Your travel insurance policy can cover your overseas emergency medical expenses if you suddenly fall ill or suffer an injury while on your travels and you need urgent medical treatment.
The limits vary depending on the plan you buy, Standard or Explorer.
The following expenses may be covered when treatment is medically necessary (as certified by an authorised medical practitioner) and can’t wait until your return home:
There’s also cover for emergency medical transport, evacuation and repatriation home if necessary depending on how serious your condition is. This must be pre-approved by the insurer.
If something happens, go to the closest medical facility for the emergency medical treatment you need. Call our emergency medical assistance team immediately for advice on what to do as well as directions to the nearest or most suitable medical facility if you:
If you are admitted to hospital for at least one night, you MUST contact the emergency medical assistance team immediately. If your medical claim is accepted, your medical bills will be paid directly to the medical facility if possible.
For treatment received as an out-patient (ie no hospital admission), you should pay the medical bills yourself then make a claim online later. Be sure to keep all your receipts and doctors reports to support your claim.
Also be aware that any medical claim submitted will have the policy excess applied. A €100 excess will be deducted per insured person, per event.
The policy isn’t designed to cover everything. Take the time to read the terms and conditions in the Product Guide for full details, limits to cover and exclusions, particularly Section 7 Overseas Medical and Dental Expenses. That way there are no surprises if you need to use it.
Here are the main things that aren’t covered:
We’re here to help if you have a question about travel insurance. We’re available: