AXA Travel Insurance Travel insurance (Travel Medical Single Trip)

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.

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.

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.

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.

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).

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.

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.

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.

Search and rescue is not covered.

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.

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.

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.

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.

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.

Personal liability is not covered.

Legal assistance is not covered.