Chubb Travel insurance (Holiday Travel)
Underwritten by Chubb European Group SE · Ireland
travel insurance from Chubb for the Ireland market, with online purchase and 24/7 assistance.
Verified Aug 31, 2026 · Terms dated 2025-06Sources
Key facts
- Personal liability up to €2,500,000
Unique selling points
Emergency medical expenses and repatriation are covered up to €5,000,000 per person.
Chubb Assistance guarantees direct payment of overseas hospital and doctor bills up to the policy limit, so customers do not have to pay upfront from their own funds.
Customers with existing private medical insurance can select the Healthcover Plus option, which tops up PMI cover to €5,000,000 for medical expenses abroad while reducing the travel insurance premium.
Policies can be quoted and purchased entirely online in minutes via ie.chubbinsured.com.
A 24/7 Chubb Assistance emergency medical, referral and repatriation service is available by phone while customers are travelling abroad.
Coverage limits
Medical and Additional Expenses
€5M
Covers reasonable costs medically necessary outside Ireland for hospital, ambulance, surgical or other diagnostic/remedial treatment prescribed by a doctor, including hospital stay charges, up to €5,000,000 per Person Insured. A €90 excess applies per person per claim (waived where a reduction was obtained using an EHIC in EU countries).
Section: Part III > SECTION 5. Medical and Additional Expenses
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, and including charges for staying in a hospital;
Emergency Medical Treatment
€5M
Emergency medical treatment abroad is covered within the overall €5,000,000 Medical and Additional Expenses limit under Section 5 of the policy; a Person Insured must contact Chubb Assistance before incurring costs.
Section: Part III > SECTION 5. Medical and Additional Expenses
If a Person Insured is injured or becomes ill (including complications in pregnancy as diagnosed by a Doctor or specialist in obstetrics...) during a Holiday Abroad. We will pay: i. Medical Expenses
Hospital Benefit (cash allowance)
€400
In addition to actual hospital treatment costs paid under Medical Expenses (up to €5,000,000), a cash Hospital Benefit of €20 is paid for each full 24 hours as an in-patient, up to a maximum of €400 per Holiday.
Section: Part III > SECTION 6. Hospital Benefit
We will pay a benefit of €20 for each full 24 hours he or she spends in hospital up to a maximum of €400 for each Holiday.
Outpatient Treatment
€5M
Outpatient medical treatment abroad falls within the overall €5,000,000 Medical and Additional Expenses limit; no separate outpatient sub-limit is stated.
Section: Part III > SECTION 5. Medical and Additional Expenses
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
Emergency Dental Treatment
€300
Covers medically necessary and reasonable emergency dental treatment for the relief of pain only, up to €300, while abroad.
Section: Part III > SECTION 5. Medical and Additional Expenses
All medically necessary and reasonable cost to provide emergency dental treatment for the relief of pain only up to €300, outside of Ireland.
Medical Transport
Covered
Emergency Repatriation Expenses (transfer to Ireland or transfer to the most suitable hospital in Ireland) are covered within the overall €5,000,000 Medical and Additional Expenses limit; no separate sub-limit is stated.
Section: Part III > SECTION 5. Medical and Additional Expenses
All reasonable costs that it is medically necessary for Chubb Assistance to incur to return You to Your home in Ireland; or to move You to the most suitable hospital in Ireland if it is medically necessary to do so.
Medical Evacuation
Covered
Chubb Assistance arranges and pays for emergency repatriation/evacuation (by scheduled transport, air or road ambulance) where medically necessary, within the overall €5,000,000 Medical and Additional Expenses limit.
Section: Part II > Chubb Assistance
If the Doctor appointed by Chubb Assistance believes treatment in Ireland is preferable, transfer will be 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.
Cremation, Burial or Transportation Charges
€10K
If a Person Insured dies abroad, Chubb pays up to €10,000 for cremation or burial charges in the country of death, or to transport the body or ashes back to Ireland.
Section: Part III > SECTION 5. Medical and Additional Expenses
If You die abroad, We will pay up to €10,000: a. For cremation or burial charges in the country in which he or she died; or b. To transport his or her body or ashes back to Ireland.
Search and Rescue
No limit stated
No search and rescue benefit is referenced anywhere in the policy wording, IPID or benefits table.
Covid-19 Treatment and Quarantine Costs
€3K
The general communicable-disease exclusion explicitly does not apply to Medical Expenses and Repatriation Expenses claims, so Covid-19 medical treatment is covered within the €5,000,000 medical limit. Additional accommodation/transport costs of up to €3,000 are paid if a Person Insured is ordered to quarantine abroad by a treating doctor, subject to a positive test recognised by the Irish Government.
Section: Part III > SECTION 1. Cancellation and Curtailment > 3. Quarantine Due To a Communicable Disease (COVID 19)
We will pay up to €3,000 for: A. Reasonable additional accommodation (room only) costs and transport costs...because the Person Insured specifically has been ordered to quarantine by a treating Doctor whilst at their destination.
Pre-Existing Conditions
Excluded
No person insured may be receiving or on a waiting list for treatment, awaiting investigation/referral for any diagnosed or undiagnosed condition, or travelling against medical advice. Claims arising from a medical condition diagnosed before the Holiday was booked, where it could reasonably be expected to cause death, serious injury, sudden illness or a sudden deterioration in health, are excluded.
Section: Part I > 1.8 Health Declaration
No person to be insured • is receiving or on a waiting list for treatment in a hospital or nursing home; • is waiting for investigation or referral, or the results of any investigation, medical treatment or surgical procedure, for any condition, whether diagnosed or undiagnosed
Optional Winter Sports Extension
€300
Available as a paid add-on (additional premium required and must be shown on the Policy Schedule), covering equipment hire, ski pack, piste closure and avalanche delay up to €300 in total, limited to 21 days per Period of Insurance and excluding competitive winter sports.
Section: Optional Cover Extensions > SECTION 14. Winter Sports
This Section is optional. It applies only if it is shown as insured on the Policy Schedule and the additional premium has been paid.
Automatically Covered Leisure Activities and Sports
Covered
A long list of recreational activities (e.g. scuba diving to 18m, jet skiing, hiking/trekking up to 1,000m without guides, cycling, horse riding, go-karting, motorcycling up to 125cc) is automatically covered at no extra cost on a non-competitive, recreational basis. Aerial pursuits, competitive sports and hazardous activities not on the list are excluded.
Section: Part I > 1.9 Automatically Covered Leisure Activities and Sports
You are automatically covered when training for or participating in any of the leisure activities or sports listed in this section, on a recreational basis during Your Holiday
Pregnancy Complications
Conditional
Complications in pregnancy, as diagnosed by a doctor or specialist in obstetrics, are covered within Medical and Additional Expenses (€5,000,000), but if travelling between 28 and 35 weeks pregnant a doctor's written confirmation of fitness to travel (dated no earlier than 5 days before outbound travel) is required. Claims are excluded if due to give birth within 12 weeks of the trip ending.
Section: Part III > SECTION 5. Medical and Additional Expenses
If a Person Insured is injured or becomes ill (including complications in pregnancy as diagnosed by a Doctor or specialist in obstetrics, provided that if You are travelling between 28 and 35 weeks pregnant You obtained written confirmation from a Doctor of Your fitness to travel no earlier than 5 days prior to the outbound travel date)
Personal Liability
€2.5M
Indemnifies a Person Insured against sums they are legally liable to pay as damages for accidental bodily injury or accidental loss/damage to material property arising out of the Holiday, up to €2,500,000, plus Costs and Expenses. Excludes wilful/malicious acts, use of vehicles/aircraft/watercraft/firearms, and liability to family members or employees.
Section: Part III > SECTION 11. Personal Liability
We will indemnify a Person Insured against all sums which he or she is legally liable to pay as damages in respect of: i. Accidental bodily injury (including death illness or disease) to any person
Overseas Legal Advice & Expenses
€30K
Covers legal expenses up to €30,000 to pursue a claim for damages/compensation against a third party who caused bodily injury or illness during a Holiday abroad. Claims must be reported within 24 months of the incident.
Section: Part III > SECTION 12. Overseas Legal Advice & Expenses
If during a Holiday a Person Insured sustains bodily injury or illness which is caused by a third party We will pay up to €30,000 to cover Legal Expenses arising out of Any One Claim.
Chubb Assistance
Covered
Chubb Assistance (+353 (0)1 440 1762) provides medical referral, repatriation arrangement, hospital bill guarantee, drug replacement, message relay, emergency fund transfer, legal help and other personal assistance services for a Person Insured on a Holiday abroad.
Section: Part II > Chubb Assistance
Chubb Assistance will provide a Person Insured with the following services, in an emergency, when he or she is on Holiday Abroad.
Key conditions
Assistance call deadline
A Person Insured must contact Chubb Assistance immediately and before incurring any medical costs abroad; other claims must be notified within 30 days of the incident (or as soon as possible thereafter).
Unauthorized treatment
If Chubb Assistance is not contacted before medical costs are incurred, Chubb may reject the claim or reduce the amount paid; additional travel/hotel expenses not authorised in advance by Chubb Assistance are excluded.
Purchase while abroad
Purchase while already abroad is not available: eligible Holidays must both begin and end in Ireland, and each Person Insured must be a permanent resident of Ireland for at least 180 days per calendar year.
Chronic conditions
No person insured may be receiving or on a waiting list for hospital/nursing home treatment, awaiting investigation, referral or results for any diagnosed or undiagnosed condition, or choosing not to take prescribed medication at the correct dose.
Pregnancy
Pregnancy complications are covered, but travel between 28 and 35 weeks requires a doctor's written fitness-to-travel confirmation dated no earlier than 5 days before departure; cover excludes giving birth within 12 weeks of the trip ending.
Pre-existing condition exclusions
Claims are excluded if they result from a medical condition diagnosed before the Holiday was booked which could reasonably have been expected to cause death, serious injury, sudden illness or sudden deterioration in health.
Coverage duration limit
Single trip policies cover a maximum of 30 consecutive days abroad; annual multi-trip policies cover unlimited trips provided no single trip abroad exceeds 30 days and total days abroad do not exceed 90 days per Period of Insurance, with an optional Winter Sports extension capped at 21 days.
Direct payment
If a Person Insured is admitted to hospital abroad, Chubb Assistance will contact the hospital or attending doctor and guarantee payment of fees up to the policy limit so the Person Insured does not have to pay from their own funds.
Territorial scope
Cover applies to Holidays that both begin and end in Ireland; travel within Ireland is only covered if it includes at least 2 nights of pre-booked accommodation. Cuba is excluded from all geographical areas.
Documents
Chubb Holiday Travel Insurance Policy Wording (C1058/24 0625) (opens in a new tab)
Terms & conditions · PDF
Your Policy Document - Chubb Travel Insurance (Irish Version) (opens in a new tab)
Terms & conditions · PDF
Chubb Holiday Travel Insurance Product Information Document (IPID) (opens in a new tab)
Product information sheet · PDF
Key Benefits Summary Table (opens in a new tab)
Table of benefits · PDF
Policy specifics
Trip Cancellation and Additional Expenses
Refund of prepaid trip costs if cancellation due to covered reasons; additional travel and accommodation costs if cancellation necessary
SourcePage 1 / 2Section: What is insured?
1) Cancellation, Curtailment and Rearrangement* - up to €4,000, (including where you cannot depart ROI due to contracting a communicable disease or where required to quarantine).
Travel Delay Benefit
Cover for expenses if trip delayed; requires delay of specified hours
SourceClause Section 2Page 20Section: Part III > SECTION 2. Travel Delay
If a Person Insured is delayed for at least 12 hours on the outbound or return journey because the scheduled departure of a Public Transport is affected by a strike, industrial action, Adverse Weather, mechanical breakdown
Personal Property and Baggage Loss
Cover for loss, damage or theft of personal belongings while on trip
SourceClause Section 7Page 25Section: Part III > SECTION 7. Personal Property
If Personal Property is lost, damaged or stolen during a Holiday, We will pay Repair and Replacement Costs up to €1,500
Winter Sports Extension
Optional additional cover for winter sports activities; limited to 21 days total per policy period
SourcePage 2 / 2Section: Optional additional covers
Winter Sports Cover (max 21 days per period of insurance) – up to €300
Personal Accident
Pays up to €30,000 for death, Loss of Sight, Loss of Limb, or Permanent Total Disability resulting from Bodily Injury sustained during a Holiday; capped at €2,500 if the Person Insured is under 16.
SourceClause Section 4Page 22Section: Part III > SECTION 4. Personal Accident
If a Person Insured receives a Bodily Injury during a Holiday We will pay up to: i. €30,000 for death; or ii. €30,000 for Loss of Sight or Loss of Limb; or iii. €30,000 for Permanent Total Disability.
Irish Residency Requirement
All persons insured must be permanently resident in Ireland for minimum 180 days per calendar year
SourcePage 2 / 2Section: What are my obligations? > At the start of your policy
All persons to be insured must be permanently resident in Ireland for a minimum of 180 days per calendar year.
Health Changes Declaration
Policyholders must notify Chubb if any insured person has health changes after policy purchase
SourcePage 2 / 2Section: What are my obligations? > During the period of insurance
Contact us if you or anyone else insured by the policy have a change in health after you have taken out this insurance.
Supply of Evidence and Documentation
Policyholder must supply at own expense information, evidence and receipts including medical certificates signed by licensed practitioner
SourcePage 2 / 2Section: What are my obligations? > During the period of insurance
You must supply at your own expense any information, evidence and receipts we reasonably require including medical certificates signed by a Doctor, police reports and other reports following loss or injury.
Maximum Trip Duration
Maximum duration of any one trip is 30 days; annual multi-trip policies allow a maximum of 90 days cover within the period of insurance.
SourcePage 2 / 2Section: Are there any restrictions of cover?
Maximum duration of any one trip is 30 days. Maximum of 90 days cover in the period of insurance for Annual Multi trip policies.
Geographical Area Selection
Policyholder must select coverage area from: Europe (including Russia west of Urals, Turkey, Morocco, Tunisia); Worldwide excluding USA/Canada/Caribbean; or Worldwide including USA/Canada/Caribbean (excluding Cuba)
SourcePage 2 / 2Section: Where am I covered?
You are covered in the Geographical Area selected by you from the following options, as shown on your policy schedule: Europe (including Russia (west of the Urals), Turkey, Morocco and Tunisia. Worldwide excluding USA, Canada and the Caribbean. Worldwide Including USA, Canada and the Caribbean but excluding Cuba.
Trip Must Begin and End in Ireland
Eligible trips must both commence and terminate in Ireland; trips must also be minimum two days duration within Republic of Ireland
SourceSection: FAQs > Single direction journeys > I am going to live abroad and am not returning to Ireland. Can I buy your annual travel insurance?
Sorry, our policy does not cover single direction trips or non-Irish residents. Trips must begin and end in Ireland and you must be a resident here.
Excess Per Section and Claim
A €90 excess per person per claim applies to most benefit sections (e.g. Cancellation, Missed Departure, Medical Expenses, Personal Property, Lost/Stolen Money), except that a loss-of-deposit-only claim carries a €10 excess, and no excess applies to a medical expenses claim in an EU country where a reduction was obtained using a European Health Insurance Card. Other sections (e.g. Travel Delay, Baggage Delay, Personal Accident, Hospital Benefit, Loss of Passport/Driving Licence, Hijack, Personal Liability, Overseas Legal Advice & Expenses, Winter Sports, Car Hire Excess Cover) carry no excess.
SourceClause ExcessPage 09Section: Part I > 1.1 Definitions
The first €90 of any Claim which each Person Insured must pay except for a. A loss of deposit only Claim when the Excess is the first €10 of any Claim; or b. A Claim for medical and additional expenses in European Union countries where a reduction is obtained using a European Health Insurance Card, no excess will apply.
Sources
- ie.chubbinsured.comhttps://ie.chubbinsured.com/Resource/Documents/PDF/C1058_24_Chubb_Holiday_Travel_PW_IRE_0625.pdf#page=13(opens in a new tab)
- ie.chubbinsured.comhttps://ie.chubbinsured.com/Resource/Documents/PDF/C1058_24_Chubb_Holiday_Travel_PW_IRE_0625.pdf#page=16(opens in a new tab)
- ie.chubbinsured.comhttps://ie.chubbinsured.com/Resource/Documents/PDF/C1058_24_Chubb_Holiday_Travel_PW_IRE_0625.pdf#page=19(opens in a new tab)
- ie.chubbinsured.comhttps://ie.chubbinsured.com/Resource/Documents/PDF/C1058_24_Chubb_Holiday_Travel_PW_IRE_0625.pdf#page=20(opens in a new tab)
- ie.chubbinsured.comhttps://ie.chubbinsured.com/Resource/Documents/PDF/C1058_24_Chubb_Holiday_Travel_PW_IRE_0625.pdf#page=22(opens in a new tab)
- ie.chubbinsured.comhttps://ie.chubbinsured.com/Resource/Documents/PDF/C1058_24_Chubb_Holiday_Travel_PW_IRE_0625.pdf#page=23(opens in a new tab)
- ie.chubbinsured.comhttps://ie.chubbinsured.com/Resource/Documents/PDF/C1058_24_Chubb_Holiday_Travel_PW_IRE_0625.pdf#page=24(opens in a new tab)
- ie.chubbinsured.comhttps://ie.chubbinsured.com/Resource/Documents/PDF/C1058_24_Chubb_Holiday_Travel_PW_IRE_0625.pdf#page=25(opens in a new tab)
- ie.chubbinsured.comhttps://ie.chubbinsured.com/Resource/Documents/PDF/C1058_24_Chubb_Holiday_Travel_PW_IRE_0625.pdf#page=30(opens in a new tab)
- ie.chubbinsured.comhttps://ie.chubbinsured.com/Resource/Documents/PDF/C1058_24_Chubb_Holiday_Travel_PW_IRE_0625.pdf#page=32(opens in a new tab)
- ie.chubbinsured.comhttps://ie.chubbinsured.com/Resource/Documents/PDF/C1058_24_Chubb_Holiday_Travel_PW_IRE_0625.pdf#page=36(opens in a new tab)
- ie.chubbinsured.comhttps://ie.chubbinsured.com/Resource/Documents/PDF/C1058_24_Chubb_Holiday_Travel_PW_IRE_0625.pdf#page=9(opens in a new tab)
- ie.chubbinsured.comhttps://ie.chubbinsured.com/Resource/Documents/PDF/Chubb_Holiday_Travel_IPID_0222.pdf#page=23(opens in a new tab)
- ie.chubbinsured.comhttps://ie.chubbinsured.com/travel-faqs(opens in a new tab)
- ie.chubbinsured.comhttps://ie.chubbinsured.com/travel-insurance/insurance(opens in a new tab)
- arachas.iehttps://www.arachas.ie/media/biinu4uu/arachas-chubb-holiday-travel-ipid_0222.pdf#page=1(opens in a new tab)
- arachas.iehttps://www.arachas.ie/media/biinu4uu/arachas-chubb-holiday-travel-ipid_0222.pdf#page=2(opens in a new tab)
Chubb Travel insurance