All individuals named on a family policy can travel independently of each other. Therefore children are covered to travel separately to their parents.

However, under annual multi-trip policies, if the child is in full time education at a college or university in or out the Republic of Ireland and:

  1. Resides at the home address in Ireland for 3 or more nights of the week – we can cover that child under a family rated policy and they would be covered for any independent travel; or
  2. Resides at the home address in Ireland for less than 3 nights a week – we can cover that child under a family rated policy, but they are only covered whilst travelling with a family member insured under the family rated AMT (ie the child at university/college would not be covered for a holiday away with the girls/lads).

On the annual multi-trip policy, travel within your country of residence (Ireland and UK only) is covered provided you have 2 or more nights pre-booked accommodation.

Guided cross country skiing, heli-skiing, mono skiing, off-piste skiing or snowboarding, recreational racing, ski-blading, skiing, snow-boarding and snow sledging are all included in the Winter sports option on single trip, annual multi-trip and ski single trip options.

It is a condition of this policy that you will not be covered under the "Cancellation and curtailment" section, the "Emergency Medical Expenses and Repatriation" section and the "Hospital benefit" section for any claims arising directly or indirectly from:

  1. At the time of taking out this policy:
    1. Any pre-existing medical condition you have unless you have contacted the medical pre-screening company and we have agreed to cover you. If your policy is to start on or after the 1st October 2017, you should call 091 560 687. If your policy is to begin before the 1st October 2017 you should call 01 290 8850.
    2. Any medical condition which has been diagnosed as a terminal condition
    3. Any medical condition you are aware of but for which you have not had a diagnosis
    4. Any medical condition for which you are on a waiting list for or have knowledge of the need for surgery, treatment or investigation
    5. Any medical condition affecting you, a relative or a close business associate that you are aware of, that could reasonably be expected to result in a claim on this policy.
  2. At any time:
    1. Any medical condition you have which a medical practitioner has advised you not to travel (or would have done so had you sought his/her advice), but despite this you still travel
    2. Any surgery, treatment or investigations for which you intend to travel outside of your home area to receive (including any expenses incurred due to the discovery of other medical conditions during and/or complications arising from these procedures)
    3. Any medical condition for which you are not taking the recommended treatment or prescribed medication as directed by a medical practitioner
    4. Your travel against any health requirements stipulated by the carrier, their handling agents or any other public transport provider.
You should also refer to the ‘general exclusions which apply to all sections of the insurance’.

If your health or your ongoing medication changes between the date the policy was bought and the date of travel, you must advise the relevant medical screening team as soon as possible. For policies beginning IE-GCU... call - 01 290 8850. For policies beginning IE-GCE.... call - 01 290 8880. They will advise you what cover they are able to provide, after the date of diagnosis. They reserve the right to increase the premium, increase the excess, exclude the condition or withdraw the cover should the stability of the condition make it necessary.

Our policies include emergency medical expenses cover for pregnancy and childbirth from week 0 to week 28 inclusive whilst you are away. From the start of week 29 to week 40 of the pregnancy, there is no cover for claims relating to normal pregnancy and normal childbirth or cancellation. However, medical expenses and cancellation cover will be provided, should complications arise with your pregnancy which fall within the definition of complications of pregnancy and childbirth.

You should take out the policy and then phone the appointed medical pre-screening company by telephone on 01 290 8850 quoting your Policy No. They may impose an additional premium or some restrictions. If you are not happy with these conditions, you have the option to cancel the policy within 14 days of inception (Remember the person with the medical condition must make the call or a guardian in case of a minor).

The policy covers you automatically for a number of acceptable sports and leisure activities, as detailed on page 4 of the policy wording. You are covered to bungee jump up to 3 times, as well as being covered for a number of other activities such as scuba diving up to 30 metres. If you are taking part in any additional activities than those listed under the acceptable sports and leisure activities section then a premium loading may apply.

The quote given is directly related to the information you entered. Therefore, if you entered details for yourself and your spouse, then the quote is for both of you together.

Payments made in respect of insured items that are lost or stolen will reflect the current value of the items, taking into account wear, tear and depreciation from the date of purchase. Click here for a pdf document that shows the deduction which will be applied based on the age of each particular item.

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