Allianz Partners Travel insurance (Irish Life Health Travel Insurance)

Covers necessary and unforeseen emergency medical and associated expenses if the policyholder dies, is injured, has an accident or falls ill during the journey, including diagnosis with an epidemic or pandemic disease such as COVID-19. Irish Life Health covers in-patient emergency costs up to the amount set out in its own Table of Cover; Allianz Partners then covers any amount above €100,000, up to €5 million in total, and pays the full amount up to €5 million where the claim relates to a winter sports injury (which the Irish Life Health policy does not cover at all).

Emergency treatment costs incurred abroad are guaranteed via the 24-hour emergency medical assistance line, which contacts hospitals or doctors and guarantees payment of fees where there is a valid claim, forming part of the overall emergency medical and associated expenses limit of up to €5 million (above the €100,000 covered by the underlying Irish Life Health policy).

In-patient hospital costs while on a pre-booked temporary stay abroad are covered up to a specified amount under the Irish Life Health Table of Cover, with Allianz Partners covering additional amounts above €100,000, up to €5 million in total.

The policy documents do not separately distinguish outpatient treatment from the general emergency medical and associated expenses benefit.

The IPID summary of cover confirms that dental costs incurred as part of an emergency medical claim are covered, within the overall emergency medical and associated expenses limit of up to €5 million; no separate dental sub-limit is stated.

Where the insurer's medical advisers determine it is in the policyholder's medical interest to be brought home or to a hospital/nursing home in the home country, transport is normally arranged by regular airline or road ambulance via the 24-hour emergency medical assistance service, forming part of the overall emergency medical and associated expenses limit of up to €5 million.

Where medically necessary in very serious or urgent cases, the insurer will use an air ambulance to transfer the policyholder home, after consulting the treating doctor and the insurer's own medical advisers; this forms part of the overall emergency medical and associated expenses limit of up to €5 million.

The IPID summary of cover confirms that funeral costs incurred following the policyholder's death abroad are covered within the overall emergency medical and associated expenses limit of up to €5 million.

Under the winter sports section, emergency medical and associated expenses up to €5 million include mountain search and rescue service costs when deemed medically necessary.

Emergency medical and associated expenses cover extends to being diagnosed with an epidemic or pandemic disease such as COVID-19, as well as being subject to compulsory quarantine on the orders of a treating doctor, within the overall €5 million limit. Cancellation/curtailment cover also applies if the policyholder or a travelling companion is held in quarantine based on suspected exposure to a contagious disease including COVID-19.

The conditions and exclusions relating to the policyholder's Irish Life Health Insurance policy also apply to this travel policy. Any medical claim that is not covered by the underlying Irish Life Health policy, including pre-existing conditions excluded under that policy, is excluded from this travel cover.

Under the current (08/24) policy wording, winter sports activities (skiing, snowboarding, big-foot skiing, cross-country skiing, glacier skiing, mono-skiing, sledging, snow blading and tobogganing, including off-piste skiing within a recognised resort's boundaries) are covered automatically for up to 31 days in total during the period of insurance, with no separate premium required. Cover includes emergency medical and associated expenses up to €5 million, ski pack up to €400, own ski equipment up to €650, hired ski equipment up to €300, delayed ski equipment up to €20/day (max €300), and avalanche closure up to €50/day (max €200). A prior policy edition (ref 4828TVL, 08/21) required the policyholder to call the insurer and pay an additional premium, shown on the policy schedule, before this section applied.

A defined list of sports and leisure activities is automatically covered (e.g. cycling, hiking, mountain biking, scuba diving up to 30 metres with a certificate or qualified instructor, surfing, water skiing, windsurfing, etc.). Any professional sporting activity, any kind of racing other than on foot, and any manual work are excluded. Activities not on the list are only covered if the insurer has confirmed cover for them in writing in advance.

Pregnancy or pregnancy complications are not mentioned in any of the reviewed policy documents.

Covers up to €1 million, plus any other costs the insurer agrees to in writing, for bodily injury to any person, loss of or damage to property the policyholder does not own (and has not hired, loaned or borrowed), or loss of or damage to the accommodation used on the journey that does not belong to the policyholder or a relative. Subject to a €75 excess and exclusions including employment-related liability, use of firearms/weapons, animals, contractual liability, and use of motorised/mechanical vehicles, aircraft or watercraft.

No standalone legal assistance/legal expenses benefit for the policyholder is described; the policy only reserves the insurer's own right to take legal action in the policyholder's name, at the insurer's expense, to recover payments it has made.