Travel Insurance for Ireland

It's a Long Way to Tipperary. Make Sure You're Protected Along the Way. Compare Travel Insurance for Ireland

From rolling green hills to rollicking nights out in a traditional Irish pub, there’s a huge range of exciting things to see and do in the Emerald Isle. But if you’re planning a trip to Ireland, just like any other overseas adventure, it’s important to take out travel insurance cover. This offers financial protection against an extensive range of common travel risks and allows you to travel to Ireland with confidence.

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Do I Need Travel Insurance When if I'm Going to Ireland?

Ireland is not considered an especially dangerous country, with the Department of Foreign Affairs and Trade only advising that travellers to the region exercise normal safety precautions. In addition, Australia and Ireland have a Reciprocal Health Care Agreement in place, which means that the cost of your essential medical treatment while travelling in Ireland will be covered. Reciprocal Health Care Agreement's are limited in the protection they provide and some services that might not be covered include:

  • ambulance cover
  • dental
  • elective treatment
  • funerals
  • medical evacuation to your home country
  • treatment that has been prearranged before arrival in Australia
  • treatment that is not immediately necessary.

Combined with Ireland’s reputation as a safe and stable country, has lead some travellers to falsely believe that they don’t need insurance cover for their Irish holiday. However, this is a mistake.

No matter where you travel in the world, things can go wrong. Flights get delayed, airlines lose luggage, items get stolen and accidents happen. In addition, the health agreement in place with Ireland does not cover unlimited medical expenses, nor does it provide cover for any pre-existing conditions. With this in mind, travel insurance is something you should consider for every trip you take.

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What’s Covered by Travel Insurance for Ireland?

  • Overseas medical expenses. Ambulance, medical, hospital and emergency dental bills you incur in Ireland are covered. If required, you’ll also be covered for medical repatriation back to Australia.
  • Luggage and personal effects. This key benefit provides financial protection when your luggage and personal belongings are stolen, lost or damaged. You’ll be covered either for their repair or their replacement.
  • Luggage delay. When an airline or transport provider misplaces your luggage, you’ll be granted an allowance to buy emergency toiletries and clothes.
  • Cancellation fees and lost deposits. If circumstances beyond your control force you to cancel your trip, such as the illness of a family member, you’ll be covered for the cost of any cancellation fees you incur and non-refundable pre-paid deposits.
  • Travel delay. When your prepaid transport is delayed for more than a minimum period of time, your travel insurance Ireland policy will reimburse you for the cost of meals, transfers and accommodation that results.
  • Theft of cash. When thieves steal cash from your person, the amount of money stolen (up to a certain limit) will be reimbursed.
  • Travel documents. The cost of replacing lost or stolen travel documents is included in your policy.
  • Personal liability. When you face claims of liability for causing injury or property damage to a third party, your policy will provide cover.
  • Rental vehicle insurance excess. The expensive rental vehicle excess charged when your rental car is crashed, damaged or stolen can be a nightmare for many travellers. Travel insurance covers the cost of that excess.
  • Other benefits. Many policies will also provide an Accidental Death and Total and Permanent Disability Benefit for injuries suffered during your journey.

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What’s not covered by travel insurance for Ireland?

Your Irish travel insurance policy will typically not cover your claim if:

  • You leave your belongings unattended in a public place. You need to take reasonable care to prevent or reduce any loss you may suffer.
  • It results from you being under the influence of drugs or alcohol, except those prescribed by your medical practitioner.
  • It relates to your involvement in an adventure activity like bungee jumping or parasailing. However, there are specialist policies available that do provide coverage for adventure sports.
  • You visit a region which the Australian Government has issued a travel advisory warning against visiting.
  • You do not comply with local laws, regulations or road rules.
  • It is a result of you engaging in criminal activity.
  • Your claim is for a pre-existing condition which you failed to inform your insurer about when applying for a policy.
  • Your trip takes place in the third trimester of your pregnancy and you then experience complications.
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Things To Do in Ireland

  • Celebrate St Patrick’s Day. Where better to celebrate this annual day of drinking and debauchery than Dublin?
  • Marvel at the historic sites and monuments of the Boyne Palace. This World Heritage site features graves dating back some 5,000 years and is a truly fascinating place.
  • Drive the Ring of Kerry. This scenic route takes in everything from ancient castles to peaceful villages, rugged coastline and spectacular greenery.
  • Killarney National Park. From breathtaking mountain passes to abundant natural wildlife, this beautiful national park is home to plenty of the natural scenery for which Ireland is famous.
  • Head to Galway. Harsh coastline, windswept plains and fantastic pubs - there’s a lot to like about a visit to Galway.
  • Explore the Giant’s Causeway. Technically it’s in Northern Ireland, but this geological wonder really does have to be seen in person to be fully comprehended.
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Ireland Entry and Exit

Entry and exit for Australians travelling to Ireland is usually quite easy to manage. You’ll need a valid work permit if you wish to work during your time in Ireland, while you’ll also need to declare your funds when entering and leaving if you are carrying EUR10,000 or more. Finally, it’s important to make sure that you have at least six months of validity remaining on your passport following your planned date of return to Australia.

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Already Overseas And Need Travel Insurance?

Some people forget to take out travel insurance cover before they arrive overseas. However, while this is not ideal, you can still take out travel insurance protection if you have already arrived in Ireland. These types of policies usually offer the same cover as an ordinary travel insurance policy, including cover for overseas medical expenses, cancellation fees and lost deposits, travel delay, lost or stolen luggage and much more.

However, you will have to satisfy certain eligibility requirements to take out such a policy. As an example, some companies will need you to have departed from Australia and be planning to return to Australia.

You may also have to serve a waiting period before your cover comes into force, while many policies will set an upper age limit of 65 or 70 years. In addition, taking out cover when you’re already overseas means it’s often not possible to have any pre-existing medical conditions included in your policy.

Although insurance is often not something you want to spend much time thinking about when planning your dream Irish holiday, taking out insurance protection before you leave can save you a whole lot of hassle in the future. However, when shopping for any kind of insurance, it’s important to compare your options and do plenty of research to ensure you end up with the right level of cover for your needs.

Who do I contact in an emergency?

If you find yourself in an emergency in Ireland, some of helpful contacts include:

    • You travel insurer. You insurance provider will have an 24/7 helpline for claims and medical emergencies.
    • National emergency hotline. You can reach this service by dialing 911.
    • Australian Embassies and Consulates. You can find the contact details of Australian Embassies and Consulates in Ireland below.

Six steps to comparing travel insurance for Ireland

When selecting the level of travel insurance you will need, ask yourself these five questions:

  • 1. Where in Ireland are you going? Understand that civil demonstrations and protests in Northern Ireland could disrupt your travel plans.
  • 2. How many times will you go to Ireland this year? Decide on single trip or annual multi-trip cover
  • 3. What activities in Ireland will you take part in? If you plan on horse riding in Westport make sure your insurance policy covers this activity.
  • 4. Are you taking valuable items? Consider extra cover for expensive cameras and electronics
  • 5. Do you have any medical conditions? Make you declare any pre-existing medical conditions and pay for any extra cover necessary
  • 6. Do you prefer paying more upfront or only when you have to clam? Look at both the price of the policy and excess required for claims.

Compare Travel Insurance Policies for Ireland

*$25 price based on a single traveller 18 years of age on a 5 day trip

Richard Laycock

Richard is the senior insurance writer at and is on a mission to make insurance easier to understand.

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