Extracted from source documents

123.ie Travel insurance (Travel Insurance Bronze Gold Platinum)

Underwritten by MAWDY (MAPFRE ASISTENCIA Compañia Internacional De Seguros Y Reaseguros, S.A.) · Ireland

travel insurance from 123.ie for the Ireland market, with online purchase and 24/7 assistance.

Last verified Aug 31, 2026Sources

Online purchase24/7 helpline

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

Covered

Medical & Emergency Travel Expenses

€2M – €10M

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).

Clause Section 2Page [2]

Section: Schedule of cover > Continued

Medical* €5million €95 €95 €95 €0 €10million €450 €2,000 €25 for every 24 hours up to €200 €0

Covered

Emergency Medical Treatment

€2M – €10M

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).

Clause Section 2Page [10]

Section: Section 2 – Medical and Other Expenses incurred abroad

We will cover You under this Policy up to the amount shown on Your Schedule of Cover per Insured Person* who suffers a sudden and unforeseen Bodily Injury or Illness or dies during a Trip.

Covered

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).

Clause Section 2APage [11]

Section: Section 2 – Medical and Other Expenses incurred abroad > 2A Additional Hospitalisation Benefit

If, during Your Trip You are admitted as an in-patient to hospital for more than 24 hours, on the recommendation of a Medical Practitioner, We will pay a benefit of the amount shown on Your Schedule of Cover per day up to a maximum of the amount shown on Your Schedule of Cover.

Covered

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.

Clause Section 2Page [11]

Section: Section 2 – Medical and Other Expenses incurred abroad

Included are doctor's fees, hospital expenses, inpatient and outpatient medical treatment and charges for medical transportation to the nearest suitable hospital abroad, where deemed necessary by a recognised Medical Practitioner.

Covered

Emergency Dental Treatment

€200 – €450

Covers emergency dental treatment for immediate relief of pain or emergency denture repairs: €200 (Bronze), €450 (Gold and Platinum).

Clause Section 2Page [11]

Section: Section 2 – Medical and Other Expenses incurred abroad

Costs of providing emergency dental treatment for the immediate relief of pain and/or emergency repairs to dentures or artificial teeth carried out solely to alleviate distress in eating up to the amount shown on Your Schedule of Cover.

Covered

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.

Clause Section 2Page [11]

Section: Section 2 – Medical and Other Expenses incurred abroad

Included are doctor's fees, hospital expenses, inpatient and outpatient medical treatment and charges for medical transportation to the nearest suitable hospital abroad, where deemed necessary by a recognised Medical Practitioner.

Covered

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.

Clause Section 2Page [11]

Section: Section 2 – Medical and Other Expenses incurred abroad

Additional travelling costs to repatriate You Home where recommended by the Senior Medical Officer. We will pay the additional travelling and accommodation costs for one person to remain with You if it is medically necessary for You to stay beyond Your scheduled return date.

Covered

Burial Abroad / Repatriation of Remains

€2K

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).

Clause Section 2Page [11]

Section: Section 2 – Medical and Other Expenses incurred abroad

Expenses incurred up to the amount shown on Your Schedule of Cover for burial or cremation of a deceased Insured Person abroad or repatriation to Ireland of the deceased Insured Person's body or ashes.

Search and Rescue

No limit stated

No dedicated search and rescue benefit is described in the policy documents.

Conditional

COVID-19 Treatment Abroad

€2K

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.

Clause Section 2Page [11]

Section: Section 2 – Medical and Other Expenses incurred abroad

In the event of a positive diagnosis (confirmed by a PCR test or medical certificate from a Medical Practitioner) of COVID abroad, the Policy will cover reasonable additional transport (economy class) and/or accommodation expenses incurred, up to the standard of Your original booking if You must extend Your stay, up to the amount of €2,000.

Conditional

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.

Page [4]

Section: Strict Medical Health Requirements

No claim arising directly or indirectly from any Pre-Existing Medical Condition affecting You will be covered unless that condition has been declared to Us and accepted by Us in writing.

Optional

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.

Clause Section 11(a)Page [15]

Section: Section 11 – Winter Sports

11(a) Inability to Ski The cover includes financial loss You suffer concerning Irrecoverable deposits or payments You have made (or have contracted to pay) for Your ski pack that You cannot recover if you have to register a claim under Section 1 - Cancellation and Curtailment.

Conditional

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.

Page [15]

Section: Section 12 Hazardous Activities

We will not cover any activity considered to be dangerous unless specifically agreed with Us or included in the list below. We will not cover any sport undertaken professionally.

Conditional

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).

Page [5]

Section: Definitions > Complications of Pregnancy or Childbirth

In this policy 'complications of pregnancy or childbirth' will only include the following: Toxaemia (toxins in the blood) ... Premature birth more than 8 Weeks (or 16 Weeks if You know You are having more than one baby) before the expected delivery date

Covered

Personal Liability

€1M – €2M

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).

Clause Section 6Page [13]

Section: Section 6 – Personal Liability

We will pay up to the maximum of the amount shown on Your Schedule of Cover under this Policy (including costs). This limit applies to any and all claimants in any one Period of Insurance affected by any and all occurrences with any one original cause.

Covered

Legal Expenses

€15K – €20K

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).

Clause Section 7Page [14]

Section: Section 7 – Legal Expenses

We will provide telephone advice, guidance and assistance on any legal issue(s) that arises in connection with a Trip or in connection with Your Home.

Covered

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.

Page [5]

Section: What to do in the Event of an Emergency

We provide a 24-hour emergency service 365 days a year, and You can contact Us on +353 91 501 674.

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.

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.

Territorial scope

Cover applies within the geographical area selected and shown on the Insurance Certificate; trips must begin and end in Ireland (except one-way trips)

Documents

Travel Insurance Policy Wording Booklet (opens in a new tab)

Terms & conditions · PDF

What We Cover - Travel Insurance Benefits Summary (opens in a new tab)

Table of benefits · PDF

Travel & Holiday Insurance Policy Documents Page (opens in a new tab)

Other document · PDF

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)

Source

Section: Platinum

Medical & Emergency travel expenses up to €10,000,000 .

Trip Cancellation

Coverage for trip cancellation due to specific unforeseen events such as illness, injury, or death affecting the policyholder, travelling companion, or relative

Source

Section: FAQs

No, 123.ie Travel Insurance only covers cancellations for specific unforeseen events, such as illness, injury, or death affecting you, your travelling companion, or a relative.

Personal Accident

Coverage for personal accident. Limits vary by tier: up to €40,000 (Platinum), €20,000 (Gold), €10,000 (Bronze)

Source

Section: Platinum

Personal accident up to €40,000 .

Personal Belongings and Baggage

Coverage for loss or damage to personal belongings and baggage. Single article limit €350

Source

Single article limit €350

Travel Delay

Coverage for costs incurred due to travel delay

Source

Section: Platinum

• Travel delay.

Abandoned Trip / Trip Curtailment

Coverage for abandoned trips or curtailment of trips after departure

Source

Section: Platinum

• Abandoning your trip.

Personal Money and Travel Documents

Coverage for loss of personal money and travel documents

Source

Section: Platinum

• Personal Money and Travel documents.

Policy 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

Source

Section: FAQs

For Non-Medical Claims

Pre-Existing Medical Condition Exclusion

Any medical condition requiring treatment, consultation, or prescribed medication within 2 years prior to cover commencement is excluded

SourcePage [6]

Section: Definitions > Pre-existing Medical Condition

Pre-existing Medical Condition: Any medical or psychological sickness, disease, condition, injury or symptom of which You are aware, or that has affected You, which has required treatment, medical consultation (s) or investigation (s), or prescribed medication at any time during the last 2 years prior to the commencement of cover under this Policy/Schedule of Cover

Department 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

Source

Age 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

Source

Section: FAQs

If you're aged 65 or under, your Single Trip Travel Insurance cover can stretch up to 365 days. For anyone aged 66 or over, the maximum trip duration is 31 days.

Age 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

Source

Section: What is Annual Multi-Trip Travel Insurance?

If you are aged 66 and over, the maximum trip duration is 31 days on a Platinum policy.

Residency 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

Source

Section: Travel Insurance - Before you Insure > Can I purchase cover if I live outside Ireland?

No, we’re sorry, but you and all other persons insured must be currently residing in the Republic of Ireland and must have lived here for at least six of the last 12 months.

Cooling-Off Period

A 14-day cooling-off period applies from the date the policy is issued. If the period of insurance is less than 31 days, no cooling-off period applies.

SourcePage [3]

Section: Special Notes > Cancellation & Cooling-Off Period

If after reading this Policy You are not satisfied with it for any reason, You may cancel the Policy by giving Us notice in writing within 14 days of issue and you will receive a full refund of premium. However, where a claim has been made or travel has commenced then we reserve the right to retain the premium, subject at all times to applicable law. If the period of insurance is less than 31 days, the cooling-off period does not apply.

Ireland 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

SourcePage [7]

Section: Definitions > Trip

Any Trip solely within Ireland is only covered in respect of cancellation / curtailment and where you have pre-booked at least 2 nights' accommodation rented for a fee.

COVID-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

Source

Section: FAQs

you, your travelling companion or any person hosting you during your trip receives a COVID diagnosis within 14 days before the start date of the trip, or if admitted to hospital with a COVID diagnosis within 28 days before the start date of the trip.

Underwriter: MAPFRE

123.ie Travel Insurance policies are underwritten by MAPFRE, not by Intact Insurance Ireland DAC

Source

Section: Travel Insurance - My Policy Documents > Why does my letter say Intact Insurance and not 123.ie?

Travel and Health insurance policies are underwritten by MAPFRE and Irish Life Health respectively.

Sources

123.ie Travel insurance

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