Travel Insurance Frequently Asked Questions

Q. Can individuals on a family policy travel separately?

A. The parent/s or guardian/s can travel separately on this policy, all children living at home and in full time education under 23 must travel with one or both parents on the same policy to be covered.

Q. Are trips within my country of residence covered?

A. On the Annual Multi-trip policy, travel within your country of residence (Ireland and UK only) is covered provided you have 2 or more nights pre-booked accommodation (i.e. in a hotel etc) and you travel more than 50 miles from your home.

Q. How come skiing is not mentioned in Hazardous Activities cover?

A. Guided cross country skiing, heli skiing, mono skiing, off-piste skiing or snowboarding, recreational racing, ski blading, skiing, snow boarding and snow sledging are all included in the Winter sports option on single trip, annual multi-trip and ski single trip options.

Q. I want to buy travel insurance but have a pre-existing medical condition. What do I do?

A. You should take out the policy and (If your home is in ROI) then phone Inter Group Assistance (091 745 851), if your home is in the UK or Northern Ireland then use the following number (0870 739 3839), quoting your Policy No. They may impose an additional premium or some restrictions. If you are not happy with these conditions, you have the option to cancel the policy within 14 days of inception. (Remember the person with the medical condition must make the call or a guardian in case of a minor).

Q. I'm going to Australia for a year but have not sought Hazardous Activity cover. What if I decide I want to do a bungee jump - am I covered?

A. The policy covers you automatically at no additional premium for a number of acceptable sports and leisure activities, as detailed on page 4 of the policy wording. You are covered to bungee jump up to 3 times, as well as being covered for a number of other activities. If you are taking part in any additional activities than those listed under the acceptable sports and leisure activities section then a premium loading may apply.

Q. I am trying to get a quote for myself and my spouse. Is the price quoted for each of us individually or both of us together?

A. The quote given is directly related to the information you entered. Therefore, if you entered details for yourself and your spouse, then the quote is for both of you together

Q. I am 17 now but will be 18 at the time my trip commences. What age should i enter when purchasing policy?

A. You should enter your age at the time of buying the cover for an annual policy and the age at time of travel when purchasing a single trip.