Europ Assistance S.A. (trading as Europ Assistance S.A. Irish Branch)

Assistance call deadline

The insured or a third person must notify the insurer by telephone as soon as possible, and must send all documentation regarding the covered event within a maximum of 7 days from the time the event giving rise to the claim occurred.

Unauthorized treatment

All expenses engaged without the insurer's prior agreement will not generate any reimbursement.

Purchase while abroad

The policy must be purchased before the trip starts; it cannot be subscribed once the trip has already begun.

Chronic conditions

Coverage excludes the successive payment of medications or pharmaceutical costs arising from the prolongation over time of a treatment initially prescribed, as well as those related to any process which becomes chronic in nature.

Pregnancy

Before 16 weeks, only diagnosis of pregnancy and emergency treatment are covered, excluding voluntary termination; beyond 16 weeks, diagnosis, monitoring, treatment, childbirth and newborn care are excluded, as are infertility investigations and IVF.

Pre-existing condition exclusions

Any pre-existing medical conditions are excluded, including the presentation or deterioration of illness and/or injuries.

Coverage duration limit

A single policy can be purchased to cover multiple trips, lasting from 1 to 365 days in total, but each individual trip must not exceed 4 months.

Medical expenses coverage limit - Schengen Plus

Coverage amount for illness or injury under Schengen Plus policy doubled from €30,000 to €60,000

Extended geographical coverage

Coverage extends beyond Schengen area to include Bulgaria, Croatia, Cyprus, Ireland, Romania, and the UK

Extended stay expense coverage

Coverage for extension of stay expenses if prescribed by a doctor, for a maximum of 10 days (Schengen Plus)

Accompanying person return coverage

Coverage of return costs for a person accompanying the insured person

Minor traveller repatriation

Organisation and coverage of return journey for minors under 14 to country of residence

Covid-19 trip cancellation compensation

A fixed compensation of €130 is paid if the trip to the Schengen area must be cancelled for specified Covid-19-related reasons and cannot be rescheduled within 90 days (Schengen Plus only).

Age restriction for insurability

All insured persons must be aged 74 years or younger at the moment of purchase of the insurance

Pre-existing medical conditions exclusion

Any pre-existing medical conditions are excluded from coverage, including presentation or deterioration of illness and/or injuries

Maximum trip duration

Maximum duration of a single trip covered by the policy is 4 months

Territorial coverage limits and exclusions

Policy covers Schengen area plus Bulgaria, Croatia, Cyprus, Ireland, Romania and UK; excludes certain countries (Afghanistan, Belarus, Burma, Crimea Region, Cuba, Iran, North Korea, Somalia, Sudan, Syria, Venezuela, Russian Federation, Zimbabwe)

Waiting period after purchase

Not established from the insurer's documents

7-day waiting period after purchase during which no claims are covered

Winter sports, competitive sports and motorsports exclusion

Coverage excludes consequences from winter sports, competitive sports, motorsports (races or rallies)

Epidemic and infectious disease exclusion

Epidemics and/or infectious diseases which appear suddenly and spread rapidly through the population are excluded; includes diseases caused by pollution

Reimbursement payment method

Policy follows reimbursement model requiring documentation; expenses must be reported and supported by documentary proof