For information relating to policies purchased prior to 8 November 2022, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 8 November 2022, please see below.

What’s a waiting period?

It’s the amount of time you have to wait before cover is activated and/or before a benefit becomes payable.

But why do I have to wait for cover?

To put it bluntly, it reduces the likelihood of travellers making claims as soon as they purchase insurance. It also helps to keep the price lower for everyone.

When are waiting periods applied?

Some policy benefits have a waiting period, namely:

  • Coronavirus Travel Costs Pre-Trip Cancellation cover in the Coronavirus Travel Costs section – a 48-hour waiting period applies from the time the Certificate of Insurance is issued before cover is activated. Remember though, if the policy is purchased while you’re overseas, then the standard 72-hour waiting period will apply to all sections of your policy.
  • Baggage Delay – you have to wait 24 hours from the scheduled arrival time before you can claim for essential items when your bags go missing.
  • Travel Delay – the delay has to be 12 hours or longer before you can claim for this cover.

In addition, if you buy your policy while already travelling, you’ll need to wait 72 hours before you can be covered under any of the policy benefits. The exception is emergency overseas medical expenses and emergency transport expenses. These come into effect immediately if you are injured in connection with an accident and it is verified by an independent third party.

This is only a summary of cover and does not include the full terms and conditions of the policy. You should read your policy wording in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.

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We’re here to help if you have a question about travel insurance. We’re available:

  • Monday to Friday 9:00am - 5:00pm (UTC/UTC+1)

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For policies purchase on or after 2 December 2018:

+353 21 237 8006


For policies purchased before 2 December 2018:

+61 2 8256 1542