What is Travel insurance?
Travel insurance is a plan you purchase that protects you from certain financial risks and losses that can occur while travelling. These losses can be minor, like a delayed suitcase, or more significant, like a last-minute trip cancellation or a medical emergency overseas. Another huge benefit of travel insurance is access to assistance services, wherever you are in the world.
How does Travel insurance work in Ireland?
Generally speaking travel insurance covers you against any cost or losses if something goes wrong while you’re on holiday. So no matter if you’re travelling abroad or in Ireland, travel insurance will help you in case your plans are disrupted – if your accommodation gets cancelled, if you injure yourself or in case your possessions are stolen, lost or damaged. In most cases travel insurance reimburses you for your covered financial losses after you file a claim and the claim is approved.
How this works in practice
Let’s suppose you purchase a plan that includes trip cancellation benefits, to protect your upcoming cruise. One day before departure, you feel sick (high fever, coughing, shortness of breath, and/or chest pain). Your doctor diagnoses bacterial pneumonia and advises you to cancel the trip. When you notify the cruise company, they tell you it’s too late to receive a refund. Without Travel insurance, you’d lose the money you spent on your vacation. Fortunately, a serious, disabling illness can be considered a covered reason for trip cancellation, which means you can be reimbursed for your prepaid, nonrefundable trip costs. Once you’re feeling better, you gather the required documents — such as your airfare and cruise line receipts and information about any refunds you did or did not receive — and you file a claim. You can even choose to receive your reimbursement via direct deposit, to your debit card or check payment.
Sometimes this process works a little differently. Travel insurance may pay your expenses up front if you require emergency medical treatment or emergency transportation while traveling overseas.
What is covered when I get travel insurance?
Travel insurance is designed to cover unforeseeable events— not things you could easily see coming, or things within your control. If, for example, you wait to buy insurance for your beach trip until after a named hurricane is hurtling toward your destination, your losses wouldn’t be covered. Packages cover only the specific situations, events, and losses included in your plan documents, and only under the conditions there described. The details of travel insurance can differ between insurers, and you should always check the policy wording before you buy your plan to be certain of what you’re covered for. In general, most travel insurance covers:
- Possessions: covers items such as luggage, important documents, or cash up to a certain amount that has been lost or stolen
- Medical treatment: cover for emergency medical treatment - It is worth remembering that if you haven’t declared any pre-existing medical conditions, treatment for that condition likely won’t be covered
- Holiday disruptions: Covers reimbursement for disruptions to your travel or living arrangements, such as involuntary abandonment or missed departures, delayed flights, cancelled flights or accommodation, or a curtailed trip.
- Legal costs: For if you have to pay legal fees for an incident that wasn’t your fault. If you have to pay personal liability if an incident was your fault, your insurer may also pick up the cost.
- There are also some common things that most travel insurance policies won’t cover, so be sure to check the policy documents. In these cases, it’s often possible to buy extra cover for an additional price.
What is not covered when I get a travel insurance?
The typical things that may not be covered as standard by travel insurance include:
- Adventurous activities: Winter sports or other potentially hazardous activities like climbing, shark cage diving and white-water rafting may not be automatically insured, but you may be able to take out extra cover.
- Expensive items: Gadgets, designer clothes or sports and music equipment are often excluded from standard travel policies. If you’re taking fancy sunglasses, your laptop or a guitar with you, check if you’ll need additional cover as some insurers will have a maximum price limit for individual items that you can claim for.
- Labour-induced injuries: If you injure yourself working a temporary job while you’re backpacking, for example, you may not be covered
How do I get the cheapest travel insurance in Ireland?
The best cheap travel insurance isn’t just cheap. It also has strong financial backing, responsive customer service, and well-rounded coverage that truly protects you while you’re abroad. Obviously price matters and so everyone wants to save money on travel insurance so that you can spend more on enjoying the vacation, while still having a policy you can count on in case something goes wrong. Matching a well-priced policy with all the necessary covers is the key to getting the right plan to meet your needs .
When shopping for the best cheap travel insurance, there are a few factors to compare to make sure your policy is worth the cost. You’ll have to take into consideration things such as trip duration and frequency, destinations, dependants, age, pre-existing medical conditions, cover limits and excess fees. We at InsuranceDeals.ie are here to help you find the insurer that offers the best cover to match your demands at competitive prices. Enter in Touch with us today. We have partnered with leading insurance providers in Ireland to better serve you. Save money by changing today!
How can I reduce the cost of my travel insurance?
In addition to shopping around, to save money on travel insurance you should look for a plan that includes all the benefits you need and leaves out the ones you don’t. There are several Insurers in the market that offer a wide range of travel insurance plans for every type of trip and every budget. It’s important to understand that the largest portion of a travel insurance premium is tied up in the cancellation coverage. If you don’t need cancellation coverage, then you can get away with a simple travel medical plan, which is very affordable.
If for your next trip you mainly need trip cancellation/interruption and travel delay benefits, consider getting a low-priced one trip cancellation plan. If you’re planning multiple trips in a year, whether domestic or international, you can save a lot on travel insurance by opting for a multi-trip plan that can cover you for the 12 months. And if you’re a budget traveler with few pre-paid expenses who still needs the protection of emergency medical and emergency medical transportation benefits, a one trip emergency medical plan could be a good fit.
What are the Travel insurance providers in Ireland?
The travel insurance companies in Ireland are:
- AA Essential
- Blue Insurance
- Chill Insurance
What is the best travel insurance provider in Ireland?
There's no universally best Insurance company. It is a totally personal choice. The best travel insurers are the providers who offer sufficient cover at a price you can afford - provide quality and competitive travel and holiday insurance that covers everything from baggage to emergency medical costs.
The best insurer is one that matches your needs. You need to source the company that meets your specific demands regarding cover, services - add ons - and price. In other words, the best company is one that in addition to the basic guarantees, offers you the option to include additional services and covers and fulfills the role of providing financial protection (refund) and assistence for you in case some goes wrong.
What is the best travel insurance package in Ireland?
There's no best travel insurance package. To get the right deal for you InsuranceDeals should be the first stop. The website gathers information on all insurers -and insurance products – available in the market, which enables you to see how your existing plan stacks up against other policies. It is essential that you research and check exactly what cover, services and facilities are at your disposal - that you understand every detail of the plan you are signing up to. If you’re happy that the plan meets your requirements, then sign up.
Enter in Touch to find out which companies have the best package options. We have partnered with leading insurance providers in Ireland, so get the best travel insurance policies and save money by changing today!
Does travel insurance go up every year?
Travel insurance plan costs are based on two factors: Trip cost and Age.
Your total trip cost includes airfare, hotels, and any other travel expenses you incur prior to your departure date – as for example tour costs, event tickets, theme park passes, cruise ship excursions, etc. So make sure you enter trip costs accurately when you’re getting a quote.
Regarding the age factor, the cost of travel insurance increases with age. This is because Travel insurance costs, like any other kind of insurance, are based on risk and, in theory, older travelers are more at risk for health problems.
How do I claim travel insurance?
Filing a claim means submitting proof of your loss to the Insurer, so that they can verify what happened and reimburse you for your covered losses. The procedure varies from one company to another but in general you will need the same basic general information and documents to file a claim. Depending on the nature of the claim, you'll need to fill in a form, send a formal letter, or speak to your insurer on the phone/apps. You'll need to supply all supporting documents - personal documents and policy information + your airfare and travel company receipts and information about any refunds you did or did not receive. So don’t forget to make copies and keep the originals! If you're sending anything by post, choose recorded delivery.
Before contacting the insurer, however, carefully check the details of your policy. It is extremely important for you to be confident that, in a claims case, you will be covered by your plan.
We’ve prepared some great tips that, if followed correctly, will help you to fill an insurance claim and speed up the refund process:
Preparation - Good preparation is crucial if you want to save time and hassle when you make a claim. Therefore it is advisable that you take photos of all the valuables you're travelling with, as well as the important travel documents - passport, flight info, booking confirmations, visas and insurance policy -, so if they're stolen you have something to show the police and your insurance company. Also take a note of any distinguishing marks or serial numbers on the items: police may want a full description if they're stolen. Don’t forget to check the small print of your insurance policy before you go. Bear in mind that some companies ask for specific details, or place and time restrictions, so ensure you're clued up before you travel.
While you're travelling - Check the emergency phone number, or a line to call from overseas available in your policy. Speak to a representative, and follow the steps they suggest.
When you get home - Gather all the necessary supporting documents and check the small print and excess payment. Fill out the form and submit all documentation and send it to the insurer as soon as possible. Most policies will void claims if they're not submitted within a certain time frame. Keep this in mind – and don't leave it to the last minute.
Can you get travel insurance after booking a flight?
It is advisable that you purchase travel insurance as soon as you book your vacation. This is because you may have to cancel your trip before you even leave if something happens. For example, if you get fired after you book, if you get injured or too sick to travel or if you are forced to cancel due to grief. If any of these situations occur, your insurer may cover some or all of the vacation costs for you.
Why should I have travel insurance?
Because travel insurance is the best way for you to protect yourself from costs and losses that can occur while traveling. With the insurance you can travel carefree, confident that in a claims case, you will be covered by your plan . Benefits vary by plan. That’s why you need to search the plan that fits your needs, your budget and your travel plans. But we can tell you that most insurance companies have teams of travel and medical experts to arrange medical treatment in an emergency, monitor your care, and even help you with translations - serve as interpreters, help you replace lost passports and so on.
Is it worth it to have travel insurance?
For sure. Travel insurance can offer protection against a range of unforeseen events when you travel at home or abroad, including; medical emergencies, flight cancellations, travel delay, trip interruption, accommodation and vehicle accidents. This way you don’t run the risk of losing your investment in case you need to cancel your holtel/resort reservation or if any other incident occurs.
There was a time – a long time ago - when you could cancel your hotel the day you intended to arrive, with no charges. But nowadays more and more airlines are creating new fees. The fee for changing the date of a flight is so high that the difference to be paid can now cost as much as the original flight in some cases. And if by any chance you get injured or ill on a trip, the associated expenses could leave you bankrupt.
How can I get free Travel insurance?
The Irish insurance market is operated by the private sector. Therefore, to insure your trip you need to purchase a policy and pay the premium. All types of businesses are based on the principle of mutuality – in short, in exchange for you paying a premium, your insurance company agrees to cover your losses.