Travel cancellation insurance

Ireland: what are the best travel cancellation insurance policies in 2025?

Insurances

Rating

Features

Our opinion

Our Offers

International Travel Insurance

International Travel Insurance

Rating

Starting from:15,71 €

Deductible

€0

Cancellation guarantee

Up to 7 000 $

Essential medical costs

Up to 10 000 000 $

Repatriation costs

Unlimited

Maximum trip duration

1 year

Loss / theft / delay of luggage

1 700 €

Deductible

€0

Cancellation guarantee

Up to 7 000 $

Essential medical costs

Up to 10 000 000 $

Repatriation costs

Unlimited

Maximum trip duration

1 year

Loss / theft / delay of luggage

1 700 €

Best value for money

Intuitive Heymondo app
Registration in English
Guaranteed refund
Up to 49 years

Pros

Cons

Intuitive Heymondo app
Registration in English
Guaranteed refund

More information

Our detailed review

Heymondo’s International Travel Insurance offers travelers a comprehensive and customizable coverage plan, ensuring peace of mind during both international and domestic journeys. One of the standout features of this policy is the absence of any deductible or excess, meaning that policyholders are not required to pay any out-of-pocket expenses before the insurance coverage takes effect. This feature simplifies the claims process and provides immediate financial relief in case of unforeseen events.

The policy provides substantial coverage for essential medical costs, with limits reaching up to $10,000,000 USD. This extensive coverage encompasses medical expenses incurred abroad due to sudden illness or accidental injury, including hospitalization, prescription medications, and inpatient physical therapy. Emergency dental treatments aimed at alleviating acute and sudden pain are also covered. Additionally, the insurance includes medical transportation and repatriation services, ensuring that policyholders can be safely returned to their home country if necessary. In cases where hospitalization extends beyond seven days, the policy covers travel and lodging expenses for a family member to accompany the insured, providing emotional support during challenging times.

Regarding trip duration, Heymondo’s policy is designed to accommodate various travel plans. For frequent travelers, the Annual Multi-Trip Travel Insurance covers all trips taken within a year, provided each trip does not exceed 60 days. This flexibility is ideal for individuals embarking on multiple journeys throughout the year, whether for leisure or business purposes. For those planning extended stays, the Long Stay Travel Insurance offers coverage for trips longer than 90 days, catering to long-term travelers, digital nomads, and individuals on assignments abroad.

In the event of travel disruptions, the policy offers compensation for flight delays and cancellations. If a trip is canceled due to covered reasons, such as a positive COVID-19 test or the serious illness or death of a close relative, the policy reimburses up to $7,000 USD for pre-paid, non-refundable expenses. This coverage must be purchased within seven days of the initial trip booking to be valid. For delays caused by public transport issues, the policy reimburses accommodation, meals, and refreshments, ensuring travelers are not left out-of-pocket due to unforeseen delays. Additionally, if a missed connection occurs due to the late arrival of an incoming flight, the insurance covers essential expenses, including the purchase of an alternative flight ticket if necessary.

The luggage coverage under this policy is designed to protect personal belongings against theft, loss, or damage. Policyholders are entitled to compensation of up to $2,500 USD in such events. In cases where checked baggage is delayed or misdirected by the carrier, the policy reimburses the purchase of necessary personal effects, ensuring travelers have access to essential items while awaiting their luggage. Furthermore, if official documents such as passports or visas are lost or stolen, the insurance covers the administrative expenses incurred for their replacement, alleviating the stress associated with such incidents.

Beyond these core features, Heymondo’s International Travel Insurance includes several additional coverages that enhance its appeal. Personal liability coverage of up to $2,000,000 USD protects against claims for bodily injury or property damage to third parties, including legal costs and expenses. The policy also offers compensation of up to $60,000 USD for accidental death or permanent disability resulting from incidents during the trip. For those planning to engage in adventure sports, an optional add-on extends coverage to activities such as white-water rafting, diving up to 20 meters, and bungee jumping, ensuring thrill-seekers are adequately protected. Additionally, coverage for electronic equipment is available, safeguarding valuable items like laptops, tablets, and cameras against theft or damage. The policy also addresses unforeseen events such as natural disasters, covering additional accommodation and transportation costs incurred during the trip due to events like floods, earthquakes, or hurricanes. For travelers renting vehicles, the insurance provides coverage for rental car excess up to $500 USD, offering financial protection against potential damages or theft of the rented vehicle.

To further enhance user experience, Heymondo offers a Travel Assistance App, providing 24/7 medical chat support, free online assistance calls, and efficient claims management, all accessible from the convenience of a mobile device. This app ensures that help is readily available, streamlining the process of seeking assistance and managing claims.

In summary, Heymondo’s International Travel Insurance stands out for its comprehensive coverage, absence of deductibles, and flexibility in accommodating various travel durations. The inclusion of extensive medical coverage, robust trip interruption benefits, generous luggage protection, and a suite of additional coverages makes it a compelling choice for travelers seeking reliable and extensive insurance protection. The user-friendly Travel Assistance App further enhances the policy’s attractiveness, ensuring that support is always within reach, no matter where the journey leads.

Rating

Starting from:18,80 €

Deductible

30 €

Cancellation guarantee

Up to 9 000 €

Essential medical costs

Up to 300 000 €

Repatriation costs

100 % of actual costs

Maximum trip duration

1 year

Loss / theft / delay of luggage

Up to 1 150 €

Deductible

30 €

Cancellation guarantee

Up to 9 000 €

Essential medical costs

Up to 300 000 €

Repatriation costs

100 % of actual costs

Maximum trip duration

1 year

Loss / theft / delay of luggage

Up to 1 150 €

Assistance guarantee - medical repatriation
Direct cover for hospitalisations longer than 24 hours
Liability insurance private life
Individual accident insurance

Assistance guarantee - medical repatriation
Direct cover for hospitalisations longer than 24 hours
Liability insurance private life

Individual accident insurance

More information

Our detailed review

The ACS Globe Partner Travel Insurance policy provides a comprehensive set of benefits designed to ensure security and financial coverage for travelers. A significant feature of this insurance is the excess, which is set at €100 per claim and per file across various benefits, including legal liability, medical expenses, and luggage claims. This ensures that policyholders bear a minimal out-of-pocket cost before the insurance coverage takes effect. The presence of a fixed excess amount simplifies the claims process, allowing travelers to anticipate their potential costs in case of an incident.

The maximum amount for essential medical costs covered under this policy is €300,000 per person per year, which includes expenses related to hospitalization, surgery, consultations, pharmacy needs, and paramedical care. The insurance covers 100% of actual costs for hospitalization and surgery, ensuring that policyholders do not have to worry about medical expenses exceeding their coverage limit. Additionally, emergency dental treatment is covered up to €300, while dental treatment following an accident extends up to €600, providing a sufficient level of protection for dental emergencies. Notably, students benefit from extended emergency medical coverage of up to €15,000 in their country of residence during school holidays, making this an attractive option for young travelers studying abroad.

The maximum trip duration for this insurance is structured in a way that allows flexibility for travelers. The policy can be subscribed to for a fixed term of up to 12 months and can be renewed twice, allowing for extended coverage up to a total of three years. However, renewal is contingent on maintaining continuous coverage without interruption. The insurance is specifically designed for travelers under the age of 40, which means it is particularly suitable for students, young professionals, and long-term travelers who require consistent coverage during their stays abroad.

The flight delay and cancellation compensation ensures travelers are not left out of pocket due to unforeseen travel disruptions. The insurance provides early return benefits if a policyholder must return home due to the death of an immediate family member, covering actual transport costs. In the event of hospitalization exceeding seven days, a relative or friend can be flown in, with expenses for transportation and accommodation covered up to €80 per night for a maximum of 8 nights. If travelers need to extend their stay due to medical reasons, the policy covers additional accommodation costs of €80 per night for up to 15 nights, ensuring financial security during unexpected health-related disruptions. Furthermore, medical repatriation and transport costs are fully covered, guaranteeing policyholders access to appropriate medical facilities when necessary.

The luggage cover provides compensation for personal belongings lost, stolen, or damaged during transit, with a maximum benefit of €1,150 per claim. This coverage applies specifically to luggage during the outward and return journey and includes reimbursement for theft, total or partial destruction, or loss during transport by a carrier. However, specific exclusions apply, including jewelry, electronic devices, professional equipment, musical instruments, food, and high-value items. The claim process requires supporting documents such as a police report, transport company loss statement, and purchase receipts. Compensation is calculated based on the replacement value with depreciation applied, ensuring a fair valuation for lost or damaged items.

Beyond these primary features, the policy offers several additional benefits that enhance its attractiveness. Legal liability coverage is provided, with €4.5 million for personal injury claims and €450,000 for property damage, ensuring strong protection against third-party claims during the trip. Coverage extends to objects entrusted to the policyholder during a traineeship or internship, with a compensation limit of €11,500, making this an appealing option for young professionals or students engaged in work placements abroad. Search and rescue costs are covered up to €3,000, providing security for those engaging in outdoor or adventure activities.

The policy includes legal assistance up to €3,000, and bail bond advances up to €7,000, offering financial support in case of legal troubles while traveling. Additionally, an advance of funds up to €700 is available in the event of theft or loss of payment methods, ensuring policyholders have access to emergency cash when needed. Funeral costs in the event of death are covered up to €1,500, while full repatriation of the body is covered at actual costs, providing peace of mind for loved ones.

In summary, the ACS Globe Partner Travel Insurance offers a well-balanced and comprehensive coverage plan tailored for young travelers, students, and professionals abroad. With reasonable excess fees, strong medical expense limits, generous trip duration allowances, extensive repatriation and assistance benefits, and reliable luggage protection, it provides solid protection in various travel scenarios. The addition of legal liability coverage, emergency fund advances, and search and rescue costs further enhances its appeal, making it a strong contender for travelers seeking dependable and extensive travel insurance coverage.

Rating

Starting from:19,00 €

Deductible

20 % of the claim

Cancellation guarantee

Up to 8 000 €

Essential medical costs

1 000 000 €

Repatriation costs

Not covered

Maximum trip duration

90 days

Loss / theft / delay of luggage

3 000 €

Deductible

20 % of the claim

Cancellation guarantee

Up to 8 000 €

Essential medical costs

1 000 000 €

Repatriation costs

Not covered

Maximum trip duration

90 days

Loss / theft / delay of luggage

3 000 €

Renewal possible
Cover for sports included
Covid guarantee
24/7 assistance
Cancellation insurance optional

Renewal possible
Cover for sports included
Covid guarantee

24/7 assistance
Cancellation insurance optional

Our detailed review

The Chapka Cap Assistance 24/24 Travel Insurance offers a well-rounded and extensive package designed to provide financial security for travelers in various situations. A fundamental aspect of this insurance is the excess, which applies to specific claims, ensuring that policyholders share a portion of the costs before receiving compensation. Although the exact amount of the excess is not explicitly detailed in every section, the policy states that for medical expenses abroad, the insured must first use any available national healthcare coverage before additional expenses are reimbursed. This ensures that policyholders maximize existing benefits before claiming through the travel insurance, making it a practical option for those who already have partial coverage. In the event of a claim, prior authorization from the assistance center is required, which helps manage costs and streamline the reimbursement process.

A key feature of this policy is the coverage for essential medical costs, which varies depending on the geographical region. In Zone 1 (Europe, Israel, Morocco, Tunisia), coverage extends up to €100,000 per insured person. In Zone 2 (Worldwide excluding specific high-risk countries), the limit increases significantly to €500,000 per insured person, while for Zone 3 (including high-cost countries like the USA, Canada, Thailand, Mexico, India, and Indonesia), the maximum coverage reaches €1,000,000 per insured person. This coverage includes hospitalization, surgery, paramedical care, consultations, and emergency prescriptions, ensuring that travelers have financial security in case of unexpected medical events. Additional benefits include emergency dental care up to €300 per person, along with search and rescue costs up to €10,000 per person and €30,000 per event, which can be particularly useful for travelers engaging in adventure or outdoor activities.

Regarding maximum trip duration, this insurance policy covers trips lasting up to 90 consecutive days. This limitation ensures that the policy is best suited for short- to medium-term travelers rather than those planning long-term stays abroad. Any trip exceeding 90 days is not covered, meaning policyholders looking for extended coverage beyond this period would need to explore alternative long-term insurance options. This makes the policy ideal for frequent travelers, digital nomads on short-term stays, and students or professionals on temporary assignments abroad.

The flight delay and cancellation compensation provided under this policy is structured to offer financial relief in cases of significant travel disruptions. For flight delays, compensation of up to €250 per insured person is available if a scheduled flight is delayed by more than four hours (for standard flights) or six hours (for charter flights). In the case of a missed flight, policyholders are reimbursed 80% of the total cost of the original ticket, up to a maximum of €8,000 per person. Additionally, for a missed connection due to a delay of more than six hours, the insurance covers accommodation, meals, and transfer costs up to €100 per insured person, ensuring that travelers are not left stranded due to circumstances beyond their control.

The luggage cover ensures protection against theft, total or partial destruction, or loss during transport by an airline or transport company, with compensation reaching a maximum of €3,000 per insured person. This is particularly valuable for those carrying expensive items, as it provides significant reimbursement in case of loss or damage. Precious objects, including electronics and jewelry, are covered up to 50% of the total luggage cover, meaning a maximum of €1,500 per insured person. In addition, compensation for delayed baggage is available, offering up to €300 per insured person for essential purchases in the event of a delay. Further financial protection is offered through the reimbursement of travel document restoration costs, up to €150 per insured person, providing peace of mind in the event of passport or ID loss.

Beyond these core features, the policy includes a range of additional benefits that further enhance its value. Personal liability insurance abroad is covered up to €4.5 million per event for bodily injury and €300,000 per event for property damage, ensuring strong protection against third-party claims. Legal expenses abroad are covered up to €20,000 per litigation case, offering travelers financial support in legal disputes that may arise during their trip. Trip interruption coverage provides reimbursement of unused ground services, up to €7,500 per person and €35,000 per event, ensuring that unforeseen situations requiring an early return do not result in substantial financial losses.

For those traveling with pets, the policy offers return ticket reimbursement of up to €250 per event, covering expenses related to bringing pets home in case of repatriation. Additionally, sports equipment protection ensures reimbursement of up to €300 per event for stolen or damaged equipment, making it a suitable option for travelers engaged in sports activities. Home assistance coverage is also available in case of incidents at home while traveling, including emergency accommodation costs up to €80 per night for up to five nights.

In conclusion, the Chapka Cap Assistance 24/24 Travel Insurance offers well-balanced and extensive coverage for short- to medium-term travelers, providing strong medical expense benefits, flexible trip duration options, robust travel disruption compensation, and generous luggage protection. The inclusion of high personal liability coverage, legal assistance, trip interruption compensation, and additional covers for pets and sports equipment further strengthens its appeal. While the 90-day trip duration limit may not be ideal for long-term travelers, this policy remains an excellent choice for holidaymakers, business travelers, students, and digital nomads looking for extensive and reliable insurance coverage during their trips.

Rating

Starting from:22,50 €

Deductible

50 €

Cancellation guarantee

Up to 300 €

Essential medical costs

Up to 700 000 €

Repatriation costs

Up to 1 000 €

Maximum trip duration

1 year

Loss / theft / delay of luggage

3 000 €

Deductible

50 €

Cancellation guarantee

Up to 300 €

Essential medical costs

Up to 700 000 €

Repatriation costs

Up to 1 000 €

Maximum trip duration

1 year

Loss / theft / delay of luggage

3 000 €

Access to Telemedicine (online doctor)
Coverage for quarantine of €1,000
24/7 assistance
COVID-19 cover

Access to Telemedicine (online doctor)
Coverage for quarantine of €1,000
24/7 assistance

COVID-19 cover

More information

Our detailed review

The MondialCare World Travel Insurance policy provides a broad and well-structured range of benefits for travelers, ensuring financial security across multiple aspects of their journey. A key component of this policy is the excess, which is applied to medical reimbursements and other claims. For medical expenses incurred abroad, a €50 deductible is applied per claim, ensuring that travelers contribute a manageable amount before the insurer covers the remaining eligible expenses. This excess remains relatively low compared to many other travel insurance policies, making it accessible while maintaining substantial protection.

The maximum amount of essential medical costs covered varies depending on the circumstances and the traveler’s location. The policy offers comprehensive medical and hospitalization coverage, ensuring that necessary treatment, hospitalization, and specialist care are provided without undue financial burden. Medical repatriation costs are fully covered, allowing insured individuals to be transported to an appropriate medical facility if required. Additionally, emergency dental care is covered up to €250, ensuring financial relief for unexpected dental issues during travel. Another standout feature is the advance payment for hospital expenses, which allows for direct payment to healthcare facilities instead of requiring policyholders to pay upfront and wait for reimbursement. This is particularly beneficial for those traveling to destinations with high medical costs.

The maximum trip duration under this policy is set at 90 days per trip, making it suitable for short- to medium-term travelers, including tourists, business travelers, and expatriates on temporary assignments. Coverage applies worldwide, with the policy catering to individuals traveling for leisure, work, or study. However, it does not automatically renew, requiring policyholders to extend coverage manually if they plan to travel beyond the initial insured period. The 90-day limit ensures that coverage remains adaptable to most travel needs while maintaining strong protection for extended stays abroad.

The flight delay and cancellation compensation under this policy provides essential financial support in cases of travel disruptions. Compensation of up to €250 per insured person is granted for flight delays exceeding four hours for scheduled flights and six hours for charter flights. If a traveler experiences a missed connection due to a delay exceeding six hours, the insurance covers additional accommodation, meals, and transfer costs up to €100 per insured person. Additionally, if the insured is denied boarding due to overbooking or temperature-based health screenings, a fixed compensation of €50 is provided. In the case of trip cancellation, the policy covers 100% of ticket costs due to medical emergencies, visa rejections, serious damage to the insured’s home, or the death of a close family member, ensuring financial protection against unforeseen events. However, cancellations due to strikes or carrier-related issues are excluded, limiting its applicability in certain situations.

The luggage cover provides extensive protection for travelers’ personal belongings, offering compensation of up to €3,000 per insured person in case of theft, loss, or damage. Valuables, including electronics, jewelry, and watches, are covered up to 30% of the total luggage allowance, ensuring that travelers carrying high-value items receive adequate compensation. Additionally, baggage delays exceeding 24 hours qualify for reimbursement of up to €250 to cover essential replacement items such as clothing and toiletries. Loss of travel documents, including passports and visas, is covered up to €150, facilitating swift replacement in the event of theft or misplacement.

Beyond these fundamental features, the policy includes several additional benefits that further enhance its attractiveness. Personal liability coverage is extensive, with a limit of €4.5 million per event for bodily injury claims and €300,000 for property damage, ensuring strong protection against third-party claims. Legal assistance of up to €20,000 is available to support insured individuals in legal disputes while abroad. Search and rescue operations are covered up to €5,000, providing essential financial aid for travelers engaging in adventure activities or remote-area travel.

Further benefits include trip interruption coverage, which reimburses up to €7,500 per insured person and €35,000 per event for unused travel expenses due to emergencies requiring an early return. Psychological assistance is also provided in the event of severe trauma or injury, covering consultation costs with a licensed psychologist. Additionally, evacuation due to political unrest or natural disasters is covered, ensuring travelers can return home safely in case of unexpected events in their destination country.

Overall, the MondialCare World Travel Insurance policy offers a well-balanced and extensive coverage plan, making it an excellent choice for short- to medium-term travelers looking for strong medical coverage, comprehensive trip protection, and generous baggage compensation. The inclusion of high personal liability limits, legal assistance, search and rescue benefits, and trip interruption compensation enhances its value, ensuring that policyholders have access to one of the most adaptable and reliable travel insurance options available. The combination of moderate excess, strong medical benefits, flexible trip duration, and broad additional protections ensures that travelers can embark on their journeys with confidence, knowing they have robust and comprehensive travel insurance coverage.

Rating

Starting from:24,88 €

Deductible

€0

Cancellation guarantee

Up to 5 550 €

Essential medical costs

Up to 10 000 000 €

Repatriation costs

6 250 €

Maximum trip duration

1 year

Loss / theft / delay of luggage

Up to 2 200 €

Deductible

€0

Cancellation guarantee

Up to 5 550 €

Essential medical costs

Up to 10 000 000 €

Repatriation costs

6 250 €

Maximum trip duration

1 year

Loss / theft / delay of luggage

Up to 2 200 €

Reimbursement for accommodation after a blockage abroad
Aftercare after repatriation in Ireland
Replacement vehicle (abroad)
Tow truck in Ireland
Pre-existing conditions
Exclusions relating to the condition and use of the car

Pros

Cons

Reimbursement for accommodation after a blockage abroad
Aftercare after repatriation in Ireland
Replacement vehicle (abroad)

Tow truck in Ireland

At an agency

Our detailed review

This policy offers comprehensive coverage for travelers seeking financial protection and assistance for various travel-related risks. One of the fundamental aspects of this policy is the excess, which varies depending on the level of coverage selected. The Bronze plan has an excess of £100 (£150 for personal liability claims), while the Silver plan reduces it to £75, and the Gold plan further lowers it to £50. The excess applies to each insured person, per section, and per claim, which means that multiple claims during a single trip could lead to multiple excess deductions. This ensures that policyholders contribute a minimal amount toward claim costs, helping to keep premiums lower while still providing substantial coverage.

A standout feature of this policy is its emergency medical and associated expenses coverage, which offers substantial financial protection in case of illness, injury, or accidents while traveling. The Bronze plan covers up to £2 million, while the Silver plan increases this limit to £5 million, and the Gold plan provides the most extensive coverage at £10 million. This covers hospital treatment, surgery, repatriation, and other necessary medical expenses. Additionally, inpatient benefits are included, offering £10 per day (up to £200) under the Bronze plan, £20 per day (up to £200) under Silver, and £20 per day (up to £500) under Gold, providing financial relief for extended hospital stays. Emergency dental treatment is covered up to £350 for Bronze and Silver and £500 for Gold, ensuring that travelers receive proper care for urgent dental issues. Furthermore, funeral expenses are covered up to £1,500 in Bronze and Silver and £5,000 in Gold, while search and rescue services are fully covered when deemed medically necessary.

The maximum trip duration varies depending on the coverage level and is designed to accommodate different travel patterns. This policy is specifically for short trips, covering travel periods of 31 days or less per trip across all plans. It is essential to note that there is no coverage for trips exceeding 31 days, even for the initial 31-day period, making this policy more suitable for frequent travelers who take multiple shorter trips rather than extended vacations. This restriction ensures that the policy remains tailored for typical holidaymakers and business travelers rather than long-term travelers or expatriates.

When it comes to flight delay and cancellation compensation, the policy provides substantial protection for disruptions that may impact travel plans. For delayed departure, the Bronze plan offers £10 for every 12-hour delay, up to £100, while the Silver plan increases this to £20 for the first 12 hours and £10 for each additional 12 hours, up to £250. The Gold plan provides the highest compensation, offering £30 for the first 12 hours and £15 for each additional 12 hours, up to £300. If a delay extends beyond 24 hours, travelers can claim trip abandonment compensation, covering £1,000 (Bronze), £2,500 (Silver), and £5,000 (Gold) for non-refundable expenses. Additionally, missed departure coverage is provided, with £500 (Bronze), £1,000 (Silver), and £1,500 (Gold) to cover alternative transportation and accommodation costs due to unavoidable delays.

The luggage cover ensures financial protection for lost, stolen, or damaged personal belongings. Under the Bronze plan, there is no personal possessions coverage, while the Silver plan provides up to £1,500 and the Gold plan increases this to £2,000. Single-item limits apply, capping coverage at £300 per item, while valuables (such as jewelry, watches, and electronics) are limited to £400 in both Silver and Gold plans. Additionally, compensation for delayed personal possessions is included, offering £50 (Bronze), £150 (Silver), and £200 (Gold) if baggage is delayed for more than 12 hours. Personal money coverage is also available, providing £500 coverage with a cash limit of £250 in both Silver and Gold plans. Loss of passport coverage ensures reimbursement for additional costs associated with replacing a lost or stolen passport, with £150 covered under Silver and £250 under Gold.

Beyond these primary benefits, the policy includes a range of additional features that make it highly competitive. Personal accident coverage provides financial compensation in case of severe injuries, offering £5,000 (Bronze), £15,000 (Silver), and £20,000 (Gold) for accidental death, loss of limbs, or permanent disability. Personal liability protection ensures that travelers are covered against third-party claims for bodily injury or property damage, with limits of £1 million (Bronze), £1.5 million (Silver), and £2 million (Gold). Legal expenses coverage further enhances protection, offering £5,000 (Bronze), £15,000 (Silver), and £25,000 (Gold) to assist with legal claims arising during travel. For travelers concerned about supplier insolvency, end-supplier failure protection is included exclusively in the Gold plan, covering up to £1,500 if a travel provider ceases operations.

Additional optional covers enhance the flexibility of this policy, making it suitable for different travel needs. Winter sports cover is available for an extra premium, providing compensation for ski equipment (£300 for owned, £300 for hired, with a £400 single-item limit), ski hire (£300), piste closure (£20 per day up to £200), and avalanche delays (£25 per day up to £250). Business travelers can opt for business cover, which includes replacement business associate cover (£750 in Silver and £1,000 in Gold) and business equipment protection (£300 in Silver and £500 in Gold).

Overall, the Allianz Annual Multi-Trip Travel Insurance policy provides a well-balanced and competitive travel insurance solution, offering strong medical coverage, essential travel disruption benefits, reliable luggage protection, and a wide range of additional covers. The flexible excess options, high medical expense limits, and comprehensive cancellation and baggage coverage make it a solid choice for frequent travelers who take multiple short trips per year. The inclusion of legal and liability protection, personal accident benefits, and supplier failure coverage in higher tiers enhances its appeal, ensuring that travelers have access to comprehensive and adaptable travel insurance protection tailored to various needs.

Premier Plus Travel Insurance

4.3

Premier Plus Travel Insurance|

4.3

Rating

Starting from:26,41 €

Deductible

90€

Cancellation guarantee

Up to final costs

Essential medical costs

Unlimited coverage

Repatriation costs

Covered

Maximum trip duration

120 days

Loss / theft / delay of luggage

Up to 2 500€

Deductible

90€

Cancellation guarantee

Up to final costs

Essential medical costs

Unlimited coverage

Repatriation costs

Covered

Maximum trip duration

120 days

Loss / theft / delay of luggage

Up to 2 500€

High medical coverage
Wide coverage options
No excess on certain claims

High medical coverage
Wide coverage options
No excess on certain claims

At an agency

Our detailed review

The AIG Ireland Travel Insurance policy provides a well-rounded and robust coverage plan tailored to travelers’ needs, ensuring financial security and peace of mind during trips. The policy includes multiple tiers—Budget, Premier, and Premier Plus—each with varying levels of benefits and protections. One of the fundamental aspects of this policy is the excess amount, which varies based on the type of policy and claim. Generally, the standard excess applies to each insured individual and incident. However, for those opting for the Premier Plus plan, all excesses are waived, significantly increasing the value proposition for travelers seeking complete coverage without out-of-pocket expenses during claims. Additionally, an Excess Waiver can be purchased for Budget and Premier plans, allowing policyholders to eliminate the excess entirely for an additional premium.

The medical coverage is one of the strongest features of this policy. Depending on the plan chosen, the insurance covers medical expenses comprehensively, with the Budget Plan offering up to €2,000,000 with a €100 excess, the Premier Plan covering up to €5,000,000 with a €100 excess, and the Premier Plus Plan providing unlimited medical coverage with no excess. The policy includes emergency medical, surgical, and hospital treatment, including ambulance costs. Additionally, emergency dental treatment up to €300 is covered, provided it is for immediate pain relief. A major advantage is the hospital benefit, which provides €15 per day up to €3,000 for prolonged medical stays, offering extra financial support in case of extended hospitalization.

The duration of the trip covered depends on the type of plan selected. Single Trip Insurance covers a journey of up to 120 consecutive days, while Annual Multi-Trip Insurance covers multiple trips throughout the policy period, with limits per trip of 31 days under the Budget Plan, 45 days under the Premier Plan, and 60 days under the Premier Plus Plan. For long-term travelers, Extended Stay Insurance is available, covering a single trip of up to 12 months. These options cater to a wide range of travelers, from occasional vacationers to those embarking on long-term adventures.

AIG’s policy offers compensation for delayed and canceled flights, ensuring that travelers receive financial relief in case of disruptions. If a final international departure is delayed for more than 12 hours, a benefit of €15 per 12-hour period is provided, with maximum limits of €300 for Premier and €500 for Premier Plus policyholders. If the delay extends beyond 24 hours, the policy reimburses up to €5,000 for non-refundable travel and accommodation expenses, depending on the plan. Additionally, for missed departures and missed connections due to transportation issues, coverage ranges from €300 in the Budget Plan to €1,000 in the Premier Plus Plan for additional accommodation and travel expenses. A significant advantage of this coverage is that it extends to delays caused by strikes, mechanical breakdowns, and poor weather conditions, which are often excluded by other insurers.

Luggage protection is another essential component of this travel insurance. AIG Ireland Travel Insurance ensures coverage for lost, stolen, or damaged baggage during the trip. The reimbursement varies based on the plan, with the Budget Plan covering up to €500 and a single item limit of €100, the Premier Plan covering up to €2,000 with a single item limit of €250, and the Premier Plus Plan providing coverage of up to €2,500 with a single item limit of €300. For delayed baggage, policyholders can claim compensation for essential purchases if their baggage is delayed for more than 12 hours, with reimbursement reaching up to €300 in the higher-tier plans. Additionally, the valuables cover ensures reimbursement for lost or stolen high-value items, including electronics and jewelry, with limits reaching €400 in the Premier Plus plan.

Beyond the core coverage, AIG Ireland Travel Insurance includes several extra protections, adding tremendous value to travelers. The policy provides personal liability protection of up to €2,000,000 for injuries or damages caused to third parties, as well as legal expenses coverage of up to €50,000 in the Premier Plus plan. Travelers with specific needs can opt for additional covers, such as winter sports cover, which is ideal for skiing and snowboarding enthusiasts. Golf cover includes equipment protection, green fees reimbursement, and rental equipment coverage, making it perfect for golf holidays. Wedding cover ensures the protection of wedding attire, rings, and gifts against loss, theft, or damage during the trip. Additionally, a natural catastrophe cover add-on provides compensation for trip disruptions caused by natural disasters such as hurricanes and earthquakes.

AIG Ireland Travel Insurance stands out for its comprehensive medical coverage, flexible trip duration options, and extensive baggage and cancellation protections. The absence of an excess in the Premier Plus plan and unlimited medical coverage make it an outstanding choice for travelers seeking high-value protection. The variety of optional covers, including winter sports, golf, and wedding cover, provides further customization, catering to different types of travelers. This policy presents an excellent balance of affordability, high coverage limits, and extra perks, making it a top-tier option in the travel insurance market.

Premier Travel Insurance

4.2

Premier Travel Insurance|

4.2

Rating

Starting from:26,41 €

Deductible

90 €

Cancellation guarantee

Up to 5 000 €

Essential medical costs

Unlimited coverage

Repatriation costs

Covered

Maximum trip duration

1 year

Loss / theft / delay of luggage

Up to 2 500 €

Deductible

90 €

Cancellation guarantee

Up to 5 000 €

Essential medical costs

Unlimited coverage

Repatriation costs

Covered

Maximum trip duration

1 year

Loss / theft / delay of luggage

Up to 2 500 €

At an agency

Our detailed review

The AIG MedicareExtra Travel Insurance offers comprehensive coverage, addressing various aspects of travel protection to ensure peace of mind during trips. One of the key elements of this insurance policy is the excess amount applicable to claims. Depending on the type of claim, a specified excess amount must be borne by the policyholder before the insurance cover takes effect. For example, in the case of medical expenses, an excess is applied unless the insured has used a European Health Insurance Card or an equivalent scheme. The excess ensures that minor claims are managed efficiently while significant and unexpected financial burdens are mitigated.

A critical feature of this travel insurance policy is its coverage for essential medical expenses incurred while abroad. The policy provides financial protection for emergency medical, surgical, and hospital treatment that exceeds the coverage provided by the insured’s private medical insurance. It also includes ambulance costs, emergency dental treatment for pain relief, and repatriation to the Republic of Ireland if deemed medically necessary. Additionally, in the unfortunate event of death while traveling, the policy covers the cost of returning the insured’s remains or funeral expenses abroad. These provisions ensure that travelers are not burdened with unexpected medical costs while away from home.

The policy outlines a maximum trip duration that varies based on the type of plan selected. For single-trip policies, coverage extends up to 120 consecutive days, whereas annual multi-trip policies allow multiple trips within the coverage period, with a limit per trip depending on the chosen level of insurance—31, 45, or 60 consecutive days for Budget, Premier, or Premier Plus policies, respectively. Extended Stay policies provide coverage for trips of up to 12 consecutive months, making them an excellent option for individuals planning long-term travel. The flexibility in trip duration options ensures that travelers can select a plan that best fits their needs without concerns about exceeding coverage limits.

Flight delays and cancellations are another area where this policy offers financial protection. If a final international departure is delayed for more than 12 hours due to poor weather conditions, strikes, industrial action, or mechanical breakdown, the policy provides a fixed financial benefit for each complete 12-hour delay period. In cases where a delay extends beyond 24 hours, travelers may abandon their trip and recover non-refundable travel and accommodation costs. However, the policy does not cover costs already compensated under EU regulations, ensuring that claims are processed fairly and avoiding duplicate reimbursements from airlines.

Luggage coverage is also an essential component of this policy, offering reimbursement for lost, stolen, or damaged baggage. Personal belongings are covered up to specified limits, ensuring compensation for valuable items lost during travel. Additionally, the policy provides coverage for delayed baggage, allowing travelers to purchase necessary items if their checked luggage does not arrive on time. This feature is particularly beneficial for those who rely on essential items stored in their luggage and need immediate replacements upon arrival.

Beyond these core benefits, the AIG MedicareExtra Travel Insurance also includes coverage enhancements that distinguish it from standard travel insurance policies. Optional add-ons such as winter sports cover, golf cover, business cover, wedding cover, and natural catastrophe cover provide tailored protection for travelers with specific needs. These additional coverage options ensure that policyholders can engage in various activities and experiences without worrying about financial losses due to unforeseen incidents. Furthermore, the policy includes provisions for missed departures and missed connections, helping travelers cover the cost of alternative travel arrangements if unforeseen circumstances disrupt their plans.

Overall, the AIG MedicareExtra Travel Insurance policy offers robust coverage with flexible options catering to different types of travelers. With comprehensive medical protection, compensation for travel disruptions, and valuable baggage cover, the policy ensures that policyholders are well-protected against a wide range of travel-related risks. Additional coverage options further enhance the appeal of this policy, making it an attractive choice for travelers seeking a reliable and extensive insurance plan for their trips.

Value Travel Insurance

3.9

Value Travel Insurance|

3.9

Rating

Starting from:29,00 €

Deductible

150 €

Cancellation guarantee

Up to 6 000 €

Essential medical costs

10 000 000 €

Repatriation costs

Not covered

Maximum trip duration

31 days

Loss / theft / delay of luggage

Up to 1 500 €

Deductible

150 €

Cancellation guarantee

Up to 6 000 €

Essential medical costs

10 000 000 €

Repatriation costs

Not covered

Maximum trip duration

31 days

Loss / theft / delay of luggage

Up to 1 500 €

Holiday abandonment & missed departure cover
High excess amounts
Limited baggage & valuables cover
Short maximum trip duration

Pros

Cons

Holiday abandonment & missed departure cover

At an agency

Our detailed review

This travel insurance offers comprehensive coverage that ensures travelers are protected against unexpected financial burdens during their trips. One of the key elements of the policy is the excess applied to claims, which is the amount the insured must contribute before receiving reimbursement. Under this plan, an excess of €150 per insured person, per claim applies to most sections, including medical expenses, cancellation, and baggage claims. However, for loss of deposit claims, the excess is reduced to €30. The inclusion of an excess waiver option allows travelers to remove this financial responsibility by paying an additional premium, providing flexibility for those who prefer to minimize out-of-pocket expenses in the event of a claim.

The policy provides substantial medical coverage for travelers encountering unexpected health issues abroad. It offers up to €3,000,000 for emergency medical expenses, including hospital stays, surgical treatments, ambulance services, and repatriation to Ireland if required. Additional benefits include €200 for emergency dental treatment to relieve pain, and €5,000 for funeral expenses in case of death abroad. For infants born due to pregnancy complications, the policy covers up to €75,000 worldwide and €200,000 for trips to the USA or the Caribbean. Travelers must ensure they notify the AA Emergency Assistance Service in cases of hospitalization or when costs exceed €350, as prior authorization is required for these claims. This extensive medical protection ensures policyholders are covered in the event of serious health emergencies while traveling.

The maximum trip duration under this policy varies depending on the type of coverage selected. A single-trip policy provides coverage for the entire duration of a specific trip, whereas annual multi-trip policies allow multiple journeys throughout a 12-month period, with each individual trip covered for up to 31 consecutive days. Travelers engaging in winter sports can extend their coverage for up to 17 days per year if they opt for this additional benefit. This flexibility ensures that frequent travelers and those taking longer trips can select an option that suits their travel needs without worrying about coverage limitations.

When it comes to flight delays and cancellations, the policy provides financial compensation for prolonged waiting times. If a flight is delayed for more than 12 hours, policyholders are entitled to €20 per 12-hour delay period, up to a maximum of €200. If a delay exceeds 24 hours, the policyholder can abandon their trip and claim up to €1,000 for non-refundable travel and accommodation expenses. Furthermore, if a missed departure occurs due to public transport failure, vehicle breakdown, or strikes, travelers can claim up to €500 to cover alternative transportation and accommodation costs. These provisions help mitigate the financial impact of travel disruptions, ensuring travelers are reimbursed for unforeseen circumstances.

The luggage cover provided under this policy ensures compensation for lost, stolen, or damaged baggage, with a maximum payout of €1,500 per person. The policy includes a single-item limit of €150 and a valuables limit of €250 in total. Additionally, if checked baggage is delayed by an airline for at least 12 hours, travelers can claim up to €75 for the purchase of essential items. In case of a lost or stolen passport, the policy covers up to €75 for emergency replacement and associated travel costs. These features offer travelers peace of mind, knowing they are financially protected against baggage mishaps.

Beyond these core benefits, the AA Travel Insurance Value policy includes several optional add-ons that make it an appealing choice for travelers with specific needs. Winter sports cover provides up to €1,000 for ski equipment, €600 for ski hire reimbursement, and €600 for piste closure compensation. Business travelers can enhance their policy with business equipment coverage, offering protection for up to €2,000 in lost or damaged equipment and €750 for rental replacements. The golf extension provides up to €1,000 in golf equipment coverage and compensation for unused green fees. Travelers renting cars can opt for car hire excess cover, which covers up to €3,000 in excess fees charged by rental companies. Additionally, third-party supplier insolvency protection is available, offering up to €2,000 in case of travel provider bankruptcy.

Overall, the AA Travel Insurance Value policy delivers a well-rounded travel insurance package with strong medical coverage, compensation for travel disruptions, robust baggage protection, and customizable coverage extensions. With flexible trip duration options and additional add-ons tailored for winter sports enthusiasts, business professionals, golfers, and rental car users, the policy ensures comprehensive financial security while traveling. Whether embarking on short getaways or extended vacations, policyholders can travel with confidence, knowing they are protected against a wide range of travel-related risks.

Holiday+ Travel Insurance

4.3

Holiday+ Travel Insurance|

4.3

Rating

Starting from:34,78 €

Deductible

90 €

Cancellation guarantee

Up to 3 000 €

Essential medical costs

5 000 000 €

Repatriation costs

Not covered

Maximum trip duration

90 days

Loss / theft / delay of luggage

1 500 €

Deductible

90 €

Cancellation guarantee

Up to 3 000 €

Essential medical costs

5 000 000 €

Repatriation costs

Not covered

Maximum trip duration

90 days

Loss / theft / delay of luggage

1 500 €

Winter sports equipment cover extension
Possibility to reduce all excess to nil
Numerous areas covered with this insurance

Winter sports equipment cover extension
Possibility to reduce all excess to nil
Numerous areas covered with this insurance

At an agency

Our detailed review

This travel insurance provides a comprehensive and flexible range of coverage options designed to protect travelers from various risks they may encounter while abroad. One of the key aspects of the policy is the excess applicable to claims, which is the amount the policyholder must pay before receiving compensation. The standard excess for most claims, including medical expenses, luggage, and cancellations, is €90 per person. However, for loss of deposit claims, the excess is only €10. Additionally, if a European Health Insurance Card (EHIC) is used for medical treatment within the European Union, the excess for medical expenses is waived. This structure allows travelers to benefit from lower out-of-pocket expenses while ensuring comprehensive protection against significant financial burdens.

The policy offers extensive medical coverage for travelers, covering up to €5,000,000 for necessary medical expenses, including emergency medical treatment, hospital stays, surgical procedures, and ambulance services. Emergency repatriation costs are also included, ensuring that if a traveler needs to be transported back to Ireland due to medical reasons, they will not have to bear the expenses themselves. Additionally, the policy covers up to €10,000 for cremation, burial, or transportation charges in the unfortunate event of death abroad. Emergency dental treatment for pain relief is covered up to €300, while hospitalization benefits provide €20 per 24-hour period spent in a hospital, up to a maximum of €400. These comprehensive medical benefits ensure that policyholders are financially protected against unexpected healthcare costs while traveling.

The maximum trip duration covered under this policy depends on the type of coverage selected. A single-trip policy provides coverage for the entire duration of the trip as specified in the policy schedule. For annual multi-trip policies, each trip is covered for up to 30 consecutive days, with a total of 90 days per year covered. Additionally, if the winter sports coverage extension is selected, it provides an additional 21 days of coverage for winter sports-related travel. This flexibility allows travelers to select a plan that best aligns with their travel habits, whether they take multiple short trips throughout the year or embark on extended journeys.

In the event of flight delays or cancellations, the policy offers financial compensation to reduce inconvenience and additional expenses. If a flight is delayed for at least 12 hours due to adverse weather, technical failures, strikes, or other covered disruptions, the insured will receive €20 for the first 12-hour delay and €10 for each subsequent 12-hour period, up to a maximum of €150. If the delay exceeds 24 hours, the policyholder may abandon the trip and claim up to €3,000 for non-refundable cancellation costs. Additionally, if the insured misses a departure due to vehicle breakdown or public transport failures, they can claim up to €500 for accommodation and alternative travel arrangements. These provisions ensure that travelers are financially protected from the inconvenience and costs associated with unexpected travel disruptions.

The luggage coverage provided by this policy ensures compensation for lost, stolen, or damaged baggage and personal belongings, with reimbursement up to €1,500 per person. There is a single-item limit of €250 and a valuables limit of €250. Additionally, if checked luggage is delayed by the airline for at least 12 hours, the insured can claim up to €200 for essential purchases. The policy also includes special coverage for mobility aids, providing €500 for lost or damaged equipment and an additional €500 for hiring replacements. Furthermore, if the insured loses essential medication, the policy covers up to €300 for courier costs to replace the lost or forgotten prescription. These benefits offer substantial protection against baggage-related inconveniences and financial losses.

Beyond these core protections, the An Post Holiday Plus Travel Insurance policy offers several optional coverage extensions, enhancing its appeal to travelers with diverse needs. Winter sports cover includes protection for ski equipment up to €1,500, ski pack reimbursement up to €300, and piste closure compensation up to €200. Car hire excess coverage of up to €5,000 ensures that travelers renting vehicles are protected against costly rental company excess fees. The cruise extension offers coverage for missed port departures (€1,000), cabin confinement (€1,000), unused excursions (€500), and cruise interruptions (€1,000). Golf enthusiasts can opt for a golf extension, which covers golf equipment (€1,000), rental replacement (€200), and unused green fees (€300). Additionally, a business extension is available, providing coverage for business equipment (€2,000), business samples (€500), and business money (€1,000).

Overall, the An Post Holiday Plus Travel Insurance policy offers a well-rounded and customizable level of protection, making it a compelling choice for travelers seeking comprehensive and flexible insurance. With strong medical coverage, compensation for travel disruptions, robust luggage protection, and an array of optional add-ons, policyholders can travel confidently, knowing they are protected against a wide range of potential risks. Whether for leisure travel, business trips, winter sports vacations, or cruise holidays, this insurance policy provides tailored coverage options to suit different travel needs, ensuring peace of mind and financial security while exploring the world.

Rating

Starting from:35,89 €

Deductible

150 €

Cancellation guarantee

Up to 1 000 €

Essential medical costs

10 000 000 €

Repatriation costs

Not covered

Maximum trip duration

1 year

Loss / theft / delay of luggage

Up to 3000 €

Deductible

150 €

Cancellation guarantee

Up to 1 000 €

Essential medical costs

10 000 000 €

Repatriation costs

Not covered

Maximum trip duration

1 year

Loss / theft / delay of luggage

Up to 3000 €

Competitive pricing
No excess on higher plans
Real-time flight delay compensation
Lower personal item limits

Pros

Cons

Competitive pricing
No excess on higher plans
Real-time flight delay compensation

At an agency

Our detailed review

The Chill Travel Insurance policy provides a comprehensive travel protection plan that caters to a variety of travelers’ needs. One of the key aspects of this policy is the excess, which differs based on the level of coverage selected. The Silver plan has a standard excess of €150 for most claims, including medical expenses, cancellation, and baggage cover, while the Gold plan lowers this to €95 and the Platinum plan further reduces it to zero. This flexibility ensures that travelers can select a level of coverage that balances cost with the amount they are willing to contribute in case of a claim. Having a zero excess option under the Platinum plan enhances the policy’s attractiveness, eliminating out-of-pocket costs for claims.

The policy provides extensive medical coverage, which is a crucial factor for any travel insurance plan. The Silver plan covers €2 million, while the Gold plan increases this to €5 million, and the Platinum plan offers the highest coverage at €10 million. This ensures policyholders are protected against high medical costs, including emergency treatments, hospital stays, and repatriation if necessary. Additionally, hospital benefit payments are included, with €15 per 24-hour period (Silver), €20 (Gold), and €25 (Platinum), ensuring some financial support for incidental expenses incurred during hospitalization. Emergency dental treatment is also covered, with €200 for Silver and €450 for both Gold and Platinum plans, adding an extra layer of medical security.

Regarding maximum trip duration, the policy offers flexible options depending on the level of cover. For single trips, coverage is available for up to 365 days, making it suitable for long-term travelers. For annual multi-trip insurance, the Silver plan covers trips of up to 31 days per trip, while the Gold plan extends this to 45 days, and the Platinum plan allows up to 60 days per trip. Additionally, travelers aged 66 and over are covered for up to 31 days per trip, ensuring that even older policyholders can enjoy extended coverage. These options provide a high level of flexibility, making the policy suitable for both occasional and frequent travelers.

The flight delay and cancellation compensation offered by this policy is designed to alleviate financial stress caused by unexpected disruptions. Under the Silver plan, the policy provides €10 for every 12 hours of delay, up to a maximum of €200, while the Gold plan increases this to €20 per 12-hour delay, up to €200, and the Platinum plan further enhances the compensation to €30 per 12-hour delay, up to €400. If a delay exceeds 24 hours, the abandonment coverage kicks in, compensating travelers up to €1,000 (Silver), €4,000 (Gold), and €6,000 (Platinum) for prepaid, non-refundable travel expenses. Missed departure coverage is also included, with €400 (Silver), €500 (Gold), and €600 (Platinum) available to cover extra transport and accommodation costs. Additionally, real-time flight delay compensation is included in the Gold and Platinum plans, offering immediate benefits when a flight is delayed, enhancing traveler convenience.

The luggage cover is another important feature, protecting travelers against loss, theft, or damage to personal belongings. The Silver plan provides up to €1,000, while the Gold plan increases this to €2,000, and the Platinum plan offers up to €3,000. Individual limits apply, with single-item limits set at €150 (Silver), €200 (Gold), and €250 (Platinum). The cover for valuables also varies, with €200 (Silver), €300 (Gold), and €400 (Platinum), ensuring that higher-value items such as electronics and jewelry are adequately protected. Delayed luggage compensation is also included, offering up to €100 (Silver), €200 (Gold), and €375 (Platinum), allowing travelers to purchase essential items while waiting for their baggage to arrive.

Beyond these primary features, the policy includes a range of additional benefits to enhance its appeal. Personal accident coverage is provided, offering €5,000 (Silver), €20,000 (Gold), and €40,000 (Platinum) for loss of limbs, sight, or permanent total disablement. Personal liability coverage is also extensive, with €1,000,000 (Silver) and €2,000,000 (Gold and Platinum), ensuring protection against third-party claims for injuries or property damage. Legal expenses coverage is another strong feature, offering €15,000 (Silver) and €20,000 (Gold and Platinum), providing financial support in legal disputes.

Winter sports coverage is included as standard in the Gold and Platinum plans and available as an add-on for the Silver plan. This includes ski hire (€500), equipment cover (€500 for owned, €500 for hired), piste closure compensation (€750), and avalanche cover (€750), ensuring comprehensive protection for winter sports enthusiasts. The policy also includes hijack compensation of up to €2,000, catastrophe cover up to €1,000, and credit card fraud protection up to €500 under the Platinum plan, further enhancing its benefits.

Overall, the Chill Travel Insurance policy is a well-rounded travel protection plan that offers strong medical coverage, flexible trip durations, generous compensation for travel disruptions, and robust luggage protection. The inclusion of zero excess on the Platinum plan, high trip cancellation limits, and winter sports cover as standard on higher tiers makes it particularly attractive. The ability to claim real-time flight delay compensation and high levels of legal and liability cover further enhances its value, making it a solid choice for travelers seeking comprehensive, flexible, and reliable travel insurance coverage.

Table of Contents

What is trip cancellation insurance?
What reasons are covered by trip cancellation insurance?
How to choose the best trip cancellation insurance in 2025?
How much does trip cancellation insurance cost?
Can you get cancellation insurance after booking your flight?
Does your bank card cover trip cancellation?

You’ve booked a trip and want to protect yourself from unexpected events that could force you to cancel? Trip cancellation insurance is a valuable solution to get reimbursed for your expenses if something prevents you from leaving. In 2025, the number of options available in Ireland is growing fast, but not all policies offer the same level of protection.

Price, coverage, exclusions — after comparing several trip cancellation plans available in Ireland, here’s everything you need to know to choose the best policy.

Trip cancellation insurance: key points to remember

Covers travel expenses (tickets, accommodation, etc.) if you need to cancel your trip due to an unexpected event.
Must generally be purchased within 48 to 72 hours of booking your trip. Some Irish insurers may allow slightly longer, but this is rare.
Commonly accepted reasons: illness or accident, death of a family member, job loss or relocation, theft of travel documents, natural disasters.
Frequent exclusions: undeclared pre-existing medical conditions, cancellation without valid proof, pregnancy complications after 28 weeks.
The price typically ranges from 3% to 8% of the total trip cost. For example, for a €1,500 holiday, expect to pay around €45 to €120.
Credit cards may include cancellation coverage, but this is often limited and doesn't cover all reasons for cancellation.

What is trip cancellation insurance?

Trip cancellation insurance is a type of coverage that allows you to be reimbursed, fully or partially, for the costs incurred for a trip (flights, accommodation, activities, etc.) if you have to cancel due to an unforeseen and compelling reason. It can be purchased on its own or included as part of a multi-risk travel insurance policy.

Example: you need to cancel a trip to Bali because you break your leg 5 days before departure. If you have cancellation insurance, you can be reimbursed for your flight tickets, hotel bookings, and prepaid activities.

Please note

Unlike transport and accommodation, reimbursement for activities is usually capped at a certain amount (often up to €500 per activity).
If your travel providers (such as the airline) already refund part of your costs, the cancellation insurance will only cover the difference between the purchase price and the amount reimbursed.

What reasons are covered by trip cancellation insurance?

You can’t cancel a trip for just any reason.

✅ Commonly covered reasons:

Serious illness or accident affecting the traveller or a close relative (with medical certificate)
Death of a family member
Redundancy or job relocation
Starting a new job
Visa refusal by the authorities
Theft of essential travel documents
Major damage to your home
Severe pregnancy complications (under certain conditions)
Natural disaster or terrorist attack at your destination

💡 Good to know: Some policies include cancellation for any reason (usually as an optional add-on), with a deductible or partial reimbursement (e.g. 70% of costs).

❌ Common exclusions:

Cancelling due to a simple change of mind
Situations known before purchasing the insurance
Delayed or forgotten passport application
Travel to countries under war or high-risk advisories
Discovery of pregnancy (unless severe complications)
Mental health issues not deemed acute or not documented
Extreme sports or injuries from activities excluded by the policy

⚠️ Not recommended: Low-cost plans from AIG or similar, which include many exclusions, such as visa refusal or vague terms like "non-urgent medical conditions".

To avoid unpleasant surprises, always read the full terms and conditions of your policy!

Good to know

To justify a trip cancellation, you’ll need to provide a number of documents to your insurance provider. These supporting documents will depend on the reason for the cancellation.

Example: in case of illness or accident, a detailed medical certificate is usually required. For a job relocation, you’ll need a letter from your employer confirming the move.

How to choose the best trip cancellation insurance in 2025?

To find the best cancellation policy, it’s important to compare coverage, exclusions, and reimbursement limits. Here’s a quick summary of the key factors to look at:

Key criteria	Why it matters	Expert advice
Covered cancellation reasons	To avoid unpleasant surprises	Choose policies that cover a wide range of reasons. Some plans identified by HelloSafe include cancellation due to home damage (fire, flooding…), co-traveller cancellation, premature childbirth, or even illness or death of a pet, among many others.
Accepted subscription timeframes	Policies can be invalidated if purchased too late	Purchase within 48 hours of booking your trip
Maximum reimbursement amounts	Some plans only cover a portion of your expenses	Check whether the plan reimburses up to 100% of your expenses
Your uncertainty level and trip cost	Risk is higher if you’re unsure about travelling or the trip is expensive	Consider adding the “any reason” cancellation option in such cases
Included assistance services	Helpful for handling claims and cancellations	Opt for an insurer offering 24/7 support and administrative assistance

Covered cancellation reasons

Why it matters

To avoid unpleasant surprises

Expert advice

Choose policies that cover a wide range of reasons. Some plans identified by HelloSafe include cancellation due to home damage (fire, flooding…), co-traveller cancellation, premature childbirth, or even illness or death of a pet, among many others.

Accepted subscription timeframes

Why it matters

Policies can be invalidated if purchased too late

Expert advice

Purchase within 48 hours of booking your trip

Maximum reimbursement amounts

Why it matters

Some plans only cover a portion of your expenses

Expert advice

Check whether the plan reimburses up to 100% of your expenses

Your uncertainty level and trip cost

Why it matters

Risk is higher if you’re unsure about travelling or the trip is expensive

Expert advice

Consider adding the “any reason” cancellation option in such cases

Included assistance services

Why it matters

Helpful for handling claims and cancellations

Expert advice

Opt for an insurer offering 24/7 support and administrative assistance

💡Expert tip: cancellation insurance is especially recommended when the trip is booked well in advance, is very expensive, or if your personal situation is uncertain (illness, pregnancy, etc.), as the risk of needing to cancel increases.

How much does trip cancellation insurance cost?

The factors that influence the price

Total trip cost: the more expensive your trip, the higher the insurance premium, as the potential reimbursement is greater.
Time of purchase: the later you buy your insurance, the higher the price may be.
Age of travellers: some providers increase premiums for senior travellers.
Destination and trip duration: distant destinations and longer trips are more expensive to insure.
Type of coverage: a standard plan will be cheaper than a premium plan with “cancel for any reason” coverage.

Example trip	Average cancellation insurance price*
Weekend in Europe – €400	€20.00
Trip to New York – €1,500	€74.80
Family holiday – €3,000	€150.50
Round-the-world trip – €8,000	€359.90

Weekend in Europe – €400

Average cancellation insurance price*

€20.00

Trip to New York – €1,500

Average cancellation insurance price*

€74.80

Family holiday – €3,000

Average cancellation insurance price*

€150.50

Round-the-world trip – €8,000

Average cancellation insurance price*

€359.90

* Average price based on several offers from different insurers available in Ireland.

How to pay less for your trip cancellation insurance?

Here are a few smart tips to help you reduce the cost of cancellation insurance while keeping good coverage.

Optimisation tip	Explanation
⏱ Buy quickly	The longer you wait, the higher the premium might be
👨‍👩‍👧‍👧 Choose a group or family plan	Some providers offer family or group packages
⚖️ Compare online offers	Comparison sites like HelloSafe.ie help you find the best deal
👍 Go for a basic plan	If you’re okay with coverage limited to serious causes only
✚ Add it as an option to travel insurance	Often cheaper than standalone cancellation insurance

⏱ Buy quickly

Explanation

The longer you wait, the higher the premium might be

👨‍👩‍👧‍👧 Choose a group or family plan

Explanation

Some providers offer family or group packages

⚖️ Compare online offers

Explanation

Comparison sites like HelloSafe.ie help you find the best deal

👍 Go for a basic plan

Explanation

If you’re okay with coverage limited to serious causes only

✚ Add it as an option to travel insurance

Explanation

Often cheaper than standalone cancellation insurance

Can you get cancellation insurance after booking your flight?

Yes, it’s possible to purchase cancellation insurance after buying your flight ticket.

However, most insurers in Ireland require you to subscribe within 48 to 72 hours of booking your trip. After that, coverage may be reduced or declined, and the premium may increase significantly.

We recommend purchasing your insurance immediately after booking to make sure you’re covered under the best conditions.

Important

If your trip is scheduled within a few days, many insurers will not allow you to take out cancellation insurance after your flight has been booked.
Some insurers apply a waiting period between subscription and effective coverage (often around 14 days). If you leave 7 days after subscribing, you may not be covered during the first part of your trip.

Does your bank card cover trip cancellation?

Standard cards (such as Mastercard Classic or Visa Classic) do not include cancellation insurance.

However, some premium cards issued in Ireland—like Visa Platinum, Mastercard Gold, or cards from banks such as Bank of Ireland, AIB, or Revolut Premium/Metal—may include trip cancellation insurance. That said, this coverage is often limited to very specific and serious cases, comes with strict conditions, and is generally insufficient for full protection.

Example: the cancellation insurance on a Visa Platinum card may reimburse up to €5,000, usually restricted to serious medical issues. In comparison, a standalone cancellation policy can cover up to €20,000 and a wider range of causes.

⚠️ Also, if you rely on your bank card’s cancellation insurance, you should know:

You must have paid for the trip using the same card for the insurance to apply.
Cancellations without a specific reason (or “any justified reason”) are never covered by bank card insurance.