Am I covered if I need to cancel my trip because a relative is sick/injured?

For information relating to policies purchased prior to 17 June 2021, 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 17 June 2021 please see below.

If a close relative suffers an accidental injury, serious illness or dies suddenly, including if they’re seriously sick or die from Coronavirus (COVID-19), then your travel insurance policy may be able to help get you home. 

What exactly is a close relative?

Sometimes it’s very hard to tell who is a close or not so close relative, some we would travel with anywhere in the world, some others not so much… but for our insurance purposes and to clear up any confusion we’ve defined it for you in the policy.  ‘Close relative’ means your spouse/partner, fiancé, fiancée, parent, parent-in-law, daughter, son, adopted or de facto daughter or son, daughter-in-law, son-in-law, brother, sister, brother-in-law, sister-in-law, grandchild, grandparent, step-parent, step-brother or step-sister, step-son, step-daughter or guardian normally residing in Ireland

What’s covered

There’s cover available for the cancellation costs incurred for any pre-booked and non-refundable portion of your transport, accommodation and tuition/course fees if you have no option but to cancel before leaving Ireland.

If you’re already travelling, there’s also cover available for your reasonable, additional travelling expenses (Economy class) to end your trip and return home early provided you have a return ticket.

For Explorer plans, under our Coronavirus Travel Costs section, if a relative is diagnosed with Coronavirus after you’ve started your trip and then dies, and you have to cancel /cut short your trip, you may be covered for your non-refundable pre-paid travel arrangements. 

Our article What's covered for Coronavirus explains the benefits available if you get COVID-19 and need urgent assistance.

How it works

If you need to end your trip earlier than planned, you must:

  • Contact your airline and change your return flight and contact any travel provider to minimise any expenses and gain refunds before making a claim on the policy.
  • You must also contact our 24/7 Emergency Assistance team to let them know your situation and your need to curtail your trip.
  • You can make a claim through your online membership for your additional expenses. You’ll also need a written medical diagnosis from the attending medical practitioner and, if applicable, the death certificate to support your claim.

Also be aware that any cancellation or trip curtailment claim submitted will have the policy excess applied. There is an excess applicable per person, per event.

What’s not covered

Here are some of the main things that aren’t covered:

  • When it’s foreseeable your close relative might be hospitalised, sick or injured and you book travel arrangements anyway.
  • Any expenses relating to a pre-existing medical condition as explained in the Policy Wording.
  • Cancellation expenses for anything booked after you leave home.
  • Any costs which can be recovered somewhere else (for example, refunds from your travel providers).
  • The cost of a return flight home if you don’t already have one. Why? Because the cost of a return flight is considered part of any normal trip cost.
  • Any expenses for which the time excess/waiting period applies, if you buy your travel insurance policy after leaving home.
  • Anything else that’s listed in the general and specific exclusions.

The policy isn’t designed to cover everything so take the time to read the terms, conditions, limitations and exclusions in the Policy Wording for full details, so there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.

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

  • Monday to Friday 9:00am - 5:00pm (UTC/UTC+1) (For policies purchase on or after 1 November 2018)
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For policies purchased on or after 1 November 2018:

1800 903 008

+353 21 237 8001


For policies purchased before 1 November 2018:

+44 (0) 330 660 0738

0330 660 0738

+44 (0) 330 660 0738