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About AIB Travel Insurance

The ACE Group is one of the world’s largest property and casualty insurers employing more than 8000 people in nearly 50 countries around the world. Companies within the ACE Group enjoy strong financial ratings from leading rating agencies. Find out more about ACE – here
  
Q - How can I pay for my policy? 
A - You can pay on-line with an Irish credit card.

Q - Do I have to pay medical expenses and claim them back or will you pay them directly? 
A - If it’s a medical emergency and you are admitted to hospital, our emergency assistance service will guarantee the fees of the hospital and attending doctor(s) – so you don’t have to pay. In cases where the expenses are small, you may opt to pay, or be asked to pay, and claim the money back. Please talk to our emergency assistance service, unless the case is very minor, and they will decide what to do.

Cover questions

Q - My home contents policy covers personal effects and valuables outside my home. Can I cancel the baggage section of your policy and pay a lower premium? 
A - There may be cover under some household contents insurance policies, but the limits may be lower than those under our policy and claiming may affect your premium. Our policy does not have an option to de-select personal effects cover. But we guarantee not to ask your home contents insurer to reimburse us if we pay a claim, so your home contents premium won’t be affected by a holiday loss. 
 
Q - We are insured as a couple, do we each have the amount of cover described in the policy or do we share it? 
A - Each of you is covered separately up to the limits shown in the policy. The policy limits apply in the same way as they would if you had taken two separate policies.

Q - What am I not covered for?
A - We have highlighted what we believe are the most important exclusions in the FAQ’s, Summary of Benefits, and on the statements we ask you to confirm before you buy our cover. It is not possible for us to list everything you will not be covered for and we strongly advise you to read the full policy wording. Under each section of cover you will find a list of exclusions on the right hand side of the page and a further list of General Exclusions in Part IV towards the end of the policy wording. These sections must not be read in isolation, but within the context of the full policy wording. If you have any doubts about what is not covered, please contact us.

Residency

Q - What do you mean by the term Irish resident?
A - Someone who has been living in the Republic of Ireland for at least 3 months prior to the date cover is applied for. If you are not returning to the Republic of Ireland, please click here.

Q - I am Irish but my partner does not have Irish citizenship, can we purchase a policy to cover us as a couple? 
A - Yes, provided you are both resident in the Republic of Ireland and your partner is your spouse or a person of either sex with whom you have been living for at least three months as though they were your spouse.

Q - I live overseas. Can I buy your insurance?
A - Sorry, only residents in the Republic of Ireland can buy our insurance.

Children

Q - Can I insure my children as well? 
A - No, sorry our 65+ Travel Insurance does not include an option to insure children.

Single direction journeys

Q - I am going to live abroad and am not returning to the Republic of Ireland. Can I buy your annual travel insurance?
A - Sorry, our policy does not cover single direction trips. Trips must begin and end in the Republic of Ireland and you must be resident here.
  
Q - I am starting my journey from another country, but returning to the Republic of Ireland after 28 days. Will your policy cover me?
A - Sorry, trips must begin and end in the Republic of Ireland.

Pregnancy

Q - I am pregnant will I be covered?
A - Yes, provided you are at least 14 weeks away from your Expected Due Date on the day you return from your holiday trip. If you are at least 14 weeks away from your Expected Due Date on the day your holiday trip is to end, but you give birth during that holiday, your baby will automatically be covered by our policy. If you are less than 14 weeks from your Expected Due Date on the day your holiday trip is to end, you cannot be covered by our policy.

Medical Conditions

Q - I have a medical condition, can I be covered?
A - Before you buy a policy, we ask you to confirm a number of important declarations about your health. To review these simply, click on the relevant price for the cover you need. If you cannot confirm all these points you cannot be covered.

Briefly, you cannot be covered for any medical condition for which you have received medical treatment or advice during the 12 months prior to taking out this policy. Furthermore, you cannot be covered for cancer, any heart/circulatory- or any lung/breathing-related condition, or any psychiatric or psychological disorder that you have previously suffered, or are currently undergoing treatment for.