, so be prepared for questions and support your claim with evidence wherever possible.

Claiming if you have to cancel your trip

Your claim for cancellation or trip curtailment will only be accepted under certain conditions. It’s wise to check the small print for acceptable reasons, but typically they will be:

  • unexpected death, illness or injury involving you, your partner or fellow travellers
  • unexpected damage to your home, such as fire, flood or burglary
  • you’ve been advised not to travel due to pregnancy (after you bought insurance)
  • you’ve been called for jury service or as a court witness

Check your policy schedule for the rules of reimbursement should you have to cut short your trip.

You now have the same rights whether you book your holiday at a high street retailer or online. Here are your consumer rights if you book a package holiday or linked travel arrangement.

When can you cancel?

You can cancel at any time up to the start of your holiday for a reasonable cancellation fee. The less notice you give, the more money you’ll lose.

You may be entitled to a full refund without paying any fee in the following situations:

  • In extraordinary circumstances: e.g. war, terrorism, floods and earthquakes that will significantly affect the holiday or stop you from reaching your destination safely.
  • If the price increases by more than 8%: you have the right to cancel without paying a charge. Contractually no price changes are allowed within 20 days of the departure date.
  • If significant changes to the holiday are made: e.g. departure and arrival times that will affect your accommodation and transport arrangements.

When can the travel company cancel?

They may have to cancel due to extraordinary circumstances beyond their control or where they can’t get the minimum number of participants needed for a trip to run. In these situations, you have the option of:

  • A replacement holiday of equal or superior quality
  • A lower quality holiday, plus a refund for the difference between the two trips
  • A full refund

Can your holiday price go up after you’ve booked?

Yes, the cost can go up but not within 20 days of your departure date. The cost of your trip may be affected by increases to:

  • Transport costs e.g. fuel prices
  • Taxes, fees and duties charged at airports or ports
  • Currency exchange rates

What are my package holiday rights?

If you book a package holiday, you should be:

  • Given all the essential information from the retailer or trader before the booking is completed.
  • Able to contact the organiser directly and through the retailer you bought the package from (if different).
  • Entitled to a full refund and repatriation if the trader becomes insolvent.
  • Able to transfer the holiday to another traveller, giving reasonable notice and you may have to pay costs.
  • Offered suitable alternative arrangements at no extra cost if a significant proportion of the travel services can’t be provided.
  • Given assistance if you’re in difficulty e.g. access to healthcare or alternative travel arrangements.

How to complain about your holiday

You must raise any issues with the travel organiser without delay, where you feel a service isn’t satisfactory. If you delay, it could affect the compensation you get.

They should be allowed to put things right, but if this doesn’t happen, you should gather evidence to support your complaint e.g. take photos or video footage.

If the matter is still unresolved when you’re back home, you should put your complaint in writing within 28 days of the holiday end date. Details of where to send your complaint should be shown in the contract’s terms and conditions.

If you’re unhappy with their response or they fail to respond within a reasonable timeframe, you can contact:

  • The Competition and Consumer Protection Commission (CPPC): who can investigate Irish traders and ensure they comply with the Consumer Protection Act.
  • ECC Ireland: who can settle complaints between consumers and traders in another EU country, not Ireland.

Travel companies may use arbitration to resolve complaints. This is where an independent party investigates and reviews the evidence to decide how much compensation to award.

You also have the option of pursuing a claim up to €2,000 through the Small Claims Court.

Specific travel insurance questions

What is the maximum length trip i can get cover for.

It depends on the insurer. Most insurance providers cover trips lasting up to 30 days, but you could find cover up to 60 days if you shop around.

If you buy an annual travel insurance policy, you’re covered for multiple trips but only up to the maximum duration per trip and total duration for the year.

If you need continuous cover for longer, backpacker insurance usually lasts up to a year but can last up to two years.

Do you need special travel cover if you're pregnant?

Most travel insurance policies will cover you to travel in the early stages of pregnancy, but you should always check how far into the pregnancy the cover will last. For example, you may be covered to travel up to 32 weeks into your pregnancy but not beyond this date. If you fall pregnant after taking out a travel insurance policy and will be at a late stage in your pregnancy when you’re due to travel, you may be able to claim for cancellation.

What is a linked travel arrangement?

This is where you buy two or more travel services from different companies that are linked. For example, you book a flight on one website and click on a targeted link to another website where you book accommodation for your trip.

The second booking must be made no later than 24 hours after the first, to count as a linked travel arrangement.

You have fewer rights with a linked travel arrangement than with a package contract and you’re only covered against insolvency with the first booking.

What does repatriation mean?

It’s the return of someone to their own country. For example, if you fall seriously ill during your holiday you’d have to travel back to Ireland early and may need treatment on the flight home.

Emergency repatriation can be very expensive because you may need to travel back to Ireland in a specialist air ambulance, or you might have to be brought home from a remote location.

Repatriation is usually included in the medical cover benefit of a travel insurance policy, but check the policy document to make sure.

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Are we there yet? It's Travel Insurance, but better.

Get the cover you need in a matter of minutes, the travel insurance that takes you further..

You’re going on your holidays, of course you don’t want to think about things going wrong… So don’t! Let us do it for you. Just pick the policy you need, and make sure you have your passport and sunglasses. We’ll take care of the rest. 

Find your perfect plan in the short summary below, or download the full list of inclusions in the policy document here :

Platinum Cover is available for Europe or Worldwide, Single or Multi-Trip, with or without winter sports. With Platinum Cover you are covered up to the higher amount in the inclusions below:

Cancellation & Curtailment (Up to €1,000- €6,000)

Personal Luggage (Up to €1,000- €3,000)

Medical (Up to €2 Million- €10 Million)

Delayed Departure (Up to €200 - €400)

Abandonment (Up to €1,000- €6,000)

Missed departure (up to €400- €600)

Travel Document Replacement & Personal Money (Cash up to €150- €300)

Personal accident (Up to €5,000- €40,000)

Legal Expenses (Up to €15,000- €20,000)

Personal liability (Up to €1Million - €2Million)

Credit Card/ Cash Card Fraud (Up to €300- €500)

Optional Winter Sports: Piste closure (Up to €500- €750) & Inability to Ski (Up to €300- €500)

Optional Winter Sports: Equipment (Hired/ Owned) (Up to €250 – €500)

Optional Winter Sports: Ski Hire (Up to €300- €500)

Optional Winter Sports: Avalanche/ Landslides (Up to €500- €750)

Gold Cover is available for Europe or Worldwide, Single or Multi-Trip, with or without winter sports. With Gold Cover you are covered for a middle of the range amount, for the inclusions below:

Bronze Cover is available for Europe or Worldwide, Single or Multi-Trip, with or without winter sports. With Bronze cover you are covered up to the lesser amount in the inclusions below:

Need to make a claim?

For Non-Medical Claims If you need to make a claim on your Travel Insurance policy, you can contact our claims team Monday to Friday, 9am to 5pm by: 

Phone: 091 501 674  Email:  [email protected]

In the event of an emergency abroad You should contact the MAPFRE ASSISTANCE Agency Ireland 24-hour helpline number +353 91 501 674 . 

Give Your name, Policy Number and as much information as possible, together with a telephone number where You can be contacted day or night. Travel insurance is provided by MAPFRE ASISTENCIA Compania Internacional De Seguros y Reaseguros, S.A

Why not have a look at our Car and Home Insurance

Veronica, Dublin, Jan 2024

“It is such a pleasure to deal with the staff in, they are so well disposed to customers & their appreciation of customers is exceptional. No other insurance company has this caliber of customer service.”

I.H, Limerick, Jan 2024

“Extremely easy, clear website, and great communication via email and text message. Could not be easier.”

Anna, Cork, Jan 2024

"Signing up was stress free and super easy. Documents were dealt with extremely promptly and I had my disc and cert within days. Absolutely brilliant."

Need help with something else, get in touch.

If you still have questions or you want to tell us how we can do better, you can email us, give us a call on 01 518 1434

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Travel Insurance

Enjoy your travel with great cover.

Travel Delay & Cancellation Covered

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Benefits Covered

Medical expenses.

If you need medical assistance abroad, we’ll make sure you don’t need to worry about the costs and can focus on your wellbeing.


Sometimes unforeseen events mean you have to cancel or end your holiday early. We’ll ease the burden so you can pay the extra cost.

24/7 Worldwide Emergency Assistance

If you find yourself in an emergency when abroad you can call us anytime.

Covid Cover

  • Cancellation costs prior to travelling and coronavirus cover while on holiday.

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Why choose Arachas?

Anywhere in the world, whether it's a staycation in Ireland or a vacation abroad - we'll keep you protected.

  • We offer you more choice from trusted insurers. Choose the travel insurance policy and price that's right for you.
  • 90% of customers stay with us year on year because we do what we say and we keep our promises.
  • Getting travel insurance with us is quick and easy, it just takes 5 mins to quote and buy online.

Take a closer look at travel insurance

Whatever you want, we’ve got it.

Personal Property

It’s hard to keep all your belongings safe when on the move or in new surroundings so we cover loss of your personal property while abroad.

Personal Accident

Accidents can be frightening wherever they happen but you can be sure we will have you covered if it happens when you are abroad.

Overseas Legal Expenses

Holidays are meant to be fun but if you have an accident, damage someone’s property or become involved in a dispute, legal representation can offer comfort and support in resolving incidents.

Product Details

Frequently asked questions.

Coronavirus Information


It's important that you know what Chubb Travel Insurance will and won't cover for Coronavirus (Covid-19) so that you can decide whether this policy meets your needs.

We'll cover cancellation costs if you or someone you're travelling with:

  • Contracts Coronavirus before your trip.
  • Is required to quarantine on orders of a treating doctor/HSE, and the period of quarantine goes past your original departure date.

Important Note: Covid-19 "positive" test must be certified in writing as specifically relating to You or Your Travelling Companion(s) by a test that is recognised by the Republic of Ireland Government, including such a test that is carried out by a licensed pharmacy, a licensed laboratory or the treating Doctor.

What Coronavirus cover do you have when you’re on holiday:

  • We will cover overseas medical and repatriation (the cost to get you home) expenses provided you are not travelling to areas where the Department of Foreign Affairs (DFA) allocates a security status of "Avoid non-essential travel" or "Do not travel".
  • We'll also cover any additional accommodation (room only) and travelling home costs you may have if you are required, on the orders of a Doctor, to quarantine on holiday, if the period of quarantine goes past your original return date.

For Full details please refer to our  COVID-19 document . This document will also be issued with your policy confirmation email should you decide to purchase.

Policy Arrangements

Can I get instant cover and policy documents - I’m travelling today?

Yes! As soon as your credit card details have been validated, we will confirm your cover on screen, and to the email address you have provided. You can also choose to get an SMS with cover details to your mobile. Provided you have your policy number, emergency number and claims number, you have all the basic information you need.

When does my cover begin?

If you are buying a single trip policy, your cancellation cover begins instantly. If you are buying an annual policy, your can choose when your cover begins (up to 180 days in the future). If you have already booked a holiday, and have no other travel insurance arrangements in place, you should ensure your policy starts immediately, so you are covered for cancellation.

What happens if my flight is delayed beyond the insurance period?

If your flight is delayed on your return journey and you do not get back into the country until after your travel insurance policy has expired, your cover will continue until your airline can get you home.

  • Travel Insurance is your ticket to cheap but comprehensive Travel Insurance. We will protect you and your family against any mishaps that may occur during your travels.

We offer both single trip insurance and annual multi-trip insurance quotes . Rates start at as little as €1.82 per day for single trip, and €36.53 per year for multi-trip. We also specialise in Travel Insurance for Over 65s , Over 70s , and Over 75s . So we’ve got you covered no matter where you’re going, how often you’re going, or what age you are!

Just fill out our easy online quotation form for an instant quote. Choose the cover you want, and then complete your booking online. You’ll soon have your policy documents, and you’ll be good to go. It really is as simple as that!

Cheap And Comprehensive Travel Insurance

You may be surprised at just how comprehensive our insurance policies are, for such a low price. You can save money and still enjoy standard features of all our low cost Travel Insurance policies such as:

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

Discounts for holders of private health insurance

Travel Insurance Protection For All Your Travels

Such a great range of benefits means that with , you can enjoy peace of mind in all your travels. Take out insurance with us, and you’ll know that you’re covered for everything – from annoyances like a bag going missing, up to emergencies like an injury or illness that requires an emergency airlift and/or major medical attention.

Types of Travel Insurance

holiday travel insurance ireland

Annual Multi Trip Travel Insurance

The wise choice if you’re a frequent traveller. Ensure you have Multi Trip Insurance all year round with just one simple purchase. Prices start at just €37.53

holiday travel insurance ireland

Single Trip Travel Insurance

The easiest and cheapest option if you’re only an occasional traveller. Choose Holiday Insurance cover for your destination and the duration of your trip. Prices can work out at as little as €1.82 per day.

holiday travel insurance ireland

  • Winter Sports Travel Insurance

Heading for snow, slopes, and skiing or snowboarding? Our Winter Sports Travel Insurance will ensure you’re covered, in case of injury, piste closure, and much more.

holiday travel insurance ireland

Family Travel Insurance

Protect all those nearest and dearest to you with a Family Travel Insurance policy. Children can go free when parents take out cover!

holiday travel insurance ireland

  • Business Travel Insurance

Includes additional cover for business equipment. This ensures you or your employees can work abroad with complete peace of mind. Also available as an add-on with our Annual Multi Trip policies .

holiday travel insurance ireland

  • Travel Insurance Over 65

For when you’ve got more leisure time to enjoy travel, only to find standard Holiday Insurance policies have a cut-off point of 65 years. We offer the cheapest and most comprehensive insurance in Ireland for Over 65’s.

holiday travel insurance ireland

  • Travel Insurance Over 70

Some Travel Insurance companies make it difficult for Over 70s, but we don’t. We offer great policies at great rates for Over 70’s, just as we do with all other age groups.

holiday travel insurance ireland

  • Travel Insurance Over 75

You’re still young at heart and keen to travel, so why shouldn’t you? Our Holiday Insurance policies for Over 75’s allow you to enjoy your holiday with complete peace of mind should something go wrong.

Whether you’re a solo traveller, a couple jetting off for a romantic break, or a family heading for fun times together, choose us. Our standard low-cost Travel Insurance policies will protect you from all the most common mishaps that may occur. Optional upgrades are available to safeguard against additional risks.

Get your Travel Insurance Quote Now

Get your travel insurance quote online now , and see the great cover you can get for a great low price. Then go enjoy your holiday!

  • Pre-Existing Medical Conditions

If you have a Pre-Existing Medical Condition , you will need to contact us and declare it. To be covered for this condition, you will need to buy an add-on to your policy.

Call our medical screening hotline on 091-560631 and one of our specialists will talk you through the process. For more information, visit our Pre-Existing Medical Conditions FAQ page.

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.

Our Clients Know It Best

From the blog.


  • About Insure My Holiday
  • Why Buy Travel Insurance From Us
  • Other Insurance Services
  • Cookie Policy

Policy Wording Terms of Business Terms & Conditions

Privacy Overview

holiday travel insurance ireland

holiday travel insurance ireland

  • Laya Healthcare
  • Laya Travel

Get a quote

Single Trip

Annual Multi-Trip


Car Hire Excess

* We can't cover trips in, to or through Cuba, Iran, Sudan, Syria, Crimea Region of Ukraine and North Korea or any area that the department of foreign affairs advises against travel.

Looking after you always, home or abroad

Important notice.

Please be advised that the military conflict between Russia and Ukraine may impact travel insurance coverages and benefits, and AIG’s ability to provide certain travel-related assistance services, for travel to, from or within Ukraine, Belarus or Russia.

Why Laya Healthcare Travel Insurance?

At laya healthcare, we strive to look after you always and that includes while you're travelling. Sometimes things don't quite go to plan when we go away and that's why the peace of mind of excellent travel and holiday insurance cover is so important. Whether it's a holiday, a business trip or even a backpacking adventure we have a travel insurance policy to suit your needs.

Policies for your needs

Four types of comprehensive cover with wide variety of options. Customise your cover with extras such as winter sports, etc.

Medical Cover Available

Medical expenses cover available up to €5,000,000, subject to policy conditions & exclusions.

Always here to help

Whenever you need us, our 24/7 emergency helpline & Talking nurses are always here to help.

Claiming made easy

With our simple claims system and assistance team claiming is made easy.

 Renew My Policy

You should receive your renewal notice at least 30 days ahead of your renewal date. Once you receive this you can renew your policy at any time by clicking on the Renew my Policy link below and following the instructions.

Insurance Product Information Documents

Single trip & annual multi trip travel insurance, backpacker travel insurance, business travel insurance.

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Buy GetSetGo travel insurance and go with peace of mind

Get a Quote

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Buy GetSetGo travel insurance and go with peace of mind

Cover more than yourself with

A getsetgo travel insurance policy.

Individual Travel Insurance

An individual/one person aged 18 years or over.

Couple's Travel Insurance

An individual and his/her partner provided they live together, including civil partners.

Family Travel Insurance

An individual and his or her partner provided they live together and up to four of their dependent children (which can include fostered or adopted children) who are under 18 years of age at the date of buying this policy and are either in full time education or living with them.

Single Parent Family Travel Insurance

Single Parent Family

An individual and up to four of his or her dependent children (which can include fostered or adopted children) who are under 18 years of age at the date of buying this policy and are either in full time education or living with them.

Where we provide cover for?

What does getsetgo travel insurance cover.

Depending on the type of cover selected eg. Single Trip, the geographical areas may differ, however, the main options are as follows:

Where we provide cover for

The continent of Europe west of the Rural Mountains including its neighbouring Islands and non-EU countries bordering the Mediterranean (excluding Algeria, Lebanon, Libya, Israel and Jordan).

Worldwide (excluding USA)

Australia and New Zealand

Worldwide (including USA)

Please note: No cover is provided for any trips in, to or through Afghanistan, Cuba, Liberia or Sudan or any countries where the Department of Foreign Affairs have advised against all but essential travel.


Travel Delay

Personal Accident

Abandoning Your Trip

Personal Liability

Personal Belongings & Baggage

Legal Expenses

Cutting Your Trip Short

Securing Your Home

Missed Departure

Personal Money


Missed Connection

Passport & Travel Documents

Full policy terms and conditions can

be found in the Policy Booklet

holiday travel insurance ireland

Full Policy Document

holiday travel insurance ireland

Insurance Product Information Document

Premier Plus

holiday travel insurance ireland

We have 3 levels of travel insurance. Budget, Premier & Premier Plus

Budget Cover

Cancelling your trip

Medical & other expenses outside of Ireland

Hospital benefit

Cutting your trip short

Missed departure

Missed connection

Travel delay

Abandoning your trip

Personal belongings and baggage

Including: Single article limit

Including: Valuables limit

Delayed baggage

Personal money

Including: Cash limit

Passport and travel documents

Personal accident

Personal liability

Legal expenses

Uninhabitable accommodation

Securing your home

Sum insured to












Premier Cover


€15 per day up to €2,000


€15 per 12hrs up to €300



€100 per day up to €1,000

Premier Plus Cover

Final Invoice Cost

€15 per day up to €3,000


€15 per 12hrs up to €500





€25 per day up to €500

Full policy terms

and conditions can

be found in the

Policy Booklet

Looking for something else?

Get a travel quote

Retrieve my quote, find a document, make a claim, 24hr helpline.

Looking for something else

Need more information?

Find your answer among some of the common questions our customers have:

Do you offer optional additional covers?

What sports and activities are covered?

Who underwrites your policy?

What is I have private health insurance?

holiday travel insurance ireland

Medical Expenses

Delayed Baggage

Sum insured

€15 per day up

to €2,000

€15 per 12hrs

up to €300

€100 per day

up to €1,000

Final Invoice

to €3,000

up to €500

€25 per day

Medical & other expenses outside

Cutting your

Personal belongings &

and travel documents



up to €2,000

Republic of Ireland Holidays

Republic of Ireland Holidays

Coasts, castles, and culture; explore the emerald isle on your next holiday., holidays in the republic of ireland.

A small island off the coast of England and Wales, Ireland is a rugged gem perfect for family holidays, and cheap girls' getaways alike. Separated into north and south, the Republic of Ireland sits more southernly and is home to popular destinations like Dublin, Galway and Cork.  Packed with enchanting landscapes, rich history, and vibrant culture, Ireland is a fairytale destination where myths and legends come alive. The perfect choice if you enjoy a holiday that feels like a home away from home, whether you're drawn to Ireland for its bustling cities, charming villages, or stunning natural beauty, Ireland offers something for every traveller. From city breaks to scenic road trips, we offer a range of deals that showcase the best of Ireland. Dive into the heart of the Emerald Isle and create unforgettable memories with our hand-crafted range of package holidays to Ireland.

When is the best time to visit?  Planning a trip to the Republic of Ireland and wondering when to go? While Ireland is a year-round destination, the best time to visit depends on what you want to experience. Summer is the peak tourist season in Ireland, and for good reason. With the best weather and popular events including the Galway International Arts Festival in July and the Dublin Horse Show in August, Summer is always busy in Irish cities.  For the best combination of pleasant weather, fewer crowds, and vibrant landscapes, we recommend visiting in the late spring when the landscape bursts into life with lush greenery and blooming flowers. 

Where is the best place to stay?  The Republic of Ireland offers a wide range of accommodations to suit every traveller's needs, from luxury hotels and charming bed and breakfasts to cosy cottages and modern apartments. The most popular cities and towns scattered around the country include Dublin, Galway, Killarney, Cork and Westport. All have their unique draws. But all showcase the beauty of Ireland.

Travel guide

With joyous cities, stunning landscapes, and cheap short flights from the UK, the Republic of Ireland is perfect for a last-minute 2024 summer holiday or 2025 spring getaway that won’t break the bank.

  • Best time to visit: July-August
  • Average flight time: 1 Hour
  • Most suited for: Couples, Groups
  • Currency: Euro

Explore Cities of Culture and Charm

Explore Cities of Culture and Charm

Experience the lively atmosphere of Dublin, Ireland's vibrant capital. Stroll along the cobbled streets to Temple Bar, visit the historic Trinity College and its famous Book of Kells, or explore the Guinness Storehouse for a taste of Ireland's iconic stout. Head west to immerse yourself in the artistic and bohemian vibe of Galway. Known for its vibrant arts scene, lively festivals, and friendly locals, Galway is a city that never fails to charm. Explore the vibrant streets, visit the Galway City Museum, and enjoy a stroll along the Salthill Promenade. City living is great for feel-good festivities, but if you’re visiting the Emerald Isle it’s only right to step beyond the city limits and discover the magic of Ireland's picturesque villages. Wander through the colourful cottage-clad streets of Kinsale, known for its gourmet food and maritime history, or explore the quaint town of Kenmare with its vibrant arts and crafts scene. Each village has its own unique character and welcoming atmosphere.

Uncover Nature's Irish Masterpieces

Uncover Nature's Irish Masterpieces

Hiring a car or hopping on a couch tour is a great way to discover more of the Emerald Isle. Set off to marvel at the breathtaking Cliffs of Moher, towering over the Atlantic Ocean. These dramatic cliffs offer stunning views and are a must-visit for nature lovers and photographers. Walk along the cliff edge, visit the eco-friendly visitor centre, and learn about the unique flora and fauna of this iconic site. Discover the natural beauty of the Ring of Kerry, a scenic drive that takes you through some of Ireland's most picturesque landscapes. From rugged coastlines to lush green hills and ancient ruins, the Ring of Kerry is a feast for the eyes. Embark on a journey along the Wild Atlantic Way, one of the world's longest-defined coastal routes. Stretching over 2,500 kilometres, this route offers stunning views and countless opportunities for adventure along the way. From surfing in Donegal to whale watching in Cork, the Wild Atlantic Way is an adventurer's paradise.

Embrace Ireland’s History and Spirit

Embrace Ireland’s History and Spirit

Ireland is synonymous with music, so no visit is complete without experiencing a traditional Irish jig. Head to a local pub, where you'll be treated to lively performances featuring fiddles, flutes, and bodhráns. Whether in Dublin, Galway, or a small village, the music will leave you tapping your feet and feeling the Irish spirit. Ireland is steeped in history, with ancient sites and monuments scattered across the country. Visit Newgrange, a prehistoric monument older than Stonehenge, or the Rock of Cashel, a medieval fortress with stunning views. Step back in time with a visit to Blarney Castle, home to the legendary Blarney Stone. Explore the beautiful gardens, delve into the rich history of this fascinating site and don’t forget to kiss the stone to gain the "gift of the gab" before you leave.

food and drink

Food & Drink

Ireland offers up a similar array of dishes to the UK due to its close proximity and intertwined history. So, expect to see the usual traditional pub grub and fast-food favourites dotted along the streets. But if you’re looking to enjoy a slice of Ireland, indulge in its flavours with hearty and delicious cuisine. From traditional dishes like Irish stew and boxty to modern culinary delights, Ireland's food scene is sure to satisfy. Don't forget to try fresh seafood along the coast and enjoy a pint of Guinness or a glass of Irish whiskey. The whiskey’s added “E” stands for excellence- or so they say. But you’ll have to try it for yourself and decide if that Irish myth is true. There will be plenty of opportunities to savour the amber goodness if you choose to. 

Average monthly temperature in The Republic of Ireland (°C)

  • Jan 5 °C
  • Feb 5 °C
  • Mar 7 °C
  • Apr 8 °C
  • May 11 °C
  • Jun 14 °C
  • Jul 16 °C
  • Aug 16 °C
  • Sep 14 °C
  • Oct 11 °C
  • Nov 8 °C
  • Dec 7 °C

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holiday travel insurance ireland

Consumer Corner: Why travel insurance is important — and what to check for before flying

N obody wants anything bad to happen when they go on holiday, but things don’t always go to plan and that’s why holiday insurance is something people consider.

This summer there is the threat of strikes by pilots and thus cancelled flights. Also an issue is extreme weather and that is something people will have to factor in more and more as they travel.

Paul Walsh, of Peopl Insurance, says that anyone travelling overseas this summer should check the conditions and limitations of their travel-insurance policies around industrial action, civil unrest, and extreme weather.

“If a strike hits while you’re on holiday, you could be delayed catching a flight or ferry home and even miss your flight or sailing,” Mr Walsh says. “If a strike arises before you head off on vacation, it could scupper your entire holiday. Some travel-insurance policies will cover you if you have to abandon your holiday, if you miss your flight, or if your holiday is delayed as a result of an unexpected work stoppage or strike at an airport or ferry port. But other travel insurers don’t cover strikes and, with some policies, the cover is more restricted than others. So, it is very important to check the small print of a travel-insurance policy before you buy.”

Holidaymakers should be aware that there may be exclusions in their policy, so they may not be covered for certain loss or damage on foot of civil protests.

“Holidaymakers should also be mindful of the increased frequency of extreme weather events and the chances that such weather could play havoc with their holiday,”Mr Walsh says. “Losses arising directly or indirectly from adverse weather conditions, such as wildfires, may or may not be covered by your travel insurance. It’s very important, therefore, that you check your travel-insurance policy to find out if you will be covered if your holiday is disrupted by wildfires or, indeed, any other extreme weather events, such as, for example, if you have to be evacuated or have to change plans or are even injured. You may, for example, be covered for delays, missed departure, or holiday abandonment, if wildfires are the cause.”

Julie Frazer, of Aviva Insurance Ireland, says that going overseas for the sun and a change of scenery is an important part of the summer season in Ireland.

“If you are planning on travelling in Europe and considering taking your car with you, the EU First Directive on motor insurance states that every insurance policy issued in the EU must offer the minimum insurance cover required by law in any other EU country,” Ms Frazer says.

“Most insurers allow full policy cover for a defined period in the EU. However, the rules can vary from insurer to insurer. It is important to engage with your insurance provider to discuss the details of your trip. They will provide you with expert advice, as well as access to a variety of insurance products from different insurance companies.”


Good medical cover is also important.

Geraldine Kelly, of Gallagher, says that your travel insurance should include comprehensive medical cover, especially in countries with high medical costs. You must declare any pre-existing medical conditions to avoid claim rejections.

Mr Walsh says that anyone embarking on a long-haul trip should be sure that their insurance covers any medical expenses if they become sick or injured abroad.

“If travelling ‘off the beaten track’, be sure to check if there are any geographic limits on the policy you are intending to buy. Only buy travel insurance that covers the destinations you are travelling to,” Mr Walsh says.

“Sometimes, this won’t be possible, as there are a small number of countries which travel insurers won’t cover travel to. Note, too, that most travel insurers won’t cover you if the government has advised against travel to a particular area.”

“The bill for medical expenses in some international countries could run into the tens of thousands, so strong cover is a must.

“The European Health Insurance Card, which allows you to get public healthcare for free or at a reduced cost, isn’t valid outside the EU or EEA.”

Ms Kelly says to check your policy for cover limits on lost or stolen items and consider additional coverage for high-value belongings. It’s a good idea too to take photos of your items. 

She says: “Use hotel safes and avoid displaying valuables publicly. Never leave valuables in a rented car; it’s not worth the risk. Tucking items under the seat can have the intended consequence of attracting unwanted attention. Try to park in well-populated areas with high visibility or CCTV cover.”

Would you like a lunchtime summary of content highlights on the Irish Examiner website? Delivered straight to your inbox at 1pm each day.

Consumer Corner: Why travel insurance is important — and what to check for before flying

Money blog: Nando's launches a ketchup - so we compared all brands. Which is best value - and which has more water than tomatoes?

Welcome to the Money blog, your place for personal finance and consumer news and tips. Leave a comment or your Money Problem/consumer dispute (don't forget to leave a contact number/email) in the box below.

Thursday 11 July 2024 20:08, UK

  • Widespread issues with card payments reported - as people turned away from supermarkets
  • Nando's launches a ketchup - so we compared all brands. Which is best value - and which has more water than tomatoes?
  • Chances of August interest rate cut recede
  • Water bills to rise by average 21% over next five years, regulator rules

Essential reads

  • We asked beauty experts for their top dupes to give you a summer glow - without breaking the bank
  • Michelin chef reveals £2 supermarket pasta that can elevate your dinners - as he picks his Cheap Eats in London
  • Basically... What are the different ways of paying for a car?
  • Women in Business : From blackouts to CEO - how burnout helped create UK's biggest venue booking platform
  • Best deals on school uniform ahead of new academic year

Ask a question or make a comment

A new competitor has emerged on the condiment shelf - Nando's ketchup.

It's being advertised as a twist on the traditional sauce, with a touch of "peri-peri magic" for your chips, burgers or bolognese.

This translates into a small amount of spices like cayenne pepper, bird's eye chilli, ginger, garlic, and paprika, as well onion and lemon purees.

We've taken a look at how it stacks up against the other ketchups on Asda's shelves below, with some key takeaways:

  • Hellmann's has the most tomatoes and the least calories per serving
  • Asda's own brand is by far the most affordable - with a very similar ingredients list to market leader Heinz
  • Nando's is, just, the most expensive per 100g, though it's tricky to compare against all the below as some are only available in bigger bottles
  • The main ingredient in Leon's, uniquely, is not tomatoes but water
  • Leon's has the least sugar per serving

Price per 100g: 94.3p (for normal sized bottle) Main ingredient: Tomato paste (140g tomatoes per 100g) Calories: 17kcal per serving Sugar per 100g: 20g

Price per 100g: 80p (for normal sized bottle) Main ingredient: Tomatoes (148g per 100g) Calories: 15kcal per serving Sugar per 100g: 22.8g

Asda own brand

Price per 100g: 14.9p (only available in jumbo sized bottle) Main ingredient: Tomatoes (148g per 100g) Calories: 15kcal per serving Sugar per 100g: 21g

Price per 100g: 92.2p (normal sized bottle) Main ingredient: Water (with tomato paste second at 25%) Calories: Not available Sugar per 100g: 16.6g

Price per 100g: 29.2p (one up from normal sized bottle) Main ingredient: Tomatoes (117g per 100g) Calories: 17kcal per serving Sugar per 100g: 22g

Price per 100g: 40p (two up from normal sized bottle) Main ingredient: Tomatoes (168g of tomatoes per 100g) Calories: 13kcal per serving Sugar per 100g: 18g

Asda is the first to offer Nando's tomato sauce but it is expected to roll out at Sainsbury's, Tesco and other supermarkets in the coming months.

Virgin and Clyesdale Bank have announced a slight drop in their standard variable rate mortgage rates - in what could be seen as a precursor to a base rate cut in a few weeks' time.

From today, their SVR stands at 9.24% - down from 9.49%.

Barclays and Halifax have also announced they are dropping selected fixed- rate deals from tomorrow - continuing a trend we have seen in recent weeks.

Cowboy builders face a crackdown on trader recommendation websites under new guidelines proposed by the industry watchdog.

The Competition and Markets Authority says the web pages must tackle fake reviews and vet the tradespeople they advertise after "worrying evidence" emerged.

The regulator has published a first draft of its advice following concerns over websites that fail to sanction rogue traders, offer a complaints process, or monitor traders while making misleading claims about their trustworthiness.

Plusnet customers will from today see their mid-contract price changes expressed as "pounds and pence" rather than percentages in a bid by the internet provider to make information clearer for customers.

Price comparison service Uswitch has praised the move which gives "greater clarity" to consumers.

"The new model provides certainty when it comes to the cost of your contract and makes it easier for customers to manage their finances," the Uswitch telecoms expert Ernest Doku said.

The new model, which applies to new and existing customers who take out contracts after today, will see mid-contract charges at a flat rate for all customers - a yearly increase of £3 per month.

People with coeliac disease are paying up to 35% more for their weekly shop, research has found, with some even eating gluten to avoid paying higher costs despite the potential impact on their health.

A new report by Coeliac UK has found that 77% of people with the disease struggle to afford gluten-free products from supermarkets.

Seven in 10 people said shopping gluten free "adversely affects their quality of life" due to the cost and availability of the food on supermarket shelves and online.

Around 4% are choosing to eat gluten despite the risk to their health because of concerns around the cost of gluten-free food, while 27% would eat products with "may contain" for the same reason.

The research by Coeliac UK revealed that loaves of bread are 4.5 times more expensive on average, while pasta and plain flour are twice as pricey when made gluten free.

If you're thinking of stocking up on Sainsbury's snacks and drinks for Sunday's big game, you'd better do it ahead of time.

Like rival Tesco, the supermarket has announced it is closing convenience stores and petrol stations early across England so staff can tune into the Euros final.

More than a thousand branches will be closing at 7.30pm on Sunday, rather than 10pm or 11pm.

"We want to give our colleagues the chance to tune in live and cheer on England with friends and family. The atmosphere in stores is electric after last night's win," said Clodagh Moriarty, chief retail and technology officer.

Supermarket hours are unaffected as they usually close before the 8pm kick-off. 

Any online grocery orders which have already been booked will be honoured.

All branches will reopen at their usual time on Monday.

Earlier this week, business presenter Ian King answered questions from Money blog readers about what the new Labour government means for their personal finances.

One question related to the two-child cap on child benefit - which Labour have at times suggested they're ideologically opposed to, but won't commit to changing because of the cost.

Responding to a question about whether taxes could be raised for oil and gas companies to pay for scrapping the cap, King said: "The Resolution Foundation has estimated that the two-child benefit cap will save the government £2.5bn during the current financial year - which would rise to £3.6bn if applied to all families claiming universal credit.

"Labour is committed to raising the levy on North Sea oil and gas producers from the current 75% to 78% - and has earmarked the money raised will go towards funding its wider plans for energy and, in particular, decarbonisation.

"It would be ill-advised to raise taxes further. The decisions it has made have already had an impact on investment in the North Sea, as I report here.

"And don't forget, the cap is not just about saving money. It's also about avoiding awkward newspaper headlines and stories about big families being paid a small fortune in benefits of the kind that embarrassed the last Labour government and angered so many of its traditional working-class supporters in particular."

You can read all 21 of King's answers here ...

A "nationwide issue" has been affecting card payments.

Many social media users were reporting being unable to pay for their shopping in supermarkets this morning.

More than 600 people were flagging issues with Visa on Down Detector as of 9.45am, while over 100 had problems with Mastercard payments as of 10am.

A sign in one Sainsbury's store was requesting customers pay for their shopping in cash.

The supermarket said on social media it had been aware of a "nationwide issue" with card payments.

Vanessa Meehan, in Twickenham, said: "I've just been turned away at Sainsbury's as they can't accept card payments. Petrol station also coned off. The car is running on fumes and I need to get supplies."

A Sainsbury's spokesperson told Sky News at 11am that contactless payments had resumed after being "briefly unavailable for a few minutes this morning".

They said this was caused by an issue with its third-party payment provider.

"We're accepting all payments as usual and continue to monitor the situation. We're sorry for any inconvenience this may have caused," the supermarket said.

Asda also confirmed its payment systems were back up and running following temporary issues with Visa.

A Visa spokesperson confirmed to Sky News it had been aware cardholders were experiencing issues when making payments.

"While Visa's systems are operating normally, we are working with our partners to investigate," they added.

Mastercard said it was "aware of some payment transaction issues at select merchants in the UK" and was working to gather more information.

"There is no current indication that these issues are related to our network," a spokesperson said.

The UK's biggest supermarket chain has told customers its Express stores across England will close at 7.30pm instead of the usual 10pm or 11pm on Sunday - after England reached the Euro 2024 final.

It said the decision had been taken to allow its staff to get home or to the pub in time for kick-off at 8pm. 

Employees who do not want to watch the match will be paid as normal, it said. 

Stores will be open as normal the following morning. 

England are playing Spain in the final - and will have the chance to become the first England men's team to win a major tournament since the World Cup in 1966. 

By James Sillars , business reporter 

Faltering expectations for imminent interest rate cuts are playing out in financial markets today.

The pound is at a four-month high versus the dollar at $1.28.

That has been largely put down to remarks by Bank of England rate-setter Huw Pill, the Bank's chief economist, that the timing of the UK's first rate cut was an "open question".

He spoke up just 24 hours after another member of the monetary policy committee ruled out personal support for a reduction on 1 August.

Jonathan Haskel said too many stubborn inflationary pressures remained.

As such, financial markets now see only a 50/50 chance of a rate reduction to 5% from 5.25% at the next Bank meeting.

The chance of a cut had stood at 60% at the start of the week.

The pound has lifted as higher interest rates are generally supportive of a domestic currency.

Elsewhere, the FTSE 100 has opened to a flat calm - up just a couple of points at 8,000.

A big focus for investors this morning was the interim decision by water regulator Ofwat on what suppliers could charge their customers over the next five years.

To give you some idea of the reaction, shares in United Utilities and Severn Trent opened up by around 2%. Those of Pennon, the company behind South West Water, were up by more than 6%.

Water companies in England and Wales have been told they will not be allowed to impose the hikes to bills they have demanded, the industry regulator has said in an interim verdict on their business plans for the next five years.

Ofwat declared that it was minded to slash, by a third, the combined increases that the 16 companies had submitted.

It left the average bill, the watchdog said, set to rise by £19 a year or 21% over the period.

Read our report here ...

Meanwhile, more compensation, possible refunds and new customer panels have been announced as part of the government's "initial steps" towards ending what it describes as the crisis in the water sector.

You can read this story here ...

The appearance of finer weather helped the economy recover some lost ground in May, according to official figures that were better than expected.

The Office for National Statistics (ONS) recorded gross domestic product growth of 0.4% in the month, compared with its earlier determination of  zero growth during April .

A poll of economists by Reuters had pointed to a 0.2% increase for monthly gross domestic product in May.

On a quarterly basis, the UK's interest rate-driven recession of the second half of 2023 ended at the start of this year as the  Bank of England  ended its rate hiking cycle which was designed to cool inflation by choking demand in the economy.

Read our full story here ...

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holiday travel insurance ireland


  1. Travel insurance for an Ireland vacation? Traveling in Ireland podcast vacation planning series

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  26. Money blog: Tesco to close early on Sunday; policy tweak could save you

    The UK's biggest supermarket chain has told customers its Express stores across England will close at 7.30pm instead of the usual 10pm or 11pm on Sunday - after England reached the Euro 2024 final.