We're Human about Multi-Trip Insurance
Our customers know we'll keep our promise to protect them, whether they're at home or abroad. An Post Insurance is a 100% Irish-owned company, so we understand what matters most to you.
How We Help
We know that everybody wants to get great value travel insurance, so we offer competitive prices if you have private health insurance to help manage the cost of cover (1).
Whether you prefer to holiday in Ireland, or go on an adventure abroad, get the peace of mind of good protection. If things go wrong while you're abroad you can rest easy knowing you will get the assistance, cover and care you need.
Along with great cover with a range of benefits to give you extra comfort, you can also purchase optional upgrades like excess car hire cover (2) to help you tailor your plan to suit your type of travel.
We're powered by people just like you, living in communities all over Ireland. While you're abroad, the Medical Emergency Assistance line is available 24 hours a day so you can get the help you need, when you need it.
1) If you have Private Health Insurance (PHI) such as VHI, Irish Life Health or Laya Healthcare, you may already be covered for an element of overseas medical treatment. We will top up the medical expenses cover as outlined in the policy document.
2) These optional extras are subject to an additional charge; it is not necessary to purchase these upgrades in order to purchase the policy.
Features & Benefits
If you like to take more than one holiday a year, the Annual Multi-Trip Insurance Policy is a smart choice. It offers peace of mind and protection for you and your family at home and abroad for up 90 travel days each year (to a maximum 30 days per trip) (3). This means you don't have to arrange a new policy every time you go abroad, so you'll have more time for researching the best beaches!
3) An Annual Multi Trip Policy offers cover for up to 90 days travel in the year, but no holiday can be longer than 30 days at a time. With an Annual Multi-Trip Policy, you can also be covered for holidays in Ireland provided that you spend at least two nights in accommodation you booked before your departure.
We offer cover for personal belongings of up to €1,500 (Single Item limit & Valuables limit is €250) and personal money of up to €500 (subject to €90 excess).
Sometimes cancelling or cutting short your trip is unavoidable. Our travel insurance will help you recoup these costs, up to €3,000. You can also get cover of up to €200 for delayed baggage.
Make sure you get the care you need if you fall sick or get injured. Our policies provide medical and emergency assistance while abroad, with cover for medical expenses of up to €5 million (4).
Do you like to drive while you're on holiday? Leave your worries behind by purchasing our European Car Hire Excess Cover (2), which means you can get on with exploring, while we take care of the excess.
4) Medical expenses are subject to €90 excess. Must be for necessary hospital, surgical or other diagnostic treatment, given or prescribed by a Doctor, and include charges for staying in a hospital or nursing home.
Please Note: For further information, you should read the Policy Document and Insurance Product Information Document (IPID) for details on all the benefits and exclusions.
| Benefit | Description | Cover up to € | Exclusions |
| Cancellation or cutting short of your trip (subject to €90 excess) | Costs for unused travel and/or accommodation which a Person Insured has paid or is contracted to pay and which cannot be recovered from any other source | €3,000 | Not covered if you or any other person insured are aware that the holiday might have to be cancelled. |
| Travel Delay | If a Person Insured is delayed for at least 12 hours because the scheduled departure of a Public Conveyance is affected by a strike, industrial action, adverse weather, mechanical breakdown/derangement, or grounding of an aircraft due to mechanical or structural defect | €150 | Must be delayed by at least 12 hours on the outbound or return journey. |
| Missed Departure (subject to €90 excess) | Payment for necessary and reasonable accommodation and travel expenses to enable a Person Insured to reach his or her scheduled destination if he or she arrives too late at the airport, sea port, coach or train station to commence a booked
journey from or to Ireland due to: i. The car he or she is using for travel breaking down or being involved in an accident; or ii. The Public Conveyance he or she is using for travel failing to arrive on schedule | €500 | Not covered if sufficient time was not allowed for the journey or departure is missed due to heavy traffic |
| Delayed baggage | Must be a minimum of 12 hours after arriving at your destination | €200 | Baggage delayed on Return Journeys No receipts for items purchased |
| Personal Accident | €30,000 | More than €2,500 if the Person Insured is under 16 years of age at the time of the Bodily Injury More than one benefit for the same Bodily Injury If death, loss or disability is to disease or any physical defect, injury or illness which existed before the Holiday. | |
| Medical expenses (subject to €90 excess) | Must be for necessary hospital, surgical or other diagnostic treatment, given or prescribed by a Doctor, and include charges for staying in a hospital or nursing home. | €5,000,000 | Not covered if you are travelling against the advice of a doctor, travelling to obtain medical treatment. Pre-existing conditions are not covered if you cannot meet the eligibility criteria at the time of purchasing the insurance and or booking your holiday |
| Hospital Benefit | If a person insured is a hospital inpatient during a Holiday and has a claim under his or her Private Medical Insurance or Part III Section 5 MEDICAL AND ADDITIONAL EXPENSES, We will pay a benefit of €20 for each full 24 hours he or she spends in hospital up to a maximum of €400 for each Holiday | €400 | Not covered in any institution not recognised as a hospital in that country |
Personal belongings cover (subject to €90 excess) (Maximum limit for any one time and valuables in total is €250 per item) | If personal property is lost, damaged or stolen during a Holiday, we will pay repair and replacement costs up to €1,500 | €1,500 | Not covered if valuables are left unattended. Dentures, hearing aids, prescription glasses, sunglasses, prescription sunglasses, contact or corneal lenses |
| Personal money cover (subject to €90 excess) | Must be reported to police or hotel management and report must be received | €500 | A loss or theft not reported to the Police (and the hotel management if the loss or theft occurs in a hotel) within 24 hours of discovery and we are provided with a copy of the original written Police report and report to the hotel management as applicable |
| Loss of Passport/Driving Licence | Must provide copy of police/hotel management report and must have been reported within 24 hours of its’ discovery | €500 | A loss or theft not reported to the Police (and the hotel management if the loss or theft occurs in a hotel) within 24 hours of discovery and we are provided with a copy of the original written Police report and report to the hotel management as applicable |
| Hijack | The unlawful seizure or taking control of an aircraft or other means of transport in which a Person Insured is travelling as a passenger | €500 | Any Criminal Act |
| Personal Liability | We will indemnify a Person Insured against all sums which he or she is legally liable to pay as damages in respect of: i. Accidental bodily injury (including death illness or disease) to any person ii. Accidental loss of or damage to material property which occurs during the Period of Insurance arising out of the Holiday. | €2,500,000 | Any wilful or malicious act Liability in respect of bodily injury loss or damage caused directly or indirectly in connection with ownership, possession of, or use by the Person Insured of: Mechanically propelled Vehicles, Aircraft, hovercraft, Watercraft or Firearms |
| Overseas Legal Advice & Expenses | €30,000 | Any criminal or wilful act or any claim reported 24 months after the beginning of the incident which led to the claim | |
| Pet Care | We will reimburse the Person Insured for pet care fees incurred up to a maximum of €150 for each Holiday. | €150 | Not covered in Ireland |
Winter Sports (Optional) | This Section is optional. It applies only if it is shown as insured on the Policy Schedule and the additional premium has been paid Up to €20 for each full 24 hour period, limited to €200 where it is necessary for a person Insured to hire Winter Sports equipment for Winter Sports that is lost or broken or misplaced Up to €75 for each full week, or a proportionate amount for shorter or longer periods, limited to €300 to cover the value of an unused ski pass belonging to a Person Insured, and hire or tuition fees which a person insured cannot recover following an accident or illness or loss or theft of his or
her ski pass €20 for each full 24 hour period, limited to €200 if a person insured is unable to ski because there is a lack of snow in the pre-booked resort and no alternative skiing available Up to €100 for additional and necessary travel and accommodation costs if a person insured’s outward or return journey is delayed by an avalanche for more than 12 hours from the scheduled departure time on his or her travel
ticket
| €300 | Not covered if claim is due to participation in competitive winter sports |
| Car Hire Excess (Optional) | This Section is optional. It applies only if it is shown as insured on the policy schedule and the additional premium has been paid Must be aged between 21 and 75 on date of purchase of insurance | €4,000 |
An Post Insurance Travel Insurance
Heading abroad? Our customers know we'll keep our promise to protect them, whether they're at home or abroad. Find annual, single, multi-trip, or family cover with An Post Insurance today.
Get a QuoteGood to Know
We've gathered together all the details you need to better understand your travel insurance options. Take a look at our FAQs and learn more about how we can help you protect what matters most to you.
If your
flight is cancelled for any reason, and regardless of when you are notified,
your airline must offer you the choice between:
1)
Re-routing as soon as possible, subject to availability, free of charge.
2)
Re-routing at a later date.
3) A full refund.
If you
believe compensation is due, then the first step is to formally contact the
airline or travel provider. If you're not satisfied with its response, then you
can escalate by contacting the National Enforcement Body - which, in most cases
for Irish passengers, is the Commission for Aviation Regulation (01
661-1700; www.flightrights.ie).
Before you buy a policy and have a medical condition, we ask you to confirm that you are NOT
- Receiving or on a waiting list for treatment in a hospital or nursing home;
- Waiting for investigation or referral, or the results of any investigation, medical treatment or surgical procedure, for any condition, whether diagnosed or un-diagnosed;
- Choosing not to take prescribed medication, or the correct dose of prescribed medicine;
- Travelling against the advice of a medically qualified doctor;
- Travelling to obtain medical, dental or cosmetic treatment;
- Travelling with a terminal condition;
If you can confirm these and the other statements we ask you to confirm, you can buy our cover online.
Yes. To protect your own interests you should purchase travel insurance cover at the same time you purchase your travel package. You can buy it at a later date but it will not cover events which have already occurred.
If you are buying a single trip policy, your cancellation cover begins instantly. If you are buying an annual policy, you can choose when your cover begins (up to 180 days in the future). If you have already booked a holiday, and have no other travel insurance arrangements in place, you should ensure your policy starts immediately, so you are covered for cancellation.
Yes, provided you have bought an annual policy. You must spend at least two nights in accommodation you booked before your departure. So a weekend break involving two nights in a hotel would be covered, but a day out and overnight stop wouldn't. If you have bought a single trip policy you will not be covered for holidays in the Republic of Ireland. Whichever policy you buy, some benefits are not payable for holidays in the Republic of Ireland. See the Policy Wording for full details.
Need help?
An Post Insurance Travel Insurance is arranged, administered and underwritten by Chubb European Group SE.
