Travel Insurance

COVID Cover Benefits FAQ’s

Our travel insurance policies include extra protections against COVID. Take a look at some of the most common questions that we get asked.

What if I fall ill with Covid-19 abroad and need medical treatment abroad?

Our policies provide cover for medical and other expenses incurred abroad if you catch COVID subject to the policy terms, limits, conditions and exclusions.

Please note that we will not cover COVID-related claims where you have travelled to an area that the Department of Foreign Affairs (DFA) has advised against all or all but essential travel.

We encourage all customers and partners to refer to the Travel Advice section on the DFA’s website prior to purchasing a policy and/or departure, to ensure the policy provides the required cover for their trip.

What if I fall ill with Covid-19 abroad and need to be repatriated to Ireland or the UK?

Our policies provide cover for medical and other expenses incurred abroad if you catch COVID subject to the policy terms, limits, conditions and exclusions; repatriation to Ireland/UK is covered under this section.

Please note that we will not cover COVID-related claims where you have travelled to an area that the DFA has advised against all or all but essential travel.

We encourage all customers and partners to refer to the Travel Advice section on the DFA’s website prior to purchasing a policy and/or departure, to ensure the policy provides the required cover for their trip.

If I contract the virus whilst on a trip (with no symptoms and incur no Medical Expenses) and denied boarding due to the positive COVID diagnosis, am I covered for reasonable additional transport or accommodation expenses incurred?

Our policies provide cover for medical and other expenses incurred abroad if you catch COVID subject to the policy terms, limits, conditions and exclusions; in the event of a positive diagnosis of COVID abroad, the policy will cover reasonable additional transport (economy class) 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.

Please note that we will not cover COVID-related claims where you have travelled to an area that the DFA has advised against all or all but essential travel.

We encourage all customers and partners to refer to the Travel Advice section on the DFA’s website prior to purchasing a policy and/or departure, to ensure the policy provides the required cover for their trip.

What happens if I fall ill with Covid-19 abroad and need to extend my stay as a result of Coronavirus incurring additional costs?

Our policies provide cover for medical and other expenses incurred abroad if you catch COVID subject to the policy terms, limits, conditions and exclusions. This section also provides cover for any reasonable additional transport (economy class) or accommodation expenses incurred, up to the standard of your original booking, if it is medically necessary for you to stay beyond your scheduled return date.

Please note that we will not cover COVID-related claims where you have travelled to an area that the DFA has advised against all or all but essential travel.

We encourage all customers and partners to refer to the Travel Advice section on the DFA’s website prior to purchasing a policy and/or departure, to ensure the policy provides the required cover for their trip.
Our policy includes cover for cancellation if:

(i) you, your travelling companion or any person you have arranged to stay with 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.

(ii) your close relative or close business associate is admitted to hospital with a COVID diagnosis at the time of the trip or the death of Your close relative or close business associate due to COVID at the time of the Trip.

You won’t be covered for any COVID claim events occurring within 7 days of the date you purchased insurance, unless the insurance is purchased within 48 hours of booking the trip.

This cover is subject to the policy terms, limits, conditions and exclusions.

My travelling companion falls ill with Covid-19 at home and cannot travel. What happens then?

See answer to above question.
Please note, ‘travelling companion’ means:
A person accompanying you without whom the trip cannot commence or continue.

What if my family member is hospitalised with Covid-19 and as a result I cannot travel?

See answer to the question: Please explain the cover involved if I fall ill with Covid-19 at home and cannot travel? Please note, ‘close relative’ means:

Mother, father, sister, brother, wife, husband, daughter, son, grandparent, grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in-law, aunt, uncle, niece, nephew, step parent, step child, step-sister, step-brother, foster child, legal guardian, next of kin, or fiancé/fiancée or common law partner (any couple, including same-sex, in a common law relationship or who have co-habited for at least 6 consecutive months).

Does the policy include cover if I need to curtail my trip because a close relative has passed away from Covid-19?

Our policy includes cover for Curtailment in the event your close relative or close business associate is admitted to hospital with a COVID diagnosis at the time of the trip or the death of your close relative or close business associate due to COVID at the time of the trip.

A special condition of this cover is that the insured customer must contact our Emergency Assistance Service whilst away to notify us of the situation before returning home.

Please see question above for the definition of ‘close relative’.