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Travel Insurance for Ireland

Holiday Insurance for Ireland

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Do I need travel insurance for Ireland from the UK? 

You don’t need travel insurance for Ireland from UK by law, but it is highly recommended by both travel experts and government bodies.  

Ireland is a relatively safe destination for tourists, coming in as the lowest spot for the top pickpocketing destinations in Europe. But, accidents can happen anywhere, and pickpocketing is not the only hazard you have to worry about when travelling. 

Unexpected problems like cancellations and medical expenses, can quickly become a serious financial burden if you do not have insurance to cover them as you will be liable for these completely alone. 

What is the best travel insurance for Ireland?

The best travel policy for your trip to Ireland will be a policy that meets your needs. There are a few main options available, including:

How much is travel insurance for Ireland?

This varies from policy to policy, but the details that will influence the cost of your insurance premium include:

  • Your age – Older travellers might have higher insurance premiums, mainly due to the higher possibility of claiming medical care. 
  • Planned activities – Participating in adventurous pursuits such as surfing, trekking, or climbing could escalate your insurance premiums or require additional coverage. 
  • Coverage type – Various insurance options like single trip, annual insurance, and backpacker insurance offer distinct coverage at different costs. 
  • Policy add-ons – If you need additional coverage like increased protection for personal belongings or specific activity coverage, these additions typically come at extra expense. 
  • The length of your trip – Naturally, longer trips come with longer premiums as there is more time for things to go wrong. 

Does the NHS cover me in Ireland?

If you are travelling in the Northern Ireland you will still be covered by the NHS. Whereas in the South of Ireland, you will be able to have access to the same level of healthcare as Irish residents via your EHIC or GHIC cards. So it’s important to know which part of Ireland you are visiting so you know where to turn if you need medical care. 

What is covered by Ireland travel insurance?

Holiday cancellation or curtailment

Whether due to personal factors or reasons that are out of your control, insurance can offer crucial protection against the financial impacts of holiday cancellations. When travelling in a group, having the right coverage in place is essential, as delays and cancellations can be even more costly if not protected. 

Medical expenses and repatriation

Travel insurance to Ireland typically covers medications, visits to the doctor as well as possible stays in hospital. Repatriation involves transporting a sick or hurt person back to their home country. Make sure you carefully compare insurance quotes, particularly if you are an older traveller, to ensure you take out a policy that has the particular coverage you may need.  

Personal property and money

Travel insurance for Ireland typically includes the loss or theft of personal property. When you are travelling it is a good idea to have multiple means of payment with you, just in case.  

Delayed baggage

When travelling, baggage delays or luggage that gets lost can be disruptive. This cover can allow the replacement of essential items after a time period specified in the policy.  

Personal accident cover

If you suffer an accident, your insurance will likely cover your medical care, emergency treatment, and even hospital stay while you recover.

Delayed travel

If you face a delay in your pre booked transport to Ireland, insurance typically covers costs incurred due to this delayed travel.

Personal liability

You can face legal consequences should you damage someone else’s property or be the cause of any loss or injuries. Ensure you fully understand your insurance policy to know what’s included and if necessary, take out an add-on if this coverage is important to you.

What is not covered by travel insurance for Ireland?

High risk activities not included in your policy coverage

Injuries or incidents that happen when under the influence of alcohol or drugs

Pre-existing medical conditions

Travelling against the advice of the Foreign, Commonwealth & Development Office

Natural disasters, civil unrest, terrorism or war

Specialist coverage for travel insurance to Ireland

Gadget cover 

This type of cover is typically an add-on to your insurance policy. It can cover you for gadgets that are lost, stolen or damaged while travelling.  

Activity holiday cover 

When taking out single-trip or multi travel insurance for Ireland, keep in mind that it doesn’t typically cover you for activities that are considered high-risk. Cover is usually applicable to most activities, but some activities may require additional adventure activity cover.   

Cruise cover  

Insures you against things that can happen on cruise holidays, like missed port stops or being confined to your cabin. This insurance will typically include other coverages you would expect in a travel insurance policy. 

Coverage for pre-existing medical conditions 

If you have existing medical conditions, ensuring you are covered should you require medical attention is very important. We advise taking the time to thoroughly research your options when travelling with pre-existing health issues. 

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