FBD Travel Insurance

Medical and Additional Expenses

Covered

Covers emergency medical (excluding dental), repatriation and travel expenses incurred during a holiday abroad up to €5,000,000 per Person Insured. Includes necessary hospital, surgical or other diagnostic treatment given or prescribed by a Doctor, charges for staying in a hospital or nursing home, and burial/body repatriation up to €10,000. Dental expenses are covered only for the relief of pain up to €300. A €90 excess applies per person per claim.

Emergency Medical Treatment

Covered

Emergency medical treatment abroad is covered under Section 5 (Medical and Additional Expenses) up to €5,000,000 per Person Insured. A Person Insured must contact Chubb Assistance before incurring any costs, or as soon as feasible in a genuine emergency. This is not private medical insurance. Pre-existing conditions that conflict with eligibility statements are excluded.

Hospitalisation (within Medical Expenses)

Covered

Inpatient hospital charges are covered within the overall Medical Expenses limit of €5,000,000. Additionally, a Hospital Benefit of €20 per full 24 hours as an in-patient is payable up to a maximum of €400 per holiday (Section 6). For the Holiday Plus variant, inpatient medical expenses only begin to be covered once the limit of the insured's private medical insurance has been exhausted.

Outpatient Treatment

Covered

Outpatient medical treatment (including necessary surgical or other diagnostic treatment given or prescribed by a Doctor) is covered within the overall Medical Expenses limit of €5,000,000 under Section 5. Optical expenses are also included within this limit. All treatment must be confirmed as medically necessary.

Emergency Dental Treatment

Covered

Dental expenses are covered for the relief of pain only, up to a limit of €300 per Person Insured. No cover for dental treatment other than for pain relief.

Medical Transport and Repatriation

Covered

Repatriation and travel expenses are covered within the overall Medical Expenses limit of €5,000,000. Repatriation must be authorised by Chubb Assistance, necessary on medical grounds, and to Ireland. Additional travel and hotel expenses including for one other person if the insured has to be accompanied on medical advice are also covered. Any additional travelling expenses must be authorised by Chubb Assistance.

Medical Evacuation

Covered

Medical evacuation is covered within the overall Medical Expenses limit of €5,000,000. 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 if more urgent treatment and/or specialist care is required during the holiday.

Repatriation of Remains

Covered

If a Person Insured dies abroad, up to €10,000 is covered for cremation or burial charges in the country of death, or to transport the body or ashes back to Ireland. Cremation or burial costs in Ireland itself are excluded.

Personal Liability

Covered

Covers legal liability for accidental bodily injury (including death, illness or disease) to any person or accidental loss of or damage to material property arising during the holiday, up to €2,500,000 per Person Insured. Legal costs and expenses are covered in addition to the limit of liability. Wilful or malicious acts, use of mechanically propelled vehicles (except golf buggies on courses), and business-related activities are excluded. No excess applies.

Overseas Legal Advice and Expenses

Covered

Covers legal expenses up to €30,000 per Person Insured if the insured sustains bodily injury or illness caused by a third party during a holiday abroad. Claims must be reported within 24 months of the incident. Legal expenses incurred in connection with criminal or wilful acts, defence against civil claims, or contingency fee arrangements are excluded. No excess applies.

24/7 Chubb Assistance

Covered

24/7 emergency medical and personal assistance is provided by Chubb Assistance (+353 (0)1 440 2573) to Persons Insured whilst on holiday abroad. Services include medical referral, repatriation arrangement, hospital bill payment guarantee, drug replacement assistance, transmission of urgent messages, unsupervised children assistance, emergency fund transfer, message relay, personal property tracing, replacement travel documents assistance, lost credit card advice, emergency translation, and legal help referral.