Consumer – Insurance

What happens if the status of my holiday destination changes while I am abroad?

If your insurance provider is a member of Insurance Ireland, you will likely be covered by your travel insurance in the event of the status of your holiday destination changing during your stay. As the official advice regarding international travel and public health is subject to change, it’s important to check with your insurance provider before you travel.

Government has advised against non-essential travel to my holiday destination. If I cancel my trip on this basis, am I still covered by my insurance policy?

The first step should be to check the Department of Foreign Affairs website for their official advice on travel to your holiday destination and see if there are any travel restrictions which may affect your holiday plans.

Based on government advice against non-essential travel to your holiday destination, you may be able to make a claim on your travel insurance. However, this will depend on the terms of your policy, so be sure to check the details carefully. Contact your insurer as soon as you can to find out what your options are.

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.

Click here for more information on package holiday cancellations and refund credit notes.

If the Government has advised against travel to my holiday destination, but I decide to travel anyway, am I still covered by my travel insurance policy?

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. Be sure to contact your insurance provider as soon as possible before you are due to travel, to find out if you are eligible to make a claim.

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, what can be considered ‘essential travel’ is currently not defined and will depend on your individual situation, 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 an EU country or Switzerland. You can get more information on the EHIC website.

Last updated on 2 December 2020