Laya Healthcare Travel insurance (Single Trip Annual Multi Trip)

Section B1 covers necessary and reasonable costs from illness, injury or death during the trip, including emergency medical, surgical and hospital treatment and ambulance costs, up to an aggregate sum insured of €5,000,000, subject to a €90 excess per person per incident.

Emergency medical, surgical and hospital treatment and ambulance costs are covered within the overall Section B1 aggregate sum insured of up to €5,000,000; no separate sub-limit is stated.

Section B2 pays €15 for each complete 24-hour period spent as an inpatient abroad, up to a maximum of €2,000, for Single Trip / Annual Multi Trip policies; no excess applies. Not payable once you return to the Republic of Ireland.

Outpatient treatment abroad is covered within the Section B1 aggregate of €5,000,000; AIG Assistance Services must be contacted immediately if outpatient treatment is likely to cost more than €700, otherwise cover may be refused or reduced.

Up to €300 for emergency dental treatment abroad, as long as it is for the immediate relief of pain only, within Section B1.

Ambulance costs and the cost of an earlier-than-planned return to the Republic of Ireland, if medically necessary and authorised by AIG Assistance Services, are covered within the overall Section B1 aggregate of €5,000,000; no separate sub-limit is stated.

If you cannot return to the Republic of Ireland as originally planned and AIG Assistance Services approve, extra accommodation and travel expenses to return you (and, if medically necessary, an escort or a relative/friend) home are covered within the Section B1 aggregate of €5,000,000.

Up to €7,000 for the cost of returning your body or ashes to the Republic of Ireland, or up to €3,000 for funeral and burial expenses in the country of death, if death occurs outside the Republic of Ireland.

Search and rescue costs charged by a government, regulated authority or private organisation connected with finding and rescuing an individual are excluded under Section B1 (this exclusion does not extend to medical evacuation costs by the most appropriate transport).

Claims relating to pre-existing medical conditions are excluded if you do not hold private medical insurance, and claims relating to pre-existing conditions not covered by your private medical insurance policy are also excluded if you do hold such cover; general exclusions also bar claims relating to any medical condition or illness known about before buying the insurance.

Available as an optional extra for an additional premium, for trips up to 17 consecutive days (Single Trip) or 17 days in total per year (Annual Multi Trip): winter sports equipment up to €500, equipment hire up to €25/day (max €200), lift pass up to €200, ski pack up to €200, piste closure up to €20/day (max €200), and avalanche cover up to €250.

Named activities in List 1 and List 2 are covered provided safety guidelines are followed, the activity is not the main purpose of the trip, is not part of a competition, and is not undertaken professionally; List 2 activities (e.g. horse riding, hot-air ballooning, jet skiing, motorcycling over 50cc) are covered but excluded from Section H (Personal accident) and Section I (Personal liability).

Pregnancy-related medical costs are covered within Section B1 provided you are not more than 26 weeks pregnant at the start of or during the trip; becoming pregnant after buying the policy and being more than 26 weeks pregnant during the trip, or a doctor advising you unfit to travel due to pregnancy complications, can instead trigger cancellation cover under Section A.

Section I pays up to €2,000,000 if you are legally liable for accidentally injuring someone or damaging/losing someone else's property, subject to a €250 excess per person per incident. Does not apply to trips taken within the Republic of Ireland.

Section J pays up to €25,000 for legal costs and expenses arising from claims for compensation and damages resulting from your death, illness or injury during the trip, subject to a €250 excess per person per incident. Does not apply to trips taken within the Republic of Ireland.