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Claiming is easy with Vhi Healthcare

Fast track your everyday medical expense claims with Snap & Send in MyVhi and Vhi App

Healthcare that pays!

Am i covered.

How to claim

• Additional info.

You can find out quickly and easily what you are covered for by taking a  comprehensive look at your plan. You can do this by simply logging in to MyVhi, selecting the documents section and opening your Table of Benefits document.

Cover for specific procedures

You can check if you are covered for a specific procedure in a treatment centre. 

To do this, log in to MyVhi and select 'Cover Check'. 

Looking for a clinic or consultant?

You can find ways below, to check the hospital and medical centres covered on your plan, and consultants available to you. You can also view our Directory of Hospitals and Treatment Centres .

Where am I covered?

Vhi's Facility Finder helps you find approved public or private hospitals, MRI centres, Oncology CT scan centres and more, quickly and easily.

To do this, select your plan from a list of options, choose the facility type i.e. DEXA Scan and the county so you can get the care you need in your chosen location. 

Directory of Consultants

You can find a list of consultants working in specialist areas, and where they're based. This can be used by members, GPs for referral for example, and others.

Access this directory using any or all of the following: consultant's surname, speciality (choose from a list) and hospital (list also). 

Help centre

If you would like more information on how to submit a claim, or to discuss an existing claim, get in touch.

How to submit a claim

• First, select the care you wish to claim for below i.e. maternity or scans. 
• If you do not know what benefits are covered on your plan or the level of cover, choose the 'Am I covered' tab for details. 
• You can use Snap & Send to claim for everyday care. You will find an easy, step-by-step guide further down the page on this. Other methods of claiming are applicable to dental, travel, life/mortgage and other claims - just select the relevant tile below for details.

Find details on how to claim for inpatient stays.

Everyday claims

Claiming for GP, physio and everyday care is quick and easy with Snap & Send.

You can focus on what matters with our straightforward maternity claiming options.

MRI and other scans

Details on how to claim for scans like MRI, CT, DEXA and PET-CT. 

Cover abroad

Information on how to claim for emergency care abroad and elective treatment.

Claim any time, any where with an online claiming portal. 

Vhi International

Details on how to claim for medical care and non-medical services.

You can keep smiling, as we pay the dentist directly once they're part of our dental network.

Vhi Life and Mortgage

Find details on how to claim for terminal illness, if you're unable to work or death claims. 

Forms for all other claims

Find forms from A - Z for 'Appliance claims' to Manual Lymph Drainage. 

Claim for everyday medical expenses with Snap & Send

Claim anytime from any device, anywhere in 4 easy steps in MyVhi or Vhi App.

Log in to MyVhi to start using Snap & Send

Upload images of receipts to claim your everyday medical expenses

Complete a short form with some details about each receipt

Review and submit your claim. That's it, you're done!

Download Vhi App

Claiming your medical expenses - additional information

Once your claim has been reviewed and paid, you can view your statements online in MyVhi. 

Often times, submitting a claim can raise more questions than answers. That's why we've put together information on our most frequently asked questions. And, if you feel you may have encountered a fraudulant claim, you will find details on what to do next below. 

Claim statements

You can view your claim statements in MyVhi. Just log in and select the claims section. 

If I have a hospital stay, will I pay an excess? 

Yes, if your chosen plan has a hospital excess, you will pay this on admission.

An excess is a portion of the claim that you must pay, and we pay the balance or amount you’re covered for. For example, if you have full cover for an overnight stay in a semi-private room in hospital, but there is an excess of €75 per hospital stay, then you will pay €75 and we will pay the rest. We have an information page on excess, if you would like to learn more about this. Excess cannot be claimed back from Vhi.

If you are interested in finding out about tax relief from Revenue for medical expenses, you will find this on their medical insurance premiums page .

Will I receive a claim statement for my child?

Yes. Benefit Claim Statements for dependants (U18) are issued to the policy holder for paid claims. Depending on your chosen method of contact with us, this is either posted to you or made available online. The online version can be viewed in the documents section of your MyVhi account. 

Are hospitals in Northern Ireland covered?

Yes, a limited number of hospitals in the region are covered. To see if a hospital is covered, you can check our hospital directory .

Are consultants’ fees in NI covered?

Consultants’ fees are partially covered, depending on your plan. To avail of this, you will need to pay directly and claim back, provided you attend the consultant in a Vhi approved hospital. We are billed directly for any hospital charges.

Do I need to pay for out-patient tests on the day?

Yes. Certain tests like radiology, diagnostics and pathology are paid for at the appointment.

Depending on your plan, you can claim all, or part of this back in your member account MyVhi or Vhi App. If you would like to find out what you are covered for, you can do this by logging in to MyVhi and choosing the ‘Document’ section. Here you will find a comprehensive view of your benefits in the Table of Benefits document. 

Vhi need further information on my claim. How can I submit this?

You can email this information to: [email protected] . Remember to include your policy number and claim or case number. You will find this in your member account, MyVhi in the ‘My Details’ section. This will be sent to the claims team.

Does the day to day excess apply to everyone on the policy?

Yes, excess is applicable per person, per policy year for eligible benefits. Excess is paid once per policy year for each named member on the policy. If you would like to find out more about excess, you can access our excess information page .

Are A&E charges covered?

Public hospitals

Yes, benefit towards this can be claimed on some plans. You can check your plan benefits in MyVhi. Simply log in to your account, select the ‘Documents’ section, then open the Table of Benefits document.

Private hospitals

You can claim some benefit back on this (depending on your plan), as the claim is assessed under your day to day medical expense benefits i.e. radiology, diagnostics and pathology. Note, your receipt will need to include a breakdown of charges.

You can submit the claim using Snap & Send in MyVhi or Vhi App.

To make a claim, do I need to submit anything other than a receipt?

No, but the receipt must contain the following details:

·         Your name

·         Date you received the treatment/service

·         Treatment provided

·         Practitioner name and details

Note, all practitioners must be registered with the appropriate bodies, as per our Terms and Conditions.

If you are posting in your claim, you will need to send us the original receipts, so please be advised that you will not receive these back.

Do you issue End of Year Statements?

No. End of Year Statements are not issued. If you wish to make a claim with Revenue , your Vhi Benefit Claim Statement will be accepted. You can find details of your past claims in your MyVhi member’s account. Simply log in to MyVhi and select the ‘Claims’ section.

Can I claim anything back if I attend a centre that isn’t on the approved list?

Yes, you may claim back on the professional fee. This means that if you get an X-ray in a facility that is not on our approved list, you can claim for the radiographer’s fee, but the charge for the unapproved centre is not covered i.e. the use of the X-ray machine.

It is important in this instance that your receipt contains a breakdown of the charges.

You can search through our list of relevant bodies in our Terms and Conditions .

If you need further help with this, you can send us a message on webchat or call us on 056 444 4444. Our lines are open Monday to Friday, 8am to 7pm and Saturday 9am to 3pm.

What is the waiting period for maternity?

If you are a new member, or if you have changed health insurance provider, there may be a 52 week waiting period. This applies if you are a private or semi-private maternity patient. If you need further help with this, you can send us a message on webchat or call us on 056 444 4444. Our lines are open Monday to Friday, 8am to 7pm and Saturday 9am to 3pm.

As a private patient, can I claim anything back on my consultant’s fee?

Yes, in some instances, depending on your plan. This is also called pre and post-natal fees. You can find details on these benefits in MyVhi. Simply log in, select the documents section and open the Table of Benefits. Please note, this is not the same benefit as your routine everyday visits with a surgeon or Consultant.

Am I covered for a private room?

Yes, if this is on your plan. Check your benefits in MyVhi. Simply log in, select the documents section and open the Table of Benefits. You will find this information in the hospital accommodation section. You can check if the hospital you are attending is covered i.e. on our approved list of hospitals in our Directory of Hospitals and Treatments Centres .

Once you have confirmed cover, this then depends on availability within the medical facility.

What other maternity benefits are available?

There may be some additional maternity benefits you can claim under your policy. These benefits are plan specific and are always per pregnancy, rather than renewal period. This means they can only be used once per pregnancy. Simply log in, select the documents section and open the Table of Benefits. If you are a public patient, you can still avail of the Maternity and Baby Bundle , if this is covered on your plan.

You can claim these benefits using Snap & Send in MyVhi or Vhi App.

Am I covered for maternity care if I’m on holidays?

There is no cover for routine maternity/pregnancy abroad. Nor can you claim back on routine maternity or pregnancy related conditions such as scans, X-rays, blood tests, consultations and delivery if they’re carried out outside Ireland. This is listed in the exclusions section of your rules book Terms and Conditions . 

Cover abroad benefit on your health plan

Can I claim for everyday benefits abroad?

Everyday claims that you are eligible to claim for here, can also be used abroad. The medical practitioner i.e. GP needs to be registered with the equivalent of the accredited body in Ireland. You can claim as you would for these benefits here, through Snap & Send in MyVhi or Vhi App.

If I have an accident or emergency abroad, am I covered?

If you are involved in an accident or suddenly become unwell, there is cover for emergency treatment abroad on many plans of up to €65,000/€100,000.

This is called ‘Assist’ care and is available 24 hours a day. You should contact Vhi Assist before you receive any medical treatment. In the event of an emergency or where you are physically unable to make the call, you should appoint a relative to call for you. You won't have to pay any bills upfront as we will arrange for approved hospital treatment to be paid to the hospital directly, up to the amount you are covered for.

You can call ‘Assist’ on:

+353 1 448 24 44 (Worldwide excl. USA & Canada)

1800 364 9022 (USA and Canada)

Can I have a planned procedure abroad? 

Most Vhi plans include a level of cover for elective (planned) treatment during a temporary stay abroad. This may be a procedure currently available or not available in Ireland. This is subject to your waiting periods. The treatment must be:

1.       Recommended by an Irish based consultant.

2.       Approved by Vhi's prior approvals team before travelling.

3.       Considered to be a proven form of treatment and must meet specific criteria.

Your consultant must submit a ' Treatment Abroad Applications Form ' to [email protected]

Cover outside Ireland is outlined in detail in the Rules, Terms and Conditions of Membership under Rule 6. Benefit is not payable for all treatments and a full list of exclusions is available Terms and Conditions .

Are other expenses abroad covered?

There may be some cover towards outpatient expenses abroad under a pay and claim back basis as per the Terms and Conditions of your plan.

In relation to transport costs for treatment abroad, there is no cover towards flights, transport or transfers when having planned treatment abroad.

MRIs are not covered abroad, either directly or on a pay and claim back basis. Other exclusions may also apply. Always check your rule book in conjunction with your policy. 

I would like to make a claim?

You can submit a claim 24/7 online with Vhi MultiTrip travel claims portal . This link will bring you to the external site of our underwriters, who manage this portal to make claiming fast and simple.  You can also claim with Vhi App, which you can download to your mobile phone.  An immediate decision is available for certain claims. 

Claiming information

The claiming portal is separate to your MyVhi account. You can submit and review your claims here, but no policy details are available on it. If you would like to view your policy details like terms, conditions, limitations or exclusions, select the ‘Document’ section in MyVhi .

It is important to note that Snap & Send cannot be used to claim for MultiTrip.

You can also register your claim over the phone on 046 9077358 . Phone lines are open Monday to Friday from 8am – 6pm and 8am – 4pm on Saturday.

I am abroad and have a medical emergency. What should I do?

You can call the relevant number below for assistance:

·         1800 364 9022 for USA and Canada (toll free)

·         +353 1 448 2444 for the rest of world (collect calls accepted)

Care in this instance is provided by a third party called ‘Assist Cover’. It is recommended to contact the Assist team prior to receiving any medical treatment, or appoint a relative to do so.

How it works

When you take out a MultiTrip policy with us, you must also hold private medical insurance. You cannot purchase MultiTrip without this in place. This should provide emergency cover of up to €65,000 when you are away. If you have an accident or emergency abroad, your private medical insurance is used initially up to the value of €65,000 or whatever your plan permits, and for costs beyond this, your Vhi MultiTrip policy is activated. 

Can I get help with a non-medical query?

Yes. For assistance queries while you are away, and claims queries upon your return, you can call our MultiTrip Travel Helpline on: +353 46 9077358. Phone lines are open Monday to Friday from 8am – 6pm and 8am – 4pm on Saturday.

Or you can email: [email protected]

International

How can I submit a claim?

You can submit a claim online with this dedicated Vhi International claims portal . This link will bring you to the external site of our underwriters, who manage this  portal  to make claiming fast and simple. You will need to fill in your details and information on the claim. This includes: policy number, date of birth, bank account details for payment, invoice and other details to ensure the claim can be accurately assessed.

The claims portal is not connected in any way to MyVhi, where you can check your benefits and membership details.

You can speak to a member of our travel claims team on 046 907 7377. Phone lines are open Monday to Friday from 8am – 6pm and 8am – 4pm on Saturday.

Can I use Snap & Send? 

No. Snap & Send cannot be used to claim on our International plans. This method of claiming can only be used on our domestic health plans to claim for everyday benefits like GP visits.

An   online portal  is provided by our underwriters to make claiming fast and simple.

Here, you need to provide your details and information on the claim such as your policy number, date of birth, bank account details for payment, the invoice and other information pertinent to the claim to ensure it can be accurately assessed.

You can also speak to a member of our travel claims team on 046 907 7377. Phone lines are open Monday to Friday from 8am – 6pm and 8am – 4pm on Saturday.

I am returning to Ireland - am I covered when I’m home ?

Vhi International may cover you, depending on whether you are returning temporarily or permanently to Ireland.

Temporary return

Your Vhi International health plan provides medical cover for up to 179 days per policy year, when you return home.

Permanent return

If you are staying more than 179 days in Ireland or are not planning to return abroad in the foreseeable future, it is recommended you purchase a domestic health insurance plan. You can get a quote with our Plan Finder .

Vhi International plan provides health insurance cover to Irish residents who are travelling, studying or working abroad for more than six months.

If you have any further queries, you can call our travel team on 046 907 7377, Monday to Friday from 8am – 6pm and Saturday from 8am – 4pm.

I have a pre-planned procedure abroad. Do I need to do anything else?

Yes. You should call us on 046 907 7377, as far in advance of the procedure as possible. The team will discuss the treatment process with you. You can call us on 046 907 7377, Monday to Friday from 8am – 6pm and Saturday from 8am – 4pm.

Am I covered to travel to another country outside of my country of residence?

Yes, travel cover is automatically included on your plan for countries within your chosen area, i.e. Europe, worldwide excluding US & Caribbean or worldwide. This may include cover for personal accidents, travel cancellation/curtailment, travel delays and more.

You can check benefits and limitations on your Table of Benefits document and Terms of Conditions in MyVhi under the ‘Documents’ section.

I have a dental policy. How can I claim for dental work ?

If you have attended a dentist and paid in full at your appointment, then you can submit a claim with this dental claims portal . Our underwriters provide this to make claiming easy. You will need to log in or register . If registering, you will need your policy number.

The dental portal is not your MyVhi account so the email and password you use for this, will not allow you to log in on the dental portal. You can find your policy number in MyVhi .

If you would rather not claim, then you can attend a dentist who is part of our dental network . The dentists here bill us directly so you only pay the balance, if there is one. For example…

Patricia needs a filling:

• Cover = 60%
• Patricia pays €32 at her appointment. The dentist bills us directly for €48.

Note, you will need your policy number when booking your appointment. 

What is Vhi Dental Network and can I check if my dentist is on it?

This is a list of dentists nationwide who have agreed to bill us directly for treatment. So rather than paying the entire bill upfront, you just pay the amount that your plan doesn’t cover. For example, if you get a filling and Vhi covers 70% of the cost, you will pay only the remaining 30% to your dentist.

You can search through our Vhi Dental Network to see if your dentist is listed or find one in your area.

If you would like to check your dental benefits, simply log in to your MyVhi member’s account and select the ‘Documents’ section. Here, you will find your ‘Table of Benefits’ document which provides a comprehensive view of your cover. 

What happens if my dentist isn’t on the Vhi Dental Network ?

If your dentist isn’t part of our network, you pay in full at your appointment and then claim back. The quickest and easiest way to do this is by submitting your claim online.

Our underwriters provide an online portal to make claiming easy. This is available for submitting claims only and will not display any information regarding your benefits. You will need to log in or register . If registering, have your policy number to hand. This is not your MyVhi account so the email and password you use for this, will not allow you to log in on the dental portal.

Here is an example of how it works:

Marian attends a dentist who isn’t in the dental network. She needs some root canal work on a tooth.

• Cost = €700
• Cover = 50%

Marian pays €700 to the dentist. She goes home and creates an account on the dental portal , as she hasn’t used it to claim before. She then submits the details of her claim, including her policy number, receipt, treatment details and her bank account. Later, she receives €350 into her bank account.

If you would like to check out your dental benefits, simply log in to MyVhi , select the documents section and here, you will find a document entitled ‘Table of Benefits’. This will provide a comprehensive view of your benefits.

If I have already registered for MyVhi, do I need to register separately to make a dental claim ?

Yes. The dental claiming portal is completely separate to your MyVhi member’s portal and you therefore, need to use a different password/email combination to that used for your MyVhi account.

The dental claiming portal allows members to make dental claims only. It does not provide any membership details like benefit information. MyVhi holds all other information relating to your membership, including a comprehensive breakdown of your benefits.

Our underwriters provide this dental claiming portal . You will need to log in or register/create an account (if you haven’t used this before) here to submit your claim. 

Who do I contact if I have a claims query ?

If you have a query about a claim, you can contact our dedicated Vhi dental claims team on 046 9077 337 or email us on: [email protected] . All dental claims are handled by Collinson Insurance Services Europe Ltd (CISEL).

Life and Mortgage

You can find more details on this on our Life and Mortgage claims page .

Can I make a claim for X-rays and Ultrasound scans?

To be eligible for a claim, the scan must be carried out by a consultant radiologist in a Vhi approved out-patient centre. You can check the medical centres covered on our Facility Finder .

You will need to pay upfront and claim back after, using Snap & Send in MyVhi or Vhi App. Simply select 'Radiology' as the treatment category.

If you attend a Vhi 360 Health Centre/SwiftCare, you will need to pay an excess on the day, and the Centre will bill us directly.

If you would like to check your cover, simply log in to your MyVhi member’s account and select the ‘Documents’ section. Here, a document called a ‘Table of Benefits’ provides a breakdown of your benefits.

Are CT and Dexa Scans covered?

Yes, depending on your plan.

Many medical facilities have an agreement to bill us directly. This is called a ‘direct pay’ centre. If you choose a centre with this agreement in place, then you won’t need to worry about the bills.

You can check our ‘ Facility Finder ’ for a list of direct pay facilities. You simply complete the direct payment form when attending for your scan.

If you attend a facility that does not have this in place i.e. a direct pay facility, then you will need to pay upfront and claim back after your scan using Snap & Send. 

In order to claim full benefit on this, you should attend a Vhi approved medical facility . If you attend a centre that is not on the approved list, you can claim for the professional benefit i.e. radiologist using Snap & Send, once the receipt has a breakdown of the care provided.

If you would like to check your cover, log in to your MyVhi member’s account and select the ‘Documents’ section. Here, a document called a ‘Table of Benefits’ provides a breakdown of your benefits.

Do you cover Mammograms?

Yes, depending on your plan. First, you need to ensure that you have a referral from a GP or Consultant for this.

Many medical facilities have an agreement to bill us directly. This is called a ‘direct pay’ centre. If you choose a centre who has this agreement in place, then you won’t need to worry about the bills. You can check our ‘ Facility Finder ’ for a list of direct pay facilities. On many plans, one mammogram is fully covered and paid directly to the approved centre per renewal year. You simply complete the direct payment form when attending for your scan.

Pay and claim back

If you attend a facility that does not bill us directly, you will need to pay upfront and claim back after your scan using Snap & Send. In order to claim benefit on this, you will need to attend a Vhi approved medical facility .

If you attend a centre that is not on the approved list, you can claim for the professional benefit i.e. radiologist using Snap & Send, once the receipt has a breakdown of the care provided.

Do you provide cover for an MRI?

Yes, depending on your plan. First, you need to ensure the following are in place:

• You must be referred by a Consultant or GP.
• You must attend an approved MRI centre.
• The clinical indicator must be one that is approved by us.

Many medical facilities have an agreement to bill us directly. This is called a ‘direct pay’ centre. If you choose a centre who has this agreement in place and you have the applicable referral, then you won’t need to worry about the bills. You can check our ‘ Facility Finder ’ for a list of direct pay facilities.

If you attend a facility that does not have a direct pay agreement in place, then you will need to pay upfront and claim back after your scan on the eligible benefits. A €125 excess applies to all pay and clam back MRI claims. To claim benefit on this, you will need to attend a Vhi approved MRI centre . 

To claim back you must complete a  non-direct MRI claim form .

Can I claim for a PET-CT scan?

Yes, depending on your plan. All approved PET centres have an agreement to bill us directly. This is called a ‘direct pay’ centre. You will find a list of approved centres in our Directory of Hospitals .

Your Consultant will submit an application on your behalf outlining the detail required.

Claims are subject to the following criteria:

• All scans must be prior approved.
• You must be referred by a Consultant.
• PET-CT is carried out in a PET_CT centre covered by your plan, and specified in our PET-CT directory.
• The PET-CT scan is carried out for an approved clinical indicator.

All other claim

Is urgent care covered in Vhi 360 or SwiftCare?

Yes, it is on most plans, but you will have to pay an excess. If there is no cover for this on your plan, you can still attend as a Vhi member and use this on an outpatient basis. This means you will need to pay upfront and claim back using Snap & Send later.

To find out what cover you have on your plan for this, log in to MyVhi , select the documents section and open the Table of Benefits.

Can I claim anything back on medical and surgical appliances?

Yes, many of our plans provide some cover toward this. You simply print, fill and post the Appliance Claim Form to us. In most cases, you will need to pay upfront and then submit the claim to us.

To find out what cover you have on your plan for this, log in to  MyVhi , select the 'Documents' section and open the Table of Benefits item.

If you need further help with this, send us a message on webchat or call us on 056 444 4444. Our lines are open Monday to Friday, 8am to 7pm and Saturday 9am to 3pm.

There may be an excess to be met on medical and surgical appliances and they may be subject to payment conditions which can all be discussed with our advisors.

Can I claim for convalescent care?

Yes, many of our plans provide some cover toward this. You will need to pay upfront and then claim back for this benefit.

Convalescence is not the same as rehabilitation. It is a step down for recuperation immediately after a medically necessary inpatient hospital stay or procedure. Convalescence must be deemed medically necessary by your admitting consultant.

Do you cover health screenings?

Yes, depending on your plan. We have a dedicated medical screening team , who look after medical screening as a preventive measure in  Vhi's medical screening centre .

You will usually need to pay an excess, but there may be a deficit in cost, depending on the health check you select. Any deficits will need to be paid upfront.

It is important to note that this is not a medical diagnostic service. Rather it is an overall proactive health check.. It cannot be used on an emergency basis, and you must be registered with a GP in Ireland to avail of the service. It is not a second opinion service.

You can contact the team directly on (056) 7753010.

Help centre for general queries

Phone numbers, email addresses and general queries.

Vhi Special Investigations Unit

Who are the vhi siu.

Our Special Investigations Unit consists of experienced, knowledgeable and dedicated professional investigators including Certified Fraud Examiners. Our team has extensive clinical expertise and law enforcement experience.

We need your help!

Anyone can contact our Special Investigations Unit where they have information to suggest that Vhi has been billed incorrectly. Your help may lead to an increase in savings for Vhi and our customers. We act on every report we get and promise to let you know the outcome.

Tackling rising costs

We're committed to doing all we can at Vhi to manage the rising cost of healthcare and ensure we deliver the best value for money to our customers. We do this in a number of ways, from negotiating competitive prices with treatment providers to managing our own costs.

Our Special Investigations Unit (SIU) looks into inappropriate charging and errors in claims. Since its inception in 2009, our investigations have saved over €215 million.

What to look for

• Incorrect charges billed, such as drugs, x-rays or scans
• Incorrect admission and/or discharge date billed
• Procedure or treatment was not performed or cancelled
• Incorrect procedure billed
• Mistakes in accommodation billed (ICU/multi room occupancy/single room occupancy)
• Where patients have been contacted following their discharge from a public hospital seeking to change their status from public to private during their admission

Contact SIU

Please contact the Special Investigations Unit (SIU) if you notice any inaccuracies on your Statement of Benefit, or if you are aware of any incident or incorrect/inappropriate billing.

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Table of Contents

What does annual travel insurance cover?

Single trip insurance vs. multi-trip travel insurance, how does annual travel insurance work, annual travel insurance plans, is annual travel insurance worth it, caveats to yearly travel insurance, if you're considering multi-trip travel insurance.

Are you hoping to fill your annual calendar with multiple travel adventures? When you’re heading out on a trip, travel insurance may provide peace of mind in case things go awry. It can provide protection in the event of unexpected injury and illness, no matter where you are.

For frequent travelers, sometimes a single-trip travel insurance policy just doesn’t cut it. Let’s take a look at when to buy annual travel insurance, what annual multi-trip insurance is and whether you should invest in this product.

For those who aren’t familiar with travel insurance, it basically works like this: Your personal insurance covers you when you’re at home. Travel insurance does the same when you’re abroad.

There are different levels and kinds of insurance, including those that’ll reimburse you if you have to quarantine, ones that let you cancel for any reason and even policies that cover emergency evacuation services.

Some common types of travel insurance include:

Health insurance .

Lost luggage insurance .

Trip cancellation insurance .

Accidental death insurance .

Rental car insurance .

Trip interruption insurance .

Cancel For Any Reason insurance .

Emergency evacuation insurance .

Most travel insurance policies will offer different levels of coverage for the different types outlined above. In some cases, you can customize your coverage to better meet your needs instead of opting for base-level policy inclusions.

» Learn more: What does travel insurance cover?

Here's a high-level overview of how annual travel insurance policies differ from single trip plans.

Yearly travel insurance works a little bit differently than single-trip insurance. For the most part, you won’t find an annual travel insurance policy that covers extras such as baggage loss or rental car insurance, though you may find some that cover trip interruption and cancellation.

Why is annual travel insurance cheaper than single trip? Multi-trip insurance focuses mainly on medical policies, while single-trip policies can cover a broader range of issues.

In general, annual travel insurance will cover you in the event that you need medical care while traveling overseas. Different policies will have different coverage. Some can include hazardous sports such as skiing and scuba diving, while others will include care in the event you fall ill with COVID-19.

Check whether your medical care is primary or secondary; secondary medical insurance only pays out after other eligible insurances have made their payments.

If you’re looking to be covered for specific needs, be sure to double-check any policy before you decide to purchase it.

» Learn more: How to find the best travel insurance

Purchasing an annual or multi-trip travel insurance plan doesn’t have to be expensive. Of course, you’ll want to get quotes before going forward with any purchase, so it’s best to do your homework ahead of time.

We put in a search for annual travel insurance plans using a 31-year-old traveling from California to Europe among three different policy providers.

1. Nationwide Travel Insurance

Nationwide came in at the cheapest for just $52 for the year, though at that price range it didn’t include trip cancellation or trip interruption insurance.

It was possible to add these in, but it increased the price appropriately. Otherwise, the plan offered $10,000 in emergency medical, $100 for baggage delay, $100 for trip delay and $500 for lost luggage

For our sample itinerary, Allianz offered three different annual travel insurance plans with varying levels of coverage — Executive, Prime and Basic.

The cheapest rang in at $138 for the year but also failed to include trip interruption, while the most expensive option would cost this travel $510.

Allianz’s lowest-cost option (Basic) provided $20,000 in emergency medical and $1,000 for baggage loss, as well as $45,000 for rental car insurance .

3. AIG Travel Guard

AIG Travel Guard returned just one option for multi-trip travel insurance, costing $259 for the year.

However, the increased price seems worth it for the additional coverage, which included $2,500 in trip interruption, $1,500 for trip delay, $500 for missed connections, $2,500 for lost baggage, $1,000 for delayed luggage and $50,000 for emergency medical.

There are a few different questions you’ll want to consider before purchasing travel insurance. This is true whether you’re looking for a single-trip policy or a plan that covers you for an entire year.

How often will you travel?

This is probably the most obvious question you’ll want to answer: How often do you travel? Are you out of town frequently? Do you stay out of the country for longer periods of time?

If you’re someone who goes on one or two vacations per year, for a week or two at a time, it may not be worth purchasing annual travel insurance. Although it’s cheaper than single-trip insurance, the benefits that you’ll receive are reduced accordingly.

What kind of trips are you taking?

How expensive are your trips? What about the chance for illness or accidental injury? Are you certain that you’ll be going on your trip, or is there the chance that you’ll need to cancel?

Multi-trip travel insurance is inherently limited due to its length of coverage. If your trip has a lot of components and opportunities for things to go awry, you may want to consider instead purchasing a single-trip policy.

As we noted above, these types of policies have a much broader area of coverage. This includes options such as cancel for any reason insurance and trip delay insurance.

Do you have any pre-existing conditions?

Pre-existing conditions are those that you have had prior to purchasing insurance. Let’s say that you tore your hamstring last year. After completing a round of physical therapy, you’re doing pretty well, though sometimes you still struggle with pain.

Some annual travel insurance policies will cover acute flare-ups of pre-existing conditions. This means that if your sore hamstring is suddenly aggravated to the point of needing crutches, they will cover the cost of that care.

Some policies do not; they will have a specific clause excluding any pre-existing conditions from your medical care.

» Learn more: What to know about travel insurance for pre-existing conditions

Does your credit card provide travel insurance?

Did you know that many travel credit cards provide complimentary travel insurance? If you book and pay for your trip using your card, you may be eligible for this insurance.

Examples of travel insurance offered by credit cards include:

Rental car insurance.

Emergency medical insurance.

Emergency evacuation insurance.

Trip cancellation insurance.

Trip delay insurance.

» Learn more: The best credit cards for travel insurance benefits

Not all credit card travel insurance coverages are equal; if this is something you’re relying on, you’ll want to carefully examine the policies of the credit card you’re using and the types of coverage it offers.

Cards such as the Chase Sapphire Reserve® offer some of the best complimentary travel insurance on the market.

Chase Sapphire Reserve®

Other cards, such as The Platinum Card® from American Express , also offer a wide range of coverage while you’re traveling. Terms apply.

» Learn more: The best travel credit cards right now

Yearly travel insurance may be a good option for you if you’re often on the road, but keep in mind that there are limits to the product.

For example, many travel insurance plans limit the amount of time you can spend on each trip. This is true for policy provider Heymondo, whose 12-month plan stipulates that your trip duration be less than 60 days.

Other plans may only apply outside the United States. This is the case for GeoBlue , whose travel medical insurance doesn’t cover you when you’re home.

Yes. Depending on the provider, you can purchase multi-trip or an annual travel insurance plan.

The biggest difference with annual travel insurance is it doesn't have as many covered benefits as the individual single-trip plans, as one of the main focuses of annual travel insurance is medical emergencies.

To determine which plan type is right for you, ask yourself questions such as:

How often are you traveling?

Are the trips expensive?

Do you have any credit cards with travel insurance coverage ?

Although cheaper, multi-trip or annual travel insurance are policies that cover multiple trips over a specific time frame. Policies have less coverage than single-trip policies. Generally, single-trip policies have baggage loss or rental car insurance, whereas annual travel insurance does not.

The average cost of a travel insurance policy varies on the coverage provided and the length of the trip. It's typically a percentage of your overall trip cost. On the high end, you can estimate up to 10% of your trip expenses. On the low-to-mid scale, you can estimate 4-8% of your anticipated trip costs.

Yes, you can buy annual or multi-trip travel insurance policies, which can be a good option for extensive trips. Note that these plans differ from single-trip policies in terms of coverage. Annual plans tend to focus on medical emergencies, whereas individual plans offer more robust travel-related coverages (such as baggage or trip delay).

Multi-trip insurance covers an unlimited number of trips during your coverage period. However, the length of time for your period is going to depend on your specific policy. Many multi-trip plans can be purchased as annual travel insurance, which will cover you up to 365 days.

It’s possible to cancel any insurance policy that you buy, but only during specific periods. This is called the "lookback" or review period. In most states, the lookback period lasts up to 15 days, during which time you can cancel your insurance without penalty.

Do you have any

credit cards with travel insurance coverage

Multi-trip travel insurance can be a cheap, affordable way to make sure you’re covered if you’re a frequent traveler. However, you’ll also want to understand the limitations of year-long policies. Although they can be less expensive than policies that cover a single trip, you can also expect to have less coverage.

Annual travel policies tend to focus more on medical care and — in limited circumstances — trip cancellation or trip interruption. However, if your needs include the ability to cancel your trip for any reason, or extras such as baggage insurance, you may want to consider purchasing a single-trip policy instead.

Finally, if you hold a travel credit card, odds are good that it comes with some form of travel insurance. Check out its guide to benefits to see what types of coverage your card offers, whether it’s emergency medical evacuation or trip delay reimbursement.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Multi-Trip Travel Insurance: One Policy That Covers Every Trip for a Year

Travel's messier than ever, so how'd you like travel insurance you only have to buy annually? Here's what multi-trip insurance is, how it works, and how to tell if it's the economical choice for you.

By Jason Cochran

February 22, 2023

For years you've heard it drilled into your consumer brain: Always buy travel insurance for major trips.  But ever since Covid-19 travel restrictions receded, even minor trips may involve big problems. 

Airlines and airports are halting operations without warning , political skirmishes are changing the landscape of no-go destinations , and, oh yeah, you could still get sick with Covid when you're scheduled to travel.

Given how unreliable travel has become and how easy it is to get stranded between point A and point B, our new travel insurance advice could very well be simplified to three words: Always have it . 

There's actually a type of travel insurance that you only have to buy once a year. Multi-trip insurance will cover you, no matter where you go, for the length of the policy's validity period, which is usually a year.

Buy this type of insurance once, and you'll be covered for all your trips for a full 12 months. 

Will I save money using multi-trip insurance?

That's something you have to calculate based on who you are and what your travel habits are.

"The cost of single-trip products are often based on two factors: the age of the traveler and the cost of the trip," said Daniel Durazo of Allianz Travel Insurance , one of the largest players in the business. "So as those factors go up or down, so does the cost of travel insurance."

According to Durazo, single-trip policies often cost between 5% and 10% of the total cost of a trip.

On the other hand, annual multi-trip policies are usually offered at a flat rate, "meaning your cost may not increase with age and trip cost," Durazo said.

Once you possess multi-trip coverage, you don't have to report each trip you take to your insurer, like you do with single-trip policies. You're simply covered for the year, no matter where you go.

All of the insurance industry experts we spoke to estimated that you'd need to take at least three to five trips in a year for the expense of a multi-trip policy to be worth it. 

Can I travel all year with a multi-trip policy?

You can take multiple trips, but you can't remain on the road for months at a time. With an annual policy, coverage for each trip will expire after a maximum number of permitted days.

Lynn Pina of Pennsylvania-based GeoBlue , which sells annual travel insurance products, says that "most policies [only] cover trips up to 30 days [apiece]." (However, one of the company's premium products, GeoBlue Trekker, will cover trips lasting up to 70 days.)

After time's up on a trip, travelers on an annual plan will have to return home and then leave again for the clock to reset for the next trip. If you can't get home in between journeys, many insurers will also sell you add-on plans to cover the extra days.

Consequently, multi-trip insurance is better for leisure or business travelers and not designed for expats or long-term backpackers. 

How can I compare prices and coverage of single-trip policies vs. multi-trip policies?

You don't have to track down a bunch of insurers to compare prices. That can be done quickly.

There are several one-stop online insurance marketplaces where you can plug in your details to see what numerous companies will offer.  InsureMyTrip ,  Squaremouth , and QuoteWright  have all been in business for many years. Check those and you'll be able to survey the major players and compile a thorough list of options. 

Those websites can also handle quotes for multi-trip insurance, so you won't have far to go to compare prices and inclusions.

Will multi-trip insurance cover cancellation?

Not automatically. You have to make sure you buy a policy that has trip cancellation coverage. For example, Allianz's most affordable option, AllTrips Basic , will not cover cancellation, but the company's upgraded policies, like AllTrips Premier , do cover cancellation. 

If you want the ability to decide unilaterally that you don't want to take a trip you bought, you must ensure that  Cancel for Any Reason (called CFAR) coverage is part of your policy. Not all insurance offerings automatically include a CFAR clause. 

Some upper-tier multi-trip plans will also cover everyone in your household, even if you travel separately. Maybe you can split costs with family members.

Will multi-trip insurance cover lost luggage?

Multi-trip policies tend to cover baggage loss, but only for a small amount and only for checked baggage.

That might not be a deal-breaker, though, because many credit cards automatically include such protection if you pay for travel with them. You might already have free baggage coverage.

Will multi-trip insurance cover rental car insurance?

That's another thing your credit card may already cover, but many multi-trip policies still throw it in. All of Allianz's annual plans do, and the coverage is good for $45,000 in rental car collision damage.

Will multi-trip insurance cover medical expenses?

Not all annual policies do. Some require Americans to have primary medical insurance back home and will only deal with medical situations that are classified as emergencies.

"The benefits of these plans vary but most typically cover medical expenses, trip interruption, and medical evacuation costs," said Pina of GeoBlue. "Some may even cover preexisting conditions for medical services and medical evacuation."

You just need to seek out the specific medical coverage for your needs.

"If your prepaid costs for an international trip are for items that can be rescheduled [for free], like airline tickets, consider a travel medical plan that provides coverage for medical expenses that will not be covered by your domestic health insurance," said Pina.

Even if your policy offers limited medical inclusions, make sure it at least includes Covid-19 coverage and access to a doctor around the clock via a telehealth service. 

How much should I travel in a year to make a multi-trip policy worth the money?

You may also like:  Frommer's 8 Great Travel Insurance Providers You may also like:  How to Tell If You Need Travel Insurance, Based on the Type of Vacation

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Reviews 4.6.

27,919 total

Most relevant

Cancelled holiday, full refund

Made a claim in Aug 2023 as we had to cancel our holiday due to my father in law becoming very ill. He died 6 weeks later and after sending Multi Trip a note from his doctor our claim was settled, less our €300 excess.

Date of experience : August 01, 2023

Reply from Multitrip.com

Hi Michael, I am so sorry for your loss. Thank you for your lovely comments and taking the time to leave a 5 star review. Kind Regards Patricia

This company were easy to work with

This company were easy to work with. I looked at the choice of product, picked one and was covered in minutes. I must say that I noticed a mention of Blue Insurance on the paperwork of Multi Trip . Unfortunately, I had a bad experience with that company. I had an accident on holiday while I was insured with Blue, and to put it mildly, they were unpleasant to deal with.

Date of experience : April 26, 2024

Hi Des, Thank you for taking the time to leave a 5 star review. Kind Regards Lorna.

The agent was so helptful that she gave…

The agent was so helpful that she gave me choices for the product i mighy get interest.shes very accomodating and so helpful with all my querries.

Date of experience : April 25, 2024

Hi Rona, Thank you for your comments and taking the time to leave a 5 star review. I will pass your lovely feedback to the agent. Kind Regards Patricia

Easy experience to book online.

Easy experience to book online. Previous customer. Haven't had to claim yet so hope process is as easy Highly recommended

Hi Mark, Thank you for your comments and taking the time to leave a 5 star review. Kind Regards Patricia

Annual multi trip purchase

Easy to purchase online. Policy documents received promptly. Good cover for price.

Date of experience : April 28, 2024

Hi Dave, Thank you for your comments and taking the time to leave a 5 star review. Kind Regards Patricia

I only renewed as a new customer as…

I only renewed as a new customer as soon f I renewed as existing I would have paid a lot more. Think they try to rip you off with auto renewal

Date of experience : April 29, 2024

Hi Brian, I have sent you a direct email to discuss this further. Kind Regards Patricia

First time customer

Great online experience taking out a new travel insurance policy. Fast, simple process, and great value also.

Hi Robert, Thank you for your comments and taking the time to leave a 5 star review. Kind Regards Lorna.

All you need for your piece of mind

They make it very easy and clear when you looking for holiday insurance

Hi Paul, Thank you for your comments and taking the time to leave a 5 star review. Kind Regards Patricia

Value for money

Easy to deal with.will bive u 1 month nii Notice prior renewal.give u loads of differents optioms and prices and types of cover

Date of experience : April 24, 2024

Hi Arnaud, Thank you for your comments and taking the time to leave a 5 star review. Have a lovely day. Kind Regards Natalie Ward

Easy to use

Easy to use web site not used the insurance yet as not due to go on holiday till may

Date of experience : April 23, 2024

Hi Eileen, Thank you for your comments and taking the time to leave a 5 star review. Kind Regards Lorna.

Hy I have used Multitrip travel…

Hy I have used Multitrip travel insurance a few times now and I find the prices good and fair , I am happy with service

Date of experience : April 21, 2024

Hi Barbara, Thank you for your comments and taking the time to leave a 5 star review. Have a lovely weekend. Kind Regards Natalie Ward

The customer assistant Mandy

The customer assistant I dealt with was very professional, courteous and efficient.Her name was Mandy ,she spoke with clarity and courtesy.I was distracted while speaking with her but she showed great patience.

Date of experience : April 18, 2024

Hi Paul, Thank you for your comments and taking the time to leave a 5-star review. Your lovely feedback will be passed on to the agent. Kind Regards, Rebecca

Had almost completed transaction online…

Had almost completed transaction online but without success. The way business is operated nowadays I really did not expect a phone to be answered. I assumed I would be directed back to the online method. Phone was answered by Britney who completed my transaction in a most helpful and friendly manner. A breath of fresh air in our online world. Thank you.

Date of experience : April 12, 2024

Hi Bernadette, Thank you for your lovely comments and taking the time to leave a 5 star review. We will pass on your feedback to Britney. Kind Regards Lorna.

I found multitrip very reasonable…

I found multitrip very reasonable priced and great that you can do it for 2 years. It was very easy to pick the best plan of us.

Hi Dolores, Thank you for your comments and taking the time to leave a 5 star review. Kind Regards Lorna.

Quick and easy to find online through…

Quick and easy to find online through Go Compare. Very reasonable for an annual policy.

Hi Tracy, Thank you for taking the time to leave a 5 star review and also for your feedback on the website. Kind Regards Natalie Ward

My travel insurance expired so I…

My travel insurance expired so I emailed Multitrip enquiring about insurance. They answered straight away and arranged the best deal for me. Great customer service and competitive rates.

Date of experience : April 19, 2024

Hi Michelle, Thank you for your comments and taking the time to leave a 5-star review. Your lovely feedback will be passed on to the agent. Kind Regards, Rebecca

Clear and concise advice

The advisor went through all the relevant options with me to get the best cover and price. She was very clear and ensured I understood the level of cover.

Date of experience : April 17, 2024

Hi Nabil, Thank you for your comments and taking the time to leave a 5-star review. Your lovely feedback will be passed on to the agent. Kind Regards, Rebecca

Managed to update my policy and pay…

Managed to update my policy and pay renewal in one quick phonecall

Hi Rachel, Thank you for your comments and taking the time to leave a 5 star review. We will pass on your feedback to the agent. Kind Regards Lorna.

It's easy to filling the information…

It's easy to filling the information required. I find the insurance cover is wide ranging. No technical issues especially being a senior citizen. Long may it last.

Hi Trisha, Thank you for your comments and taking the time to leave a 4 star review. Kind Regards Lorna.

I can't access the documents

I can't access the documents. It says there is an error with my account. Support over the phone unable to help.

Date of experience : April 27, 2024

Hi Elizabeth, I have sent you a direct email to discuss this further. Kind Regards Patricia

The best travel insurance policies and providers

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

• You purchase the plan within 15 days of your initial trip payment.
• The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
• You must be medically able to travel when you purchase your plan.

Standout features

• The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
• You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
• Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

• You purchased the policy within 14 days of the date of the first trip payment or deposit.
• You were a U.S. resident when you purchased the policy.
• You were medically able to travel when you purchased the policy.
• On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
• Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
• Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
• For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

• You must be medically able to travel at the time you pay the policy premium.
• You pay the policy premium within 14 days of making the first covered trip deposit.
• Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
• Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
• American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

• GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
• GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

• Some annual multi-trip plans are modestly priced.
• iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

• You purchase the plan within 15 days of the initial trip payment.
• The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
• All insured individuals are medically able to travel when they pay the plan cost.
• The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
• Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
• Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
• For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

• You buy this plan within 20 days of making your initial trip payment or deposit.
• You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
• You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
• Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
• You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
• Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

• World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
• World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

• Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
• Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
• Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
• Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
• Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
• Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
• Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
• Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

File a Claim

Still have a question? Be sure to get in touch with our expert travel team

You can also claim directly or check the status of an existing claim at our claims administrator’s 24/7 self-service portal at: https://cbpconnect.com

You have reached AXA USA, your Travel Protection solution for US Residents. Our team of experts are available to you for claims assistance.  If you are looking for information on how to file a claim and you are not a US Resident please review your travel documents for the appropriate contact details. If you are a US Resident and purchased an AXA Silver, Gold, or Platinum plan please find the necessary claim forms and instructions below.

How can I contact someone about my claim?

Before you submit a claim.

Contact AXA USA for emergency medical and travel assistance including any prior arrangements for evacuations and medical repatriations. In the event of theft or loss of property, contact the police or transportation carrier such as the airline immediately to obtain a filed report

• ✔Check your policy documents to confirm your coverage details
• ✔Review the claim form for supporting documentation required
• ✔Contact AXA USA for any policy and claim questions

Download your claim forms below

Claim forms are for SILVER, GOLD, and PLATINUM plans only.

Trip Cancellation

Provides coverage for non-refundable payments and deposits made before your trip was cancelled due to a covered reason. This is a pre-departure benefit.

Cancel For Any Reason

Provides coverage for non-refundable payments and deposits made before your trip was cancelled. Only available on the Platinum plan as an optional benefit. This is a pre-departure benefit.

Trip Interruption

Provides coverage for non-refundable trip cost in the event you cannot continue your trip due to a covered reason. This is a post-departure benefit.

Provides coverage for the unsed portion of pre-paid expenses, accommodations, meals, and transportation expenses if you experience a delay while traveling.

Provides coverage for emergency medical expenses resulting from an accidental injury or sickness incurred while on the trip.

Accidental Death or Dismemberment

Provides coverage if you suffer an injury resulting in loss of life or limb during a covered part of your trip.

Baggage Delay

Provides coverage if your baggage is delayed 24 hours on Silver and Gold and 12 hours on Platinum.

Provides coverage if your baggage or personal effects are lost, damaged or stolen during your trip.

Collision Damage Waiver

Provides coverage if you rent a car while on your trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood, or any cause not within your control while the car is in your possesion.

MY TRIP COMPANION

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• TRAVEL SUPPLIERS

Trip Mate Claims

With trip mate, rest assured that you will receive the best service possible., claim services, report your claim, view claim status, required documentation.

With Trip Mate you can be assured that you will receive the best service possible. We handle every claim with utmost concern for you and your situation.

Our claims examiners undergo extensive training and are committed to providing fast, fair and friendly service. When you report a claim you can expect that:

• Customer service representatives will be available around the clock with average telephone hold times of less than one minute; all calls will be returned on average within the following business day;
• We will always be respectful of your needs and concerns, and we will employ the highest ethical standards in the handling of your claim; no claim is denied without a review from our dedicated claims personnel;
• SMS alert updates for your filed claim (based on your communication option selected)

Contact us for any assistance needed at [email protected]

Claims for individuals and family members living in the same household may be reported online together. Family members living in different households, unrelated individuals or traveling companions must report their claims separately.

In order to report your claim(s) online, you will need the following information:

• Your Plan Number which is found in the Plan Certificate or Description of Coverage web page;
• The departure and return dates of your scheduled trip;
• The travel agency name, address, telephone number and the name of *Your travel agent, if you booked your trip through a travel agency (not required, but recommended).
• Depending upon the type of claim(s) you are reporting, additional documentation may be required. Please be sure to review the “Required Documentation Tab” above and the Required Documentation page listed on your claim forms.
• For step by step claim filing instructions, you can use this link to see how the Claims Submission Process Works

You can review the status of your claim and claims of family members living in the same household. In order to review the status of your claim(s) online you will need the following information:

• Your Plan Number which is found in the Plan Certificate or Description of Coverage web page, please reach out directly to your travel supplier or the party with whom you booked your trip, as they should be able to provide you with your plan number if you are unable to locate the confirmation email;
• Your First and Last Name; and
• Your Claim ID, which is found on your completed claim form in the mailing address area to the right of your name. If you are needing some assistance with an electronic payment, you can view our FAQ to assist with general deluxe services questions.

Below is a list of documents that may be required when filing a claim. These are general requirements and documentation may vary depending upon the plan you have purchased. With your claim form, you will receive a specific listing of required documents relative to your plan.

Pre-Departure Trip Cancellation

Payment Information – a copy of your trip itinerary and copies of all invoices, credit card statements and cleared checks evidencing your payment for the trip.

Refund Information – original unused non-refundable tickets; copies of invoices, credit card statements or other written documentation substantiating the non-refundable costs for your air, land or cruise travel arrangements (retain originals for your records) and a copy of the travel supplier’s literature that details the terms and conditions (i.e. refunds given when a trip is canceled).

Cause of Your Trip Cancellation – any documentation substantiating the reason you canceled your trip (i.e. such as a death certificate in the event death; for a sickness or injury, signed Attending Physician Statement and Authorization for Release of Information forms which are included with your claim form).

Post-Departure Trip Interruption, Travel Delay or Missed Connection

Refund Information – original unused non-refundable tickets; copies of invoices, credit card statements or other written documentation substantiating the non-refundable costs for your substantiating the non-refundable costs for your air, land or cruise travel arrangements (retain originals for your records).

Expense Reimbursement – any documentation of additional expenses for which you are requesting reimbursement, such as: tickets, receipts, and bills (retain originals for your records).

Cause of Your Trip Interruption – any documentation substantiating the reason you interrupted your trip (i.e. such as a death certificate in the event death; for a sickness or injury, signed Attending Physician Statement and Authorization for Release of Information forms which are included with your claim form).

Cause of Your Travel Delay or Missed Connection – any documentation substantiating the reason for your delay or missed connection (i.e. such as documentation from the airline or other carrier detailing the cause of your delay; or for a sickness or injury, documentation of treatment for the cause of your Travel Delay).

Medical Expense

Additional Forms – a signed “Authorization for Release of Information” form (included with your claim form).

Expense Reimbursement – copies of itemized bills and/or statements from medical providers for services rendered in connection with your claim (retain originals for your records). These bills and/or statements must include the date of service, the service rendered, the charge for each service, and the diagnosis.

Other Insurance or Benefits – a copy of an Explanation of Benefits Statement or other evidence of payment, denial of benefits, or claim status (retain originals for your records) from your primary health insurance provider. FOR U.S. MEDICARE PARTICIPANTS: If you are covered under a Medicare Supplement Policy, you must submit any incurred charges to your Medicare supplement carrier.

Baggage Loss/Damage

If loss or damage to your property occurred while in the care of a responsible party (i.e. airline, motorcoach operator, taxi, cruiseline, hotel, restaurant, etc.), you must provide us with evidence of payment, claim denial, or other disposition from the responsible party (retain originals for your records). If your property is lost, stolen or damaged while in your possession, you must provide us with evidence of the loss.

For repaired luggage , please submit your luggage repair bill.

For items damaged beyond repair , you must provide the date of purchase, a fully completed Statement of Non-Repairability (included with your claim form), and a written statement of current replacement cost from a retailer (retain originals for your records).

For items lost or stolen , you must provide the date of purchase. If you are not sure of the exact date, provide the month and year of purchase.

For items over $100.00 in value which have been lost or stolen, you must provide documentation of the original purchase price. If the original receipt is not available, benefits will be calculated based upon 75% of the Actual Cash Value at the time of loss.

Baggage Delay

If delay of your property occurred while in the care of a responsible party (i.e. airline, bus, taxi, cruise line, hotel, restaurant, etc.), you must provide us with evidence of payment, claim denial, or other disposition from the responsible party (retain originals for your records).

Multitrip Travel Insurance

• Annual Travel Insurance
• Backpacker Travel Insurance
• Single Trip Travel Insurance
• Family Travel Insurance
• Travel Insurance for Children
• Travel Disruption Insurance
• Ski Insurance
• Winter Sports Insurance
• Travel Insurance Europe
• Travel Insurance USA
• Travel Insurance Canada
• Compare Travel Insurance
• Compare with The AA
• Compare with VHI
• Compare with Laya
• Covid-19 Benefits
• Cheap Travel Insurance
• Travel Insurance Ireland
• Holiday Travel Insurance
• Cancelled or Delayed Flight
• Manage Your Policy / Renew
• Make a Claim
• Get a Quote
• Travel Insurance for over 70s

Multitrip Travel Insurance Ireland from €19.95 *

Ireland's favourite travel insurance provider, affordable travel insurance.

Multitrip.com offers comprehensive travel insurance, whether you're traveling for business, pleasure, or adventure. We understand that unexpected events can occur, causing disruptions and inconvenience. That's why we are here to provide you with peace of mind by protecting your travel plans at affordable prices.

Expert Service

We believe that everyone deserves to travel with confidence, knowing that they are backed by a reliable and trustworthy insurance provider. Our team of experienced professionals are committed to delivering a high level of service and support, providing you with the assistance you need when you need it the most.

Covid Cover

We are committed to ensuring that you are protected against any unforeseen circumstances during your travels, including those related to COVID-19 medical and cancellation. With our enhanced coverage, you can rest assured that you are in safe hands. Learn More .

Travel Insurance Specialist in Ireland

We, at Multitrip.com, know well how important it is to have Travel Insurance when heading off on holidays. If you are based in the Republic of Ireland, you can choose among our different types of cover on our website to suit most trips abroad and buy your Travel Insurance online in just a few minutes. We have been providing Holiday Insurance to the Irish market for over 15 years and have been awarded on many occasions with 'Best Travel Insurance Provider' awards.

Compare Travel Insurance Types

Single trip insurance,  from € 3.62.

You can get Holiday Insurance for only a once-off trip if you want, whether it's a short city break or a long-stay one.

 from € 19.95

If you are always on the move, visiting different places every year, Multitrip Insurance may be the most cost-efficient option for you.

Backpacker Insurance

 from € 119.99.

Backpacker Holiday Insurance is ideal for those trotting the globe or settling down in another country.

What does Travel Insurance Cover You for?

At Multitrip.com, Travel Insurance covers the common travel issues, such as delayed baggage, cancellation and delayed departure, as well as including cover for over 60 sports and activities under Grade 1 as standard. Please refer to policy wording for full details of cover.

Cancellation covers irrecoverable, unused travel and accommodation costs and other pre-paid charges which you are contracted to pay while curtailment covers your reasonable additional travel expenses incurred to return to your home country as a result of an unforeseen illness, injury or bereavement.

This covers emergency medical and other expenses including dental (for pain relief only) if an insured person suffers a sudden and unforeseen bodily injury or illness or dies during a trip outside Ireland.

This provides 24 hour emergency assistance in the event of a medical emergency abroad, repatriation or curtailment of your holiday.

This provides protection against the accidental loss of, theft of or damage to baggage/personal belongings.

This provides cover should you become legally liable to pay compensation for any claim or series of claims arising from accidental bodily injury to a third party or loss or damage to property that does not belong to you.

This provides cover if the scheduled public transport on which you are booked to travel is delayed at the final departure point from or to Ireland for at least 12 hours.

Do I Need Travel Insurance for Ireland?

If you are an Irish resident and travelling within Ireland, Travel Insurance would only cover for the cancellation or curtailment element if you have two or more nights of pre booked accommodation booked in the country. Still, with the same policy from Multitrip.com in place, you can benefit from comprehensive cover when travelling to any other countries.

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

Optional Travel Insurance Cover

When booking Travel Insurance with Multitrip.com, you can enhance your policy with a series of Optional Cover that's available depending on your policy type. Your choices are: Winter Sports , Travel Disruption Cover , Flight Cancellation, Wedding, Business, Golf Equipment, Exam Failure, Cruise Connection and Excess Waiver.

Countries Covered by Travel Insurance from Ireland

At Multitrip.com, you have five areas of cover to choose from depending on your travelling plans and the policy type you select.

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.

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

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.

Super Competitive Prices