Medical Cover And Health Conditions
Who do I contact in the event of a medical emergency?
I have pre-existing medical conditions. Can I get cover for these on my policy too?
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, 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 and/or any cardiac, cardiovascular, hypertensive, or cerebrovascular illness, disease, condition or symptom of which you are aware, that has occurred at any time prior to the commencement of cover under this cover/Schedule of Cover and/or prior to any 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 on 091 560668
If cover is refused for my pre-existing medical condition, am I still covered?
I already have a policy but I've recently been diagnosed with a new medical condition. What do I do?
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?
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.