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Single Trip Travel Insurance

What is Single Trip travel insurance?

If you’re heading on a holiday this year, our Single Trip travel insurance can help to protect you.

It’s important that you have travel insurance before setting off on holiday – in fact, it’s often considered an essential. Luckily, our Single Trip travel insurance can help cover you if something goes wrong during your holiday. If you need to cancel your trip before you go, for example, or if you suffer an injury or illness while you’re away, you’ll have cover in place.

If you’re only going on one trip this year, then Single Trip travel insurance is likely to be the best option for you. You can get cover for the duration of your trip (up to 180 days), regardless of whether you’re holidaying in Europe or somewhere else abroad.

Below is some information about our insurance products, for which Terms and Conditions apply. Please visit the policy information hub for full details

With our Single Trip travel insurance, you can select the cover that best suits your needs. You’ll get to choose between three levels of cover: Bronze, Silver or Gold. Depending on which level of protection you pick, you’ll be covered for:

·         Cancelling or cutting your trip short

·         Emergency medical and associated expenses

·         Loss of passport*

·         Delayed personal possessions

·         Lost, stolen or damaged personal possessions*

·         Loss of money*

·         Personal accident

·         Missed departures

·         Delayed departures

·         Personal liability

*Not available with Bronze level cover

Terms and conditions apply.

If you plan to do some fun activities whilst you’re away, you may want to purchase additional cover. If you’re going skiing, tobogganing or snowboarding, for example, our Winter Sports and Ski add-on offers an appropriate level of cover for most skiing holidays. 

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Frequently Asked Questions

You can choose Single Trip or Annual travel insurance; your decision will likely depend on how often you travel.

Single Trip travel insurance is a better option if you only plan to go away once in the near future. But if you’ll be travelling twice or more in a calendar year, it may be worth choosing Annual travel insurance. Should you need to arrange travel insurance each time you go away, Annual cover can be more cost-effective than buying several Single Trip policies.

Whether you’re visiting Europe or somewhere further afield, our Single Trip travel insurance can cover trips lasting up to 180 days. When you book your cover, you’ll just need to tell us when you’re going, where you’re going and how long you’re travelling for.

Please note that, if your trip is scheduled to last for over 180 days, no part of your trip will be covered by the insurance. 

If you’re enjoying a staycation in Ireland, it’s still worth taking out travel insurance for your trip. After all, unexpected things can happen – even when you’re close to home. With Single Trip travel insurance, you’ll have cover in case you need to cancel your holiday or cut it short, for example.

When you take out a policy, just selectyour destination as Ireland. This will help cover any staycation in the Republic of Ireland.

If you’re travelling elsewhere, you can still take out Single Trip travel insurance for your trip. You’ll just need to select the countries you will be travelling to. Please note that you will not be covered if you travel to a country that you have not selected and had confirmed on your insurance confirmation.

We are where you are. Anytime.

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+ Individual trips must not last more than 35 days in duration.

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Single Trip Travel Insurance

ENJOY 20% OFF YOUR SINGLE TRIP TRAVEL INSURANCE BY BUYING ONLINE*

*20% online discount automatically applied to all new business AIG Direct Travel Insurance quotes.

The Top Benefits of AIG Single Trip Travel Insurance

Get more out of your one-off trip with AIG's single trip travel insurance, exceptional cover at a price to suit any budget and destination. Get covered on a weekend away from as little as €6.44[ 1 ].

[1] Cover for an individual aged 18-54 holding Private Health Insurance which provides medical cover whilst abroad, travelling for 3 days (2 nights) on an online European Budget policy (Single Trip Premium in this case €6.44). Example correct as of 06/03/2023.

Exceptional Price Tag

Whether you are heading near or far, our single trip cover comes at an affordable price letting you get on with your holiday.

Cover Levels To Suit You

AIG offer 3 types of Travel cover with optional additions to ensure that we have a policy to match your needs

24 Hour Emergency Assistance

Our 24/7 emergency service can liaise with doctors, hospitals and guarantee medical charges in a medical emergency

Travel Insurance Cover Levels That Suit Your Needs

Premier Plus Plan

∙ Up to unlimited medical expenses

∙ Personal baggage up to €2,500

∙ Up to the final cost for cancellation

∙ Up to €500 in travel delay cover

∙ Up to €500 uninhabitable accomodation

∙ Home help and pet care

Premier Plan

∙ Up to €5m in medical expenses

∙ Personal baggage up to €2,000

∙ Up to €5,000 for cancelling your trip

∙ Up to €300 in travel delay cover

∙ Up to €500 in uninhabitable accomodation

Budget Plan

∙ Up to €2m in medical expenses

∙ Personal baggage up to €500

∙ Up to €1,000 for cancelling your trip

Note : You can find a more detailed summary of whats covered and the  different benefits offered in our policy document  or on the product information documents for Budget, Premier Plus or Premier.

What is Single Trip Travel Insurance?

Single Trip travel insurance provides flexible cover for a one-off holiday or short break - with a cost to match the length of your trip and the destination you have in mind. It's the best online travel insurance option for anyone who is not expecting to travel again in the next 12 months and wants quick, simple, cost-effective holiday insurance to safeguard themselves whilst abroad for up to 120 days.

Frequently Asked Questions

You can find a list of our most frequently asked questions on our FAQ page. 

Our insurance policies do not cover pre-existing medical conditions, or travel to or through Cuba, Iran, Syria, North Korea or the Crimea region, or countries where the Department of Foreign Affairs have allocated  a security status of 'avoid non-essential travel' or 'do not travel'.  Other exclusions and conditions may apply so please check the  Policy Wording  for details.

Policy Documents

You can find our Travel Insurance Policy Document and IPIDs including all our historical versions, by following the link below.

Exceptional Single Travel Insurance to suit you!

Have a question.

You can contact our customer service team between 9am - 5pm on  1800 344 455 . If you need help with your existing policy or are looking to renew, you can find all your relevant information on our  Existing Customers  page.

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Terms and conditions:.

[1] Cover for an individual aged 18-54 holding Private Health Insurance which provides medical cover whilst abroad, travelling for 3 days (2 nights) on an online European Budget policy (Single Trip Premium in this case €6.44). Example correct as of 06/03/2023.

• Our products are available for Ireland residents only.

• You must be 18 years or over to purchase a policy.

• Your trip must not have already started to purchase a policy from us.

• Upper age limits may apply, depending on the product selected.

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Single Trip Travel Insurance Ireland

A Single Trip Travel Insurance policy covers a once-off holiday or a trip. This is the best value insurance for one trip a year.

WHAT IS SINGLE TRIP TRAVEL INSURANCE?

A Single Trip Travel Insurance policy is intended to cover a once-off holiday or trip, and you will usually be covered for cancellation from the day you purchase the policy.

If you will only be taking one trip in a year then this is usually the best option for you. You can also add on a number of additional covers to this type of policy such as cruise cover, winter sports, travel disruption or flight cancellation.

A Single Trip Travel Insurance may not always be the cheapest Travel Insurance cover for you, so it is always good to compare your Single Trip Travel Insurance quotes with an Annual Travel Insurance policy as the annual option may better value. At  UCompare.ie , we allow you to compare Single Trip Travel Insurance quotes and Annual Travel Insurance quotes side by side to ensure you get the cheapest Holiday Insurance option to meet your needs.

What does a Single Trip Travel Insurance Policy cover?

Whether you are off on a business trip or a little well deserved holiday, it’s very important to source some quality Single Trip holiday Insurance before you go. Many travellers get overwhelmed by the vast array of single trip policies on the market, so the kind folks here are  UCompare.ie  have decided to simplify things for you.

The majority of travellers have the same concerns when they travel away. Am I going to be covered if I have a Medical Emergency? What happens if the airline loses my luggage? What if a relative suddenly passes away before I am due to travel?

By taking five or ten minutes out of your day & visiting  UCompare.ie , we can put your mind at ease.

Most single trip policies will cover all of the situations that I have listed above. It’s important to read the exclusions applicable to each section and also check how much each situation is covered up to and what the excess will be.

If there are any unique aspects to your single trip, for example, you are going to be scuba diving or riding a motorcycle, it’s important to check that your chosen Single Trip Travel Insurance policy covers you while partaking in these activities.

Benefits of a Single Trip Policy

• You can travel away for a period of up to one year – this means that you can organise your cover well in advance of your trip.
• You have immediate cancellation cover, so even if you are not travelling for a few months your cancellation cover commences immediately.
• Baggage/Lost Luggage cover – peace of mind that your most valuable items are protected.
• Legal Expenses.
• Missed Flights – flight schedules can be unpredictable at the best of times, so ensure you are covered if you have connection flights or if you are travelling in the winter and expecting snow.
• Cover for Sports and Activities – for all you adrenaline seekers out there.

Exclusions on a single trip

There are a number of important factors to consider when looking to purchase a single trip policy. As with all single trip policies, there are a number of key exclusions to look out for:

• Mobile phones are a really good one to look out for. Many people assume that mobile phones will be covered on their policy both more often than not, they will be excluded.
• If you are planning to take part in any dangerous sports or activities, make sure that they are going to be covered under your policy.
• Falling ill on holidays is the single biggest concern of all holiday-makers. Make sure that you have disclosed any medical conditions you may have, or you may get a nasty surprise if your claim is declined.
• The cash limit on single trip policies can often be low. If you are planning on carrying all your holiday spending money in cash, make sure that you are going to be covered if you fall victim to the sticky figured monster.
• Some policies may only be limited to trips taken for leisure. If you are planning on using your policy on a single trip, be sure to contact your insurer to confirm this will be covered.

Travel Insurance

Ireland's award winning travel Insurance provider. We provide Annual, Single Trip and Backpacker travel insurance to suit different trips abroad, budgets and needs. Annual travel insurance provides European and/or Worldwide cover. Backpacker travel insurance covers trips to the USA, Canada, Australia, Europe and more. No matter what holiday or trip you have planned abroad, we will help you stay protected. Get a quick travel insurance quote below now.

• Discount applies if You and all Insured Persons on your travel insurance policy have Private Health Insurance, with a minimum of €55,000 inpatient medical cover abroad.

Important Conditions Relating To Health

Tel: 0818 286 525.

Please note certain medical conditions will incur an additional premium.

Medical Screening Line Opening Hours

• Monday: Friday 9am to 7pm
• Saturday: 9.30am to 4pm
• Sunday: 11am to 3pm
• Quoting Reference: Blue Irish Broker 2015-2016.

Private Health Insurance Members

If you hold a valid private health insurance with a minimum of €55,000 of inpatient medical cover abroad and have declared your private health insurance details to us, then you do not need to contact the medical screening line as detailed below.

Important note: If your private health insurance does not provide cover for the full duration of your trip abroad as stated on your validation certificate you will still be required to contact the Medical Screening Line to declare your medical conditions.

Non Private Health Insurance Members

At the time of taking out this policy, do you have or have you had any medical condition(s) for which you are taking or have taken prescribed medication or are waiting to receive, or have received treatment (including surgery, tests, or investigations) within the last 2 years?

If so, it is a condition of this policy that you will not be covered under Section A – Cancellation or Curtailment Charges, Section B – Emergency Medical and Other Expenses, Section C – Hospital Benefit, Section D – Personal Accident and Section X3 – Green Fees for any claims arising directly or indirectly from this medical condition(s) unless you contact the Medical Screening Line on and they have agreed in writing to cover your medical condition(s).

If you have only one medical condition and it is one of those shown in the table of ‘Medical Conditions which do not require screening’ below, then this will be covered under the policy without the need to contact us.

Exclusions that apply to all Insured Persons

These exclusions apply to all insured persons irrespective of whether they are a Private Health Insurance or Non Private Health Insurance holder.

The following exclusions apply to all insured persons at the time of taking out this policy or at the time of booking the trip.

You will not be covered under Section A – Cancellation or Curtailment Charges, Section B – Emergency Medical and Other Expenses, Section C – Hospital Benefit, Section D – Personal Accident and Section X3 – Green Fees for any claims arising directly or indirectly from:

• Any medical condition for which you are aware of but have not had a diagnosis.
• Any medical condition for which you have received a terminal prognosis.
• Any medical condition for which you are receiving or are on a waiting list for or have the knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home.

The following exclusions apply to all insured persons at all times:

• Any medical condition you have in respect of which a Medical Practitioner has advised you not to travel or would have done so had you sought his/her advice but despite this you still travel.
• Any surgery, treatment or investigations for which you intend to travel outside of Ireland to receive (including any expenses incurred due to the discovery of other medical conditions during and/or complications arising from these procedures).
• Any medical condition for which you are not taking the recommended treatment or prescribed medication as directed by a Medical Practitioner.
• Your travel against any health requirements stipulated by the carrier, their handling agents or any other public transport provider.

You should also refer to the general exclusions in the policy wording.

Exclusions that apply if a Close Relative or Travelling Companion has Medical Conditions

If any of the below exclusions apply to your close relative(s) or travel companion(s) at the time of taking out this policy or at the time of booking the trip, you will not be covered under Section A – Cancellation or Curtailment Charges, Section B – Emergency Medical and Other Expenses, Section C – Hospital Benefit, Section D – Personal Accident and Section X3 – Green Fees for any claims arising directly or indirectly from:

• Any medical condition for which a close relative or travelling companion have received a terminal prognosis.
• Any medical condition for which a close relative or travelling companion are receiving or on a waiting list for or have the knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home.
• Any medical condition for which a close relative or a travelling companion are aware of but for which they have not had a diagnosis.

Medical Conditions which do not require screening

Important Note: If you have more than one of the below medical conditions you must contact the Medical Screening Line or if you have any other medical condition in addition to any of the below, you must declare all conditions to medical screening..

• Achilles Tendon Injury
• Acid Reflux
• Anal Fissure/Fistula
• Allergy (requiring non prescriptive treatment only)
• Bells Palsy (in isolation only)
• Benign Prostatic Enlargement
• Broken/Fractured Bones(not head or spine)
• Carpal Tunnel Syndrome
• Colds or Influenza
• Colitis (no hospital admissions in last 12 months
• Corneal Graft
• Cuts & Abrasions (non self-inflicted)
• Cyst Breast (Benign)
• Cyst Testicular (Benign)
• Diarrhoea and/or vomiting (resolved)
• Dislocated Hip
• Epididymitis
• Essential Tremor
• Fungal Nail Infection
• Gall Bladder Removal (if more than 3 months ago)
• Gastric Reflux
• Glandular Fever
• Hemorrhoids (Piles)
• Hernia (not Hiatus)
• Hip Replacement
• HRT (Hormone Replacement Therapy)
• Hyperthyroidism
• (Overactive Thyroid)
• Hypothyroidism (Underactive Thyroid)
• Hypercholesterolaemia (high cholesterol)
• Hysterectomy (provided carried out more than 6 months ago)
• Irritable Bowel Syndrome
• Macular Degeneration
• Menorrhagia
• Migraine (confirmed diagnosis, no on-going investigations)
• Myalgia (Muscular Rheumatism)
• Myalgic Encephalomyelitis (ME) (if the only symptom is fatigue)
• Nasal Polyp(s)
• Neuralgia, Neuritis
• Nut Allergy
• Osteochondritis
• Osteoporosis, Osteopaenia (fragile bones) NO vertebral (backbone) fractures
• Pelvic Inflammatory Disease
• Reflex Oesophagitis
• Rhinitis (Allergic)
• Shingles (Herpes Zoster)
• Shoulder Injury
• Sleep Apnoea
• Tendon Injury
• Underactive Thyroid
• Varicose Veins legs only (if GP has confirmed that client is fit to travel)
• am resident in Ireland    (i)
• have not already departed on/commenced my trip
• have read and agree with the important conditions relating to health
• understand that this policy does not cover cancellation due to government lockdown or travel restrictions imposed by the Department of Foreign Affairs. There is no cover for any cancellation claim event relating to a Covid diagnosis occurring within 14 days of the date you purchased this insurance or the time of booking any Trip whichever is the later or if you and/or all insured persons are advised to self-isolate without a positive Covid diagnosis. Please refer to the Policy Wording for full information.

Private Health Insurance Discount

Cover-More Blue Insurance Services Limited offers significant discounts on our Annual Multi Trip and Single Trip policies for Insured Persons with VHI, Laya or Aviva Private Health Insurance policies. Your Private Health Insurance policy must include a minimum of €55,000 of inpatient medical cover abroad. If your Private Health Insurance policy includes this select ‘Yes’ in the ‘Private Health Insurance’ box on our website home page. Our Travel Insurance policy will provide the same benefits as on our standard policy, but it recognises that you already have cover on your Private Health Insurance policy for inpatient medical expenses abroad up to a specific limit (Min €55,000). Our Travel Insurance policy will top up the amount to the overseas medical expenses limit on your Private Health Insurance policy allowing you to save money on travel insurance premiums without sacrificing cover.

It is your responsibility to ensure that your Private Health Insurance policy covers you and all other travellers named on your Travel Insurance policy for a minimum of €55,000 of inpatient medical cover abroad.

Please note that not all Private Health Insurance Plans provide a minimum of €55,000 of inpatient medical cover abroad. Please check with your Private Health Insurance provider to ensure you have adequate cover to be eligible for this discount. If you cancel or fail to renew your Private Health Insurance policy, it is your responsibility to contact us as soon as is reasonably possible to update your Travel Insurance policy details and ensure you have sufficient cover. Any Private Health Insurance discount you received will be removed from the Travel Insurance policy and you may also be required to contact the Medical Screening Line to declare any medical conditions you or anyone named on your Travel Insurance policy has/has had.

Further information on Medical Screening can be found by clicking here.

Data Privacy Policy

This notice will inform you about our policies and procedures concerning the personal information about you that we collect, maintain and disclose, in connection with the insurance policies you obtain from us.

Information we may provide to others

We may disclose information about our applicants, customers and former customers, as permitted or required by law in conjunction with our normal insurance operations, such as:

• in the processing of an insurance claim.
• in connection with a legal proceeding.
• with government agencies conducting examinations of our procedures.
• internal database marketing.

Data Protection

We collect and maintain personal information about you in order to carry out our functions as a provider of insurance products. All personal information submitted is treated with the utmost confidentiality and with appropriate levels of security.

This information is used to manage the issuance of an insurance policy, including underwriting and claims handling, and may be stored as computer records and/or paper files to assist us to complete transactions, or follow up discrepancies, complaints or queries. Details may also be submitted to regulatory authorities and auditors. Unless otherwise instructed, we may use personal data for commercial purposes.

Personal Information Restrictions

Access to the information you submit is limited to those employees who have legitimate business needs for such information with respect to the insurance policies issued. We maintain physical, procedural and electronic safeguards to protect the privacy and confidentiality of your non-public personal information.

Internet Usage

Our websites do not contain any hidden codes or applications designed to obtain any kind of information about you from your computer, apart from what is required to establish a connection and transfer content between our website and your computer.

Our host servers do obtain information about the number of connections to it. This data may contain details such as your IP address, the kind of operating system you are using and the version of your internet browser. This information is used only for the purposes of analysing the traffic to the website. It does not contain any kind of data about you which may be classified as personal or private.

Our website uses ‘cookies’ to track visitor navigation. Cookies are small text files stored on your computer, which identify it to our website. Cookies do not contain viruses, and the cookies stored on your computer by the website do not contain any kind of personal, private or sensitive information. They are used simply to track navigation and remember data and preferences submitted by you. Cookies can be disabled on your browser, though this may hamper your ability to effectively obtain a quote and purchase a policy from our website.

Sensitive Data

Any sensitive data supplied by you in order to purchase an insurance policy, such as dates of birth or health details, will only be used for the purpose specified at the time of submitting this data.

We reserve the right to provide this information, when we are legally obliged, to official bodies such as the Police, the Courts, or other organisations investigating insurance fraud.

Call Monitoring

We may monitor and record telephone calls in order to improve our service to you and to prevent and detect fraud.

Marketing Preferences

We will use the details you have given us to provide you with information about the products and services of the Cover-More Blue Insurance Services Limited and our affiliates/partners which may interest you. Your data will not be shared with our affiliates/partners. We will not do so if you have already told us you do not want this information, see the ‘opt-out’ phone number email address below. We may also use your information for these purposes in the event that you do not take up a policy with us at this time and also after your policy has ended, unless you ask us not to.

We may contact you with a reminder that your insurance is due to be renewed. This contact may be made by a number of communication methods in addition to traditional correspondence, see below:

How we might contact you for marketing purposes?

From time to time we may contact you using the information you have provided in relation to our products and services in any of the following ways:

• Through digital and/ or other remote applications
• By text message

Why might we contact you?

We might contact you:

• about an enquiry you have made;
• with products or services offers from the Cover-More Blue Insurance Services Limited;
• in relation to your policy or quote;
• to ask for your feedback/views on the products and services we provide;
• to tell you about any important changes to our website; or
• where there is another genuine reason for doing so

How to Opt out

You can change your mind about receiving marketing information from us at any time. Each time we contact you electronically with marketing information or a marketing message, you can choose not to receive further marketing information from us to that email address or phone number. This is known as an ’opt-out’. If you want to ’opt-out’, please phone us on 0818 484 484 or email us at [email protected] . Please make sure you tell us about any changes to your marketing preferences for each affected address, email address or phone number you have registered with us.

Marketing Preference

We may contact you with a reminder that your insurance is due to be renewed. This contact may be made by a number of communication methods in addition to traditional correspondence, see below. We will also use the details you have given us to provide information about our products and services and those of other companies in the Cover-More Blue Insurance Services Limited and other companies whose products and services may interest you. However, we will not do so if you have already told us you do not want this information. We may also use your information for these purposes after your policy has ended, unless you ask us not to.

How we might contact you?

• about an enquiry you have made
• with relevant products or services offers
• in relation to your policy or quote
• to ask for your feedback/views on the products and services we provide

You can change your mind about receiving marketing information from us at any time. Each time we contact you electronically with marketing information or a marketing message, you can choose not to receive further marketing information from us to that email address or phone number. This is known as an ‘opt-out’. If you want to ‘opt-out’, please phone us on 0818 484 484 or email [email protected] . Please make sure you tell us about any changes to your marketing preferences for each affected address, email address or phone number you have registered with us.

By going ahead with a Cover-More Blue Insurance Services Limited quote or policy or by giving us personal information including sensitive personal information (as more particularly described in our Security and Privacy Statement) you will be explicitly agreeing to us, our agents, other insurers and the other persons described in this notice (and/or in the Security and Privacy Statement) processing it for all relevant purposes including but not limited to those described in this notice. Before you provide us with any information about others, you should make sure they are aware of how we will use their information and have agreed to this. It is your responsibility to ensure that you have obtained the permission of any such persons and have shown this notice to them to allow us to process their personal data for the purposes outlined in this notice. For our policy about taking instructions from persons other than the Policyholder, details about data transfers outside the European Economic Area, how to obtain copies of personal information and who to contact in the event of questions, please see the Security and Privacy Statement (which contains a full overview about Cover-More Blue Insurance Services Limited’s use of your personal information) which we expect you to read. You can view this by visiting our Privacy Policy or by contacting our Customer Services Manager at [email protected] for a hard copy.

You can obtain confirmation on what information is held about you and your previous claims on Insurance Link by visiting www.inslink.ie .

Before you travel, get a Risk assesment of your destination . Check Trip .

Travel Insurance with Covid-19 Medical & Cancellation Cover . Learn More .

Why Blue Insurance?

Online Annual European Premier Plus cover for person under 66 years holding private health insurance with medical cover abroad.

• Cancellation or Curtailment
• Emergency Medical Expenses
• Personal Accident
• Personal Money & Documents
• Personal Liability
• Missed Departure
• Holiday Abandonment

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Home > Single trip travel insurance

Single trip travel insurance

A single trip travel insurance policy is the perfect choice for a one-off holiday.

Whether it’s a relaxing beach-side holiday or an action-packed adventure , single trip insurance is flexible and cost-effective.

Holiday cancellation

Up to €7,500 cover for holiday cancellation (Platinum product)

Cover for trips of 3 days to up to 12 months

Sports and activities

Over 50 sports and activities covered free

24/7 emergency medical assistance helpline

Going away more than once?

If you are travelling more than once this year, take a look at our annual multi-trip travel insurance.

Medical coverage

You will have access to medical coverage up to €10 million if you choose the Platinum option.

Cancellation

All of our travel insurance policies include cover for cancellation of your trip.

Emergency assistance

If you have an emergency, you can call our medical emergency line, 24 hours a day, 7 days a week.

Transparency

We are fully transparent to our clients. There are no hidden transaction fees in your coverage.

I’ve lost my documents. How do I retrieve them?

If you have lost your policy documents, you can retrieve them online. Enter your quote number and e-mail address to access your documents. If you would like your documents resent through the post or you have forgotten your quote number or if you have any other problems accessing your documents online, please call our customer service team on 091 545 904 or email [email protected] .

What do I do if my passport is lost or stolen abroad?

You should report any loss or thefts of passports to the local police in the country you are in as soon as possible. You will need the crime reference details they provide for the APS1 (which is the Lost or Stolen Passport Notification) form. You should also report the loss or theft to the Irish embassy of the country you are in. You can get details of your local Irish embassy wherever you are by visiting the website of the Department of Foreign Affairs. The Irish embassy will issue you with replacement travel documents so you can travel back.

When will my documents arrive through the post?

Normally, we say to allow between 5 to 10 working days between you buying your policy and your documents being received in the post. However, we do always aim for your policy pack to be with you sooner. You can still travel with a printed copy of your emailed documents if the posted documents don't arrive in time.

What do I need to take on holiday with me?

We advise that you take your travel insurance certificate and the relevant policy wording booklet away with you.

You may travel with a printed copy of your emailed documents. If you are unable to print your emailed documents, simply write down your policy number and the emergency medical assistance and claims line telephone numbers from the back of our policy wording booklets which can be found here.

Read more FAQs

You also may be interested in …

Multi-trip travel insurance

Our annual travel insurance is the ideal option if you’re going to be travelling more than once this year.

Winter sports cover

If you’re going on a winter sports trip, making sure you’re covered with a comprehensive ski insurance policy is important.

Long stay travel insurance

At InsureandGo we provide cheap long stay travel insurance, which is the ideal option if you’re going away for anything up to 12 months.

Contact information

Emergency contact overseas.

In the event of an emergency overseas, call +353 91 545908

Non-emergency claims

For non-emergency claims, please call +353 91 545907

Other enquiries

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Just Cover.ie Single Trip Travel Insurance

Choose between singe trip or annual multi trip policy, optional extra cover on single trip travel insurance, what countries are covered by single trip insurance policies, cancellation coverage, personal money coverage & loss of baggage, medical treatment abroad, what is single trip travel insurance, why choose justcover.ie.

Travel Insurance is essential for peace of mind . Get your Holiday Travel Insurance Right Here, Right Now. Here at JustCover.ie Travel Insurance we don't waste your time, we JustCover.

If you have VHI, Laya-Healthcare or Irish Life Private Health Insurance why not avail of our REDUCED RATE SINGLE TRIP and MULTI TRIP TRAVEL INSURANCE POLICIES and make great savings. Travel Insurance is a necessity not a luxury. Remember if you wish to travel worry free, do not travel without your Travel Insurance,

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Types of travel insurance

At Aviva, we understand that how we travel has changed, but you can still enjoy peace of mind with our travel or holiday insurance - now including Covid-19 medical expenses and cancellation cover. Find out more information about our single trip, annual multi-trip and backpacker insurance policies.

Single trip insurance

A Single-Trip policy covers you for one holiday of up to 31 days. To get a Single-Trip quote, simply choose the number of days you are away, or click on the calendar and select the dates you leave and return. Remember that if your holiday is 7 nights, you need 8 days cover, and if you are away for 14 nights, you need 15 days cover.

Multi-trip insurance

An Annual Multi-Trip policy could save you money if you are going on holiday more than once this year. It offers cover for up to 90 days travel in the year, but no holiday can be longer than 31 days. With an Annual Multi-Trip policy, you can also be covered for holidays in Ireland provided that you spend at least two nights in accommodation you booked before your departure.

Backpacker cover

A trip abroad, devoted to leisure, rest and relaxation or work, where travel begins and ends in Ireland.

Cover options

We have created the following options so you can choose the cover you want when you travel. Customise your own travel insurance cover based on your individual needs.

Holiday Plus Travel Insurance

You can pay a lower premium by choosing our Aviva Holiday Plus Travel Insurance cover option, but ONLY if you have Private Medical Insurance covering Emergency Medical Expenses abroad.

Optional Winter Sports Cover

If you will be undertaking any Winter sport activity, you must choose cover for Winter Sports.

Car Hire Excess

Add Car Hire Excess Cover to your single/annual European policy from as little as €2.39/€39.99 per day/ per year.

Do you already have travel insurance with us?

Need to make a claim.

• Emergency assistance

Redeem your free travel insurance

If you already have a car and home policy directly with Aviva Direct you can now claim your free multi-trip European travel insurance valid for one year.

Redeem offer

Get a travel insurance quote

Get your travel insurance sorted in minutes. Buy online and we'll give you a 20% discount on single trip and multi-trip insurance policies.¹

Benefits of travel insurance

It is important that you understand that Aviva Travel Insurance PMI Plus is different from our other travel insurance products. You may only buy Aviva Travel Insurance PMI Plus if you have Private Medical Insurance covering Emergency Medical. Aviva Travel Insurance PMI Plus is suitable for individuals, couples and families. 

Click on the options below to show the benefits of each different cover.

Aviva Holiday Travel Insurance

Important notes about your insurance:

• Now including Covid-19 medical and cancellation cover.
• Cover is only available to Irish residents. 
• Premiums include a 5% Government levy and €1 stamp duty. 
• For each person insured an excess of €90 per section is deducted from each claim under sections marked with an asterisk*. 

The following table is a summary of cover. Full details are provided in the policy documents: 

Holiday Plus

Aviva Holiday Plus Travel Insurance

Standard Backpacker

Aviva Backpacker Travel Insurance

Emergency Assistance

In the event of a medical emergency abroad you must contact Chubb assistance on:

+353 (0)1 440 1790

Chubb Assistance can help you with medical advice, payment of medical bills abroad and arrange for you to be brought home if this is medically necessary.

Making a Claim

There are several reasons you may need to claim under your policy. You can read about the most common ones here.

How to make a claim

Covid-19 - What we cover

It's important that you know what Aviva Travel Insurance will and won't cover for Covid-19 so that you can decide whether this policy meets your needs.

We'll cover cancellation costs if you or someone you're travelling with:

• Contracts Covid-19 before your trip.
• Is required to quarantine on orders of a treating doctor/HSE, and the period of quarantine goes past your original departure date.

Important Note: Covid-19 "positive" test must be certified in writing as specifically relating to You or Your Travelling Companion(s) by a test that is recognised by the Republic of Ireland Government, including such a test that is carried out by a licensed pharmacy, a licensed laboratory or the treating Doctor.

What Covid-19 cover do you have when you’re on holiday:

• We will cover overseas medical and repatriation (the cost to get you home) expenses provided you are not travelling to areas where the Department of Foreign Affairs (DFA) allocates a security status of "Avoid non-essential travel" or "Do not travel".
• We'll also cover any additional accommodation (room only) and travelling home costs you may have if you are required, on the orders of a Doctor, to quarantine on holiday, if the period of quarantine goes past your original return date.

At Aviva, we recommend that you follow the advice of the Department of Foreign Affairs. 

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• If you or your travelling companion(s) receive a Positive COVID diagnosis in the 14 days leading up to any trip you can claim for your lost travel expenses.
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• If you need to extend your trip due to receiving a positive COVID diagnosis your policy will cover reasonable Additional Travel & Accommodation Expenses abroad.
• If you, or your travelling companions insured on the policy, are diagnosed with COVID abroad your policy will cover the Medical Expenses associated with treatment.

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Single Trip Travel Insurance

Protect your trip from as little as €4.42!*

What is AA Single Trip Travel Insurance?*

Single trip travel insurance is the essential companion for your one-time travels, offering tailored protection for everything from brief getaways to extensive global excursions. This policy ensures that each leg of your journey is covered, mitigating risks like last-minute cancellations, medical emergencies, or lost luggage. Get ready to embark with confidence, and remember to secure your single trip travel insurance with us today – your peace of mind is just a click away. Get Covered Now!

Top Features And Benefits of AA Single Trip Travel Insurance 🏝

Single Trip

• Just so you know this travel insurance only covers you for a single trip. It’ll protect you for up to 60 days straight while you’re away.
• If you’re planning on taking more than one trip within a year, you might want to look into an  annual multi-trip travel insurance instead .
• That’ll give you coverage for all the trips you take during the year.  Learn More

Baggage Cover

• If your luggage gets delayed by more than 12 hours when you’re traveling, you’re covered up to €300. That’s about 50 euros per day for luggage reimbursement.

Cancellation Cover

• Receive coverage for unavoidable cancellations with protection up to €6,000 for non-refundable expenses such as travel fares and hotel bookings.

Add Annual Multi Trip

• Just wanted to let you know about upgrading your travel insurance to an annual  multi-trip travel insurance cover .
• It covers you whether you’re getting ready for your trip, during your trip, or even after you’ve returned home.
• That way you’ve got protection the whole year round no matter how many trips you take.

Add Backpacker Cover

• Cover for the year if you will be outside Ireland for more than 30 consecutive days.

Add Winter Sports Cover

• Our coverage extends to a variety of exhilarating winter activities, including skiing and snowboarding, ensuring you can relish in the snowy thrills of the season with complete peace of mind.  Read More.

Add AA Car Hire Excess

• Opt for AA Car Hire Excess Cover and steer clear of steep excess fees while renting vehicles overseas.

COVID-19 cover

• Get coverage for cancellations, shortened trips, medical costs, and extra lodging expenses if COVID-19 affects your travel plans and you’re unable to return home on schedule.  Click to read more about this protection.

Hitting the slopes? We’ve got you covered 👌

Before you carve your way through the fresh powder this season, ensure you’re equipped with AA Winter Sports Cover alongside your Essential or Extra Travel Insurance policy. Safeguard your winter wonderland escapades today!

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Round-the-Clock GP Access with AA Single-Trip Travel Insurance  👌

All AA Travel Insurance policies now give you access to an English speaking GP 24/7 whilst you are abroad. If you need a doctor , they are just a call away or click away…

With AA Travel Insurance, we have something for everyone.

Secure affordable multi-trip holiday insurance starting at just €14.99*. Enjoy extensive coverage for medical emergencies, baggage, single journeys, cancellations, and more. Ensure your travels are protected year-round!

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The Best Time to Buy Travel Insurance: Don't Wait Until It's Too Late

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All the help you need to buy the right travel cover for your holiday, get a European Health Insurance Card, and what to do if things go wrong.

Why get travel insurance?

Travel insurance can protect you financially if something goes wrong when you’re travelling abroad or on holiday.

This could include paying for medical care if you fall ill, refunding your booking if you have to cancel or compensating you for lost or stolen personal belongings.

Find out how to secure the right travel insurance in our guide. Here’s what’s included:

What travel insurance covers

Types of travel insurance.

• Buying travel insurance in Ireland
• What the European Health Insurance Card covers
• Making a claim on your travel insurance

Holiday consumer rights

What’s covered by travel insurance.

It depends on the insurance provider and level of cover you choose, but most decent policies cover:

• Emergency medical assistance: which pays for the cost of medical treatment if you fall ill overseas. This also covers repatriation costs to get you home to Ireland if you’re not well enough to travel on a standard flight.
• Personal accidents & injury: which pays you a lump sum if you have a serious accident on your holiday resulting in life-changing injuries, for example, losing a limb or your sight.
• Cancellation & curtailment: which refunds the cost of your trip if you need to cancel or cut short your trip due to unforeseen circumstances, for example, if you or a family member are seriously ill or you’re made redundant after you book.
• Luggage & personal possessions: which pays out the cost of replacing lost or stolen luggage and for essential items to tide you over if your baggage is delayed at the airport.
• Lost or stolen money & documents: covers your foreign currency, including cash like U.S. dollars or British pounds. This also covers your travel documents and passport if they’re lost or stolen on your trip.
• Personal liability cover: which protects you financially if you cause an accident or injure someone else while abroad.

You can also add extra cover to include things like:

• Winter sports, e.g. skiing and snowboarding
• Extreme sports, e.g. scuba diving or paragliding
• Golf equipment & bookings, including your clubs and green fees if you’re injured or too ill to play

Make sure you take your European Health Insurance Card (EHIC) if you’re travelling in Europe, even if you have travel insurance.

To get the right value from your insurance, it pays to get the right type of insurance tailored to your circumstances and the type of travel.

Here’s the types of insurance you can get in Ireland:

• Single trip insurance: This covers one trip only, usually for between 30 and 60 days and is the cheapest.
• Multi-trip insurance: Also called annual cover, it covers multiple trips in one year. It may cover worldwide or just Europe & UK trips.
• Backpackers insurance: Cover designed for travellers going on a long trip or holiday abroad. Many standard travel policies only offer cover for up to 30 days per trip, but with a backpacker policy, you can get cover for up to two years plus cover for visiting multiple counties.
• Winter travel insurance: Cover that includes extra protection for activities like skiing, snowboarding and tobogganing. Some standard travel insurance policies exclude these activities because they’re high risk and the cost of medical care on the slopes can be very expensive.
• Elderly travel insurance: Cover for older people can be harder to find or more expensive because over 65’s pose a greater risk for medical care. It may also have more restrictions, so take more time to read the T&Cs and compare quotes.
• Family travel insurance: Cover for your children will work out cheaper if you buy a family policy and if you choose annual family cover you’ll have the flexibility to travel as an individual or a couple too. Perfect for a snatched weekend away!

You can read our guides How to find the right travel insurance guide or How to get travel insurance as you get older to find out more about other types of insurance.

Single trip or annual multi-trip travel insurance?

If you have more than two trips planned per year, it’s usually cheaper to get an annual policy, but your age and medical history may affect what’s available.

With annual cover, you’ll be covered for any short trips in Ireland, but if you plan to travel outside of Europe and the UK or are unsure of your travel plans, choose an annual policy that covers worldwide destinations.

For a look at the pros and cons of single versus multi-trip insurance, visit How to choose the right travel insurance .

How to choose the right type of cover

You’ll save money by choosing the right type of travel insurance for your circumstances, so ask yourself these questions before buying:

• How many trips are you taking? Consider taking out annual cover if you plan to travel more than three times per year.
• What will you be doing? Consider specialist cover if you plan to go skiing or do another high-risk activity.
• Who is the cover for? Check for discounted cover if travelling as a couple, family or group. If you’re over 70 your choice may be more limited.

For more advice on finding the right insurance for your needs, visit our how to find the best travel insurance guide.

Does travel insurance cover COVID-19?

Losses due to epidemics, border closures, warnings, travel advisories or quarantine rules are generally not covered; however, some insurers offer COVID-19 related benefits.

They may provide cancellation, curtailment, medical expenses and accommodation cover if you get COVID-19 while abroad and are unable to return home as planned.

If this is an important concern, shop around, read the terms and conditions carefully and get several quotes before choosing a travel policy.

Buying travel insurance

How much does travel insurance cost.

Standard single trip insurance could cost you less than €25 if you are young with no underlying medical conditions, but may not provide the cover you need if it’s very cheap.

Annual or multi-trip travel insurance could cost around €50 or more for European cover and €65 or more for Worldwide cover. The older you are, the higher the premium regardless of your health.

If you have private medical insurance which covers you while you’re abroad, your travel insurance will be cheaper still.

What affects the price of cover?

• your destination
• your medical history
• whether you have private health insurance

To find the cheapest travel insurance quote, shop around so you can compare prices and benefits.

What if I have private medical insurance?

Even if your existing medical insurance covers you abroad, a comprehensive travel insurance policy can offer financial protection in other areas, for example, if you need to cancel your trip or your travel money is stolen.

The good news is that many travel insurers in Ireland offer a discount on your quote if your medical insurance covers you abroad, which could make your travel insurance even cheaper.

If you hold private medical insurance, you could get up to 25% off the travel cover price.

What’s the age limit on annual multi-trip cover?

For many annual policies, the maximum age limit is 75 years, but often people over 70 years must hold private health insurance.

Should you buy the cheapest travel insurance?

Although it’s tempting to pick the cheapest policy, it’s not always a good idea with travel insurance. The cheapest policies will offer less cover and have more exclusions.

It’s best not to scrimp on cover for medical expenses and personal liability because you could end up liable for eye-watering expenses if you get ill or are involved in an accident on holiday.

Also, pick a policy that fully covers the cost of the holiday and your belongings and find a policy that includes enough financial protection for you and your family.

Who offers travel insurance in Ireland?

Most of the large insurers in Ireland offer travel insurance, as do private health companies. An online search will also provide a selection of smaller, travel insurance specialists.

Although there are many insurance providers to choose from, many policies are underwritten by the same companies.

What you need to buy travel insurance

Before you buy your travel insurance, you’ll need to know:

• Your destination: usually shown as UK and the Channel Islands, Europe or Worldwide (including or excluding USA and Canada).
• The dates of your trip: this is the date you leave Ireland and the date you arrive back in Ireland.
• Who needs to be covered: usually shown as individual, couple or family but check the help information for exclusions.
• The age of each traveller if you’re buying a group policy, have that information to hand.

You may also be asked to confirm:

• If you hold private medical insurance that covers trips abroad
• If you need cover for winter sports

When should you buy travel insurance?

It’s best to buy your single-trip travel insurance as soon as you book your trip so you’re covered if the flights, accommodation or package holiday is cancelled.

This will also cover you if something happens before your trip starts, which means you have to cancel your holiday, e.g. you or a relative becomes seriously ill.

For an annual or multi-trip policy, you need to know roughly when you’ll be travelling as you have to choose a start date for your policy and it runs a year from that date. If you book a holiday that starts before your policy does, you won’t be covered.

The European Health Insurance Card

What is european health insurance (ehic).

It’s free healthcare available to Irish residents and EU citizens living in Ireland. The European Health Insurance Card, known as the EHIC or formerly E111, shows that you’re eligible for free healthcare when you travel in Europe.

If you’re travelling to the EU or European Economic Area (EEA) you should take it with you in case you become unwell or have an accident and need medical attention.

Each member of your family needs an EHIC when they travel within the EU. You can apply for them in person, by post, or online if you have a medical or drug payment scheme card.

What does it cover?

Here’s a summary of what the EHIC does and doesn’t cover you for:

• Free or reduced cost state healthcare in any of the EU and EEA countries
• Pre-existing medical conditions
• Routine maternity care - as long as you’re not going there to give birth
• A temporary stay up to three months*

Not covered

• Private healthcare or costs for something like mountain rescue
• Ongoing or permanent healthcare
• Medical expenses, if your reason for going abroad is to have treatment
• The cost to fly you back to Ireland

*If you’re a student studying abroad, you’ll be covered for up to an academic year.

How to use the card

If you need medical care while you’re away, you must show your EHIC to the public medical centre or hospital as evidence of eligibility.

You can expect to get the same treatment and care as local residents and on the same terms.

If public healthcare is free in the country you’re visiting, you won’t pay anything, but if there’s a charge for medical services, you’ll be charged too.

Here’s more information about how to use your EHIC in each country and any costs involved.

Do you still need travel insurance?

Yes, it’s essential you get travel insurance and an EHIC, or you won’t be covered for things like cancellation and lost or stolen luggage.

Your EHIC just covers medical costs in the EU, but travel insurance can include many extras to suit your trip, such as winter sports cover. You can find out more about how to choose the best travel insurance in our helpful guide.

How to renew or apply for the EHIC

You can either apply or renew:

• In person: at any local health office except Dublin North West. Check what ID to take.
• By post: Print out an application form and post it to your local health office along with any documents required.
• Online: using the official HSE website

The EHIC is completely free. Never use a website that tries to charge you a fee.

Claiming on your travel insurance

You’ll need to contact your insurance company as soon as possible in the event of a problem.

Remember to take your travel insurance documents and their emergency contact details with you when you travel. Take a paper and electronic copy of the policy so you have more than one way of accessing the information.

If you’re taking expensive items abroad, jot down serial numbers or take photos of your electronics or jewellery before you travel.

Here’s the emergency claim numbers of popular travel insurers in Ireland:

Claiming for illness, accidents and medical emergencies

If you need medical treatment while you’re away, you’ll need to contact your insurer as soon as possible. Your insurer has to agree to any medical procedures, so do this before treatment takes place.

This may not be possible in an emergency, so get evidence of any treatments or medication you’ve paid for.

Depending on the country you’re in, you may have to pay up-front for treatment and claim it back when you get home, so always secure medication receipts or an invoice for medical treatment.

It’s vital you tell your insurer about any existing health problems or conditions when you take out insurance, or you may not be covered.

Claiming for lost, stolen or damaged belongings

If your belongings are lost or stolen, inform the local police within 24 hours of your items going missing and get a statement. If this isn’t possible, tell someone else such as your hotel manager, tour operator or airline and get a written report.

If you have to replace essential items, such as toiletries or clothing, keep receipts for everything you need to purchase and provide them as evidence to support your claim.

Your insurer will want to see that you’ve taken reasonable steps to look after your luggage or belongings whilst travelling, so be prepared for questions and support your claim with evidence wherever possible.

Claiming if you have to cancel your trip

Your claim for cancellation or trip curtailment will only be accepted under certain conditions. It’s wise to check the small print for acceptable reasons, but typically they will be:

• unexpected death, illness or injury involving you, your partner or fellow travellers
• unexpected damage to your home, such as fire, flood or burglary
• you’ve been advised not to travel due to pregnancy (after you bought insurance)
• you’ve been called for jury service or as a court witness

Check your policy schedule for the rules of reimbursement should you have to cut short your trip.

You now have the same rights whether you book your holiday at a high street retailer or online. Here are your consumer rights if you book a package holiday or linked travel arrangement.

When can you cancel?

You can cancel at any time up to the start of your holiday for a reasonable cancellation fee. The less notice you give, the more money you’ll lose.

You may be entitled to a full refund without paying any fee in the following situations:

• In extraordinary circumstances: e.g. war, terrorism, floods and earthquakes that will significantly affect the holiday or stop you from reaching your destination safely.
• If the price increases by more than 8%: you have the right to cancel without paying a charge. Contractually no price changes are allowed within 20 days of the departure date.
• If significant changes to the holiday are made: e.g. departure and arrival times that will affect your accommodation and transport arrangements.

When can the travel company cancel?

They may have to cancel due to extraordinary circumstances beyond their control or where they can’t get the minimum number of participants needed for a trip to run. In these situations, you have the option of:

• A replacement holiday of equal or superior quality
• A lower quality holiday, plus a refund for the difference between the two trips
• A full refund

Can your holiday price go up after you’ve booked?

Yes, the cost can go up but not within 20 days of your departure date. The cost of your trip may be affected by increases to:

• Transport costs e.g. fuel prices
• Taxes, fees and duties charged at airports or ports
• Currency exchange rates

What are my package holiday rights?

If you book a package holiday, you should be:

• Given all the essential information from the retailer or trader before the booking is completed.
• Able to contact the organiser directly and through the retailer you bought the package from (if different).
• Entitled to a full refund and repatriation if the trader becomes insolvent.
• Able to transfer the holiday to another traveller, giving reasonable notice and you may have to pay costs.
• Offered suitable alternative arrangements at no extra cost if a significant proportion of the travel services can’t be provided.
• Given assistance if you’re in difficulty e.g. access to healthcare or alternative travel arrangements.

How to complain about your holiday

You must raise any issues with the travel organiser without delay, where you feel a service isn’t satisfactory. If you delay, it could affect the compensation you get.

They should be allowed to put things right, but if this doesn’t happen, you should gather evidence to support your complaint e.g. take photos or video footage.

If the matter is still unresolved when you’re back home, you should put your complaint in writing within 28 days of the holiday end date. Details of where to send your complaint should be shown in the contract’s terms and conditions.

If you’re unhappy with their response or they fail to respond within a reasonable timeframe, you can contact:

• The Competition and Consumer Protection Commission (CPPC): who can investigate Irish traders and ensure they comply with the Consumer Protection Act.
• ECC Ireland: who can settle complaints between consumers and traders in another EU country, not Ireland.

Travel companies may use arbitration to resolve complaints. This is where an independent party investigates and reviews the evidence to decide how much compensation to award.

You also have the option of pursuing a claim up to €2,000 through the Small Claims Court.

Specific travel insurance questions

What is the maximum length trip i can get cover for.

It depends on the insurer. Most insurance providers cover trips lasting up to 30 days, but you could find cover up to 60 days if you shop around.

If you buy an annual travel insurance policy, you’re covered for multiple trips but only up to the maximum duration per trip and total duration for the year.

If you need continuous cover for longer, backpacker insurance usually lasts up to a year but can last up to two years.

Do you need special travel cover if you're pregnant?

Most travel insurance policies will cover you to travel in the early stages of pregnancy, but you should always check how far into the pregnancy the cover will last. For example, you may be covered to travel up to 32 weeks into your pregnancy but not beyond this date. If you fall pregnant after taking out a travel insurance policy and will be at a late stage in your pregnancy when you’re due to travel, you may be able to claim for cancellation.

What is a linked travel arrangement?

This is where you buy two or more travel services from different companies that are linked. For example, you book a flight on one website and click on a targeted link to another website where you book accommodation for your trip.

The second booking must be made no later than 24 hours after the first, to count as a linked travel arrangement.

You have fewer rights with a linked travel arrangement than with a package contract and you’re only covered against insolvency with the first booking.

What does repatriation mean?

It’s the return of someone to their own country. For example, if you fall seriously ill during your holiday you’d have to travel back to Ireland early and may need treatment on the flight home.

Emergency repatriation can be very expensive because you may need to travel back to Ireland in a specialist air ambulance, or you might have to be brought home from a remote location.

Repatriation is usually included in the medical cover benefit of a travel insurance policy, but check the policy document to make sure.

Multitrip Travel Insurance

• Annual Travel Insurance
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• Single Trip Travel Insurance
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• Covid-19 Benefits
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• Manage Your Policy / Renew
• Make a Claim
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• Travel Insurance for over 70s

Voted Best Travel Insurance Provider

Winner of multiple 'best travel insurance provider' awards in ireland, affordable travel insurance.

Multitrip.com offers comprehensive travel insurance, whether you're traveling for business, pleasure, or adventure. We understand that unexpected events can occur, causing disruptions and inconvenience. That's why we are here to provide you with peace of mind by protecting your travel plans at affordable prices.

Expert Service

We believe that everyone deserves to travel with confidence, knowing that they are backed by a reliable and trustworthy insurance provider. Our team of experienced professionals are committed to delivering a high level of service and support, providing you with the assistance you need when you need it the most.

Covid Cover

We are committed to ensuring that you are protected against any unforeseen circumstances during your travels, including those related to COVID-19 medical and cancellation. With our enhanced coverage, you can rest assured that you are in safe hands. Learn More .

What is Travel Insurance?

Travel Insurance covers you for unexpected travel, medical and financial issues that may result in loss of money or additional costs, such as delayed departure, emergency medical expenses and baggage loss. There are three travel insurance options - Single Trip , Multitrip & Backpacker Travel Insurance - and a range of Optional Covers available. At Multitrip.com, individual cover is provided up to 79 years, special deals for family and couples cover and max trip durations of up to 365 days (Age Limit and max trip durations vary depending on the cover type). Compare different quotes with Multitrip.com to find the best travel insurance option for you.

What Type of Travel Insurance should I Buy?

Single trip insurance,  from € 3.62.

If you know for sure you will only be taking one trip in the next year or two, then Single Trip Travel Insurance may meet all your needs.

 from € 19.95

If you're going abroad on multiple trips in the next year or so, then Multitrip Cover can offer the protection you are looking for.

Backpacker Insurance

 from € 119.99.

Going on an extended trip around Europe or settling in to a new country? Backpacker Travel Insurance can provide cover for up to 365 days.

What does Travel Insurance Cover?

At Multitrip.com, Travel Insurance covers the common travel issues, such as delayed baggage, cancellation and delayed departure, as well as including cover for over 60 sports and activities under Grade 1 as standard. Please refer to policy wording for full details of cover.

Cancellation covers irrecoverable, unused travel and accommodation costs and other pre-paid charges which you are contracted to pay while curtailment covers your reasonable additional travel expenses incurred to return to your home country as a result of an unforeseen illness, injury or bereavement.

This covers emergency medical and other expenses including dental (for pain relief only) if an insured person suffers a sudden and unforeseen bodily injury or illness or dies during a trip outside Ireland.

This provides 24 hour emergency assistance in the event of a medical emergency abroad, repatriation or curtailment of your holiday.

This provides protection against the accidental loss of, theft of or damage to baggage/personal belongings.

This provides cover should you become legally liable to pay compensation for any claim or series of claims arising from accidental bodily injury to a third party or loss or damage to property that does not belong to you.

This provides cover if the scheduled public transport on which you are booked to travel is delayed at the final departure point from or to Ireland for at least 12 hours.

Travel Insurance Reviews from Multitrip.com Customers

So helpful on the phone and easy to get travel insurance at a great price would highly recommend. John - 5 Star Review - 31 st January 2023

Travel Insurance Optional Cover

You can tailor your travel insurance by adding one or more optional cover to suit your specific needs. Depending on the cover type selected optional covers available may be: Winter Sports , Travel Disruption Cover , Flight Cancellation, Wedding, Business, Golf Equipment, Exam Failure, Cruise Connection and Excess Waiver.

What Countries does Travel Insurance Cover?

When getting travel insurance from Multitrip.com Ireland, you may choose the most appropriate area of cover for your destination. Please note that areas of cover available vary depending on the travel insurance type.

Why choose Multitrip.com?

No matter what holiday or trip you have planned abroad, we will help you stay protected. Whether it’s a single trip to Europe, a backpacker trip to Asia, or multiple trips around the world each year, you can rest assured that we have a Travel Insurance policy to suit your needs.

Super Competitive Prices

In addition to affordable Travel Insurance , Multitrip.com provides up to three levels of cover and a full range of discounts and benefits.

Easy Claims Process

The claims process is made as fast, simple and straight forward as possible. Liaise with an experienced team, committed to providing the highest standards of service.

Award Winning Travel Insurance Provider

Multitrip.com is part of Cover-More Blue Insurance Services Limited, winner of many Best Travel Insurance Provider awards and Deloitte Best Managed Companies Award 2013 to 2018.

Expert Friendly Customer Service

Our Customer Service team is always ready to help and can be reached via phone, email and social media. FAQs also available.

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Cover more than yourself with

A getsetgo travel insurance policy.

An individual/one person aged 18 years or over.

An individual and his/her partner provided they live together, including civil partners.

An individual and his or her partner provided they live together and up to four of their dependent children (which can include fostered or adopted children) who are under 18 years of age at the date of buying this policy and are either in full time education or living with them.

Single Parent Family

An individual and up to four of his or her dependent children (which can include fostered or adopted children) who are under 18 years of age at the date of buying this policy and are either in full time education or living with them.

Where we provide cover for?

What does getsetgo travel insurance cover.

Depending on the type of cover selected eg. Single Trip, the geographical areas may differ, however, the main options are as follows:

The continent of Europe west of the Rural Mountains including its neighbouring Islands and non-EU countries bordering the Mediterranean (excluding Algeria, Lebanon, Libya, Israel and Jordan).

Worldwide (excluding USA)

Australia and New Zealand

Worldwide (including USA)

Please note: No cover is provided for any trips in, to or through Afghanistan, Cuba, Liberia or Sudan or any countries where the Department of Foreign Affairs have advised against all but essential travel.

Cancellation

Travel Delay

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Abandoning Your Trip

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Personal Belongings & Baggage

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Cutting Your Trip Short

Securing Your Home

Missed Departure

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Full policy terms and conditions can

be found in the Policy Booklet

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We have 3 levels of travel insurance. Budget, Premier & Premier Plus

Budget Cover

Cancelling your trip

Medical & other expenses outside of Ireland

Hospital benefit

Cutting your trip short

Missed departure

Missed connection

Travel delay

Abandoning your trip

Personal belongings and baggage

Including: Single article limit

Including: Valuables limit

Delayed baggage

Personal money

Including: Cash limit

Passport and travel documents

Personal accident

Personal liability

Legal expenses

Uninhabitable accommodation

Securing your home

Sum insured to

€1,000

€2,000,000

€300

€200

€500

€100

€150

€10,000

€500,000

€5,000

€250

Premier Cover

€5,000,000

€15 per day up to €2,000

€800

€15 per 12hrs up to €300

€2,000

€25,000

€100 per day up to €1,000

Premier Plus Cover

Final Invoice Cost

€15 per day up to €3,000

€750

€15 per 12hrs up to €500

€2,500

€400

€30,000

€50,000

€25 per day up to €500

Full policy terms

and conditions can

be found in the

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Find your answer among some of the common questions our customers have:

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Medical Expenses

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Sum insured

€15 per day up

to €2,000

€15 per 12hrs

up to €300

€100 per day

up to €1,000

Final Invoice

to €3,000

up to €500

€25 per day

Medical & other expenses outside

Cutting your

Personal belongings &

and travel documents

Uninhabitable

accommodation

up to €2,000

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Enhanced Travel Protection With Covid-19 Cover

The way we have travelled has changed but you can still enjoy peace of mind with a travel policy from Chill. Book your trip and travel with confidence knowing that all of our travel policies include Covid-19 Medical and Cancellation Cover as standard.

Check our FAQ section to read more about our enhanced Covid-19 cover.

At Chill, we can offer you the right level of cover for your annual family holiday, city break or that trip of a lifetime you've been promising yourself to go on for ages.

Customise your trip type, destination, and cover level to get an online travel quote in minutes. Then get back to booking your flights, looking for accommodation, and checking out the best tourist spots. Everyone wants their holiday to go without a hitch. If something does go awry, like lost luggage or lost cash, our travel insurance has you covered. Planning your dream holiday months in advance or packing last minute? Buy online now and get covered in minutes . It’s that easy.

Single-Trip Policy

Annual multi-trip policy.

If you’re planning to go on more than one trip in a 12-month period, you might want to consider taking out an annual multi trip policy. Whether you're travelling for business, pleasure, or both, multi trip insurance can save you a lot of money.

Choose Your Destination

Our travel insurance offers a number of destination options. No matter where you plan on exploring, whether it’s a quick trip across the pond or a continental visit we’ve got you covered: Single Trip

• United Kingdom & The Channel Islands
• Worldwide excluding USA & Canada
• Worldwide including USA & Canada

Planning on multiple destinations within one trip? Choose the option which incorporates all of the countries you’ll be visiting and we’ve got you covered. Check out our European travel insurance if you’re looking for a continental break, worldwide travel insurance if you’re heading further afield, or USA travel insurance if you’re going stateside. Get a quote

Family Travel Insurance

Bringing the kids abroad? If they’re under 18 you can include them on your policy for no extra charge*. If you’re planning multiple trips this year you can get family travel insurance on an annual multi trip basis so everyone is covered. If it’s a once off family holiday choose the single trip option. Family holidays tend to be more expensive, you’re bringing more people after all, so make sure you’ve the right level of cover for your loved ones. *Provided there are no medical conditions.

Get The Right Cover Level

There are three levels of cover you can choose when taking out a travel policy with us:

The higher your cover level, the more you will be compensated should something go wrong. Some common items such as missed departure , personal luggage, and cancellations are covered by all policy levels. Other items like card fraud are only covered by gold and platinum. Get a quote now and compare the cover levels to pick the right policy for you and those travelling with you. Get a quote

Medical Cover

We never want to use medical cover on our holidays but it’s better to be prepared in the event you need it. Our policy levels outline the coverage for a number of different medical items. Check it out for yourself. Get a quote

Student Travel Insurance

Planning on island hopping? Cover for multiple destinations in one trip is ideal for students. You can get student travel insurance for yourself or your holiday group by adding your friends to your policy. . Read more

Travel Topics

Holiday Insurance

Stay Safe On Your Holidays

Planning a trip abroad? Having holiday insurance will help you stay protected on your travels and allow you to enjoy your break away.

American Travel Insurance

Travel To The United States

Heading over to the USA? Whether it’s sightseeing in the Big Apple or hitting the beaches of California, it’s important to stay protected with travel insurance.

European Travel Insurance

Discover Europe

Whether it’s a weekend getaway to London or touring around the south of France, travel insurance is an important factor in all trips abroad.

Protecting Your Loved Ones

Finally picked a destination for the annual family holiday? All that’s left to do is take out travel insurance. To make your life easier, kids can be included on our family travel insurance policies.

Travel Safe

The last thing students want to worry about is paying additional fees and charges flight cancellation, lost baggage and any other inconveniences that arise when travelling.

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First Ireland is experiencing some technical problems with internal systems and emails. While we are working on resolving this problem, you still can contact us on our phone number or through our Online Chat.

If you need to make any payment you can do it online through our Online Payments available on our website. Pay Online

Please also be advised that our Customer Portal MyFI is available for you at any time. MyFI Login MyFI Registration

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Your passport to a better travel insurance deal, travel insurance.

Frequently Asked Questions

Our Products

Car insurance, home insurance, pet insurance.

You’ve worked hard all your life and now have the time to make some of those trips you’ve dreamed off. No matter what your age, we have simple travel insurance to suit your needs. Whether you’re planning a short city break, a week in the sun or a trip of a lifetime to exotic locations, then First Ireland Travel insurance 70+ provides insurance options that protects you and your holiday.

Choose from either our single or multi trip policies. Relax and un-wind in the knowledge that you’re protected against unexpected medical problems or mishaps which may arise during your trip. Have peace of mind knowing you’ll have 24/7 emergency medical and travel assistance support, staffed by travel assistance experts.

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Why Choose Us

Personal belongings.

Travel Insurance offers cover for loss or theft of your personal belongings including your baggage, passport, personal money or travel documents.

Cancellation

Travel Insurance can cover trip cancellations for reasons such as unforeseen emergencies as illness, injury or death of you, your traveling companion and/or a relative. The cover does not include cancellation due to business obligations, change of mind or your dislike of the travel time. In addition, pre-existing medical conditions are not covered. Remember this cover starts from the moment you buy your travel insurance, so it’s important to buy it once your trip is booked.

Missed Departures

Travel Insurance will cover you in case you miss your departure due to conditions you cannot control like severe weather conditions, unexpected accidents, strikes etc.

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Single Trip

Single trip insurance is best if you’re planning a one-off trip. We recommend you arrange your travel insurance when you book your holiday as cancellation cover applies from the time you pay your premium! Don’t worry if your return to Ireland is unavoidably delayed as once the circumstance is covered by your policy, then your cover date will automatically extend for the period of your delay. Long-stay travel insurance up to 365 days is also available as part of our single trip insurance options.

Annual Multi Trip

If you’re a frequent traveller, then Multi trip Insurance is probably the most competitive travel insurance for you. Multi-trip is an annual travel insurance policy. Just select your cover date and destinations that suit your annual travel plans.

Types of Covers & Benefits

• Baggage €500
• Cancellation €1000
• Medical Expenses €2,000,000
• Baggage €2,000
• Cancellation €5,000
• Medical Expenses €5,000,000

Premier Plus

• Baggage €2,500
• Cancellation Unlimited
• Excess No Excess
• Medical Expenses Unlimited

Car Hire Excess

Don’t pay extra at the car hire desk, save money now with our Car Hire Excess cover. We offer European or Worldwide cover options and our cover is up to €3,500 (annually 5,000). Our insurance covers Tyres & Keys, Fire, Theft & Vandalism, Windscreen, Undercarriage. Also, our insurance covers for additional drivers and drivers up to 84 years . Annual Cover & Daily Hires.

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Let the adventure begin!

Work, study or a holiday, relax with Vhi's travel or international health insurance when you go away

Annual travel insurance for all your trips, up to 180 days .

Vhi International

Worldwide health insurance for 6 months or more abroad .

• International

Key benefits

Medical emergencies.

Up to €10 million cover for medical emergencies.

Cancellations

Up to €10,000 cancellation or curtailment benefit.

Medical assistance, plus trip cancellation if you test positive within 14 days of your trip.   

Baggage loss

Cover of up to €2,000, if your luggage is lost or damaged.

Emergency helpline

24/7 emergency medical helpline, no matter where you are in the world. 

How can I make a MultiTrip claim?

You can now claim online with these easy steps. Our online claims portal is open 24/7, with an immediate decision available for certain claims.

Start claim : this   will take you to the external site of our underwriter. If you would like to check policy terms, conditions, limitations, and exclusions, see MyVhi .

Over the phone: if you would prefer to speak to an adviser, you can register your claim over the phone by calling us on  046 9077358  and one of our claims team can help with any questions and send you a claims form.

Am I required to have a current private medical insurance plan to be eligible for MultiTrip cover?

Yes. Your MultiTrip cover is especially designed to complement the overseas cover provided by your domestic private medical insurance plan, which must have a minimum of €65,000 for overseas medical emergencies.

Your domestic private medical insurance must be in place at the time of any event for which you subsequently claim under your MultiTrip policy. 

Are pre-existing medical conditions covered on my policy?

Yes, unlike most other travel insurance plans on the market, MultiTrip from Vhi Healthcare includes cover for pre-existing conditions up to the full limit of your medical cover provided your health insurance plan has overseas cover, and your pre-existing medical condition is covered under the terms and conditions of that domestic private medical insurance plan. Please see eligibility section for circumstances not covered. You must have served your initial waiting periods on your private medical insurance policy.

Eligibility

We cannot offer cover under the following circumstances, even if you suffer an illness, injury or a new or change to a medical condition that is unrelated:

• If you have been diagnosed with a terminal illness.

• If you are not fit to travel or fit to undertake your trip.

• If you are travelling intending to receive medical treatment.

• If you are travelling against the advice of a medical practitioner.

Please note: if you are 80 years or over, cover is limited only to the overseas cover limits on your domestic private medical insurance plan. Pre-existing conditions will not be covered.

COVID-19 and MultiTrip travel insurance

Further information is available  here .

When should I purchase my MultiTrip travel policy?

You have no cover on your MultiTrip policy until the start date of the policy. Your cover, including cancellation cover will only begin from the start date you choose.

The ideal time to purchase your policy is prior to booking your trip. This will ensure that cancellation cover will be available to you, should something happen to prevent you from travelling. Please refer to terms and conditions  here .

Renewing your policy

You can update your payment details or purchase add-ons in  MyVhi :

•  1. Go to your MultiTrip policy
•  2. Select 'View Details' under 'Payment Information'.
•  3. Choose 'Update Payment Details' or
•  4. Select 'Purchase Add-ons'.

Full cover for in-patient and day care treatments. 

Medical helpline

24/7 access to emergency medical helpline.

Major medical treatment

Flexibility to return to Ireland for major medical treatment. 

Emergency medical transfer

Full cover for emergency medical transfer, evacuation and repatriation. 

Continuous cover

Continuous cover at home and abroad - no new waiting periods when you transfer back to a Vhi hospital plan. 

What is Vhi International, and do I need it?

Do i need this policy as well as my private health insurance policy.

No, this is a replacement policy for anyone who currently holds a health insurance plan in Ireland. It replaces your existing plan to cover you while abroad.

What are the benefits of Vhi International?

Vhi International offers comprehensive international healthcare cover. It also offers flexibility to return home to Ireland for major medical treatment and continuous cover at home and abroad, meaning no new waiting periods when you transfer back to a Vhi hospital plan. 

How can I make a Vhi International claim?

Our online claiming system allows you to submit your medical expenses in a convenient and fast way. You can complete the form, upload photos of your receipts and submit the claim online in just a few minutes. The claim will then be paid directly into your designated bank account. The link to claim will take you to the external site of our underwriter.

Over the phone: if you would prefer to speak to an adviser, you can register your claim over the phone by calling us on 046 9077377 and one of our claims team can help with any questions and send you a claims form.

How do I check what I am covered for?

Go to MyVhi or phone the claims team on +353 46 9077377 .

Best Cheap Travel Insurance of May 2024

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Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

In an ever-evolving world, emergency medical and evacuation travel insurance coverage is essential, especially if you're traveling internationally. However, sports equipment coverage, pet protection, and cancel for any reason coverage are among the increasingly popular coverage options that are changing the way we travel. We've gathered the best cheap travel insurance plans to help you protect your trip while on a budget.

Our top picks for the best cheap travel insurance

• Best overall: HTH Worldwide Travel Insurance
• Best for trip cancellation: GoReady travel insurance
• Best value: Nationwide Travel Insurance
• Best for reputation: Trawick International Travel Insurance

How we rate the best cheap travel insurance »

Compare the Top Affordable Travel Insurance

The best travel insurance meets your needs at a price you're willing to pay. Sometimes, you're just not willing to pay that much. The following companies offer decent coverage for low prices. To determine which companies made this list, we compared quotes across the travel insurance industry for the same trip, making a note of which companies offered particularly good coverage in certain areas and which companies were well reviewed.

Here are the best affordable travel insurance companies picked by Business Insider editors in 2024.

Best overall: HTH Worldwide

The HTH Worldwide Travel Insurance Economy plan offers the most comprehensive coverage across major categories of all the providers in this guide.

You'll have some peace of mind with up to $75,000 of financial protection for eligible medical emergencies, and up to $500,000 per person for medical evacuation costs. For more everyday expenses, you can also relax with baggage loss and delay, trip interruption, cancellation and delay coverage that will help you recoup many, if not all, of your costs.

However, this plan falls short on missed connection benefits and accidental death coverage, both of which are not available under most circumstances (missed connection coverage only applies to cruises, and will only cover up to $500 per person after a three-hour delay).

Read our HTH Worldwide Travel Insurance review here.

Best for trip cancellation: GoReady

The GoReady travel insurance Trip Cancellation Plan is exactly that: a cost-effective plan that offers protection in the event that your trip is canceled for a covered reason. The plan we priced out for our hypothetical trip cost just 1.16% of our total travel expenses — a very small amount of money to pay for the guarantee of our money back in the right circumstances.

The benefit is that this plan can supplement other coverage you already have, or give you a little bit of protection for a trip where you might not otherwise have opted for insurance altogether. On the downside, you won't get any protection for medical emergencies, trip interruption or delays or lost bags from this plan.

Read our GoReady Travel Insurance review here.

Best value: Nationwide

Nationwide Travel Insurance  is a well-rounded alternative to HTH Worldwide Trip Protector Economy. This plan offers solid protection for both travel-related snafus as well as situations that might call for emergency medical and evacuation, making it a good choice for trips where you have cause to worry about potential interruptions or delays. However, it does not offer protection for missed connections or accidental death.

Read our Nationwide Travel Insurance review here

Best for reputation: Trawick

The Trawick International Travel Insurance Safe Travels Explorer plan has been purchased by more than 36,000 travelers since 2020, and it has great reviews to boot. And no wonder: Trawick offers generous trip delay coverage of up to $2,000 per person, although hopefully you won't need to reach that reimbursement amount because the daily limit is $150.

You'll also be able to rely on a $200 reimbursement per person for lost baggage - one of the higher amounts amongst these affordable plans, although this amount pales in comparison to the baggage loss coverage offered through the best travel credit cards .

Read our Trawick Travel Insurance review here.

Types of Affordable Travel Insurance

Comprehensive coverage.

This type of insurance offers extensive protection, covering everything from medical issues to trip cancellations. While it's more expensive up front, it can save you a lot in the long run.

Medical-Only Coverage

As the name suggests, this policy focuses solely on medical emergencies, making it a cost-effective option for travelers who are primarily concerned about health-related expenses.

Evacuation and Repatriation

In extreme cases where you need to be evacuated due to a medical emergency or a natural disaster, this coverage ensures that you can return home safely without incurring huge costs.

Benefits of Opting for Cheap Travel Insurance

Cost savings.

Cheap travel insurance can significantly reduce your travel expenses, ensuring that you're not overpaying for coverage you might not need.

Adequate Coverage for Less

Just because it's cheap doesn't mean it's lacking. Many affordable policies offer substantial coverage, giving you peace of mind without breaking the bank.

How to Pick The Best Cheap Travel Insurance Plan for You

No single travel insurance plan will meet the needs of every single traveler. By nature, we are diverse and evolving meaning travel insurance should be equally so. Travel insurance for a week-long trip to a big city shouldn't be the same as the coverage for a backpacking expedition in the mountains. A splurge to purchase comprehensive insurance coverage may also be worth it for international ventures or other large expenditures.

In most cases, the cost difference between a basic and comprehensive travel insurance plan isn't as significant as you might think. Regardless, it's generally a good idea to choose a trusted travel insurance provider known for exceptional customer service and coverage. (For this roundup, we looked at traveler reviews shared through the travel agency SquareMouth.)

• Assessing Your Travel Needs: Consider the nature of your trip, the destination, and your own personal needs when choosing a policy. This ensures that you're not over-insured or underinsured.
• Comparing Different Policies: Don't settle for the first policy you find. Compare different options, looking at their coverage and prices, to find the best fit for your budget and needs.
• Reading the Fine Print: Always read the terms and conditions carefully to understand what's covered, what's not, and the process for making a claim.

How We Reviewed Cheap Travel Insurance

To determine the best insurance plan for travelers on a budget, we evaluated dozens of products using a hypothetical trip to Australia for a single traveler, age 26, with a total cost of $2,500 for flight, hotel and other incidentals. We then compiled the plans that covered the essentials at the lowest costs.

Of note: All of these plans include COVID-related medical coverage and 24-hour assistance, and pay at least 100% of your trip cost for eligible trip cancellations. None include rental car coverage.

The four winning plans cost between $29 to $74 — significantly below the average cost of comprehensive travel insurance , which can range between 4%-8% of total travel expenses, according to the US Travel Insurance Association.

But these affordable plans also come with comparably low ceilings for various aspects of coverage such as emergency medical, trip cancellation, or delay — and do not include rental car or " cancel for any reason" (CFAR) protection . So if you think you might need these benefits, it may well be worth upgrading to a comprehensive travel insurance plan for a few more dollars, just for the peace of mind.

Convenience and Flexibility

Each of the plans in this list include 24-hour assistance worldwide from reputable insurance providers. And despite being on the lower end of insurance plans, each of these options includes refunds for up to 100% of your total trip cost for eligible reasons. Each of these plans also includes medical coverage for COVID-related issues that may arise during your travels, which may come in handy as the pandemic continues to evolve worldwide.

Sufficient Coverage in Essential Categories

The cheapest travel insurance plan will rarely cover every scenario that could go awry on your trip. However, each of these plans can at least help you get your money back in the event that your travel is canceled for an eligible reason, and most of them include travel medical insurance if you incur emergency medical bills while traveling. We also factor in what travelers are most concerned about now. 

You can read more about how Business Insider rates insurance here.

Best Cheap Travel Insurance FAQs

How can i reduce the cost of travel insurance.

You can reduce the cost of travel insurance by opting for simpler coverage or choosing higher deductibles on travel medical insurance. You can also consider annual travel insurance , which will save you money in the long run if you take multiple trips over one year.

Can cheap travel insurance provide enough coverage for international trips?

Yes, many affordable policies offer comprehensive coverage suitable for international travel. It's crucial to compare policies and understand your needs. You can find our guide on the best international travel insurance here.

Why is travel insurance so cheap?

Travel insurance is relatively cheap because it only covers you for a set period of time, and depending on your plan, the level of coverage you get may not be particularly high. However, even with high coverage limits and extras like cancel for any reason coverage , travel insurance is relatively affordable. 

How much should travel insurance cost?

The average cost of travel insurance is 4%-8% of your trip's cost. This usually translates into a premium between $89 to $399. That said, many companies offer premiums far below average costs.

How do I find the right travel insurance plan for my budget?

When shopping for travel insurance, consider the type of trip you're planning. If you're planning leisurely excursions in a big city, you may not need as much emergency medical coverage as you would if you're planning a serious hiking expedition in the mountains. A good plan should include trip cancellation, some emergency medical protection, and 24-hour assistance at a minimum.

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