AIG Europe S.A., Ireland Branch (trading as AIG Ireland)
AIG
AIG is a travel insurance for the Ireland market with no online purchase and 24/7 assistance.
Direct payment
AIG Assistance Services can guarantee payment of in-patient hospital, clinic, nursing home, emergency repatriation or curtailment expenses directly to the provider once contacted and authorisation is given during a medical emergency abroad; unauthorised claims may be refused or reduced.
Geographic scope
Cover is available for one of three geographical areas selected at purchase: Europe (the continent of Europe west of the Ural Mountains, its neighbouring islands, and non-European Mediterranean-bordering countries excluding Algeria, Lebanon, Libya, Israel and Jordan); Australia and New Zealand (worldwide excluding USA, Canada and the Caribbean); or Worldwide including USA, Canada and the Caribbean.
The policy is only available to individuals ordinarily resident in the Republic of Ireland for at least six of the last twelve months and is void for non-residents. Each trip must begin and end in the Republic of Ireland (unless a One-Way policy is purchased). No cover applies to loss, injury, damage or legal liability arising from planned or actual travel in, to, or through Cuba, Iran, Syria, North Korea, Crimea, or the Donetsk (DNR) or Luhansk (LNR) regions of Ukraine, or to any destination allocated an 'Avoid non-essential travel' or 'Do not travel' status by the Department of Foreign Affairs.
Unique selling points
- Premier Plus provides unlimited emergency medical expenses cover while travelling abroad, well above the €1m-€5m limits on the other tiers.
- Premier Plus policyholders pay no excess on any covered claim, and an excess waiver can be purchased on Budget or Premier policies to eliminate excesses that would otherwise apply.
- 24-hour, 365-day emergency medical assistance line (AIG Assistance Services) that can authorise and guarantee payment of hospital costs abroad.
- On Premier Plus, cancellation and curtailment claims are settled at the full invoice cost rather than being capped at a fixed sum insured.
- A wide range of optional add-ons (winter sports, business, golf, wedding and natural catastrophe cover) allow the policy to be tailored to the trip.
Coverage limits
Medical and other expenses outside the Republic of Ireland
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.
Emergency medical, surgical and hospital 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).
Hospitalisation costs and hospital cash benefit
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).
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.
Emergency dental treatment
€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.
Ambulance and medical transport costs
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 repatriation to the Republic of Ireland
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.
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.
Search and rescue costs
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.
COVID-19 treatment
No limit stated
No specific COVID-19 medical treatment benefit or exclusion is mentioned in the policy wording.
Pre-existing medical 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.
Winter sports cover
Optional
Only in Budget, Premier, Premier Plus
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.
Sports and activities 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.
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.
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.
Legal expenses
€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.
24/7 emergency medical assistance
Covered
AIG Assistance Services (the Medical Emergency Assistance Company) provides a 24-hour emergency service, 365 days a year, for illness, injury or death abroad, reachable on +44 (0) 1273 723 146 / uk.assistance@aig.com.
Key conditions
Assistance call deadline
AIG Assistance Services must be contacted immediately if admitted to hospital as an in-patient likely to exceed 24 hours, if outpatient treatment is likely to cost more than €700, or before cutting short a trip or arranging early return; unauthorised claims may not be paid in full.
Unauthorized treatment
If AIG Assistance Services are not contacted for required authorisations (in-patient stays over 24 hours, outpatient treatment over €700, early return/curtailment), AIG may provide no cover or reduce the amount paid.
Purchase while abroad
Cover cannot start after the insured has left the Republic of Ireland; each trip must begin (and, unless a One-Way policy, end) in Ireland, so the policy cannot be purchased once already travelling.
Chronic conditions
Claims relating to a medical condition, illness or death related to a medical condition known about before taking out the policy are excluded as a pre-existing condition; diagnosed psychological or psychiatric disorders, anxiety or depression are separately excluded under General Exclusion 3.
Pregnancy
Cover applies to pregnancy-related cancellation/medical claims only up to 26 weeks pregnant during the trip, or where a doctor certifies unfitness to travel due to pregnancy complications arising after the policy was arranged; costs after 26 weeks are excluded.
Pre-existing condition exclusions
No cover is provided for medical conditions, illnesses or related deaths known about before the insurance was purchased, for travelling against medical advice, for travelling to receive treatment abroad, or where hospital investigation/treatment for an undiagnosed condition is pending or a terminal prognosis has been given.
Coverage duration limit
Single Trip: up to 120 consecutive days. Annual Multi-Trip: unlimited trips provided no single trip exceeds 31 days (Budget), 45 days (Premier) or 60 days (Premier Plus); winter sports covered up to 17 days per year. Extended Stay: one trip of up to 12 consecutive months.
Policy specifics
Medical Expenses Coverage
Up to €5,000,000 in medical expenses with 24/7 emergency assistance that guarantees medical charges in case of medical emergency
SourceTrip Cancellation Cover
Coverage for loss of travel and accommodation expenses if cancellation required for specified reasons, up to €5,000
SourceBaggage and Personal Items Cover
Up to €2,000 for lost/damaged baggage, with limitations on valuables (€250 maximum per item for Budget/Extended Stay, €100 for other levels)
SourcePre-existing Medical Conditions Exclusion
Insurance does not cover pre-existing medical conditions - defined as injury, sickness, disease, illness or other medical condition you knew about or should have known about before purchasing
SourceEmergency Assistance Notification Requirement
Must contact AIG Assistance Services within 48 hours in event of medical emergency for authorization of in-patient hospital, clinic, nursing home expenses, emergency repatriation or curtailment
SourceGeographical Exclusions
No cover for travel to or through Cuba, Iran, Syria, North Korea, Crimea, or Donetsk regions, or countries where Department of Foreign Affairs allocates security status of avoid non-essential travel or do not travel
SourceTrip Duration Limits by Product Level
Budget Insurance: max 31 days per trip; Premier Insurance: max 45 days per trip; Premier Plus Insurance: max 60 days per trip
SourceAge Restrictions
Website unable to provide quotes to persons aged 79 and over; special rates and conditions apply for this age group; children under 16 receive reduced death benefit (€7,000)
SourceProduct Discontinuation Notice
AIG ceasing sale of new travel insurance policies via Direct Channels effective August 1, 2026; ceasing renewal of Annual Multi-Trip policies for direct customers effective September 1, 2026
Source