Published starting prices for annual travel insurance in Ireland begin at €14.99 a year at AA Ireland, for one adult under 50 travelling in Europe with private medical insurance, and €19.95 a year at Multitrip.com, for one adult under 66 with private health insurance (checked 9 November 2026). Both prices are for one adult, in Europe, who holds health insurance. Age, destination, level of cover and medical conditions can push your price well above them.
Published example prices
The CCPC's travel insurance guide gives no average price, and the insurers' "from" prices apply to one example traveller each. These are the published examples we found, with the profile each insurer gives:
| Insurer and policy | Price | Example profile |
|---|---|---|
| AA Ireland, annual multi-trip | from €14.99 a year | One adult under 50, Europe, with private medical insurance |
| Multitrip.com, annual Europe Essential | from €19.95 a year | One adult under 66 with private health insurance that includes medical cover abroad |
| Multitrip.com, single trip | from €3.62 | One day of UK Essential cover, one adult under 66 with private health insurance that includes medical cover abroad |
| Multitrip.com, over-70s annual | €103.65 a year | 1 year of European Premier cover, one adult aged 70 to 75 with private health insurance that includes medical cover abroad |
All four prices come from the insurers' own Irish websites, checked 9 November 2026. Every one assumes the traveller holds private health insurance. Without it, expect a different price.
Multitrip.com is a trading name of Cover-More Blue Insurance Services Limited, the same company that trades as Blue Insurance, according to both websites.
What moves the price
Your age
Age changes both the price and what you can buy. The CCPC says some companies do not offer travel insurance to people over 65, though specialist companies do.
Multitrip.com's own examples show the gap. Its annual Europe price is €19.95 for an adult under 66 on Essential cover, and €103.65 for an adult aged 70 to 75 on Premier cover. The cover levels differ, so this is not a like-for-like comparison, but both are the insurer's published starting points for that age. Annual trip limits also get shorter with age. See travel insurance over 65.
Pre-existing medical conditions
The CCPC says many policies do not cover a pre-existing condition unless you tell the insurer in advance and it accepts the risk. The insurer may charge an extra premium. If you do not disclose the condition, a claim may be invalid.
Insurers say the same in their own terms. AA Ireland says an additional premium applies to cover pre-existing conditions, after a call to its medical screening line. Multitrip.com lists medical conditions among the things that can add to the price for travellers aged 70 and over.
The excess
The excess is the first part of any claim that you pay. The CCPC says it is usually a fixed sum and tells you to check it with your provider. Published examples (checked 9 November 2026):
- AA Ireland: €75 per person per incident on Essential cover, €50 on Extra.
- Vhi MultiTrip: €95 per person per claim.
You can pay to remove it. Vhi sells an excess waiver, and Multitrip.com includes one on its Premier Plus level and lists it as an optional extra.
Level of cover and destination
Cover levels differ in what they pay. AA Ireland's Essential cover pays up to €5,000,000 for emergency medical expenses and €3,500 for cancellation. Its Extra cover pays up to €10,000,000 and €6,000.
Where you go matters too. Insurers sell Europe, worldwide excluding the USA and Canada, and worldwide including them as separate areas of cover. Our multi-trip guide explains the areas.
Multitrip.com says the price for travellers aged 70 and over depends mainly on the policy type, the level of cover, the length of the trip, certain medical conditions and any optional extras.
Add-ons
AA Ireland sells add-ons such as winter sports, travel disruption, car hire excess, golf and wedding cover. Multitrip.com lists similar optional extras, including gadget cover and excess waiver. Only pay for the ones you will use.
How health insurance changes the annual price
Two of the insurers we checked give a lower price if you hold Irish private health insurance, because your health insurer then pays first for hospital care abroad. A third sells only to health insurance members.
- AA Ireland says you get a discount if you confirm health insurance that covers overseas in-patient treatment for at least €55,000. In return, its policy pays nothing for in-patient care abroad until you reach your health plan's limit or €55,000, whichever is higher.
- Multitrip.com says health insurance members get lower rates on annual and single trip policies if their plan provides at least €55,000 for in-patient cover abroad. If the plan does not cover the full length of the trip, the lower rate does not apply.
- Vhi MultiTrip is only sold alongside health insurance. Vhi says you need a private health insurance plan with at least €65,000 cover for overseas medical emergencies.
Check your health plan's overseas cover before you claim the lower rate. Multitrip.com says your plan must meet its €55,000 minimum to get the lower rate. AA Ireland says your health insurance must stay in place for the whole policy period.
Ways to pay less without losing cover you need
The CCPC's tips point to a few savings:
- Check what you already have. Some credit cards and other products include travel insurance, the CCPC says.
- Shop beyond the travel agent. You do not have to take the insurance a travel agent or tour operator offers, the CCPC says, though they may require a certain level of cover for a package holiday. You may get better value elsewhere, "especially if you need cover again later in the year".
- Match the policy to how often you travel. If you travel more than once a year, compare an annual policy with buying single trips. Multitrip.com says its 2-year policy costs 10% less than two 1-year policies.
- Get your EHIC. It is free from the HSE. AA Ireland's policy booklet excludes costs in Europe that an EHIC would have covered, if you failed to get one. See our EHIC guide.
Check who sells and services the policy. AIG says it stopped selling new travel insurance through its direct channels from 1 August 2026. Blue Insurance says claims on policies bought from 1 October 2026 go to ClaimSorted, so check who handles claims when you compare.
When a cheap policy may not be worth it
A low price is no saving if the policy will not pay. The CCPC says that if something is not specified, it is generally not covered. A policy bought without declaring a medical condition may leave you with no cover for that condition.
Read the medical limit, the cancellation limit, the excess and the trip length limit before you compare prices. If you only travel once a year for a few days, an annual policy may cost more than you need. If your trip is longer than the annual limit, it may not be covered at all past that limit.
Our travel insurance guide has an overview.
Sources
- CCPC: Travel insurance, what do you need to know before you go? (accessed 9 November 2026)
- Citizens Information: The European Health Insurance Card (accessed 9 November 2026)
- AA Ireland: Travel insurance page, multi trip travel insurance page and Essential and Extra policy booklet, October 2026 (accessed 9 November 2026)
- Multitrip.com Ireland: Home page, multitrip travel insurance page, single trip page, over-70s page and private health insurance page (accessed 9 November 2026)
- Blue Insurance: Home page and travel claims page (accessed 9 November 2026)
- Vhi: MultiTrip travel insurance page and FAQ (accessed 9 November 2026)
- AIG Ireland: Travel notice (accessed 9 November 2026)
General information, not financial advice. Prices and rules change: check the details with the insurer before you buy.