Travel Insurance Cover Details, Questions and Answers

Choose the travel insurance policy that’s right for you

We have polices suited to all travel types from Single Trip, Annual/Multi Trip, Winter sports and Backpacker cover.

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Key Benefits	Key Exclusions	Maximum Payable	Excess
Cancellation & Curtailment	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	€3,000	€65
Travel Delay	Must be delayed for at least 12 hours on the outbound or return journey	€150	Nil (unless the Holiday is abandoned)
Missed Departure	Sufficient time not allowed for the journey. Missed departure due to heavy traffic.	€500	€65
Compassionate Return	If the Person Insured knew before travelling that they may have to return to Ireland before the end of the Holiday	€300	Nil
Pet Care	Any Holiday in Ireland	€150	Nil
Personal Accident	If death, loss or disability is Due To disease or any physical defect, injury or illness which existed before the Holiday	€30,000	Nil
Medical Expenses	Travelling against the advice of a Doctor and for any treatment not medically necessary	Unlimited	€65
Hospital Benefit	Any institution not recognised as a hospital in country of treatment	€500	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)	€1,500	€65
Lost/Stolen Money (per person)	If police report/hotel management report is not provided to verify loss/theft of money	€500	€65
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	€30,000	Nil
Winter Sports (if shown as insured on the policy schedule	If a claim is due to participation in competitive winter sports	€300	Nil
Car Hire Excess Cover (if shown as insured on the policy schedule)	Must be aged between 21 and 75 on date of purchase of insurance	€4,000	Nil

The information above shows only the key benefits and exclusions in relation to Single Trip, Annual Multi Trip & Winter Sports Travel Insurance (excluding Backpacker Cover), you should review the relevant policy documents to find further details on all benefits and exclusions.

AIB Travel Insurance Policies

Travel Insurance Frequently Asked Questions

Common queries

Help & Guidance: Coronavirus & AIB Travel Insurance

For Information on Coronavirus & AIB Travel Insurance Click Here. For urgent queries about your policy you can call us on 1800 24 24 67 (Monday to Friday 9:00 to 17:00).
What is AIB Travel Insurance?

AIB has created a range of Travel Insurance covers to protect you. These policies are underwritten and serviced by our chosen underwriters, Chubb European Group SE. The Chubb Group is one of the world's largest property and casualty insurers with strong financial ratings from leading rating agencies.
What do you mean by the term Irish resident?

An Irish resident is someone who has been living in Ireland (not Northern Ireland) for at least 180 days prior to the date the cover is applied for.
Is it safe to put my personal details online?

Yes. Whenever we ask you for personal information, we do so within a secure environment and all details sent between you and our web site are encrypted.
How can I pay?

If you buy through the AIB Mobile app, you will pay from your AIB account. If you buy online or over the phone you will need a credit or debit card. Customers who buy online receive an additional 10% discount compared to buying over the phone.
Do the limits under the policy apply per person or per policy?

Each of you is covered separately up to the limits shown in the policy. The policy limits apply in the same way as they would if you had each taken two separate policies. This is true for each person insured under the policy, although some benefits are restricted for children less than 16 years of age.
How do I make a claim?

See our claims section for details.

Policy Inclusions

What does a Single Trip policy include?

A Single-Trip policy covers you for one holiday of up to 31 days. Ideal for short breaks or one off holidays. All you have to do is choose the length of your stay and if you are looking for European or Worldwide cover.
What does a Backpacker Trip policy include?
Backpacker Travel Insurance covers trips for up to 13 months and with a budget option available, you can get the cover you need at a price that's right for you.

AIB Backpacker Travel Insurance Benefits:
- Unlimited Medical Expenses Cover
- Cover from 45 Days to 13 Months
- Over 240 Sports and Recreational Activities Covered
- Cover for Backpacking and Gap Years, Gap Placements Working or Studying Abroad
What does an Annual/Multi Trip policy include?

Annual/Multi Trip Policies are suitable for people planning multiple trips over the next 12 months with the same benefits of Single Trip Cover. If you’re a frequent traveller or planning another trip abroad over the next 12 months, then multi-trip Travel Insurance is for you, as it can save you money on multiple trips.

Annual Multi-trip policies give you cover for up to 90 days abroad in a year. Trips can be no longer than 31 consecutive days. With an Annual Multi-Trip policy, you are also covered for holidays in Ireland if you spend at least two nights in accommodation, booked before your departure.
How do I renew my annual multitrip policy?

We will send you an email reminder before your annual policy expires and offer you the opportunity to buy another policy. You can buy another policy through the AIB Mobile app, online or over the phone 1800 24 24 67 (Monday to Friday 9:00 to 17:00).
I’m going Skiing/Snowboarding – what’s included in winter sports Travel Insurance?
Stay safe on the piste this season with optional winter sports cover for your ski or snowboard trip. Add it to any single trip or annual multi trip policy.

AIB Winter Sports Travel Insurance Benefits:
- Unused Ski Pass Cover of up to the value of €75 per week.
- Airline lose or damage your sports equipment, or did you damage it yourself? We will cover the cost of hiring new equipment for up to €20 for each 24 hour period.
- Cancellation, curtailment or rearrangement – up to €3,000.
- Lack of Snow Cover of €20 per day
Can I get instant cover and policy documents - I'm travelling today?

No problem! As soon as you make a payment, we will confirm your cover on screen, and to the email address you have provided. You can also choose to get an SMS with cover details to your mobile. Provided you have your policy number, emergency contact number and claims contact number, you have all the basic information you need.
Can I change my policy?

You can change your policy. If you need to add winter sports cover, upgrade area of cover or want to increase the number of people insured, you can call us on 1800 24 24 67 (Monday to Friday 9:00 to 17:00). Once you are not on holiday at the time, we can cancel your policy, give you an appropriate return of premium and arrange a new policy for you.

Benefits & Exclusions

When does my cover begin?

If you are buying a single trip policy, your cancellation cover begins instantly. If you are buying an annual policy, your can choose when your cover begins up to 180 days in the future. If you have already booked a holiday, and have no other Travel Insurance arrangements in place, you should ensure your policy starts immediately, so you are covered for cancellation.
How many days am I actually covered per year under your annual policy?

Our annual policy covers you for individual trips of up to 31 consecutive days. You can take as many individual trips as you like providing you don't spend more than 90 days abroad in any insurance period. If you select our winter sports option, you will be covered for up to 21 days in any insurance period whilst you participate in winter sports either abroad or in the Republic of Ireland.
Am I covered for holidays in the Republic of Ireland?

Yes, provided you have bought an annual policy. You must spend at least two nights in accommodation you booked before your departure. So a weekend break involving two nights in a hotel would be covered, but a day out and overnight stop wouldn't. If you have bought a single trip policy you will not be covered for holidays in the Republic of Ireland. Whichever policy you buy, some benefits are not payable for holidays in the Republic of Ireland. See the Policy Wording for full details.
Are there any restrictions to personal belongings cover?

Personal Belongings left unattended, out of your sight or in a position where you cannot prevent interference with them (E.G. If you go for a swim, or a drink or other reason) are not covered by this Insurance. Do not leave personal belongings unattended unless locked away.
What am I not covered for?

The Insurance Product information documents (IPID) above contain a summary of the most important exclusions . It is not possible for us to list everything you will not be covered for, and we strongly advise you to read the full Policy Wording. Under each section of cover you will find a list of exclusions on the right hand side of the page, and a further list of General Exclusions in Part IV towards the end of the policy wording. These sections must not be read in isolation, but within the context of the full policy wording. If you have any doubts about what is not covered, please contact us on 1800 24 24 67.
I have a medical condition, can I be covered?
Before you buy an AIB Travel Insurance policy, we ask you to confirm that you are NOT
- receiving or on a waiting list for treatment in a hospital or nursing home
- waiting for investigation or referral, or the results of any investigation, medical treatment or surgical procedure, for any condition, whether diagnosed or undiagnosed
- choosing to take an incorrect dose of prescribed medication, or choosing not to take prescribed medication.
- travelling against the advice of a medically qualified doctor
- travelling for the purpose of obtaining medical treatment
- travelling after being given a terminal prognosis
If you can confirm these and the other statements we ask you to confirm, you can buy our cover online.
Will I be covered for terrorist activity?

Yes, provided it does not involve nuclear, chemical or biological weapons or agents.

What can we insure

I live overseas. Can I buy your insurance?

Sorry, only Irish residents can buy our insurance.
I am going to live abroad and am not returning to the Republic of Ireland. Can I buy your annual Travel Insurance?

Sorry, our policy does not cover single direction trips or Non-Republic of Ireland residents. Trips must begin and end in the Republic of Ireland and you must be resident here.
I am starting my journey from another country, but returning to the Republic of Ireland after 28 days. Will your policy cover me?

Sorry, trips must begin and end in the Republic of Ireland.
Can I buy AIB Travel Insurance to cover a business related trip?

No, AIB Travel Insurance does not cover any business related trips.
I am Irish but my partner does not have Irish citizenship, can we purchase a policy to cover us as a couple?

If your partner is not an Irish citizen, they are covered provided you are both resident in the Republic of Ireland (for 180 days prior to applying for a policy) and your partner is your spouse or a person of either sex with whom you have been living for at least three months as though they were your spouse.

Additional Cover Options

What is Car Hire Excess Cover?

Renting a car abroad? You can add our optional Car Hire Excess cover to your European Single Trip or Annual / Multi Trip Travel Insurance policy for as little as €2.39 per day or €39.99 per year.

Our policy is designed to allow you to claim back the cost of the excess you may have to pay in the event of a claim on the rental car agreement.

AIB Car Hire Excess Benefits

Up to €4,000 for any single incident (maximum of €5,000 during any one annual period of insurance).

Car Rental Key cover up to a maximum of €500 for any single incident (maximum of €2,000 during any one annual period of insurance).

Family Cover, extends cover to immediate family members named on the policy schedule.

The insured person must be a named driver on the car rental agreement, be aged between 21 and 75, hold a full valid driving license and permanently reside in Ireland.

When you hire a car in Europe, your rental agreement should include a Collision Damage Waiver (CDW) and cover for Third Party Liability and Theft. There is normally an excess applicable to the CDW and Theft part of the agreements which you would be liable to pay in the event of a claim. This excess in most cases can range from €100 to €2000. Our Car Hire Excess cover is designed to allow you to claim back the costs of this excess (in full). To be eligible to purchase this cover you must be between the ages of 21 and 75. Car Hire Excess cover is only available to customers who purchase European policies.
My health insurer covers my Health for overseas trips? Can I get a discount on my travel policy?

For individuals with suitable private health insurance we provide - healthcare plus Travel Insurance.

It saves you money, because you are not paying for health cover you already have. Single and Annual policy cover options are available.

Family Policies

How many children can I insure under your policy?
You can insure up to 7 children, Children must be:
- the children of you and/or your partner, and
- under 18 (or under 23 if still in full-time education) on the day you buy your policy, and
- dependent on you or your partner even if they don't live with you.
I have a child over 18 who still lives at home and is in full time education, can we cover him/her under our family policy?

Yes, provided he or she is under 23 years of age.
We have a 'family' policy, but our children live away from home during term time at college. Are they covered?

As long as your children or your partner's children are not older than 18 years on the day you buy your policy (or under 23 years if still in full-time education) and dependent on you, they are covered - whether they live with you or not. But there are restrictions on their ability to travel without you or your partner.
Can children insured under an 'individual and children' or 'family' policy travel on their own?
Yes, but only if you have bought our annual policy. If the child is named on your annual policy they are covered whilst they are travelling on their own in the following circumstances:
- in the company of an adult (i.e. someone not defined as a child under this insurance) you or your partner know other than on an organised school, college or university trip
- travelling on a scheduled air service as an unaccompanied minor, but only if that air service operates an unaccompanied minor scheme, and only if they are travelling with the intention of joining, or being subsequently joined by, another adult insured under the policy. They are not covered whilst traveling on their own in any other circumstances.

Travel & Medical Advice

What happens if my flight is delayed beyond the insurance period?

If your flight is delayed on your return journey and you do not get back into the country until after your policy has expired, your cover will continue until your airline can get you home.
What if I have a medical emergency abroad?

This depends on which of our covers you have purchased. Healthcare+ Travel Insurance – you must contact your Private Medical Insurance (PMI) provider. They will be responsible for handling your medical expenses claim until medical repatriation costs exceed their policy limit. If your costs exceed 50% of your PMI policy limit, you must contact us immediately on +353 1 661 9133. For all other Travel Insurance emergencies please call Chubb Assistance on +353 1 440 1762.
Do I have to pay medical expenses and claim them back or will you pay them directly?

If it's a medical emergency and you are admitted to hospital our emergency assistance service will guarantee the fees of the hospital and attending doctor(s) – so you don't have to pay. In cases where the expenses are small, you may opt to pay, or be asked to pay, and claim the money back. Please talk to our emergency assistance service, unless the case is very minor, and they will decide what to do.

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Travel Insurance Cover Details & FAQs