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Multi-Trip Travel Insurance

Pack extra peace of mind with our great multi-trip travel policy Get a Quote

We're Human about Insurance 

Our customers know we'll keep our promise to protect them, whether they're at home or abroad. An Post Insurance is a 100% Irish-owned company, so we understand what matters most to you.

How We Help

Real Customer Care

We're powered by people just like you, living in communities all over Ireland. While you're abroad, the Medical Emergency Assistance line is available 24 hours a day so you can get the help you need, when you need it.

Stress-Free Cover

Whether you prefer to holiday in Ireland, or go on an adventure abroad, get the peace of mind of good protection. If things go wrong while you're abroad you can rest easy knowing you will get the assistance, cover and care you need.

Pocket-Friendly Protection

We know that everybody wants to get great value travel insurance, so we offer competitive prices if you have private health insurance and a 20% online discount to help manage the cost of cover (1).

Customisable Cover

Along with great cover with a range of benefits to give you extra comfort, you can also purchase optional upgrades like excess car hire cover (2) to help you tailor your plan to suit your type of travel.

1) 20% discount based on the standard price you would receive over the phone. Applies to online annual & single policies. Receive a discounted premium if you have private medical Insurance with overseas cover.  If you have Private Health Insurance (PHI) such as VHI, Irish Life Health or Laya Healthcare, you may already be covered for an element of overseas medical treatment. We will top up the medical expenses cover as outlined in the policy document.
2) These optional extras are subject to an additional charge; it is not necessary to purchase these upgrades in order to purchase the policy. 

Features & Benefits 

If you like to take more than one holiday a year, the Annual Multi-Trip Insurance Policy is a smart choice.  It offers peace of mind and protection for you and your family at home and abroad for up 90 travel days each year (to a maximum 30 days per trip) (3).  This means you don't have to arrange a new policy every time you go abroad, so you'll have more time for researching the best beaches! 

3) 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 at a time. 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. 

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Personal Belongings and Money Cover

We offer cover for personal belongings of up to €1,500 (Single Item limit & Valuables limit is €250) and personal money of up to €500 (subject to €90 excess).

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Cancellation or Curtailment Cover

Sometimes cancelling or cutting short your trip is unavoidable. Our travel insurance will help you recoup these costs, up to €3,000. You can also get cover of up to €200 for delayed baggage.

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Medical and Emergency Assistance

Make sure you get the care you need if you fall sick or get injured. Our policies provide medical and emergency assistance while abroad, with cover for medical expenses of up to €5 million (4).

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Optional Car Hire Excess

Do you like to drive while you're on holiday? Leave your worries behind by purchasing our European Car Hire Excess Cover (2), which means you can get on with exploring, while we take care of the excess.

4)  Medical expenses are subject to €90 excess. Must be for necessary hospital, surgical or other diagnostic treatment, given or prescribed by a Doctor, and include charges for staying in a hospital or nursing home.

Please Note: For further information, you should read the Policy Document and Insurance Product Information Document (IPID) for details on all the benefits and exclusions.

BenefitDescriptionCover up to €*Exclusions
Cancellation or cutting short of your trip (subject to €90 excess)
Costs for unused travel and/or accommodation  which a Person Insured has
paid or is contracted to pay and which cannot be recovered from any other source
€3,000Not covered if you or any other person insured are aware that the holiday might have to be cancelled.
Travel DelayIf a Person Insured is delayed for at least 12 hours because the scheduled departure of a Public Conveyance is affected by a strike, industrial action, adverse weather, mechanical breakdown/derangement, or grounding of an aircraft due to mechanical or structural defect€150Must be delayed by at least 12 hours on the outbound or return journey.
Missed Departure  (subject to €90 excess)
Payment for necessary and reasonable accommodation and travel expenses to enable a Person Insured to reach his or her scheduled destination if he or she arrives too late at the airport, sea port, coach or train station to commence a booked journey from or to Ireland due to:

i.  The car he or she is using for travel breaking down or being involved in
an accident; or

ii.  The Public Conveyance he or she is using for travel failing to arrive on schedule
€500Not covered if sufficient time was not allowed for the journey or departure is missed due to heavy traffic
Delayed baggageMust be a minimum of 12 hours after arriving at your destination€200
Baggage delayed on Return Journeys

No receipts for items purchased
Personal Accident €30,000
More than €2,500 if the Person Insured is under 16 years of age at
the time of the Bodily Injury

More than one benefit for the same Bodily Injury

If death, loss or disability is to disease or any physical defect, injury or illness which existed before the Holiday.
Medical expenses (subject to €90 excess)Must be for necessary hospital, surgical or other diagnostic treatment, given or prescribed by a Doctor, and include charges for staying in a hospital or nursing home.€5,000,000
Not covered if you are travelling against the advice of a doctor, travelling to obtain medical treatment.
 
Pre-existing conditions are not covered if you cannot meet the eligibility criteria at the time of purchasing the insurance and or booking your holiday
Hospital BenefitIf a person insured is a hospital inpatient during a Holiday and has a claim under his or her Private Medical Insurance or Part III Section 5 MEDICAL AND ADDITIONAL EXPENSES, We will pay a benefit of €20 for each full 24 hours he or she spends in hospital up to a maximum of €400 for each Holiday€400Not covered in any institution not recognised as a hospital in that country
Personal belongings cover (subject to €90 excess)
(Maximum limit for any one time and valuables in total is €250 per item)
If personal property is lost, damaged or stolen during a Holiday, we will
pay repair and replacement costs up to €1,500
€1,500
Not covered if valuables are left unattended. 

Dentures, hearing aids, prescription glasses, sunglasses,
prescription sunglasses, contact or corneal lenses
Personal money cover (subject to €90 excess)Must be reported to police or hotel management and report must be received€500
A loss or theft not reported to the Police (and the hotel management if the loss or theft occurs in a hotel) within 24 hours of discovery and we
are provided with a copy of the original written Police
report and report to the hotel management as applicable
Loss of Passport/Driving LicenceMust provide copy of police/hotel management report and must have been reported within 24 hours of its’ discovery€500
A loss or theft not reported to the Police (and the hotel management if the loss or theft occurs in a hotel) within 24 hours of discovery and we
are provided with a copy of the original written Police
report and report to the hotel management as applicable
HijackThe unlawful seizure or taking control of an aircraft or other means of transport in which a Person Insured is travelling as a passenger€500Any Criminal Act
Personal Liability
We will indemnify a Person Insured against all sums which he or she is legally
liable to pay as damages in respect of:

i. Accidental bodily injury (including death illness or disease) to any person
ii.  Accidental loss of or damage to material property which occurs during the Period of Insurance arising out of the Holiday.
€2,500,000
Any wilful or malicious act
 
Liability in respect of bodily injury loss or damage caused directly or indirectly in connection with ownership, possession of, or use by
the Person Insured of:
Mechanically propelled
Vehicles, Aircraft, hovercraft,
Watercraft or Firearms
Overseas Legal Advice & Expenses €30,000Any criminal or wilful act or any claim reported 24 months after the beginning of the incident which led to the claim
Pet CareWe will reimburse the Person Insured for pet care fees incurred up to a maximum of €150 for each Holiday.€150Not covered in Ireland
Winter Sports
(Optional)
This Section is optional. It applies only if it is shown as insured on the Policy Schedule and the additional premium has been paid
 
Up to €20 for each full 24 hour period, limited to €200 where it is necessary for a person Insured to hire Winter Sports equipment for Winter Sports that is lost or broken or misplaced

Up to €75 for each full week, or a proportionate amount for shorter
or longer periods, limited to €300 to cover the value of an unused ski pass belonging to a Person Insured, and hire or tuition fees which a person insured cannot recover following an accident or illness or loss or theft of his or her ski pass

€20 for each full 24 hour period, limited to €200 if a person insured is
unable to ski because there is a lack of snow in the pre-booked resort and no alternative skiing available

Up to €100 for additional and necessary travel and accommodation costs if a person insured’s outward or return journey is delayed by an avalanche for more than 12 hours from the scheduled departure time on his or her travel ticket
€300
Not covered if claim is due to participation in competitive winter sports
 

Car Hire Excess (Optional) Bottom of Form
This Section is optional. It applies only if it is shown as insured on the policy schedule and the additional premium has been paid
 
Must be aged between 21 and 75 on date of purchase of insurance
€4,000 

Good to Know 

We've gathered together all the details you need to better understand your travel insurance options. Take a look at our FAQs and learn more about how we can help you protect what matters most to you.

If your flights are cancelled by the airline, you must contact the airline directly regarding your options.

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.

No. There are no age restrictions on our Single & Annual policies.

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.

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.

In the event of a medical emergency, you must contact Chubb Assistance on 01 440 2762.

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An Post Insurance Travel Insurance is arranged, administered and underwritten by Chubb European Group SE.