Travel Insurance FAQs

The maximum age limit is 86 years. The maximum duration of any one trip is 45 days for our Gold policy & 60 days for our Platinum policy. For persons aged 66 years & over the maximum trip duration is limited to 31 days.

There is no restriction on the number of times you can travel abroad during the period of an Annual Multi Trip Insurance policy.

Winter Sports are covered as standard on our Platinum policy & can be added to our Gold policy for an additional premium.

Everyone on an Annual Multi Trip policy is entitled to travel independently, but children under 18 who travel alone must be dropped off and picked up by a responsible adult aged over 21.

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.

The definition of a family on an Annual Multi Trip policy is two co-habiting adults/spouses and their dependent children under 18 years of age.

Unfortunately trip durations cannot be extended. 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 duration of any one trip on an Annual Multi Trip policy?”.

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 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 us to auto-renew your policy, just email us at info@insuremyholiday.ie, otherwise we will collect the renewal premium 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 MAWDY assistance agency helpline on 091-560631 to declare any pre-existing medical conditions
• Your credit card or debit card details have not changed

The maximum age limit for Single Trip Travel Insurance is 86 years of age. The maximum duration of a single trip is up to 365 days if you are aged 65 or under or 31 days if you are aged 66 & over.

You cannot extend the duration of the Single Trip Travel Insurance policy you have already purchased. The period of insurance is automatically extended for the period of the delay in the event that your return to Ireland is unavoidably delayed due to an event insured by this policy.

The definition of a family on a Single Trip Travel Insurance policy is two co-habiting adults/spouses and their dependent children under 18 years of age.

You should start your Single Trip Travel Insurance 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.

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.

No. Travel Insurance must be purchased prior to your departure from the Republic of Ireland.

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.

When you purchase insurance you have the option to print off your Validation Certificate (proof of insurance) and Policy Wording 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. We strongly recommend you bring your Validation Certificate and Policy Wording with you when you travel.

If you need to make a change to your policy/details you can use your online login where you can make the majority of the required changes. If you are unable to make the required change/upgrade please contact Insuremyholiday.ie by emailing info@insuremyholiday.ie and we will be happy to assist you.

These destinations are covered by our European Insurance policy.

A “pre-existing medical condition” is any condition for which you or your travelling companion has received medical advice, treatment or medication for in the last 3 years. For further information, please see below or your Policy Wording.

If you are aware, at the time of taking out your insurance, that you or a travelling companion 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 3 years then you/they must contact MAWDY on 091-560631 and declare your/their medical condition. The medical team will be able to advise you if the condition is covered.

If cover is refused for your pre-existing medical condition, we will only exclude any claims relating to that medical condition. The rest of your travel insurance cover will not be affected by this exclusion.

If, at the time of taking out your insurance, you were not aware of the condition or receiving any treatment (including surgery, tests or investigations) for your condition then you will not need to declare this to medical team until your policy is due for renewal.

Yes, you will need to contact them each year when your policy renews to discuss cover for pre-existing medical conditions. The contact number is 091-560631.

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.

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.

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.

All claims must be reported to our Claims Department 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 Department can be found in your Policy Summary.

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.

If you wish to make a complaint about a claim, please contact Customer Relations team at MAWDY, in writing to: MAWDY Travel Claims, Ireland Assist House, 22-26 Prospect Hill, Galway or by telephone on 091-560631.

Once you have purchased your travel insurance, subject to the condition detailed in the note below, you are entitled to a 14 day cooling-off period. If you contact us within this cooling-off period, you are entitled to a full refund of your travel insurance policy, provided you have not travelled or made any claims on the policy. To cancel your travel insurance and claim your refund, you can contact us by email at info@insuremyholiday.ie.

Insuremyholiday.ie will not cover any sport or activity considered to be dangerous unless included in the list below. We also will not cover any sport undertaken professionally.

Grade 1

• Archery (amateur)
• Badminton (amateur)
• Baseball (amateur)
• Basketball (amateur)
• Beach Games
• Bungee Jump (1)
• Camel/Elephant Riding
• Canoeing (up to Grade 3)
• Clay Pigeon Shooting
• Cricket (amateur)
• Cycling (other than specified)
• Dinghy Sailing
• Fell Walking
• Fencing
• Fishing
• Football (amateur)
• GAA Football (amateur)
• Golf (amateur)
• Hiking (under 2,000 metres altitude)
• Hockey (amateur)
• Horse Riding (up to 7 days)
• Ice Skating (rink)
• Jet Boating
• Jet Skiing
• Jogging
• Manual Work (bar and restaurant, waitress, waiter, chalet maids, au pair & nannies and occasional light manual work including retail work and fruit picking but excluding the use of power tools and machinery)
• Marathon Running (amateur)
• Motorcycling up to 125cc (wearing a crash helmet, no racing)
• Netball (amateur)
• Non-manual work (including professional administrative or clerical duties only)
• Orienteering
• Outward Bound Pursuits
• Paintballing
• Parascending (over water)
• Pony Trekking
• Quad biking up to 50cc (wearing a crash helmet, no racing)
• Racquetball
• Rambling
• River Canoeing (up to Grade 3)
• Roller Skating
• Roller Blading
• Rounders
• Rowing
• Running – sprint/long distance (amateur)
• Safari (Ireland/UK organised)
• Sail Boarding
• Sailing within territorial waters
• Scuba Diving* down to 30 metres if qualified and not diving alone or accompanied by a qualified instructor * see the specific question regarding Scuba Diving
• Skateboarding
• Snorkelling
• Squash (amateur)
• Surfing (amateur, under 14 days)
• Tennis (amateur)
• Tour Operator Safari
• Track Events
• Trekking (under 2,000 metres altitude)
• Volleyball (amateur)
• War Games
• Water Polo (amateur)
• Water skiing (amateur)
• White Water Rafting (Grade 1 to 3)
• Windsurfing (amateur)
• Yachting (racing/crewing inside territorial waters)

See Additional Hazardous Activities below in higher grades. If you still can’t find your activity listed, please contact us at info@insuremyholiday.ie.

Hazardous Activities – Grade 2 (subject to additional premium)
50% loading to cover all activities or €30 per activity.

You can be covered under Section 2 – Emergency Medical Expenses, Section 5 – Personal Accident and Section 8– Student Loans sections for the following activities provides that the activity is on an Incidental basis (unless stated otherwise below) and subject to an additional premium being paid and shown on the validation certificate.

• Boxing Training (no contact)
• Bungee Jump (up to 3 additional jumps)
• Black Water Rafting (Grade 1 to 4, life jacket and Helmet must be worn)
• Camel/Elephant Riding/Trekking (non Incidental)
• Cycle Touring
• Go Karting (specific use)
• Horse Riding (no Polo, Hunting Jumping)
• Hot Air Ballooning (non Incidental)
• Hurling (amateur)
• Jet Skiing (non Incidental)
• Martial Arts (training only)
• Mountain Biking
• Parascending (over water, non Incidental)
• Rambling/Trekking between 2,001m and 4,200m
• Safari (non-Ireland/UK organised)
• Scuba Diving* (non Incidental/down to 50m) if qualified and not diving alone or accompanied by a qualified instructor (see notes below)
• Sea Canoeing
• Sea Fishing (non Incidental)
• Surfing (amateur)
• Tandem Skydive (up to 2 jumps maximum)
• Triathlon
• White Water Rafting (Grade 4)
• Water-skiing/Windsurfing/Snorkelling (non Incidental)

Hazardous Activities – Grade 3 (subject to additional premium)
100% loading to cover all activities or €75 per activity.

You can be covered under Section 2 – Emergency Medical Expenses, Section 5 – Personal Accident and Section 8– Student Loans sections for the following activities provides that the activity is on an Incidental basis (unless stated otherwise below) and subject to an additional premium being paid and shown on the validation certificate.

• Abseiling
• American Football (amateur)
• Gliding
• Kayaking
• Motorcycling (with a motorcycle licence, over 50cc wearing a crash helmet – no racing)
• Paragliding
• Rambling/Trekking between 4,201m and 6,000m (professionally organised with experienced operators – max age 45 years)
• Rugby (amateur competition)
• Sand Yachting
• Yachting (racing/crewing) outside territorial waters

Hazardous Activities – Grade 4 (subject to additional premium)
200% loading to cover all activities or €100 per activity

You can be covered under Section B – Emergency Medical Expenses and Section D – Personal Accident sections for the following activities provides that the activity is on an Incidental basis (unless stated otherwise below) and subject to an additional premium being paid and shown on the validation certificate.

• Hand Gliding
• High Diving under 5m (amateur, excluding cliff diving)
• Horse Jumping (no Polo, Hunting)
• Micro Lighting
• Parasailing
• Rock Climbing (under 2,000m)
• Rock Scrambling (under 4,000m)
• Canyoning
• Kite Surfing

Amateur status is listed beside such sports as running, rugby, football, surfing, tennis and water-skiing, 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.