Frequently Asked Questions

If your cover does not meet your requirements, please notify us within 14 days of receiving your documents for a refund of your premium. Contact us by telephone: 01 448 48 48, or email:

If during this 14 day period you have travelled, made a claim or intend to make a claim, then we can recover all costs that you have used for those services.

Please note that your cancellation rights are no longer valid after this initial 14 day period.

No, you are only covered if your main home and your doctor are registered within the Republic of Ireland and you have not spent more than six months abroad in the last 12 months. 

No, Allianz travel insurance may be purchased independently. 

Yes, as well as policies for single trips of up to 180 days we also offer annual multi-trip cover. The annual multi-trip policy provides cover for any number of trips throughout the policy year as long as no one trip within this period exceeds the specified individual trip limit. When you purchase an annual multi-trip policy you are offered the choice of a 35, 60 or 90 day individual trip limit. Cover within Ireland / UK is also included although certain terms apply (see policy document for full details). 

There is no maximum age for our single trip policy. For our annual multi-trip policy the maximum age is 64 at the date of issue and for the backpacker policy the maximum age is 35 at the date of issue.

You are able to purchase one of our Single Trip polices which has no age limit.

For single trip and backpacker cover Cancellation cover begins from the date your policy was issued, which is shown on the e-mail confirmation that was sent to you when you purchased the policy. All other aspects of the cover are effective from the start date of your trip and finish when you return back to the UK or the expiry date of the policy.

For annual multi-trip cover
Cancellation cover begins on the start date of your policy, which is shown on the e-mail confirmation that was sent to you when you purchased the policy or the date you booked your trip, whichever is the later and finishes at the end of your trip.

Under all policies
Cover ends on the expiry date of your policy, which is shown on the e-mail confirmation that was sent to you when you purchased the policy, unless you cannot finish your trip as planned due to injury, illness or delays to public transport systems.

  •       Single trip cover can be purchased for trips up to 180 days. 
  •        Annual multi-trip policy covers you for multiple trips during the year but no one trip within this period exceeds the specified individual trip limit. When you purchase an annual multi-trip policy you are offered the choice of a 35, 60 or 90 day maximum individual trip limit.
  •        Backpacker cover can be purchased for trips up to 180 days.

All cover ceases when you return home and unfortunately there is no refund of premium if you return earlier than originally planned.

Yes. Some exclusions and conditions are specific to individual sections and general exclusions and conditions apply to the policy overall. There is also a health declaration with health exclusions that apply to the

emergency medical expenses, cancellation, curtailment and personal accident sections of cover. Please read the policy wording carefully to ensure the cover meets your needs. 

Existing medical conditions are not covered unless they have been declared and accepted in writing by the insurer. You will not be covered for any directly or indirectly related claims arising from the following if in the 12 months before taking out this insurance or booking your trip (whichever is later), you: a) have been prescribed medication; b) have received treatment or attended a medical practitioner for any medical condition; c) have attended a hospital or a clinic as an out-patient or in-patient; d) have been referred for tests, investigations, treatment, surgery or are awaiting results.

e) have been diagnosed as having a terminal illness.


You have declared any existing medical conditions to the insurer and they have confirmed cover in writing.
Please read the full Health declaration and health exclusions detailed in the policy wording.      

  • Health Declaration (26 Kb)

Our confidential medical screening service can be contacted on 1890 882822 or

You will need to purchase our optional winter sports cover if you are planning a skiing, snowboarding or other winter sports activity. Allianz travel insurance covers many adventurous activities. Please refer to the definition of 'Hazardous activity' within the policy document and click on the link below to see what sport and leisure activities are covered under the policy. 

If in doubt, please give us a call on 01 448 48 48 or email: .
  • Hazardous Activities (17 Kb)

Most of our policies include cover for personal money and have a sub-limit for the amount of cover for cash. There is a summary of cover provided during the quote process and also in the policy wording.

Yes, any unforseen emergency medical and associated expenses will be covered so long as: •    Your doctor confirms you were not travelling against medical advice and were fit to travel and able to undertake the planned trip •    You complied with the transport provider's conditions of carriage relating to pregnancy

You will also be covered for cancellation if you are advised not to travel due to your pregnancy or where you cannot comply with the transport provider’s conditions of carriage

No, the European Health Insurance Card only entitles you to State healthcare at a reduced cost, or sometimes for free, when you are in a European Union country plus Iceland, Lichtenstein and Norway. The EHIC does not cover any medical treatment in a private hospital or clinic or the cost of additional accommodation or bringing you back home. It is important to have both an EHIC and travel insurance. If you use your EHIC you will not have to pay the policy excess.

Remember: Few European Union (EU) countries will pay the full cost of all medical treatment, even under the EU’s healthcare arrangements, and the EHIC doesn’t cover private medical treatment. In a medical emergency the closest hospital or the hospital you are taken to may be private.

The cost of medical treatment abroad varies considerably from country to country. While countries in European Union may offer customers treatment in state or public hospitals in other countries the healthcare system is mainly in private hospitals (particularly in the USA and Canada). Medical costs in the USA (particularly California, Florida, Arizona and New York), Canada, Mexico, Dominican Republic, Hong Kong, Singapore and Dubai can be very expensive.

Category: Travel Insurance

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