FAQs

Annual Multi Trip

• What is the maximum age limit on an Annual Multi Trip policy ?

  The maximum age limit is 75 years. (Persons 70-75 years must hold Private Health Insurance)

• What is the maximum age limit and length of any one trip on an Annual Multi Trip policy?

  19 - 65 yrs - Max duration Economy 31 days
  19 - 65 yrs - Max duration Super or Super Plus 60 days
  66 - 69 yrs - Max duration Super or Super Plus 31 days
  70 - 75 yrs - Max Duration Super or Super Plus 21 days (must hold Private Health Insurance)
  Unlimited number of trips for all age categories.
  

• How many times can I go away if I have an Annual Multi Trip policy?

  There is no restriction on the number of times you can go away during the period of this insurance on an Annual Multi Trip Insurance policy.

• Is Wintersports cover included in the price?

  On Economy and Super policies Wintersports is not included in the price however it can be included for an additional premium for persons 65 years or younger. On Super Plus policies Winterports is included in the price for persons 65 years or younger. Please note there is no Wintersports cover available for persons over 65 years.

• Can an adult/child travel separately?

  On a Multitrip cover, the named adults/spouses can travel separately/independently. Any child under 16 years is also insured to travel independently from their parents provided each child is accompanied by a responsible adult 18 years or over. Any child 16 years or over is covered to travel independently from their parents provided they are travelling on an organised school or college Trip only and with a responsible adult 18 years or over.

• What is the definition of a couple on an Annual Multi Trip policy?

  A couple can be defined as two adults who are common law partners that have been co-habiting for at least 6 months. This includes same sex couples.

• What is the definition of a family on an Annual Multi Trip policy?

  2 co-habiting adults/spouses and their dependent children under 19 years of age.

• When should I start my Annual Multi Trip policy?

  Your cover should start the day you purchase the insurance unless:
  • you have an existing policy that covers you until the cover start date you choose.
  • you have yet to book a holiday and will only do so on or after the cover start date you choose.
  You have no cover until the start date of the policy. Your cover including cancellation protection ONLY begins from the chosen start date.

• Can I extend the maximum trip duration on my Annual Multi Trip policy?

  The maximum trip duration we can offer on an Annual Multi Trip policy depends on your age and the cover level you choose. Please see ?What is the maximum age limit and length of any one trip on an Annual Multi Trip policy?? Unfortunately these trip durations cannot be extended. If you require cover for a longer period than allowed on your Annual Multi Trip then you may need to purchase a Single Trip policy to cover the entire duration.

• Will my Annual Multi Trip policy renew automatically?

  To make sure you have continuous cover under your policy, we will aim to automatically renew (auto-renew) your policy when it runs out, unless you tell us not to. Each year we will notify you 6 weeks before the renewal date of your policy, and tell you about any changes to the premium or the policy terms and conditions.
  
  If you do not want to us to auto-renew your policy, just call us on 0818 444 555, or, where available, logon to your online account and select the option to cancel the auto-renewal from the dropdown menu, otherwise we will collect the renewal premiums from your credit card or debit card.
  
  You should also note that your renewed policy will only be valid when:
  - you have told us about any changes to your policy details (including any changes in health conditions) as you will still be required to contact the medical screening company to declare any pre-existing medical conditions;
  - and your credit card or debit card details have not changed.
  
  
  In some cases we may not be able to automatically renew your policy; we will let you know at the time if this is the case. For the facilitation of the auto renewal service we will assume that your details have not changed and you have the permission of the card holder unless you inform us otherwise.

Single Trip

• What is the maximum age limit on a Single Trip policy?

  The maximum age limit is 79 years of age.

• What is the maximum age limit and duration I can take on a Single Trip policy?

  The maximum duration you can take on a Single Trip policy is:
  - 365 days for persons under 66 years (Economy)
  - 365 days for persons 69 years and under (Super and Super Plus)
  - 35 days for persons aged between 70-79 years.
  

• Can I extend my Single Trip policy for a longer duration?

  Please see "What is the maximum age and trip duration I can take on a Single Trip policy?". If your total trip duration does not exceed the maximum limit then you may be able to extend your cover. You must:
  - Contact us by telephone before your current policy expiry date
  - Contact Healthcheck (if applicable) to extend cover for previously declared pre-existing medical conditions

• What is the definition of a family on a Single Trip policy?

  2 co-habiting adults/spouses and their dependent children under 19 years of age.

• Can children under the age of 19 years travel alone?

  Yes but they must have a policy in their own name and they will be charged the full adult rate.

• When should I start/end my Single Trip policy?

  You will need to start your policy on the day that you leave to go on your trip and end it on the day you return back to the Republic of Ireland. Cover for cancellation on a Single Trip policy starts as soon as the policy is purchased.

Backpacker

• What is the age limit on the Backpacker policy?

  49 Years of age is the maximum age limit on a Backpacker policy.

• What is the maximum stopover duration allowed?

  You are entitled to spend up to 20% or 31 days, whichever is less, of the insured duration of a trip in another area. This does not include the USA and Canada. To be covered for travel to/in the USA and Canada you must have Worldwide including USA/Canada cover.

• What is covered in the Backpacker policy?

  The basic rate covers Cancellation/Curtailment of your trip as a result of an insured event, Emergency Medical and other Expenses, Baggage including Money, Missed Departure, Personal Accident, Personal Liability, Legal expenses and Holiday Abandonment. For full details of what is covered please see the Policy Summary.

• What is the total duration of Wintersports activities allowed on a Backpacker policy?

  Provided you have paid the appropriate additional premium you will be covered for up to 31 days of Wintersports activities. You may use these days in any order that you choose. Wintersports definitions and policy limits can be found on the Policy Summary.

• What is the maximum trip duration allowed on a Backpacker policy?

  We are currently able to provide a maximum of 365 days cover.

• Can I extend my Backpacker policy for a longer duration?

  If you intend on staying overseas past your policy expiry date you will need to contact us by email/telephone at least 2 weeks before your policy is due to lapse. We can, in some cases, extend cover for a maximum total trip duration of 24 months. Each individual?s circumstances will be considered by the Underwriter, who will authorise the extension.

General Questions

• What do you mean by Irish resident?

  A resident of the Republic of Ireland is someone who is permanently resident in Ireland and has been for the past six months prior to the issue date of your policy. We are unable to provide cover for anyone who is not a resident of the Republic of Ireland.

• I've left the Republic of Ireland and forgotten to get insurance. Can I still get cover with you?

  No. Travel Insurance must be purchased prior to your departure from the Republic of Ireland unless you have purchased this insurance using a Wi-Fi connection whilst travelling on an aircraft or train but before you reach your first international destination.

• What ages do I put down when getting a quote?

  Please enter your current ages. It does not matter if you have a birthday after you buy the policy; we just need your ages at the time you purchase the policy.

• What charges do I incur when buying a policy?

  We charge a €4.50 administration handling fee per policy.
  

• What charges do I incur when buying a policy over the phone?

  If you choose to book your policy through our Call Centre there is an additional €9.95 charged.

• How will I receive my policy details?

  When you purchase insurance via our website you have the option to print off your Validation Certificate (proof of insurance), Policy Wording and Insurance Product Information Document once the payment has been successfully processed. You will also receive a booking confirmation by email to the email address supplied during the booking process. The booking confirmation contains your account information and details on how you can retrieve your documentation by using the "Your Policy" login section of our website.
  
  If you wish you can also request to receive your documents by post as well as email. Please be mindful of your Environmental Impact when selecting your documents to be sent by post.
  
  If you opt to receive the text message there is a €0.99 charge. The text message contains your policy number and the Emergency Assistance telephone number.
  
  We strongly recommend you bring your Validation Certificate and Policy Wording with you when you travel.

• What should I do if I need to make a change to my policy/details?

  If you need to make a change to your policy/details you can use your on-line login. There are lots of different functionalities here. If you are unable to make the required change/upgrade please contact us on 0818 444 555 and we will be happy to assist you.

• What area do Egypt, Canary Islands, Morocco, Tunisia and Turkey come under on your policies?

  All of the above destinations would be covered on a European policy.

• What do you mean by "medical condition"?

  A "medical condition" is any disease, ilness, injury or symptom for which you (you means all persons insured on the policy) have received medical advice, treatment or medication for in the last 2 years. For furthe information, refer to the important conditions relating to health section of the Policy Wording.

• What should I do if I have a medical condition?

  If you are aware, at the time of taking out your insurance, that you or any person insured on the policy have/had: Any medical condition for which you/they are taking prescribed medication or are waiting to receive, or have received treatment (including surgery, tests or investigations) within the last 2 years then you/they must contact medical screening line on and declare your/their medical condition. The Medical Co-ordinators will be able to tell you if the medical condition can be covered.

• What is not covered in respect of medical conditions?

  Please refer to the important conditions relating to health section of the policy wording, subsection Exclusions that apply to all insured persons and exclusions that apply if a close relative or travelling companion has medical conditions.

• If cover is refused for my medical condition, am I still covered?

  If cover is refused for your medical condition, any claims relating to that medical condition will be excluded. The rest of your travel insurance cover will not be affected by this exclusion.

• Do I need to contact the medical screening line every year when my policy renews?

  Yes, you will need to contact the medical screening line each year when your policy renews to discuss cover for pre-existing medical conditions.

• What is the definition of a couple?

  A couple can be defined as two adults who are common law partners that have been co-habiting for at least 6 months. This includes same sex couples.

• What is the definition of a family?

  2 co-habiting adults/spouses and their dependent children under 19 years of age.

• What am I covered for if I am pregnant?

  You are covered under the Cancellation or Curtailment section of the policy if you become pregnant after we have sold you this policy, and you will be more than 32 weeks pregnant (or 24 weeks if you know you are having more than one baby) at the start of, or during, your trip. Or, your doctor advises that you are not fit to travel because you are suffering from complications of pregnancy and childbirth. If you will be more than 32 weeks pregnant (or 24 weeks if you know you are having more than one baby) at the start of, or during, your trip and you still choose to travel, you may not claim for cutting short your trip unless as a result of the complications of pregnancy and childbirth. For further information on complications of pregnancy and childbirth please see your Policy Wording. Subject to the above, you are also covered under the Emergency Medical and Other Expenses and Hospital Benefit section of the policy whilst overseas if there are complications of pregnancy and childbirth and medical attention is required.

• Can I cancel my holiday/trip for any reason and get all of my money back?

  No. You may receive a reimbursement if you cancel for any reason outlined in your Policy Wording. Covered reasons include, but are not limited to, such unforeseen emergencies as illness, injury or death of you, your travelling companion and/or a close relative. The cover does not include cancellation due to business obligations, change of mind or your dislike of the travel time.

• Do I need a police report for lost/stolen items?

  If you are unfortunate enough to have any lost/stolen items or belongings whilst on holiday, then you must notify the local police within 24 hours and obtain a copy of the police report.

• When should I contact the Emergency Assistance service?

  In the case of any medical emergency or the need to curtail your trip due to an insured reason please call our Emergency Assistance Team. If you have Private Health Insurance, then you must also contact them and inform them of your medical emergency. Contact details can be found in your Policy Wording.

• How do I make a claim?

  All claims must be reported to the Claims Company within 31 days or as soon as possible following an insured event. You must forward original documentation when claiming. You will also be required to forward a copy of your Validation Certificate and Policy Wording. Contact details for the Claims Company can be found in your policy Wording.

• What is an excess?

  The amount you have to pay towards the claim. In practice this is deducted from any settlement amount and is charged per person per claim.

• What should I do if I have a complaint?

  Please refer to the complaints procedure in your Policy Wording.

• What are my cancellation rights?

  You may cancel this policy within 14 days of receipt of the policy documents (new business) or for annual multi trip policies the renewal date. If you contact us within this cancellation period, you are entitled to a full refund of your travel insurance policy, provided you have not travelled, made any claims on the policy or used the policy to obtain a Visa. To cancel your travel insurance and claim your refund, you can contact us by telephone on 0818 444 555 or by email to info@annualtravelinsurance.com.

Sports and Activities

• What sports and activities are covered free of charge with Annualtravelinsurance.com?

  The policy automatically provides cover for Personal Accident and Emergency Medical Expenses for the activities listed under Grade 1 in your Policy Wording once they are conducted on an incidental basis whilst you are on holiday. See Policy Wording for full details.

• What is the difference between "Incidental" and "Non Incidental"?

  An activity done on an incidental basis means it happens randomly or casually. The activity would not be the main purpose of your trip. Non Incidental is exactly the opposite and would be pre-planned.
  Examples: "I am going on holiday and may have a go at Scuba Diving whilst I'm out there, if I can find a place that does it." - That would be participation in an activity on an 'Incidental' basis. "I am going on a specific Scuba Diving holiday, where my main intention is to Scuba Dive" - That would be participation on a 'Non Incidental' basis.

• I cannot find the sport or activity I want to do under Grade 1

  We can also provide cover for additional activities under Grade 2 - 4, subject to an additional premium. See Policy Wording for full details.

• Amateur is listed next to some of the Activities, what does this mean?

  Amateur status is listed beside such sports as running, rugby, football, surfing , tennis and Waterskiing, this means that if you intend to play these sports abroad professionally (i.e. you will be receiving a monetary reward for participation in them) there is no cover under the terms and conditions of the policy for this.

• Does Annualtravelinsurance.com cover scuba diving?

  Beginners: (This cover is provided free of charge) on an incidental basis.
  
  Scuba diving to the following depths is covered provided you are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving or training agency or organization and not diving alone:
  
  - PADI Open Water - 18 metres
  - PADI Advanced Open Water - 30 metres*
  - BSAC Ocean Diver - 20 metres
  - BSAC Sports Diver - 30 metres*
  - BSAC Dive Leader - 30 metres*
  
  
  We must agree with any equivalent qualification. If you do not hold a qualification, we will only cover you to dive to a depth of 18 metres.
  
  You will not be covered under this policy if you travel by air within 24 hours after participating in scuba diving.
  
  Advanced: (This cover is subject to Grade 2 Activities additional premium) for greater dive depths and non incidental coverage.
  
  Scuba diving to the following depths is covered provided you are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving or training agency or organization and not diving alone:
  
  - PADI Open Water - 18 metres
  - PADI Advanced Open Water - 30 metres
  - BSAC Ocean Diver - 20 metres
  - BSAC Sports Diver - 35 metres*
  - BSAC Dive Leader - 50 metres*
  
  
  We must agree with any equivalent qualification. If you do not hold a qualification, we will only cover you to dive to a depth of 18 metres.
  
  You will not be covered under this policy if you travel by air within 24 hours after participating in scuba diving.

• What is the maximum altitude allowed for trekking?

  Grade 1: max 2,000 metres altitude.
  Grade 2 (subject to additional premium): max 4,200 meters altitude.
  Grade 3 (subject to additional premium/max age 45): max 6,000 metres altitude.