Your policy refers to time excesses rather than waiting periods.

What’s a time excess?

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 time excesses applied?

Some policy benefits have a time excess, namely:
  • Coronavirus Travel Costs pre-trip cancellation cover in the Coronavirus Travel Costs section - a 48-hour time excess (waiting period) applies from the time the Certificate of Insurance is issued before cover is activated.  If the policy is purchased overseas, then the standard 72 hour time excess 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.

  • 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.



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For policies purchased on or after 1 November 2018:

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+353 21 237 8001


For policies purchased before 1 November 2018:

+44 (0) 330 660 0738

0330 660 0738

+44 (0) 330 660 0738