Do You Need Travel Insurance for Your Ireland Trip?

Do You Need Travel Insurance for Your Ireland Trip?

This is a very common question that most people ask when planning their trip to Ireland.

Unfortunately, there is no direct answer to this as it depends on so many variables. For example, the part of Ireland; Northern or Southern, that you are traveling to will greatly determine if you will be needing travel insurance or not.

For you to decide whether or not you will be needing travel insurance for Ireland trip, there are a few things you will need to consider first.

When going on a holiday to the med we wouldn’t dream of leaving without insurance, do we feel the same way about Irish trips?!

How Much Risk Are You Willing To Take?

This often varies depending on the individual’s budget. For some people, this can go as high as €3000 or more.

To get a better grasp of this question, you can think of it this way, “If something happened to prevent my family and me from going on this trip, how badly will the financial constrains affect us?”

Thinking of this question, you have to start exploring possibilities such as your willingness to either reschedule to trip or replace it with something else. If you are in the category that wouldn’t mind any of those two options, then you should seriously consider getting your travel insurance.

Having travel insurance, in this case, will help you avoid further spending as you would otherwise lose all the payments made for the initial trip.

What Is The Use Of Travel Insurance?

Before going deep into a conversation about whether or not you need to get one, you will firstly need to understand what exactly a travel insurance is for.

A standard packaged policy that typically costs about 4-8% of your trip cost often covers events like the trip being cancelled or delayed, interruptions that might require you to return home out of the blues, medical costs, and missing properties.

To boost this up, you can get additional options like ‘cancel for any reason’, medical evacuation coverage, and medical overage.

However, you need to always remember that what each policy covers exactly is dependent on the insurance company. Therefore, you need to make sure you thoroughly research and make comparisons before deciding on which company to go with.

In the process of researching, you might come to realize that you already have a bit of travel insurance that you didn’t know about. This is more probable if you are using a credit card to pay for the traveling expenses or you already have homeowner or renters insurance.

Also, you can research a bit about your insurance coverage and see if you are covered for events like theft and losses away from home. You should also talk with your insurance agent especially if you will be leaving home with some expensive electronic devices, to know if you have an inexpensive rider on your policy. This cover could help you if you lose these devices during travel due to theft.

Other Things to Consider

After getting the above sorted, you need to consider how far off in the future the trip is going to be and how you will get about when there. Purchasing Clean Green Cars Motor Trade Insurance is worth looking into for your driving needs and when it comes to the holiday itself, the farther it is the higher the likelihood of it being cancelled. You will want to get a cover like ‘Cancel for any reason’ to protect you.

While you cannot expect to be paid all your money back, getting up to 75% of your expenses back will go a long way in easing the pain of missing out on your long-awaited trip. However, you need to understand that this cover is quite a time-sensitive and most often needs to be purchased at the latest 2 weeks after the first payment has been made for the vacation.

Where And When Should I Get A Travel Insurance?

A lot of trip operators, airlines, cruise companies and so on offer travel insurance. However, it is no secret that their offers either have a mark-up or are nowhere near as good as those offered by third-party insurers.

Quick research on the internet will bring you thousands of options. However, you need to make sure that you do your homework well enough so you can get the best possible policy that will give you exactly what you want.

And do not forget, you can always purchase your travel insurance at any point before your trip. However, I often tend to purchase mine just after I have secured both my flights and rental. That way I am protected against events like the travel company going bankrupt or something similar.

So, if you are still wondering whether or not you need to purchase travel insurance for your Ireland trip, I will tell you that only you can truly answer that. Even though you might not need it at the end of the day, the catch is that you will never know if you will need it till you are needing it. And that will be a tad bit too late.

So, do it buy it? Not always. But am I thankful when I do purchase it and turns out I need it? Always!