InsureandGo Travel insurance (Insureandgo Travel Insurance Bronze Silver Gold Platinum)
Underwritten by MAPFRE ASISTENCIA Compañia Internacional De Seguros Y Reaseguros, S.A (trading as MAWDY) · Ireland
travel insurance from InsureandGo for the Ireland market, with online purchase and 24/7 assistance.
Last verified Aug 31, 2026Sources
Key facts
- Personal liability up to €500,000 – €2,000,000
- Starting price: €3.90per tripAs published by the insurer — it does not say who the price is for
Unique selling points
TravelGP gives every policyholder free 24/7 online access to a GP for professional medical advice while abroad, at no extra cost.
The top Platinum tier provides medical expenses cover of up to €10 million, well above the Bronze entry-level €3 million.
Gold and Platinum policyholders receive a Real-Time Flight Delay benefit offering free VIP lounge access (or a €30 cash payment) if a flight is delayed more than 3 hours.
Policies advertise no hidden transaction or admin fees when purchasing cover.
Travellers with private health insurance providing at least €55,000 of inpatient medical cover abroad can qualify for a reduced premium.
Coverage limits
Medical Expenses
€3M – €10M
Reasonable medical expenses abroad (doctor's fees, hospital expenses, inpatient/outpatient treatment, transportation to nearest hospital) are covered up to €3 million on Bronze and Silver, €6 million on Gold, and €10 million on Platinum.
Emergency Medical Treatment
Covered
Doctor's fees, hospital expenses, and inpatient/outpatient treatment for the immediate needs of a medical emergency abroad are covered within the overall Section 2 Medical Expenses limit for the tier purchased.
Additional Hospitalisation Benefit
€100 – €1K
If admitted as an inpatient for more than 24 hours, a daily hospital benefit is paid: not available on Bronze; Silver €10 per 24 hours up to €100; Gold €25 per 24 hours up to €400; Platinum €40 per 24 hours up to €1,000.
Outpatient Treatment
Covered
Inpatient and outpatient medical treatment abroad is covered within the overall Section 2 Medical Expenses limit, with no separate sub-limit stated.
Emergency Dental Treatment
€200 – €450
Emergency dental treatment for immediate pain relief or emergency repairs to dentures is not covered on Bronze; Silver provides up to €200; Gold and Platinum provide up to €450.
Medical Transportation
Covered
Charges for medical transportation to the nearest suitable hospital abroad, where deemed necessary by a recognised Medical Practitioner, are covered within the overall Medical Expenses limit.
Medical Evacuation / Repatriation of Patients
Covered
If the Senior Medical Officer recommends repatriation to Ireland, the insurer organises and covers the additional travel costs, including a travelling companion's costs if medically necessary, within the overall Medical Expenses limit.
Burial Abroad / Repatriation of Remains
€1.3K – €2K
Burial or cremation of a deceased Insured Person abroad, or repatriation of the body/ashes to Ireland, is covered up to €1,250 on Bronze and €2,000 on Silver, Gold and Platinum.
Search and Rescue
No limit stated
Not addressed as a distinct, separately-limited benefit in the policy wording.
COVID-19 Treatment / Extended Stay
€2K
General COVID-19 claims are excluded except that, following a positive COVID-19 diagnosis abroad, reasonable additional economy-class transport and/or accommodation costs to extend the stay are covered up to €2,000 per trip (not per person).
Pre-Existing Medical Conditions
Conditional
No claim arising from a pre-existing medical condition is covered unless the condition has been declared to and accepted in writing by the insurer prior to the trip and prior to each renewal; a medical screening line/online screening is available.
Winter Sports Cover
€150 – €500
An optional add-on (extra premium required) not available on Bronze; covers inability to ski/ski hire, owned/hired equipment, piste closure and avalanche/landslide, with equipment limits of €200 (Silver), €300 (Gold) and €500 (Platinum), and other sub-benefits scaling similarly by tier.
Hazardous / Adventure Activities Cover
Optional
Over 100 activities are covered at no extra premium as standard; higher-risk activities (e.g. scuba diving beyond certain depths, skydiving, hang-gliding, rock climbing) require prior notification and an additional premium as listed in the Hazardous Activities table.
Pregnancy Complications
Conditional
Cover applies only to specifically defined complications of pregnancy or childbirth (e.g. pre-eclampsia, ectopic pregnancy, miscarriage, emergency Caesarean); routine pregnancy or childbirth claims are excluded unless a doctor confirms a qualifying complication.
Personal Liability
€500K – €2M
Personal liability abroad is covered up to €500,000 on Bronze, €750,000 on Silver, and €2 million on Gold and Platinum.
Legal Expenses
€5K – €25K
Legal costs and expenses in pursuit of compensation for death, illness or personal injury during the trip are advanced up to €5,000 on Bronze, €15,000 on Silver, €20,000 on Gold, and €25,000 on Platinum, plus telephone legal advice on any Trip or Home-related legal issue.
24/7 Emergency Assistance
Covered
A 24-hour emergency medical assistance service operates 365 days a year, plus TravelGP, a free 24/7 online GP consultation service included on all policies.
Section: Contact information > Emergency contact overseas
In the event of an emergency overseas, call +353 91 545908
Key conditions
Assistance call deadline
Prior consent from MAWDY must be obtained before incurring medical expenses over €500 or before curtailing/extending a trip due to bodily injury or illness; if physically unable to contact them immediately, contact must be made within 48 hours.
Unauthorized treatment
Failure to obtain prior authorisation before incurring expenses over €500, or delay in notifying a claim beyond 30 days of return, may impact or prevent payment of the claim.
Purchase while abroad
The policy is only available to residents of the Republic of Ireland who are currently in Ireland and have been resident there for at least 6 of the past 12 months; cover cannot commence once the insured person has already left Ireland.
Chronic conditions
Chronic or pre-existing medical conditions are excluded from cover unless declared to and accepted in writing by the insurer before each trip and at each renewal.
Pregnancy
Cancellation is covered if the insured becomes pregnant after purchase and will be more than 32 weeks pregnant (24 weeks for multiples) during the trip, or is advised unfit to travel; otherwise only specifically defined pregnancy complications are covered.
Pre-existing condition exclusions
No claim arising from a pre-existing medical condition is covered unless it has been declared to and accepted in writing by the insurer for the current period of insurance.
Coverage duration limit
Single Trip cover: up to 365 days if aged 65 or under, or up to 31 days per trip if aged 66-86. Annual Multi-trip cover: each trip is limited to 31 days (Bronze/Silver), 45 days (Gold) or 60 days (Platinum), or 31 days if aged 66+, with a total of up to 183 days abroad per policy year.
Direct payment
InsureandGo/MAWDY contacts hospitals or doctors abroad directly and guarantees the appropriate fees, removing the need for the policyholder to pay out of pocket for larger claims, though minor claims of €500 or less should be paid by the traveller and then reclaimed within 30 days of returning home.
Territorial scope
The specific area purchased (Area 1-4) is shown on the Insured Person's Insurance Certificate; cover is only available to residents of the Republic of Ireland who are in Ireland at the time of purchase.
Documents
Policy specifics
Medical Expenses Coverage Limit
Coverage up to €10 million in medical expenses, emergency medical or dental bills and repatriation to the Republic of Ireland, with maximum extent available on premium tier selection
SourceClause 1Section: What Does Our Travel Insurance Cover You For?
We will cover you for up to €10 million* in medical expenses , emergency medical or dental bills and repatriation to the Republic of Ireland.
Trip Cancellation Cover
Coverage for up to €7,500 of the cost of holiday if cancellation occurs due to unexpected illness, injury, death or redundancy
SourceClause 2Section: What Does Our Travel Insurance Cover You For?
You are covered for up to €7,500* of the cost of your holiday if something unexpected happens (for example, an illness, injury, death or redundancy) and you need to cancel your trip or cut it short.
Baggage and Personal Belongings Cover
Coverage up to €2,500 for personal belongings if damaged, lost or stolen during trip
SourceClause 3Section: What Does Our Travel Insurance Cover You For?
If your personal belongings are damaged, lost or stolen, you are covered for up to €2,500.
Age Eligibility for Single Trip
Travellers aged 66 to 86 can be insured on a Single Trip policy with maximum trip length of 31 days. Travellers aged 65 or under can have trips up to 365 days.
SourceSection: Single Trip Travel Insurance > What is the maximum age for a Single Trip travel insurance policy?
We can insure travellers aged 66 to 86 on a Single Trip policy, with a maximum trip length of 31 days.
Medical Screening Requirement
Online medical screening is required at point of purchase or via Medical Screening Line to assess coverage for pre-existing medical conditions
SourceResidency Requirement
Resident of the Republic of Ireland defined as someone who has lived in Ireland for at least 6 of the past 12 months
SourceSection: Common FAQs > What counts as a resident of the Republic of Ireland for travel insurance?
A resident of the Republic of Ireland is someone who has lived here for at least 6 of the past 12 months.
Cooling-off Period
14-day cooling-off period after buying policy for full refund if no travel or claims have occurred
SourceSection: Claims & Complaints > What are my cancellation rights after buying a policy?
You have a 14-day cooling-off period after buying your policy. If you cancel within this time, you'll get a full refund, as long as you haven't travelled or made a claim.
Medical Emergency Notification Requirement
For medical emergencies, prior authorization from InsureandGo must be obtained before incurring expenses exceeding €500. Emergency contact must be made as quickly as possible and within 48 hours if physically unable to contact immediately.
SourceSources
InsureandGo Travel insurance