Aviva
Aviva is a travel insurance for the IE market with online purchase and 24/7 assistance.
Direct payment
If a Person Insured is admitted to hospital abroad, Chubb Assistance will contact the hospital or attending doctor and guarantee payment of their fees up to the policy limit, so that the Person Insured does not have to pay from their own funds. For all other claims, reimbursement is made after the fact upon submission of receipts and documentation.
Geographic scope
IE
Europe (including Russia west of the Urals, Turkey, Morocco, Tunisia); Worldwide excluding USA/Canada/Caribbean; Worldwide including USA/Canada/Caribbean (excluding Cuba). Cover applies to holidays Abroad (outside Ireland). Single-trip holidays must begin and end in the Republic of Ireland.
Unique selling points
- Exceptionally high medical expenses limit of €5,000,000 per person provides substantial protection for serious illness or injury abroad, including in high-cost destinations such as the USA.
- COVID-19 medical, repatriation, and cancellation cover is included as standard at no extra cost, with quarantine accommodation expenses also covered when ordered by a treating doctor.
- Chubb Assistance provides 24/7 dedicated emergency medical and personal assistance worldwide, including direct hospital bill payment so the insured does not need to fund costs upfront.
- Comprehensive personal liability cover of €2,500,000 and overseas legal expenses cover of €30,000 are included as standard benefits within the base policy.
- A 14-day 'no quibble' cancellation period allows customers to cancel the policy for a full premium refund if their travel plans change before departure, provided no claim has been made.
Coverage limits
Medical and Additional Expenses
Covered
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, including charges for staying in a hospital. Cover applies only to Holidays Abroad. The Person Insured must contact Chubb Assistance before incurring any costs. An excess of €90 per person per claim applies.
Emergency Medical Treatment
Covered
All reasonable costs medically necessary outside Ireland for emergency hospital, ambulance, surgical or other diagnostic or remedial treatment prescribed by a Doctor. Part of the overall Medical and Additional Expenses section limit of €5,000,000 per Person Insured. Chubb Assistance must be contacted immediately before costs are incurred.
Hospitalisation
Covered
Charges for staying in a hospital abroad are covered under the Medical and Additional Expenses section, within the overall €5,000,000 limit per Person Insured. Additionally, a separate Hospital Benefit of €20 per full 24-hour period (maximum €400 per holiday) is payable while a Person Insured is an in-patient abroad.
Outpatient Treatment
Covered
Outpatient diagnostic and remedial treatment given or prescribed by a Doctor outside Ireland is included within the overall Medical and Additional Expenses section limit of €5,000,000. This covers consultation fees, diagnostic tests and other medically necessary outpatient treatment. Treatment not confirmed as medically necessary is excluded.
Emergency Dental Treatment
Covered
All medically necessary and reasonable costs to provide emergency dental treatment for the relief of pain only, up to €300 outside of Ireland. Dental expenses other than for the relief of pain are excluded. No excess applies to this sub-limit.
Medical Transport and Repatriation
Covered
All reasonable costs medically necessary for Chubb Assistance to return the Person Insured to their home in Ireland, or to move them to the most suitable hospital in Ireland. Transfer is arranged by regular scheduled transport services, or by air or road ambulance if more urgent treatment or specialist care is required. Included within the overall €5,000,000 Medical and Additional Expenses limit. Additional travelling expenses not authorised by Chubb Assistance are excluded.
Medical Evacuation
Covered
If the Chubb Assistance doctor believes treatment in Ireland is preferable, transfer is 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. Covered under the overall Medical and Additional Expenses section limit of €5,000,000. Any additional travel and hotel expenses must be authorised in advance by Chubb Assistance.
Repatriation of Remains / Cremation or Burial Abroad
Covered
If a Person Insured dies abroad, the policy pays up to €10,000 for: (a) cremation or burial charges in the country in which they died; or (b) transportation of their body or ashes back to Ireland. Cremation or burial costs in Ireland are excluded.
Search and Rescue
Excluded
Search and rescue costs are not explicitly covered or mentioned as a standalone benefit in this policy. The policy does not include a dedicated search and rescue section.
COVID-19 Medical and Repatriation Cover
Covered
Overseas medical and repatriation expenses resulting from COVID-19 are covered within the standard Medical and Additional Expenses limit of €5,000,000, provided the insured is not travelling to areas where the Department of Foreign Affairs (DFA) allocates a security status of 'Avoid non-essential travel' or 'Do not travel'. Additional accommodation (room only) and return travel costs are also covered if the Person Insured is ordered to quarantine on holiday by a treating Doctor and the quarantine period extends past the original return date. Communicable disease restrictions imposed by governments or travel providers are excluded from the general communicable disease exclusion, but this exclusion explicitly does not apply to Medical Expenses and Repatriation claims.
Pre-existing Medical Conditions
Conditional
Pre-existing medical conditions are subject to a Health Declaration at the time of purchase. Cover is excluded for: any pre-existing medical condition or injury that conflicts with the eligibility statements on the application; any person receiving or on a waiting list for treatment in a hospital or nursing home; any person waiting for investigation or the results of any medical treatment or surgical procedure for any condition (whether diagnosed or undiagnosed); any person choosing not to take prescribed medication; or any person travelling against the advice of a medically qualified doctor. Cancellation or curtailment due to an immediate family member or travelling companion becoming ill due to a pre-existing medical condition is also excluded. If the health declaration can be satisfied, emergency medical cover applies in the normal way.
Winter Sports Cover (Optional)
Optional
Optional additional cover for winter sports (skiing including off-piste, snowboarding, tobogganing, outdoor ice-skating; competitive winter sports excluded). Must be selected at the time of purchase and shown on the Policy Schedule. Maximum 21 days per period of insurance. Covers: equipment hire (up to €20 per 24 hours, max €200); unused ski pass, hire or tuition fees (up to €75 per week, max €300); piste closure benefit (€20 per 24 hours, max €200); avalanche delay costs (up to €100). Separate from personal property cover for ski equipment.
Adventure / Hazardous Sports Cover
Excluded
Hazardous activities are excluded under the General Exclusions. Excluded activities include: 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; racing of any kind (except on foot); scuba diving to depths in excess of 30 metres; speed or endurance tests; and aerial pursuits (ballooning, bungee-jumping, gliding, hang-gliding, microlighting, parachuting, paragliding, parascending). No optional adventure sports extension is available under this product.
Pregnancy Complications
Conditional
Complications in pregnancy as diagnosed by a Doctor or specialist in obstetrics are covered under the Medical and Additional Expenses section (up to €5,000,000) and may also trigger Cancellation/Curtailment cover. If travelling between 28 and 35 weeks pregnant, written confirmation from a Doctor of fitness to travel obtained no earlier than 5 days prior to the outbound travel date is required. Persons due to give birth within 12 weeks of the date the trip ends are excluded under the Health Declaration and cannot be insured.
Personal Liability
Covered
Covers all sums which a Person Insured is legally liable to pay as damages in respect of: (i) accidental bodily injury (including death, illness or disease) to any person; (ii) accidental loss of or damage to material property; occurring during the Period of Insurance arising out of the Holiday. Maximum liability €2,500,000 per occurrence. Wilful or malicious acts, liability arising from use of mechanically propelled vehicles, aircraft, watercraft, and liability connected with trade/business are excluded. No excess applies.
Overseas Legal Advice and Expenses
Covered
If during a Holiday a Person Insured sustains bodily injury or illness caused by a third party, the policy pays up to €30,000 to cover legal expenses arising out of any one claim. Cover applies only to Holidays Abroad. Claims must be reported within 24 months of the beginning of the incident. Expenses related to criminal or wilful acts, defence of civil claims, or claims against tour operators/carriers eligible under an arbitration scheme are excluded. No excess applies.
24/7 Chubb Assistance (Medical Emergency and Personal Assistance Services)
Covered
Chubb Assistance provides round-the-clock medical emergency, referral, and personal assistance services to Persons Insured on Holiday Abroad. Services include: medical referral (names of local doctors, hospitals, clinics, dentists); repatriation arrangements; payment of hospital bills up to the policy limit; drug replacement; transmission of urgent messages; organisation of escort for unsupervised children; emergency funds transfer (up to €250 per trip); message relay; tracing of personal property; replacement travel documents assistance; lost credit card advice; emergency translation; and legal help referral. Contact: +353 (0)1 440 1762.
Key conditions
Assistance call deadline
The Person Insured must contact Chubb Assistance (+353 (0)1 440 1762) immediately before incurring any costs under the Medical and Additional Expenses section, or as soon as is feasible if involved in a medical emergency such as an accident or cardiac situation. Failure to do so may result in the claim being rejected or payment reduced. For all other claims, notification must be made within 30 days of the incident.
Unauthorized treatment
If the Person Insured incurs medical costs without first contacting Chubb Assistance (except in a genuine emergency), the insurer may reject the claim or reduce the payment. Additional travel and hotel expenses not authorised in advance by Chubb Assistance are not covered. Any expenses incurred following the Person Insured's decision not to move hospital or return to Ireland after the date when Chubb Assistance recommends they do so are also excluded.
Purchase while abroad
This policy is available for purchase before departure and must be purchased prior to travel commencing. There is no provision in the policy documents for purchasing cover after the trip has begun. Cancellation cover under Section 1 starts from the date the policy is purchased for Single Trip policies.
Chronic conditions
Chronic or pre-existing conditions that conflict with the Health Declaration at Section 1.8 are excluded. Specifically, no cover is provided if a Person Insured is receiving or on a waiting list for treatment in a hospital or nursing home; is waiting for the results of any investigation, medical treatment or surgical procedure for any condition; or is choosing not to take prescribed medication or the correct dose. Medication taken before and continued during the holiday is also excluded from the medical expenses section.
Pregnancy
Complications in pregnancy diagnosed by a Doctor or specialist in obstetrics are covered. Persons due to give birth within 12 weeks of the date the trip ends are ineligible and cannot be insured under the Health Declaration. Persons travelling between 28 and 35 weeks pregnant must obtain written confirmation from a Doctor of their fitness to travel no earlier than 5 days before the outbound travel date.
pre_existing_conditions
All pre-existing medical conditions must be compatible with the Health Declaration statements confirmed at the time of application. The policy excludes cover for any pre-existing medical condition or injury that conflicts with any statements in the eligibility section (application page 3). Cancellation or curtailment resulting from a pre-existing condition affecting the insured, travelling companions, or immediate family is also excluded where the condition was diagnosed before the holiday was booked and could reasonably have been expected to result in a claim. Non-disclosure may lead to refusal of claims or policy cancellation.
coverage_duration_limit
Single Trip policies cover one holiday abroad for a maximum of 30 consecutive days (per the IPID; the policy document Key Benefits table confirms the maximum duration of any one trip is 30 days). If the holiday is 7 nights, 8 days of cover is needed; 14 nights requires 15 days. Cover ceases when the Person Insured arrives at their return destination in Ireland, or at the end of the trip duration shown on the Policy Schedule, whichever is sooner. If the return is unavoidably delayed due to a claim, cover continues without additional premium for the period of delay.
Policy specifics
Trip Cancellation Cover
Coverage for unused accommodation and travel costs if trip is cancelled due to qualifying reasons before departure. For Single Trip policies, cancellation cover begins from date of policy purchase.
Travel Delay Coverage
Coverage for additional accommodation and travel costs if journey is delayed beyond specified hours. Applies to travel delays not covered for holidays within Ireland.
Personal Property and Baggage Cover
Coverage for loss, damage, or theft of personal belongings during travel. Personal property must be in possession or locked away; unattended items are not covered.
Winter Sports Cover (Optional)
Optional additional cover for winter sports activities including skiing, snowboarding, outdoor ice-skating, and tobogganing. Must be selected at time of purchase.
Car Hire Excess Cover (Optional)
Optional cover to reimburse car rental excess for damage to hired vehicle. Available from €2.39 per day or €39.99 per year for single/annual European policies.
COVID-19 Medical and Cancellation Coverage
Specific COVID-19 medical expenses and cancellation cover included as standard. Covers overseas medical and repatriation expenses and quarantine accommodation costs if travel area meets DFA safe country criteria.
Residency Requirement
All persons insured must be permanently resident in Ireland for a minimum of 180 days per calendar year. Available for single trips for leisure, study, and/or incidental work that begin and end in the Republic of Ireland.
Pre-existing Medical Conditions Declaration
All pre-existing medical conditions must be declared at time of purchase. Failure to disclose may result in claim denial or policy cancellation. Change in health after purchase must be reported immediately.
Trip Duration Limit
Single Trip policies cover one holiday of up to 30 consecutive days. Trips lasting longer than 30 days are not covered under the Single variant.
Geographical Coverage Selection
Insured persons must select coverage area at time of purchase from: Europe (including Russia west of Urals, Turkey, Morocco, Tunisia), Worldwide excluding USA/Canada/Caribbean, or Worldwide including USA/Canada/Caribbean (excluding Cuba).
Excess (Deductible) Per Claim Section
An excess applies per person per section for most claim types. Standard excess is €90 per claim section. Only one excess applies if claim involves multiple sections.
Cooling-Off and Cancellation Period
14-day 'no quibble' cancellation period from purchase date. Full refund available if policy not yet travelled and no claim reported.
Unattended Personal Property Exclusion
Personal property not in full view or positioned where insured person cannot prevent unauthorised taking is not covered, unless locked away.
Department of Foreign Affairs Travel Advisory Condition
Medical and repatriation expenses are only covered if insured person is not travelling to areas where the Irish Department of Foreign Affairs (DFA) allocates a security status of 'Avoid non-essential travel' or 'Do not travel'.