Travel Insurance

Medical Cover And Health Conditions

Have a question about meedical cover and health conditions? Before picking up the phone, why not check out our FAQs below and see if we have answered your question.

Who do I contact in the event of a medical emergency?

Call our medical emergency line at +353 91 545908. We are available 24 hours a day, 7 days a week.

I have pre-existing medical conditions. Can I get cover for these on my policy too?

You can declare your conditions quickly and easily using our online medical screening system or, if you would prefer to speak to one of our friendly agents, call us on 01 279 9989.

What is a pre-existing medical condition?

A pre-existing medical condition is any medical or psychological sickness, disease, condition, injury or symptom of which you are aware, or that has affected you or any close relative, travelling companion or person with whom you intend to stay with during the course of your trip, which has required treatment, medical consultation(s) or investigation(s), or prescribed medication at any time during the last two years prior to the commencement of cover under this policy and/or prior to each and every trip. During the quote process you must inform the insurer of any pre-existing medical conditions you have before purchasing insurance or of any which occurs between the date the policy is incepted and the date of departure. To do so, you can use our quick and easy online medical screening system or you can call us.

If cover is refused for my pre-existing medical condition, am I still covered?

If, subject to our simple medical screening questions, cover is refused for your pre-existing medical condition, we will only exclude any claims relating to that medical condition. The rest of your travel insurance cover will not be affected by this exclusion.

I already have a policy but I've recently been diagnosed with a new medical condition. What do I do?

If you already have a policy and there has been a change in your medical status, please call our customer service team on 01 279 9989.

I have a European Health Insurance Card (formerly known as an E111). Do I still need travel insurance?

The European Health Insurance Card (which used to be called the E111) entitles the holder to free or reduced cost emergency treatment within the following EU countries:

Austria, Belgium, Cyprus (but not in North Cyprus), Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom

Is dental treatment covered?

Our policies provide limited cover for emergency dental treatment to enable you to immediately relieve pain. Please refer to your policy schedule for the limits applicable to your policy.

What if I have Private Health Insurance?

A discount is available if all the insured persons hold an eligible Private Health Insurance policy for the duration of the policy. The Private Health Insurance policy must provide cover for in-patient medical treatment abroad of at least €55,000 per person per claim.

If you want to make a medical claim while you are abroad and have received a discount on your policy, you must claim against your Private Health Insurance policy first. The benefits payable under your travel insurance policy will only top up the amount payable under your Private Health Insurance policy up to the medical expenses limit in your travel insurance policy.