How to choose the right travel insurance in Ireland
With so many types of travel insurance on offer, it’s not easy to pick the best for you and your family. Here’s how to ensure you get the right cover at a good price for your holiday or trip abroad.
Types of travel insurance
Travel insurance providers in Ireland tend to offer the choice of:
Other types available are golf travel insurance, long-stay cover and and student travel insurance.
What type of policy do you need?
You need to find a travel policy that’s the right fit for you and your trip, so to start, you’ll need to consider things like:
Single or annual multi-trip cover?
Annual multi-trip cover is more expensive than single trip insurance but could work out cheaper if you travel often. Here’s pros and cons of both:
Single trip travel insurance
A single trip policy insures you for one booked holiday or business trip abroad. Most policies cover trips up to 30 days long, but some offer cover for up to 60 days.
Pros
Cons
Annual multi-trip travel insurance
An annual or multi-trip policy insures you for all your trips in a year. Each policy sets a maximum duration for each trip (usually 30 to 60 days) and a combined total number of days you can be away over the year (around 180 days).
Pros
Cons
Is single trip or annual travel insurance cheapest?
If you have more than two trips planned in the same region, it’s usually cheaper to get an annual policy, but your age and medical history may affect the price. You may need separate policies for European, USA or Worldwide travel.
Other things to consider are:
- Annual cover: You’ll be covered for any nights away in Ireland, too, as long as you’ve pre-booked your accommodation.
- Worldwide: If you plan to travel outside of Europe & the UK, choose an annual policy covering worldwide destinations.
- Maximum duration: Always choose a policy that covers the longest trip you’ll be making, by checking the maximum duration policy details.
What is backpacker travel insurance?
It’s an insurance policy designed for travellers on a long trip or holiday abroad.
Most standard travel policies only offer cover for up to 30 days per trip, but some will cover you for up to 60 days. With backpacker policies, you can
Who should take out backpacker travel insurance?
If you’re planning a holiday or trip that will last for more than a month, then backpacker cover could be the right choice for you. They often have a lower maximum age limit than standard policies, sometimes as low as 35, so you should always check the limit.
Backpacker insurance is well suited to specific groups, including:
- Students
- Gap year travellers
- Anyone on a J1 trip
- Anyone doing a work placement
What extra cover does it offer?
Backpacker insurance offers the same cover as a normal travel policy, including:
- Emergency medical expenses
- Cancellation
- Personal liability cover
- Baggage cover
What extras does it offer for students?
Extras differ from one insurer to another, so always check exactly what’s included with each policy and what you have to pay extra for.
Some policies offer extras to cater to students or for long term travel, for example:
- Working oversea covers: Always check what type of work is covered before you start. Some high-risk work, like operating machinery, may be excluded.
- Adrenaline activities cover: This includes sports and activities like hiking and water sports. Always check exactly what activities are included, as this varies.
- Exam failure cover: If you plan your trip and need to return to Ireland to resit exams, your insurance policy will cover the cost of your flights.
- Natural catastrophe cover: Can offer extra protection if your trip is cut short by a natural disaster or you’re stranded at a destination waiting for a flight.
Winter sports & ski travel insurance
Winter sports and ski travel insurance includes extra protection for activities like skiing, snowboarding and tobogganing.
Some standard travel insurance policies exclude these activities because they’re high risk, and the cost of medical care on the slopes can be very expensive.
You can add winter sports insurance to both single trip and annual policies, but yearly policies usually limit the number of days you’ll be covered, so always check this.
For example, an annual insurance policy may only include 14 days of winter sports each year as standard, so if you’re planning a long trip or several ski breaks, look out for this.
What does it cover?
On top of the cover you get from a standard travel policy, you’ll also get extra protection for things like:
Family travel insurance
Family travel insurance covers your whole family, so you don’t need to take out individual policies.
A family policy is often cheaper than taking out separate cover for each person, plus some insurers let you add children to your policy for free.
What does it cover?
It will cover everything a standard travel policy covers, plus you can include two adults and your dependent children under 18.
Some insurers may restrict the number of children or adults you can include, so if you have:
As with individual policies, you must declare any pre-existing medical conditions any of your family have before getting a quote. Certain conditions mean you won’t be covered, so separate cover could be the best option.
If your children are due to go on school trips abroad, check if they’re covered to travel without the rest of the family. Some policies offer this as standard, but others don’t.
Senior travel insurance
As you reach your 70s and 80s, travel insurance is more expensive and often more complicated. This is because older people are more likely to need medical care whilst on holiday and, therefore, pose a greater financial risk for insurers.
Some standard travel insurance policies only cover those up to 65 years old. Travel cover when you’re over 65 is still possible, but expect to pay more and make sure you disclose any pre-existing conditions.
Please read our guide How to get travel insurance as you get older to learn more about restrictions, age limits and senior travel insurance providers.
What level of cover do you need?
Firstly, check what your home insurance and private health insurance policies already cover you for and whether you have travel insurance through your credit card or current account. If so, make sure it offers enough cover for your trip.
Most insurers offer three levels of cover for each type of policy, ranging from basic, the cheapest, to premium, the most expensive.
Premium policies offer higher cover limits, and they tend to cover you for more eventualities. For example, a premium policy often includes cover for winter sports which is of no use to you if you’re going on a sunny holiday to Spain.
Don’t scrimp on essentials like medical expenses but don’t pay extra for cover you don’t need.
Choose the right level of excess
The excess is the amount you agree to pay towards a claim, so the higher the excess, the cheaper the policy.
A basic level policy may have an excess of around €150, however, some premium travel insurance policies offer zero excess, so you won’t have to pay anything if you make a claim.
Spending a few more euros upfront for a premium policy could save you money if you had to make a claim, but look at the policy as a whole, not just the excess, to ensure it offers the cover you need.
Tips to get the right travel insurance
The bottom line is that there isn’t one travel insurer or policy in Ireland that’s best; you need to find a policy that fits your trip and circumstances.
Here are three simple steps to make that happen:
- Compare quotes online: Get quotes from several travel insurance companies to find the lowest prices and right features.
- Read the small print: Don’t rely on a list of advertised benefits; check the full policy document for hidden exclusions, excesses and conditions.
- Buy it online: Take advantage of discount codes that pop up while you’re getting quotes or look for multi-cover discounts.
For more information about buying travel insurance in Ireland, how to claim, and holiday consumer rights, visit our Complete guide to travel insurance.
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