Travel insurance
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| Feature / category | Allianz May 19, 2026 Open details | Aviva May 19, 2026 Open details | AXA Travel Insurance May 19, 2026 Open details | FBD Travel Insurance May 19, 2026 Open details |
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| Overview | ||||
Insurer | Allianz p.l.c. | Aviva Insurance Ireland Designated Activity Company | Inter Partner Assistance SA | Chubb European Group SE |
Online purchase | No | Yes | Yes | Yes |
24/7 helpline | Yes | Yes | Yes | Yes |
Billing basis | annual | per_trip | per_trip | per_trip |
Unique selling points |
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IPID | IPID | IPID | Not available | IPID |
Terms & conditions | ||||
| Coverage | ||||
Medical expenses | €100,000 – €5,000,000 | €5,000,000 | €5,000,000 | €5,000,000 |
Medical transport | €100,000 – €5,000,000 | €5,000,000 | €5,000,000 | €5,000,000 |
COVID-19 treatment | €100,000 – €5,000,000 | €5,000,000 | €5,000,000 | The policy covers some specific scenarios relating to Covid-19 including medical and repatriation expenses within the overall medical expenses limit of €5,000,000. Cancellation due to Covid-19 is covered (up to €3,000) where the positive test is certified in writing by a licensed pharmacy, laboratory or treating doctor, recognised by the Irish Government. Costs arising from government travel restrictions, lockdowns, or border closures due to communicable disease are excluded. Expenses from extensions of stay for quarantine past the return date are also covered under specific conditions. |
Personal liability | €1,000,000 | €2,500,000 | Not offered | €2,500,000 |
Emergency dental | Covered | €300 | €250 | €300 |
Search & rescue | Mountain search and rescue service costs are covered when deemed medically necessary under the Winter Sports section (Section 11). This cover is included within the €5 million winter sports emergency medical limit. Winter sports cover is an optional paid upgrade and requires prior confirmation in writing from Allianz Assistance. | Excluded | Not offered | Not offered |
Legal assistance | Excluded | €30,000 | Not offered | €30,000 |
Emergency medical treatment | €100,000 – €5,000,000 | €5,000,000 | €5,000,000 | €5,000,000 |
Hospitalization | €100,000 – €5,000,000 | €5,000,000 | €300 | Covered |
Outpatient treatment | €100,000 – €5,000,000 | €5,000,000 | €5,000,000 | €5,000,000 |
Medical evacuation | €100,000 – €5,000,000 | €5,000,000 | €5,000,000 | €5,000,000 |
Repatriation of remains | Covered | €10,000 | €5,000,000 | €10,000 |
Pre existing conditions | Excluded | 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. | 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. | Excluded |
Winter sports cover | Optional | Optional | Optional | Optional |
Adventure sports cover | A broad list of sports and leisure activities is automatically covered, including scuba diving (to 30 metres with certificate or qualified instructor), surfing, mountain biking, hiking, glacier walking, jet skiing, wakeboarding, marathon running, and others as listed in the policy. Professional sporting activity, any kind of racing (except on foot), and manual work are excluded. Activities not listed may be covered on request by contacting Allianz Assistance; an extra premium may be required. | Excluded | Optional | Excluded |
Pregnancy complications | Pregnancy complications are not explicitly called out as a named benefit or exclusion in the policy wording provided. Coverage would be subject to the conditions and exclusions of the Irish Life Health Insurance policy and would only apply if the complication constitutes a necessary and unforeseen medical emergency arising during the journey. Routine pregnancy care or planned treatment is not covered. | 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. | €5,000,000 | Complications in pregnancy as diagnosed by a Doctor or specialist in obstetrics are covered within the medical expenses limit of €5,000,000, and also trigger cancellation cover. If travelling between 28 and 35 weeks pregnant, written confirmation from a Doctor of fitness to travel must be obtained no earlier than 5 days prior to the outbound travel date. Normal pregnancy and childbirth costs are not a covered peril. |
| Key conditions | ||||
Assistance call deadline | The insured must contact the 24-hour emergency medical assistance service (00 353 1 619 3620) immediately upon serious illness or accident abroad requiring hospitalisation, or where early return or extended stay may be required. If the condition is life-, limb-, sight- or organ-threatening and the insured is unable to call, they must do so as soon as possible. Failure to obtain prior agreement for expenses may result in reduced or no reimbursement. | 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. | The insured must notify the Emergency Medical Assistance Service (+353 1 920 3988) as soon as possible of any hospital admission or before any repatriation arrangements are made. Failure to do so may affect the ability to claim. | A Person Insured must contact Chubb Assistance on +353 (0)1 440 2573 before incurring any costs covered under the Medical and Additional Expenses section, or as soon as feasible if involved in a medical emergency such as an accident or cardiac situation. Failure to do so may result in rejection or reduction of the claim. |
Purchase while abroad | The policy cannot be issued once the journey has started. Cover applies only for the whole journey and a policy will not be issued if the insured has already begun their journey. The Irish Life Health Travel Insurance policy is linked to and provided in conjunction with a valid Irish Life Health Insurance policy; it cannot be purchased independently 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. | Any trip that has already begun when the insurance is purchased will not be covered. The policy must be in place before the trip commences. | The policy cannot be purchased while already abroad. Cover under all sections other than Cancellation commences on the dates shown on the Policy Schedule. For single trip policies, cancellation cover commences from the date the policy is purchased. |
Chronic conditions | Chronic or gradually worsening conditions are excluded unless shown on the policy schedule. The conditions and exclusions of the Irish Life Health Insurance policy apply equally to this travel policy. Any medical claim not covered by the Irish Life Health Insurance policy is also excluded under this policy. Pre-existing medical screening is not currently available. | 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. | Chronic and ongoing conditions (including respiratory conditions, heart conditions, cancer, stroke, epilepsy, Crohn's disease) for which the insured has received treatment or prescribed medication in the last 5 years must be declared to AXA Medical Screening (01 299 4699) and accepted in writing before cover applies. Failure to declare may result in claim refusal. | Chronic or pre-existing medical conditions that conflict with statements made in the eligibility section of the application are excluded. Medication a Person Insured is taking before and must continue taking during a holiday is also not covered. Post-traumatic stress disorder or any psychological or psychiatric condition diagnosed before a holiday begins is excluded. |
Pregnancy | Pregnancy complications are not explicitly listed as a named covered event or exclusion. Cover would only apply if the complication constitutes a necessary and unforeseen medical emergency during the journey and is consistent with the conditions of the Irish Life Health Insurance policy. Routine pregnancy care, elective treatment, and travel for the purpose of receiving treatment abroad are excluded. | 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. | Normal pregnancy and routine childbirth are explicitly excluded. Pregnancy complications as specifically defined in the policy (e.g. ectopic pregnancy, pre-eclampsia, miscarriage, medically necessary Caesarean section, premature birth more than 8 weeks early) are covered under Section 2 within the overall medical emergency limit. | Complications in pregnancy are covered under both Medical Expenses and Cancellation sections. If travelling between 28 and 35 weeks pregnant, written confirmation from a Doctor of fitness to travel must be obtained no earlier than 5 days prior to the outbound travel date. Normal pregnancy and routine ante-natal costs are not covered. |
Unauthorized treatment | Any expenses incurred without prior agreement from Allianz Assistance are not covered under Section 10. The insurer will not accept liability for costs incurred for repatriation or treatment if the insured refuses to follow advice from the treating doctor and Allianz medical advisers. Extra transport and accommodation costs of a higher standard than those already used on the journey are excluded unless specifically agreed. | 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. | This is not a private medical insurance policy. The policy only covers emergency medical and surgical treatment and not treatment that can reasonably be delayed until return to the Republic of Ireland. If the insured refuses AXA's decision on repatriation or treatment, all cover under Sections 1, 2 and 5 will be withdrawn. | If a Person Insured receives medical treatment without first contacting Chubb Assistance (unless in a genuine emergency), the insurer may reject or reduce the claim. Additional travelling expenses not authorised by Chubb Assistance are also excluded. Any decision to not move hospital or return to Ireland after Chubb Assistance deems it medically appropriate will result in subsequent expenses being excluded. |
Pre existing conditions | Pre-existing medical conditions are excluded. The health-related conditions and exclusions from the Irish Life Health Insurance policy are incorporated by reference into this travel policy. Pre-existing medical condition screening is not currently offered, so the policy cannot be extended to cover such conditions. Policyholders who find the cover does not meet their needs may cancel within the 14-day cooling-off period. | 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. | All pre-existing medical conditions must be declared. The policy excludes any condition for which the insured has received prescribed medication or check-ups within the last 12 months, or any of the listed serious conditions treated within the last 5 years, unless AXA Medical Screening has been contacted on 01 299 4699 and written acceptance has been provided. Cover may be subject to an additional premium. Conditions must be declared within 14 days of purchase or before departure, whichever is sooner. | Pre-existing medical conditions or injuries that conflict with statements made on page 3 of the application process (the eligibility section) are excluded from all cover. Cancellation or curtailment arising from a pre-existing condition affecting an immediate family member or travelling companion is also excluded even if they are not insured on the policy. |
Coverage duration limit | For this bundled policy, a trip booked to last longer than 31 days is not covered. Trips within the home country (Republic of Ireland) must be for at least 3 nights and have pre-booked transport or accommodation, or be more than 25 miles from home (unless involving a sea crossing). Winter sports cover applies for up to 31 days in total during the period of insurance when the additional premium has been paid. | 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. | This policy is for a single trip. Cover is provided for the period of the trip as shown in the policy schedule. The policy covers only persons permanently resident in the Republic of Ireland and registered with a medical practitioner in Ireland. Trips outside the Republic of Ireland must start and end in the Republic of Ireland. | For single trip policies, the maximum duration of any one trip is 30 consecutive days. For annual multi-trip policies, no individual holiday abroad may exceed 30 consecutive days, and a maximum of 90 days in total may be spent on holidays abroad in any period of insurance. Cover will end at the earlier of arrival at the return destination in Ireland or the end of the trip duration shown on the Policy Schedule. |
| Proof and next steps | ||||
Direct payment policy | Allianz Assistance will contact hospitals or doctors abroad and guarantee to pay their fees directly, providing the insured has a valid claim. For medical emergencies, insured must contact the 24-hour emergency medical assistance service (00 353 1 619 3620) immediately upon hospitalisation or when repatriation may be required. | 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. | AXA (via Inter Partner Assistance SA) does not operate a general direct payment scheme to hospitals. Emergency medical costs are covered up to €5,000,000 and must be notified to the Emergency Medical Assistance Service (+353 1 920 3988) as soon as possible; repatriation and hospital admissions require prior authorisation from the Emergency Medical Assistance Service before arrangements are made. | If a Person Insured is admitted to hospital abroad, the hospital or attending Doctor will be contacted and payment of fees up to the policy limit will be guaranteed by Chubb Assistance so that the Person Insured does not have to make the payment from their own funds. For all other claims, reimbursement is made after submission of receipts and supporting documentation. |
Last verified | May 19, 2026 | May 19, 2026 | May 19, 2026 | May 19, 2026 |