Consumer – Insurance

Can I claim on my travel insurance if the Government is advising against travel to my holiday destination because of COVID-19?

If you were planning to travel to an area where the Irish Government is advising against non-essential travel you may be able to make a claim on your travel insurance. However, this will depend on the terms and conditions of your policy and when you bought it.

Will travel insurance cover the cost of my holiday if I choose not to fly due to COVID-19?

If you decide to cancel your trip to a country which the Irish Government has not advised against travelling to, it is unlikely that you will get a refund. But you should check your policy or get in touch with your travel insurance provider to find out.

It’s important to know that if you take out travel insurance after the Irish Government has advised against travelling to your destination, it is very unlikely that your travel insurance provider will consider any claim you make. If the Irish Government has advised against travel to your destination and you choose to go anyway, your travel insurance may become void. That could mean that any claim you subsequently make may be denied. If you can prove that your travel was essential, this may not be the case. However, it is not clear what is considered ‘essential’ travel, so make sure to check with your travel insurance provider before you go.

Will my health insurance cover me if I become sick due to COVID-19 when I am abroad?

If you have to travel to an area affected by COVID-19 you should contact your health insurance provider and inform them. Make sure that you know what your insurer will cover as this will depend on the type of policy you have with them.

If you are travelling within the EU you should also get a European Health Insurance Card (EHIC). If you are an Irish resident and have this card, you are entitled to free or reduced cost state-provided healthcare when visiting a EU country or Switzerland. You can get more information on the EHIC website.

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