Covid 19 (Coronavirus) FAQs
If the Department of Foreign Affairs has advised against travel to a specific location because of a Covid-19 outbreak, will my travel insurance policy cover a cancellation claim where I had a holiday booked prior to this advice?
You will be able to claim for cancellation provided that the Department of Foreign Affairs has issued a travel advice status of “Avoid non-essential travel” or “Do Not Travel” to the specific location or area.
All cover is subject to individual policy limits.
We will only consider non-refundable expenses on your travel insurance policy, so in the first instance, you should approach the airline, tour operator or travel company for a possible refund or to see if they will amend the itinerary.
If the policy was taken out or the trip was booked after the Department of Foreign Affairs advice changed to ”Avoid Non-Essential Travel” or ”Do Not Travel”, you will not be able to claim.
What are my entitlements if the airline cancels my flight?
If your flights are cancelled by the airline, you must contact the airline directly regarding your options.
If my flight is cancelled due to the Department of Foreign Affairs advice, can I be refunded for pre-booked accommodation?
If you booked your accommodation through your travel provider, you will need to contact them directly to seek a refund. If you booked your accommodation independently, you must first seek a refund from the accommodation provider.
If this is unsuccessful, please contact our travel insurance claims team by calling (01) 2901999 or Email: email@example.com
If the Department of Foreign Affairs has advised against travel to a specific location as a result of a Covid-19 outbreak and I have already booked and paid for flights to that area before the travel advisory was issued, will my travel insurance cover the cost of those flights if I cancel them and don’t fly – even if the Airline operate the flights as normal and fly into the affected areas?
You will be able to claim for the cost of the non-refundable flight, provided that the Department of Foreign Affairs has issued a travel advice status of “Avoid Non-Essential Travel” or “Do Not Travel” to the specific location or area. All cover is subject to individual policy limits.
In the first Instance, you should seek compensation from the airline. In some cases, if the Department of Foreign Affairs advises against travel to a specific location it is likely the airline will stop flying to the area and will then offer a refund or change of flight. If the policy was taken out or the trip was booked after the Department of Foreign Affairs advice changed to ”Avoid Non-Essential Travel” or ”Do Not Travel”, you will not be able to claim.
If the Department of Foreign Affairs has issued a travel advice status of “Avoid Non-Essential Travel” or “Do Not Travel” to a specific location and I decide to ignore this advice and travel anyway would I be covered?
If you travel against the advice of the Department of Foreign Affairs, any claim arising directly or indirectly from this will not be covered.
My flight isn’t cancelled, but I no longer want to travel. Can I get a refund?
If your flight is proceeding as planned and the Department of Foreign Affairs has not issued a travel advice status of ”Avoid Non-Essential Travel” or ”Do Not Travel” to your specific destination, then you will not be able to claim. However, if the Department of Foreign Affairs has issued such a travel advice status, then you should approach your airline to request a refund. If your flight isn’t cancelled, please contact our travel insurance claims team by calling (01) 290 1999.
The locations being affected by Covid-19 is constantly evolving so we advise checking the latest information on the Department of Foreign Affairs website here.
If I suffer a loss of earnings and or additional costs (such as food, personal hygiene products, etc.) due to being in quarantine abroad because of the Covid-19 virus, will my travel insurance cover any such costs?
There is no cover under the policy for Consequential Loss (such as food, personal hygiene products etc.) or loss of earnings.
Will my travel insurance cover any additional Travel and Accommodation costs incurred in the situation where I must go into quarantine abroad?
We would assume that additional accommodation costs arising from forced quarantine at pre-booked accommodation or elsewhere, would be met by local authorities. You will be able to claim for any irrecoverable, unused accommodation and other unused prepaid charges and reasonable additional travel costs to return home once the period of quarantine has ended. If you cannot return home as scheduled due to being quarantined, the policy will automatically be extended at no extra cost for 30 days until you are able to return to Ireland.
Does my travel insurance cover the cost of medical expenses which arise because of I fall ill with the Covid-19 while on holiday?
Yes, we will cover the cost of medical expenses which arise because of you falling ill with the Covid-19 virus while on holiday, where you don’t have Private Medical Insurance, and this is noted on the schedule. However, If you have travelled against the Department of Foreign Affairs travel advice status of ”Avoid Non-Essential Travel” or ”Do Not Travel”, then no cover will apply.
If you fall ill on holiday, you should contact our Global assistance service operated by Healix, Tel: +44 8763 3074 or Email: firstname.lastname@example.org
Would any ATOL (Air Travel Organiser's Licence) compensation arrangements operate here if I must cancel my trip?
No. These relate to the failure of the providers of package holidays, and not for a major medical outbreak like Coronavirus.
How does the new Green List of Countries affect my Travel Insurance cover?
As of the 21 July 2020 the Government has published a list of 15 countries where the Department of Foreign Affairs has amended it’s travel advice from an ”Avoid Non-Essential Travel” or ”Do Not Travel” advice to a “normal precautions” (“green”) rating. This means that from that date customers who have a Travel Insurance Policy can make Non-Essential trips to these countries and the Insurance Policy will operate as normal. These locations are:
• San Marino*
*Removed from Green List with effect from 4th August 2020
The Department of Foreign Affairs encourages you to register your contact details on Citizens’ Registration, which allows them to contact you and provide assistance in the event of an unforeseen crisis or family emergency while you are overseas: https://www.dfa.ie/travel/citizens-registration
Further useful links and Information
The European Centre for Disease Prevention and Control: https://www.ecdc.europa.eu/en/novel-coronavirus-china
The Health Protection Surveillance Centre: https://www.hpsc.ie/a-z/respiratory/coronavirus/novelcoronavirus/
Reciprocal Healthcare Agreements - European Union
If you are planning to travel to countries in the European Union, or Iceland, Liechtenstein, Norway or Switzerland you should take a European Health Insurance Card (EHIC) with you. The EHIC will allow you to benefit from the Reciprocal Healthcare Agreements (RHA) which exist with these countries.
You should take reasonable steps to use these arrangements where possible.