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Backpacker Travel Insurance

Backpacker Travel Insurance Key Benefits Table

 

There are some situations that you are not covered for. Generally, these involve anything you already know about, or that is caused by deliberate or illegal acts on your part. Full details of these are in the policy document.

 

* The discount is based on the price you would have got over the phone.

 

Key Benefits

Key Exclusions

Maximum Payable

Excess

 

Cancellation

Illness or death of anyone not insured under the policy (Immediate Family Members) if You, or any other Person Insured, were aware of any reason, either at the time a Holiday was booked or at the time You purchased this Policy, why that Holiday might have to be cancelled

 

€2,000

 

€100

 

Travel Delay

Must be delayed for at least 12 hours on the outbound or return journey

 

€100

Nil (unless the Holiday is abandoned)

Mugging

Must be in patient in hospital and no cover if the mugger is known to You

 

€750

 

Nil

Search & Rescue

Recovery operation must be provided by a recognised recovery service

 

€5,000

 

Nil

Catastrophe

Any expenses incurred following disinclination to travel

€500

€100

Personal Accident

If death, loss or disability is Due To disease or any physical defect, injury or illness which existed before the Holiday

 

€40,000

 

Nil

Medical Expenses

Travelling against the advice of a Doctor and for any treatment not medically necessary

Unlimited unless medical expenses result from Extreme or hazardous activities where the maximum payable is €1,000,000

€100 or €250 for hazardous activities or €500 extreme activities

Hospital Benefit

Any institution not recognised as a hospital in country of treatment

€200

Nil

Personal Property

Max limit for any one item and valuables in total is €250 Valuables left unattended (check in luggage, back seat of car, out of sight) Dentures, hearing aids, prescription glasses, sunglasses, prescription sunglasses, contact or corneal lenses

 

€1,000

 

€100

Lost/Stolen Money (per person)

If police report/hotel management report is not provided to verify loss/theft of money

 

€300

 

€100

 

Loss of Passport/ Driving Licence

We will not pay unless a loss or theft is reported to the Police (and the hotel management if the loss or theft occurs in a hotel) within 24 hours of discovery and We are provided with a copy of the original written Police report and report to the hotel management as applicable

 

€500

 

Nil

Hijack

Any criminal act

€500

Nil

Personal Liability

Any wilful or malicious act

€2,500,000

Nil

Overseas Legal Advice & Expenses

Any criminal or wilful act or any claim reported 24 months after the beginning of the incident which led to the claim

 

€15,000

 

Nil

The information above shows only the key benefits and exclusions, you should review the policy document to find further details on all benefits and exclusions.

 

We also offer cover for Single, Annual Multi-Trips and Winter sports. Insurance for Winter sports and Single Trips and Annual Multi-Trips.

AIB Travel Insurance Downloads

Backpacker Policy Document

Backpacker Insurance Product Information Document (I.P.I.D.)

 

Help and Guidance

Frequently Asked Questions

 

Other Information

Some of the links above bring you to external websites. Your use of an external website is subject to the terms of that site. Allied Irish Banks, p.l.c. is an agent of AIB Insurance Services Limited in relation to provision of general insurance products. AIB Travel Insurance is exclusively underwritten by Chubb European Group SE. AIB Insurance Services Limited is regulated by the Central Bank of Ireland.

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