Aviva Travel insurance (Holiday Travel)

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.

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.

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.

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.

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.

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

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.

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.

The Chubb Holiday Travel policy wording contains no search and rescue benefit.

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.

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.

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. The Key Benefits table sets the maximum payable for this Section at €300 per Person Insured per claim, covering sub-benefits for Winter Sports Equipment Hire (up to €200), Ski Pack (up to €300), Piste Closure (up to €200) and Avalanche (up to €100). Competitive winter sports are excluded.

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).

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.

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.

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.