RSA Insurance Ireland Designated Activity Company (RSA Insurance Ireland DAC), trading as RSA / Intact Insurance
123.ie
123.ie is a travel insurance for the Ireland market with online purchase and 24/7 assistance.
Direct payment
Hospitals or doctors abroad are contacted directly by the insurer and their fees guaranteed, removing the need for the policyholder to pay out of pocket for major medical expenses; however claims valued at €500 or less should be paid by the policyholder and reclaimed within 30 days of return.
Geographic scope
Four selectable geographical areas: Area 1 (UK, Channel Islands, Isle of Man), Area 2 (Continental Europe west of the Urals plus Mediterranean islands/coast, excluding Algeria, Israel, Jordan, Libya, Lebanon, Syria), Area 3 (Worldwide excluding USA and Canada), Area 4 (Worldwide including USA and Canada)
Cover applies within the geographical area selected and shown on the Insurance Certificate; trips must begin and end in Ireland (except one-way trips)
Unique selling points
- Platinum cover offers Medical & Emergency Travel Expenses up to €10,000,000, well above the entry-level Bronze limit of €2,000,000.
- Platinum policies include an automatic Excess Waiver, reducing the policy excess to €0 across almost all sections.
- Real-Time Flight Delay benefit (Gold/Platinum) sends an SMS/email offering a VIP lounge pass or €30 cash payment when a flight is delayed 3+ hours.
- TravelGP gives every policyholder free 24/7 online access to a GP for medical advice while abroad.
- A 24-hour, 365-day emergency assistance line supports policyholders with medical emergencies anywhere in the world.
Coverage limits
Medical & Emergency Travel Expenses
€2,000,000 – €10,000,000
Covers reasonable medical expenses abroad including doctor's fees, hospital expenses, inpatient/outpatient treatment and medical transportation. Limits: €2,000,000 (Bronze), €5,000,000 (Gold), €10,000,000 (Platinum).
Emergency Medical Treatment
€2,000,000 – €10,000,000
Section 2 of the policy covers costs necessarily and reasonably incurred abroad following sudden bodily injury or illness, within the same overall Medical Expenses limit: €2,000,000 (Bronze), €5,000,000 (Gold), €10,000,000 (Platinum).
Additional Hospitalisation Benefit
€150 – €200
Daily in-patient benefit if admitted to hospital for more than 24 hours: €15/24hrs up to €150 (Bronze), €20/24hrs up to €150 (Gold), €25/24hrs up to €200 (Platinum).
Outpatient Medical Treatment
Covered
Outpatient medical treatment abroad is covered as part of the overall Medical Expenses benefit (Section 2); no separate sub-limit is stated.
Emergency Dental Treatment
€200 – €450
Covers emergency dental treatment for immediate relief of pain or emergency denture repairs: €200 (Bronze), €450 (Gold and Platinum).
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 Travel Costs
Covered
Additional travelling costs to repatriate the insured person home where recommended by the Senior Medical Officer, plus travel/accommodation for an accompanying person if medically necessary, are covered within the overall Medical Expenses limit.
Burial Abroad / Repatriation of Remains
€2,000
Covers burial or cremation of a deceased insured person abroad, or repatriation of the body/ashes to Ireland, up to €2,000 across all tiers (Bronze, Gold, Platinum).
Search and Rescue
No limit stated
No dedicated search and rescue benefit is described in the policy documents.
COVID-19 Treatment Abroad
€2,000
In the event of a positive COVID-19 diagnosis abroad confirmed by PCR test or medical certificate, reasonable additional transport and/or accommodation expenses are covered up to €2,000 per trip (not per person); no cover applies within 14 days of purchase unless bought within 48 hours of booking, and COVID repatriation is not covered.
Pre-Existing Medical Conditions
Conditional
Any Pre-Existing Medical Condition (as defined, covering the 2 years prior to cover commencement) is excluded from cover unless declared to and accepted in writing by the insurer before each trip or renewal.
Winter Sports Cover
€300 – €500
Optional Section 11 Winter Sports cover (extra premium) includes Inability to Ski/Ski Hire up to €300 (Bronze) or €500 (Gold/Platinum), plus equipment, piste closure and avalanche/landslide benefits.
Hazardous / Adventure Activities Cover
Conditional
A defined list of activities (e.g. archery, canoeing, cycling, scuba diving under 30m) is covered at no extra premium; other listed activities (e.g. bungee jumping, skydiving, rock climbing) require prior notification and an additional premium; unlisted dangerous activities are otherwise excluded.
Complications of Pregnancy or Childbirth
Conditional
Claims arising from pregnancy or childbirth are excluded unless a qualified Medical Practitioner confirms the claim arises from a defined 'Complication of Pregnancy or Childbirth' (e.g. pre-eclampsia, ectopic pregnancy, miscarriage, stillbirth, emergency Caesarean).
Personal Liability
€1,000,000 – €2,000,000
Covers legal liability for accidental bodily injury/death or property damage to third parties during the trip: €1,000,000 (Bronze) or €2,000,000 (Gold/Platinum).
Legal Expenses
€15,000 – €20,000
Provides telephone legal advice plus advances for legal costs pursuing compensation for death, illness or personal injury during the trip: €15,000 (Bronze) or €20,000 (Gold/Platinum).
24/7 Emergency Assistance & TravelGP
Covered
A 24-hour emergency medical assistance line (+353 91 501 674) operates 365 days a year, and TravelGP provides free 24/7 online access to professional GP medical advice for all policyholders.
Key conditions
Assistance call deadline
Prior consent from the insurer must be obtained before incurring any expenses over €500, curtailing or extending a trip due to bodily injury or illness; if physically prevented from contacting the insurer immediately, contact must be made within 48 hours.
Unauthorized treatment
Failure to obtain prior consent for expenses over €500, or to comply with a repatriation decision by the Senior Medical Officer, may result in the insurer withdrawing further cover for that claim.
Purchase while abroad
Any trip that had already begun before the insurance was purchased is not covered, except where an existing Annual Multi-Trip policy is renewed while the trip is already underway.
Chronic conditions
A Pre-Existing Medical Condition includes any cardiac, cardiovascular, hypertensive or cerebrovascular illness, disease, condition or symptom the insured was aware of prior to the start of cover, unless declared and accepted in writing by the insurer.
Pregnancy
Cancellation cover applies if the policyholder becomes pregnant after purchase and will be more than 32 weeks pregnant (24 weeks for a multiple pregnancy) during the trip, or is advised not to travel due to Complications of Pregnancy or Childbirth; ordinary pregnancy/childbirth claims are otherwise excluded.
Pre-existing condition exclusions
No claim arising directly or indirectly 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 and, for Annual Multi-Trip policies, before each trip.
Coverage duration limit
Single Trip cover: up to 365 days if aged 65 or under, maximum 31 days if aged 66 or over. Annual Multi-Trip cover: maximum 31 days per trip (Bronze), 45 days (Gold), 60 days (Platinum), or 31 days if aged 66+ on Platinum, up to a total of 183 days per year.
Where to buy
Policy specifics
Medical & Emergency Travel Expenses
Coverage for emergency medical expenses and associated costs while travelling abroad. Limits vary by tier: up to €10,000,000 (Platinum), €5,000,000 (Gold), €2,000,000 (Bronze)
SourceTrip Cancellation
Coverage for trip cancellation due to specific unforeseen events such as illness, injury, or death affecting the policyholder, travelling companion, or relative
SourcePersonal Accident
Coverage for personal accident. Limits vary by tier: up to €40,000 (Platinum), €20,000 (Gold), €10,000 (Bronze)
SourcePersonal Belongings and Baggage
Coverage for loss or damage to personal belongings and baggage. Single article limit €350
SourceAbandoned Trip / Trip Curtailment
Coverage for abandoned trips or curtailment of trips after departure
SourcePolicy Excess
Excess varies depending on type of claim. Ranges from €0 to €300 for Travel Insurance. Specific excess amounts depend on individual policy and claims type
SourcePre-Existing Medical Condition Exclusion
Any medical condition requiring treatment, consultation, or prescribed medication within 2 years prior to cover commencement is excluded
SourceDepartment of Foreign Affairs Travel Advice Restriction
Cover is not provided for claims where the policyholder has travelled to areas where the Irish Department of Foreign Affairs (DFA) has advised against all or all but essential travel
SourceAge Restriction - Single Trip
For single trip policies: Age 65 and under can purchase up to 365 days trip duration. Age 66 and over maximum trip duration is 31 days
SourceAge Restriction - Multi-Trip Annual
For multi-trip policies: Age 66 and over restricted to maximum 31 days per trip on Platinum policies. Standard limits apply to Bronze/Gold
SourceResidency Requirement
Policyholders must be currently residing in the Republic of Ireland and must have lived there for at least 6 of the last 12 months
SourceCooling-Off Period
14 working day cooling-off period applies. Period runs from policy start date or when documents received, whichever is later
SourceIreland Domestic Trip Restriction
Trips solely within Ireland are only covered for cancellation/curtailment where at least 2 nights accommodation has been pre-booked and rented for a fee
SourceCOVID-19 Claim Conditions
COVID diagnosis within 14 days before trip start or within 28 days hospital admission triggers cancellation cover. COVID-related medical expenses covered subject to DFA travel advice restrictions
SourceUnderwriter: MAPFRE
123.ie Travel Insurance policies are underwritten by MAPFRE, not by Intact Insurance Ireland DAC
Source