Travel

Introduction

How would you cope if you had to be hospitalised after an ILLNESS / ACCIDENT whilst abroad?

Without travel cover, private hospitals abroad will seek payment details before admitting you for treatment.

Most travel policies cover up to €5 million for Medical, Repatriation and other Additional Expenses incurred whilst abroad. They include other benefits as well but the Medical Expense benefit is by far the most important component of your cover.

It doesn’t matter where you’re going or for how long - Never Travel without proper Travel Cove!.

Am I not covered by my HEALTH INSURANCE?

Many policies include a benefit known as “Emergency Medical Cover Whilst Abroad” usually to a value of €55,000 - €100,000 for each trip. This is to cover hospital admissions (not out-patient or A&E treatment) following an accident or emergency up to the limit on the policy.
It is absolutely not a substitute for proper travel insurance cover.

Most travel insurers will give you a further discount if you have the above cover on your health insurance policy. What they’re doing is making the health insurer liable for the first portion of any claim which means lower risk for them and lower cost for you.

TREAD CAREFULLY:

If you claim this discount, make sure you don’t switch your health insurance to a policy with no cover abroad or cancel your cover altogether. If in any doubt, always contact your travel insurer to check your cover before travelling abroad.

European Health Insurance Card (EHIC)

Is the European Health Insurance Card (EHIC) not adequate?

No. It’s advisable to bring this with you but it is not a substitute for travel cover. It’s designed to cover public hospital treatment only.

Click here for full details on the European Health Insurance Card (EHIC)

Please make sure you understand the terms and conditions of your policy especially; Policy Excesses / Pre-Existing Conditions / Maximum Trip Duration / Policy Exclusions / Hazardous Activities / Health Insurance Discounts. This travel cover is provided by Blue Insurances Ltd who are regulated by the Central Bank of Ireland. We receive a referral commission payment from Blue Insurance for business placed with them. However at all times, you will be a customer of Blue Insurance Ltd and you must deal directly with them on all matters relating to your cover. Always ensure that any cover selected matches your specific requirements and check all aspects of your cover prior to travelling abroad.