Do you have any trips planned for the coming months?
If not, it’s time to get planning.
If you’ve already started to plan your trip, have you thought about travel insurance yet?
Travel insurance in Ireland can be quite complex to understand and many people will struggle to assess the major differences between different insurance providers and plans.
With that in mind, here is a full breakdown of how to find the best travel Insurance? what does travel insurance cover? and the different types available?
Let’s start with first.
How do I find the best travel insurance?
There are many different travel insurance providers on the Irish market.
This makes it quite confusing when trying to find the best travel insurance in Ireland.
Some of the most popular travel insurance providers in Ireland include AA, Ace, Allianz, Bank of Ireland and Aviva travel insurance.
Depending on which travel insurance provider you select, you can expect to pay approximately between 4% and 10% of your total pre-paid trip costs on a travel insurance plan.
As you can see, this represents only a fraction of the total cost of your vacation but may prove to save you potentially thousands of Euro should you need to make a claim.
As prices and plans can vary so much, it is a good idea to use an inclusive comparison tool such as the one offered by Ucompare.
By using Ucompare, you can easily find the best price available on cheap travel insurance across the various insurance providers in Ireland.
This allows you to clearly compare the different policies and prices in order for you to make the most informed decision possible.
Compare travel insurance in Ireland today at Ucompare.ie and see how much money and time you can save.
Let’s Look at the other Important things before you buy your best travel Insurance.
Understanding Travel Insurance
Travel insurance is an absolute essential when going on vacation.
It is cover that will protect you should you run into any difficulties while abroad.
Insurance is like saving for a rainy day.
Although it is not guaranteed that you will fall into difficulties while travelling, your travel insurance will be there to help you if you do.
If you have no protection, you will be forced to fork out large amounts of unforeseen costs that you may not have budgeted for.
This can lead to a lot of stress, especially if you cannot afford the cost of emergency assistance.
Moral of the story: it is always better to be safe than sorry.
So be sure to organise travel insurance in Ireland in advance when planning for your upcoming trips.
What does travel insurance cover?
The main areas covered by a typical travel insurance policy are medical cover, trip cancellation, delayed flights, baggage loss, and even various accidents that could occur.
As a standard guide, the following should always be included in a good travel insurance policy:
* Cancellation of flights or trip;
* Sudden illness leading to trip cancellation;
* Natural disaster or political conflict at your destination threatening safety;
* Emergency evacuation or repatriation;
* 24/7 emergency services assistance;
* Financial protection if the company you are travelling or staying with goes bankrupt before or during your trip;
* Lost, damaged or stolen personal items such as jewellery, baggage, documents, certain electronics, etc.
It is important to look for a travel insurance policy that has large medical expenses cover.
Most good companies will offer protection up to the value of €100,000 for medical costs overseas.
Ensure to look out for this as a minimum when searching for the best travel insurance available in Ireland for your holiday overseas.
Healthcare is too important of an issue to mess around with. It is also important to understand that healthcare in other countries may not be as cheap as it is at home, so you must take this all into account when searching for the best cheap travel insurance policy.
There are often options to add on other various types of protection as extras.
For example, you will not be covered for accidents sustained due to participation in extreme sports such as skiing or snowboarding as a standard.
You will need to upgrade your travel insurance policy with an extreme sports add-on when inquiring about your travel insurance plan.
Is it safe to travel without travel insurance?
No, it is neither safe nor recommended to travel without travel insurance. The reasons for this are the following:
* You will have no protection whatsoever should your trip or flights be cancelled, other than certain support which may or may not is offered by your airline;
* If you need emergency medical aid you will need to pay the full bill upfront by yourself;
* If your most valued or important items have been stolen or lost, you will need to cover the costs of replacement alone.
Although you could take the risk of having no travel insurance policy, you must understand that you will have to fork out hefty fees to cover the cost of any incident that could potentially ruin your trip.
The costs involved in the replacement of personal goods or rebooking of flights could be extortionate.
What are the different types of travel insurance in Ireland?
The three key types of travel insurance in Ireland are
Single trip Travel Insurance
Multi-trip Travel Insurance
Backpackers travel insurance.
Single trip travel insurance offers protection for just one trip abroad. It can be designed specifically with this trip’s requirements in mind, so can offer flexibility in terms of add-ons.
However, it works out much cheaper to opt for a multi trip travel insurance policy if you travel more regularly than once or twice per year. An annual insurance policy will cover you for all trips made within the year and ends up saving you a lot of money if you are an avid traveller.
Lastly, backpacker travel insurance Ireland will cover you for trips abroad for periods of over 3 months and can extend up to a maximum of 2 years.
This type of travel insurance is specifically for people going to travel the world for a longer period of time.
However, if you are looking to move permanently to another country you will need to seek different insurance from a provider in the local area.
Hope this guide will help you to get the best travel insurance.
Travel safely with peace of mind this Summer with the help of Ucompare.