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:

  • 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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  • 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:


0800 260 5081


+353 21 237 8000

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For policies purchased before 1 November 2018:


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