Staysure Travel insurance (Staysure Travel Insurance)

Basic cover pays up to €5,000,000 for emergency medical treatment abroad; Comprehensive cover is unlimited. Costs above €350 must be pre-authorised by Staysure Assistance except in genuine emergencies.

Medical expenses for the immediate needs of an unforeseen medical emergency, when deemed necessary by a doctor and agreed by Staysure's medical officer: up to €5,000,000 Basic / unlimited Comprehensive.

Comprehensive cover only: €50 for each complete 24-hour period as an in-patient abroad, up to €1,000, if treated under a reciprocal health agreement such as EHIC. No cover is available under Basic cover.

Outpatient treatment is covered within the overall Emergency Medical & Repatriation Expenses limit (€5,000,000 Basic / unlimited Comprehensive). Outpatient treatment likely to cost more than €350 must be authorised in advance by Staysure Assistance.

Emergency dental treatment for immediate relief of pain, or emergency repairs to dentures/orthodontic appliances: up to €250 Basic / €400 Comprehensive. Replacement/repair of false teeth or dental work using precious metal is excluded.

Transportation to the nearest suitable hospital for an unforeseen medical emergency is included within the Section 3a Emergency Medical & Repatriation Expenses limit (€5,000,000 Basic / unlimited Comprehensive).

Additional travelling costs to repatriate the insured person home when recommended by Staysure's medical officer, including the cost of a medical escort, are covered within the Section 3a limit (€5,000,000 Basic / unlimited Comprehensive).

Up to €5,000 for the usual and customary burial or cremation of a deceased insured person abroad, or the cost of returning the insured person's body or ashes to Ireland; funeral costs must be authorised in advance by Staysure Assistance.

The policy explicitly excludes any search and rescue costs (General Exclusion 24).

Where the Department of Foreign Affairs has not advised against travel, Section 13 extends Emergency Medical & Repatriation cover (same limits as Section 3a: €5,000,000 Basic / unlimited Comprehensive) to insured persons who test positive for COVID-19, plus a self-isolation benefit of €20 per 24-hour period up to €300, and extends Cancellation/Cutting Short Your Trip cover up to the Table of Benefits limits.

Pre-existing medical conditions are not covered unless declared in full at purchase or renewal and accepted by Staysure in writing; conditions that are undiagnosed, awaiting tests/surgery, or have received a terminal prognosis can never be covered.

Comprehensive policies only, for travellers aged 70 or under. Sub-limits: Winter Sport Equipment up to €500 (single article €300); Ski Pass up to €250; Equipment Hire €20/day up to €300; Ski Pack up to €250; Equipment Delay €20/day up to €300; Piste Closure €20/day up to €200; Avalanche/Landslide €20/day up to €160. Standard/included on Annual Multi-Trip Comprehensive policies (up to 2 trips, 21 days combined, under age 71); available as a paid add-on on Single Trip and Long Stay Comprehensive policies.

Many sports and activities (e.g. golf, cycling, scuba diving to stated depths, jet skiing) are covered as standard on a non-professional, non-competitive basis. Activities marked with an asterisk exclude Personal Accident and Personal Liability cover. A list of high-risk activities (e.g. bungee jumping, big game hunting, mountaineering, skydiving, base jumping) is entirely excluded.

Only specifically defined complications (e.g. toxaemia, ectopic pregnancy, placental abruption, hyperemesis gravidarum, medically necessary emergency Caesarean section) are covered under the Emergency Medical & Repatriation limit (€5,000,000 Basic / unlimited Comprehensive); normal pregnancy and childbirth without complications is not covered.

€2,000,000 cover is included as standard on Comprehensive policies; on Basic cover it is available only as an optional extra subject to an additional premium being paid and shown on the Validation certificate. No cover applies for trips taken solely within Ireland, and no liability cover applies if the insured uses any mechanically propelled vehicle.

No standalone legal expenses/legal assistance benefit is described in the policy wording or IPIDs; Section 8 Personal Liability only covers legal costs incurred in defending or contesting a liability claim, not general legal assistance.