its4women Travel insurance (Its4women Travel Insurance)
Underwritten by AIG Europe S.A. · Ireland
travel insurance from its4women for the Ireland market, with online purchase and 24/7 assistance.
Verified Aug 31, 2026 · Terms dated 2025-11-30Sources
Unique selling points
its4women offers three selectable travel cover tiers (Budget, Premier and Premier Plus) so customers can tailor cover to their trip and budget.
Policyholders have access to 24/7 emergency assistance to help them get back on track wherever they are travelling.
Customers who already hold private health insurance covering medical expenses abroad can select the 'Medicare Extra' option to avoid paying for duplicate medical cover.
Higher tiers (Premier and Premier Plus) add benefits such as winter sports cover, a hospital benefit allowance, and cutting-your-trip-short protection not available on the Budget tier.
its4women has over 20 years of experience insuring women and their partners across Ireland, serving more than 130,000 customers.
Coverage limits
Medical expenses outside Ireland
Covered
No limit stated
Core travel insurance benefit covering emergency medical expenses incurred while travelling outside Ireland; customers with existing private health insurance covering medical expenses abroad can select the 'Medicare Extra' option instead.
Section: What Does its4women Travel Insurance Cover?
Medical Expenses
Emergency medical treatment
Covered
No limit stated
Included as part of the core medical expenses cover for medical emergencies arising abroad; specific monetary limit not disclosed on the product page.
Section: We Have Three Levels Of Travel Insurance - Budget, Premier & Premier Plus
Medical & other expenses outside of Ireland €2,000,000 €100 excess €5,000,000 €100 excess Unlimited No excess
Hospital benefit
Conditional
No limit stated
A daily hospital benefit allowance while hospitalised during a trip, included in the Premier cover tier.
Section: We Have Three Levels Of Travel Insurance - Budget, Premier & Premier Plus
Hospital benefit – €15 per day up to €2,000 €15 per day up to €3,000
Outpatient treatment
No limit stated
Not addressed as a distinct benefit in the available product materials.
Emergency dental treatment
No limit stated
Not addressed as a distinct benefit in the available product materials.
Medical transport
No limit stated
Not addressed as a distinct benefit in the available product materials.
Medical evacuation
No limit stated
Not addressed as a distinct benefit in the available product materials.
Repatriation of remains
No limit stated
Not addressed as a distinct benefit in the available product materials.
Search and rescue
No limit stated
Not addressed as a distinct benefit in the available product materials.
COVID-19 treatment
No limit stated
Not addressed as a distinct benefit in the available product materials.
Pre-existing medical conditions
Excluded
Claims are excluded for medical problems that existed before cover started, applying to the insured person, anyone travelling with them, relatives, or business associates on whose health the trip depends.
Winter sports cover
Optional
Available as an optional additional cover for Premier or Premier Plus policyholders for an additional premium, covering winter sports activities for the duration of the trip.
Sports and activities cover
Conditional
Cover for certain sports and activities is available provided the traveller follows safety guidelines and uses recommended safety equipment, the activity is not the main purpose of the trip, and it is not part of a competition or tournament; sections G (Personal accident) and H (Personal liability) do not apply to certain higher-risk activities.
Pregnancy complications
No limit stated
Not addressed as a distinct benefit in the available product materials.
Personal liability cover
Covered
Section H coverage for legal liability arising from injury or damage caused by the insured person, subject to restrictions for certain activities and sports.
Section: We Have Three Levels Of Travel Insurance - Budget, Premier & Premier Plus
Personal liability €500,000 €250 excess €2,000,000 €250 excess €2,000,000 No excess
Legal expenses
Optional
Legal expenses cover is available as an optional additional cover for an extra premium.
Section: We Have Three Levels Of Travel Insurance - Budget, Premier & Premier Plus
Legal expenses €5,000 €250 excess €25,000 €250 excess €50,000 No excess
Key conditions
Pre-existing condition exclusions
This insurance contains conditions relating to your health, the health of people travelling with you, and other persons on whose health your trip depends (such as a relative or business associate); claims arising from medical problems that existed before cover started are not covered. If there is a change in health status after buying the policy but before travelling, you must contact AIG Customer Service immediately.
Coverage duration limit
Single trip cover is available for a trip of up to 120 days; annual multi-trip cover allows unlimited trips within the policy period provided no single trip exceeds the limit of the cover chosen; extended stay cover is available for a single trip of up to 12 months.
Direct payment
Not confirmed on its4women's own materials. Under AIG's Irish travel policies (the underwriter for its4women), AIG Assistance Services must authorise payment of in-patient hospital, clinic or nursing home expenses in advance; unauthorised claims may not be paid.
Territorial scope
No cover for loss, injury, damage or legal liability arising from planned or actual travel in, to, or through Cuba, Iran, Syria, North Korea, or the Crimea, Donetsk and Luhansk regions of Ukraine
Documents
Standard Policy Document (v1.5, effective 30/11/2025) (opens in a new tab)
Terms & conditions · PDF
Insurance Product Information Document (IPID, v1.3, effective 26/01/2023) (opens in a new tab)
Product information sheet · PDF
Key Benefits, Limits & Exclusions (v1.1, effective 01/01/2021) (opens in a new tab)
Table of benefits · PDF
Endorsements (v1.0, effective 01/01/2020) (opens in a new tab)
Other document · PDF
Policy specifics
Trip cancellation cover
Available coverage for cancelling your trip with limits varying by cover tier
SourceSection: We Have Three Levels Of Travel Insurance - Budget, Premier & Premier Plus
Cancelling your trip €1,000 €90 excess €5,000 €90 excess Final Invoice Cost No excess
Personal belongings and baggage
Coverage for loss or damage to personal belongings and baggage during travel
SourceSection: We Have Three Levels Of Travel Insurance - Budget, Premier & Premier Plus
Personal belongings and baggage €500 €90 excess €2,000 €90 excess €2,500 No excess
Travel delay cover
Coverage for delays to flights or other travel arrangements
SourceSection: We Have Three Levels Of Travel Insurance - Budget, Premier & Premier Plus
Travel delay – €15 per 12hrs up to €300 €15 per 12hrs up to €500
Missed departure cover
Coverage when you miss your scheduled departure
SourceSection: We Have Three Levels Of Travel Insurance - Budget, Premier & Premier Plus
Missed departure €300 €90 excess €800 €90 excess €1,000 No excess
Personal accident cover
Coverage for accidental death or bodily injury during travel
SourceSection: We Have Three Levels Of Travel Insurance - Budget, Premier & Premier Plus
Personal accident €10,000 €25,000 €30,000
Hospital benefit
Daily allowance while hospitalized during trip
SourceSection: We Have Three Levels Of Travel Insurance - Budget, Premier & Premier Plus
Hospital benefit – €15 per day up to €2,000 €15 per day up to €3,000
Cutting your trip short
Coverage for returning home early due to unexpected events
SourceSection: We Have Three Levels Of Travel Insurance - Budget, Premier & Premier Plus
Cutting your trip short €1,000 €90 excess €5,000 €90 excess Final Invoice Cost Nil
Passport and travel documents
Coverage for replacement of lost or stolen passport and travel documents
SourceSection: We Have Three Levels Of Travel Insurance - Budget, Premier & Premier Plus
Passport and travel documents €150 €90 excess €300 €90 excess €300 No excess
Legal expenses
Coverage for legal expenses arising during travel
SourceSection: We Have Three Levels Of Travel Insurance - Budget, Premier & Premier Plus
Legal expenses €5,000 €250 excess €25,000 €250 excess €50,000 No excess
Geographic exclusions
No cover for travel to or through Cuba, Iran, Syria, North Korea, or Crimea/Donetsk/Luhansk regions of Ukraine
SourceSection: Where we provide cover for?
This travel policy will not cover any loss, injury, damage or legal liability arising directly or indirectly from any planned or actual trip in, to or through Belarus, Cuba, Iran, Syria, North Korea, Russia or the Crimea, Donetsk People’s Republic (DNR), or Luhansk People’s Republic (LNR) regions of Ukraine.
Sports and activities restrictions
Limited cover or no cover for certain sports and high-risk activities; Personal accident (Section G) and Personal liability (Section H) have specific exclusions
SourceSources
its4women Travel insurance