Types of travel insurance
At Aviva, we understand that how we travel has changed, but you can still enjoy peace of mind with our travel or holiday insurance - now including Covid-19 medical expenses and cancellation cover. Find out more information about our single trip, annual multi-trip, backpacker insurance and winter sports travel insurance policies.
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Single trip insurance
A Single-Trip policy covers you for one holiday of up to 31 days. To get a Single-Trip quote, simply choose the number of days you are away, or click on the calendar and select the dates you leave and return. Remember that if your holiday is 7 nights, you need 8 days cover, and if you are away for 14 nights, you need 15 days cover.
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Multi-trip insurance
An Annual Multi-Trip policy could save you money if you are going on holiday more than once this year. It offers cover for up to 90 days travel in the year, but no holiday can be longer than 31 days. With an Annual Multi-Trip policy, you can also be covered for holidays in Ireland provided that you spend at least two nights in accommodation you booked before your departure.
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Backpacker cover
Available for a single trip for leisure, study and/or incidental work which begins and ends in the Republic of Ireland. Backpacker travel insurance means you'll be covered for emergency medical expenses, cancellation costs, personal property/money losses, and a range of other covers while you're on your trip abroad.
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Winter sports travel insurance (optional cover)
Winter sports are a thrilling way to spend your time. Unsurprisingly, whether you are experienced or a novice attempting winter sports activities unfortunately at times injuries can occur. At Aviva, we strive to offer the best winter sports travel insurance covering skiing, snowboarding, tobogganing and outdoor ice-skating.
Cover options
We have created the following options so you can choose the cover you want when you travel. Customise your own travel insurance cover based on your individual needs.
Holiday Plus Travel Insurance
You can pay a lower premium by choosing our Aviva Holiday Plus Travel Insurance cover option, but ONLY if you have Private Medical Insurance covering Emergency Medical Expenses abroad.
Optional Winter Sports Cover
If you will be undertaking any Winter sport activity, you must choose cover for Winter Sports.
Car Hire Excess
Add Car Hire Excess Cover to your single/annual European policy from as little as €2.39/€39.99 per day/ per year.
Benefits of travel insurance
It is important that you understand that Aviva Travel Insurance PMI Plus is different from our other travel insurance products. You may only buy Aviva Travel Insurance PMI Plus if you have Private Medical Insurance covering Emergency Medical. Aviva Travel Insurance PMI Plus is suitable for individuals, couples and families.
Click on the options below to show the benefits of each different cover.
Holiday
Aviva Holiday Travel Insurance
Important notes about your insurance:
- Now including Covid-19 medical and cancellation cover.
- Cover is only available to Irish residents.
- Premiums include a 5% Government levy and €1 stamp duty.
- For each person insured an excess of €90 per section is deducted from each claim under sections marked with an asterisk*.
The following table is a summary of cover. Full details are provided in the policy documents:
| Cover Section | Benefit Amount. For each person insured we pay up to.. | Standard Holiday | Standard Holiday Including optional Winter Sports |
|---|---|---|---|
| Chubb assistance | Unlimited | ||
| Cancellation & Curtailment* | €3,000 | ||
| Travel delay | a) €20 after 12 hrs delay, €10 after next 12 hrs etc. (max. €100) b) or €3000* if holiday abandoned after 24 hrs delay (outward) | ||
| Missed departure* | €500 | ||
| Personal accident | €30,000 | ||
| Medical/additional expenses | €5,000,000 | ||
| Hospital benefit | €20 for each 24 hours (max €400) | ||
| Personal property* | €1,500 (Limit for any one item - €250; limit for set of golf clubs - €250; total payable for all Valuables - €250.) | ||
| Money* | €500 | ||
| Lost passport/driving licence | €500 | ||
| Hijack | €50 for each 24 hours (max €500) | ||
| Personal liability | €2,500,000 | ||
| Legal advice/expenses | €30,000 | ||
| Winter sports (optional) | Ski Hire - €20 per day Lack of snow - €20 per day Unused ski pass - €75 per week Avalanche cover - €100 |
Holiday Plus
Aviva Holiday Plus Travel Insurance
Important notes about your insurance:
- Now including Covid-19 medical and cancellation cover.
- Cover is only available to Irish residents.
- Premiums include a 5% Government levy and €1 stamp duty.
- For each person insured an excess of €90 per section is deducted from each claim under sections marked with an asterisk*.
The following table is a summary of cover. Full details are provided in the policy documents:
| Cover Section | Benefit Amount. For each person insured we pay up to... | Travel Plus Holiday | Travel Plus Holiday Including optional Winter Sports |
|---|---|---|---|
| Chubb assistance | Unlimited | ||
| Cancellation & Curtailment* | €3,000 | ||
| Travel delay | a) €20 after 12 hrs delay, €10 after next 12 hrs etc. (max. €100) b) or €3000* if holiday abandoned after 24 hrs delay (outward) | ||
| Missed departure* | €500 | ||
| Personal accident | €30,000 | ||
| Medical expenses payable only if your medical costs exceed the limit provided by your Private Medical Insurer expenses | €5,000,000 | ||
| Hospital benefit | €20 for each 24 hours (max €400) | ||
| Personal property* | €1,500 (Limit for any one item - €250; limit for set of golf clubs - €250; total payable for all Valuables - €250.) | ||
| Money* | €500 | ||
| Lost passport/driving licence | €500 | ||
| Hijack | €50 for each 24 hours (max €500) | ||
| Personal liability | €2,500,000 | ||
| Legal advice/expenses | €30,000 | ||
| Winter sports (optional) | ski hire - €20 per day Lack of snow - €20 per day Unused ski pass - €75 per week Avalanche cover - €100 |
Standard Backpacker
Aviva Backpacker Travel Insurance
Important notes about your insurance:
- Now including Covid-19 medical and cancellation cover.
- Cover is only available to Irish residents.
- Premiums include a 5% Government levy and €1 stamp duty.
- For each person insured an excess of €90 per section is deducted from each claim under sections marked with an asterisk*.
The following table is a summary of cover. Full details are provided in the policy documents:
| Key Benefit | Key Exclusion | Maximum Payable | Excess |
|---|---|---|---|
| Medical Expenses* | Pre-existing conditions or travelling against the advice of a doctor | €2,000,000 | €100 |
| Cancellation & Curtailment* | a) Any medical condition for which you or a member of your immediate family have received treatment or advice form a doctor in the 12 months prior to applying for a policy b) If you are aware of any reason at the time of booking the holiday or purchasing travel insurance that the holiday may be cancelled | €2,000 | €100 |
| Personal property* | a) Max limit of any one item is €250 b) Items that are left unattended (e.g. on the beach | €1,000 | €100 |
| Personal accident | If death, loss or disability is due To disease or any physical defect, injury or illness which existed before the Holiday | €15,000 | Nil |
| Overseas legal expenses | Any criminal or wilful act | €15,000 | Nil |
| Travel delay | a) If the person insured has not allowed sufficient time for the journey b) If a missed departure caused by strike or industrial action could have been reasonably expected when the journey was booked. | €100 | Nil |
| Hospital benefit | Institution must be recognised as a hospital in the country of treatment | €200 | Nil |
| Money | If the loss or theft of money is not reported to the Police within 24 hours of discovery | €200 | €100 |
| Loss of passport/ driving licence | If the loss or theft of passport and/or driving licence is not reported to the Police within 24 hours of discovery. If the passport and/or driving licence is stolen from an unattended vehicle unless it was in a locked boot and there is evidence of forced entry | €500 | Nil |
| Hijack | If you are in a country at war | €500 | Nil |
| Personal liability | Any person under your contract of service or member of your family | €2,500,000 | Nil |
| Mugging | If the mugger or attacker is known to you | €500 | Nil |
| Search and rescue | If you are in a country at war | €5,000 | Nil |
| Catastrophe | Any disinclination to travel | €500 | €100 |
| Hazardous activities | If you do not wear the recommended/recognised safety equipment and follow safety procedures, rules and regulations | €1,000,000 | €250 |
| Extreme activities | If you do not wear the recommended/recognised safety equipment and follow safety procedures, rules and regulations | €1,000,000 | €500 |
Need to make a claim
Emergency Assistance
In the event of a medical emergency abroad you must contact Chubb assistance on:
Chubb Assistance can help you with medical advice, payment of medical bills abroad and arrange for you to be brought home if this is medically necessary.
Making a Claim
There are several reasons you may need to claim under your policy. You can read about the most common ones here.
Covid-19 - What we cover
It's important that you know what Aviva Travel Insurance will and won't cover for Covid-19 so that you can decide whether this policy meets your needs.
We'll cover cancellation costs if you or someone you're travelling with:
- Contracts Covid-19 before your trip.
- Is required to quarantine on orders of a treating doctor/HSE, and the period of quarantine goes past your original departure date.
Important Note: Covid-19 "positive" test must be certified in writing as specifically relating to You or Your Travelling Companion(s) by a test that is recognised by the Republic of Ireland Government, including such a test that is carried out by a licensed pharmacy, a licensed laboratory or the treating Doctor.
What Covid-19 cover do you have when you’re on holiday:
- We will cover overseas medical and repatriation (the cost to get you home) expenses provided you are not travelling to areas where the Department of Foreign Affairs (DFA) allocates a security status of "Avoid non-essential travel" or "Do not travel".
- We'll also cover any additional accommodation (room only) and travelling home costs you may have if you are required, on the orders of a Doctor, to quarantine on holiday, if the period of quarantine goes past your original return date.
At Aviva, we recommend that you follow the advice of the Department of Foreign Affairs.
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