Travel Insurance Frequently Asked QuestionsFor some people, Travel Insurance can be a difficult to fully understand. With this in mind, we have put together some frequently asked questions that we have often been asked to explain. Below are some of the questions and answers to each.

How many times can I go away if I have an Annual Multi Trip policy?
There is no restriction on the number of times you can go away during the period of this insurance however; there is restrictions on any one trip duration may be limited. You should always check your policy to make sure your trip does not exceed the maximum trip duration allowance.

What is the maximum age limit on an Annual Multi Trip policy?
The maximum age limit is 75 years. (Persons 70-75 years must hold Private Health Insurance with VHI, Laya or Aviva)

What is the maximum age limit and length of any one trip on an Annual Multi Trip policy?
If you are between the ages of 19 and 65 years old, the maximum duration that Essential Cover allows is 31 days. For Premier Cover it is 60 days and for Premier Plus Cover it is also 60 days.

If you are between the ages of 66 and 69 years, the maximum duration that Premier or Premier Plus allows is 31 days.

If you are between the ages of 70 and 75 years old, the maximum duration Premier or Premier Plus 21 days (and you must hold Private Health Insurance with VHI, Laya or Aviva). Unlimited number of trips for all age categories and for anyone over these age limits looking for a quotation please click here.

I’ve left the Republic of Ireland and forgotten to get insurance. Can I still get cover with you?
Unfortunately not. Travel Insurance must be purchased prior to your departure from the Republic of Ireland unless you have purchased this insurance using a Wi-Fi connection whilst travelling on an aircraft or train but before you reach your first international destination.

What do you mean by “pre-existing medical condition”?
A “pre-existing medical condition” is any condition for which you/your travelling companion have received medical advice, treatment or medication for in the last 2 years. For further information please see your Policy Wording.

What is an excess?
The amount you have to pay towards the claim. In practice this is deducted from any settlement amount and is charged per person per claim.

When should I contact the Emergency Assistance service?
In the case of any medical emergency or the need to curtail your trip due to an insured reason, please call our Emergency Assistance Team. If you have Private Health Insurance, then you must also contact them and inform them of your medical emergency. Contact details can be found in your Policy Wording.

For all your Travel Insurance needs, log onto Multitrip.com or call 0818 44 44 44 in Ireland or 0333 355 6181 if you are in the UK to book your policy.