FBD Insurance Travel insurance (Fbd Holiday Travel)
Underwritten by Chubb European Group SE · Ireland
travel insurance from FBD Insurance for the Ireland market, with online purchase and 24/7 assistance.
Verified Aug 31, 2026 · Terms dated 2021-08Sources
Key facts
- Medical transport up to €5,000,000
Unique selling points
Medical Expenses cover of up to €5,000,000 per person, including up to €10,000 for burial, cremation or repatriation of remains abroad.
Personal Liability cover of up to €2,500,000 while on holiday abroad.
Continued cover for Covid-19 medical treatment and repatriation expenses even though other Covid-19 related claims are excluded from the policy.
No excess applies to medical and additional expenses claims in EU countries where a reduction is obtained using a European Health Insurance Card.
Chubb Assistance arranges and guarantees direct payment of hospital bills abroad up to the policy limit, so the insured does not have to pay upfront from their own funds.
Coverage limits
Medical Expenses
€5M
Covers reasonable costs medically necessary outside Ireland for hospital, ambulance, surgical or other diagnostic or remedial treatment prescribed by a doctor, including hospital stays, up to €5,000,000 per person. A €90 excess applies per person per claim, except where a reduction is obtained using a European Health Insurance Card in EU countries. Available under both the Holiday and Holiday Plus options; under Holiday Plus, cover for in-patient treatment begins only once the limit of the policyholder's private medical insurance has been exhausted.
Section: What is insured?
2) Medical Expenses* - up to €5,000,000 (burial/body repatriation up to €10,000).
Emergency Medical Treatment
€5M
Covers emergency injury or illness suffered abroad during a Holiday, within the overall €5,000,000 Medical and Additional Expenses limit. The insured person must contact Chubb Assistance immediately and before incurring any costs; contacting FBD first may delay treatment.
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:
Hospital Benefit (daily in-patient cash benefit)
€400
In addition to the €5,000,000 Medical Expenses limit, a cash benefit of €20 is paid for each full 24 hours a Person Insured spends as a hospital in-patient during a Holiday, up to a maximum of €400 per Holiday. No benefit is paid for time spent in an institution not recognised as a hospital in the country of treatment.
Section: What is insured?
7) Hospital Benefit - €20 for each full 24 hours he or she spends in hospital up to a maximum of €400.
Outpatient Treatment
€5M
Outpatient treatment is reimbursed as part of the overall €5,000,000 Medical and Additional Expenses limit; no separate outpatient sub-limit is stated in the policy documents.
Section: PART III > SECTION 5. Medical and Additional Expenses
Medical 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 Dental Treatment
€300
Reimburses medically necessary and reasonable costs of emergency dental treatment for the relief of pain only, up to €300, incurred outside Ireland during a Holiday.
Section: PART III > SECTION 5. Medical and Additional Expenses
Emergency Dental Treatment 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 / Ambulance Services
€5M
Chubb Assistance arranges transfer by regular scheduled transport, or by air or road ambulance if more urgent treatment or specialist care is required, as part of the overall Medical and Additional Expenses cover; no separate sub-limit is stated.
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.
Emergency Medical Evacuation / Repatriation
€5M
Covers all reasonable costs that are medically necessary for Chubb Assistance to arrange to return the insured person to their home in Ireland, or to move them to the most suitable hospital in Ireland, within the overall €5,000,000 Medical and Additional Expenses limit; repatriation must be authorised by Chubb Assistance and be necessary on medical grounds.
Section: PART III > SECTION 5. Medical and Additional Expenses
Emergency Repatriation 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.
Repatriation of Remains / Burial Abroad
€10K
If the insured person dies abroad, up to €10,000 is paid for cremation or burial charges in the country of death, or to transport the body or ashes back to Ireland.
Section: What is insured?
2) Medical Expenses* - up to €5,000,000 (burial/body repatriation up to €10,000).
Search and Rescue
No limit stated
Search and Rescue is not mentioned as a covered benefit under this policy.
Covid-19 Medical and Repatriation Expenses
€5M
Covid-19 claims are excluded under the policy's general exclusions except under the Medical Expenses and Repatriation section, which remains covered provided the insured is not travelling in, to or through any area allocated a security status of 'Avoid non-essential travel' or 'Do not travel' by the Department of Foreign Affairs. The policy also covers some Covid-19 related cancellation costs and quarantine-related expenses where the quarantine period extends past the return date.
Section: What is insured?
This policy does cover some specific scenarios relating to Coronavirus (Covid-19),such as medical and repatriation expenses, some cancellation expenses, and certain expenses where trip is extended due to needing to quarantine past return departure date.
Pre-existing Medical Conditions
Excluded
Excluded where a pre-existing medical condition or injury conflicts with the health declaration statements made at the time of purchase (e.g. receiving or awaiting hospital/nursing home treatment, awaiting investigation, referral or results, or travelling against medical advice). Cancellation, curtailment or rearrangement is also excluded where it results from a medical condition diagnosed before the policy was purchased that could reasonably have been expected to cause death, serious injury, sudden illness or sudden deterioration in health.
Section: What is not insured?
Any pre-existing medical condition or injury that conflicts with any statements on page 3 of the application process (the eligibility section).
Winter Sports Cover
€300
Optional cover, available for an additional premium, for winter sports equipment hire, unused ski pass value, hire/tuition fees, and being unable to ski due to lack of snow, up to €300, limited to a maximum of 21 days winter sports cover in the period of insurance. Competitive winter sports are excluded.
Section: Optional additional cover:
Winter Sports Cover (max 21 days per period of insurance) - up to €300.
Adventure / Hazardous Sports Cover
Excluded
Excluded: aerial pursuits (e.g. ballooning, bungee-jumping, gliding, hang-gliding, parachuting, paragliding), mountaineering requiring ropes or guides, potholing, motorcycling over 125cc, competitive winter sports, racing (other than on foot), and scuba diving to depths exceeding 30 metres.
Section: PART IV > 4.1 General Exclusions
mountaineering requiring the use of ropes or guides; potholing; any organised sporting holiday or trip; travelling on a motorcycle/trike over 125cc; competitive Winter Sports including, but not limited to ski or ski bob racing, mono skiing, ski jumping, ski boarding, ice hockey, or the use of bobsleighs or skeletons; racing of any kind (except for racing on foot); scuba diving to depths in excess of 30 metres; and speed or endurance tests.
Pregnancy Complications
€5M
Covered as part of Medical Expenses and Cancellation cover where diagnosed by a doctor or specialist in obstetrics, provided that if travelling between 28 and 35 weeks pregnant the insured obtained written confirmation of fitness to travel from a doctor no earlier than 5 days before the outbound travel date. Cover excludes any trip where the insured is due to give birth within 12 weeks of the trip's return date.
Section: PART III > SECTION 5. Medical and Additional Expenses
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 the insured person up to €2,500,000 for sums they become legally liable to pay as damages for accidental bodily injury or accidental loss of/damage to material property occurring during the Holiday. Wilful or malicious acts are excluded.
Section: What is insured?
11) Personal Liability – up to €2,500,000.
Overseas Legal Advice & Expenses
€30K
Covers legal expenses up to €30,000 if the insured sustains bodily injury or illness abroad caused by a third party, to pursue a claim for damages or compensation. Excludes claims reported more than 24 months after the incident and any criminal or wilful act.
Section: What is insured?
12) Overseas Legal Advice & Expenses – up to €30,000.
Chubb Assistance Emergency & Personal Assistance Service
Covered
Chubb Assistance provides medical emergency, referral, repatriation and personal assistance services while on a Holiday abroad, including emergency fund transfer up to €250, message relay, tracing of personal property, replacement travel documents, and legal help, reachable on +353 (0)1 440 2753.
Section: PART II > Chubb Assistance
Chubb Assistance i. Medical Emergency, Referral and ii. Personal Assistance Services T +353 (0)1 440 2753
Key conditions
Assistance call deadline
The insured person must contact Chubb Assistance before incurring any costs under the Medical and Additional Expenses section; contacting FBD/Chubb first may delay treatment.
Unauthorized treatment
If Chubb Assistance is not contacted before incurring medical costs, the insurer may reject the claim or reduce the amount paid.
Purchase while abroad
Cover is only available for Holidays that begin and end in Ireland (or trips of more than two days within Ireland), and every insured person must be permanently resident in Ireland for at least 180 days per calendar year. There is no route to purchase or activate cover while already abroad.
Chronic conditions
No person may be insured if they are receiving or on a waiting list for hospital or nursing home treatment, are awaiting investigation, referral or results for any diagnosed or undiagnosed condition, are choosing not to take prescribed medication as directed, or are travelling against the advice of a qualified doctor.
Pregnancy
Complications in pregnancy diagnosed by a doctor or obstetrics specialist are covered under Medical Expenses and Cancellation. Travel between 28 and 35 weeks of pregnancy requires written doctor confirmation of fitness to travel obtained no earlier than 5 days before departure. Cover excludes any trip where the insured is due to give birth within 12 weeks of the trip's return date.
Pre-existing condition exclusions
Cover excludes any pre-existing medical condition or injury that conflicts with the health declaration made when applying for the policy. Cancellation or curtailment is also excluded where it results from a condition diagnosed before the policy was purchased that could reasonably have been expected to cause death, serious injury, sudden illness or sudden deterioration in health.
Coverage duration limit
A single trip is covered for a maximum of 30 consecutive days. Under an Annual Multi-Trip policy, total time spent on Holidays abroad must not exceed 90 days within the period of insurance.
Direct payment
Where a Person Insured is admitted to hospital abroad, Chubb Assistance contacts the hospital or attending doctor directly and guarantees payment of their fees up to the policy limit, so the insured does not have to pay from their own funds. Premiums for the policy itself are payable in full by debit or credit card at the time of purchase.
Territorial scope
Cover applies only within the geographical area selected on the policy schedule. Albania is excluded from the Europe area and requires Worldwide cover. Travel to Cuba is excluded under every area due to sanctions restrictions affecting the underwriter. No cover applies to any Holiday involving travel to areas where the Department of Foreign Affairs allocates a security status of 'Avoid non-essential travel' or 'Do not travel'.
Documents
FBD Holiday Travel Insurance Product Information Document (IPID), June 2025 edition (opens in a new tab)
Product information sheet · PDF
Your Holiday Travel Insurance Policy Document, August 2021 edition (opens in a new tab)
Terms & conditions · PDF
Key Benefits summary table (within Policy Document, August 2021 edition) (opens in a new tab)
Table of benefits · PDF
Your Holiday Travel Insurance Policy Document, April 2018 edition (superseded) (opens in a new tab)
Terms & conditions · PDF
Policy specifics
Emergency Medical Expenses
Primary cover for emergency medical expenses whilst on a trip outside of the Republic of Ireland
SourcePage 1Section: What is this type of insurance?
It provides cover for emergency medical expenses whilst on a trip outside of the Republic of Ireland, cancellation costs, personal property/money losses, and a range of other covers all whilst travelling on holiday abroad or for trips of more than two days within the Republic of Ireland.
Trip Cancellation
Covers cancellation costs for holiday trips
SourceClause 1)Page 1Section: What is insured?
1) Cancellation, Curtailment and Rearrangement* - up to €3,000, (including where you cannot depart ROI due to contracting a communicable disease or where required to quarantine).
Personal Property and Money
Coverage for personal property and money losses whilst travelling
SourcePage 1Section: What is this type of insurance?
It provides cover for emergency medical expenses whilst on a trip outside of the Republic of Ireland, cancellation costs, personal property/money losses, and a range of other covers all whilst travelling on holiday abroad or for trips of more than two days within the Republic of Ireland.
Travel Delay
Coverage for travel delays during holiday trips
SourceClause Section 2Page 16Section: Part III > SECTION 2. Travel Delay
SECTION 2. Travel Delay (Maximum payable €200/€3,000 per Person Insured) A. Cover If a Person Insured is delayed for at least 12 hours on the outbound or return journey because the scheduled departure of a Public Conveyance is affected by a strike, industrial action, adverse weather, mechanical breakdown/derangement, or grounding of an aircraft due to mechanical or structural defect, We will pay:
Missed Departure
Coverage for missed travel connections
SourceClause 5)Page 1Section: What is insured?
5) Missed Departure* - up to €500.
Personal Accident
Coverage for personal accident benefits
SourceClause Section 4Page 17Section: Part III > SECTION 4. Personal Accident
(Maximum payable €30,000 per Person Insured)
Hospital Benefit
Daily hospital benefit coverage
SourceClause Section 6Page 19Section: Part III > SECTION 6. Hospital Benefit
If a Person Insured is a hospital in-patient during a Holiday and has a Claim under his or her Private Medical Insurance or Part III Section 5 MEDICAL AND ADDITIONAL EXPENSES, 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.
Car Hire Excess
Optional protection for car hire excess charges
SourcePage 1Section: Optional additional cover:
Car Hire Excess Cover – €4,000 for any one incident and up to €5,000 overall.
Overseas Legal Advice & Assistance
Access to legal advice and assistance while abroad
SourceClause Section 12Page 25Section: Part III > SECTION 12. Overseas Legal Advice & Expenses
SECTION 12. Overseas Legal Advice & Expenses (Maximum payable €30,000 per Person Insured) See Part II for services provided by Chubb Assistance which are relevant to this Section. Cover under this Section applies only to Holidays Abroad.
Permanent Residency Requirement
All persons insured must be permanently resident in Ireland
SourcePage 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.
Trip Duration Limit
Maximum duration of any one trip is 30 consecutive days
SourcePage 2Section: Are there any restrictions on cover?
Maximum duration of any one trip is 30 day.
Excess per Claim
Standard excess of €90 applies per person per claim on certain sections
SourcePage 2Section: Are there any restrictions on cover?
An excess of €90 applies per person per claim on sections noted aside with an asterisk.
Geographical Coverage Options
Multiple geographical area options available for selection
SourcePage 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:
Private Medical Insurance Requirement (Holiday Plus)
Holiday Plus option requires private medical insurance with overseas coverage
SourcePage 2Section: What are my obligations? > During the period of insurance
If the Holiday Plus option is selected all persons insured must have PMI (private medical insurance) with cover for medical expenses whilst abroad for the duration of the travel insurance policy.
Health Condition Notification
Requirement to disclose health changes after policy purchase
SourcePage 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.
Property Loss Reporting Requirement
Lost or stolen property must be reported to authorities within 24 hours
SourcePage 2Section: What are my obligations? > In the event of a claim
You must report any items that are lost or stolen to the police within 24 hours of discovery and provide us with a written report.
Travel Security Restrictions
Exclusion for travel to areas with high security risk
SourcePage 1Section: What is not insured?
Any Holiday involving travel to areas the Department of Foreign Affairs allocates a security status of ‘Avoid non-essential travel’ or ‘Do not travel’.
Medical Travel Exclusion
No cover for travel for medical treatment or terminal prognosis
SourcePage 1Section: What is not insured?
Travelling for medical treatment or if a traveller has a terminal prognosis.
Business Trip Exclusion
No cover for business trips
SourcePage 1Section: What is not insured?
Business trips of any description.
High Risk Activities Exclusion
No cover for aerial pursuits, competitive winter sports, and hazardous activities
SourcePage 1Section: What is not insured?
Aerial pursuits, competitive winter sports, hazardous activities listed in the policy wording.
Premium Payment Terms
Premiums payable in full at time of insurance purchase
SourcePage 2Section: When and how do I pay?
Premiums are payable in full at the time of buying the insurance. Payment can be made by debit or credit card.
Cooling-Off Period
14-working-day cancellation period with refund conditions
SourcePage 2Section: How do I cancel the contract? > 14-day Cancellation
You may cancel your policy at any time. If you cancel within 14 working days of receiving your policy documentation, we will refund premiums paid provided no claims have been reported or paid.
Underwriter
Policy underwritten by Chubb European Group SE
SourcePage 1Section: Company (Insurer)
Company (Insurer): Chubb European Group SE Ireland branch.
Sources
- fbd.iehttps://www.fbd.ie/travel-insurance/(opens in a new tab)
- fbdtravelinsurance.iehttps://www.fbdtravelinsurance.ie/documents/C1338_19_FBD_Holiday_Travel_PW_IRE_0821.pdf#page=14(opens in a new tab)
- fbdtravelinsurance.iehttps://www.fbdtravelinsurance.ie/documents/C1338_19_FBD_Holiday_Travel_PW_IRE_0821.pdf#page=18(opens in a new tab)
- fbdtravelinsurance.iehttps://www.fbdtravelinsurance.ie/documents/C1338_19_FBD_Holiday_Travel_PW_IRE_0821.pdf#page=34(opens in a new tab)
- fbdtravelinsurance.iehttps://www.fbdtravelinsurance.ie/documents/c1338_10_fbd_holiday_travel_pw_ire_0418.pdf#page=16(opens in a new tab)
- fbdtravelinsurance.iehttps://www.fbdtravelinsurance.ie/documents/c1338_10_fbd_holiday_travel_pw_ire_0418.pdf#page=17(opens in a new tab)
- fbdtravelinsurance.iehttps://www.fbdtravelinsurance.ie/documents/c1338_10_fbd_holiday_travel_pw_ire_0418.pdf#page=19(opens in a new tab)
- fbdtravelinsurance.iehttps://www.fbdtravelinsurance.ie/documents/c1338_10_fbd_holiday_travel_pw_ire_0418.pdf#page=25(opens in a new tab)
- fbdtravelinsurance.iehttps://www.fbdtravelinsurance.ie/documents/c1872_01_fbd_holiday_travel_ipid_0625.pdf#page=1(opens in a new tab)
- fbdtravelinsurance.iehttps://www.fbdtravelinsurance.ie/documents/c1872_01_fbd_holiday_travel_ipid_0625.pdf#page=2(opens in a new tab)
- fbdtravelinsurance.iehttps://www.fbdtravelinsurance.ie/documents/fbd_holiday_travel_ipid_0222.pdf#page=1(opens in a new tab)
- fbdtravelinsurance.iehttps://www.fbdtravelinsurance.ie/documents/fbd_holiday_travel_ipid_0222.pdf#page=2(opens in a new tab)
FBD Insurance Travel insurance