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Home » Europe » Ireland » Travel Insurance

Guide To Ireland Travel Insurance – ALL You Need To Know

Can’t hold out anymore on experiencing that Irish charm you’ve heard about? Then you’re in for a treat! Ireland is a joy to explore on your next hard-earned holiday. It’s a small but perfectly formed country, with spirited cities and breathtaking landscapes. Furthermore, Ireland is dotted with historical castles, quaint rustic villages and endless pints of Guiness. It’s chill, it’s safe, it’s totally fun and everybody agrees!

The Irish are known for their luck, and they certainly got lucky with their land. Ireland is blessed with glorious coastlines, rolling hills, and rugged mountains. Irish people won’t disappoint you with their wit and warmth, either. They definitely set the worldwide standard for humor!

But whilst the Irish may be lucky, do you feel lucky? Because if you prefer not to leave things down to chance this post is just for you. Let’s take a look at Ireland travel insurance!

Month to month payments, no lock-in contracts, and no itineraries required: that’s the exact kind of insurance digital nomads and long-term traveller types need. Cover yo’ pretty little self while you live the DREAM!

Do I Need Travel Insurance For Ireland?

What should travel insurance in ireland cover, what is the best ireland travel insurance, how to choose the right ireland travel insurance for you.

The Broke Backpacker is supported by you . Clicking through our links may earn us a small affiliate commission, and that's what allows us to keep producing free content 🙂 Learn more .

So what’s the craic on travel insurance in Ireland? Do you need it and if so why? First of all, do note that this guide is specifically about the Republic of Ireland (Eire). For Northern Ireland, you may want to consult our Guide to UK Travel Insurance . Now, back to Ireland, where travel insurance is not a mandatory entry requirement. And in a country which doesn’t exactly shout out ‘danger,’ you might wonder if it’s necessary and worth the expense.

Crime rates are very low. In fact, most of the danger stems from one too many Guinnesses turning to a street brawl (it happens). However, as is the case with every place you visit, opportunistic crime does happen – even in the Emerald Isle. Airlines and tour operators can go bust in the blink of an eye. This happened to Flybe , Europe’s largest regional airline, very recently. It’s worth considering insurance, as travel disruption can result in a lot of lost money.

Ultimately, we encourage all travelers to consider insurance, regardless of the destination. Even if it’s the cheapest Ireland travel insurance you can find! It won’t seem like a waste of money if you need it.

Need more convincing? Check out these other reasons why you should have travel insurance !

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Healthcare in Ireland

Irish healthcare is adequate, overall, but statistics show it lags behind its European comrades. Waiting lists are lengthy, and beds are limited. However, should you need emergency treatment while in Ireland, you can rely on it. Ireland’s healthcare comprises highly-trained Irish doctors as well as international ex-pats.

The healthcare system is a mixture of public and private. Available for all Irish citizens, the former is funded by taxes. Those who have medical cards have access to free healthcare. Anyone else will be required to pay subsidized fees in the public sector. Meanwhile, 45% of the Irish population choose to take out private healthcare insurance. This way, they receive the highest level of care and do not have to deal with the timely waiting lists. In fact, Ireland has one of Europe’s highest populations who opt to go private.

Now, let’s get over to costs. For a routine or non-emergency appointment, the cost of seeing a GP in Ireland as a tourist ranges between  €40-60 ($37 – $55 USD). This covers the cost of the consultation. Blood tests, x-rays, and further investigation will cost more. Plus, the cost of any prescription medicine. Meanwhile, a trip to an emergency ward will cost you around €100 ($117 USD).  You will pay approximately €80 per night to stay in a hospital. Typically, Irish hospitals will treat you and then ask you to pay afterward, or refer them to your Ireland travel insurance provider.

Good news if you’re from the UK or another European country! You can apply for the free EHIC (European Health Insurance Card) before travel. This is provided free of charge and grants you access to subsidized, or sometimes free, emergency healthcare. But, EHIC recommends always traveling with travel insurance too, which covers medical and possessions.

Crime in Ireland

Crime in Ireland is low enough that the destination is popular with travelers and holidaymakers of all types. It’s a fabulous option to begin your solo backpacking lifestyle. The country has the 11th lowest homicide rate in Europe and the 23rd lowest in the world. In fact, in 2019, there was a decrease in homicides. However, attempted murder and sexual offences did increase (9% and 7% respectively). Irish cities are where most of the crimes occur, with Dublin, Limerick, and Cork city being among those with the highest reported incidents .

Property crime is your biggest contender while traveling in Ireland.  Keep your valuables secure on your person when sightseeing. Lock away all that you can in your hostel locker or safely in your guesthouse. Don’t leave valuables in your rental car either. The cheapest Ireland travel insurance will likely impose a surcharge for valuables, so check your small print in case you do end up needing to claim.

And finally, the drug trade is alive and well in Ireland. Dealing and trafficking are both crimes, which mainly occupy Dublin. An increase of 17.3% was observed in 2019. Stick to Guinness and castles, and you won’t find yourself in a pickle.

Issues Facing Travellers in Ireland

The first issue you’ll face in Ireland is deciphering an Irish accent over the jostling crowds of a Dublin Temple Bar brew, although your insurance won’t do much good there!

• Travel disruption – In terms of what your Ireland travel insurance can help you with, first up – the event that your airline goes bankrupt. It’s worth investing in some cover should this happen. If your flight is canceled, the best insurance for Ireland will see that your additional accommodation costs are covered while waiting for your new connection. They should reimburse you for the canceled flight, as well. Tour operators should be factored in here, too. They, too, can cancel schedules at the drop of a hat due to liquidation or unforeseen circumstances.
• Fluke natural disasters – Regarding natural disasters, Ireland’s soil is pretty much untouched. However, although you won’t find a volcano on the Emerald Isle, you might cross paths with the side effects. The eruption of Eyjafjallajökull in Iceland in 2010 grounded flights across Europe due to ash. Check out the terms of your Ireland travel insurance so you know what the deal is should a fluke incident like that occur. Besides that, flooding and landslides can occasionally form a roadblock in your itinerary and lead to missing a connection.
• Petty theft – And, as we’ve said, issues like pickpocketing and other property theft are worth taking under consideration. It is recommended that travel insurance for visitors to Ireland cover your valuables, passport, and euros.

Popular Activities in Ireland

Most of the things you’ll want to do in Ireland are safe, focused on culture and gentle sightseeing. We’d hope that shouldn’t result in a claim on your Ireland travel insurance. But if you’re after an adrenaline rush, check out some of the following ideas!

• Cycling – You could pootle around a city or gear up a mountain bike for an adrenaline rush through the gorgeous scenery! Ensure you are covered in the event your two-wheeler is stolen or vandalized. Helmets are not a legal requirement for cyclists in Ireland, but they are recommended. Some Ireland travel insurers may stipulate that you should wear one. Scout your coverage T&Cs before squeezing into your lycra.
• Surfing – Surfing is one of Ireland’s best-kept secrets ! Mullaghmore has one of the largest swells in the Atlantic Ocean for the most daring. Alternatively, there are plenty of beginner spots for novices to catch your first wave. But surfing is definitely one of the activities to check your insurance for Ireland holidays covers because coral and rocks can hurt.
• Renting a car – Before embarking on your self-drive road trip around Ireland, check your travel insurance provides comprehensive cover. You need to protect the hire car itself, any other cars involved, and your personal injuries. Not all travel insurance will cover car rental expenses by default, so read closely.

Things go wrong on the road ALL THE TIME. Be prepared for what life throws at you.

Buy an AMK Travel Medical Kit before you head out on your next adventure – don’t be daft!

In our experience, most Ireland travel insurance policies will probably include the following;

Emergency Accident & Sickness Medical Expenses

• Luggage and Personal Property

Emergency Evacuation and Repatriation

Non-medical emergency evacuation, trip cancellation, trip interruption.

We feel that these are the most common key terms to look out for when you are comparing different insurance policies. We will not examine each one of these to see what they actually mean.

Emergency Medical costs are perhaps the single most important aspects of any travel insurance policy. If you have an accident or become seriously ill with a tropical illness, you may want to rest easy knowing that the medical costs and Doctors bills will be taken care of.

Many of you may have never seen a medical bill. However, we have seen too many for our liking and believe us, they can get very expensive very quickly. A friend of mine was once charged $10,000 for a leg infection in Costa Rica. Even 2 days in a Thai hospital cost him nearly $2,000.00! Thankfully he was insured on both occasions.

Pre-existing medical and health conditions may not be covered under this or they may be covered for an additional premium.

Ideally, Emergency Accident & Sickness Medical insurance should offer at least $100,000.00 of coverage but some run into the millions. If you are visiting the US, then do have a serious think about this.

Baggage and Personal Property

Luggage and Personal property coverage covers the value of your bags and what’s in them. It is most commonly used for lost luggage and Many policies also extend this to cover “on the ground” theft which comes in very useful if you are robbed once you reach your destination.

The limits on this do vary between policies. However, the maximum value rarely exceeds $1000 with a maximum item value between – $250 – $500.

This is probably enough for many travellers. However if you travel with a lot of electrical gear (laptop & camera), or are packing golf clubs or something, you may also wish to think about taking out a separate gadget cover.

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Emergency evacuation covers the cost of sending you back to your home country in a hospital. Let’s say that the above mentioned tropical illness is a very nasty one, and the decision is taken to send you home for further treatment; this will take care of the high costs of flying you home on a drip.

Repatriation is the cost of sending your remains home in the rare event that you die on your trip. Repatriation costs are not a burden I would want to leave to my family. Whilst this is thankfully rare, I do come across Facebook or “Go Fund Me” campaigns for somebody’s body to be flown home.

Non-medical Emergency Evacuation is when you have to be evacuated because of some sudden crisis.  Examples are outbreak of war/civil unrest and natural disasters that decimate infrastructure such as the South Asian Tsunami of 2006.

In more recent times, the Corona COVID-19 outbreak created the biggest international emergency evacuation situation ever. (FYI – it straddled both the medical and non-medical evacuation boundaries).

Emergency evacuation insurance covers the costs of having to book an emergency flight home ( which can be seriously expensive) and will also cover accommodation costs if you end up being flown to a random, “safe” country rather than going straight home.

Having to cancel an adventure that you were truly excited for is painful. However, being left out of pocket just makes it worse. Trip Cancellation cover can help you to recover the ‘non-refundable costs’ of your trip such as flight and hotel costs. Visa’s are also in this category.

To clarify, you can’t claim this simply because you changed your mind about the trip or fell out with your travel buddy. Proper cancellation reasons are things like sickness, family emergencies, bereavement, natural disaster and war – you get the gist.

Trip Interruption is when something goes wrong, even interrupts, and you have additional costs to pay because of it. One example, when your pre-paid hotel falls down and you are forced to book another one. Another example is when your flight home is cancelled and you need a few extra nights at your hotel.

Anything Else?

The above are what we consider to be the basic, bare-bones of travel insurance policies. However, some policies do offer a few more aspects to them. The very best Ireland travel insurance policies may also include the following;

Adventure Sports and Activities

Please note that Adventure sports and activities are not covered by all travel insurance policies. The definition of adventure sports and activities really does vary between providers but for example, can include;

• Trekking (altitude is usually a factor here)
• Swimming with Whales
• Improvised football games….

If you are going to be doing anything remotely physical or outdoorsy on your trip, then it may be sensible to check that your insurance provider is covering it. Broken jaws hurt enough without having high medical bills attached to them.

Accidental Death and Dismemberment

Accidental Death & Dismemberment cover doesn’t cover any travel related expenses as such but instead it basically provides you (or your next of kin) with monetary compensation in the event that something happens to you.

If you die, your loved ones get a payout. Or, if you lose a digit, YOU get a payout. I mean, how much is a finger really worth to you anyway?

It’s kind of like having a bit of life cover attached to your travel insurance.

“Well dear, I’m afraid there is good new and bad news. The bad news is that your parents both died on their trip to Ireland. The good news is that you get $10k!”

Gear and Electronics Cover

Some insurance policies do cover electronic gadgets but others do not. Those that do, sometimes charge an additional fee and they also usually limit the maximum item value.

If you only travel with a phone or a tablet then your travel insurer may well cover it entirely. However, if like me you travel with a MacBook, then you may wish to consider obtaining gadget cover.

Personally, I have had separate gadget cover on my MacBook Pro for years.

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Whilst they may all seem the same, not all insurers are. Some insurers offer lower prices than others and others offer higher coverage amounts. Some are infamous for not paying claims whilst others are celebrated for being fair and helpful.

Travel insurers – always the same yet always different. It isn’t possible (or legal) for us to say that anyone of them is the best, or is “better” than the others. No. Insurance is a very complex product and any policy takes into account a whole lot of data and a wide set of variables.

Remember that the “best” travel insurance always depends on where you are going, when you are going there and ultimately upon you and your needs. The best travel insurer for one trip, may not be the best for a different trip.

Below, we will introduce a few of the many travel insurance providers on offer. These are all firms we have used ourselves over the years.

SafetyWing are a relatively new player in the travel insurance space but are already making big waves. They specialise in cover for digital nomads and they offer open ended cover on a monthly subscription basis. Because they primarily cover digital nomads, they don’t offer much in the way of trip cancellation or delay so do take that into consideration.

However, SafetyWing really excels on the health side of travel insurance, covering dental and some complimentary treatments. In fact they even allow young children to be covered for free.

If cancellation and delay is not a concern for you or if you will be spending some considerable time on your trip, then maybe SafetyWing are right for you

• Emergency Accident & Sickness Medical Expenses – $250,000
• Baggage and Personal Property – $3000
• Emergency Evacuation and Repatriation – $100,000
• Non-Medical Emergency Evacuation – $10,000
• Trip Cancellation -$0
• Trip Interruption – $5000

If you need more information or want to get a quote, then you can visit the website for yourself.

World Nomads

World Nomads have been insuring backpackers for years now. World Nomads specialise in backpacker travel insurance and their policies cover long way travel on one way tickets, trips to multiple countries and a whole lot of adventure activities. These guys are well used to dealing with backpackers like us, and they are regularly recommended by travel bloggers and industry insiders. We love them.

They offer 2 different policies depending on your needs. The Standard Plan is standard & the Explorer Plan covers a whole host of high risk, high fun activities. World Nomads are also one of the few travel insurers who will write you a policy after starting your trip. The one downside for us is that they don’t cover Pakistan.

Let’s look at the maximum coverage amounts a World Nomads travel insurance plan can offer with both the Standard & Explorer plan.

• Emergency Accident & Sickness Medical Expenses -$100,000/$100,000
• Baggage and Personal Property – $1000/$3000
• Emergency Evacuation and Repatriation – $300,000/$500,000
• Non-Medical Emergency Evacuation – $25,000/$25,000
• Trip Cancellation -$2500/$10,000
• Trip Interruption – $2500/$10,000

If you want more info or to get a quote then visit the World Nomads site for yourself and take a look.

The savvy fin-tech insurer Faye provides whole-trip travel coverage and care that brings out the best in each journey with industry-leading technology that enables smarter and smoother assistance with faster claims resolutions. Their excellent app-based travel insurance covers your health, your trip and your gear all via an app that provides real-time proactive solutions, quick reimbursements and 24/7 customer support.

If you ever do need to make a claim, then you simply log in to the app and the claim will be assessed super quickly from anywhere in the world! My friend made a claim and was able to manage everything directly on the app. She was even able to purchase ‘Cancel for Any Reason’ Insurance that allows you to quite literally cancel for any reason, and be refunded up to 75% of non-refundable bookings.

Best of all, if the claim is successful then the funds will be immediately credited to the smart wallet on your phone or device and ready for you to spend.

Columbus Direct

Named after one of history’s greatest (and most divisive explorers), Columbus Direct also specialise in insuring adventure-hungry explorers like us. They have been providing award-winning insurance for 30 years. What we like about this plan is that it does cover small amounts of personal cash. However, Gadget Cover is not available.

Columbus Direct actually offers a number of different travel insurance plans. Below we have focused on 1 of these and have set out the coverage amounts for the Globetrotter plan.

• Emergency Accident & Sickness Medical Expenses – $1,000,000
• Baggage and Personal Property – $750
• Emergency Evacuation and Repatriation – $1,000,000
• Non-Medical Emergency Evacuation – $0
• Trip Cancellation -$1,000
• Trip Interruption (“Catastophe”) – $750

Iati Seguros

Iati Seguros is a Spanish based travel insurance company who we have personally used and loved. You will notice that they provide competitive cover amounts for the key travel insurance areas, and are competitively priced. So far we have heard nothing but good things about them.

They also offer multiple ones, but we have focused on the Standard Plan although we wholly encourage checking out all plans for yourself to identify the best one for your needs.

Standard Plan

• Emergency Accident & Sickness Medical Expenses – $200,000
• Baggage and Personal Property – $1000
• Emergency Evacuation and Repatriation – 100% of cost
• Trip Cancellation -$1,500
• Trip Interruption – 100% of cost

Insure My Equipment

Insuremyequipment.com does precisely what the name suggests. They are an online insurer for expensive equipment (like camera gear & gold clubs). You can use them to get specific pieces of gear insured but please bear in mind this policy is only for your specified gear.

An Insure My Equipment policy works well in combination with other travel insurance. Insure My Equipment policies are an excellent choice for professionals and backpackers with more $0000’s worth of camera equipment, expensive laptops or fishing rods.

I also know a few travelling musicians and DJs who use these guys so you are in cool company.

Choosing the right travel insurance for your Ireland holiday is like choosing a wife, it is something only you can decide (unless your Indian in which case your parents will do it) . You need to work out how much your trip is worth, how much equipment you plan to take and what activities you intend to engage in.

And of course, you need to ask yourself how much can you afford – how much you can afford to pay for cover, and how much you can afford to be out of pocket in the unlikely event of a claim. Sometimes, the cheapest Ireland travel insurance will be enough and sometimes it will be worth spending a bit more. Hopefully the information provided in this post will help you to decide – if not, then I just wasted 5 hours of my life in writing it!

Safety in Ireland Backpacking Ireland

Is Ireland Expensive? Where To Stay in Ireland

Final Thoughts on Ireland Travel Insurance

Well done, you made it all the way to the end! Now you’ve brushed up on your Ireland travel insurance need-to-knows, over to more interesting topics. It’s time to plan what you’re going to do in this remarkable country. We can help you out there, too.

Have a leaf through the rest of our Ireland travel content. We’ll tell you the best places to stay, the top attractions you shouldn’t miss, and restaurants you have to check out – everything you need in order to make the most of your time on the Emerald Isle! Safe travels in Ireland.

Aiden Freeborn

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[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.

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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.

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. 

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.

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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.

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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).

Get a travel insurance quote from The AA

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.

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.

Top Travel Insurances for Ireland You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Ireland stands out for being steeped in history, home to stunning landscapes, and the host to a unique cultural heritage with traditional music and dance. What's more, it's also renowned among tourists for its legendary pubs and whiskeys! Although travelling to Ireland can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Ireland and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Ireland Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Ireland:

Best Travel Insurances for Ireland

• 01. Should I get travel insurance for Ireland? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Ireland scroll down

Heading to Ireland soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Ireland?

No, there's currently no legal requirement to take out travel insurance for travel to or through Ireland.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Ireland or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Ireland:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Ireland. It lets you choose between various plans tailored to meet the specific needs of your trip to Ireland, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Ireland:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Ireland? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Ireland

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Ireland. However, we strongly encourage you to do so anyway, because the cost of healthcare in Ireland can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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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.

Cancellation

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.

Transparency

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.

Destinations

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

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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 https://www.dfa.ie/travel/travel-advice/

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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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 UCompare.ie has brought all of the main competitors together to make your life easier.

UCompare.ie 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.

Travel Insurance

Ireland's award winning travel Insurance provider. We provide Annual, Single Trip and Backpacker travel insurance to suit different trips abroad, budgets and needs. Annual travel insurance provides European and/or Worldwide cover. Backpacker travel insurance covers trips to the USA, Canada, Australia, Europe and more. No matter what holiday or trip you have planned abroad, we will help you stay protected. Get a quick travel insurance quote below now.

• Discount applies if You and all Insured Persons on your travel insurance policy have Private Health Insurance, with a minimum of €55,000 inpatient medical cover abroad.

Important Conditions Relating To Health

Tel: 0818 286 525.

Please note certain medical conditions will incur an additional premium.

Medical Screening Line Opening Hours

• Monday: Friday 9am to 7pm
• Saturday: 9.30am to 4pm
• Sunday: 11am to 3pm
• Quoting Reference: Blue Irish Broker 2015-2016.

Private Health Insurance Members

If you hold a valid private health insurance with a minimum of €55,000 of inpatient medical cover abroad and have declared your private health insurance details to us, then you do not need to contact the medical screening line as detailed below.

Important note: If your private health insurance does not provide cover for the full duration of your trip abroad as stated on your validation certificate you will still be required to contact the Medical Screening Line to declare your medical conditions.

Non Private Health Insurance Members

At the time of taking out this policy, do you have or have you had any medical condition(s) for which you are taking or have taken prescribed medication or are waiting to receive, or have received treatment (including surgery, tests, or investigations) within the last 2 years?

If so, it is a condition of this policy that you will not be covered under Section A – Cancellation or Curtailment Charges, Section B – Emergency Medical and Other Expenses, Section C – Hospital Benefit, Section D – Personal Accident and Section X3 – Green Fees for any claims arising directly or indirectly from this medical condition(s) unless you contact the Medical Screening Line on and they have agreed in writing to cover your medical condition(s).

If you have only one medical condition and it is one of those shown in the table of ‘Medical Conditions which do not require screening’ below, then this will be covered under the policy without the need to contact us.

Exclusions that apply to all Insured Persons

These exclusions apply to all insured persons irrespective of whether they are a Private Health Insurance or Non Private Health Insurance holder.

The following exclusions apply to all insured persons at the time of taking out this policy or at the time of booking the trip.

You will not be covered under Section A – Cancellation or Curtailment Charges, Section B – Emergency Medical and Other Expenses, Section C – Hospital Benefit, Section D – Personal Accident and Section X3 – Green Fees for any claims arising directly or indirectly from:

• Any medical condition for which you are aware of but have not had a diagnosis.
• Any medical condition for which you have received a terminal prognosis.
• Any medical condition for which you are receiving or are on a waiting list for or have the knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home.

The following exclusions apply to all insured persons at all times:

• Any medical condition you have in respect of which a Medical Practitioner has advised you not to travel or would have done so had you sought his/her advice but despite this you still travel.
• Any surgery, treatment or investigations for which you intend to travel outside of Ireland to receive (including any expenses incurred due to the discovery of other medical conditions during and/or complications arising from these procedures).
• Any medical condition for which you are not taking the recommended treatment or prescribed medication as directed by a Medical Practitioner.
• Your travel against any health requirements stipulated by the carrier, their handling agents or any other public transport provider.

You should also refer to the general exclusions in the policy wording.

Exclusions that apply if a Close Relative or Travelling Companion has Medical Conditions

If any of the below exclusions apply to your close relative(s) or travel companion(s) at the time of taking out this policy or at the time of booking the trip, you will not be covered under Section A – Cancellation or Curtailment Charges, Section B – Emergency Medical and Other Expenses, Section C – Hospital Benefit, Section D – Personal Accident and Section X3 – Green Fees for any claims arising directly or indirectly from:

• Any medical condition for which a close relative or travelling companion have received a terminal prognosis.
• Any medical condition for which a close relative or travelling companion are receiving or on a waiting list for or have the knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home.
• Any medical condition for which a close relative or a travelling companion are aware of but for which they have not had a diagnosis.

Medical Conditions which do not require screening

Important Note: If you have more than one of the below medical conditions you must contact the Medical Screening Line or if you have any other medical condition in addition to any of the below, you must declare all conditions to medical screening..

• Achilles Tendon Injury
• Acid Reflux
• Anal Fissure/Fistula
• Allergy (requiring non prescriptive treatment only)
• Bells Palsy (in isolation only)
• Benign Prostatic Enlargement
• Broken/Fractured Bones(not head or spine)
• Carpal Tunnel Syndrome
• Colds or Influenza
• Colitis (no hospital admissions in last 12 months
• Corneal Graft
• Cuts & Abrasions (non self-inflicted)
• Cyst Breast (Benign)
• Cyst Testicular (Benign)
• Diarrhoea and/or vomiting (resolved)
• Dislocated Hip
• Epididymitis
• Essential Tremor
• Fungal Nail Infection
• Gall Bladder Removal (if more than 3 months ago)
• Gastric Reflux
• Glandular Fever
• Hemorrhoids (Piles)
• Hernia (not Hiatus)
• Hip Replacement
• HRT (Hormone Replacement Therapy)
• Hyperthyroidism
• (Overactive Thyroid)
• Hypothyroidism (Underactive Thyroid)
• Hypercholesterolaemia (high cholesterol)
• Hysterectomy (provided carried out more than 6 months ago)
• Irritable Bowel Syndrome
• Macular Degeneration
• Menorrhagia
• Migraine (confirmed diagnosis, no on-going investigations)
• Myalgia (Muscular Rheumatism)
• Myalgic Encephalomyelitis (ME) (if the only symptom is fatigue)
• Nasal Polyp(s)
• Neuralgia, Neuritis
• Nut Allergy
• Osteochondritis
• Osteoporosis, Osteopaenia (fragile bones) NO vertebral (backbone) fractures
• Pelvic Inflammatory Disease
• Reflex Oesophagitis
• Rhinitis (Allergic)
• Shingles (Herpes Zoster)
• Shoulder Injury
• Sleep Apnoea
• Tendon Injury
• Underactive Thyroid
• Varicose Veins legs only (if GP has confirmed that client is fit to travel)
• am resident in Ireland    (i)
• have not already departed on/commenced my trip
• have read and agree with the important conditions relating to health
• understand that this policy does not cover cancellation due to government lockdown or travel restrictions imposed by the Department of Foreign Affairs. There is no cover for any cancellation claim event relating to a Covid diagnosis occurring within 14 days of the date you purchased this insurance or the time of booking any Trip whichever is the later or if you and/or all insured persons are advised to self-isolate without a positive Covid diagnosis. Please refer to the Policy Wording for full information.

Private Health Insurance Discount

Cover-More Blue Insurance Services Limited offers significant discounts on our Annual Multi Trip and Single Trip policies for Insured Persons with VHI, Laya or Aviva Private Health Insurance policies. Your Private Health Insurance policy must include a minimum of €55,000 of inpatient medical cover abroad. If your Private Health Insurance policy includes this select ‘Yes’ in the ‘Private Health Insurance’ box on our website home page. Our Travel Insurance policy will provide the same benefits as on our standard policy, but it recognises that you already have cover on your Private Health Insurance policy for inpatient medical expenses abroad up to a specific limit (Min €55,000). Our Travel Insurance policy will top up the amount to the overseas medical expenses limit on your Private Health Insurance policy allowing you to save money on travel insurance premiums without sacrificing cover.

It is your responsibility to ensure that your Private Health Insurance policy covers you and all other travellers named on your Travel Insurance policy for a minimum of €55,000 of inpatient medical cover abroad.

Please note that not all Private Health Insurance Plans provide a minimum of €55,000 of inpatient medical cover abroad. Please check with your Private Health Insurance provider to ensure you have adequate cover to be eligible for this discount. If you cancel or fail to renew your Private Health Insurance policy, it is your responsibility to contact us as soon as is reasonably possible to update your Travel Insurance policy details and ensure you have sufficient cover. Any Private Health Insurance discount you received will be removed from the Travel Insurance policy and you may also be required to contact the Medical Screening Line to declare any medical conditions you or anyone named on your Travel Insurance policy has/has had.

Further information on Medical Screening can be found by clicking here.

Data Privacy Policy

This notice will inform you about our policies and procedures concerning the personal information about you that we collect, maintain and disclose, in connection with the insurance policies you obtain from us.

Information we may provide to others

We may disclose information about our applicants, customers and former customers, as permitted or required by law in conjunction with our normal insurance operations, such as:

• in the processing of an insurance claim.
• in connection with a legal proceeding.
• with government agencies conducting examinations of our procedures.
• internal database marketing.

Data Protection

We collect and maintain personal information about you in order to carry out our functions as a provider of insurance products. All personal information submitted is treated with the utmost confidentiality and with appropriate levels of security.

This information is used to manage the issuance of an insurance policy, including underwriting and claims handling, and may be stored as computer records and/or paper files to assist us to complete transactions, or follow up discrepancies, complaints or queries. Details may also be submitted to regulatory authorities and auditors. Unless otherwise instructed, we may use personal data for commercial purposes.

Personal Information Restrictions

Access to the information you submit is limited to those employees who have legitimate business needs for such information with respect to the insurance policies issued. We maintain physical, procedural and electronic safeguards to protect the privacy and confidentiality of your non-public personal information.

Internet Usage

Our websites do not contain any hidden codes or applications designed to obtain any kind of information about you from your computer, apart from what is required to establish a connection and transfer content between our website and your computer.

Our host servers do obtain information about the number of connections to it. This data may contain details such as your IP address, the kind of operating system you are using and the version of your internet browser. This information is used only for the purposes of analysing the traffic to the website. It does not contain any kind of data about you which may be classified as personal or private.

Our website uses ‘cookies’ to track visitor navigation. Cookies are small text files stored on your computer, which identify it to our website. Cookies do not contain viruses, and the cookies stored on your computer by the website do not contain any kind of personal, private or sensitive information. They are used simply to track navigation and remember data and preferences submitted by you. Cookies can be disabled on your browser, though this may hamper your ability to effectively obtain a quote and purchase a policy from our website.

Sensitive Data

Any sensitive data supplied by you in order to purchase an insurance policy, such as dates of birth or health details, will only be used for the purpose specified at the time of submitting this data.

We reserve the right to provide this information, when we are legally obliged, to official bodies such as the Police, the Courts, or other organisations investigating insurance fraud.

Call Monitoring

We may monitor and record telephone calls in order to improve our service to you and to prevent and detect fraud.

Marketing Preferences

We will use the details you have given us to provide you with information about the products and services of the Cover-More Blue Insurance Services Limited and our affiliates/partners which may interest you. Your data will not be shared with our affiliates/partners. We will not do so if you have already told us you do not want this information, see the ‘opt-out’ phone number email address below. We may also use your information for these purposes in the event that you do not take up a policy with us at this time and also after your policy has ended, unless you ask us not to.

We may contact you with a reminder that your insurance is due to be renewed. This contact may be made by a number of communication methods in addition to traditional correspondence, see below:

How we might contact you for marketing purposes?

From time to time we may contact you using the information you have provided in relation to our products and services in any of the following ways:

• Through digital and/ or other remote applications
• By text message

Why might we contact you?

We might contact you:

• about an enquiry you have made;
• with products or services offers from the Cover-More Blue Insurance Services Limited;
• in relation to your policy or quote;
• to ask for your feedback/views on the products and services we provide;
• to tell you about any important changes to our website; or
• where there is another genuine reason for doing so

How to Opt out

You can change your mind about receiving marketing information from us at any time. Each time we contact you electronically with marketing information or a marketing message, you can choose not to receive further marketing information from us to that email address or phone number. This is known as an ’opt-out’. If you want to ’opt-out’, please phone us on 0818 484 484 or email us at [email protected] . Please make sure you tell us about any changes to your marketing preferences for each affected address, email address or phone number you have registered with us.

Marketing Preference

We may contact you with a reminder that your insurance is due to be renewed. This contact may be made by a number of communication methods in addition to traditional correspondence, see below. We will also use the details you have given us to provide information about our products and services and those of other companies in the Cover-More Blue Insurance Services Limited and other companies whose products and services may interest you. However, we will not do so if you have already told us you do not want this information. We may also use your information for these purposes after your policy has ended, unless you ask us not to.

How we might contact you?

• about an enquiry you have made
• with relevant products or services offers
• in relation to your policy or quote
• to ask for your feedback/views on the products and services we provide

You can change your mind about receiving marketing information from us at any time. Each time we contact you electronically with marketing information or a marketing message, you can choose not to receive further marketing information from us to that email address or phone number. This is known as an ‘opt-out’. If you want to ‘opt-out’, please phone us on 0818 484 484 or email [email protected] . Please make sure you tell us about any changes to your marketing preferences for each affected address, email address or phone number you have registered with us.

By going ahead with a Cover-More Blue Insurance Services Limited quote or policy or by giving us personal information including sensitive personal information (as more particularly described in our Security and Privacy Statement) you will be explicitly agreeing to us, our agents, other insurers and the other persons described in this notice (and/or in the Security and Privacy Statement) processing it for all relevant purposes including but not limited to those described in this notice. Before you provide us with any information about others, you should make sure they are aware of how we will use their information and have agreed to this. It is your responsibility to ensure that you have obtained the permission of any such persons and have shown this notice to them to allow us to process their personal data for the purposes outlined in this notice. For our policy about taking instructions from persons other than the Policyholder, details about data transfers outside the European Economic Area, how to obtain copies of personal information and who to contact in the event of questions, please see the Security and Privacy Statement (which contains a full overview about Cover-More Blue Insurance Services Limited’s use of your personal information) which we expect you to read. You can view this by visiting our Privacy Policy or by contacting our Customer Services Manager at [email protected] for a hard copy.

You can obtain confirmation on what information is held about you and your previous claims on Insurance Link by visiting www.inslink.ie .

Before you travel, get a Risk assesment of your destination . Check Trip .

Travel Insurance with Covid-19 Medical & Cancellation Cover . Learn More .

Why Blue Insurance?

Online Annual European Premier Plus cover for person under 66 years holding private health insurance with medical cover abroad.

• Cancellation or Curtailment
• Emergency Medical Expenses
• Personal Accident
• Personal Money & Documents
• Personal Liability
• Missed Departure
• Holiday Abandonment

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Cover-More Blue Insurance Services Limited is regulated by the Central Bank of Ireland. Agent/Broker Login | Broker / Agent Registration | Careers | Privacy | Terms of Business including Schedule of Fees & Charges

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Annual Travel Insurance

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

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.

24/7 access to a GP as standard.

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…

COVID-19 Cover. Holidays without worry 👌

Our cover for covid-19 gives you the peace of mind you need for a stress-free return to travelling.

Our cover for COVID-19 gives you benefits such as:

• Cancellation cover if you, a close relative or travelling companion receive a positive diagnosis for COVID-19
• Cancellation cover if you, or any person insured by the policy, are required to self-isolate on your scheduled departure date
• Curtailment cover if The Department of Foreign Affairs (or any other equivalent government body in another country) advises you to return home due to COVID-19
• Related Medical Expenses if you contract COVID-19 while abroad
• Additional accommodation if you contract COVID-19 while you are abroad and are unable to return home as planned

Please note that cancellation claims relating to government restrictions for COVID-19 are excluded and any Pandemic illness is not covered within 48 hours of your policy purchase date.

Cover is subject to Terms & Conditions and some exclusions will apply. For full details of cover available please click here

*Please note that cancellation claims relating to government restrictions for COVID-19 are excluded and we will not cover any claim where your travel to a country or specific area or event to which the Travel Advice Section of the Department of Foreign affairs or the World Health Organisation has advised the public not to travel to.

With AA Travel Insurance, we have something for everyone.

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

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

Eyeing a short adventure?

Single Trip Travel Insurance

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

Backpacker Travel Insurance

Already Insured with us? 🤝

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

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Terms and Condition

^  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.

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Allianz Assistance  Travel Insurance

Feel relaxed on   your holidays, your benefits.

• 24/7/365 medical assistance helpline

Presence in 66 countries worldwide to support you

• 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.

Get a Quote  online today!

Learn more about allianz  travel insurance.

Allianz Assistance

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 .

Single Trip

Business Travel

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 Multi Trip

Are you a seasoned traveller who can't stop stamping your passport? Then this policy is the one for you. Get covered for all your adventures and excursions with our Multi-Trip Insurance. Get a Quote Now

Single Trip

Whether you're planning a big annual holiday or a last-minute getaway, our Single Trip Insurance has your back. Get a Quote Now

Family Single Trip

Keep you and your loved ones safe wherever you choose to holiday with our popular Family Travel Insurance. You'll be glad you did. Get a Quote Now

Looking for Affordable Travel Insurance?

The best type of adventure is one that makes you feel safe and secure, so why not cover you and your family against any potential accidents with JustCover travel insurance? We offer excellent quality travel insurance at a great affordable price within your budget. We look after you and your loved ones should you suffer an accident.

We provide you with peace of mind so that you can embrace the holiday spirit without worry. We will cover you against any non pre-existing medical expenses (including Covid-19 diagnosis), cancellations and lost belongings or money. Let us take care of the boring details and leave the fun to you. Choose between our customised offers to find the right policy for you.

Cover Summary

Policy Wording

Travel Insurance is essential for peace of mind . Get your Holiday Travel Insurance Right Here, Right Now. Here at JustCover.ie Travel Insurance we don't waste your time, we JustCover.

If you have VHI, Laya-Healthcare or Irish Life Private Health Insurance why not avail of our REDUCED RATE SINGLE TRIP and MULTI TRIP TRAVEL INSURANCE POLICIES and make great savings. Travel Insurance is a necessity not a luxury. Remember if you wish to travel worry free, do not travel without your Travel Insurance,

Holiday Insurance | Annual Travel Insurance | Single Trip Travel Insurance | Family Travel Insurance | Multi Trip Travel Insurance

Multitrip Travel Insurance

• Annual Travel Insurance

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Single trip travel insurance, family travel insurance.

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Travel Insurance for over 70s

Annual travel insurance from €19.95 *, affordable travel insurance.

Multitrip.com offers comprehensive travel insurance, whether you're traveling for business, pleasure, or adventure. We understand that unexpected events can occur, causing disruptions and inconvenience. That's why we are here to provide you with peace of mind by protecting your travel plans at affordable prices.

Flexible choice

Whether it's a weekend trip to Europe, a backpacker holiday to Asia, or multiple trips around the world each year, you can rest assured that with Multitrip.com you will find a travel insurance policy to suit your needs.

Expert Service

We believe that everyone deserves to travel with confidence, knowing that they are backed by a reliable and trustworthy insurance provider. Our team of experienced professionals are committed to delivering a high level of service and support, providing you with the assistance you need when you need it the most.

Covid Cover

We are committed to ensuring that you are protected against any unforeseen circumstances during your travels, including those related to COVID-19 medical and cancellation. With our enhanced coverage, you can rest assured that you are in safe hands. Learn More .

Travel Insurance Reviews from Multitrip.com Customers

So helpful on the phone and easy to get travel insurance at a great price would highly recommend. John - 5 Star Review - 31 st January 2023

Ireland's Favourite Travel Insurance Provider

Looking for travel insurance that gives you peace of mind no matter where you are? Here are three reasons to travel with Multitrip.com:

Competitive Prices

The travel insurance we offer is not only affordable, but we also allow you to compare travel insurance benefits across three levels of cover.

Multi-Award-Winning Provider

Multitrip.com is part of Cover-More Blue Insurance Services Limited, winner of numerous Best Travel Insurance Provider awards and Deloitte's Best Managed Companies Award.

Friendly Customer Service Team

Our customer service team is always happy to help you via phone, email and social media.

Easy Claims Process

The claims process is made as fast, simple and straight forward as possible. Liaise with an experienced team, committed to providing the highest standards of service.

Types of Travel Insurance

No matter what your travel style is, we’ve got a travel insurance type for you:

Planning a one-off trip? Whether it’s a long or short getaway, Single Trip Holiday Insurance could be the best option for you.

Love travelling? Save money with 1 or 2 Year Multitrip Travel Insurance - it covers unlimited trips, so you can holiday as much as you like.

Heading abroad to travel, work or study? Backpacker Holiday Insurance offers extensive protection whether you’re 18 or 49!

Travelling with children? Protect your family under one Multitrip Travel Insurance policy.

Hitting the slopes? Add Winter Sports Cover to your policy and stay protected whether you’re skiing or snowboarding.

Want to spend your retirement travelling? Find affordable holiday insurance with comprehensive cover for seniors over 70s.

What Does Travel Insurance Cover?

Discover six of Multitrip.com's travel insurance benefits below* or explore more details here .

Cover the expenses of unused and irrecoverable travel and accommodation costs in case you need to cancel or cut short your travel.

Cover financial expenses should injury, illness or death occur during your trip outside Ireland.

Have 24/7 assistance should you require medical emergency abroad, repatriation or curtailment while on holiday.

Get cover against accidental loss of, theft of or damage to baggage/personal belongings.

Cover the expenses you become legally liable to pay if you cause another's bodily injury or property damage.

Get reimbursed for the costs of travel delays if your scheduled public transportation is delayed for over 12 hours.

Cancellation or Curtailment

Medical expenses, emergency assistance, baggage & personal belongings, personal liability, delayed departure.

*Terms & Conditions apply.

Upgrade Your Travel Insurance

Planning a holiday that’s unique to you? At Multitrip.com, you can include additional travel cover to suit your specific needs:

   Winter Sports

  travel disruption,   flight cancellation,   wedding,   business,   golf,   cruise connection,   excess waiver,   exam failure backpacker cover only, travel insurance tips.

• Purchase your policy straight after you've booked your trip:  If you buy your holiday insurance as soon as you book your flights and accommodation, Multitrip.com travel insurance can provide cover should mishaps affect your holiday before you even leave home.
• Personalise your cover to match every inch of your itinerary:  Hitting the slopes for a snowboarding sesh? Worried volcanic activity will affect your dream holiday? You can protect your bespoke trip with the additional coverage options.
• Always declare your medical conditions:  Multitrip.com travel insurance automatically covers a number of medical conditions, but if yours isn't listed, be sure to contact the Medical Screening line to find out more about the options available.

Our Travel Insurance is underwritten by

• Travel Insurance

Insuremyholiday.ie 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 Insuremyholiday.ie , 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

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

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.

• 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.

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!

• 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 .

• 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.

• 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.

• 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.

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Travel Insurance

Enjoy your travel with great cover.

Travel Delay & Cancellation Covered

Benefits Covered

Medical expenses up to €5,000,000.

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.

Cancellation up to €4,000

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. You can use our MyArachas digital wallet to access your documents anytime, anywhere whenever you need to.

Take a closer look at travel insurance

Whatever you want, we’ve got it.

Personal Property up to €2,000

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 up to €38,000

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

Personal Liability up to €2,500,000

If you are legally liable for accidentally inuring someone else or damaging someone else’s property while abroad you won’t need to worry.

Overseas Legal Expenses up to €30,000

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

• Policies purchased prior to 14th March 2022: This Policy will not cover any claims directly or indirectly arising from, relating to or in any way connected with the Coronavirus Disease 19 (COVID-19) or any mutation or variation of COVID-19 except for Medical Expenses and Repatriation claims provided You are not travelling in, to or through any area to which the Department of Foreign Affairs has allocated a security status of "Avoid non-essential travel" or "Do not travel". We will not therefore cover claims relating to any inability to travel, any decision not to travel or any changes to travel plans as a result of COVID-19 or any mutation or variation of Covid-19.
• Contracts Coronavirus before your trip
• Is required to quarantine on orders of a treating doctor or the HSE, and the period of quarantine goes past your original departure date
• You decide not to travel
• Expenses you have because of any country’s government travel restrictions
• Travel restrictions made by a travel or accommodation provider
• Financial failure of your travel or holiday provider
• Any holidays to areas where the Department of Foreign Affairs (DFA) allocates a security status of “Avoid non-essential travel” or “Do not travel”

Please click here to download  Chubb Covid 19 document.

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 Policy documents

Click here to view the Chubb Policy Document for Arachas Travel Insurance

Click here to view the Chubb Policy Document for Arachas Health Cover and Travel Insurance

Click here to view the Chubb Covid 19 Document

Single Trip

• Annual Multi-Trip
• Winter Sports & Ski
• Travel Advice & News
• Policy Information
• File a Claim
• Insurance Glossary

Travel Insurance

Travel safe with confidence .

What is travel insurance? 

Whether you’re heading to snowy slopes or beautiful beaches, going abroad is an exciting experience.

Although accidents can happen while you’re away, the best travel insurance policies provide you with peace of mind. With travel insurance from Allianz, you’ll be covered for many unforeseen eventualities.

Our holiday insurance can be used to cover medical expenses, trip cancellation, delays, lost or stolen baggage and personal liability. When you choose Allianz travel insurance, there’s no more wondering ‘what if?’ There’s a policy for most types of travel so whether you’re heading on a family holiday, a last-minute business trip or jetting off on a few city breaks, we’ve got cover for you.

You spend months planning and looking forward to your holidays, and Allianz travel insurance helps you to protect your investment. There’s no need to worry about whether medical emergencies or delayed flights will affect your trip, because we help to provide the support you need to handle the unexpected. Plus, with three different levels of cover to choose from, you’re sure to find the right policy for you.

The type of travel insurance you need will depend on the countries you’re visiting, the activities you’ll be doing and the length of your trip. We offer Single Trip and Annual Multi-Trip travel insurance, and can provide cover for Backpackers (for those aged 50 or over) too.  

Below is some more information about our products, for which Terms and Conditions apply. Please visit the policy information hub for full details.

What does travel insurance cover? 

At Allianz, we offer travel insurance that’s appropriate for most travellers. Our policies provide varying levels of cover; therefore it’s important that you read your policy documents carefully, so that you know exactly what you’re covered for before you travel. If there’s anything on the policy that you’re not sure about, please get in touch – we’ll be happy to help.

Our Single Trip , Annual and Backpacker policies all suit different needs. Plus, we pffer three different levels of cover - Bronze, Silver and Gold – so you can choose the cover with the claim limits that meets your needs. Depending on which policy and level of cover you choose, you’ll be covered for: 

·        Cancelling or cutting short your trip

·        Emergency medical and associated expenses

·        Loss of passport*

·        Delayed personal possessions

·        Lost, stolen or damaged personal possessions*

·        Loss of money*

·        Personal accident

·        Missed departures

·        Delayed departures

·        Personal liability

*Not available with Bronze level cover

Terms and Conditions Apply.

• Perfect for those that only travel occasionally whether here in the UK, Europe or Worldwide.
• Cover all your trips this year with one affordable policy. Trip limits apply.
• Gap year, career break, or just a wander? Ideal cover for overseas or adventure travel.

Popular insurance types from Allianz

Annual Multi-Trip Travel Insurance

Backpacker Travel Insurance

Single Trip Travel Insurance

B usiness Travel Insurance

Family Travel Insurance

Winter Sports and Ski Insurance

Frequently asked questions, make a claim, policy documents.

Money blog: 'Loud budgeting' - The money-saving trend that has nothing to do with giving up your daily coffee

Created accidentally by a comedian, "loud budgeting" is breaking down the taboo of speaking about money. Read this and the rest of our Weekend Money features, and leave a comment, and we'll be back with rolling personal finance and consumer news on Monday.

Saturday 11 May 2024 09:05, UK

Weekend Money

• 'Loud budgeting': The money-saving trend that has nothing to do with giving up your daily coffee
• What is most in-demand period property?
• £12m tea advert, downsizing, £320 tasting menus and job interview mistakes: What readers have said this week
• Free childcare applications about to open for new age band
• Where has huge week for UK economy left us?

Best of the week

• How to avoid a holiday data roaming charge (while still using the internet)
• Mortgage rates up again this week - here are the best deals on the market
• My daughter discovered undeclared £600 management fee after buying her flat - can we complain?
• Best of the Money blog - an archive

Ask a question or make a comment

By Jess Sharp , Money team 

Money saving trends are constantly popping up on social media - but one in particular has been gaining huge amounts of attention.

Created accidentally by a comedian, loud budgeting is breaking down the taboo of speaking about money.

The idea is based on being firmer/more vocal about your financial boundaries in social situations and setting out what you are happy to spend your money on, instead of "Keeping up with the Joneses". 

On TikTok alone, videos published under the hashtag #loudbudgeting have garnered more than 30 million views - and that figure is continuing to climb. 

We spoke to Lukas Battle - the 26-year-old who unintentionally created the trend as part of a comedy sketch. 

Based in New York, he came up with the term in a skit about the "quiet luxury" hype, which had spread online in 2023 inspired by shows like Succession. 

The term was used for humble bragging about your wealth with expensive items that were subtle in their design - for example, Gwyneth Paltrow's  £3,900 moss green wool coat from The Row, which she wore during her ski resort trial...

"I was never a big fan of the quiet luxury trend, so I just kind of switched the words and wrote 'loud budgeting is in'. I'm tired of spending money and I don't want to pretend to be rich," Lukas said. 

"That's how it started and then the TikTok comments were just obsessed with that original idea." 

This was the first time he mentioned it...

Lukas explained that it wasn't about "being poor" but about not being afraid of sharing your financial limits and "what's profitable for you personally". 

"It's not 'skip a coffee a day and you'll become a millionaire'."

While talking money has been seen as rude or taboo, he said it's something his generation is more comfortable doing. 

"I've seen more debate around the topic and I think people are really intrigued and attracted by the idea," he said. 

"It's just focusing your spending and time on things you enjoy and cutting out the things you might feel pressured to spend your money on."  

He has incorporated loud budgeting into his own life, telling his friends "it's free to go outside" and opting for cheaper dinner alternatives.

"Having the terminology and knowing it's a trend helps people understand it and there's no awkward conversation around it," he said. 

The trend has been a big hit with so-called American "finfluencers", or "financial influencers", but people in the UK have started practising it as well. 

Mia Westrap has taken up loud budgeting by embarking on a no-buy year and sharing her finances with her 11.3k TikTok followers. 

Earning roughly £2,100 a month, she spends around £1,200 on essentials, like rent, petrol and car insurance, but limits what else she can purchase. 

Clothes, fizzy drinks, beauty treatments, makeup, dinners out and train tickets are just some things on her "red list". 

The 26-year-old PHD student first came across the idea back in 2017, but decided to take up the challenge this year after realising she was living "pay check to pay check". 

She said her "biggest fear" in the beginning was that her friends wouldn't understand what she was doing, but she found loud budgeting helped. 

"I'm still trying my best to just go along with what everyone wants to do but I just won't spend money while we do it and my friends don't mind that, we don't make a big deal out of it," she said. 

So far, she has been able to save £1,700, and she said talking openly about her money has been "really helpful". 

"There's no way I could have got this far if I wasn't baring my soul to the internet about the money I have spent. It has been a really motivating factor."

Financial expert John Webb said loud budgeting has the ability to help many "feel empowered" and create a "more realistic" relationship with money.

"This is helping to normalise having open and honest conversations about finances," the consumer affair manager at Experien said. 

"It can also reduce the anxiety some might have by keeping their financial worries to themselves." 

However, he warned it's important to be cautious and to take the reality of life into consideration. 

"It could cause troubles within friendship groups if they're not on the same page as you or have different financial goals," he said.

"This challenge isn't meant to stop you from having fun, but it is designed to help people become more conscious and intentional when it comes to money, and reduce the stigma around talking about it." 

Rightmove's keyword tool shows Victorian-era houses are the most commonly searched period properties, with people drawn to their ornate designs and features.

Georgian and Edwardian-style are second and third respectively, followed by Tudor properties. Regency ranked in fifth place.

Rightmove property expert Tim Bannister said: "Home hunters continue to be captivated by the character and charm of properties that we see in period dramas.

"Victorian homes remain particularly popular, characterised by their historic charm, solid construction, and spacious interiors. You'll often find Victorian houses in some of the most desirable locations which include convenient access to schools and transport links."

Throughout the week Money blog readers have shared their thoughts on the stories we've been covering, with the most correspondence coming in on...

• A hotly contested debate on the best brand of tea
• Downsizing homes
• The cost of Michelin-starred food

Job interview mistakes

On Wednesday we reported on a new £12m ad from PG Tips in response to it falling behind rivals such as Twinings, Yorkshire Tea and Tetley....

We had lots of comments like this...

How on earth was the PG Tips advert so expensive? I prefer Tetley tea, PG Tips is never strong enough flavour for me. Shellyleppard

The reason for the sales drop with PG Tips could be because they increased the price and reduced the quantity of bags from 240 to 180 - it's obvious. Royston

And then this question which we've tried to answer below...

Why have PG Tips changed from Pyramid shape tea bags, to a square? Sam

Last year PG Tips said it was changing to a square bag that left more room for leaves to infuse, as the bags wouldn't fold over themselves.

We reported on data showing how downsizing could save you money for retirement - more than £400,000, in some regions, by swapping four beds for two.

Some of our readers shared their experiences...

We are downsizing and moving South so it's costing us £100k extra for a smaller place, all money from retirement fund. AlanNorth

Interesting read about downsizing for retirement. We recently did this to have the means to retire early at 52. However, we bought a house in the south of France for the price of a flat in our town in West Sussex. Now living the dream! OliSarah

How much should we pay for food?

Executive chef at London's two-Michelin-starred Ikoyi, Jeremy Chan, raised eyebrows when he suggested to the Money blog that Britons don't pay enough for restaurant food.

Ikoyi, the 35th best restaurant in the world, charges £320 for its tasting menu. 

"I don't think people pay enough money for food, I think we charge too little, [but] we want to always be accessible to as many people as possible, we're always trying our best to do that," he said, in a piece about his restaurant's tie up with Uber Eats... 

We had this in... 

Are they serious? That is two weeks' worth of food shopping for me, if the rich can afford this "tasting menu" then they need to be taxed even more by the government, it's just crazy! Steve T

If the rate of pay is proportionate to the vastly overpriced costs of the double Michelin star menu, I would gladly peel quail eggs for four-hour stints over continuing to be abused as a UK supply teacher. AndrewWard

Does this two-star Michelin star chef live in the real world? Who gives a toss if he stands and peels his quails eggs for four hours, and he can get the best turbot from the fishmonger fresh on a daily basis? It doesn't justify the outrageous price he is charging for his tasting menu. Topaztraveller

Chefs do make me laugh, a steak is just a steak, they don't make the meat! They just cook it like the rest of us, but we eat out because we can't be bothered cooking! StevieGrah

Finally, many of you reacted to this feature on common mistakes in job interviews...

Those 10 biggest mistakes people make in interviews is the dumbest thing I've ever read. They expect all that and they'll be offering a £25k a year job. Why wouldn't I want to know about benefits and basic sick pay? And also a limp handshake? How's that relevant to how you work? Jre90

Others brought their own tips...

Whenever I go for an interview I stick to three points: 1. Be yourself 2. Own the interview 3. Wear the clothes that match the job you are applying Kevin James Blakey

From Sunday, eligible working parents of children from nine-months-old in England will be able to register for access to up to 15 free hours of government-funded childcare per week.

This will then be granted from September. 

Check if you're eligible  here  - or read on for our explainer on free childcare across the UK.

Three and four year olds

In England, all parents of children aged three and four in England can claim 15 hours of free childcare per week, for 1,140 hours (38 weeks) a year, at an approved provider.

This is a universal offer open to all.

It can be extended to 30 hours where both parents (or the sole parent) are in work, earn the weekly minimum equivalent of 16 hours at the national minimum or living wage, and have an income of less than £100,000 per year.

Two year olds

Previously, only parents in receipt of certain benefits were eligible for 15 hours of free childcare.

But, as of last month, this was extended to working parents.

This is not a universal offer, however.

A working parent must earn more than £8,670 but less than £100,000 per year. For couples, the rule applies to both parents.

Nine months old

In September, this same 15-hour offer will be extended to working parents of children aged from nine months. From 12 May, those whose children will be at least nine months old on 31 August can apply to received the 15 hours of care from September.

From September 2025

The final change to the childcare offer in England will be rolled out in September 2025, when eligible working parents of all children under the age of five will be able to claim 30 hours of free childcare a week.

In some areas of Wales, the Flying Start early years programme offers 12.5 hours of free childcare for 39 weeks, for eligible children aged two to three. The scheme is based on your postcode area, though it is currently being expanded.

All three and four-year-olds are entitled to free early education of 10 hours per week in approved settings during term time under the Welsh government's childcare offer.

Some children of this age are entitled to up to 30 hours per week of free early education and childcare over 48 weeks of the year. The hours can be split - but at least 10 need to be used on early education.

To qualify for this, each parent must earn less than £100,000 per year, be employed and earn at least the equivalent of working 16 hours a week at the national minimum wage, or be enrolled on an undergraduate, postgraduate or further education course that is at least 10 weeks in length.

All three and four-year-olds living in Scotland are entitled to at least 1,140 hours per year of free childcare, with no work or earnings requirements for parents. 

This is usually taken as 30 hours per week over term time (38 weeks), though each provider will have their own approach.

Some households can claim free childcare for two-year-olds. To be eligible you have to be claiming certain benefits such as Income Support, Jobseeker's Allowance or Universal Credit, or have a child that is in the care of their local council or living with you under a guardianship order or kinship care order.

Northern Ireland

There is no scheme for free childcare in Northern Ireland. Some other limited support is available.

Working parents can access support from UK-wide schemes such as tax credits, Universal Credit, childcare vouchers and tax-free childcare.

Aside from this, all parents of children aged three or four can apply for at least 12.5 hours a week of funded pre-school education during term time. But over 90% of three-year-olds have a funded pre-school place - and of course this is different to childcare.

What other help could I be eligible for?

Tax-free childcare  - Working parents in the UK can claim up to £500 every three months (up to £2,000 a year) for each of their children to help with childcare costs. 

If the child is disabled, the amount goes up to £1,000 every three months (up to £4,000 a year).

To claim the benefit, parents will need to open a tax-free childcare account online. For every 80p paid into the account, the government will top it up by 20p.

The scheme is available until the September after the child turns 11.

Universal credit  - Working families on universal credit can claim back up to 85% of their monthly childcare costs, as long as the care is paid for upfront. The most you can claim per month is £951 for one child or £1,630 for two or more children.

Tax credits -  People claiming working tax credit can get up to 70% of what they pay for childcare if their costs are no more than £175 per week for one child or £300 per work for multiple children.

Two big economic moments dominated the news agenda in Money this week - interest rates and GDP.

As expected, the Bank of England held the base rate at 5.25% on Wednesday - but a shift in language was instructive about what may happen next.

Bank governor Andrew Bailey opened the door to a summer cut to 5%, telling reporters that an easing of rates at the next Monetary Policy Committee meeting on 20 June was neither ruled out nor a fait accompli.

More surprisingly, he suggested that rate cuts, when they start, could go deeper "than currently priced into market rates".

He refused to be drawn on what that path might look like - but markets had thought rates could bottom out at 4.5% or 4.75% this year, and potentially 3.5% or 4% next.

"To make sure that inflation stays around the 2% target - that inflation will neither be too high nor too low - it's likely that we will need to cut Bank rate over the coming quarters and make monetary policy somewhat less restrictive over the forecast period," Mr Bailey said.

You can read economics editor Ed Conway's analysis of the Bank's decision here ...

On Friday we discovered the UK is no longer in recession.

Gross domestic product (GDP) grew by 0.6% between January and March, the Office for National Statistics said.

This followed two consecutive quarters of the economy shrinking.

The data was more positive than anticipated.

"Britain is not just out of recession," wrote Conway. "It is out of recession with a bang."

The UK has seen its fastest growth since the tailend of the pandemic - and Conway picked out three other reasons for optimism.

1/ An economic growth rate of 0.6% is near enough to what economists used to call "trend growth". It's the kind of number that signifies the economy growing at more or less "normal" rates.

2/ 0.6% means the UK is, alongside Canada, the fastest-growing economy in the G7 (we've yet to hear from Japan, but economists expect its economy to contract in the first quarter).

3/ Third, it's not just gross domestic product that's up. So too is gross domestic product per head - the number you get when you divide our national income by every person in the country. After seven years without any growth, GDP per head rose by 0.4% in the first quarter.

GDP per head is a more accurate yardstick for the "feelgood factor", said Conway - perhaps meaning people will finally start to feel better off.

For more on where Friday's figures leaves us, listen to an Ian King Business Podcast special...

The Money blog is your place for consumer news, economic analysis and everything you need to know about the cost of living - bookmark news.sky.com/money .

It runs with live updates every weekday - while on Saturdays we scale back and offer you a selection of weekend reads.

Check them out this morning and we'll be back on Monday with rolling news and features.

The Money team is Emily Mee, Bhvishya Patel, Jess Sharp, Katie Williams, Brad Young and Ollie Cooper, with sub-editing by Isobel Souster. The blog is edited by Jimmy Rice.

If you've missed any of the features we've been running in Money this year, or want to check back on something you've previously seen in the blog, this archive of our most popular articles may help...

Loaves of bread have been recalled from shelves in Japan after they were found to contain the remains of a rat.

Production of the bread in Tokyo has been halted after parts of a "small animal" were found by at least two people.

Pasco Shikishima Corp, which produces the bread, said 104,000 packages have been recalled as it apologised and promised compensation.

A company representative told Sky News's US partner network, NBC News, that a "small black rat" was found in the bread. No customers were reported to have fallen ill as a result of ingesting the contaminated bread.

"We deeply apologise for the serious inconvenience and trouble this has caused to our customers, suppliers, and other concerned parties," the spokesman said.

Pasco added in a separate statement that "we will do our utmost to strengthen our quality controls so that this will never happen again. We ask for your understanding and your co-operation."

Japanese media reports said at least two people who bought the bread in the Gunma prefecture, north-west of Tokyo, complained to the company about finding a rodent in the bread.

Record levels of shoplifting appear to be declining as fewer shopkeepers reported thefts last year, new figures show. 

A survey by the Office for National Statistics shows 26% of retailers experienced customer theft in 2023, down from a record high of 28% in 2022.

This comes despite a number of reports suggesting shoplifting is becoming more frequent. 

A  separate ONS finding , which used police crime data, showed reports of shoplifting were at their highest level in 20 years in 2023, with law enforcements logging 430,000 instances of the crime.

Let's get you up to speed on the biggest business news of the past 24 hours. 

A privately owned used-car platform is circling Cazoo Group, its stricken US-listed rival, which is on the brink of administration.

Sky News has learnt that Motors.co.uk is a leading contender to acquire Cazoo's marketplace operation, which would include its brand and intellectual property assets.

The process to auction the used-car platform's constituent parts comes after it spent tens of millions of pounds on sponsorship deals in football, snooker and darts in a rapid attempt to gain market share.

The owner of British Airways has reported a sharp rise in profits amid soaring demand for trips and a fall in the cost of fuel.

International Airlines Group said its operating profit for the first three months of the year was €68m (£58.5m) - above expectations and up from €9m (£7.7m) during the same period in 2023.

The company, which also owns Aer Lingus, Iberia and Vueling, said earnings had soared thanks to strong demand, particularly over the Easter holidays.

The prospect of a strike across Tata Steel's UK operations has gained further traction after a key union secured support for industrial action.

Community, which has more than 3,000 members, said 85% voted in favour of fighting the India-owned company's plans for up to 2,800 job losses, the majority of them at the country's biggest steelworks in Port Talbot, South Wales.

Tata confirmed last month it was to press ahead with the closure of the blast furnaces at the plant, replacing them with electric arc furnaces to reduce emissions and costs.

In doing so, the company rejected an alternative plan put forward by the Community, GMB and Unite unions that, they said, would raise productivity and protect jobs across the supply chain.

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