AIG Travel insurance (Standard Travel)

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.

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).

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).

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.

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.

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.

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.

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.

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.

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

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.

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.

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.

You can cancel your trip if you become pregnant after buying this insurance and will be more than 26 weeks pregnant during your trip, or if your doctor advises you are not fit to travel due to pregnancy complications. This is a cancellation trigger only; pregnancy-related medical costs are not covered once you are more than 26 weeks pregnant at the start of or during your trip.

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.

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.