Sometimes a travel warning advising you not to go to a certain location may be issued by a government body.
Your policy is not designed to cover you for needless risks or expected or known events, which includes travelling to or in areas where your Government expects something to happen which may impact your health, safety or travels.
What’s covered
If the Department of Foreign Affairs (DFA) has issued a warning of 'Avoid All' or ‘Avoid Non-essential Travel’ to a specific region or country before you buy your policy or book your trip, we can’t insure you to travel there or to stay there unless you receive written confirmation from us (Avoid Non-Essential only). Travellers with the Explorer Plan may have cover if such a directive is issued up to 7 days before your trip start date after you purchased your policy (cancellation cover) or while you’re away (curtailment cover).
Travel Insurance Tip: Some exclusions will apply for epidemics, pandemics, and World Health Organization (WHO) declarations of a public health emergency of international concern. Please be sure to read the Policy Wording carefully as these are outlined in specific sections. Make sure you keep up to date on the travel warnings and health advice. Information from the DFA is available at dfa.ie, and get the latest from WHO by visiting who.int.
Please note: warnings may be issued or changed at any time. Please make sure you check your travel status before you buy a policy and invest in any travel arrangements.
Travel Advice for Irish residents can be obtained from the Department of Foreign Affairs (DFA):
Telephone: + 353 (0) 1 408 2000 or
Website: https://www.dfa.ie/travel/travel-advice/
What’s not covered
There is no cover for any expenses incurred due to:
- Any consequence whether direct or indirect of radioactive contamination, the use of, or threat to use, any nuclear device, chemical, or biological weapon.
- War or war like activities
- Failure to follow a warning issued by the DFA advising against all or all but essential travel to a particular country or part of a country and you not taking the appropriate action to avoid or minimise any potential claim under your policy, including delay of travel referred to in the warning.
For Irish residents:
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Ireland's DFA issues a travel warning of ‘Do Not Travel’ or ‘Avoid Non-essential Travel’ |
Policy conditions |
|---|---|
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Directive issued before you buy a policy or before you booked your trip. |
No cover for any loss or claim arising because you choose to travel to or remain at a destination for which this travel advice is already issued. |
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Directive issued after you purchased the policy or booked the trip (whichever is the later) and incurred expenses and before departure from Ireland. |
Cancellation cover applicable – Explorer Plan only |
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Directive issued after you purchased the policy and after you have left Ireland to commence your trip (whichever is the later). |
Curtailment cover applicable – Explorer Plan only. Please note: some exclusions including for epidemics and pandemics apply to this part of the Explorer Plan. |
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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Before your trip, check the latest government advice for any travel alerts for your destination.