travel insurance providers ireland

Ireland Travel Insurance

Travel insurance for ireland.

Known for its lush green countryside, ancient castles, and lively traditions, Ireland captivates the hearts of visitors from around the world. Whether you're exploring the vibrant streets of Dublin or marveling at the dramatic Cliffs of Moher, Ireland promises a journey filled with unforgettable experiences. As you embark on your Irish adventure, you must be well-prepared for any unforeseen events. That's where travel insurance comes into play, offering coverage throughout your travels. In this guide, we'll walk you through the ins and outs of travel insurance for Ireland, helping you explore the Emerald Isle with confidence.

• What should your Travel insurance cover for a trip to Ireland? 

How does Travel Insurance for Ireland work?

• Do I need Travel Insurance for Ireland? 
• How much does Travel Insurance cost for Ireland? 

Our Suggested AXA Travel Protection Plan

• What types of medical coverage does AXA Travel Protection plans offer?
• Are There Any COVID-19 Restrictions for Travelers to Ireland?
• Traveling with pre-existing Medical Conditions? 

What should your Travel Insurance cover for a trip to Ireland?

At a minimum, your travel insurance to Ireland should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State  outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Ireland.

Imagine you've planned an exciting journey to Ireland, ready to explore the historic sites and savor the scenic beauty. On the day of your departure, however, you receive news of unexpected severe weather conditions affecting your connecting flight. The airport announces a significant delay, leaving you stranded and unsure about the next steps. Here's where the "Trip Delay" benefit comes to your rescue. With this coverage, you can rest assured that your additional expenses, such as meals and accommodations during the unforeseen delay, are taken care of. In times of escalating challenges, AXA stands ready to assist you in devising a strategic course of action. Here’s how travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Additional Optional Travel Benefits:

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I need Travel Insurance for Ireland?

 You don't have to get travel insurance for an Irish visa, but it's a good idea to follow the official advice and get yourself covered.  Here are several reasons why securing travel insurance for Ireland is recommended:

Medical Emergencies: While Ireland offers free healthcare to EU and UK residents, travelers from other regions may face substantial medical expenses in case of illness or injury. Having coverage for emergency medical expenses becomes essential so you can receive necessary medical care without worrying about hefty bills.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

Trip Delays: Given Ireland's unpredictable weather conditions, having coverage for unexpected delays can be particularly relevant. Whether it's due to adverse weather affecting flights or other unforeseen circumstances, this benefit may cover additional expenses for meals and accommodations incurred while you wait for your flight.

How much does Travel Insurance cost for Ireland?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:

With AXA Travel Protection, travelers to Ireland will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Ireland hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.

The Platinum Plan is your go-to choice if you're looking for extra coverage for Ireland’s experience. " Cancel for Any Reason " offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring Ireland's stunning landscapes in a rental car. The "Loss Golf Days" benefit offered by the Platinum Plan is particularly beneficial for travelers visiting Ireland, a country renowned for its world-class golf courses. In the event of unexpected closures impacting your prepaid golf plans, this optional coverage offers reimbursement, allowing your golfing experience to remain pleasurable despite unforeseen disruptions.

What types of medical coverage do AXA Travel Protection plans offer?

AXA covers three types of medical expenses:

• Emergency Medical
• Emergency evacuation & repatriation
• Non-medical emergency evacuation & repatriation

Emergency medical: Covers unforeseen events such as fractures, burns, sudden illnesses, and allergic reactions.

Emergency evacuation and repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness.

Non-medical emergency evacuation and repatriation:  Assists in situations requiring immediate departure from a destination due to non-medical incidents. These events may include natural disasters or civil unrest, and the coverage provides support for evacuation.

Are there any COVID-19 restrictions for travelers to Ireland?

As of March 2022, all COVID-19 travel restrictions have been lifted. There is no requirement to fill out a passenger locator form, provide proof of vaccination or recovery, or undergo a COVID-19 test.

Traveling with pre-existing Medical Conditions?

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.   Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, 

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plan with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation.

1. Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2. When should I buy Travel Insurance for Ireland?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3. Do Americans need travel insurance in Ireland?

Travel insurance is not mandatory for U.S. visitors to Ireland. However, having coverage for medical emergencies, trip cancellations, and rental cars can protect you from financial losses due to unforeseen circumstances and costly medical expenses.

4. What is needed to visit Ireland from the USA?

To enter Ireland, a valid passport is required. U.S. citizens can enjoy visa-free entry for tourism or business stays lasting up to 90 days. While there is no specific minimum passport validity requirement, it is advisable to possess a passport valid for the entire duration of your stay. Additionally, it is recommended to have evidence of ample funds to support your stay and a return airline ticket.

5. What happens if a tourist gets sick in Ireland?

If you become sick in Ireland, travelers with AXA Travel protection can contact the AXA Assistance at  855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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Top Travel Insurances for Ireland You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Ireland stands out for being steeped in history, home to stunning landscapes, and the host to a unique cultural heritage with traditional music and dance. What's more, it's also renowned among tourists for its legendary pubs and whiskeys! Although travelling to Ireland can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Ireland and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Ireland Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Ireland:

Best Travel Insurances for Ireland

• 01. Should I get travel insurance for Ireland? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Ireland scroll down

Heading to Ireland soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Ireland?

No, there's currently no legal requirement to take out travel insurance for travel to or through Ireland.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Ireland or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Ireland:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Ireland. It lets you choose between various plans tailored to meet the specific needs of your trip to Ireland, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Ireland:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Ireland? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Ireland

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Ireland. However, we strongly encourage you to do so anyway, because the cost of healthcare in Ireland can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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All the help you need to buy the right travel cover for your holiday, get a European Health Insurance Card, and what to do if things go wrong.

Why get travel insurance?

Travel insurance can protect you financially if something goes wrong when you’re travelling abroad or on holiday.

This could include paying for medical care if you fall ill, refunding your booking if you have to cancel or compensating you for lost or stolen personal belongings.

Find out how to secure the right travel insurance in our guide. Here’s what’s included:

What travel insurance covers

Types of travel insurance.

• Buying travel insurance in Ireland
• What the European Health Insurance Card covers
• Making a claim on your travel insurance

Holiday consumer rights

What’s covered by travel insurance.

It depends on the insurance provider and level of cover you choose, but most decent policies cover:

• Emergency medical assistance: which pays for the cost of medical treatment if you fall ill overseas. This also covers repatriation costs to get you home to Ireland if you’re not well enough to travel on a standard flight.
• Personal accidents & injury: which pays you a lump sum if you have a serious accident on your holiday resulting in life-changing injuries, for example, losing a limb or your sight.
• Cancellation & curtailment: which refunds the cost of your trip if you need to cancel or cut short your trip due to unforeseen circumstances, for example, if you or a family member are seriously ill or you’re made redundant after you book.
• Luggage & personal possessions: which pays out the cost of replacing lost or stolen luggage and for essential items to tide you over if your baggage is delayed at the airport.
• Lost or stolen money & documents: covers your foreign currency, including cash like U.S. dollars or British pounds. This also covers your travel documents and passport if they’re lost or stolen on your trip.
• Personal liability cover: which protects you financially if you cause an accident or injure someone else while abroad.

You can also add extra cover to include things like:

• Winter sports, e.g. skiing and snowboarding
• Extreme sports, e.g. scuba diving or paragliding
• Golf equipment & bookings, including your clubs and green fees if you’re injured or too ill to play

Make sure you take your European Health Insurance Card (EHIC) if you’re travelling in Europe, even if you have travel insurance.

To get the right value from your insurance, it pays to get the right type of insurance tailored to your circumstances and the type of travel.

Here’s the types of insurance you can get in Ireland:

• Single trip insurance: This covers one trip only, usually for between 30 and 60 days and is the cheapest.
• Multi-trip insurance: Also called annual cover, it covers multiple trips in one year. It may cover worldwide or just Europe & UK trips.
• Backpackers insurance: Cover designed for travellers going on a long trip or holiday abroad. Many standard travel policies only offer cover for up to 30 days per trip, but with a backpacker policy, you can get cover for up to two years plus cover for visiting multiple counties.
• Winter travel insurance: Cover that includes extra protection for activities like skiing, snowboarding and tobogganing. Some standard travel insurance policies exclude these activities because they’re high risk and the cost of medical care on the slopes can be very expensive.
• Elderly travel insurance: Cover for older people can be harder to find or more expensive because over 65’s pose a greater risk for medical care. It may also have more restrictions, so take more time to read the T&Cs and compare quotes.
• Family travel insurance: Cover for your children will work out cheaper if you buy a family policy and if you choose annual family cover you’ll have the flexibility to travel as an individual or a couple too. Perfect for a snatched weekend away!

You can read our guides How to find the right travel insurance guide or How to get travel insurance as you get older to find out more about other types of insurance.

Single trip or annual multi-trip travel insurance?

If you have more than two trips planned per year, it’s usually cheaper to get an annual policy, but your age and medical history may affect what’s available.

With annual cover, you’ll be covered for any short trips in Ireland, but if you plan to travel outside of Europe and the UK or are unsure of your travel plans, choose an annual policy that covers worldwide destinations.

For a look at the pros and cons of single versus multi-trip insurance, visit How to choose the right travel insurance .

How to choose the right type of cover

You’ll save money by choosing the right type of travel insurance for your circumstances, so ask yourself these questions before buying:

• How many trips are you taking? Consider taking out annual cover if you plan to travel more than three times per year.
• What will you be doing? Consider specialist cover if you plan to go skiing or do another high-risk activity.
• Who is the cover for? Check for discounted cover if travelling as a couple, family or group. If you’re over 70 your choice may be more limited.

For more advice on finding the right insurance for your needs, visit our how to find the best travel insurance guide.

Does travel insurance cover COVID-19?

Losses due to epidemics, border closures, warnings, travel advisories or quarantine rules are generally not covered; however, some insurers offer COVID-19 related benefits.

They may provide cancellation, curtailment, medical expenses and accommodation cover if you get COVID-19 while abroad and are unable to return home as planned.

If this is an important concern, shop around, read the terms and conditions carefully and get several quotes before choosing a travel policy.

Buying travel insurance

How much does travel insurance cost.

Standard single trip insurance could cost you less than €25 if you are young with no underlying medical conditions, but may not provide the cover you need if it’s very cheap.

Annual or multi-trip travel insurance could cost around €50 or more for European cover and €65 or more for Worldwide cover. The older you are, the higher the premium regardless of your health.

If you have private medical insurance which covers you while you’re abroad, your travel insurance will be cheaper still.

What affects the price of cover?

• your destination
• your medical history
• whether you have private health insurance

To find the cheapest travel insurance quote, shop around so you can compare prices and benefits.

What if I have private medical insurance?

Even if your existing medical insurance covers you abroad, a comprehensive travel insurance policy can offer financial protection in other areas, for example, if you need to cancel your trip or your travel money is stolen.

The good news is that many travel insurers in Ireland offer a discount on your quote if your medical insurance covers you abroad, which could make your travel insurance even cheaper.

If you hold private medical insurance, you could get up to 25% off the travel cover price.

What’s the age limit on annual multi-trip cover?

For many annual policies, the maximum age limit is 75 years, but often people over 70 years must hold private health insurance.

Should you buy the cheapest travel insurance?

Although it’s tempting to pick the cheapest policy, it’s not always a good idea with travel insurance. The cheapest policies will offer less cover and have more exclusions.

It’s best not to scrimp on cover for medical expenses and personal liability because you could end up liable for eye-watering expenses if you get ill or are involved in an accident on holiday.

Also, pick a policy that fully covers the cost of the holiday and your belongings and find a policy that includes enough financial protection for you and your family.

Who offers travel insurance in Ireland?

Most of the large insurers in Ireland offer travel insurance, as do private health companies. An online search will also provide a selection of smaller, travel insurance specialists.

Although there are many insurance providers to choose from, many policies are underwritten by the same companies.

What you need to buy travel insurance

Before you buy your travel insurance, you’ll need to know:

• Your destination: usually shown as UK and the Channel Islands, Europe or Worldwide (including or excluding USA and Canada).
• The dates of your trip: this is the date you leave Ireland and the date you arrive back in Ireland.
• Who needs to be covered: usually shown as individual, couple or family but check the help information for exclusions.
• The age of each traveller if you’re buying a group policy, have that information to hand.

You may also be asked to confirm:

• If you hold private medical insurance that covers trips abroad
• If you need cover for winter sports

When should you buy travel insurance?

It’s best to buy your single-trip travel insurance as soon as you book your trip so you’re covered if the flights, accommodation or package holiday is cancelled.

This will also cover you if something happens before your trip starts, which means you have to cancel your holiday, e.g. you or a relative becomes seriously ill.

For an annual or multi-trip policy, you need to know roughly when you’ll be travelling as you have to choose a start date for your policy and it runs a year from that date. If you book a holiday that starts before your policy does, you won’t be covered.

The European Health Insurance Card

What is european health insurance (ehic).

It’s free healthcare available to Irish residents and EU citizens living in Ireland. The European Health Insurance Card, known as the EHIC or formerly E111, shows that you’re eligible for free healthcare when you travel in Europe.

If you’re travelling to the EU or European Economic Area (EEA) you should take it with you in case you become unwell or have an accident and need medical attention.

Each member of your family needs an EHIC when they travel within the EU. You can apply for them in person, by post, or online if you have a medical or drug payment scheme card.

What does it cover?

Here’s a summary of what the EHIC does and doesn’t cover you for:

• Free or reduced cost state healthcare in any of the EU and EEA countries
• Pre-existing medical conditions
• Routine maternity care - as long as you’re not going there to give birth
• A temporary stay up to three months*

Not covered

• Private healthcare or costs for something like mountain rescue
• Ongoing or permanent healthcare
• Medical expenses, if your reason for going abroad is to have treatment
• The cost to fly you back to Ireland

*If you’re a student studying abroad, you’ll be covered for up to an academic year.

How to use the card

If you need medical care while you’re away, you must show your EHIC to the public medical centre or hospital as evidence of eligibility.

You can expect to get the same treatment and care as local residents and on the same terms.

If public healthcare is free in the country you’re visiting, you won’t pay anything, but if there’s a charge for medical services, you’ll be charged too.

Here’s more information about how to use your EHIC in each country and any costs involved.

Do you still need travel insurance?

Yes, it’s essential you get travel insurance and an EHIC, or you won’t be covered for things like cancellation and lost or stolen luggage.

Your EHIC just covers medical costs in the EU, but travel insurance can include many extras to suit your trip, such as winter sports cover. You can find out more about how to choose the best travel insurance in our helpful guide.

How to renew or apply for the EHIC

You can either apply or renew:

• In person: at any local health office except Dublin North West. Check what ID to take.
• By post: Print out an application form and post it to your local health office along with any documents required.
• Online: using the official HSE website

The EHIC is completely free. Never use a website that tries to charge you a fee.

Claiming on your travel insurance

You’ll need to contact your insurance company as soon as possible in the event of a problem.

Remember to take your travel insurance documents and their emergency contact details with you when you travel. Take a paper and electronic copy of the policy so you have more than one way of accessing the information.

If you’re taking expensive items abroad, jot down serial numbers or take photos of your electronics or jewellery before you travel.

Here’s the emergency claim numbers of popular travel insurers in Ireland:

Claiming for illness, accidents and medical emergencies

If you need medical treatment while you’re away, you’ll need to contact your insurer as soon as possible. Your insurer has to agree to any medical procedures, so do this before treatment takes place.

This may not be possible in an emergency, so get evidence of any treatments or medication you’ve paid for.

Depending on the country you’re in, you may have to pay up-front for treatment and claim it back when you get home, so always secure medication receipts or an invoice for medical treatment.

It’s vital you tell your insurer about any existing health problems or conditions when you take out insurance, or you may not be covered.

Claiming for lost, stolen or damaged belongings

If your belongings are lost or stolen, inform the local police within 24 hours of your items going missing and get a statement. If this isn’t possible, tell someone else such as your hotel manager, tour operator or airline and get a written report.

If you have to replace essential items, such as toiletries or clothing, keep receipts for everything you need to purchase and provide them as evidence to support your claim.

Your insurer will want to see that you’ve taken reasonable steps to look after your luggage or belongings whilst travelling, so be prepared for questions and support your claim with evidence wherever possible.

Claiming if you have to cancel your trip

Your claim for cancellation or trip curtailment will only be accepted under certain conditions. It’s wise to check the small print for acceptable reasons, but typically they will be:

• unexpected death, illness or injury involving you, your partner or fellow travellers
• unexpected damage to your home, such as fire, flood or burglary
• you’ve been advised not to travel due to pregnancy (after you bought insurance)
• you’ve been called for jury service or as a court witness

Check your policy schedule for the rules of reimbursement should you have to cut short your trip.

You now have the same rights whether you book your holiday at a high street retailer or online. Here are your consumer rights if you book a package holiday or linked travel arrangement.

When can you cancel?

You can cancel at any time up to the start of your holiday for a reasonable cancellation fee. The less notice you give, the more money you’ll lose.

You may be entitled to a full refund without paying any fee in the following situations:

• In extraordinary circumstances: e.g. war, terrorism, floods and earthquakes that will significantly affect the holiday or stop you from reaching your destination safely.
• If the price increases by more than 8%: you have the right to cancel without paying a charge. Contractually no price changes are allowed within 20 days of the departure date.
• If significant changes to the holiday are made: e.g. departure and arrival times that will affect your accommodation and transport arrangements.

When can the travel company cancel?

They may have to cancel due to extraordinary circumstances beyond their control or where they can’t get the minimum number of participants needed for a trip to run. In these situations, you have the option of:

• A replacement holiday of equal or superior quality
• A lower quality holiday, plus a refund for the difference between the two trips
• A full refund

Can your holiday price go up after you’ve booked?

Yes, the cost can go up but not within 20 days of your departure date. The cost of your trip may be affected by increases to:

• Transport costs e.g. fuel prices
• Taxes, fees and duties charged at airports or ports
• Currency exchange rates

What are my package holiday rights?

If you book a package holiday, you should be:

• Given all the essential information from the retailer or trader before the booking is completed.
• Able to contact the organiser directly and through the retailer you bought the package from (if different).
• Entitled to a full refund and repatriation if the trader becomes insolvent.
• Able to transfer the holiday to another traveller, giving reasonable notice and you may have to pay costs.
• Offered suitable alternative arrangements at no extra cost if a significant proportion of the travel services can’t be provided.
• Given assistance if you’re in difficulty e.g. access to healthcare or alternative travel arrangements.

How to complain about your holiday

You must raise any issues with the travel organiser without delay, where you feel a service isn’t satisfactory. If you delay, it could affect the compensation you get.

They should be allowed to put things right, but if this doesn’t happen, you should gather evidence to support your complaint e.g. take photos or video footage.

If the matter is still unresolved when you’re back home, you should put your complaint in writing within 28 days of the holiday end date. Details of where to send your complaint should be shown in the contract’s terms and conditions.

If you’re unhappy with their response or they fail to respond within a reasonable timeframe, you can contact:

• The Competition and Consumer Protection Commission (CPPC): who can investigate Irish traders and ensure they comply with the Consumer Protection Act.
• ECC Ireland: who can settle complaints between consumers and traders in another EU country, not Ireland.

Travel companies may use arbitration to resolve complaints. This is where an independent party investigates and reviews the evidence to decide how much compensation to award.

You also have the option of pursuing a claim up to €2,000 through the Small Claims Court.

Specific travel insurance questions

What is the maximum length trip i can get cover for.

It depends on the insurer. Most insurance providers cover trips lasting up to 30 days, but you could find cover up to 60 days if you shop around.

If you buy an annual travel insurance policy, you’re covered for multiple trips but only up to the maximum duration per trip and total duration for the year.

If you need continuous cover for longer, backpacker insurance usually lasts up to a year but can last up to two years.

Do you need special travel cover if you're pregnant?

Most travel insurance policies will cover you to travel in the early stages of pregnancy, but you should always check how far into the pregnancy the cover will last. For example, you may be covered to travel up to 32 weeks into your pregnancy but not beyond this date. If you fall pregnant after taking out a travel insurance policy and will be at a late stage in your pregnancy when you’re due to travel, you may be able to claim for cancellation.

What is a linked travel arrangement?

This is where you buy two or more travel services from different companies that are linked. For example, you book a flight on one website and click on a targeted link to another website where you book accommodation for your trip.

The second booking must be made no later than 24 hours after the first, to count as a linked travel arrangement.

You have fewer rights with a linked travel arrangement than with a package contract and you’re only covered against insolvency with the first booking.

What does repatriation mean?

It’s the return of someone to their own country. For example, if you fall seriously ill during your holiday you’d have to travel back to Ireland early and may need treatment on the flight home.

Emergency repatriation can be very expensive because you may need to travel back to Ireland in a specialist air ambulance, or you might have to be brought home from a remote location.

Repatriation is usually included in the medical cover benefit of a travel insurance policy, but check the policy document to make sure.

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Travel Insurance Quotes .

Travel insurance gives you peace of mind that, should something go wrong while travelling, you have financial protection. Travel insurance covers travel disruption, illness or accident, lost or stolen possessions, lost baggage, or having to cancel or cut short your holiday.

Table of Content

Who provides travel insurance quotes in Ireland

Types of travel insurance policies

• Single trip travel insurance
• Annual or multi trip travel insurance
• Backpacking travel insurance
• Over 70’s travel insurance
• Family travel insurance

What is included as standard with health insurance

Add ons for travel insurance policies

How much are travel insurance quotes

How to lower the price of travel insurance quotes

Get a travel insurance quote today

Who provides travel insurance quotes in Ireland?

There are multiple providers of travel insurance in ireland. Most offer varying levels of cover and a variety of forms of additional cover.

Types of Travel Insurance Policy

There is an array of types of travel insurance but they can be generally categorised by either the length of time you will be away for or specific forms of travel insurance for specific types of travel.

Single Trip Travel Insurance

This form of travel insurance offers protection for a single holiday to one location usually for less than 30 days. The price may vary by location, depending on whether you are going to Europe or further afield such as the USA or CAnada or if you need worldwide cover.

Annual or Multi Trip Travel Insurance

Annual / multi trip policies cover you for multiple holidays (usually each of less than 30 days duration) within a year to multiple destinations, depending on the cover you choose. 

These types of policy can offer a higher level of cover than single trip policies, for example, the limits of medical emergency cover may be higher.

Backpacking Travel Insurance

Backpacking travel insurance offers protection for multiple destinations within a year, or even two years, without any limit on the duration of your stay. 

Backpacking travel insurance is essential for long term travellers, as it will offer financial protection should a medical emergency arise, and also for disrupted or missed travel arrangements, as well as lost or stolen possessions.

Over 70’s Travel Insurance

Over 70’s travel insurance is specifically for protecting the over ‘70’s. Over 70’s travel insurance is specifically designed to cater for older travellers who may have more than one pre existing health condition.

Family Travel Insurance

Family travel insurance is designed to cover a family group with more affordable children’s cover included in the policy. Some family health insurance policies have elements of travel cover included but may not cover all travel related eventualities.

What is included as standard with travel insurance?

Some benefits are included in all travel insurance policies. These would usually be included as standard in all policies, but it is a good idea to check this for a specific policy you are considering.

24/7 Support

• Medical Emergency and Repatriation Cover

Travel Disruption

• Cancellation or Curtailment of your holiday

Lost or Delayed Baggage

• Lost or Stolen Money or Possessions Cover
• Personal Liability

Personal Accident

It is invaluable to have support should something go wrong when you are on holiday. Having information and local knowledge can make a huge difference if something goes wrong.

Medical Emergency Cover and Repatriation

Emergency medical treatment, as well as medical evacuation, and repatriation home are included in all travel insurance policies. The amounts covered may seem very high, but it is really important to have adequate cover should the worst happen.

If you have private health insurance, you may have some protection for international medical treatment in an emergency and , if you have this kind of cover, you will get a reduction on the your travel insurance premium.

Travel disruption can mean different things, depending on the policy, but generally you will be financially protected or receive some compensation if flights are cancelled or delayed past a certain point.

This kind of protection is becoming more necessary as airport disruption and travel delays are more widespread post Covid. Airport delays, as well as strikes and protests among airport staff, may cause travel delays and it is important to check what is covered when purchasing your travel insurance.

Cancellation Curtailment of your Holiday

Cancellation or curtailment of your holiday offers financial protection if you have to cancel your holiday due to death or serious illness of a close family member.Curtailment cover usually involves illness of a member of the party travelling.

Like travel disruption cover, it is important to check what is covered in your policy. Natural disasters, such as wildfires,  would not automatically be covered under this aspect of your travel insurance. You may need to purchase additional cover for natural disasters, if available from your insurer.

Baggage that is delayed or lost in transit should generally be protected by travel insurance, however there will probably be overall and single item limits on this cover. 

There may also be a time factor, where your baggage has to be lost or delayed past a certain time frame to be covered.

Lost or Stolen Personal Money & Possessions While Abroad

Losing your passport, possessions, or money or having belongings stolen on holiday will, subject to limits, be covered by travel insurance. It is a good idea not to bring valuables on holiday as their value may be above the limits in your policy.

Personal Liability Cover

Personal liability cover will offer you protection if you are responsible for an accident, or if you damage another person’s property while on holiday. The maximum amount of cover varies between policies.

Most, but not all, travel insurance policies offer cover if you have an accident whilst on your holiday. If your accident while on holiday causes you injury or disablement, you will have financial protection.

It is important to note that this type of cover will generally not include active, sports holidays, or winter sports and you will have to arrange specific, additional cover for this type of travel.

Unless you purchase more specific cover, Covid 19 cover is, generally, limited to being unable to travel due to a diagnosis of Covid 19. You should also check the DFA website before travel for any COVID related advisories.

What add ons can you get for travel insurance?

Travel insurance offers a number of forms of additional protection. Some additional cover is to enhance protection included in more standard travel insurance eg. travel disruption, and some additional cover is for specific forms of travel eg. winter sports. 

Here are some examples of additional cover available:

• Natural Disaster or Civic Unrest cover
• Winter Sports Cover
• Cruise travel insurance
• Wedding travel insurance
• Golf travel insurance
• Business travel insurance

Travel disruption cover is enhanced protection if your holiday is disrupted by airport delays or strikes or you are forced to abandon your holiday due to extreme weather, natural disaster, or disease outbreak. 

Although travel disruption is included in all travel insurance the specific details can vary between insurers and policies and enhanced travel disruption cover offers higher levels of protection.

Natural Disaster / Civic Unrest Cover

Like the additional travel disruption cover, these types of additional cover offer enhanced protection in case of adverse weather or natural disaster or civic unrest or strikes. Again, it is really important to carefully examine what protection you are offered.

Winter Sports

For those who wish to participate in skiing or other winter sports or extreme sports, additional winter sports cover or sports cover offers protection and enhanced personal accident protection.

This cover may be available as standard on some policies but is usually an additional option.

Cruise Cover

Cruise cover offers protection for cruise travel. For example, if you are relying on air travel or public transport to travel to your designated cruise departure point and experience a delay, cruise travel insurance will offer financial protection.

Wedding Travel Cover

Wedding   travel offers protection to those who travel for their wedding and provides additional cover for personal possessions associated with weddings. Check with the DFA before travel as countries listed as advisory status will usually not be covered by insurance policies.

Golf Travel Insurance

Golf travel insurance offers additional protection for golf equipment and also specific protection. if you are too unwell to play on your golf holiday. Check with your travel carrier in advance of travel about their rules regarding sports equipment.

Business Travel Insurance

Business travel insurance offers enhanced protection if you are travelling for business purposes. It may offer higher levels of cover for electronics. Some business insurance will offer financial protection if you are ill and have to curtail your business trip.

How much is a travel insurance quote?

Travel insurance quotes will vary by provider, but single, shorter trip quotes for travel in Europe without additional options, will be cheaper than quotes for other policies.

Travel in Europe is cheaper than travel worldwide, and travel to the US and Canada is usually more expensive again, due to the high cost of healthcare in these destinations.

Additional options, such as travel disruption or winter sports, will increase the quote you can get for travel insurance.

If you have private health insurance, you will pay less for travel insurance.

Here are some examples of quotes for travel insurance.

Travel Insurance Quote 1:

Single trip to Europe for one week for a family of 4, both parents aged 40 and children aged 10 & 8, with private health insurance.

Travel Insurance Quote 2:

Backpacker, worldwide incl. USA/ Canada cover, for 6 months, age 22.

Travel Insurance Quote 3:

Business traveller, age 47, travelling to US, Brazil, UK, for ten days.

Travel Insurance Quote 4:

Golf Holiday, 1 week in EU, for a couple ages 47, 46 including additional catastrophe cover, couple has health insurance.

Travel Insurance Quote 5:

Skiing holiday for a single traveller, aged 29, with winter sports cover, in EU for 2 weeks, no private health insurance.

Travel Insurance Quote 6:

Single traveller to UK for one week, aged 78, with private health insurance.

How to lower the price of travel insurance?

There is little you can do about your age or any health issues you may have, but you can still find more affordable travel insurance by following our advice.

Shop around

Get quotes from multiple providers to see if you can save money. Use our assessment to see how you could save.

The cheapest policy is not always the best as it may not offer you the cover you need but you can still find savings by shopping around.

You may get cheaper travel insurance by choosing a higher excess but be aware that you will need to pay the excess amount before you are protected by your travel insurance so make sure it is an amount you can afford.

You may get cheaper travel insurance by buying online. If you require more specialist travel insurance, you may also find better cover and prices online.

Buy multi trip insurance

You will save by buying multi trip insurance if you plan to travel more than once or twice a year. You may also get higher levels of cover in a multi trip policy in comparison to a cheaper single trip policy.

Only pay for what you need

If you only plan to take a city break in Europe, you will not need an expensive worldwide, winter sports travel insurance policy. 

It is important to ensure you are adequately protected and it is never wise to skimp on medical cover, you may not need extensive additional protection for the trip you are planning.

Have private health insurance

If you have private health insurance, and you let your travel insurer know about this, you will save on travel insurance. Some insurers offer a 25% discount on travel insurance for customers who have private health insurance.

Get the best travel insurance quotes today.

Travel insurance can be complex, and it can be expensive if you choose the wrong cover. If something goes wrong on holiday, you will also be glad of the peace of mind that having the right travel insurance in place can bring.

Contact us today to get advice on purchasing travel insurance at the best price for your needs.

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Take us away with you

Travel insurance from €6.71*

InsureandGo offers  a range of travel insurance policies  for holidays and trips of all types, whether you’re looking to cover a lazy beach holiday or an action-packed adventure around the world. That’s why we’re  Ireland’s travel insurance specialist.

• Medical coverage up to €10m (Platinum product)
• Cancellation and personal belongings covered
• 24/7 emergency assistance
• Discount for private health insurance customers
• Online medical screening

Our travel insurance policies now provide cover for Cancellation and Curtailment as a result of a COVID diagnosis, and Medical Expenses incurred abroad as a result of a COVID diagnosis, subject to the policy terms, conditions, and exclusions.

*Based on a single trip to anywhere in Europe for three days for someone aged 65 or under.

Single trip travel insurance

• Up to €7,500 Cancellation cover (Platinum product)
• Cover for trips of 3 days to up to 12 months
• Over 50 sports and activities covered free
• 24-hour emergency helpline

Annual multi-trip

• Unlimited number of trips covered
• Cover for trips of up to 60 days (Platinum product)

What are you covered for?

InsureandGo offers comprehensive coverage for your travel needs. Get a quote for an annual multi-trip or single trip travel insurance policy now.

Medical coverage

You will have access to medical coverage up to €10 million if you choose the Platinum option.

Cancellation

All of our travel insurance policies include cover for cancellation of your trip.

Emergency assistance

If you have an emergency, you can call our medical emergency line, 24 hours a day, 7 days a week.

Transparency

We are fully transparent to our clients. There are no hidden transaction fees in your coverage.

I’ve lost my documents. How do I retrieve them?

If you have lost your policy documents, you can retrieve them online. Enter your quote number and e-mail address to access your documents. If you would like your documents resent through the post or you have forgotten your quote number or if you have any other problems accessing your documents online, please call our customer service team on 091 545 904 or email [email protected] .

What do I do if my passport is lost or stolen abroad?

You should report any loss or thefts of passports to the local police in the country you are in as soon as possible. You will need the crime reference details they provide for the APS1 (which is the Lost or Stolen Passport Notification) form. You should also report the loss or theft to the Irish embassy of the country you are in. You can get details of your local Irish embassy wherever you are by visiting the website of the Department of Foreign Affairs. The Irish embassy will issue you with replacement travel documents so you can travel back.

When will my documents arrive through the post?

Normally, we say to allow between 5 to 10 working days between you buying your policy and your documents being received in the post. However, we do always aim for your policy pack to be with you sooner. You can still travel with a printed copy of your emailed documents if the posted documents don't arrive in time.

What do I need to take on holiday with me?

We advise that you take your travel insurance certificate and the relevant policy wording booklet away with you.

You may travel with a printed copy of your emailed documents. If you are unable to print your emailed documents, simply write down your policy number and the emergency medical assistance and claims line telephone numbers from the back of our policy wording booklets which can be found here.

Read more FAQs

Emergency contact overseas

In the event of an emergency overseas, call +353 91 545908

Non-emergency claims

For non-emergency claims, please call +353 91 545907

Other enquiries

For other enquiries, please see our “Contact Us” page.

Wintersports cover

We will pay (up to the amount specified, based on the policy you choose) for:

loss, theft or damage to winter sports equipment, the hire of winter sports equipment (should your equipment be lost stolen or damaged), the cost of your ski pack (should you become ill or injured), extra travel and accommodation expenses if your outward or final return journey is delayed due to avalanche, and if the piste is closed for more than 12 hours.

Private health insurance discount

If you and each additional traveller on this policy have private health insurance in place providing inpatient medical cover abroad to a minimum of €55,000 per person per claim, you qualify for a reduced premium on your travel insurance. This cover must remain in place for the full duration of your policy with us.

In the event of a claim for inpatient medical treatment abroad, you must claim on your private health insurance first. The benefits payable under your travel insurance policy will commence once you have reached the limit on your private health insurance policy.

Destinations

Europe excluding Algeria, Israel, Jordan, Libya, Lebanon and Syria (Area 2)

The Continent of Europe, The Azores, any country or island with a Mediterranean coastline.

Please see list below:

Albania - Andorra - Austria - Balearic Islands - Belgium - Bosnia - Bulgaria - Canary Islands - Corsica - Crete - Croatia - Cyprus - Czech Republic + Slovakia - Denmark - Egypt - Finland - France - Greece - Germany - Hungary - Ibiza - Iceland - Italy - Lapland - Liechtenstein - Luxbbourg - Madeira - Mallorca - Malta - Menorca - Monaco - Morocco - Netherlands - Norway - Poland - Portugal - Romania - San Marino - Sardinia - Sicily - Slovenia - Spain - Sweden - Switzerland - Tunisia - Turkey - Yugoslavia. Also included is these parts of the former USSR: Estonia - Belorussia - Latvia - Lithuania - Moldavia - Russia (Moscow) - Ukraine (Kiev)

Worldwide excluding USA/ Canada (Area 3) Worldwide including USA/ Canada (Area 4) United Kingdom and Channel Islands (Area 1)

Group types

Individual(s): Principal insured Person(s) that are not spouses or common law Partners.

Couple: Principal insured Person and his/her spouse or common law Partner.

Family: Principal Insured Person, his/her spouse or common law Partner, and their dependent child/children aged 17 years and younger.

The main traveler must be aged 18 or over, but not exceed 86

This date is too far from the current date

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Ideal for “one-off” holiday whether you are going on a an adventure trip, taking a cruise or scaling the Alps

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Annual Trip Travel Insurance: Love going on holidays more than once a year? Annual Trip Insurance is ideal for you

Planning to travel away for extended periods? Backpacker travel insurance is ideal for your big travel adventure

Have that peace of mind while you enjoy your dream winter sports holiday on the slopes

Going on a fancy cruise ? Then cruise cover is ideal for you

Not Irish resident or already traveling but forgot to buy travel insurance? Then Travel Insurance while abroad is ideal for you

Single Trip Travel Insurance

Annual multitrip travel insurance, backpacker travel insurance, winter sports travel insurance, cruise connection travel insurance, travel insurance while abroad, how to buy travel insurance in minutes.

Save yourself valuable time and money by using the Ucompare insurance comparison tool to find the right policy for you within a matter of minutes.

1. Enter your travel details

Enter some basic details about what you are looking for

2. Get Quotes & Compare

Compare quotes from Ireland's insurance providers

3. Choose and Book

Choose your insurer and pay them directly

4. You are now covered

Sit back and enjoy your holiday

Types of Travel Insurance

Are you planning the holiday of a lifetime around the world or even a ski trip closer to home? Then be sure to remember your comprehensive travel insurance policy, there to give you the peace of mind that if anything goes astray from your plan. You will still be safe and sound- more and more people are learning about travel insurance in Ireland, and answering some of the most common questions making it a must-have for any holiday.

Annual Trip Travel Insurance

Our annual trip holiday insurance policies cover avid travellers for a full 12-month period. You can select from various geographical locations, including Europe, the US, Australia, or even worldwide. An annual trip travel insurance policy covers you for all trips made within the year, so you never need to worry about any last-minute panic to arrange travel insurance. If you are a frequent flyer, it will often be much better value than individual policies for each trip.

We also offer a huge range of comprehensive single trip travel insurance options. If you don’t travel as frequently, the single trip option can save you a lot of money and stress if anything doesn’t go to plan. This travel insurance type offers advantages, including the policy being tailor-made and designed especially for your trip abroad. We offer a large range of add-on options for whatever you may need.

If you are travelling for an extended period of time, our backpacker travel insurance options have you covered. It is the most popular option for those jetting off to travel the world and is essential if you will be away from home for more than 3 months. Our BACKPACKER TRAVEL INSURANCE policy options can cover you for up to 2 years, so no matter how long you will be away for, make sure to get a quote today.

Travel Insurance While Abroad

If your travel insurance expires while you are abroad, or you forgot to arrange travel insurance before you left home, fear not. We offer travel insurance policies which can be purchased from abroad. These are also not restricted to nationality or country of residence, meaning we can offer travel insurance to everyone wherever you are. Although many insurance providers do not offer this option, we have you covered at Ucompare for arranging travel insurance while abroad. If you have any more questions about this service, then do not hesitate to contact us, our agents would be delighted to help.

Benefits of Holiday Insurance with Ucompare

Holiday Insurance in Ireland needs to be purchased prior to commencing your trip; if you wait until you reach your destination and then try to purchase the insurance, most likely you won’t be covered as insurance companies won’t cover people who have already departed for holidays.

It has become a very hot topic with so many holidays and travel plans being cancelled due to airline strikes, volcanic ash, adverse weather conditions and more recently with Coronavirus pandemic.

Holiday Insurance can cover a broad range of benefits including emergency medical service, missed departure if you have a valid reason that is covered under your insurance policy, cancellation due to a valid and insured reason, personal expenses and many other benefits as stated on your policy documents.

Above list is not an exhaustive list so we recommend our customers to always check their travel insurance policy documents if there are any exclusions. Don’t just go for the first cheap insurance policy you can find on the internet as it might be full of exclusions and even the most basic things won’t be covered. Some benefits may not be applicable due to various reasons like trip duration, age limit and any incident related to alcohol or drug.

The most common benefits that people look out for are Emergency Medical Expenses, Cancellation and Baggage cover. It is also important to ensure that the excess is not too high as you want to avoid getting a nasty surprise if you try to make a claim. You can choose to buy the excess waiver cover by paying a small additional premium to reduce the excess to zero.

We have all heard of someone who has run into difficulty abroad at one point or another. If you prefer to book your holidays with your trusted travel agent, it is worth noting that you can make significant savings on your Insurance if you tell the agent that you can organise that aspect of the package yourself.

Travel agents normally add a mark-up on the premium to cover their cost and this could easily add another twenty to thirty euros to your insurance premium. This is especially true for older travellers, who generally face a much higher premium than their younger counterparts.

We have partnered up with top brands like Multi trip, AA, Insureandgo to name just the few to give you the best prices in the market. So, it doesn't matter if you are going for a short city break to London or travelling to America on a family vacation, we have a range of insurance policies to choose from to make sure you get the best value for money you can find in Ireland. Please use our comparison engine to get the best insurance quotes for your trip now.

Comparing Holiday Insurance benefits and limits is so important. Did you know that if you were to end up in a hospital in Europe for one week your bills may reach up to €2,500? If you were to end up in a similar situation in the US, the bill is likely to run into tens of thousands.

In recent years, many insurers have introduced additional covers to protect you against situations such as volcanic ash clouds and natural disasters. In 2010, many people were adversely affected by the Icelandic Ash Cloud that brought the European air space to a standstill.

If this is a particular concern of yours, it is useful to compare the benefits on each insurer’s policy to make sure you get the best Insurance policy that is right for you.

Another option to make sure you are covered for all eventualities is to buy Travel Disruption and Flight cancellation additional cover which could be helpful if your airline has cancelled your flight.

Not Sure Which Travel Insurance Policy To Buy?

Sometimes deciding which travel insurance policy to buy can be a difficult task. With so many options out there, it can be very confusing to know which one is offering you the most comprehensive cover at the best price. There are more and more savvy shoppers now coming to us for cheap holiday insurance in Ireland.

With the Ucompare comparison tool, the process is made easy. We search the market for the best deals available and allow you to compare the different policies and prices to see the exact differences between them. This makes your decision much easier as you have all of the information required in one place.

If you’re still unsure about which policy type would be best for you, click on one of the below to get all the details you need.

Selecting a Travel Insurance Policy

Travel Insurance is an important part of your holiday preparations.

What cover levels should i look for?

Single Trip, Annual Multi Trip, or Backpacker travel insurance, we have you covered.

Compare Travel Insurance Ireland

Save money by comparing different insurance policies.

Compare Quotes For Cheap Travel Insurance!

Compare and buy cheap travel insurance policies with Ucompare.ie. We are Ireland’s leading travel insurance comparison website. We search and compare quotes from different insurance providers all over the country, so you can relax and simply choose the right travel insurance policy that fits your needs.

Travel insurance has become such a hot topic these days with flights cancelled and being delayed due to bad weather, strikes, civil unrest and third-party insolvency. Make sure to protect yourself against the risk and don’t let it happen to you.

Make sure you buy adequate travel insurance cover for you, your spouse or your family before you travel. It is vital to choose the best travel insurance cover to suit all of your individual needs.

Don’t worry; at Ucompare we do the difficult part of the job for you! We search for quotes from a wide and varied range of different travel insurance providers, so all you need to do is to fill in your details and let us do the rest. Compare cheap travel insurance quotes with Ucompare and travel with confidence.

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Travel Insurance

Get 20% Off Your Travel Insurance By Buying Online*

*20% online discount automatically applied to all new business AIG Direct Travel Insurance quotes.

Important Notice:  Please be advised that the military conflict between Russia and Ukraine may impact travel insurance coverages and benefits, and AIG’s ability to provide certain travel-related assistance services, for travel to, from or within Ukraine, Belarus or Russia.

Travel Policies

Help & Advice

Discover The Benefits of AIG Travel Insurance

Annual multi trip travel insurance starting from €2.82 per month[ 4 ]..

With all our travel insurance policies you will also get a wide range of benefits as listed below and in our  product information document .

Quick Claims Process

Our claims process is designed to be quick and hassle-free, so you can get back to enjoying your travels as soon as possible.

• Flexible Cover Options

Choose from a range of plans to fit your specific needs and budget, whether you're traveling solo or with family and friends.

Global Coverage

We provide coverage for trips all around the world, so you can travel with peace of mind no matter where you go.

24/7 Customer Support

Our knowledgeable and friendly customer service team is always available to assist you, whenever you need it

Choose the Best Travel Insurance Policy For You

Pick up a travel policy and explore more with our fantastic cover that provides a range of benefits with a 20% online discount[ 1 ]. If you have private medical insurance that has overseas medical cover, you could save even more with a 25% discount on your travel cover.[ 2 ]

Single Trip Travel Insurance

Take a long weekend away from €6.44 per trip [ 3 ], you can get budget holiday insurance that's quick, simple and cost effective for short term trips up to 120 days.

Annual Multi Trip Travel Insurance 

From only €2.82 per month (€33.89 per year) [ 4 ], travel around Europe as much as you like for up to 12 months, with 17 days of our winter sports or skiing cover free.

Long Stay Travel Insurance

If you're in it for the long haul, more than 3 months and up to 12 months, enjoy peace of mind with our Extended Stay travel insurance; perfect for globetrotters.

Winter Sports Travel Insurance 

Make the most of winter and the various activities it offers with our Ski & Winter Sports cover.

Family Travel Insurance 

Add up to 4 dependents at no extra charge, so you can go on and enjoy your family trip.

Backpacker Travel Insurance 

Get 24/7 emergency assistance as standard so you can span the globe with added piece of mind.

Golf Travel Insurance

Enjoy the fairways around the globe with our excellent cover for Golfers.

Covid-19 Update

Find out what AIG Travel insurance provides cover for in relation to Covid-19.

[1]  20% online discount automatically applied to all new business AIG Direct Travel Insurance quotes. 

[2]  25% discount is subject to owning Private Medical Insurance that provides overseas medical cover for all insured persons for the duration of their time abroad.

[3]  Price of €6.44 is based on an individual buying online aged 18-54 holding Private Health Insurance which provides medical cover for the duration of their time abroad, travelling for 3 days (2 nights) on a European Budget policy. Example correct as of 21/11/2023. 

[4]  Price of €33.89 is based on an individual buying online aged 18-54 holding Private Health Insurance which provides medical cover for the duration of their time abroad on a European Budget policy. Example correct as of 21/11/2023. 

Coronavirus (Covid-19) Notice

Due to the widespread media reports of Coronavirus (Covid-19), and the World Health Organization (WHO) announcement declaring Covid-19 a pandemic, Covid-19 is a foreseen or known event. If you are purchasing a new policy, certain covers will not apply.   AIG Travel insurance provides cover for the following Covid-19 related events:

a)  for trip cancellation  (Section A of the policy document attached) if  1)  an Insured Person,  2)  a person who an Insured Person has booked to travel with  3)  a relative or friend living abroad who an Insured Person had planned to stay with or  4)  a Business Associate has a  confirmed and documented diagnosis of COVID-19*  at the time of departure which prevents the Insured Person from travelling.

b) for medical expenses  (Section B of the policy document) and  cutting your trip short  (Section C of the policy document) coverage if an Insured Person has a  confirmed and documented diagnosis of COVID-19*  whilst on a covered trip to a country that the Department of Foreign Affairs (DFA) has allocated a security status of Normal Precautions or High Degree of Caution to.

Please note that travel to a country that the Department of Foreign Affairs (DFA) has allocated a security status of Avoid Non-Essential Travel or Do Not Travel to is excluded by our policy.

All other Covid-19 related claims are excluded. We encourage AIG travel policyholders to please refer to their  policy wording  for full details or get in touch with us on 1800 344 455 with any further queries. All claims submitted will be assessed in line with the terms, conditions and exclusions clearly detailed in the policy wording.

*Confirmed and documented diagnosis of COVID-19  means a positive PCR or antigen test which has been conducted by a trained clinician. Self-administered antigen tests will not be accepted as a valid confirmation of a positive diagnosis.

Enjoy a Worry-Free Holiday with Travel Insurance From AIG

Travel insurance fedback from aig customers, more than 3 in 4 aig customers would recommend us. [5].

[5] Based on a combined promoter score of 74% in 8,050 AIG new business customers and renewing customers from June 2022 to June 2023.

Customer images are for illustration purposes only and are not reflective of the customer in order to protect their privacy.

• Quick Claim Process

Claims made easy. We'll always aim to make your travel insurance claim as quick and easy as possible.

"SORTED A PROBLEM OTHER COMPANIES STRUGGLED TO."

EDDIE - JANUARY 2024

Whether you're taking a break abroad or enjoying a staycation, we have a policy for you. See our  policy booklet for details.

"IT WAS STRAIGHTFORWARD AND A GOOD SELECTION OF OPTIONS TO FIT PEOPLE'S BUDGETS."

DARREN - JANUARY 2024

24/7 Help & Support

Whenever you need us, our 24/7 emergency assistance helpline are here to help as standard.

"I CONTACTED CUSTOMER SERVICE ABOUT A PROBLEM AND THEY GOT TO ME FAST AND SORTED IT OUT."

CHRISTENA - JANUARY 2024

79% of travel customers are delighted with our service [6]

[6] Based on a combined promoter score of 79% in Q1 2023 AIG new business travel customers

"THE STAFF WERE VERY FRIENDLY AND INFORMATIVE AND ANSWERED ALL MY QUESTIONS.  MY ONLINE EXPERIENCE WAS EQUALLY EXCELLENT."

DEIRDRE - DECEMBER 2023

• 24/7 Support
• Great Customer Service

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What is Travel Insurance?

Travel Insurance is insurance that is designed to protect your health, belongings and the cost of your trip should anything go wrong while you are abroad or in some cases before you leave.

Do You Have Private Medical Insurance?

Having a plan that covers medical treatment while you are abroad, might qualify you for cheaper travel insurance premium. 

Do You Need Car Hire Excess Insurance?

Our Car Hire Excess Insurance can help take care of that nasty bill you may be left with if your rental car becomes damaged or stolen.

Get your great value Travel Insurance today

Frequently asked questions.

You can find a list of our most frequently asked questions on our FAQ page. 

Our insurance policies do not cover pre-existing medical conditions, or travel to or through Cuba, Iran, Syria, North Korea or the Crimea region, or countries where the Department of Foreign Affairs have allocated  a security status of 'avoid non-essential travel' or 'do not travel'.  Other exclusions and conditions may apply so please check the  Policy Wording  for details.

Policy Documents

You can find our Travel Insurance Policy Document and IPIDs including all our historical versions, by following the link below.

Have A Question?

You can contact our customer service team between 9am - 5pm on  1800 344 455 . If you need help with your existing policy or are looking to renew, you can find all your relevant information on our  Existing Customers  page.

Explore Our Travel Tips & Guides

Know more and make better choices - find useful tips and ideas on our  Travel Insurance Blog

Ski Holidays Guides

Whether you're an experienced skier or a novice hitting the slopes for the first time, our comprehensive guides have everything you need to make your ski trip a success.

Travel Destination Guides & Inspiration

Traveling around Europe or dreaming of exploring South America or embarking on an African safari? We've got you covered with expert tips and things to know before you go.

Car Hire Tips & Advice

Learn how to save money on car rentals and discover must-know tips for a smooth and enjoyable journey. Prepare yourself for a stress-free car rental experience and make the most of your travels.

Backpacking Tips & Advice

Whether you're a seasoned backpacker or planning your first adventure, our expert insights cover everything you need to know. From essential packing lists and practical travel tips to guidance on planning a gap year trip, we have you covered.

Travel Safety Tips & Advice

From practical airport safety measures, navigating last-minute holiday bookings, understanding the risks associated with traveling without insurance, ensuring hotel safety, and handling flight cancellations, our guide equips you with the knowledge to protect yourself and your travels.

Family Travel Tips & Advice

We understand that traveling with children requires careful planning, patience, and creativity. That's why we've curated a comprehensive guide that covers various aspects of family travel.

Terms and Conditions:

[2]  25% discount is subject to owning Private Medical Insurance that provides overseas medical cover for all insured persons for the duration of their time abroad.

[3]  Price of €6.44 is based on an individual buying online aged 18-54 holding Private Health Insurance which provides medical cover for the duration of their time abroad, travelling for 3 days (2 nights) on a European Budget policy. Example correct as of 21/11/2023.

[4]  Price of €33.89 is based on an individual buying online aged 18-54 holding Private Health Insurance which provides medical cover for the duration of their time abroad on a European Budget policy. Example correct as of 21/11/2023. 

[5]  Based on a combined promoter score of 74% in 8,050 AIG new business customers and renewing customers from June 2022 to June 2023.

• Our products are available for Ireland residents only.

• You must be 18 years or over to purchase a policy.

• Your trip must not have already started to purchase a policy from us.

• Upper age limits may apply, depending on the product selected.

• You may wish to compare the terms and conditions of this policy with those of your existing life, health, home and car insurance policies, as well as any other cover which you may already have or is available to you, including through other insurers, as a member of an organization, or through your bank/credit card program(s).

✨ We’re Ireland’s most competitive car insurance broker!^✨ Insurance up for renewal? Get a Quote today!

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Annual Travel Insurance

Travel Insurance from €14.99^ with 24/7 GP access.

^ AA Travel Insurance Annual Multi Trip Value price covers one adult under 50 to Europe with private medical insurance. AA Ireland is tied to Inter Partner Assistance SA for travel insurance policies.

Discover AA Travel Insurance Features And Benefits 🏝

Peace of mind for every adventure: Travel anywhere with AA Travel Insurance Ireland! Our comprehensive coverage protects you at home or abroad, including 24/7 access to a GP – that’s standard! Plus, there are even more benefits to discover. Get a quote today!

Annual Multi Trip

Get cover before, during and after your holiday the whole year.

Cancellation Cover

Cover up to €6,000 for any lost travel and accommodation costs if cancelling your trip is unavoidable

Medical Cover

Emergency medical and repatriation cover up to €10,000,000

Baggage Cover

If your baggage is delayed for more than 12 hours we cover you for up to €300 (€50 per day)

Winter Sports Cover

Covers a wide array of winter sports activities including skiing and snowboarding

COVID-19 Cover

Cancellation, Curtailment, Medical Expenses & additional accommodation cover if you contract COVID-19 while abroad & unable to return home as planned.

24/7 access to a GP as standard.

All AA Travel Insurance policies now give you access to an English speaking GP 24/7 whilst you are abroad. If you need a doctor , they are just a call away or click away…

Our Cover Options You Might be Interested In....

Eyeing a short adventure?

Single Trip Travel Insurance

Big break or mini-vacation? We can help you plan!

Backpacker Travel Insuranceurance

With AA Travel Insurance, we have something for everyone.

Get cheap holiday Insurance from as low as €14.99  We Cover Medical, Baggage, Annual Multi-Trip, Cancellation etc.

Travel Insurance Frequently Asked Questions (FAQs) ✨

What does travel insurance not cover.

With AA Travel Insurance you can include additional add-ons like Travel Disruption, Car Hire Excess, Cruise Connection, Golf, Wedding & Winter Sports cover to you policy so you can avoid not being covered in these situations

When should I buy travel insurance?

 You should buy travel insurance as soon as you begin planning your holiday that way you can ensure you’re fully covered, or opt for an annual multi-trip policy to cover all your trips throughout the year. Learn More.

I have a medical condition. Can I buy your travel insurance?

Of course! But in order to ensure your pre-existing medical condition is covered, you would need to speak to our Medical Screening line. An additional premium would occur to cover pre-existing conditions. Read More.

What does AA Travel Insurance cover in relation to Coronavirus (COVID-19)?

Yes we do! We’ll cover you for cancellations, shortened trips, medical costs, and extra lodging expenses if COVID-19 affects your travel plans and you’re unable to return home on schedule. Read More.

Already Insured with us? 🤝

We hope your trip will go off without a hitch, but should something change. We’re here.

Uncover Our Travel Tips & Guides

Boost Your Travel Know-How – Explore Tips on Our Travel Hubs!

The Best Time to Buy Travel Insurance: Don't Wait Until It's Too Late

Hottest Holiday Destinations This Summer

5 Unexpected Situations Where Travel Insurance Saves the Day

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• Single Trip Travel Insurance
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• Wintersports Travel Insurance
• Cruise Travel Insurance
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Compare great value Travel Insurance from brands you can trust

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Get the right cover for you

Single Trip

Compare great value Travel Insurance for your next trip!

Annual Multi-Trip

Do you Travel more than once a year?

Winter Sports

Planning on hitting the slopes this winter?

Planning a once in a lifetime cruise holiday?

At Insurancecomparison.ie

We compare travel insurance quotes from the leading brands, helping you to find the most suitable travel insurance product for your upcoming trip..

• Step 1 - Enter your details
• Step 2 - Compare quotes from leading providers
• Step 3- Choose and book
• Step 4 - Relax and enjoy your holiday :)

Why buy travel insurance for your trip?

Buying travel insurance can help cover you for things that can go wrong when you are abroad, particularly if you get ill or injured. in addition a policy can help if you lose possessions, or have a delayed flight., a policy would normally cover you for the following:.

Medical expenses incurred abroad

Cancellation or curtailment

Personal liability

Emergency Assistance and repatriation

Personal possessions

Travel delay

Whether you’re exploring Europe or travelling worldwide, cruising the open seas, or hitting the slopes this winter to partake in winter sports, our travel insurance comparison tool will help you identify the best travel insurance policy quickly and easily.

Simply follow the process above, telling us some details about your trip, yourself and your travelling party. Our panel offers cover for individuals, families, couples or groups , with different cover levels and excesses. In addition some of our panellists offer cover for pre-existing medical conditions.

DO I REALLY NEED TRAVEL INSURANCE?

It is not a legal requirement to have travel insurance when abroad but if you don’t, and you require medical treatment while you’re away, you may have to pay the bill. These bills can be very expensive, for example treatment in the USA should your appendix rupture can sometimes cost in excess of 10,000 Euros. By taking out a comprehensive insurance policy, you can have that peace of mind that if the worst were to happen you would likely be covered.

Do I need Travel Insurance for Europe?

It is a good idea to have comprehensive travel insurance in Europe. The European Health Insurance Card (EHIC) only covers medical care in certain public facilities and will not cover any repatriation costs to get you home, should the worst happen. Some insurers on our panel will waive the medical excess if an EHIC is used, so travelling with one can be a way to also save money .

What medical conditions do I need to declare?

Not all insurers on our panel will cover claims arising directly or indirectly from a pre-existing medical condition. A summary document of each schemes Important Conditions relating to health is provided in the results section when you progress through a quote. You will need to read this document carefully before purchasing any policy and notify the insurer where applicable.

What happens if I develop a medical conditions after I buy a policy?

It's important that you declare any changes to your health or medical conditions, even after you have bought your policy. Please contact the insurance provider directly.

Am I covered for sports and activities?

Our panel of travel insurance policies will all include cover for some sports and activities as standard. However other activities will be excluded or you may need to pay an additional premium to cover. Please check the policy terms and conditions before purchasing.

Will my policy cover cancellation?

Most policies on our panel will cover cancellation due to unforeseen specified circumstances. You can select the amount appropriate to the cost of your trip. Please note for single trip policies cancellation benefit is applicable from the date you purchased the policy. For Annual Multi Trip policies cancellation cover starts from the date you book your trip or the commencement date of the policy whichever is later and ceases on the policy expiry date unless you renew with your insurer.

What is an excess?

An excess is the agreed amount of money you will pay towards a claim, these are usually calculated per person per claim, but can vary between policies. Once the excess has been settled, your insurance provider will then pay the remaining expenses up to the cover limit.

What is repatriation?

Repatriation is the return of your body back to the Republic of Ireland for medical treatment, if it was to be deemed necessarily. This benefit also covers the repatriation of your body if you pass away whilst abroad.

What is the difference between Single trip and Annual Multi Trip cover?

A single trip policy is designed to cover a specific holiday. You will need to select the destination countries and when the trip will start and end to receive a quotation. An annual multi-trip policy is designed to cover multiple trips within a 12-month period. Therefore, if you or your family are regular travellers, travelling more than once per year, an annual policy could save you time and money. Most policies have maximum trip duration limitations, so please check policy documentation before purchasing.

Why are cruise and winter sports cover more expensive?

When you go on a cruise or go on a winter sports holiday,  these are likely to incur the insurer additional costs compared to a typical holiday, for example, the cost of getting you off the ship if you were ill or if you require an emergency evacuation off a mountain if you were to injure yourself on the slopes. There are also extra product benefits are often added to the policy to cover things such as missed port departure, cabin confinement and itinerary changes, and for winter sports benefits such as piste closure and cover towards ski and snowboarding equipment. These will vary between providers on the panel so please check the policy documentation.

What isn’t typically covered by Travel Insurance?

Each holiday Insurance will have its own policy terms, conditions and exclusions. These will be made clear on the policy wording and a summary can be found in the Insurance product information document (IPID for short). It is important to check these before you Travel. Some travel insurance exclusions are fairly standard, though, which means it is unlikely you would be covered for the following:

• Alcohol related incidences.  
• Extreme sports and activities (some insurers will offer to cover these at an additional premium).
• Medical expenses if you give birth overseas. Most policies do not define pregnancy as a medical condition but are unlikely to cover if you are travelling near your due date.
• Needless exposure to danger.
• Travelling against the advice of the department for Foreign Affairs (DFA) or World Helath Organisation (WHO).

How can I get cheap travel insurance?

When you buy holiday insurance it’s important to always choose a policy that is most appropriate for your individual needs. The cheapest travel insurance may sometimes not give you the level of cover you actually need, which could end up costing you a lot more in the long run. That doesn’t mean you should spend a fortune but it is good to check the coverage of a range of providers, our quote engine will allow you to select the amount of coverage you need for benefits such as cancellation cover and baggage cover and compare. Other ways to obtain cheaper travel insurance quotes include purchase an annual policy if you travel regularly, or select a higher excess (this could cost you more if you need to make a claim though), again you can select the excess amount and compare travel insurance quotes.

How do I compare travel insurance?

Our comparison tool will allow you to compare holiday insurance quotes. When you enter your details, you can specify the maximum excess you would like to pay, and the minimum cancellation and baggage benefit you require, as well as optional extras such as winter sports and cruise. The results presented will be to the specified criteria making it easier to compare travel insurance. You will also need to check documentation as each policy has its own terms, conditions and exclusions.

Covid-19 FAQ’s

In order to help you understand what is and isn’t covered under various scenario’s please read the below FAQ’s concerning Covid-19.

Before you travel please check the Department of Foreign Affairs (DFA) website https://www.dfa.ie/travel/travel-advice/ to get the most up to date information on travel guidance. If the DFA advises against all or all but essential travel policies sold on this platform will not cover you.

Am I covered if I get Covid-19 whilst abroad and require medical treatment?

This would be covered as standard on all policies offered on the platform – please note however that no cover would be in place if you are travelling against the advice of the Department of Foreign Affairs (DFA) or against medical advice.

Am I covered if either myself or my travelling companion has had to self-isolate because we have come into contact with someone with Covid-19?

Get Cover, Accident & General and Travelsafe.ie offer coverage but will only cover if a positive diagnosis has been made. If there has been no diagnosis and you have only been asked to self-isolate, then you would not be covered under these policies.

Am I covered if my trip is going ahead but I no longer wish to travel?

No providers on our panel offer cover for disinclination to travel.

Am I covered if the Department for Foreign Affairs advises against all but essential travel to my destination?

No cover under this policy for this scenario. Please check the DFA website before you travel https://www.dfa.ie/travel/travel-advice/

Am I covered if government restrictions are in place that advise travel is OK but a quarantine period is required on arrival back to Ireland?

 No cover is in place for disinclination to travel should you wish to cancel for this reason.

Can I still buy Travel Insurance and will it cover Covid-19?

Travel Insurance is still available to but via Insurancecomparison.ie – and every provider on our platform provides emergency medical assistance and repatriation for Covid-19 as a minimum. This means that if you are diagnosed with coronavirus whilst abroad you would be covered for medical treatment and getting back to the UK if deemed necessary.

Will Travel Insurance cover me if I have to cancel my trip following a positive diagnosis of Covid-19?

Get Cover, Accident & General, and Travelsafe.ie now cover cancellation if you or a travelling companion receive a positive Covid-19 diagnosis in advance of the trip. Cover would not apply if symptoms or diagnosis occurred prior to your policy purchase or within 7 days of the issue date.

6 Travel Insurance benefits

By having travel insurance, you are covering yourself against travel emergencies and risks

11 Reasons you need travel insurance

Planning your trip is almost as exciting as finally departing on it but you need to ensure you are covered

All you need to know about travel insurance

Insurance Comparison compare travel insurance policies so you are sure to have the best cover available for your trip and your budget.

Are your gadgets covered on your travel insurance policy

Gadget cover on your travel insurance (depending on your policy) could protect your gadgets

Backpacker Travel Insurance

Backpacking is one of the most incredible ways to travel

Cover your tech when you travel?

Use a comparison engine like Insurance Comparison to ensure you buy the right cover for your trip and your tech.

Delayed, lost or damaged luggage: what you need to know

With Insurance Comparison you can compare many travel insurance policies from top brands in Ireland at a click of a button.

Different Travel Policy Types

Planning your next trip is exciting, always ensure you are covered for the unforeseen.

Emergency Assistance

Travelling with peace of mind is probably one of the most important elements of your trip.

Emergency Dental Cover when Travelling

Insurance Comparison is a quick and easy way to compare travel insurance policies on one website

Ensure you have travel insurance

Travel insurance can help give you that peace of mind while on an overseas holiday

Essential tips for business travellers

Ensure your hotel and flight offers Wi-Fi as part of your package so you are sure to be prepared the moment your feet hit the ground.

Extra cover for sports activities when travelling

No matter what your idea of a holiday is, relaxing next to the pool or the exhilaration of jumping off a bridge, you must ensure your travel insurance would have you covered.

Extreme sports and travel insurance

If you are planning on anything adventurous make sure your travel insurance would cover you for adventure sport.

Family travel insurance

Travel insurance is important as you might have secured you and your family against any medical costs that you may incur in case of an accident.

Flight Delays and Travel Insurance

In addition to your airline being responsible to look after you in the case of a delay, some travel insurance policies also offer cover in the case of flight delays.

Flight delays: What to expect from your airline

You booked your flight and you are so excited for this trip – a trip of a lifetime, but things don’t always go as planned.

Flight overbooking: what you need to know

Always ensure you rather check in early if you have time constraints so a seat will be assigned to you and the chances of you getting bumped decrease.

Hazardous Activities Cover

Most travel insurance policies do not cover the more hazardous/extreme sports as standard so it is important to check the coverage of your policy.

How to compare travel insurance policies?

It’s always exciting to plan your trip, but finding the right travel insurance for you and your budget can take a lot of time.

How to make a travel insurance claim?

To make a claim easier we recommend that you are always thorough in your application for travel insurance especially when it comes to health and pre-existing conditions.

How to maximise your travel insurance

Taking a trip overseas can be an exciting holiday – when planning your holiday also start thinking about the must-haves you will need when buying travel insurance and add it to a list.

How to stay healthy while travelling

The last thing you need on your long overdue holiday is falling sick, but this does sometimes happen.

How to Travel with Peace of Mind

A good start would be to compare travel insurance policies using a comparison engine like Insurance Comparison.ie.

Is trip cancellation included in your travel insurance?

It’s a good idea to have travel insurance in case of an emergency or you have to cancel the trip.

Is your credit card travel insurance enough?

At Insurance Comparison we recommend you compare a range of travel policies, it’s costs, it’s excess and its benefits so you can make an informed choice

Lost your travel tickets? Here’s what you do:

Almost every airline now offers electronic tickets to replace the traditional paper tickets and what a relief.

Make sure you are covered for your next trip

Travel insurance policies could cover medical expenses, trip cancellation, lost or stolen luggage and some policies include liability cover too.

Medical costs abroad

Travel insurance is the first thing you should buy for your trip overseas so you are sure to be covered from unexpected medical costs and travel-related emergencies.

Multi Trip Travel Insurance

Before you purchase your annual travel policy make sure you know how many trips are covered, some policies cap the maximum number of days you can take per  trip and/or the maximum days you can spend abroad over the year.

Our guide on holiday cancellation insurance

Travel insurance can be purchased for a family or if you are travelling alone you would need individual travel insurance.

Our guide on medical expenses cover

Medical expenses are one of the main reasons you should consider taking out travel insurance.

Our guide on personal liability cover

Liability insurance is generally included in travel insurance policies and can cover third-party claims.

Our top 5 holiday tips!

Going on holiday is exciting but it can be extremely stressful and can start with early morning hours, long lines, busy airports, frequent flight delays and long layovers!

Over 60's Travel Insurance

Most travel policies have age limits, use a comparison engine like Insurance Comparison to compare a big range of reputably travel insurance policies and travel insurance companies so you are sure to have the best policy that best meets your needs.

Personal Accident

If you are unfortunate to have an accident abroad, having travel insurance can help in several ways.

Planning a ski holiday: what you need to know

Compare and check the difference in the cost of the lift passes to give you an idea of the costs of the resort so you can be sure to get the most for the budget you have available.

Reasons to have travel insurance

Travel insurance is the first thing you should buy for your trip overseas to give you peace of mind, should you incur unexpected medical costs and travel-related emergencies during your trip.

Single trip travel insurance

Travel insurance policies do cover your whole trip for the exact number of days you are travelling, yet the cover cancellation cover benefit  starts immediately after purchase.

Ski Travel Insurance

Nothing like the thrill of skiing and the cold fresh air while bolting down the mountain! A ski holiday offers you all the adrenaline you would need, but you need the right cover to enjoy the speed with peace of mind.

Solo travel - a must for everyone at least once

A solo adventure is something recommended for everyone at least once! But travelling alone can be lonely and scary and challenging even with all the positive press regarding travelling solo.

Stay covered with an annual travel insurance policy

Use Insurance Comparison to compare a wide range of travel insurance policies so you are sure to find the right cover for your travel needs.

Terrorism Cover when travelling

If your holiday destination city is affected by an act of terror and you can’t travel there due to airports or areas being closed travel insurance this would more than likely not be covered by standard travel

The importance of travel insurance

Travel insurance gives you the benefit to travel with peace of mind knowing that you are likely covered and won’t have crippling expenses if something does go wrong during your trip.

Travel insurance and pregnancy - what you need to know

It's important if you are pregnant to understand what you are covered for during your trip so you are not caught off guard while travelling.

Travel insurance: business and pleasure

We have compiled some points to keep in mind when you are planning on extending your business trip with some sightseeing and leisure activities.

Travel insurance for cancer patients

We do recommend that you compare insurance policies as some insurers would offer you comprehensive cover for your pre-existing condition.

What does cancellation cover actually cover?

The short answer is that travel insurance covers you in the case you're that your trip got cancelled before you depart.

What if you were to get mugged when travelling?

If you got injured during the mugging or robbery you would most likely be covered for the under your medical benefit of the travel insurance policy.

What to do if your credit card is lost or stolen on holiday

If you lost or someone has stolen your wallet and you have no other way to get cash, most MasterCard and Visa cards offer cardless cash withdrawals through your banking app.

What to pack in your carry-on luggage?

Always be sure to put all your valuables in your carry-on so you can keep track of it, remember to check the weight and size of your carry-on.

Why emergency repatriation cover is so important?

This is a type of insurance that gives coverage to travellers returning to their home country for emergency treatment or in the case of death.

Why take out travel insurance for your upcoming cruise?

Buying travel insurance can save you a lot of stress and out of pocket expenses while on a cruise – we all know that things don’t always go as planned.

Why you need travel insurance

Cover for your luggage and valuables in the case that it gets lost, stolen or damaged during your trip.

Why you should always declare your pre-existing medical conditions

Pre-existing diseases are illnesses that you have already been diagnosed for and you are aware of this illness before buying a travel insurance policy.

Why you should buy winter sports travel insurance when going skiing

It’s important to note that in most cases you would need to buy a policy extension covering wintersports to ensure you are covered while skiing.

Why you should consider baggage cover

Baggage cover is cover that can reimburse you should your baggage gets lost, stolen, damaged or even delayed.

Worldwide Travel Insurance

Worldwide travel insurance will cover you for almost every country in the world, whether it’s single-trip insurance or multi-trip insurance.

Your travel insurance checklist

Travelling to a foreign country is a thrilling adventure – but you must always ensure you are prepared for the unexpected and covered with a suitable travel insurance policy.

Multitrip Travel Insurance

• Annual Travel Insurance

Single Trip Travel Insurance

Family travel insurance.

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Travel Insurance for over 70s

Annual travel insurance from £19.99*, affordable travel insurance.

Multitrip.com offers comprehensive travel insurance, whether you're traveling for business, pleasure, or adventure. We understand that unexpected events can occur, causing disruptions and inconvenience. That's why we are here to provide you with peace of mind by protecting your travel plans at affordable prices.

Flexible choice

Whether it's a weekend trip to Europe, a backpacker holiday to Asia, or multiple trips around the world each year, you can rest assured that with Multitrip.com you will find a travel insurance policy to suit your needs.

Expert Service

We believe that everyone deserves to travel with confidence, knowing that they are backed by a reliable and trustworthy insurance provider. Our team of experienced professionals are committed to delivering a high level of service and support, providing you with the assistance you need when you need it the most.

Covid Cover

We are committed to ensuring that you are protected against any unforeseen circumstances during your travels, including those related to COVID-19 medical and cancellation. With our enhanced coverage, you can rest assured that you are in safe hands. Learn More .

Travel Insurance Reviews from Multitrip.com Customers

So helpful on the phone and easy to get travel insurance at a great price would highly recommend. John - 5 Star Review - 31 st January 2023

UK's Trusted Travel Insurance Provider

Looking for travel insurance that gives you peace of mind no matter where you are? Here are three reasons to travel with Multitrip.com:

Competitive Prices

The travel insurance we offer is not only affordable, but we also allow you to compare travel insurance benefits across the three levels of cover.

Multi-Award-Winning Provider

Multitrip.com is part of Cover-More Blue Insurance Services Limited, winner of numerous Best Travel Insurance Provider awards and Deloitte's Best Managed Companies Award.

Friendly Customer Service Team

Our customer service team is always happy to help you via phone, email and social media.

Easy Claims Process

The claims process is made as fast, simple and straight forward as possible. Liaise with an experienced team, committed to providing the highest standards of service.

Types of Travel Insurance

No matter what your travel style is, we’ve got a travel insurance type for you:

Planning a one-off trip? Whether it’s a long or short getaway, Single Trip Holiday Insurance could be the best option for you. read more >

Love travelling? Save money with Annual Travel Insurance - it covers unlimited trips, so you can holiday as much as you like. read more >

Travelling with children? Protect your family under one Multitrip Travel Insurance policy. read more >

Hitting the slopes? Add Winter Sports Cover to your policy and stay protected whether you’re skiing or snowboarding. read more >

Find affordable holiday insurance with comprehensive cover for seniors over 70s. read more >

What Does Travel Insurance Cover?

Discover six of Multitrip.com travel insurance benefits* below or explore more details here .

Cover the expenses of unused and non-refundable travel and accommodation costs in case you need to cancel or cut short your travel.

Cover financial expenses should injury, illness or death occur during your trip outside the UK.

Have 24/7 assistance should you require medical emergency abroad, repatriation or curtailment while on holiday.

Get cover against accidental loss of, theft of or damage to baggage/personal belongings.

Cover the expenses you become legally liable to pay if you cause another’s bodily injury or property damage.

Get reimbursed for the costs of travel delays if your scheduled public transportation is delayed for over 12 hours.

Cancellation or Curtailment

Medical expenses, emergency assistance, baggage & personal belongings, personal liability, delayed departure.

*Terms & Conditions apply.

Upgrade Your Travel Insurance

Planning a holiday that's unique to you? At Multitrip.com, you can include additional travel cover to suit your specific needs:

   Winter Sports

  travel disruption,   flight cancellation,   wedding,   business,   golf,   cruise connection,   excess waiver,   gadget insurance, travel insurance tips.

• Purchase your policy straight after you've booked your trip:  If you buy your holiday insurance as soon as you book your flights and accommodation, Multitrip.com travel insurance can provide cover should mishaps affect your holiday before you even leave home.
• Personalise your cover to match every inch of your itinerary:  Hitting the slopes for a snowboarding sesh? Worried volcanic activity will affect your dreamy holiday? You can protect your bespoke trip with the additional coverage options.
• Always check if exclusions relating to health apply:  Multitrip.com travel insurance does not cover claims arising from the medical conditions and contains health exclusions. Please check your policy wording.

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11 Best Travel Insurance Companies in May 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

If you don't have sufficient travel insurance coverage via your credit card , you can supplement your policies with third-party plans.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers, top credit cards with travel insurance, methodology, best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at nearly all plan levels. 

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

» Jump to the best cards with travel insurance

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Special medical insurance for ship captains and crew members, international students and missionaries.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Here is the list of travel cards offered by Chase that include various forms of travel insurance.

Having one of these in your wallet is a good start to protecting your travel investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 12 hours.

• Car rentals: Theft and collision damage for most cars in the U.S. and abroad.

• Trip cancellation: Up to $1,500 per person and $6,000 per trip.

• Trip interruption: Up to $1,500 per person and $6,000 per trip.

• Baggage delay: Up to $100 per day for three days.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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Manchester United staff have reportedly been given a week to decide whether to resign under Sir Jim Ratcliffe's plans to end working from home. Read this and the rest of today's consumer and personal finance news in the Money blog below, and leave your thoughts in the comments box.

Wednesday 29 May 2024 17:00, UK

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Whoever wins the general election, one potential headache for the new administration will be Thames Water.

The current government has already drawn up contingency plans, known as Project Timber, for the possible collapse of a company currently saddled with debt of £15.4bn.

The scenario also features strongly on a dossier of potential crises compiled by Sue Gray, Sir Keir Starmer's chief of staff, that an incoming Labour government would face.

Talk of a potential collapse has moved up the agenda because Thames Water's owners, which include the Canadian pensions giant Omers, the Universities Superannuation Scheme, a unit of the Abu Dhabi Investment Authority and the China Investment Corporation, have declined to inject more equity into the business. They had previously offered to inject a further £3.25bn, on top of £500m last year, were Ofwat, the regulator, to support the company's plans.

But Ofwat is refusing to allow Thames to raise its levels of investment and customer bills to the extent that the company is proposing . 

Thames had asked Ofwat to approve an £18.7bn investment which would have entailed a 44% average increase in customer bills over the next regulatory period due to run from 2025-30. It tweaked this submission in April to raise investment to £19.8bn during the period with no extra increase in bills.

Ofwat was due to publish its "final deliberation" on investment plans and customer bills for the entire water industry, including Thames, on 12 June but has moved it back to 11 July due to the general election.

The Guardian reported earlier this week that Ofwat is set to refuse the requests of most water companies, including Thames, with some operators being allowed to raise bills by as little as half of what they had asked for.

Such an approach is consistent with Ofwat's historic approach of keeping water bills low as its main priority rather than, for example, permitting higher investment to tackle sewage spills.

However, there are signs that Ofwat may be prepared to compromise, at least to an extent.

The Financial Times reports today that the regulator is drawing up plans for a special "recovery regime" for Thames and other financially stressed UK water companies in a bid to avoid nationalisation.

It suggests that companies with "recovery regime" status could receive fewer or no regulatory penalties to encourage them to invest in infrastructure improvements instead, as well as being given more "realistic" targets for reducing sewage and water leaks and outages.

The regulator finds itself with a dilemma. Ofwat does not want Thames to collapse, not least because such an event would intensify criticism that the regulator allowed Thames's previous owners – most notably the Australian investment bank Macquarie – to load the company with debt while extracting enormous dividends (the current investors have received no dividends since 2017).

Ofwat's ministerial overlords – of both parties – will also be aware that an administration of Thames would deter the very international investors the UK desperately needs to attract to pay for infrastructure improvements.

On the other hand, though, Ofwat does not want to face accusations that it is being unduly lenient on a company that has been badly behaved in the past.

Now, it is fair to say that Ofwat is offering an olive branch here. Only two weeks ago, it said it was "minded" to punish Thames for breaching licence conditions over a £37.5m dividend paid to shareholders in October last year (Thames points out the payment was made to Kemble Water, its parent holding company, and was necessary to maintain the latter's solvency). That could result in another fine worth tens of millions of pounds.

The big question is whether this compromise will be enough to shore up Thames's financial situation. Ofwat has fined Thames £175m during the last three years which, while being a large sum, is a relatively trifling amount set against Thames's debts.

So it probably would not be enough, of itself, to persuade Thames's owner to pump more equity into the business. Omers, the biggest single shareholder in Thames, has already written down the entire value of its 31.7% stake in the company to nothing. USS, which has more than half a million scheme members in British universities and which owns nearly 20% of Thames, has written down the value of its shareholding from £956m at the end of 2022 to just £364.4m as at the end of last year.

What today's news reveals is that there is a compromise to be reached here. The extra month before Ofwat is due to publish its draft deliberation has bought both sides a little more time.

But it feels as if, with Ofwat in no mood to back down with Thames over its proposed increase in investment and customer bills, the latter's shareholders have run out of patience.

A "special administration" of Thames – something neither Rishi Sunak or Sir Keir Starmer would want to see – still feels like the way to be betting.

NOW Broadband is raising prices by an average of £3 a month from 5 July.

The company, owned by Sky, didn't raise prices in line with inflation in April - making it somewhat of an outlier.

But the summer raise will add an average of £36 a year to customer bills.

However, the company offers a no-penalty exit option.

Sabrina Hoque, telecoms expert at Uswitch.com, said: "Another mid-contract price increase unfortunately means bigger bills for already cash-strapped consumers. 

"However, it is encouraging that NOW Broadband customers have the option to leave penalty free if they don't want to accept this change."

By Sarah Taaffe-Maguire , business reporter

The pound reached a 19-month high against the euro this morning as £1 equalled €1.1784. 

Not since late August 2022 was sterling so strong against the currency of Eurozone states. 

So if you're going on holidays to somewhere using the euro, now would be a good time to exchange pounds as you'll be getting more for your money than you would have.

Rates have come down slightly this afternoon - though are still high at €1.1746.

The pound buying more euro will mean it's cheaper for UK importers to buy goods - so some prices could come down. 

It's happening because the interest rate-setters at the European Central Bank (ECB) look set to bring rates down at their meeting next week.

Manchester United staff have reportedly been given a week to decide whether to resign under Sir Jim Ratcliffe's plans to end working from home.

The club's non-football staff were invited to take redundancy by next Wednesday in an email sent on Tuesday, The Daily Telegraph reports .

Sir Jim has taken over the day-to-day running of the club and is making it compulsory for staff to work from their offices in Manchester or London from 1 June, the paper says.

Staff who do not wish to do so can quit and are being offered early payment of an annual bonus, it added.

A United spokesman told The Daily Telegraph the move "isn't a voluntary redundancy programme". 

They added: "The club recognises that not everyone wants to work from the office full-time so has provided options for staff who don't wish to return to the office to step away now."

Sky News has contacted Manchester United for comment.

Junior doctors in England are set to strike for five days starting next month - part of a long-running dispute over pay.

The strike is set to run from 7am on 27 June to 2 July.

It means the dispute clash with the  general election campaign, with polling day on 4 July.

Read the full story here ...

Parents see personal finance as a more important life skill than maths for schoolchildren, according to new research.

A poll by Nationwide suggests the majority (89%) of parents of children aged eight to 13 think finance education would help their kids understand the value of money.

The survey of 2,000 UK adults found that personal finance even ranked above maths, digital skills and cooking as vital skills for children - coming second only to literacy.

More than eight in 10 parents (84%) said their child hadn't had any finance education at school, despite the vast majority saying it was important for children to understand money.

The top subjects parents value at school are:

• Literacy (66%)
• Personal finance (59%)
• Maths (51%)
• Cooking (41%)
• Digital skills (26%)

Personal finance was deemed the most important subject for children and young people among parents polled in Brighton, Belfast and Newcastle. 

Amanda Beech, director of retail services at Nationwide, said financial education can "help young people get to grips with the world of money". 

By Daniel Binns, business reporter

One of the big gainers on the stock market this morning is International Distributions Services, the owner of Royal Mail.

Shares in the company are up more than 3% on the FTSE 250 index after the company's board announced it had agreed to a takeover by "Czech Sphinx" Daniel Kretinsky.

Read more on that here...

While the deal is yet to be approved by shareholders and regulators, investors are clearly excited at the prospect of the £3.6bn agreement.

At the other end of the scale, online delivery firm Ocado has plunged more than 6% in early trading.

It comes after reports that it is a leading candidate to be relegated from the FTSE 100 - along with asset manager St James's Place, which is down 1.6%.

The FTSE 100 overall is down 0.2% this morning amid ongoing uncertainty over interest rate cuts in the US.

Gainers include mining firm Fresnillo and water firm United Utilities, which are both up more than 2.4%.

On the currency markets, £1 buys $1.27 US or €1.17 - similar to yesterday.

A barrel of benchmark Brent crude has climbed to almost $85 (£66.60) this morning, a rise of nearly 1%.

Spotify subscribers have the chance to nab a slightly cheaper deal after it quietly launched new plans - but you'll have to be willing to give up one thing.

If you pay for an individual, duo or family subscription, you can save up to £24 a year by switching to one of the music platform's new "basic" plans, according to Money Saving Expert .

The catch, though, is that you'll lose audiobooks. All the other benefits such as no ads, song downloads and higher-quality audio will remain for existing subscribers.

The "basic" plans are the same price as Spotify's premium options used to be before it hiked prices last month. Most of the premium plans include 15 hours a month of audiobook listening time.

Only existing Spotify subscribers can get the new basic option for now - there's no date set for when they'll become available to everyone, Money Saving Expert said.

Every Wednesday we ask Michelin chefs to pick their favourite Cheap Eats where they live and when they cook at home. This week we speak to Dave Wall, head chef at the UK's number one ranked gastropub, The Unruly Pig in Suffolk.

Hi Dave , c an you tell us your favourite places in Suffolk  where you can get a meal for two for less than £40?

Honey + Harvey . A cracking spot for breakfast, brunch or lunch. They have the most delicious coffee and a cracking full English, the vibe is super-chilled and laidback and I always feel so relaxed there.

Lark . A beautiful little independent restaurant in Bury St Edmunds with the most incredible selection of small plates and top-drawer cooking. Admittedly, I find myself spending a fair bit more than £40 at Lark because I love James Carn's cooking so much that I end up going way over the top and ordering far too many dishes.

What's your go-to cheap meal at home?

Anchovy pasta is one. I get that anchovy is often considered a Marmite ingredient. I love them, but if you are in the "hate" camp, then please bear with me, as I want to persuade you to give these versatile little wonders a second look (and perhaps not tar all anchovies with the same brush).

My recipe below uses both brown and brined anchovies. It is an easier but still utterly delicious version of the dish I've served at The Unruly Pig (which also comes with an oyster velouté). This is comfort food at its best. Buon appetito!

• 250g butter
• 70g brown anchovies (ideally Cantabrian)
• 1 clove garlic
• 30g double cream
• 25g of brined anchovies

Add all the ingredients to a pan. Bring to a slow simmer on a low heat. Once the mixture starts to boil, remove, and transfer to blender. Blend for two minutes until the mixture is well emulsified. Set aside.

Pangrattato

Three bread slices, crusts removed (staler the better)

• 1 garlic clove
• 1 lemon zest
• Pinch salt & pepper

Blend all the ingredients in food processor, making sure the crumb is fine. On a low heat, gently toast the crumbs until they become golden.

• 125 g of fresh spaghetti per person
• Grated Parmesan, brined anchovy, celery leaf to garnish 

Gently the cook the pasta in simmering boiling water, add plenty of salt to the pasta water so it tastes like sea water. Cook for 1-2 minutes - or to instructions if using dried.

Bring it all together

Meanwhile, gently heat the anchovy pasta sauce in a large pan so it becomes warm. Be careful not to boil. Once the pasta is cooked, gently remove and put it straight in to the warmed anchovy sauce. Add a splash of the pasta water to retain some of the starch (as this will help thicken your sauce).

Gently cook the pasta in the anchovy sauce until it becomes thick and creamy, and the sauce coats the pasta. Serve into a bowl and add the Parmesan, fresh anchovies and celery leaf on top.

Generously sprinkle the pasta with the golden pangrattato to add a wonderful texture and crunch.

We've spoken to lots of top chefs and bloggers - check out their cheap eats from around the country here...

Beach-goers in Cumbria have been warned they could face a fine of up to £1,000 if they remove pebbles or shells across the area.

Cumberland Council has told visitors it is unlawful to take natural materials such as sand, shells and pebbles from the beach under the Coast Protection Act.

Cumberland councillor Bob Kelly said it was important to "ensure that our beaches remain vibrant and intact for future generations".

"I understand people's reluctance to follow this guidance, as I have been a collector of shells myself. But taking a pebble or a shell from a beach can in fact damage the environment," he said.

"Pebbles and other natural matter act as a natural sea defence against coastal erosion, natural flood defences and wildlife habitats, which many experts warn has become even more of an issue due to climate change."

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