health insurance travel insurance

At Insuremyholiday.ie, we take pride in delivering cheap yet comprehensive travel insurance to holiday makers of all ages, no matter what their destination. We know the difference that having insurance can make if something goes wrong, and we’ve seen people be hugely grateful that they had insurance when they ended up needing emergency assistance abroad.

We’re also realistic enough to know that nobody ever wants to buy travel insurance. You might wonder if you need it at all. In particular, you might wonder ‘why do I need travel insurance if I already have health insurance that provides cover abroad?’

The simple answer is that travel insurance covers you for much more than mere health insurance does.

Travel insurance v health insurance

Health insurance will cover you for emergency treatment abroad up to a certain amount, depending on the plan you are on. But just as we told you when answering the question ‘why do I need travel insurance if I have a European Health Insurance Card (EHIC)?’, it does not cover you for repatriation or the costs for additional accommodation or travel expenses.

With a travel insurance policy from Insuremyholiday.ie however, you are covered for up to €10,000,000 in medical care abroad, which is greater than the cover offered by any private health insurance policy or the EHIC. Our policies also provide for:

  • Additional travelling and accommodation expenses for a companion to stay with you if your accident/illness means you have to stay abroad longer than planned.
  • If you have been travelling alone, we cover the costs of somebody travelling out to stay with you if it is medically necessary for you to have a companion.
  • Reasonable additional accommodation costs caused by your accident/illness.
  • Additional travelling costs to repatriate you where recommended.
  • Expenses incurred for the burial or cremation of a deceased person abroad, or repatriation to Ireland of the deceased insured person’s body or ashes.

Travel Insurance also covers much more

Remember too that a travel insurance policy covers much more than just medical expenses. For example, the single biggest reason for claiming on a travel insurance policy is for having to abandon travel plans before the trip even begins at all.

Other items covered by travel insurance that are not covered by health insurance include:

  • Flight delay or cancellation
  • Baggage loss or delay
  • Money/credit card/documents cover
  • Legal expenses cover
  • And much more

In fact, a travel insurance policy from Insuremyholiday.ie provides you with all these great benefits:

Gold Plan travel insurance benefits

  • Medical Expenses Cover of €5 Million
  • Personal Luggage Cover of €2,000
  • Personal Money and Documents Cover of €1,600
  • Delayed Departure Cover of €200
  • Cancellation or Curtailment Cover of €4,000
  • Abandonment Cover of €4,000
  • Missed Departure Cover of €500
  • Personal Accident Cover of €55,000
  • Personal Liability Cover of €2,000,000
  • Third Party Supplier Insolvency Cover of €2,000
  • Schedule Airline Failure Cover of €1,000
  • Legal Expenses Cover of €10,000
  • Hijack Cover of €1,000
  • Catastrophe Cover of €750
  • Credit or Cash Card Fraud Cover of €300

Platinum Plan travel insurance benefits

  • Medical Expenses Cover of €10 Million
  • Personal Luggage Cover of €3,000
  • Personal Money and Documents Cover of €2,000
  • Delayed Departure Cover of €400
  • Cancellation or Curtailment Cover of €6,000
  • Abandonment Cover of €6,000
  • Missed Departure Cover of €600
  • Personal Accident Cover of €95,000
  • Personal Liability Cover of €2,000,000
  • Third Party Supplier Insolvency Cover of €2,000
  • Schedule Airline Failure Cover of €2,000
  • Legal Expenses Cover of €20,000
  • Hijack Cover of €2,000
  • Catastrophe Cover of €1,000
  • Credit or Cash Card Fraud Cover of €500

Ultimately, our advice to you is to always take out travel insurance for your trip, even if you already have private health insurance.

That way, you’ll be fully covered, no matter what happens – and our cheap travel insurance rates mean that you can get cover for much less than you might think.

Just get a quote now – you could be pleasantly surprised!

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