Does my travel insurance cover medical costs upfront or do I have to pay and claim later?

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.

Who pays depends on what’s happened!

If it’s an emergency situation where hospital admission and/or medical evacuation is required, we'll cover these costs upfront (provided the incident is covered as per the policy wording, of course).

You, a member of your travelling party, a friend or a close relative must contact our 24/7 Emergency Assistance Team as soon as possible to confirm cover, manage costs and any potential claim if you:

  • have been admitted to hospital as an in-patient;
  • get medical treatment or need ongoing treatment, where the cost of treatment is likely to exceed €625;
  • are injured, are hospitalised or suffer psychological trauma in an assault; or
  • need emergency transport, medical repatriation or a medical escort.

If it's not an emergency and the costs are less than €625 e.g. you see the doctor at the local medical centre, then you would pay upfront and make a claim online once all treatment is complete.

This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover, please contact us for help.


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