Frequently Asked Questions

• 1. What is the maximum age on a policy?

  The maximum age limit is 79 years of age.

• 2. Does the policy cover if I am diagnosed with Covid-19 and have to cancel?

  Yes, subject to the terms and conditions of the policy document, this will be covered.
  Please note the policy does exclude the following.

  This policy does not provide cover for the following:

  • Cancellation/curtailment claims that are not supported with confirmation of a positive diagnosis of Covid-19 from your GP/Department of Health that includes the date of your test.

  • Losses arising from prohibitive regulations by the government of any country and/or mandatory government closure.

  • If you, your travelling companion(s) or close relative have symptoms associated with Covid-19 at the time of buying this insurance policy or booking a trip.

  • If you, your travelling companion(s) or close relative are awaiting results after undertaking a Covid-19 test.

  We will only consider claims for Covid that are supported with written confirmation of a positive diagnosis from your medical practitioner or the Department of Health. This written confirmation will need to include the date of the Covid test and the date of diagnosis.

  In all instances, please refer to the policy document for full terms and conditions.

• 3. Does the policy cover if the government lock down or restrictions prevent me from travelling?

  No, the policy does not provide cover for this.

• 4. Does the policy cover for trips booked outside Ireland and the UK?

  No, the policy will only cover you for trips booked within the Republic of Ireland and the UK.

• 5. How close to my trip can I take a policy?

  You cannot purchase a policy if your departure is within 7 days.

• 6. I am renting a place from my friends or family; will this be covered?

  No, the policy will only cover accommodation costs that are booked with a licensed third-party provider.

• 7. Does my policy cover my pre-existing conditions?

  Your policy does not exclude pre-existing conditions, but it does include important conditions relating to health such as the below.

  At the time of buying this insurance policy, there is no cover if:

  • You or your travelling companion(s) are having symptoms of Covid or are awaiting results of a Covid test.

  • Any medical condition(s) for which you or a close relative or a travelling companion(s) have not had a diagnosis.

  • Any medical condition(s) for which you or a close relative or a travelling companion(s) have received a terminal prognosis.

  • Any medical condition(s) for which you or a close relative or a travelling companion(s) are on a waiting list for or have the knowledge of the need for surgery, in patient treatment or investigation at a hospital, clinic or nursing home.

  At any time, there is no cover for:

  • Any medical condition(s) for which you are not taking recommended treatment or prescribed medication as directed by a medical practitioner.

  • Pregnancy or childbirth where you do not experience a complications of pregnancy and childbirth as defined in the policy.

  In all instances, please refer to the policy document for full terms and conditions.