Travel insurance — Ireland

[1] Medical expenses: Covered ↩

Necessary and reasonable emergency medical, surgical and hospital treatment and ambulance costs abroad. Maximum benefit: Extended Stay €1,000,000; Budget €2,000,000; Premier €5,000,000; Premier Plus Unlimited. An excess of €100 per incident applies (Budget/Premier), reduced to nil if EHIC/Medicare is used to reduce costs; Premier Plus has nil excess.

We will pay up to the amount shown in the table of benefits for the necessary and reasonable costs as a result of you becoming ill, being injured or dying during your trip.

[2] Medical transport: Covered ↩

Ambulance costs are covered as part of Section B1 within the overall tiered limits (€1,000,000-€5,000,000, Unlimited on Premier Plus). Taxi fares are only covered when used in place of an ambulance.

Emergency medical, surgical and hospital treatment and ambulance costs.

[3] COVID-19 treatment: See details ↩

No specific COVID-19 medical treatment benefit or exclusion is mentioned in the policy wording.

[4] Personal liability: €500,000 – €2,000,000 ↩

Covers legal liability for accidentally injuring someone or damaging/losing their property while abroad. Maximum benefit: €500,000 (Budget/Extended Stay), €2,000,000 (Premier and Premier Plus). Excess €250 (Budget/Premier), nil (Premier Plus). Does not apply to trips taken within the Republic of Ireland.

We will pay up to the total amount shown in the table of benefits if, within the period of insurance shown on your policy schedule, you are legally liable for accidentally: injuring someone; or damaging or losing someone else's property.

[5] Emergency dental: €300 ↩

Up to €300 for emergency dental treatment, as long as it is for the immediate relief of pain only. This flat limit applies across all cover levels.

Up to €300 for emergency dental treatment as long as it is for the immediate relief of pain only.

[6] Search & rescue: Excluded ↩

Search and rescue costs charged by a government, regulated authority or private organisation connected with finding and rescuing an individual are explicitly excluded under Section B1. This exclusion does not extend to medical evacuation costs by the most appropriate transport, which remain covered.

Any search and rescue costs (costs charged to you by a government, regulated authority or private organisation connected with finding and rescuing an individual. This does not include medical evacuation costs by the most appropriate transport).

[7] Legal assistance: €5,000 – €50,000 ↩

Legal costs and expenses for pursuing compensation claims resulting from death, illness or injury during the trip. Maximum benefit: €5,000 (Budget/Extended Stay), €25,000 (Premier), €50,000 (Premier Plus). Excess €250 (Budget/Premier), nil (Premier Plus). Does not apply to trips within the Republic of Ireland.

We will pay up to the amount shown in the table of benefits for legal costs and expenses arising as a result of dealing with claims for compensation and damages resulting from your death, illness or injury during your trip.

[8] Emergency medical treatment: Covered ↩

Emergency medical, surgical and hospital treatment forms part of Section B1 (Medical and other expenses outside the Republic of Ireland), sharing the same tiered limits: €1,000,000 (Extended Stay), €2,000,000 (Budget), €5,000,000 (Premier), Unlimited (Premier Plus).

Emergency medical, surgical and hospital treatment and ambulance costs.

[9] Hospitalization: Covered ↩

In-patient hospital treatment abroad is paid under Section B1 within the same tiered limits (€1,000,000 Extended Stay / €2,000,000 Budget / €5,000,000 Premier / Unlimited Premier Plus). A separate Section B2 Hospital Benefit cash payment of €15 per complete 24-hour period as in-patient applies: Nil (Budget/Extended Stay), up to €2,000 (Premier), up to €3,000 (Premier Plus).

We will pay a benefit of €15 for each complete 24-hour period that you are kept as an inpatient.

[10] Outpatient treatment: Covered ↩

Outpatient treatment abroad is covered under Section B1 within the same tiered overall limits. If outpatient treatment is likely to cost more than €700, AIG Assistance Services must be contacted immediately or cover may be refused or reduced.

If you go into hospital abroad and you are likely to be kept as an inpatient for more than 24 hours or if your outpatient treatment is likely to cost more than €700, someone must contact AIG Assistance Services for you immediately.

[11] Medical evacuation: Covered ↩

Covers the cost of an earlier-than-planned return to Ireland if medically necessary and approved by AIG Assistance Services, plus extra accommodation and travel costs for a companion, within the overall B1 tiered limits.

The cost of your return to the Republic of Ireland earlier than planned if this is medically necessary and the Medical Emergency Assistance Company approve this.

[12] Repatriation of remains: €7,000 ↩

Up to €7,000 for the cost of returning the deceased's body or ashes to Ireland, or up to €3,000 for funeral and burial expenses in the country of death, if outside the Republic of Ireland. This flat limit applies across all cover levels.

Up to €7,000 for the cost of returning your body or ashes to the Republic of Ireland or up to €3,000 for the cost of the funeral and burial expenses in the country in which you die if this is outside the Republic of Ireland.

[13] Pre existing conditions: Excluded ↩

No cover for any claim relating to a medical condition, illness or death related to a medical condition which the insured person (or anyone on whom the trip depends) knew about before purchasing the insurance. Any change in health after purchase but before travel must be reported to AIG immediately.

The claim relates to a medical condition or an illness or death related to a medical condition which you or any person who your trip depends on (this would include a relative or a business associate) knew about before you bought this insurance.

[14] Winter sports cover: Optional ↩

Optional paid upgrade (up to 17 days included within Annual Multi-Trip). Covers: winter sports equipment owned/hired up to €500 (single item limit €150); equipment hire up to €25/day to €200 if delayed/lost/damaged; lift pass up to €200; ski pack (unused ski school/tuition/lift pass/hire) up to €200; piste closure up to €20/day to €200; avalanche cover up to €250. Limits are the same across Budget, Premier and Premier Plus.

Please note: The following sections only apply if you have paid the appropriate premium for winter sports cover (if you have arranged an Annual Multi Trip policy cover is provided for up to 17 days within the period of insurance) and this is shown on your policy schedule.

[15] Adventure sports cover: Conditional ↩

A first list of activities (e.g. cycling, scuba diving to 30m, bungee jumping) is covered in full including Personal Accident and Personal Liability sections, subject to following safety guidelines and the activity not being the main purpose of the trip, a competition, or professional. A second list of higher-risk activities (e.g. horse riding, jet skiing, motorcycling over 50cc, hot-air ballooning) is covered but excludes Section G (Personal accident) and Section H (Personal liability). Activities not listed require prior authorisation from AIG Customer Service.

Cover is provided for the activities listed in the box below, however, no cover is available under section G (Personal accident) and section H (Personal liability).

[16] Pregnancy complications: Conditional ↩

Trip cancellation and medical expenses cover apply if the insured becomes pregnant after arranging the insurance and will be more than 26 weeks pregnant during the trip, or where a doctor advises against travel due to pregnancy complications. No cover applies to any pregnancy-related costs where the insured is more than 26 weeks pregnant at the start of or during the trip.

If you become pregnant after the date you arranged this insurance cover ... and you will be more than 26 weeks pregnant at the start of or during your trip. Or, if you become pregnant after the date you arranged this insurance cover and your doctor advises that you are not fit to travel due to complications in your pregnancy.

[17] Medical expenses: €1,000,000 – €10,000,000 ↩

Aggregate sum insured for emergency medical and associated expenses incurred abroad: up to €1,000,000 on Bronze cover and up to €10,000,000 on Gold cover.

[18] Medical transport: €1,000 ↩

Cover for transport and accommodation costs in the home country following a medical emergency, up to €1,000, the same limit for both Bronze and Gold cover.

[19] COVID-19 treatment: Conditional ↩

Costs arising from an epidemic or pandemic are excluded from cover except where expressly referenced within the insured covers, such as certain medical emergency or cancellation sections.

[20] Personal liability: €1,000,000 ↩

Personal liability cover for legal liability to third parties for accidental bodily injury or property damage; stated at up to €1,000,000 across Gold, Silver and Bronze cover levels. This figure is explicitly confirmed on the Single Trip product page; the Annual Multi-Trip product pages confirm personal liability cover is included but do not restate the euro limit.

[21] Emergency dental: €350 ↩

Emergency dental treatment is covered up to €350, the same limit applying to both Bronze and Gold cover levels.

[22] Search & rescue: Not established from the reviewed documents ↩

No specific search and rescue benefit or limit was disclosed in the reviewed sources.

[23] Legal assistance: Not established from the reviewed documents ↩

No specific legal assistance benefit or limit was disclosed in the reviewed sources.

[24] Emergency medical treatment: €1,000,000 – €10,000,000 ↩

Emergency medical treatment abroad is covered within the same aggregate limit as emergency medical and associated expenses: up to €1,000,000 (Bronze) or up to €10,000,000 (Gold).

[25] Hospitalization: €220 – €1,000 ↩

In-patient hospital benefit: up to €220 (€10/day) on Bronze cover and up to €1,000 (€50/day) on Gold cover.

[26] Outpatient treatment: Not established from the reviewed documents ↩

No separate outpatient treatment sub-limit was disclosed in the reviewed sources; outpatient costs are presumed within the overall emergency medical expenses aggregate.

[27] Medical evacuation: €1,000,000 – €10,000,000 ↩

Emergency medical transportation is covered within the same aggregate emergency medical expenses limit: up to €1,000,000 on Bronze cover and up to €10,000,000 on Gold cover.

[28] Repatriation of remains: €1,500 ↩

Funeral expenses (repatriation of remains) are covered up to €1,500, the same limit applying to both Bronze and Gold cover.

[29] Pre existing conditions: Excluded ↩

Existing medical conditions are not covered under the policy unless declared and accepted in writing by the insurer prior to travel.

[30] Winter sports cover: Optional ↩

Winter sports and ski cover can be added for an additional premium, providing cover for up to 31 days of winter sports activities such as skiing and snowboarding when confirmed on the policy schedule.

[31] Adventure sports cover: Excluded ↩

Extreme sports and certain other high-risk activities are excluded from cover under the policy's general exclusions.

[32] Pregnancy complications: Not established from the reviewed documents ↩

No specific benefit or limit for pregnancy complications was disclosed in the reviewed sources.

[33] Medical expenses: €5,000,000 ↩

Section 5 Medical and Additional Expenses provides a single aggregate limit of €5,000,000 per Person Insured for reasonable and medically necessary hospital, ambulance, surgical, diagnostic and remedial treatment costs incurred outside Ireland during a Holiday, including hospital stay charges. This is a shared ceiling covering all sub-benefits described below (hospitalisation, outpatient treatment, medical transport and evacuation), not six separate €5,000,000 limits. A €90 excess per person per claim applies, unless a reduction was obtained via a European Health Insurance Card in an EU country.

(Maximum amount payable per Person Insured - €5,000,000)

[34] Medical transport: €5,000,000 ↩

Ambulance transport costs necessary for treatment abroad are included within the shared €5,000,000 Section 5 Medical and Additional Expenses limit.

All reasonable costs that it is medically necessary to incur outside of Ireland for hospital, ambulance, surgical or other diagnostic or remedial treatment

[35] COVID-19 treatment: €5,000,000 ↩

Overseas medical and repatriation expenses for COVID-19 are covered within the shared €5,000,000 medical expenses limit, provided the destination is not under a DFA 'Avoid non-essential travel' or 'Do not travel' status. The policy's Communicable Disease general exclusion explicitly does not apply to claims for Medical Expenses and Repatriation Expenses. COVID-19 cancellation costs and quarantine-related additional accommodation/travel costs are also covered up to €3,000, subject to a Government-recognised positive test certified in writing.

This Policy Exclusion does not apply to Claims for Medical Expenses and Repatriation Expenses.

[36] Personal liability: €2,500,000 ↩

Section 11 Personal Liability indemnifies the insured up to €2,500,000 per Person Insured for accidental bodily injury or property damage caused to third parties during the Holiday, plus Costs and Expenses. Excludes wilful/malicious acts, liability for vehicles/aircraft/watercraft/firearms, and liability to family members or employees.

(Limit of Liability €2,500,000 per Person Insured)

[37] Emergency dental: €300 ↩

Emergency dental treatment for the relief of pain only, incurred outside Ireland, is covered up to €300 per Person Insured. Dental expenses for reasons other than pain relief are excluded.

Emergency Dental Treatment All medically necessary and reasonable cost to provide emergency dental treatment for the relief of pain only up to €300, outside of Ireland.

[38] Search & rescue: See details ↩

No search and rescue benefit is described anywhere in the policy document, key benefits table or FAQs reviewed.

[39] Legal assistance: €30,000 ↩

Section 12 Overseas Legal Advice & Expenses covers up to €30,000 per Person Insured for legal fees and expenses in pursuing a claim against a third party who caused bodily injury or illness abroad. Claims must be reported within 24 months of the incident and pre-authorised in writing by Chubb.

(Maximum payable €30,000 per Person Insured)

[40] Emergency medical treatment: €5,000,000 ↩

Emergency medical treatment abroad, including doctor referral, hospital admission and payment of hospital/doctor bills arranged via Chubb Assistance, falls within the same shared €5,000,000 Section 5 Medical and Additional Expenses limit, not a separate cap.

Medical Expenses All reasonable costs that it is medically necessary to incur outside of Ireland for hospital, ambulance, surgical or other diagnostic or remedial treatment, given or prescribed by a Doctor, and including charges for staying in a hospital;

[41] Hospitalization: €5,000,000 ↩

In-patient hospital treatment costs abroad are covered as part of the shared €5,000,000 Section 5 Medical and Additional Expenses limit (which explicitly includes charges for staying in hospital). A separate, additional Section 6 Hospital Benefit cash allowance of €20 per full 24 hours (max €400 per Holiday) is paid on top if the insured has a valid medical expenses claim and is a hospital in-patient; this is a fixed daily cash benefit, not a treatment-cost limit, and is recorded separately under product_specific_constraints.

All reasonable costs that it is medically necessary to incur outside of Ireland for hospital, ambulance, surgical or other diagnostic or remedial treatment, given or prescribed by a Doctor, and including charges for staying in a hospital;

[42] Outpatient treatment: €5,000,000 ↩

Outpatient medical, surgical or diagnostic treatment abroad prescribed by a doctor falls under the shared €5,000,000 Section 5 Medical and Additional Expenses limit.

All reasonable costs that it is medically necessary to incur outside of Ireland for hospital, ambulance, surgical or other diagnostic or remedial treatment, given or prescribed by a Doctor

[43] Medical evacuation: €5,000,000 ↩

Emergency repatriation to Ireland (or transfer to the most suitable hospital in Ireland), arranged by Chubb Assistance when medically necessary, is included within the shared €5,000,000 Section 5 Medical and Additional Expenses limit. Costs must be authorised in advance by Chubb Assistance.

Emergency Repatriation Expenses All reasonable costs that it is medically necessary for Chubb Assistance to incur to return You to Your home in Ireland; or to move You to the most suitable hospital in Ireland if it is medically necessary to do so.

[44] Repatriation of remains: €10,000 ↩

If a Person Insured dies abroad, up to €10,000 is paid for cremation or burial charges in the country of death, or to transport the body or ashes back to Ireland. Cremation or burial costs incurred in Ireland are excluded.

Cremation, burial or transportation charges If You die abroad, We will pay up to €10,000:

[45] Pre existing conditions: Conditional ↩

Cover is conditional on a Health Declaration: no Person Insured may be receiving or on a waiting list for hospital/nursing home treatment, awaiting investigation, referral or results of any procedure, choosing not to take prescribed medication, travelling against medical advice, travelling to obtain treatment, travelling with a terminal condition, or due to give birth within 12 weeks of trip end. Claims arising from an existing medical condition the insured was receiving or on a waiting list for treatment for are excluded from Medical Expenses cover.

is receiving or on a waiting list for treatment in a hospital or nursing home; • is waiting for investigation or referral, or the results of any investigation, medical treatment or surgical procedure, for any condition, whether diagnosed or undiagnosed

[46] Winter sports cover: €300 ↩

Optional Winter Sports Extension (additional premium) covers non-competitive skiing, snowboarding, cross-country skiing, glacier skiing/walking, dog sledding and tobogganing for up to 21 days per Period of Insurance, with a Key Benefits table maximum of €300 per claim. Note: Section 14's Ski Pack sub-benefit heading references 'up to €200' internally while its own text states a €300 limit for the ski pack benefit and the Key Benefits summary confirms €300 as the section maximum; €300 is used here as the governing figure. Competitive winter sports are excluded.

Ski Pack (up to €200) Up to €75 for each full week, or a proportionate amount for shorter or longer periods, limited to €300 to cover the value of an unused ski pass

[47] Adventure sports cover: Covered ↩

A long list of recreational leisure activities and sports (including scuba diving to 18m, jet skiing, parascending over water, go-karting, motorcycling up to 125cc, hot air ballooning as a passenger, water skiing, sail boarding, etc.) is automatically covered without extra premium while on a Holiday, subject to safety equipment/procedure conditions and provided the activity is not the main reason for the trip, not competitive, and medically permitted. There is no separate monetary sub-limit; claims fall within the relevant section limits (e.g. Medical Expenses, Personal Accident).

Jet skiing; • Korfball; • Lacrosse; • Land sailing; • Laser games; • Long jump; • Maxi-basketball; • Mini-basketball; • Motorcycling up to 125cc provided You wear a crash helmet

[48] Pregnancy complications: €5,000,000 ↩

Complications in pregnancy, as diagnosed by a doctor or specialist in obstetrics, are covered within the shared €5,000,000 medical expenses limit. If travelling between 28 and 35 weeks pregnant, the insured must obtain written confirmation of fitness to travel from a doctor no earlier than 5 days before the outbound travel date. Cover does not apply if the insured is due to give birth within 12 weeks of the date the trip ends.

If a Person Insured is injured or becomes ill (including complications in pregnancy as diagnosed by a Doctor or specialist in obstetrics, provided that if You are travelling between 28 and 35 weeks pregnant You obtained written confirmation from a Doctor of Your fitness to travel no earlier than 5 days prior to the outbound travel date)

[49] Medical expenses: €5,000,000 ↩

Covers emergency medical, surgical, hospital, ambulance and medical fees and charges incurred outside the Republic of Ireland as a result of unforeseen injury, illness, disease or compulsory quarantine, up to €5,000,000 per person per trip.

We will pay you up to €5,000,000 for the following expenses which are necessarily incurred during a trip as a result of you suffering unforeseen injury due to an accident, illness, disease and/or compulsory quarantine:

[50] Medical transport: €5,000,000 ↩

Ambulance and medical transport costs are covered within the overall €5,000,000 Section 2 limit. Taxi fares to/from hospital for admissions, discharge, outpatient treatment and medication collection are also covered.

Emergency medical, surgical, hospital, ambulance and medical fees and charges incurred outside of your home area.

[51] COVID-19 treatment: €5,000,000 ↩

COVID-19 is treated as a disease under the policy. Emergency medical expenses arising from COVID-19 illness are covered under Section 2 within the €5,000,000 limit, provided the insured has not travelled against official government/DFA advice. AXA Partners confirms Covid-related cover has been included following the pandemic.

[52] Personal liability: See details ↩

Personal liability is not listed as a standalone section or benefit in the Table of Benefits or policy sections of this policy wording. It is not found as a covered benefit.

[53] Emergency dental: €250 ↩

Covers emergency dental treatment for the immediate relief of pain only, up to €250 per person per trip, incurred outside the Republic of Ireland. Default excess of €95 applies (reducible to €0).

Emergency dental treatment for the immediate relief of pain only up to the limit of €250 incurred outside of your home area.

[54] Search & rescue: See details ↩

Search and rescue is not listed as a separately covered benefit in this policy. The policy covers emergency medical expenses and repatriation but does not include a standalone search and rescue benefit.

[55] Legal assistance: See details ↩

Legal assistance is not listed as a covered benefit in this policy wording. There is no standalone legal expenses or legal assistance section.

[56] Emergency medical treatment: €5,000,000 ↩

Covers emergency medical, surgical and hospital treatment necessarily incurred abroad due to unforeseen accident, illness or disease. Included within the overall €5,000,000 Section 2 limit.

Emergency medical, surgical, hospital, ambulance and medical fees and charges incurred outside of your home area.

[57] Hospitalization: €300 ↩

A daily benefit of €30 per complete 24-hour period spent as an in-patient in hospital or confined to accommodation on medical advice, up to a maximum of €300 per trip. No excess applies to this benefit.

€30 per day (up to the maximum of €300 ) for every complete 24 hour period you are in hospital or confined to your accommodation on the advice of a medical practitioner

[58] Outpatient treatment: €5,000,000 ↩

Outpatient treatment costs (including taxi fares to/from hospital for outpatient appointments and medication collection) are covered within the overall €5,000,000 medical emergency limit under Section 2.

The cost of taxi fares for your travel to or from hospital relating to your admission, discharge or attendance for outpatient treatment or appointments and/or for collection of medication prescribed for you.

[59] Medical evacuation: €5,000,000 ↩

Covers the cost of air transport or other suitable means, including qualified attendants, to repatriate the insured to their home in the Republic of Ireland if medically necessary, subject to prior authorisation from the Emergency Medical Assistance Service. Included within the €5,000,000 Section 2 limit.

With the prior authorisation of the Emergency Medical Assistance Service, the additional costs incurred in the use of air transport or other suitable means, including qualified attendants, to repatriate you to your home if it is medically necessary.

[60] Repatriation of remains: €5,000,000 ↩

If the insured person dies outside their home area, the cost of funeral expenses abroad plus the cost of returning ashes or the body to their home in the Republic of Ireland is covered within the €5,000,000 Section 2 limit.

If you die outside your home area the cost of funeral expenses abroad plus the cost of returning your ashes or your body to your home.

[61] Pre existing conditions: Conditional ↩

Pre-existing medical conditions are excluded by default. Cover may be obtained by contacting AXA Medical Screening on 01 299 4699 and receiving written acceptance. An additional premium may apply. Conditions must be declared within 14 days of purchase or before departure, whichever is sooner.

unless you have contacted AXA medical screening on 01 299 4699 and we have agreed in writing, to cover you. You have 14 days or up to departure, whichever is soonest, to declare conditions.

[62] Winter sports cover: Optional ↩

Winter sports cover is an optional paid upgrade (Section 6). When purchased it covers: accidental loss/theft/damage to own ski equipment up to €500 (€250 for hired equipment), ski equipment hire up to €150 (€15/day), unused ski pack up to €250, piste closure up to €300 (€20/day), lost lift pass up to €150, and avalanche/landslide delay costs up to €100. Winter sports activities are only covered if this option is shown on the policy schedule.

The accidental loss of, theft of or damage to your own ski equipment (reduced to €250 for hired ski equipment). Up to €500 (€250 for hired equipment)

[63] Adventure sports cover: Optional ↩

Many recreational sports and activities are covered as standard at no extra cost. Higher-risk activities (Category A and Category B) require an additional premium. Examples of Category B activities include paragliding, hang gliding, canyoning, quad biking, and tandem parachute jumps. Any activity not listed or purchased is not covered.

Any sports and activities not featured on your booking confirmation or insurance certificate or in the list above are not covered.

[64] Pregnancy complications: €5,000,000 ↩

Pregnancy complications (as specifically defined in the policy: including toxaemia, gestational hypertension, gestational diabetes, pre-eclampsia, ectopic pregnancy, molar pregnancy, post-partum haemorrhage, retained placenta membrane, placental abruption, hyperemesis gravidarum, placenta praevia, stillbirths, miscarriage, medically necessary Caesarean section, termination for medical reasons, and premature births more than 8 weeks early) are covered under Section 2 within the €5,000,000 medical emergency limit. Normal pregnancy and routine childbirth are explicitly excluded.

Pregnancy, without any accompanying pregnancy complication. This policy excludes any costs incurred as a result of normal pregnancy or childbirth.

[65] Medical expenses: €2,000,000 – €10,000,000 ↩

Section B Emergency Medical and Other Expenses limit varies by tier: Essential €2,000,000; Premier €10,000,000; Premier Plus €10,000,000; Backpacker €3,000,000. Covers emergency medical, surgical, hospital, ambulance and nursing fees incurred outside Ireland and the UK.

[66] Medical transport: €2,000,000 – €10,000,000 ↩

Ambulance transport and additional transport/accommodation expenses if it is medically necessary to stay beyond the scheduled return date are covered within the overall Section B limit, with no separate sub-cap stated.

[67] COVID-19 treatment: €2,000,000 – €10,000,000 ↩

COVID-19 diagnosis abroad is covered under the standard Section B Emergency Medical and Other Expenses limit; General Exclusion 20 excludes COVID claims under all other sections apart from Section B and cancellation/curtailment sub-sections 2 and 3. Section B.5 additionally provides up to €2,000 (per Trip, not per person) toward extended transport/accommodation costs following a positive COVID diagnosis abroad.

[68] Personal liability: €1,000,000 – €2,500,000 ↩

Section G Personal Liability limit varies by tier: Essential €1,000,000; Premier €2,000,000; Premier Plus €2,500,000 (source table shows '€2,500,00', interpreted as €2,500,000 consistent with the tier progression); Backpacker €2,000,000.

[69] Emergency dental: €200 – €300 ↩

Emergency dental treatment for immediate relief of pain (natural teeth only) is covered up to €200 (Essential) or €300 (Premier, Premier Plus, Backpacker), incurred outside Ireland and the UK.

[70] Search & rescue: See details ↩

No section of the policy handbook or IPID references search and rescue costs, and no general exclusion specifically names them either; availability is unclear from the verified sources.

[71] Legal assistance: €5,000 – €15,000 ↩

Section O Overseas Legal Expenses and Assistance limit varies by tier: Essential €5,000; Premier €10,000; Premier Plus €15,000; Backpacker €10,000. Where two or more insured persons are covered, the maximum payable for all such claims is double the amount shown. No claim is covered if the estimated compensation is less than €1,000, and claims within Ireland or the UK are excluded.

[72] Emergency medical treatment: €2,000,000 – €10,000,000 ↩

Emergency medical and surgical treatment abroad is covered within the Section B limit, which ranges from €2,000,000 (Essential) to €10,000,000 (Premier/Premier Plus), and €3,000,000 (Backpacker).

[73] Hospitalization: €2,000,000 – €10,000,000 ↩

Inpatient hospital fees are paid within the Section B Emergency Medical and Other Expenses limit (€2,000,000-€10,000,000 depending on tier). In addition, Section C Hospital Benefit pays a separate cash sum per day of hospitalisation abroad: Essential €150 (€15/day); Premier €150 (€20/day); Premier Plus €200 (€25/day); Backpacker €200 (€20/day).

[74] Outpatient treatment: €2,000,000 – €10,000,000 ↩

Outpatient medical treatment abroad is covered within the overall Section B limit (€2,000,000-€10,000,000 depending on tier). For simple outpatient treatment the insured pays and claims back afterwards.

[75] Medical evacuation: €2,000,000 – €10,000,000 ↩

With prior authorisation from the Emergency Assistance Service, additional costs of air transport or other suitable means (including qualified attendants) to repatriate the insured are covered within the overall Section B limit.

[76] Repatriation of remains: €4,000 ↩

In the event of death outside Ireland and the UK, reasonable additional funeral expenses abroad up to €4,000 are covered, plus the reasonable cost of conveying ashes home, or the additional cost of returning remains home; this figure is the same across all tiers.

[77] Pre existing conditions: €2,000,000 – €10,000,000 ↩

Cover for a declared medical condition is subject to the standard Section B limit but only applies if the condition has been declared to the Medical Screening Line (0818 286 537) and MAWDY has agreed in writing to cover it, potentially with an additional premium. One condition from the waived list requires no screening. Private health insurance holders with at least €55,000 of inpatient cover abroad, declared to the issuing agent, do not need to contact the screening line.

[78] Winter sports cover: €250 – €750 ↩

Winter Sports cover (Ski Equipment, Hire of Ski Equipment, Ski Pack, Piste Closure, Avalanche Closure) is available upon payment of an additional premium across all tiers, with sub-limits ranging from €250 up to €750 depending on the specific benefit and tier. Not covered under Sections B, C, D, G and R for winter sports activities unless the additional premium is paid. Only available to those aged 65 or under.

[79] Adventure sports cover: Optional ↩

Grade 1 activities are covered automatically at no additional charge on an incidental basis. Grades 2-4 activities require an additional premium (a 50%/100%/200% loading to cover all activities, or €30/€75/€100 per activity respectively) and carry an increased medical excess (€320 for Grade 2; €650 for Grades 3-4), a 50% reduction in the Personal Accident sum insured, and exclusion of Personal Liability cover.

[80] Pregnancy complications: €2,000,000 – €10,000,000 ↩

Cover applies only to defined 'Complications of Pregnancy and Childbirth' (e.g. toxaemia, ectopic pregnancy, pre-eclampsia, miscarriage, emergency Caesarean section) under the Section A cancellation/curtailment and Section B medical expenses limits. For cancellation, cover applies if the insured becomes pregnant after buying the policy and will be more than 32 weeks pregnant (24 weeks if expecting more than one baby) at the start of or during the trip, or is medically advised not to travel due to such complications.

[81] Medical expenses: €5,000,000 ↩

Covers reasonable costs medically necessary outside Ireland for hospital, ambulance, surgical or other diagnostic/remedial treatment prescribed by a doctor, including hospital stay charges, up to €5,000,000 per Person Insured. A €90 excess applies per person per claim (waived where a reduction was obtained using an EHIC in EU countries).

All reasonable costs that it is medically necessary to incur outside of Ireland for hospital, ambulance, surgical or other diagnostic or remedial treatment, given or prescribed by a Doctor, and including charges for staying in a hospital;

[82] Medical transport: Covered ↩

Emergency Repatriation Expenses (transfer to Ireland or transfer to the most suitable hospital in Ireland) are covered within the overall €5,000,000 Medical and Additional Expenses limit; no separate sub-limit is stated.

All reasonable costs that it is medically necessary for Chubb Assistance to incur to return You to Your home in Ireland; or to move You to the most suitable hospital in Ireland if it is medically necessary to do so.

[83] COVID-19 treatment: €3,000 ↩

The general communicable-disease exclusion explicitly does not apply to Medical Expenses and Repatriation Expenses claims, so Covid-19 medical treatment is covered within the €5,000,000 medical limit. Additional accommodation/transport costs of up to €3,000 are paid if a Person Insured is ordered to quarantine abroad by a treating doctor, subject to a positive test recognised by the Irish Government.

We will pay up to €3,000 for: A. Reasonable additional accommodation (room only) costs and transport costs...because the Person Insured specifically has been ordered to quarantine by a treating Doctor whilst at their destination.

[84] Personal liability: €2,500,000 ↩

Indemnifies a Person Insured against sums they are legally liable to pay as damages for accidental bodily injury or accidental loss/damage to material property arising out of the Holiday, up to €2,500,000, plus Costs and Expenses. Excludes wilful/malicious acts, use of vehicles/aircraft/watercraft/firearms, and liability to family members or employees.

We will indemnify a Person Insured against all sums which he or she is legally liable to pay as damages in respect of: i. Accidental bodily injury (including death illness or disease) to any person

[85] Emergency dental: €300 ↩

Covers medically necessary and reasonable emergency dental treatment for the relief of pain only, up to €300, while abroad.

All medically necessary and reasonable cost to provide emergency dental treatment for the relief of pain only up to €300, outside of Ireland.

[86] Search & rescue: See details ↩

No search and rescue benefit is referenced anywhere in the policy wording, IPID or benefits table.

[87] Legal assistance: €30,000 ↩

Covers legal expenses up to €30,000 to pursue a claim for damages/compensation against a third party who caused bodily injury or illness during a Holiday abroad. Claims must be reported within 24 months of the incident.

If during a Holiday a Person Insured sustains bodily injury or illness which is caused by a third party We will pay up to €30,000 to cover Legal Expenses arising out of Any One Claim.

[88] Emergency medical treatment: €5,000,000 ↩

Emergency medical treatment abroad is covered within the overall €5,000,000 Medical and Additional Expenses limit under Section 5 of the policy; a Person Insured must contact Chubb Assistance before incurring costs.

If a Person Insured is injured or becomes ill (including complications in pregnancy as diagnosed by a Doctor or specialist in obstetrics...) during a Holiday Abroad. We will pay: i. Medical Expenses

[89] Hospitalization: €400 ↩

In addition to actual hospital treatment costs paid under Medical Expenses (up to €5,000,000), a cash Hospital Benefit of €20 is paid for each full 24 hours as an in-patient, up to a maximum of €400 per Holiday.

We will pay a benefit of €20 for each full 24 hours he or she spends in hospital up to a maximum of €400 for each Holiday.

[90] Outpatient treatment: €5,000,000 ↩

Outpatient medical treatment abroad falls within the overall €5,000,000 Medical and Additional Expenses limit; no separate outpatient sub-limit is stated.

All reasonable costs that it is medically necessary to incur outside of Ireland for hospital, ambulance, surgical or other diagnostic or remedial treatment, given or prescribed by a Doctor

[91] Medical evacuation: Covered ↩

Chubb Assistance arranges and pays for emergency repatriation/evacuation (by scheduled transport, air or road ambulance) where medically necessary, within the overall €5,000,000 Medical and Additional Expenses limit.

If the Doctor appointed by Chubb Assistance believes treatment in Ireland is preferable, transfer will be arranged by regular scheduled transport services, or by air or road ambulance services if more urgent treatment and/or specialist care is required during the Holiday.

[92] Repatriation of remains: €10,000 ↩

If a Person Insured dies abroad, Chubb pays up to €10,000 for cremation or burial charges in the country of death, or to transport the body or ashes back to Ireland.

If You die abroad, We will pay up to €10,000: a. For cremation or burial charges in the country in which he or she died; or b. To transport his or her body or ashes back to Ireland.

[93] Pre existing conditions: Excluded ↩

No person insured may be receiving or on a waiting list for treatment, awaiting investigation/referral for any diagnosed or undiagnosed condition, or travelling against medical advice. Claims arising from a medical condition diagnosed before the Holiday was booked, where it could reasonably be expected to cause death, serious injury, sudden illness or a sudden deterioration in health, are excluded.

No person to be insured • is receiving or on a waiting list for treatment in a hospital or nursing home; • is waiting for investigation or referral, or the results of any investigation, medical treatment or surgical procedure, for any condition, whether diagnosed or undiagnosed

[94] Winter sports cover: €300 ↩

Available as a paid add-on (additional premium required and must be shown on the Policy Schedule), covering equipment hire, ski pack, piste closure and avalanche delay up to €300 in total, limited to 21 days per Period of Insurance and excluding competitive winter sports.

This Section is optional. It applies only if it is shown as insured on the Policy Schedule and the additional premium has been paid.

[95] Adventure sports cover: Covered ↩

A long list of recreational activities (e.g. scuba diving to 18m, jet skiing, hiking/trekking up to 1,000m without guides, cycling, horse riding, go-karting, motorcycling up to 125cc) is automatically covered at no extra cost on a non-competitive, recreational basis. Aerial pursuits, competitive sports and hazardous activities not on the list are excluded.

You are automatically covered when training for or participating in any of the leisure activities or sports listed in this section, on a recreational basis during Your Holiday

[96] Pregnancy complications: Conditional ↩

Complications in pregnancy, as diagnosed by a doctor or specialist in obstetrics, are covered within Medical and Additional Expenses (€5,000,000), but if travelling between 28 and 35 weeks pregnant a doctor's written confirmation of fitness to travel (dated no earlier than 5 days before outbound travel) is required. Claims are excluded if due to give birth within 12 weeks of the trip ending.

If a Person Insured is injured or becomes ill (including complications in pregnancy as diagnosed by a Doctor or specialist in obstetrics, provided that if You are travelling between 28 and 35 weeks pregnant You obtained written confirmation from a Doctor of Your fitness to travel no earlier than 5 days prior to the outbound travel date)

[97] Medical expenses: €60,000 ↩

Covers emergency medical expenses and fees, doctor-prescribed medication during the first assistance service, hospitalisation expenses, and urgent local ambulance journeys ordered by a doctor, up to €60,000 per person per claim under the Schengen Plus product.

Medical expenses incurred in the territorial limits: in the event of sudden illness or accidental bodily injury occurring during a covered trip while within the territorial limits, are covered: 1/ emergency medical expenses and fees; 2/ medication prescribed by a doctor or surgeon during the first assistance service provided; 3/ hospitalisation expenses; 4/ expenses for urgent local ambulance journeys ordered by a doctor. Cover is provided up to 60 000 € / person / claim.

[98] Medical transport: Unlimited ↩

Expenses for urgent local ambulance journeys ordered by a doctor are covered at actual cost, within the overall medical expenses cover.

Expenses for urgent local ambulance journeys ordered by a doctor.

[99] COVID-19 treatment: Excluded ↩

Epidemics and/or infectious diseases which appear suddenly and spread rapidly through the population are excluded from medical cover. A separate fixed compensation of €130 for Trip cancellation due to Covid-19 exists as a distinct, non-medical benefit under Schengen Plus.

Epidemics and/or infectious diseases which appear suddenly and spread rapidly through the population, as well as those caused by pollution and/or contamination of the atmosphere.

[100] Personal liability: Not established from the reviewed documents ↩

Not mentioned in any of the reviewed policy documents.

[101] Emergency dental: €100 ↩

Dental expenses considered an emergency are covered up to €100, excluding endodontic work, orthodontic work, cosmetic reconstructions, dentures, veneers and implants.

Dental expenses incurred in the territorial limits: dental expenses considered as an emergency up to 100 €.

[102] Search & rescue: Excluded ↩

Mountain, cave, sea or desert rescue is explicitly excluded from cover.

Adventure sports such as rafting, bungee jumping, hydro speed, gorge walking and similar. Mountain, cave, sea or desert rescue;

[103] Legal assistance: Not established from the reviewed documents ↩

Not mentioned in any of the reviewed policy documents.

[104] Emergency medical treatment: €60,000 ↩

Emergency medical expenses and fees are covered as part of the overall €60,000 per person per claim medical expenses limit; this is not a separate sub-limit.

Emergency medical expenses and fees. Medication prescribed by a doctor or surgeon during the first assistance service provided.

[105] Hospitalization: €60,000 ↩

Hospitalisation expenses, including transfer fees to the nearest hospital or clinic when the insured is untransportable, are covered within the same €60,000 per person per claim medical expenses limit.

Hospitalisation expenses. We shall organise and assume the costs of the transfer fees to the nearest hospital or clinic only in case of Sudden Illness or Accidental Bodily Injury requiring immediate medical advice, when you are deemed untransportable by decision of our doctors based on information provided by the local doctor.

[106] Outpatient treatment: €60,000 ↩

Emergency medical fees and urgent local ambulance journeys ordered by a doctor share the same €60,000 per person per claim medical expenses envelope; no separate outpatient sub-limit is stated.

Expenses for urgent local ambulance journeys ordered by a doctor.

[107] Medical evacuation: Unlimited ↩

The transfer of the insured to a better equipped or more specialised hospital near their usual place of residence, by air ambulance, helicopter ambulance, scheduled airline or scheduled train, is covered at actual cost with no stated monetary cap.

Where Our medical service authorises Your transfer to a better equipped or more specialised hospital near Your Usual Place of Residence We shall undertake the said transfer according to the seriousness of the condition, by means of: Air ambulance, Helicopter ambulance, Scheduled airline, Scheduled train.

[108] Repatriation of remains: Unlimited ↩

In the event of death during the trip, transport of the body from the coffining location to the place of interment/cremation (within 75km of the policyholder's legal address) is covered at actual cost; funeral ceremonies, autopsies and body presentation costs are excluded. A separate coffin cost sub-limit of €1,200 applies under Schengen Plus.

In any event, the transport destination must be within 75 kilometres of the Policyholder's legal address. We will exclusively cover the costs incurred by transport as well as the compulsory administrative procedures.

[109] Pre existing conditions: Excluded ↩

Any pre-existing medical conditions are excluded, applying equally to the presentation or deterioration of illness and/or injuries.

Any Pre-existing Medical Conditions. This applies equally to the presentation or deterioration of illness and/or injuries.

[110] Winter sports cover: Excluded ↩

Consequences derived from the performance of winter sport are explicitly excluded from cover.

The consequences derived from the performance of winter sport, competitive sport or motorsports (races or rallies), as well as the performance of these dangerous activities: boxing, weightlifting, wrestling, martial arts, mountaineering with access to glaciers, sledging, descent into water with breathing apparatus, caving and water-ski jumping;

[111] Adventure sports cover: Excluded ↩

Competitive sport, motorsports (races or rallies), airborne sports, and adventure sports such as rafting, bungee jumping, hydro speed and gorge walking are all explicitly excluded.

Airborne sports in general; Adventure sports such as rafting, bungee jumping, hydro speed, gorge walking and similar.

[112] Pregnancy complications: Conditional ↩

Before 16 weeks of pregnancy, only diagnosis of pregnancy and emergency treatment are covered (excluding voluntary termination); beyond 16 weeks, diagnosis, monitoring and treatment of pregnancy, including childbirth and newborn care, are not covered. Infertility investigations and treatments including IVF are also excluded.

The diagnosis, monitoring and treatment of pregnancy beyond 16 weeks of duration, including childbirth and care of the newborn, are not covered under this policy. Before 16 weeks duration only the diagnosis of pregnancy and emergency treatment are covered, excluding voluntary pregnancy termination.

[113] Medical expenses: €5,000,000 ↩

Covers reasonable costs medically necessary outside Ireland for hospital, ambulance, surgical or other diagnostic or remedial treatment prescribed by a doctor, including hospital stays, up to €5,000,000 per person. A €90 excess applies per person per claim, except where a reduction is obtained using a European Health Insurance Card in EU countries. Available under both the Holiday and Holiday Plus options; under Holiday Plus, cover for in-patient treatment begins only once the limit of the policyholder's private medical insurance has been exhausted.

2) Medical Expenses* - up to €5,000,000 (burial/body repatriation up to €10,000).

[114] Medical transport: €5,000,000 ↩

Chubb Assistance arranges transfer by regular scheduled transport, or by air or road ambulance if more urgent treatment or specialist care is required, as part of the overall Medical and Additional Expenses cover; no separate sub-limit is stated.

If the Doctor appointed by Chubb Assistance believes treatment in Ireland is preferable, transfer will be arranged by regular scheduled transport services, or by air or road ambulance services if more urgent treatment and/or specialist care is required during the Holiday.

[115] COVID-19 treatment: €5,000,000 ↩

Covid-19 claims are excluded under the policy's general exclusions except under the Medical Expenses and Repatriation section, which remains covered provided the insured is not travelling in, to or through any area allocated a security status of 'Avoid non-essential travel' or 'Do not travel' by the Department of Foreign Affairs. The policy also covers some Covid-19 related cancellation costs and quarantine-related expenses where the quarantine period extends past the return date.

This policy does cover some specific scenarios relating to Coronavirus (Covid-19),such as medical and repatriation expenses, some cancellation expenses, and certain expenses where trip is extended due to needing to quarantine past return departure date.

[116] Personal liability: €2,500,000 ↩

Indemnifies the insured person up to €2,500,000 for sums they become legally liable to pay as damages for accidental bodily injury or accidental loss of/damage to material property occurring during the Holiday. Wilful or malicious acts are excluded.

11) Personal Liability – up to €2,500,000.

[117] Emergency dental: €300 ↩

Reimburses medically necessary and reasonable costs of emergency dental treatment for the relief of pain only, up to €300, incurred outside Ireland during a Holiday.

Emergency Dental Treatment All medically necessary and reasonable cost to provide emergency dental treatment for the relief of pain only up to €300, outside of Ireland.

[118] Search & rescue: See details ↩

Not mentioned as a covered benefit in any of the reviewed FBD Holiday Travel Insurance policy documents.

[119] Legal assistance: €30,000 ↩

Covers legal expenses up to €30,000 if the insured sustains bodily injury or illness abroad caused by a third party, to pursue a claim for damages or compensation. Excludes claims reported more than 24 months after the incident and any criminal or wilful act.

12) Overseas Legal Advice & Expenses – up to €30,000.

[120] Emergency medical treatment: €5,000,000 ↩

Covers emergency injury or illness suffered abroad during a Holiday, within the overall €5,000,000 Medical and Additional Expenses limit. The insured person must contact Chubb Assistance immediately and before incurring any costs; contacting FBD first may delay treatment.

If a Person Insured is injured or becomes ill (including complications in pregnancy as diagnosed by a Doctor or specialist in obstetrics...) during a Holiday Abroad, We will pay:

[121] Hospitalization: €400 ↩

In addition to the €5,000,000 Medical Expenses limit, a cash benefit of €20 is paid for each full 24 hours a Person Insured spends as a hospital in-patient during a Holiday, up to a maximum of €400 per Holiday. No benefit is paid for time spent in an institution not recognised as a hospital in the country of treatment.

7) Hospital Benefit - €20 for each full 24 hours he or she spends in hospital up to a maximum of €400.

[122] Outpatient treatment: €5,000,000 ↩

Outpatient treatment is reimbursed as part of the overall €5,000,000 Medical and Additional Expenses limit; no separate outpatient sub-limit is stated in the policy documents.

Medical Expenses All reasonable costs that it is medically necessary to incur outside of Ireland for hospital, ambulance, surgical or other diagnostic or remedial treatment, given or prescribed by a Doctor, and including charges for staying in a hospital;

[123] Medical evacuation: €5,000,000 ↩

Covers all reasonable costs that are medically necessary for Chubb Assistance to arrange to return the insured person to their home in Ireland, or to move them to the most suitable hospital in Ireland, within the overall €5,000,000 Medical and Additional Expenses limit; repatriation must be authorised by Chubb Assistance and be necessary on medical grounds.

Emergency Repatriation Expenses All reasonable costs that it is medically necessary for Chubb Assistance to incur to return You to Your home in Ireland; or to move You to the most suitable hospital in Ireland if it is medically necessary to do so.

[124] Repatriation of remains: €10,000 ↩

If the insured person dies abroad, up to €10,000 is paid for cremation or burial charges in the country of death, or to transport the body or ashes back to Ireland.

2) Medical Expenses* - up to €5,000,000 (burial/body repatriation up to €10,000).

[125] Pre existing conditions: Excluded ↩

Excluded where a pre-existing medical condition or injury conflicts with the health declaration statements made at the time of purchase (e.g. receiving or awaiting hospital/nursing home treatment, awaiting investigation, referral or results, or travelling against medical advice). Cancellation, curtailment or rearrangement is also excluded where it results from a medical condition diagnosed before the policy was purchased that could reasonably have been expected to cause death, serious injury, sudden illness or sudden deterioration in health.

Any pre-existing medical condition or injury that conflicts with any statements on page 3 of the application process (the eligibility section).

[126] Winter sports cover: €300 ↩

Optional cover, available for an additional premium, for winter sports equipment hire, unused ski pass value, hire/tuition fees, and being unable to ski due to lack of snow, up to €300, limited to a maximum of 21 days winter sports cover in the period of insurance. Competitive winter sports are excluded.

Winter Sports Cover (max 21 days per period of insurance) - up to €300.

[127] Adventure sports cover: Excluded ↩

Excluded: aerial pursuits (e.g. ballooning, bungee-jumping, gliding, hang-gliding, parachuting, paragliding), mountaineering requiring ropes or guides, potholing, motorcycling over 125cc, competitive winter sports, racing (other than on foot), and scuba diving to depths exceeding 30 metres.

mountaineering requiring the use of ropes or guides; potholing; any organised sporting holiday or trip; travelling on a motorcycle/trike over 125cc; competitive Winter Sports including, but not limited to ski or ski bob racing, mono skiing, ski jumping, ski boarding, ice hockey, or the use of bobsleighs or skeletons; racing of any kind (except for racing on foot); scuba diving to depths in excess of 30 metres; and speed or endurance tests.

[128] Pregnancy complications: €5,000,000 ↩

Covered as part of Medical Expenses and Cancellation cover where diagnosed by a doctor or specialist in obstetrics, provided that if travelling between 28 and 35 weeks pregnant the insured obtained written confirmation of fitness to travel from a doctor no earlier than 5 days before the outbound travel date. Cover excludes any trip where the insured is due to give birth within 12 weeks of the trip's return date.

provided that if You are travelling between 28 and 35 weeks pregnant You obtained written confirmation from a Doctor of Your fitness to travel no earlier than 5 days prior to the outbound travel date

[129] Medical expenses: €3,000,000 – €10,000,000 ↩

Reasonable medical expenses abroad (doctor's fees, hospital expenses, inpatient/outpatient treatment, transportation to nearest hospital) are covered up to €3 million on Bronze and Silver, €6 million on Gold, and €10 million on Platinum.

[130] Medical transport: Covered ↩

Charges for medical transportation to the nearest suitable hospital abroad, where deemed necessary by a recognised Medical Practitioner, are covered within the overall Medical Expenses limit.

[131] COVID-19 treatment: €2,000 ↩

General COVID-19 claims are excluded except that, following a positive COVID-19 diagnosis abroad, reasonable additional economy-class transport and/or accommodation costs to extend the stay are covered up to €2,000 per trip (not per person).

[132] Personal liability: €500,000 – €2,000,000 ↩

Personal liability abroad is covered up to €500,000 on Bronze, €750,000 on Silver, and €2 million on Gold and Platinum.

[133] Emergency dental: €200 – €450 ↩

Emergency dental treatment for immediate pain relief or emergency repairs to dentures is not covered on Bronze; Silver provides up to €200; Gold and Platinum provide up to €450.

[134] Search & rescue: See details ↩

Not addressed as a distinct, separately-limited benefit in the policy wording.

[135] Legal assistance: €5,000 – €25,000 ↩

Legal costs and expenses in pursuit of compensation for death, illness or personal injury during the trip are advanced up to €5,000 on Bronze, €15,000 on Silver, €20,000 on Gold, and €25,000 on Platinum, plus telephone legal advice on any Trip or Home-related legal issue.

[136] Emergency medical treatment: Covered ↩

Doctor's fees, hospital expenses, and inpatient/outpatient treatment for the immediate needs of a medical emergency abroad are covered within the overall Section 2 Medical Expenses limit for the tier purchased.

[137] Hospitalization: €100 – €1,000 ↩

If admitted as an inpatient for more than 24 hours, a daily hospital benefit is paid: not available on Bronze; Silver €10 per 24 hours up to €100; Gold €25 per 24 hours up to €400; Platinum €40 per 24 hours up to €1,000.

[138] Outpatient treatment: Covered ↩

Inpatient and outpatient medical treatment abroad is covered within the overall Section 2 Medical Expenses limit, with no separate sub-limit stated.

[139] Medical evacuation: Covered ↩

If the Senior Medical Officer recommends repatriation to Ireland, the insurer organises and covers the additional travel costs, including a travelling companion's costs if medically necessary, within the overall Medical Expenses limit.

[140] Repatriation of remains: €1,250 – €2,000 ↩

Burial or cremation of a deceased Insured Person abroad, or repatriation of the body/ashes to Ireland, is covered up to €1,250 on Bronze and €2,000 on Silver, Gold and Platinum.

[141] Pre existing conditions: Conditional ↩

No claim arising from a pre-existing medical condition is covered unless the condition has been declared to and accepted in writing by the insurer prior to the trip and prior to each renewal; a medical screening line/online screening is available.

[142] Winter sports cover: €150 – €500 ↩

An optional add-on (extra premium required) not available on Bronze; covers inability to ski/ski hire, owned/hired equipment, piste closure and avalanche/landslide, with equipment limits of €200 (Silver), €300 (Gold) and €500 (Platinum), and other sub-benefits scaling similarly by tier.

[143] Adventure sports cover: Optional ↩

Over 100 activities are covered at no extra premium as standard; higher-risk activities (e.g. scuba diving beyond certain depths, skydiving, hang-gliding, rock climbing) require prior notification and an additional premium as listed in the Hazardous Activities table.

[144] Pregnancy complications: Conditional ↩

Cover applies only to specifically defined complications of pregnancy or childbirth (e.g. pre-eclampsia, ectopic pregnancy, miscarriage, emergency Caesarean); routine pregnancy or childbirth claims are excluded unless a doctor confirms a qualifying complication.

[145] Medical expenses: €5,000,000 ↩

Covers necessary and unforeseen emergency medical and associated expenses if the policyholder dies, is injured, has an accident or falls ill during the journey, including diagnosis with an epidemic or pandemic disease such as COVID-19. Irish Life Health covers in-patient emergency costs up to the amount set out in its own Table of Cover; Allianz Partners then covers any amount above €100,000, up to €5 million in total, and pays the full amount up to €5 million where the claim relates to a winter sports injury (which the Irish Life Health policy does not cover at all).

We will pay you or your Personal Representatives for necessary and unforeseen emergency expenses if you die, are injured, have an accident or are taken ill during your journey (including being diagnosed with an epidemic or pandemic disease such as COVID-19 as well as being subject to compulsory quarantine on the orders of a treating doctor).

[146] Medical transport: €5,000,000 ↩

Where the insurer's medical advisers determine it is in the policyholder's medical interest to be brought home or to a hospital/nursing home in the home country, transport is normally arranged by regular airline or road ambulance via the 24-hour emergency medical assistance service, forming part of the overall emergency medical and associated expenses limit of up to €5 million.

you will normally be transferred by regular airline or road ambulance.

[147] COVID-19 treatment: €5,000,000 ↩

Emergency medical and associated expenses cover extends to being diagnosed with an epidemic or pandemic disease such as COVID-19, as well as being subject to compulsory quarantine on the orders of a treating doctor, within the overall €5 million limit. Cancellation/curtailment cover also applies if the policyholder or a travelling companion is held in quarantine based on suspected exposure to a contagious disease including COVID-19.

including being diagnosed with an epidemic or pandemic disease such as COVID-19 as well as being subject to compulsory quarantine on the orders of a treating doctor

[148] Personal liability: €1,000,000 ↩

Covers up to €1 million, plus any other costs the insurer agrees to in writing, for bodily injury to any person, loss of or damage to property the policyholder does not own (and has not hired, loaned or borrowed), or loss of or damage to the accommodation used on the journey that does not belong to the policyholder or a relative. Subject to a €75 excess and exclusions including employment-related liability, use of firearms/weapons, animals, contractual liability, and use of motorised/mechanical vehicles, aircraft or watercraft.

We will pay up to €1 million plus any other costs we agree to in writing that relate to anything you cause during your journey for which you are legally liable and results in one of the following.

[149] Emergency dental: €5,000,000 ↩

The IPID summary of cover confirms that dental costs incurred as part of an emergency medical claim are covered, within the overall emergency medical and associated expenses limit of up to €5 million; no separate dental sub-limit is stated.

Emergency medical expenses - Up to €5 million for hospital fees, repatriation, in-patient benefit, funeral and dental costs incurred that exceed €100,000

[150] Search & rescue: €5,000,000 ↩

Under the winter sports section, emergency medical and associated expenses up to €5 million include mountain search and rescue service costs when deemed medically necessary.

These expenses include mountain search and rescue service costs when deemed medically necessary.

[151] Legal assistance: See details ↩

No standalone legal assistance/legal expenses benefit for the policyholder is described; the policy only reserves the insurer's own right to take legal action in the policyholder's name, at the insurer's expense, to recover payments it has made.

Take legal action in your name (but at our expense) and ask you to give us details and fill in any forms (including Department of Social and Family Affairs forms), which will help us to recover any payment we have made under this policy.

[152] Emergency medical treatment: €5,000,000 ↩

Emergency treatment costs incurred abroad are guaranteed via the 24-hour emergency medical assistance line, which contacts hospitals or doctors and guarantees payment of fees where there is a valid claim, forming part of the overall emergency medical and associated expenses limit of up to €5 million (above the €100,000 covered by the underlying Irish Life Health policy).

We will contact hospitals or doctors abroad and guarantee to pay their fees, providing you have a valid claim.

[153] Hospitalization: €5,000,000 ↩

In-patient hospital costs while on a pre-booked temporary stay abroad are covered up to a specified amount under the Irish Life Health Table of Cover, with Allianz Partners covering additional amounts above €100,000, up to €5 million in total.

Your Irish Life Health insurance policy provides cover (up to a specified amount) for your medical costs for inpatient emergency care in a medical facility whilst on a pre-booked temporary stay abroad.

[154] Outpatient treatment: See details ↩

The policy documents do not separately distinguish outpatient treatment from the general emergency medical and associated expenses benefit.

[155] Medical evacuation: €5,000,000 ↩

Where medically necessary in very serious or urgent cases, the insurer will use an air ambulance to transfer the policyholder home, after consulting the treating doctor and the insurer's own medical advisers; this forms part of the overall emergency medical and associated expenses limit of up to €5 million.

Where medically necessary in very serious or urgent cases, we will use an air ambulance.

[156] Repatriation of remains: €5,000,000 ↩

The IPID summary of cover confirms that funeral costs incurred following the policyholder's death abroad are covered within the overall emergency medical and associated expenses limit of up to €5 million.

Emergency medical expenses - Up to €5 million for hospital fees, repatriation, in-patient benefit, funeral and dental costs incurred that exceed €100,000

[157] Pre existing conditions: Conditional ↩

The conditions and exclusions relating to the policyholder's Irish Life Health Insurance policy also apply to this travel policy. Any medical claim that is not covered by the underlying Irish Life Health policy, including pre-existing conditions excluded under that policy, is excluded from this travel cover.

Any medical claim that is not covered by your Irish Life Health Insurance policy.

[158] Winter sports cover: €5,000,000 ↩

Under the current (08/24) policy wording, winter sports activities (skiing, snowboarding, big-foot skiing, cross-country skiing, glacier skiing, mono-skiing, sledging, snow blading and tobogganing, including off-piste skiing within a recognised resort's boundaries) are covered automatically for up to 31 days in total during the period of insurance, with no separate premium required. Cover includes emergency medical and associated expenses up to €5 million, ski pack up to €400, own ski equipment up to €650, hired ski equipment up to €300, delayed ski equipment up to €20/day (max €300), and avalanche closure up to €50/day (max €200). A prior policy edition (ref 4828TVL, 08/21) required the policyholder to call the insurer and pay an additional premium, shown on the policy schedule, before this section applied.

You are covered for taking part in the following winter sports activities for up to a maximum of 31 days during the period of insurance: Skiing, snowboarding, big-foot skiing, cross-country skiing, glacier skiing, mono-skiing, sledging, snow blading and tobogganing.

[159] Adventure sports cover: Conditional ↩

A defined list of sports and leisure activities is automatically covered (e.g. cycling, hiking, mountain biking, scuba diving up to 30 metres with a certificate or qualified instructor, surfing, water skiing, windsurfing, etc.). Any professional sporting activity, any kind of racing other than on foot, and any manual work are excluded. Activities not on the list are only covered if the insurer has confirmed cover for them in writing in advance.

archery, badminton, banana boating, baseball, basketball, bowls, cricket, curling, cycling, deep sea fishing, fell walking, fishing, glacier walking, golf, gymnastics... scuba diving to a depth of 30 metres (if you hold a certificate of proficiency or you are diving with a qualified instructor)

[160] Pregnancy complications: See details ↩

Pregnancy or pregnancy complications are not mentioned in any of the reviewed policy documents.

[161] Medical expenses: Covered ↩

Core travel insurance benefit covering emergency medical expenses incurred while travelling outside Ireland; customers with existing private health insurance covering medical expenses abroad can select the 'Medicare Extra' option instead.

Medical Expenses

[162] Medical transport: See details ↩

Not addressed as a distinct benefit in the available product materials.

[163] COVID-19 treatment: See details ↩

Not addressed as a distinct benefit in the available product materials.

[164] Personal liability: Covered ↩

Section H coverage for legal liability arising from injury or damage caused by the insured person, subject to restrictions for certain activities and sports.

Personal liability €500,000 €250 excess €2,000,000 €250 excess €2,000,000 No excess

[165] Emergency dental: See details ↩

Not addressed as a distinct benefit in the available product materials.

[166] Search & rescue: See details ↩

Not addressed as a distinct benefit in the available product materials.

[167] Legal assistance: Optional ↩

Legal expenses cover is available as an optional additional cover for an extra premium.

Legal expenses €5,000 €250 excess €25,000 €250 excess €50,000 No excess

[168] Emergency medical treatment: Covered ↩

Included as part of the core medical expenses cover for medical emergencies arising abroad; specific monetary limit not disclosed on the product page.

Medical & other expenses outside of Ireland €2,000,000 €100 excess €5,000,000 €100 excess Unlimited No excess

[169] Hospitalization: Conditional ↩

A daily hospital benefit allowance while hospitalised during a trip, included in the Premier cover tier.

Hospital benefit – €15 per day up to €2,000 €15 per day up to €3,000

[170] Outpatient treatment: See details ↩

Not addressed as a distinct benefit in the available product materials.

[171] Medical evacuation: See details ↩

Not addressed as a distinct benefit in the available product materials.

[172] Repatriation of remains: See details ↩

Not addressed as a distinct benefit in the available product materials.

[173] Pre existing conditions: Excluded ↩

Claims are excluded for medical problems that existed before cover started, applying to the insured person, anyone travelling with them, relatives, or business associates on whose health the trip depends.

[174] Winter sports cover: Optional ↩

Available as an optional additional cover for Premier or Premier Plus policyholders for an additional premium, covering winter sports activities for the duration of the trip.

[175] Adventure sports cover: Conditional ↩

Cover for certain sports and activities is available provided the traveller follows safety guidelines and uses recommended safety equipment, the activity is not the main purpose of the trip, and it is not part of a competition or tournament; sections G (Personal accident) and H (Personal liability) do not apply to certain higher-risk activities.

[176] Pregnancy complications: See details ↩

Not addressed as a distinct benefit in the available product materials.

[177] Medical expenses: €5,000,000 ↩

Section B1 covers necessary and reasonable costs from illness, injury or death during the trip, including emergency medical, surgical and hospital treatment and ambulance costs, up to an aggregate sum insured of €5,000,000, subject to a €90 excess per person per incident.

Emergency medical expenses and repatriation Sum insured: up to €5,000,000 outside the Republic of Ireland.

[178] Medical transport: Covered ↩

Ambulance costs and the cost of an earlier-than-planned return to the Republic of Ireland, if medically necessary and authorised by AIG Assistance Services, are covered within the overall Section B1 aggregate of €5,000,000; no separate sub-limit is stated.

The cost of your return to the Republic of Ireland earlier than planned if this is medically necessary and the Medical Emergency Assistance Company approve this.

[179] COVID-19 treatment: Not established from the reviewed documents ↩

No source document specifically addresses COVID-19 treatment cover.

[180] Personal liability: €2,000,000 ↩

Section I pays up to €2,000,000 if you are legally liable for accidentally injuring someone or damaging/losing someone else's property, subject to a €250 excess per person per incident. Does not apply to trips taken within the Republic of Ireland.

Personal Liability Sum insured: up to: €2,000,000

[181] Emergency dental: €300 ↩

Up to €300 for emergency dental treatment abroad, as long as it is for the immediate relief of pain only, within Section B1.

Up to €300 for emergency dental treatment as long as it is for the immediate relief of pain only.

[182] Search & rescue: Excluded ↩

Search and rescue costs charged by a government, regulated authority or private organisation connected with finding and rescuing an individual are excluded under Section B1 (this exclusion does not extend to medical evacuation costs by the most appropriate transport).

Any search and rescue costs (costs charged to you by a government, regulated authority or private organisation connected with finding and rescuing an individual. This does not include medical evacuation costs by the most appropriate transport).

[183] Legal assistance: €25,000 ↩

Section J pays up to €25,000 for legal costs and expenses arising from claims for compensation and damages resulting from your death, illness or injury during the trip, subject to a €250 excess per person per incident. Does not apply to trips taken within the Republic of Ireland.

Legal Expenses Sum insured: up to: €25,000

[184] Emergency medical treatment: Covered ↩

Emergency medical, surgical and hospital treatment and ambulance costs are covered within the overall Section B1 aggregate sum insured of up to €5,000,000; no separate sub-limit is stated.

B1 Medical and other expenses outside Republic of Ireland € 5,000,000 € 90

[185] Hospitalization: €2,000 ↩

Section B2 pays €15 for each complete 24-hour period spent as an inpatient abroad, up to a maximum of €2,000, for Single Trip / Annual Multi Trip policies; no excess applies. Not payable once you return to the Republic of Ireland.

B2 Hospital benefit €15 per day up to €2,000 Nil

[186] Outpatient treatment: Covered ↩

Outpatient treatment abroad is covered within the Section B1 aggregate of €5,000,000; AIG Assistance Services must be contacted immediately if outpatient treatment is likely to cost more than €700, otherwise cover may be refused or reduced.

If you go into hospital abroad and you are likely to be kept as an inpatient for more than 24 hours or if your outpatient treatment is likely to cost more than €700, someone must contact AIG Assistance Services for you immediately.

[187] Medical evacuation: Covered ↩

If you cannot return to the Republic of Ireland as originally planned and AIG Assistance Services approve, extra accommodation and travel expenses to return you (and, if medically necessary, an escort or a relative/friend) home are covered within the Section B1 aggregate of €5,000,000.

If you cannot return to the Republic of Ireland as you originally planned and the Medical Emergency Assistance Company approve this, we will pay for: Extra accommodation (room only) and travel expenses...

[188] Repatriation of remains: €7,000 ↩

Up to €7,000 for the cost of returning your body or ashes to the Republic of Ireland, or up to €3,000 for funeral and burial expenses in the country of death, if death occurs outside the Republic of Ireland.

Up to €7,000 for the cost of returning your body or ashes to the Republic of Ireland or up to €3,000 for the cost of the funeral and burial expenses in the country in which you die if this is outside the Republic of Ireland.

[189] Pre existing conditions: Excluded ↩

Claims relating to pre-existing medical conditions are excluded if you do not hold private medical insurance, and claims relating to pre-existing conditions not covered by your private medical insurance policy are also excluded if you do hold such cover; general exclusions also bar claims relating to any medical condition or illness known about before buying the insurance.

Claims relating to pre-existing medical conditionsif you do not hold private medical insurance. Claims relating to pre-existing medical conditionsthat are not covered by your private medical insurance policy if you hold such cover.

[190] Winter sports cover: Optional ↩

Available as an optional extra for an additional premium, for trips up to 17 consecutive days (Single Trip) or 17 days in total per year (Annual Multi Trip): winter sports equipment up to €500, equipment hire up to €25/day (max €200), lift pass up to €200, ski pack up to €200, piste closure up to €20/day (max €200), and avalanche cover up to €250.

Winter sports cover is only available if you pay the appropriate extra premium.

[191] Adventure sports cover: Conditional ↩

Named activities in List 1 and List 2 are covered provided safety guidelines are followed, the activity is not the main purpose of the trip, is not part of a competition, and is not undertaken professionally; List 2 activities (e.g. horse riding, hot-air ballooning, jet skiing, motorcycling over 50cc) are covered but excluded from Section H (Personal accident) and Section I (Personal liability).

Cover is provided for the activities named in the list below, however, no cover is available under Section H (Personal accident) and Section I (Personal liability):

[192] Pregnancy complications: Conditional ↩

Pregnancy-related medical costs are covered within Section B1 provided you are not more than 26 weeks pregnant at the start of or during the trip; becoming pregnant after buying the policy and being more than 26 weeks pregnant during the trip, or a doctor advising you unfit to travel due to pregnancy complications, can instead trigger cancellation cover under Section A.

Any costs relating to pregnancy, if you are more than 26 weeks pregnant at the start of or during your trip.

[193] Medical expenses: €2,000,000 – €10,000,000 ↩

Covers reasonable medical expenses abroad including doctor's fees, hospital expenses, inpatient/outpatient treatment and medical transportation. Limits: €2,000,000 (Bronze), €5,000,000 (Gold), €10,000,000 (Platinum).

Medical* €5million €95 €95 €95 €0 €10million €450 €2,000 €25 for every 24 hours up to €200 €0

[194] Medical transport: Covered ↩

Charges for medical transportation to the nearest suitable hospital abroad, where deemed necessary by a recognised Medical Practitioner, are covered within the overall Medical Expenses limit.

Included are doctor's fees, hospital expenses, inpatient and outpatient medical treatment and charges for medical transportation to the nearest suitable hospital abroad, where deemed necessary by a recognised Medical Practitioner.

[195] COVID-19 treatment: €2,000 ↩

In the event of a positive COVID-19 diagnosis abroad confirmed by PCR test or medical certificate, reasonable additional transport and/or accommodation expenses are covered up to €2,000 per trip (not per person); no cover applies within 14 days of purchase unless bought within 48 hours of booking, and COVID repatriation is not covered.

In the event of a positive diagnosis (confirmed by a PCR test or medical certificate from a Medical Practitioner) of COVID abroad, the Policy will cover reasonable additional transport (economy class) and/or accommodation expenses incurred, up to the standard of Your original booking if You must extend Your stay, up to the amount of €2,000.

[196] Personal liability: €1,000,000 – €2,000,000 ↩

Covers legal liability for accidental bodily injury/death or property damage to third parties during the trip: €1,000,000 (Bronze) or €2,000,000 (Gold/Platinum).

We will pay up to the maximum of the amount shown on Your Schedule of Cover under this Policy (including costs). This limit applies to any and all claimants in any one Period of Insurance affected by any and all occurrences with any one original cause.

[197] Emergency dental: €200 – €450 ↩

Covers emergency dental treatment for immediate relief of pain or emergency denture repairs: €200 (Bronze), €450 (Gold and Platinum).

Costs of providing emergency dental treatment for the immediate relief of pain and/or emergency repairs to dentures or artificial teeth carried out solely to alleviate distress in eating up to the amount shown on Your Schedule of Cover.

[198] Search & rescue: See details ↩

No dedicated search and rescue benefit is described in the policy documents.

[199] Legal assistance: €15,000 – €20,000 ↩

Provides telephone legal advice plus advances for legal costs pursuing compensation for death, illness or personal injury during the trip: €15,000 (Bronze) or €20,000 (Gold/Platinum).

We will provide telephone advice, guidance and assistance on any legal issue(s) that arises in connection with a Trip or in connection with Your Home.

[200] Emergency medical treatment: €2,000,000 – €10,000,000 ↩

Section 2 of the policy covers costs necessarily and reasonably incurred abroad following sudden bodily injury or illness, within the same overall Medical Expenses limit: €2,000,000 (Bronze), €5,000,000 (Gold), €10,000,000 (Platinum).

We will cover You under this Policy up to the amount shown on Your Schedule of Cover per Insured Person* who suffers a sudden and unforeseen Bodily Injury or Illness or dies during a Trip.

[201] Hospitalization: €150 – €200 ↩

Daily in-patient benefit if admitted to hospital for more than 24 hours: €15/24hrs up to €150 (Bronze), €20/24hrs up to €150 (Gold), €25/24hrs up to €200 (Platinum).

If, during Your Trip You are admitted as an in-patient to hospital for more than 24 hours, on the recommendation of a Medical Practitioner, We will pay a benefit of the amount shown on Your Schedule of Cover per day up to a maximum of the amount shown on Your Schedule of Cover.

[202] Outpatient treatment: Covered ↩

Outpatient medical treatment abroad is covered as part of the overall Medical Expenses benefit (Section 2); no separate sub-limit is stated.

Included are doctor's fees, hospital expenses, inpatient and outpatient medical treatment and charges for medical transportation to the nearest suitable hospital abroad, where deemed necessary by a recognised Medical Practitioner.

[203] Medical evacuation: Covered ↩

Additional travelling costs to repatriate the insured person home where recommended by the Senior Medical Officer, plus travel/accommodation for an accompanying person if medically necessary, are covered within the overall Medical Expenses limit.

Additional travelling costs to repatriate You Home where recommended by the Senior Medical Officer. We will pay the additional travelling and accommodation costs for one person to remain with You if it is medically necessary for You to stay beyond Your scheduled return date.

[204] Repatriation of remains: €2,000 ↩

Covers burial or cremation of a deceased insured person abroad, or repatriation of the body/ashes to Ireland, up to €2,000 across all tiers (Bronze, Gold, Platinum).

Expenses incurred up to the amount shown on Your Schedule of Cover for burial or cremation of a deceased Insured Person abroad or repatriation to Ireland of the deceased Insured Person's body or ashes.

[205] Pre existing conditions: Conditional ↩

Any Pre-Existing Medical Condition (as defined, covering the 2 years prior to cover commencement) is excluded from cover unless declared to and accepted in writing by the insurer before each trip or renewal.

No claim arising directly or indirectly from any Pre-Existing Medical Condition affecting You will be covered unless that condition has been declared to Us and accepted by Us in writing.

[206] Winter sports cover: €300 – €500 ↩

Optional Section 11 Winter Sports cover (extra premium) includes Inability to Ski/Ski Hire up to €300 (Bronze) or €500 (Gold/Platinum), plus equipment, piste closure and avalanche/landslide benefits.

11(a) Inability to Ski The cover includes financial loss You suffer concerning Irrecoverable deposits or payments You have made (or have contracted to pay) for Your ski pack that You cannot recover if you have to register a claim under Section 1 - Cancellation and Curtailment.

[207] Adventure sports cover: Conditional ↩

A defined list of activities (e.g. archery, canoeing, cycling, scuba diving under 30m) is covered at no extra premium; other listed activities (e.g. bungee jumping, skydiving, rock climbing) require prior notification and an additional premium; unlisted dangerous activities are otherwise excluded.

We will not cover any activity considered to be dangerous unless specifically agreed with Us or included in the list below. We will not cover any sport undertaken professionally.

[208] Pregnancy complications: Conditional ↩

Claims arising from pregnancy or childbirth are excluded unless a qualified Medical Practitioner confirms the claim arises from a defined 'Complication of Pregnancy or Childbirth' (e.g. pre-eclampsia, ectopic pregnancy, miscarriage, stillbirth, emergency Caesarean).

In this policy 'complications of pregnancy or childbirth' will only include the following: Toxaemia (toxins in the blood) ... Premature birth more than 8 Weeks (or 16 Weeks if You know You are having more than one baby) before the expected delivery date

[209] Medical expenses: Covered ↩

Basic cover pays up to €5,000,000 for emergency medical treatment abroad; Comprehensive cover is unlimited. Costs above €350 must be pre-authorised by Staysure Assistance except in genuine emergencies.

3a Emergency Medical & Repatriation Expenses €5,000,000 €129 Unlimited €99 Nil

[210] Medical transport: Covered ↩

Transportation to the nearest suitable hospital for an unforeseen medical emergency is included within the Section 3a Emergency Medical & Repatriation Expenses limit (€5,000,000 Basic / unlimited Comprehensive).

medical expenses (including transportation to the nearest suitable hospital) for the immediate needs of an unforeseen medical emergency

[211] COVID-19 treatment: — ↩

Where the Department of Foreign Affairs has not advised against travel, Section 13 extends Emergency Medical & Repatriation cover (same limits as Section 3a: €5,000,000 Basic / unlimited Comprehensive) to insured persons who test positive for COVID-19, plus a self-isolation benefit of €20 per 24-hour period up to €300, and extends Cancellation/Cutting Short Your Trip cover up to the Table of Benefits limits.

We will pay up to the amount shown in the table of benefits under section 3a Emergency Medical & Repatriation expenses for each insured person who contracts COVID-19

[212] Personal liability: €2,000,000 ↩

€2,000,000 cover is included as standard on Comprehensive policies; on Basic cover it is available only as an optional extra subject to an additional premium being paid and shown on the Validation certificate. No cover applies for trips taken solely within Ireland, and no liability cover applies if the insured uses any mechanically propelled vehicle.

We will pay up to €2,000,000, including costs under this policy. This limit applies to any and all claimants in any one period of cover

[213] Emergency dental: €250 – €400 ↩

Emergency dental treatment for immediate relief of pain, or emergency repairs to dentures/orthodontic appliances: up to €250 Basic / €400 Comprehensive. Replacement/repair of false teeth or dental work using precious metal is excluded.

up to €250 for Basic cover or €400 for Comprehensive cover in total for emergency dental treatment as long as it is for the immediate relief of pain only

[214] Search & rescue: Excluded ↩

The policy explicitly excludes any search and rescue costs (General Exclusion 24).

For any search and rescue costs.

[215] Legal assistance: See details ↩

No standalone legal expenses/legal assistance benefit is described in the policy wording or IPIDs; Section 8 Personal Liability only covers legal costs incurred in defending or contesting a liability claim, not general legal assistance.

[216] Emergency medical treatment: Covered ↩

Medical expenses for the immediate needs of an unforeseen medical emergency, when deemed necessary by a doctor and agreed by Staysure's medical officer: up to €5,000,000 Basic / unlimited Comprehensive.

medical expenses (including transportation to the nearest suitable hospital) for the immediate needs of an unforeseen medical emergency, when deemed necessary by a recognised doctor and agreed by our medical officer.

[217] Hospitalization: €1,000 ↩

Comprehensive cover only: €50 for each complete 24-hour period as an in-patient abroad, up to €1,000, if treated under a reciprocal health agreement such as EHIC. No cover is available under Basic cover.

We will pay you €50 per complete 24 hour period of in-patient treatment up to a maximum under this policy of €1,000 for a valid claim under Section 3a

[218] Outpatient treatment: Covered ↩

Outpatient treatment is covered within the overall Emergency Medical & Repatriation Expenses limit (€5,000,000 Basic / unlimited Comprehensive). Outpatient treatment likely to cost more than €350 must be authorised in advance by Staysure Assistance.

If your outpatient treatment is likely to cost more than €350 or you are admitted into hospital abroad, someone must call Staysure Assistance 24-hour medical emergency helpline as soon as possible.

[219] Medical evacuation: Covered ↩

Additional travelling costs to repatriate the insured person home when recommended by Staysure's medical officer, including the cost of a medical escort, are covered within the Section 3a limit (€5,000,000 Basic / unlimited Comprehensive).

additional travelling costs to repatriate you home when recommended by our medical officer. e. the cost of a medical escort if considered necessary by our medical officer.

[220] Repatriation of remains: €5,000 ↩

Up to €5,000 for the usual and customary burial or cremation of a deceased insured person abroad, or the cost of returning the insured person's body or ashes to Ireland; funeral costs must be authorised in advance by Staysure Assistance.

up to €5,000 for the usual and customary burial, or cremation of a deceased insured person should you die during a trip outside of Ireland; or the cost of returning an insured person's body or ashes to Ireland.

[221] Pre existing conditions: Conditional ↩

Pre-existing medical conditions are not covered unless declared in full at purchase or renewal and accepted by Staysure in writing; conditions that are undiagnosed, awaiting tests/surgery, or have received a terminal prognosis can never be covered.

Pre-existing medical conditions will not be covered unless they have ALL been declared, and accepted by us in writing.

[222] Winter sports cover: Optional ↩

Comprehensive policies only, for travellers aged 70 or under. Sub-limits: Winter Sport Equipment up to €500 (single article €300); Ski Pass up to €250; Equipment Hire €20/day up to €300; Ski Pack up to €250; Equipment Delay €20/day up to €300; Piste Closure €20/day up to €200; Avalanche/Landslide €20/day up to €160. Standard/included on Annual Multi-Trip Comprehensive policies (up to 2 trips, 21 days combined, under age 71); available as a paid add-on on Single Trip and Long Stay Comprehensive policies.

You must be 70 years of age, or under, and: For single trip policies – you have selected this option and paid the required additional premium for the period of cover.

[223] Adventure sports cover: Conditional ↩

Many sports and activities (e.g. golf, cycling, scuba diving to stated depths, jet skiing) are covered as standard on a non-professional, non-competitive basis. Activities marked with an asterisk exclude Personal Accident and Personal Liability cover. A list of high-risk activities (e.g. bungee jumping, big game hunting, mountaineering, skydiving, base jumping) is entirely excluded.

This policy will cover you when participating in any of the following activities on a non- professional, non-competitive basis;

[224] Pregnancy complications: — ↩

Only specifically defined complications (e.g. toxaemia, ectopic pregnancy, placental abruption, hyperemesis gravidarum, medically necessary emergency Caesarean section) are covered under the Emergency Medical & Repatriation limit (€5,000,000 Basic / unlimited Comprehensive); normal pregnancy and childbirth without complications is not covered.

Toxaemia, gestational hypertension, pre-eclampsia, ectopic pregnancy, hydatidiform mole (molar pregnancy), post-partum haemorrhage, retained placenta membrane, placental abruption, hyperemesis gravidarum

[225] Medical expenses: €10,000,000 ↩

Covers additional medical expenses up to €10,000,000 per person if you become ill or suffer an injury during your trip and need in-patient treatment, once your domestic Private Medical Insurance overseas cover (minimum €65,000) has been exhausted. Medical expenses incurred in Ireland are not covered.

Providing you have a valid claim, and you exceed your domestic Private Medical Insurance limits this section covers additional medical expenses, up to the sum insured, if during your trip abroad you become ill or suffer an injury and it is necessary to receive treatment from a medical practitioner as an inpatient. Medical expenses incurred in Ireland are not covered.

[226] Medical transport: Covered ↩

Covers the cost of an ambulance or the first taxi journey to a medical facility, telephone charges up to €50, and taxi fares to/from a medical facility for treatment or medication up to €50; the cost of medically appropriate transport to a hospital/clinic is separately capped at €200 in total under the Outpatient Expenses section.

3. The cost of services provided by an ambulance or the taxi fare for the first journey to a medical facility. 4. Telephone charges that you incur contacting us up to a maximum of €50. 5. Taxi fares, to and from a medical facility provided the reason for the journey is for you to receive medical treatment or collect prescribed medication up to €50.

[227] COVID-19 treatment: €10,000,000 ↩

COVID-19 illness is treated as any other illness under the €10,000,000 Emergency Medical Expenses limit, but the cost of COVID-19 tests is excluded except when the insurer is arranging your medical repatriation. Separately, Cancelling Your Trip and Cutting Short Your Trip cover apply where a medical practitioner certifies you (or specified others) too ill to travel, or hospitalised/deceased, following a positive COVID-19 diagnosis.

9. The cost of COVID-19 tests except where we are medically repatriating you.

[228] Personal liability: €2,000,000 ↩

Covers compensation you are legally liable to pay for accidental bodily injury or death, or accidental damage to property belonging to a third party, occurring during your trip, up to €2,000,000 in total for the policy (not per insured person), plus reasonable pre-agreed legal costs.

This section will cover you if during a trip you are involved in an accident which results in you becoming legally responsible to pay compensation for: Accidental bodily injury or death to a party other than an immediate relative or a travelling companion; and / or Accidental loss or damage to property, which is not owned by you, an immediate relative or a travelling companion.

[229] Emergency dental: €500 ↩

Emergency dental work for the relief of pain only is covered, but sits within the overall €500 Outpatient Expenses limit rather than as a separate additional sum insured.

5. Emergency dental work for the relief of pain only.

[230] Search & rescue: Excluded ↩

Search and rescue costs billed to you by a government, regulated authority or private organisation in connection with looking for and rescuing you are explicitly excluded under the Emergency Medical Expenses and Medical Repatriation section.

14. Search and rescue costs billed to you by a government, regulated authority or private organisation spent in connection with looking for and rescuing you.

[231] Legal assistance: €25,000 ↩

Pays reasonable and necessary legal costs, up to €25,000 (policy total), to undertake a civil action for damages if someone else causes you bodily injury or death while on a trip, provided you obtain the insurer's agreement to pursue the action before starting proceedings.

This section will cover legal costs up to the sum insured to undertake a civil action for damages if someone else causes you bodily Injury or death while you are on a trip. You must obtain our agreement to pursue the legal action if you are claiming under this section before you start proceedings.

[232] Emergency medical treatment: €10,000,000 ↩

Cover for treatment which cannot wait until you return home from an unexpected illness or injury abroad, up to the combined €10,000,000 Emergency Medical Expenses and Medical Repatriation limit, once domestic Private Medical Insurance overseas cover has been exhausted.

This policy is not private medical insurance; we cover treatment which cannot wait until you return home from your trip, with the aim of ensuring you are well enough to return to the Republic of Ireland, which may include cutting your trip short, or to continue your trip as planned.

[233] Hospitalization: €1,000 ↩

Pays a cash benefit of €25 for each full 24-hour period you are hospitalised as an in-patient, up to a maximum of €1,000, provided you have a covered claim under your private medical insurance policy.

This section pays a set monetary amount, for each full 24-hour period you are hospitalised as an in-patient, up to a maximum number of days, provided you have a covered medical claim under your private medical insurance policy.

[234] Outpatient treatment: €500 ↩

Covers out-patient emergency medical treatment expenses (e.g. GP visits, prescribed medication, radiology/pathology not eligible under your domestic Private Medical Insurance) incurred during a trip, up to €500 per person.

This section covers out-patient emergency medical treatment expenses, incurred during a trip, up to the sum insured for eligible expenses.

[235] Medical evacuation: €10,000,000 ↩

Included within the combined €10,000,000 Emergency Medical Expenses and Medical Repatriation limit: if you are not well enough to continue or return home as planned, the insurer arranges repatriation to Ireland or transfer to another medical facility using the means it considers most appropriate, once pre-authorised.

If as a result of an illness or injury occurring while you are on your trip, we decide it is appropriate for you to return to your home country or move you to a different location for medical treatment, we shall arrange for your repatriation or evacuation using the means we believe most appropriate based on the seriousness of your medical condition.

[236] Repatriation of remains: €10,000 ↩

In the event of death outside Ireland, covers either the cost of a funeral in the country of death or the cost of repatriating remains to Ireland, up to €10,000, with all arrangements made by the insurer; costs not authorised by the insurer are not covered.

In the event of your death outside of Ireland, this section will cover either the cost of a funeral in the country in which you died or the costs of bringing your remains back to your home country. We will make all the funeral or repatriation arrangements. Please note costs not authorised by us are not covered.

[237] Pre existing conditions: €10,000,000 ↩

Pre-existing/chronic medical conditions are automatically covered up to the full €10,000,000 medical expenses limit, provided the insured person is under 80 when cover starts and the condition is covered by their domestic Private Medical Insurance plan with adequate overseas cover. Conditions, and conditions indirectly linked to them, are excluded entirely for anyone aged 80 or over when cover starts.

This policy automatically provides cover for medical conditions you are already experiencing when you purchase this policy or have experienced in the past, (please see Eligibility section below for circumstances not covered) providing you are under 80 when your cover starts. If you are 80 or over when your cover starts, medical conditions you have experienced or are currently experiencing are not covered.

[238] Winter sports cover: Optional ↩

Available as a paid Winter Sports Upgrade: Ski Equipment and lost/stolen lift pass up to €750, Ski Hire up to €400 (€30 per 24 hours), Ski Pack up to €1,000, Piste Closure up to €600 (€50 per 24 hours), and Avalanche/landslide delay cover up to €600 (€50 per 24 hours).

Ski Equipment and lost or stolen lift pass €750 ... Ski hire €30 per 24 hours up to max €400 ... Ski Pack €1,000 ... Piste closure €50 per 24 hours up to max €600 ... Avalanche €50 per 24 hours up to max €600

[239] Adventure sports cover: Covered ↩

A wide range of sports and activities (e.g. archery, cycling, canoeing/rafting up to grade 4, go-karting, motorcycling/mopeds up to 125cc, tandem skydiving, sailing within 12 nautical miles of the coast) is automatically covered at no extra premium, provided recommended safety equipment and instructor guidance is followed. Personal Accident and Personal Liability cover is excluded for certain listed activities (e.g. bungee jumping, jet boating, riding animals), and there is no cover under any section (other than Cancellation) for higher-risk activities such as scuba diving below 30 metres, rock climbing, or motor racing.

This policy automatically provides cover for a wide range of sports and activities which you may participate in during your trip without the need to pay an additional premium, provided the activity is accessible to the general public and does not require specialist training or qualifications.

[240] Pregnancy complications: €10,000,000 ↩

Pregnancy and medical conditions arising from pregnancy are covered under the general medical expenses limit provided you will not be more than 28 weeks pregnant (24 weeks for multiple births) when your trip is due to start, and a medical practitioner or midwife confirms you are fit to travel.

Pregnancy or medical conditions arising from pregnancy are covered provided you will not be more than 28 weeks pregnant by the time your trip is due to start (or 24 weeks for multiple births) and a medical practitioner or midwife confirms that you are fit to travel.

[241] Medical expenses: €5,000,000 – €10,000,000 ↩

Coverage of up to €5,000,000 on the Standard Plan and €10,000,000 on the Explorer Plan for medical assistance, treatment, evacuation, and repatriation overseas

Our coverage includes up to €5,000,000 on the Standard Plan and €10,000,000 on the Explorer Plan for emergency medical treatment such as surgery, hospital charges, outpatient care, prescribed medicines, and even physiotherapy when required in a hospital setting (as specified in the policy wordings).

[242] Medical transport: €5,000,000 – €10,000,000 ↩

Transport to the nearest appropriate medical facility is included within the €5,000,000 (Standard) / €10,000,000 (Explorer) Emergency Medical Expenses limit, subject to pre-authorisation by the 24-hour Emergency Assistance Service

Emergency Medical Expenses Overseas: Coverage of up to €5,000,000 for medical assistance, treatment, evacuation, and repatriation.

[243] COVID-19 treatment: €5,000,000 – €10,000,000 ↩

Medical issues related to COVID-19 are covered under the Emergency Medical Expenses & Medical Repatriation section, with benefit limits varying between the Standard and Explorer Plans, provided COVID-19 is not a pre-existing medical condition

World Nomads offers benefits for medical issues related to Coronavirus (COVID-19) under the Emergency Medical Expenses & Medical Repatriation section; please note that benefit limits vary between our Standard and Explorer Plans.

[244] Personal liability: Covered ↩

Covered up to the limit shown on the Summary of Cover for legal liability for damages caused by an accident during the trip resulting in bodily injury to a third party or loss/damage to property not belonging to the insured; not covered while working

You are covered up to the limit as shown on the Summary of Cover, for legal expenses and legal liability for damages incurred by you which are caused by an accident that happened during the trip, and leads to claims made against you

[245] Emergency dental: Covered ↩

Emergency dental treatment overseas is covered where a dentist certifies in writing it is solely required for immediate relief of sudden and acute onset of pain, limited to the amount shown on the Summary of Cover (figure not publicly disclosed for Ireland)

We'll pay for emergency dental treatment overseas which the dentist certifies in writing is solely required for the immediate relief of sudden and acute onset of pain. Cover is limited to the amount shown in the Summary of Cover .

[246] Search & rescue: Excluded ↩

Search and rescue operations to find or rescue the insured (e.g. if lost at sea, hiking, sailing, or scuba diving) are explicitly listed among items not covered by the policy

Search and rescue expenses.

[247] Legal assistance: Covered ↩

Legal expenses incurred by the insured arising from an accident during the trip are covered up to the limit shown on the Summary of Cover, alongside the Personal Liability section

You are covered if you die, are ill or injured during your trip and you or your personal representative take legal action to claim damages or compensation for negligence against a third party we will do the following

[248] Emergency medical treatment: €5,000,000 – €10,000,000 ↩

Medical treatment such as surgery, hospital charges, outpatient care, prescribed medicines and physiotherapy is covered within the €5,000,000 (Standard) / €10,000,000 (Explorer) Emergency Medical Expenses limit

Our coverage includes up to €5,000,000 on the Standard Plan and €10,000,000 on the Explorer Plan for emergency medical treatment such as surgery, hospital charges, outpatient care, prescribed medicines, and even physiotherapy when required in a hospital setting (as specified in the policy wordings).

[249] Hospitalization: Covered ↩

Hospitalization as an in-patient is covered under the Emergency Medical Expenses section; the 24-hour Emergency Assistance Service must be notified immediately and will arrange direct payment of bills, subject to the overall medical expenses limit and no separately published sub-limit

If you are admitted to hospital as an in-patient or require on-going outpatient treatment overseas, the 24 hour Emergency Medical Assistance Service must be notified immediately.

[250] Outpatient treatment: Covered ↩

Ongoing outpatient treatment overseas requires immediate notification to the 24-hour Emergency Assistance Service; outpatient physiotherapy is limited to the amount shown on the Summary of Cover, which is not publicly disclosed

If you receive out-patient treatment (no hospital admission) and the costs are likely to exceed 625 you must refer to the 24 hour Emergency Medical Assistance Service for authorisation.

[251] Medical evacuation: €5,000,000 – €10,000,000 ↩

Emergency Medical Expenses Overseas cover up to €5,000,000 (Standard) / €10,000,000 (Explorer) includes evacuation, subject to the 24-hour Emergency Assistance Service deeming it medically necessary in consultation with the treating physician

Emergency Medical Expenses Overseas: Coverage of up to €10,000,000 for medical assistance, treatment, evacuation, and repatriation.

[252] Repatriation of remains: Covered ↩

In the event of death, the reasonable cost of conveyance of the body or ashes to Ireland is covered without a stated cap; as an alternative, local funeral expenses abroad (burial or cremation, excluding the cost of burial or cremation itself) are limited to €6,250

in the event of death, reasonable cost for the conveyance of the body or ashes to Ireland (the cost of burial or cremation is not included), or local funeral expenses abroad limited to 6,250 .

[253] Pre existing conditions: Excluded ↩

World Nomads does not cover claims or expenses arising from a customer's pre-existing medical conditions; customers are ultimately liable to pay for all expenses incurred as a result of a pre-existing medical condition

World Nomads do not cover claims or expenses arising from a customer's pre-existing medical conditions. Customers will ultimately be liable to pay for all expenses incurred as a result of a pre-existing medical condition, which can be prohibitive in some countries.

[254] Winter sports cover: Conditional ↩

Plans are designed to cover winter activities such as skiing and boarding within resorts (including off-piste on some plans), snowmobiling and ice skating, but all plans differ by country of residence and may require an upgrade for skiing or snowboarding cover to apply

Skiing and boarding within resorts, including off-piste ... It's important to note that all plans are different depending on your country of residence and may require an upgrade for cover to apply.

[255] Adventure sports cover: Conditional ↩

World Nomads covers more than 150 adventure sports and activities; activities marked 'blue' are automatically included in both Standard and Explorer plans, while other activities must be added at the time of purchase by paying an additional premium to upgrade the sporting level

Blue activities are automatically included in both the Standard and Explorer plans. All sports listed in orange will need to be added to your policy at the time of purchase.

[256] Pregnancy complications: Conditional ↩

Both Standard and Explorer policies may cover pregnancy or medical conditions related to pregnancy provided the traveller is not more than 28 weeks pregnant (24 weeks for multiples) at trip start and confirmed fit to travel; cover excludes routine costs and complications arising from accidental injury or unexpected illness, excluding the period from 12 weeks before to 12 weeks after the estimated delivery date; pre-existing pregnancy complications are not covered

Yes, both the Standard and Explorer policies may cover pregnancy or medical conditions related to pregnancy, provided you will not be more than 28 weeks pregnant at the time your trip is due to start (or 24 weeks for multiples births) and you have confirmation from a midwife or medical practitioner that you are fit to travel.