does vhi cover travel insurance

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What Does VHI Travel Insurance Cover

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As a frequent traveler, I always make sure to have travel insurance before embarking on any trip. One of the insurance providers that I have found to be reliable and comprehensive is Vhi Travel Insurance.

In this article, I will share with you what Vhi Travel Insurance covers so that you can decide if it’s the right choice for your next trip. Vhi Travel Insurance offers medical coverage, trip cancellation and interruption coverage, baggage and personal belongings coverage, personal liability coverage, and additional coverage options.

With these different types of coverage available, travelers can feel secure knowing they are protected against unexpected events that may occur during their travels. Let’s dive into each type of coverage in more detail.

Table of Contents

Overview of Vhi Travel Insurance

You’re probably wondering what protection you have when you venture out of your comfort zone to explore new places. Well, let me give you an overview of what Vhi’s travel insurance can offer.

First and foremost, Vhi offers a wide range of benefits that are tailored to meet the needs and preferences of every traveler. One benefit is the 24/7 emergency assistance service that’s available worldwide. This means that wherever you are in the world, if you need help, Vhi will be there for you.

Another benefit of Vhi’s travel insurance is their customer reviews. They’ve received glowing feedback from satisfied customers who’ve experienced their services firsthand. From lost baggage to medical emergencies, customers have praised Vhi for their prompt and efficient handling of claims.

That said, while it’s important to consider these benefits and customer reviews when choosing travel insurance, it’s also crucial to pay attention to the medical coverage offered by your insurer – which we’ll delve into next.

Medical Coverage

If you fall ill or get injured during your trip, VHI has got your back with robust medical protection. Their travel insurance covers expenses such as emergency medical and dental treatment, hospital stays, prescription medication, and medical evacuation.

This means that if you need to be transported to a medical facility for treatment or evacuated home due to a serious illness or injury, VHI will cover the cost of transportation and necessary care.

It’s important to note that pre-existing conditions are covered by VHI travel insurance as long as you’ve declared them when purchasing your policy. However, coverage may be limited depending on the condition and other factors. It’s always best to check with VHI directly if you have any questions about coverage for pre-existing conditions.

Now let’s move on to the next section about trip cancellation and interruption coverage.

Trip Cancellation and Interruption Coverage

Well, well, well, looks like someone’s feeling confident about their upcoming trip. But hold on there, cowboy! Before you start packing your bags and dreaming of sandy beaches, let’s talk about the possibility of trip cancellation or interruption and how that could ruin all your plans.

Thankfully, Vhi travel insurance has got you covered with their trip cancellation and interruption coverage. If you need to cancel your trip due to a covered reason such as illness or injury, Vhi travel insurance offers a refund policy that can provide reimbursement for prepaid expenses like airfare and hotel reservations.

Additionally, if something unexpected happens during your trip that forces you to interrupt it early, Vhi travel insurance can also help cover any additional expenses incurred from returning home early. So go ahead and book that dream vacation knowing that you’re protected in case anything goes awry.

Speaking of protection, let’s now move on to the next section about baggage and personal belongings coverage.

Baggage and Personal Belongings Coverage

Let’s now delve into the topic of securing your belongings with Vhi’s baggage and personal belongings coverage. One of the biggest concerns while traveling is the possibility of losing your luggage or having it stolen. With Vhi travel insurance, you can rest assured that you’re covered for such situations.

In case your luggage gets lost or stolen during transit, Vhi will reimburse you for the value of its contents up to a certain limit. This means that you won’t lose all your money if this unfortunate event happens. To add another layer of protection, Vhi also offers theft protection coverage for your personal belongings such as camera equipment or laptops.

If any of these items get stolen while on holiday, you can file a claim and receive compensation up to a certain amount. It’s always better to be safe than sorry when it comes to protecting our valuables, especially when we’re in an unfamiliar place. With Vhi travel insurance, we can enjoy our vacation without worrying about losing our possessions.

With Vhi’s baggage and personal belongings coverage taken care of, let’s move on to discussing personal liability coverage which covers us in case we accidentally cause damage or injury to someone else while on holiday.

Personal Liability Coverage

You never know when the unexpected might happen, and that’s why personal liability coverage is a must-have for any traveler. This type of coverage protects you in case you accidentally cause harm to someone else or their property while traveling. Without it, you could face legal action and hefty expenses.

Personal liability coverage from Vhi travel insurance includes legal protection and accident compensation. In case of an incident where you are found liable for causing harm or damage, this coverage will help cover the costs associated with legal fees and settlement payments. It gives me peace of mind knowing that I am protected in case something goes wrong during my travels.

Looking for additional coverage options? Let’s dive into what else Vhi travel insurance has to offer.

Additional Coverage Options

Now that we’ve covered Personal Liability Coverage, let’s talk about some additional coverage options provided by VHI Travel Insurance.

As someone who loves adventure activities while traveling, I was happy to see that VHI offers coverage for a variety of adventurous sports such as scuba diving and bungee jumping. It’s important to note that not all adventure activities are covered under the standard policy, so be sure to check with VHI before booking any extreme excursions.

Another great option is rental car coverage. If you’re planning on renting a car during your travels, VHI can provide insurance protection in case of accidents or damages. This can save you from having to pay out-of-pocket for costly repairs or even replacement of the rental vehicle.

Overall, these additional coverage options give me peace of mind knowing that I am protected during my travels no matter what unexpected situations may arise.

Moving forward, let’s discuss how easy it is to purchase VHI Travel Insurance for your next trip.

How to Purchase Vhi Travel Insurance

Ready to travel worry-free? Here’s how you can easily purchase VHI Travel Insurance for your upcoming trip.

First, I recommend doing a comparison with other insurers to see how VHI measures up in terms of coverage and price. This will give you a good idea of what kind of plan will work best for your particular needs.

Once you’ve decided on VHI as your insurer of choice, it’s easy to purchase coverage online or over the phone. Just make sure you choose the right plan by considering factors like length of trip, destination, and any activities you plan on participating in while abroad.

With VHI Travel Insurance, you can be confident that you’ll have the protection and peace of mind you need while exploring new destinations around the world.

Frequently Asked Questions

Does vhi travel insurance cover adventure sports and activities.

I remember the time I went bungee jumping in New Zealand and how exhilarating it was. But let’s face it, adventure sports can be risky and accidents can happen.

That’s why it’s important to make sure your travel insurance covers these activities. When it comes to VHI Travel Insurance, they do offer Adventure Sports Coverage for certain activities like bungee jumping, skiing and snowboarding. However, it’s important to note that there are Insurance Policy Limitations that you should be aware of before participating in any activity.

Make sure to read the fine print carefully so you know what is covered and what isn’t. It’s always better to be safe than sorry when it comes to protecting yourself while having fun!

Will Vhi Travel Insurance cover any pre-existing medical conditions?

I recently looked into whether VHI travel insurance covers pre-existing medical conditions. Unfortunately, I found that coverage for pre-existing conditions is limited and depends on several factors, such as the severity of the condition and how stable it is at the time of travel. Additionally, coverage limits may apply.

It’s important to carefully review the policy terms and speak with a VHI representative to determine if your specific condition can be covered under their travel insurance plan.

Is there a limit to the amount of coverage for medical expenses?

Oh boy, just what I was hoping for – there’s a limit to the amount of coverage for medical expenses! But don’t worry, VHI travel insurance does have coverage limitations for medical expenses.

However, the good news is that they do offer a reimbursement process for those expenses that fall within their limits. It’s important to review your policy before traveling and familiarize yourself with any limitations or exclusions so you can fully understand what you’re covered for.

And if you do end up needing medical care while abroad, just make sure to keep all receipts and documentation to ensure a smoother reimbursement process.

Does Vhi Travel Insurance cover trip delays or missed connections?

If you’re wondering whether Vhi travel insurance covers trip delays or missed connections, the answer is yes! They offer compensation options for both situations.

If your flight is delayed for more than 12 hours due to circumstances beyond your control, you can claim up to €250 for additional expenses such as meals and accommodation.

Similarly, if you miss a connecting flight due to a delay with your initial flight, Vhi will cover any necessary expenses up to €500.

The claim process is relatively straightforward – simply submit all relevant documentation within 30 days of the incident occurring and Vhi will review your claim and provide compensation accordingly.

Are there any exclusions to the baggage and personal belongings coverage?

When it comes to Vhi travel insurance, there are some exclusions to the baggage and personal belongings coverage that you should be aware of. While this coverage can protect your items in the event they are lost, stolen, or damaged during your travels, there are limits to what is covered.

For example, high-value items such as jewelry or electronics may not be fully covered unless they’ve been declared and insured separately. Additionally, if you leave your luggage unattended or fail to take reasonable care of it, your claim may be denied.

It’s important to review the specific details of your policy to understand exactly what is and isn’t covered under this type of travel insurance.

So, that’s what Vhi Travel Insurance covers! It’s the perfect solution for those who want to travel with peace of mind.

With medical coverage, trip cancellation/interruption coverage, baggage and personal belongings coverage, and personal liability coverage all included in their standard policy, you can rest assured that you’ll be covered in case of any unexpected events.

Remember, when it comes to travel insurance there are always additional options available. If you’re planning an adventure-packed vacation or a longer stay abroad, make sure to explore the add-on packages Vhi offers.

As they say, “better safe than sorry” – so don’t hesitate to purchase your Vhi Travel Insurance today!

Meet Michael Graham, the main author of SeekTraveler.com. With a wanderlust that knows no bounds, Michael has traversed more than 30 countries across the globe. From sun-soaked Caribbean islands to the ancient marvels of Europe and the captivating charm of Japan, he has witnessed the wonders of diverse cultures firsthand. Michael’s in-depth knowledge and contagious enthusiasm for travel will inspire you to pack your bags and embark on your own extraordinary journey.

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What Does Vhi Travel Insurance Cover?

Vhi Travel Insurance provides comprehensive coverage for medical expenses and emergency medical treatment while traveling abroad. This includes hospital stays, doctor consultations, and medication costs that may arise during your trip.

Medical coverage is crucial when traveling internationally as medical expenses can be exorbitant in some countries. With Vhi Travel Insurance, you can have peace of mind knowing that you are protected and will receive the necessary medical care in case of an unforeseen illness or injury.

In case of a medical emergency, Vhi Travel Insurance provides coverage for necessary medical treatment. This includes emergency medical evacuation, where you will be transported to the nearest suitable medical facility for treatment. This could be essential if the medical facilities in your current location are inadequate to treat your condition.

Additionally, Vhi Travel Insurance covers the costs of medical repatriation, which involves transporting you back to your home country for ongoing medical treatment or recovery, if medically necessary and approved by the insurance provider.

It is important to note that pre-existing medical conditions may have certain limitations when it comes to coverage. It is advisable to disclose any pre-existing conditions when purchasing Vhi Travel Insurance so that you fully understand the extent of coverage for such conditions.

Furthermore, Vhi Travel Insurance provides 24/7 access to a helpline where you can seek medical assistance and advice. This helpline can assist you in finding the nearest medical facilities, coordinating emergency medical services, and arranging for medical payments.

Overall, Vhi Travel Insurance’s medical coverage ensures that you receive the necessary medical care and assistance while traveling abroad, offering you peace of mind and protection against unexpected medical expenses.

Vhi Travel Insurance offers coverage for travel cancellation, providing financial protection if you need to cancel or cut short your trip due to unforeseen circumstances. Life is unpredictable, and situations can arise that may force you to reschedule or cancel your travel plans. Whether it’s due to illness, injury, or unexpected events, Vhi Travel Insurance can help safeguard your finances.

Let’s say you’ve booked a dream vacation, but a few days before your departure date, you fall ill and your doctor advises against traveling. In this unfortunate circumstance, Vhi Travel Insurance can reimburse you for the non-refundable expenses you incur, such as flight tickets, accommodation, and pre-booked activities.

It’s important to review the policy wording to understand the specific coverage and limitations. Generally, travel cancellation coverage is available when the reason for cancellation falls within the policy’s defined list of acceptable events. These events typically include serious illness or injury, hospitalization, death or serious injury to a close family member, natural disasters, terrorism, and other unforeseen circumstances beyond your control.

It’s worth noting that Vhi Travel Insurance may also cover prepaid and non-refundable expenses if your trip is interrupted and you are forced to return home early. For example, if a close family member falls seriously ill and you need to cut your vacation short to be by their side, Vhi Travel Insurance may reimburse you for the unused portion of your trip, such as accommodation and activities, and help cover the costs of returning home.

When considering travel cancellation coverage, it’s important to understand the policy’s terms and conditions regarding the acceptable reasons for cancellation or interruption. It’s also important to be aware of any exclusions or limitations, as each policy may differ. Some common exclusions might include pre-existing medical conditions, self-inflicted injuries, pregnancy complications after a certain stage, and known events or circumstances at the time of purchasing the insurance.

In order to make a claim for travel cancellation or interruption, you would typically need to provide supporting documentation and evidence for the reason behind your claim. This may include medical certificates, police reports, and other relevant paperwork. Be sure to keep all documents safely and notify Vhi Travel Insurance as soon as possible to begin the claims process.

Remember, travel cancellation coverage is designed to provide you with financial protection for unexpected events that may disrupt your travel plans. By having Vhi Travel Insurance, you can have peace of mind knowing that you are covered if the unforeseen occurs.

Vhi Travel Insurance provides comprehensive coverage for your baggage and personal belongings to ensure you are protected in case of loss, theft, or damage. Whether you’re traveling for business or pleasure, having your luggage and personal items properly insured gives you peace of mind throughout your journey.

With Vhi Travel Insurance, you can say goodbye to the stress and worry of losing or having your baggage stolen. In the unfortunate event that your baggage is lost or misplaced by your airline, Vhi will cover the cost of replacing the items within certain limits. This means you can receive compensation for your essential belongings, such as clothing, toiletries, and other necessary items.

Moreover, if your baggage is stolen or damaged during your trip, Vhi Travel Insurance will also provide coverage for the cost of repairing or replacing the items. This includes not only your luggage but also personal items such as electronics, jewelry, and valuable documents. Being able to claim reimbursement for the value of these possessions ensures that you can continue your travel plans without financial burden.

Vhi’s coverage extends to a wide range of situations, including instances where your belongings are lost or damaged while in transit, in your hotel room, or even during any excursions you may take. Whether it’s accidental damage, theft, or loss, Vhi Travel Insurance offers comprehensive protection against unforeseen events, no matter where you are in the world.

It’s important to note that coverage limits may apply, so it’s advisable to check your policy documents for specific details regarding the maximum amount you can claim for lost or damaged baggage and personal belongings. Additionally, it’s recommended to keep receipts and records of your belongings when traveling, as this can help facilitate the claims process should the need arise.

In conclusion, Vhi Travel Insurance provides extensive coverage for your baggage and personal belongings while traveling. This offers you reassurance and financial protection against the unfortunate events of lost, stolen, or damaged items. So, before you embark on your next adventure, make sure to get your trip covered with Vhi Travel Insurance to ensure a worry-free journey.

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Travel Insurance Including Covid-19 Cover

Ireland's favourite travel insurance provider, when it comes to covid-19, our travel insurance has you covered.

We realise that there is a bigger need now more than ever for comprehensive and reliable travel insurance. With this in mind, we have added several Covid-19 related benefits to our travel insurance policy to allow you to travel abroad again safely and with confidence.

Covid-19 Benefits:

   medical expenses abroad covered if you are diagnosed with covid-19 abroad.,    additional travel or accommodation expenses abroad if you need to extend your stay due to a covid-19 diagnosis.,    cancellation cover if you are diagnosed with covid-19 within 14 days of departure.,    cancellation cover if you are hospitalised with covid-19 within 28 days of departure.,    cancellation cover if your travelling companion(s) are diagnosed with covid-19 within 14 days of departure.,    cancellation cover if your travelling companion(s) are hospitalised with covid-19 within 28 days of departure.,    cancellation cover if somebody you have arranged to stay with abroad is diagnosed with covid-19 within 14 days of departure.,    no cover for cancellation due to government travel restrictions or lockdown.,    you will not be covered for any covid-19 cancellation claim event occurring within 14 days of purchase., important information for covid-19 and your travel insurance.

Please check the Department of Foreign Affairs (DFA) website to ensure you are up to date on the latest travel advice relating to the area/country you are travelling to. The policy will not cover any claims if you travel to an area the Department of Foreign Affairs is advising against 'all' or 'Avoid Non-Essential Travel'.

Booking a Travel Insurance Policy

To ensure you stay protected for future trips aboard, you can book a policy by clicking here .

Travel Insurance Frequently Asked Questions

Before your trip.

If my travelling companion and I fall ill with Covid-19 at home and cannot travel, am I covered for cancellation?

Multitrip.com travel insurance policy includes cover for cancellation if you, your travelling companion or any person you have arranged to stay with during your trip receives a Covid-19 diagnosis within 14 days before the start date of the trip, or if admitted to hospital with a Covid-19 diagnosis within 28 days before the start date of the trip. You won't be covered for any Covid-19 claim events occurring within 14 days of the date you purchased insurance unless the insurance is purchased within 48 hours of booking the trip. This cover is subject to the policy terms, limits, conditions and exclusions.

If my family member is hospitalised with Covid-19 and as a result you cannot travel, am I covered for cancellation?

Multitrip.com travel insurance policies include cover for cancellation if your close relative or close business associate is admitted to hospital with a Covid-19 diagnosis at the time of the trip and/or the death of Your close relative or close business associate due to Covid-19 at the time of the Trip. You won’t be covered for any Covid-19 claim events occurring within 14 days of the date you purchased insurance unless the insurance is purchased within 48 hours of booking the trip. This cover is subject to the policy terms, limits, conditions and exclusions.

If I buy a policy now and the Department of Foreign Affairs (DFA) changes their advice on my country of destination to 'Avoid Non-Essential Travel' before my trip, am I covered for cancellation of flights and accommodation?

There is no cover for any claim related to a change in DFA advice or government lockdown.

Would travel insurance cover me if I have to cancel a holiday as I cannot restrict my movements when I return home from a foreign trip due to my job or other commitments?

No, there is no cover in this event.

How do I make a claim?

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. Please click here to find out how to make a claim

During your trip

If I fall ill with Covid-19 abroad and need medical treatment abroad, am I covered for medical expenses?

Multitrip.com travel insurance policies provide cover for emergency medical and other expenses incurred abroad if you catch Covid-19 subject to the policy terms, limits, conditions and exclusions. Please note that we will not cover Covid-19 related claims where you have travelled to an area that the Department of Foreign Affairs (DFA) has advised against all or all but essential travel. All customers and partners should refer to the Travel Advice section on the DFA's website prior to purchasing a policy and/or departure to ensure the policy provides the required cover for their trip.

If I fall ill with Covid-19 abroad and need to be repatriated to Ireland/UK, am I covered for this?

Multitrip.com travel insurance policies provide cover for emergency medical and other expenses incurred abroad if you catch Covid-19 subject to the policy terms, limits, conditions and exclusions; repatriation to Ireland/UK is covered under this section. Please note that we will not cover Covid-19 related claims where you have travelled to an area that the Department of Foreign Affairs (DFA) has advised against all or all but essential travel. All customers and partners should refer to the Travel Advice section on the DFA's website prior to purchasing a policy and/or departure to ensure the policy provides the required cover for their trip.

If I contract Covid-19 whilst on a trip (with no symptoms and incur no medical expenses) and I am denied boarding due to the positive diagnosis, am I covered for reasonable additional transport or accommodation expenses?

Multitrip.com travel insurance policies provide cover for emergency medical and other expenses incurred abroad if you catch Covid-19 subject to the policy terms, limits, conditions and exclusions. In the event of a positive diagnosis of Covid-19 abroad, the policy will cover reasonable additional transport (economy class) or accommodation expenses incurred up to the standard of your original booking if you must extend your stay up to the amount of €2,000. Please note that we will not cover Covid-19 related claims where you have travelled to an area that the Department of Foreign Affairs (DFA) has advised against all or all but essential travel. All customers and partners should refer to the Travel Advice section on the DFA's website prior to purchasing a policy and/or departure to ensure the policy provides the required cover for their trip.

If I fall ill with Covid-19 abroad and need to extend my stay as a result of it, incurring additional costs, is it covered?

Multitrip.com travel insurance policies provide cover for emergency medical and other expenses incurred abroad if you catch Covid-19 subject to the policy terms, limits, conditions and exclusions. This section also provides cover for any reasonable additional transport (economy class) or accommodation expenses incurred, up to the standard of your original booking, if it is medically necessary for you to stay beyond your scheduled return date up to the amount of €2,000. Please note that we will not cover Covid-19 related claims where you have travelled to an area that the Department of Foreign Affairs (DFA) has advised against all or all but essential travel. All customers and partners should refer to the Travel Advice section on the DFA's website prior to purchasing a policy and/or departure to ensure the policy provides the required cover for their trip.

If I am diagnosed with Covid-19 whilst on my trip and must self-isolate in my accommodation, can I claim for any cancelled excursions?

Multitrip.com travel insurance policies include cover for your irrecoverable unused pre-paid charges (including sports, concert and entertainment tickets), which you have paid or are contracted to pay, only if you receive a Covid-19 diagnosis within 14 days of the start date of your trip. This cover is subject to the policy terms, limits, conditions and exclusions.

If I need to curtail my trip as a close relative has passed away from Covid-19, am I covered for curtailment?

Multitrip.com travel insurance policies include cover for curtailment in the event your close relative or close business associate is admitted to hospital with a Covid-19 diagnosis at the time of the trip and/or the death of your close relative or close business associate due to Covid-19 at the time of the trip. A special condition of this cover is that the insured customer must contact our Emergency Assistance Service whilst away to seek approval before returning home. Please see definition of close relative contained within the policy wording.

If I buy a policy now and the Department of Foreign Affairs (DFA) changes their advice on my country of destination to 'Avoid Non-Essential Travel' while I am away on my trip, what am I covered for?

Multitrip.com travel insurance policies will continue to cover you up to the limits on your policy until you return home, even if DFA advice changes to 'Avoid Non-Essential Travel' while you are abroad.

Travel Insurance Reviews from Multitrip.com Customers

So helpful on the phone and easy to get travel insurance at a great price would highly recommend. John - 5 Star Review - 31 st January 2023

What Does Travel Insurance Cover?

Discover six of Multitrip.com's travel insurance benefits below* or explore more details here .

Cover the expenses of unused and irrecoverable travel and accommodation costs in case you need to cancel or cut short your travel.

Cover financial expenses should injury, illness or death occur during your trip outside Ireland.

Have 24/7 assistance should you require medical emergency abroad, repatriation or curtailment while on holiday.

Get cover against accidental loss of, theft of or damage to baggage/personal belongings.

Cover the expenses you become legally liable to pay if you cause another's bodily injury or property damage.

Get reimbursed for the costs of travel delays if your scheduled public transportation is delayed for over 12 hours.

Cancellation or Curtailment

Medical expenses, emergency assistance, baggage & personal belongings, personal liability, delayed departure.

*Terms & Conditions apply.

Why Choose Multitrip.com?

No matter what holiday or trip you have planned abroad, we will help you to stay protected. Whether it's a single trip to Europe, a backpacker trip to Asia, or multiple trips around the world each year, you can rest assured that we have a Travel Insurance policy to suit your needs.

Multitrip cover from just €19.95

We are the only insurance provider offering 2 year multitrip travel insurance in Ireland.

Optional Travel Disruption Cover

You can opt to choose additional travel disruption cover to protect your trip against such things like adverse weather conditions.

Get instant online Travel Insurance Cover

Our booking process can be completed in just four easy steps.

Kids Go Free

Kids Go Free on Annual Family Policies

Premier Plus Policy Extras

Our Premier Plus policy automatically includes Excess Waiver and Winter Sports cover*

Local Claims Adjuster in Ireland

In the event you need to make a claim you will be dealing with a claims adjuster based in Ireland

Super Competitive Prices

In addition to affordable Travel Insurance , Multitrip.com provides up to three levels of cover and a full range of discounts and benefits.

Easy Claims Process

The claims process is made as fast, simple and straight forward as possible. Liaise with an experienced team, committed to providing the highest standards of service.

Award Winning Travel Insurance Provider

Multitrip.com is part of Cover-More Blue Insurance Services Limited, winner of numerous Best Travel Insurance Provider awards and Deloitte's Best Managed Companies Award.

Expert Friendly Customer Service

Our Customer Service team can be reached via phone, email and social media. FAQs also available.

I’m emigrating. What should I do about health insurance?

Ask the experts: is it better to get a policy in canada, or an international one from an irish insurer.

While you’re out of the country, age loadings may still apply on your return to Ireland if you cancel your domestic cover while you’re away. Photograph: iStock

I’m emigrating to Canada for work next month. I am keeping an open mind about how long I will stay, but it will be at least for a year or two. I have been paying private health insurance with VHI through a company scheme with my existing job, but I will be leaving that job before moving to Canada. Can you advise on my health insurance options? Would I be better off applying for insurance in Canada, or on an international policy from an Irish insurer? I am 33 and conscious of the community rating rules kicking in if I decide to return to live in Ireland in a few years. Thanks.

[  totalhealthcover.ie  ]

Unfortunately, there is no straightforward answer to this question. Yes, you can take out cover in Canada but this will not be recognised when you return to Ireland, which means you will be treated as a brand new member and subject to the normal joining waiting periods.

I recommend you contact VHI International as they have a number of options for those working abroad for an extended period of time. The advantage with VHI International is that you can transfer seamlessly from your domestic cover to the international plan and then back to the domestic policy on your return to Ireland with no break in cover.

Unfortunately, this type of international cover is currently not available from Laya Healthcare or Irish Life Health. There are other insurers in the market providing this type of international cover such as Allianz Worldwide Care and BUPA International, but there is no guarantee the health insurers in Ireland will recognise this cover for the purpose of waiving waiting periods on your return to Ireland.

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For many people, the international cover option might be too expensive especially for those travelling to the US. For those who might only be abroad for a year or two, it might be possible to take out a backpacker policy which will cover the full duration of the trip; these tend to be less expensive than full international cover. However, health insurers in Ireland will not recognise the time spent on one of these policies, and many people leave their domestic insurance in place so they don’t have to re-serve waiting periods on their return.

The other point to note is that while you’re out of the country, age loadings may still apply on your return to Ireland if you cancel your domestic cover while you’re away. For example, if you leave the country when you are 34 and return at age 44, a 10-year age loading will apply which is equivalent to 20 per cent extra on the cost of your health insurance. Under the current rules, even if you have good international cover while you’re away, this doesn’t exempt you from the charge. However, you get full credit for time already insured with VHI and the other insurers in Ireland which will reduce or potentially eliminate any age loading.

In summary, if you’re going on a short trip, make sure you have standard travel insurance. If it’s an extended trip of 12-14 months, a backpacker policy might be sufficient but you may also need to leave your private health insurance in place to protect your waiting periods. If it’s an extended trip, then full international cover through the likes of VHI International would be recommended.

If emigrating long-term, it may be better taking out full cover in whatever country you’re moving to and making interim arrangements to ensure you’re covered until such time this is in place.

Have a query for our panel of experts about emigrating, life abroad or moving home? Email them to [email protected]. This column is a reader service and is not intended to replace professional advice.We regret that only queries selected for publication will be answered.

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Understanding What Travel Insurance Covers

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• Travel insurance is intended to cover risks and financial losses associated with traveling.
• Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
• When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Overview of Travel Insurance Coverage

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

What does travel insurance cover?

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellation and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

What does credit card travel insurance cover?

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

• Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
• Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
• Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
• Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
• Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
• Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
• Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
• Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex , for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

What travel insurance coverage do you need to pay more for?

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide on the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Choosing the right travel insurance

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

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What does travel insurance cover frequently asked questions

Does travel insurance cover trip cancellations due to a pandemic like covid-19.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Are sports injuries covered under travel insurance?

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Can travel insurance provide coverage for travel advisories or warnings?

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

How does travel insurance handle emergency medical evacuations?

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Are lost or stolen passports covered by travel insurance?

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

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