Travel Insurance FAQs
We've gathered all the details you need to better understand your insurance options. Take a look at our FAQs and learn more about how we can help you get the cover you deserve at the price you prefer.
Travel insurance is designed to protect your health, belongings and the cost of your trip
If your flight is cancelled and you choose to be re-routed as soon as possible, then you are entitled to meals and refreshments, hotel accommodation and transfers between the airport and hotel as required. If the airline does not provide these, and you end up paying yourself, keep the receipts - you are entitled to a reimbursement of reasonable expenses.
NB. A five-star hotel may not be a reasonable expense!
Bear in mind that if your flight is cancelled and you choose a full refund, then the airline's obligations to you end there and then.
Financial compensation from the Air Carrier depends on the flight length and the reason for the cancellation. It differs to care and assistance obligations (as outlined above), and generally ranges from €250 (short-haul, less than 1,500km) to €600 (long-haul, over 3,500km).
Several scenarios can impact on compensation rights.
1) If you receive less than seven days’ notice of cancellation and choose to be re-routed as soon as possible (i.e. see option 1 under question 11 above), you will NOT be entitled to compensation - provided your new flights depart within one hour of the original departure and land within two hours of the original arrival.
2) If you receive between seven days and two weeks’ notice of cancellation, provided you choose to be re-routed and are facilitated with a new flight that departs no more than two hours before the original departure time and arrives no more than four hours after the original arrival time, you are NOT entitled to compensation.
3) If you receive notification of two weeks or more, you will NOT be entitled to compensation - provided, of course, that the airline offers full re-routing or refund options.
NB. If the air carrier can prove the cancellation was due to extraordinary circumstances, then you may NOT be entitled to compensation. However, you are still due a refund or re-routing.
For up to date information on your rights, please go to www.flightrights.ie
In the event of a cancellation or delay, airlines are obliged to inform passengers of their options. If this happens at the airport, staff will usually be on hand to talk you through the various scenarios. Otherwise, the quickest option is to check your carrier's website. It should include the steps to process your own refunds or bookings.
If your flights are cancelled by the airline, you must contact the airline directly regarding your options.
If your flight is cancelled for any reason, and regardless of when you are notified, your airline must offer you the choice between:
1) Re-routing as soon as possible, subject to availability, free of charge.
2) Re-routing at a later date.
3) A full refund.
If you believe compensation is due, then the first step is to formally contact the airline or travel provider. If you're not satisfied with its response, then you can escalate by contacting the National Enforcement Body - which, in most cases for Irish passengers, is the Commission for Aviation Regulation (01 661-1700; www.flightrights.ie).
Before you buy a policy, we ask you to confirm that you are NOT
Receiving or on a waiting list for treatment in a hospital or nursing home;
Waiting for investigation or referral, or the results of any investigation, medical treatment or surgical procedure, for any condition, whether diagnosed or un-diagnosed;
Choosing not to take prescribed medication, or the correct dose of prescribed medicine;
Travelling against the advice of a medically qualified doctor;
Travelling to obtain medical, dental or cosmetic treatment;
Travelling with a terminal condition;
If you can confirm these and the other statements we ask you to confirm, you can buy our cover online.
“Pre-existing condition” refers to injury, sickness, disease, illness or other medical condition that you knew about or should have known about before you bought this insurance.
No. There are no age restrictions on our Single & Annual policies.
You can insure your partner if they are
Aged over 18, of either sex, who you have been living with for at least three months as if you were married or in a civil partnership.
The age a person insured must be to class as a child is under 18 (or under 23 if still in full-time education) on the day you buy your policy, and dependent on you or your partner whether they live with you or not. But there are restrictions on their ability to travel without you or your partner.
On all products children receive the same benefits as adults, apart from the Bodily Injury benefit, which We will not pay More than €2,500 if the Person Insured is under 16 years of age at the time of the Bodily Injury.
No, children can travel without the policy holder/parents, but only if you have bought our annual policy. If the child is named on your annual policy they are covered whilst they are travelling on their own in the following circumstances:
In the company of an adult (i.e. someone not defined as a child under this insurance) you or your partner know other than on an organised school, college or university trip
Travelling on a scheduled air service as an unaccompanied minor, but only if that air service operates an unaccompanied minor scheme, and only if they are travelling with the intention of joining, or being subsequently joined by, another adult insured under the policy.
They are not covered whilst travelling on their own in any other circumstances.
Yes, however, if you are travelling between 28 and 35 weeks pregnant you must obtain a written confirmation from a doctor of your fitness to travel no earlier than 5 days prior to the outbound travel date.
No, you have to be a resident of the Republic of Ireland for at least 180 days prior to the date the cover is applied for.
Yes. To protect your own interests you should purchase travel insurance cover at the same time you purchase your travel package. You can buy it at a later date but it will not cover events which have already occurred.
Enter the start date of your trip and for the return date, enter the day you will arrive at your final destination.
As soon as your credit card details have been validated, we will confirm your cover on screen, and to the email address you have provided. You can also choose to get an SMS with cover details to your mobile. Provided you have your policy number, emergency number and claims number, you have all the basic information you need.
Although you do not need to carry your travel insurance policy document with you for cover to operate, we recommend that you bring it with you every time you travel. It is a particularly important document as among other things it provides you with details on what to do in the event of a medical emergency. In addition, some foreign medical providers may wish to see documentation before they will agree to treat you.
No. You may receive a reimbursement if you cancel for any reason outlined in your travel insurance policy document. Covered reasons include, but are not limited to, such unforeseen emergencies as illness, injury or death of you, or your travelling companion and/or a relative. The cover does not include cancellation due to business obligations, change of mind or your dislike of the travel time.
If you are buying a single trip policy, your cancellation cover begins instantly. If you are buying an annual policy, you can choose when your cover begins (up to 180 days in the future). If you have already booked a holiday, and have no other travel insurance arrangements in place, you should ensure your policy starts immediately, so you are covered for cancellation.
It is not possible for us to list everything you will not be covered for, and we strongly advise you to read the full Policy Wording. Under each section of cover you will find a list of exclusions, and a further list of General Exclusions in the Policy Wording. These sections must not be read in isolation, but within the context of the full policy wording. If you have any doubts about what is not covered, please contact us.
The maximum amount we will pay for any one item, pair or set of items is €250. Please refer to the definition of pair or set of items of your policy document for more information.
No, our policies are for trips devoted entirely to pleasure, rest, or relaxation, where travel begins and ends in Ireland.
Yes, provided you have bought an annual policy. You must spend at least two nights in accommodation you booked before your departure. So a weekend break involving two nights in a hotel would be covered, but a day out and overnight stop wouldn't. If you have bought a single trip policy you will not be covered for holidays in the Republic of Ireland. Whichever policy you buy, some benefits are not payable for holidays in the Republic of Ireland. See the Policy Wording for full details.
No, in order to purchase travel insurance you must have the intention of returning to Ireland as a resident, however, we also over a backpacker policy which will cover a person insured up to 13 months abroad.
Yes, our travel insurance does not cover any trip in, to or through the following countries;
Cuba, Iran, Syria, North Korea, North Sudan and Crimea.
Europe is defined as the continent of Europe west of the Ural Mountains including its neighbouring islands and non-European countries bordering the Mediterranean (excluding Algeria, Lebanon, Libya, Israel and Jordan).
The maximum length under Single Trip is 30 days.
An Annual Multi trip policy offers cover for up to 90 days travel in the year, but no holiday can be longer than 30 days. With an Annual Multi-Trip policy, you can also be covered for holidays in Ireland provided that you spend at least two nights in accommodation you booked before your departure.
If you require Winter Sports cover you need to add this extension to your travel insurance policy by ticking the appropriate box and paying the additional premium.
In the event of a medical emergency, you must contact Chubb Assistance on 01 440 2762.
Any occurrence or loss which may give rise to a claim should be advised immediately to OSG Travel Claims, Merrion Hall, Strand Road, Dublin 4. Telephone: 1890 940 011.
Most sections of your insurance have an excess where you have to contribute a certain amount per claim. The excess for each claim is €90.
Customers must redeem and avail of their Free Travel Insurance within 6 months of the date on which the Promotional Code is generated.