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

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Policy Inclusions

What does a Single Trip policy include?
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?
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?
Can I change my policy?

Benefits & Exclusions

What can we insure

I live overseas. Can I buy your insurance?
I am going to live abroad and am not returning to the Republic of Ireland. Can I buy your annual Travel Insurance?
I am starting my journey from another country, but returning to the Republic of Ireland after 28 days. Will your policy cover me?
Can I buy AIB Travel Insurance to cover a business related trip?
I am Irish but my partner does not have Irish citizenship, can we purchase a policy to cover us as a couple?

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?

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?
We have a 'family' policy, but our children live away from home during term time at college. Are they covered?
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?
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

Choose the travel insurance policy that’s right for you

Key Benefits

Key Exclusions

Maximum Payable

Excess