Travel Insurance for Ireland

Know more About Travel Insurance

The Republic of Ireland, more popularly known as Ireland, is a country located in North-Western Europe. It shares its only land borders with Northern Ireland, which is part of the United Kingdom. Apart from its connection to Northern Ireland, Ireland is surrounded by the Atlantic Ocean from all sides. 

It is popular worldwide for its love of Beer, as the homeland of the popular beer Guinness, its patron saint, Saint Patrick or St. Paddy, its connection to literature with several popular authors like Oscar Wilde and James Joyce, football, and even music, being home to iconic bands like U2. Each of these aspects, along with its rich heritage, magnificent landscapes, and warm people, makes the country a popular destination worldwide. 

Although it may not draw as many Indian tourists as other countries, Ireland is renowned for its educational policies among student travellers, making it an excellent destination for your next international trip. Although planning an international trip can be time-consuming and requires careful planning, here is how to protect your trip from the financial impact of numerous risks with travel insurance for Ireland from Niva Bupa.

Travel Insurance For Ireland From India

Travel insurance for those not in the know is a risk management system developed to provide financial protection to individuals when travelling. While offered for both domestic and international trips, travel insurance plays an integral role in foreign travel, enabling policyholders to travel with confidence and peace of mind. 

This is achieved by offering financial protection in the form of compensation or reimbursement for the loss incurred in dealing with covered risks. The specific risks for which travel insurance offers coverage are listed in the policy document, which should be referred to at the time of purchasing the policy for more details.

Why do you need travel insurance from India to Ireland?

There are several reasons why a traveller must opt for Irish travel insurance from India to Ireland. Here are a few key reasons you should consider:

1. Travel health insurance Ireland is a mandatory requirement for entry through a port of entry in Ireland. Not just this, in some instances, travellers might have to furnish travel insurance for Ireland policy to get the visa. 

2. Foreign travel is expensive, and having to bear the financial implications of certain risks can result in significant financial loss. 

3. Going outside the norm of daily routine can expose the traveller to increased risk. 

4. Foreign travellers are not eligible for free treatment or social benefits offered to Irish people.

5. Travel Insurance in Ireland offers coverage for loss or delay of checked-in baggage, personal accidents, personal liability, trip cancellation, and dozens of other risks.

Key Benefits Offered by Travel Insurance for Ireland

Before buying any travel insurance policy, a traveller should consider comparing and assessing a policy's key features and benefits to get the best coverage for their specific needs. Here are the key benefits of opting for travel insurance for Ireland from Niva Bupa:

• Niva Bupa offers travellers a simple, convenient, and affordable way to secure their Ireland trip with Irish travel insurance.

• Coverage of up to $500,000 under travel insurance from India to Ireland.

• Niva Bupa provides 24/7 assistance in any emergency to travellers with Ireland travel insurance.

• The policy covers policyholders from expenses incurred due to medical emergencies, personal accidents, COVID-19, medical evacuation, repatriation, pre-existing diseases during emergencies, and more.

• Student travellers with student travel insurance for Ireland are also covered for additional risks, including 100% coverage for pre-existing diseases, study interruption coverage, sponsor protection, dental treatment, maternity expenses, and more.

• Travellers are also covered for non-medical risks, such as lost checked-in baggage or essential documents like passports and visas, missed connecting flights, trip delays, interruptions and cancellations, and personal liability.

What is covered under Travel Insurance for Ireland?

When going on a foreign trip, a traveller might be exposed to several different risks; these risks range in scope and extent. However, risk management systems like travel insurance for Ireland protect travellers from the financial impact of these risks. However, for this protection in the form of compensation or reimbursement to take place, a policy must provide coverage for these risks, which must be the cause of the expenses incurred by the policyholder. 

This is why travellers need to choose Ireland travel insurance with appropriate coverage for their trip. Here are some of the key coverages offered by Niva Bupa to secure travellers from both medical and non-medical risks:

Delay or loss of checked-in baggage: 

This coverage offers partial or complete reimbursement for significant delay or loss. 

Missed connecting flight:

This coverage reimburses you for the extra accommodation and travel costs to reach the next destination if you miss a pre-booked connecting flight due to the original flight running late. 

Loss of passport: 

This coverage reimburses you for the cost of applying for a new passport if the original is lost.

Dental treatment:

This coverage reimburses a pain-relieving dental treatment availed under anesthesia. 

Trip delay, cancellation, interruption: 

These three separate coverages offer reimbursement for part of the travel and accommodation costs if your travel is delayed, canceled, or interrupted due to certain conditions mentioned in the policy document. 

Medical emergency (hospitalization): 

This coverage offers reimbursement for the cost of medical treatment.

Emergency outpatient treatment: 

This coverage reimburses any emergency treatment under OPD. 

Medical evacuation: 

This coverage reimburses the transfer cost from one hospital to another if the primary hospital does not offer appropriate care. 

Emergency trip extension: 

If the trip is extended due to certain exceptional circumstances, this coverage offers an extension of the policy up to 7 days. 

Personal accident: 

This coverage pays a portion up to the sum insured for accidental death or disability.

Repatriation of mortal remains: 

This coverage reimburses you for the cost of transporting the mortal remains of the traveler or the cost of cremation in the city/country of death. 

In addition to this, travellers can also find additional coverage if they opt for student travel insurance, which offers several student-specific coverages, such as sponsor protection, study interruption, and complete pre-existing disease coverage, in addition to what is mentioned above. 

What is not covered under the Ireland Travel Insurance plan?

Whichever travel insurance for Ireland plan or policy a traveller opts for, it is imperative to assess the policy document for any exclusions or specific instances, actions, and risks that the insurer does not cover. Here is a summary of the exclusions listed by Niva Bupa for convenience:

• Treatment for any injury or illness resulting from nuclear or radiological emissions, war or rebellion, and specific acts of terrorism.

• Active participation in military exercises, war games, or engagement with the enemy.

• Any loss or injury due to committing or attempting to breach the law with criminal intent. 

• Expenses for cosmetic or plastic surgery or any treatment to change appearance, including obesity or weight control programs. Unless in certain circumstances as listed in the policy document.

• Maternity expenses.

• Non-prescription or unproven drugs or treatments.

• The provision of fitting hearing aids, spectacles, or contact lenses, including optometric therapy, any treatment, and associated expenses for alopecia, baldness, wigs, or toupees, and medical supplies, including elastic stockings, diabetic test strips, and similar products.

• If the insured person is travelling against the advice of a doctor or is receiving or is on a waiting list for specified medical treatment.

• Death, injury, medical condition, or disability resulting from suicide or attempted suicide, self-inflicted wound or illness, consumption of alcohol or drugs, or depression.

• Countries with travel restrictions for Indians.

• Medical tourism.

• Damages resulting from adventure sports are not covered unless they are part of the coverage.

• Expenses related to any admission specifically for diagnostics and evaluation purposes that are not related or incidental to the current diagnosis and treatment.

Please note that this list is just an excerpt from the policy document. Reading and assessing the exclusions when purchasing a policy is crucial to avoid any last-minute surprises and hassles.

Who Should Buy Niva Bupa Travel Insurance for Ireland?

Any traveller planning to secure their trip with travel insurance for Ireland should consider purchasing the coverage directly from Niva Bupa. Niva Bupa is a leading insurance provider specialising in health and travel insurance, securing millions of people's health and financial well-being each year. Its comprehensive policies offer a wide range of coverages, reliable claim settlement for all genuine claims, and competitive pricing, making them an excellent option for all travellers.

What are the criteria for being eligible for travel insurance for Ireland?

As a traveller looking to purchase travel insurance for Ireland to secure your trip, there are specific requirements you should consider to be eligible for the policy. Here are the requirements for buying travel insurance from Niva Bupa:

• Adults should be between the ages of 18 and 70.

• Dependent children can be from 1 day old to the age of 25.

• Travellers must possess and furnish mandatory documents like copies of passports, visas, income proof, and other relevant papers.

How to buy Travel Insurance for Ireland Online?

With insurers like Niva Bupa offering online portals enabling travellers to buy travel insurance within minutes from anywhere at any time, purchasing travel insurance for Ireland has never been easier. With just these five steps, anyone can buy a comprehensive and reliable insurance policy for an affordable premium directly from Niva Bupa:

1. Enter Your Mobile Number to start the process.

2. Add Trip Details: Select either Single-Trip or Student Travel Insurance and choose Ireland.

3. Select Travel Dates: Ensure accuracy, keeping in mind time zone differences for international travel.

4. Enter Traveller Ages: Enjoy a 10% discount when insuring two or more travellers.

5. Choose Coverage Amount: From $50K to $500K.

6. Select your policy type: Lite, Basic, Comprehensive, or Honeymooners.

7. View Summary: Review plan details, sum insured, travel dates, trip duration, destination, and number of travellers.

8. Provide KYC Details: Review policy terms and give consent for Niva Bupa Health Insurance to download your KYC.

9. Add Personal & Medical Details for all travellers.

10. Make the Payment: Your policy copy will be emailed instantly.

Once the payment is complete, the Ireland travel insurance policy will be emailed to you. Following the five easy steps mentioned above, you can secure your trip with a comprehensive insurance policy from Niva Bupa within minutes. 

When to buy Ireland travel insurance?

Travellers should typically purchase a travel insurance policy as soon as they book their flight tickets and reserve the accommodation for their travel destination to ensure maximum coverage and benefits. However, in certain circumstances, such as when travel insurance is a mandatory requirement for visa approval, it might be needed before applying for the visa. Although this is not explicitly the case for Ireland travel insurance, some application offices have requested an insurance policy in certain instances before approving the visa application. 

In addition, regardless of the visa requirements, purchasing a travel insurance policy earlier enables the traveller to avail of trip cancellation coverage if their trip is cancelled due to certain specific reasons. This coverage is only valid after purchasing the policy, so you may not benefit from it if your trip is cancelled before buying the policy.

Factors Affecting the Premium of Travel Insurance for Ireland

Several factors influence the premium for travel insurance Ireland. These factors mainly range from the traveller's age to the comprehensiveness of the plan opted for, the number of dates the individual will be travelling for, the region they will be travelling to, and the sum insured. 

While not much can change a policy's premium cost, considering the above factors allows one to understand the factors affecting premium prices, allowing the traveller to make an informed decision when choosing a holiday insurance Ireland policy.

What You Need to Know About Filing a Claim for Travel Insurance in Ireland?

Travellers who need to file a claim settlement request for travel insurance can do so easily with Niva Bupa. There are several ways to request a claim settlement from Niva Bupa. Refer to the following methods for a quick and hassle-free claim process.

1. To file an Ireland travel insurance claim, you first need to contact your insurer, Niva Bupa. 

2. You may also contact the global third-party administrator if you are travelling overseas.

3. You can raise a claim for travel insurance online, through mail, or even physically. You can do so both while overseas and when you return to India.

4. You must submit a duly filled claim form along with the required documents based on the type of claim, for example, loss of baggage, trip cancellation, medical emergency, or death.

Besides this, one can make two types of claims in the case of a medical emergency. 

Cashless claim

Niva Bupa is partnered with Europ Assistance, a global third-party administrator, to provide cashless claims to hospitals and healthcare centres worldwide.

• The customer initiates the claim to Europ Assistance via a toll-free number or email. 

• The TPA-Europ Assistance will contact the customer and provide them with the required Ireland travel insurance details.

• Europ Assistance will then initiate the GOP (Guarantee of payment) process with the hospital where the customer will receive treatment.

• Europ Assistance will request the documents from the hospital or the customer and, after assessing the claim, send them to Niva Bupa for approval/rejection/query/investigation.

• Our medical team will approve the claim by email.

• The GOP will be released to the hospital as per the amount claimed.

• The hospital will contact the Europ Assistance team if any additional amount is required.

• At discharge, documents will be sent to Europ Assistance and approved accordingly.

• After discharge, the hospital will send the documents to Europe Assistance for settlement with the hospital.

Reimbursement Claim 

Mandatory Documents Required for Reimbursement Claims

1. Claim form
2. KYC
3. Cancelled cheque of the proposer
4. Discharge summary 
5. Final bill along with break-up
6. Payment receipt
7. All investigation reports 

Ireland Visa Details and Entry Information

Visas to Ireland have been divided into several categories depending on the activities and the duration of stay in the country. Here is some essential information about Ireland visa to note when planning your trip to the country:

Navigating the Ireland Visa Application Process with Ease

Applying for an Ireland visa requires travellers first to fill out the application using the online visa application system AVATS, print out the application form physically, sign it, and send it along with their passport and other relevant documents, such as proof of finances, proof of employment, marriage certificate, and any other required documents, to the application office. 

This office can vary depending on where you are from; however, it is typically an embassy or consulate for international applicants, including Indians. Once the application is received, it may take up to three months for a decision to be made. In certain circumstances, the application office might require additional information or documentation before approval. Once the decision is made, applicants can quickly get the visa, book their flight tickets, and reserve accommodations.

What are the Travel Documents Required While Travelling from India to Ireland?

As a traveller planning to visit Ireland, there are several documents that they must consider and carry with them. Here are some of the key documents to consider and take for a quick and hassle-free trip.

• Indian passport with at least three months of validity
• A valid Ireland Visa
• Return ticket or proof of onward journey from Ireland
• Proof of accommodation in Ireland, along with the address
• Proof of sufficient funds for your stay in Ireland
• Two recent passport-sized photographs
• Travel Health Insurance Ireland

Which is the Best time to Visit Ireland?

The best time to visit Ireland depends on the traveller’s specific requirements and what they are looking for. 

The peak time for tourists visiting Ireland is during summer, from June to August, when the temperature ranges from 16°C to 22°C. The weather is pleasant, with a little bit of rain. This season is excellent for tourists visiting Ireland for festivals and events. It also offers pleasant weather for exploring the countryside and hinterlands. However, it is essential to note that travel and accommodation costs during this time are expensive, and buying them well in advance is advisable to avoid high costs. 

Besides this, March to May (Spring) and September to November(Autumn) are also some of the best times for tourists. Although it's not as popular as the peak season for visiting the country, it offers budget-friendly options for tourists, albeit during cold and rainy periods. The winter months of December to February are cold, with heavy rain featuring temperatures ranging from 4°C to 10°C, which is not great for tourists, but those who wish to experience a mood-style landscape will love this time. 

What are Some of the Major Ireland Tourist Places?

Travellers planning a trip to Ireland for tourism must consider visiting some of the most popular tourist destinations to experience what the country has to offer. Here are some of the major tourist attractions for Ireland visitors:

1. Cliffs of Moher

   These fantastic cliffs stretch 700ft above the Atlantic coast and are one of Ireland's most recognisable and picturesque destinations.

2. Guinness Storehouse

   Ireland is known for its love for beer; nothing showcases that more than the Guinness Storehouse. Crowned the world’s leading tourist attraction, the Guinness Storehouse is the place to be for all beer enthusiasts. 

3. Kilmainham Gaol Museum

   This old jail, which has been turned into a museum, is one of the most popular tourist attractions. Here, travellers can see many historical and relevant relics and items.

4. Killarney National Park

   Ride a horse-drawn carriage, walk through the woods, and experience a magical world with your friends and loved ones. 

5. The Little Museum of Dublin

   Get a guided tour through the history of Dublin and Ireland while exploring some of the relics of the past, from telephones to old posters of historical significance.

6. St Stephen's Green

   Immortalised in one of the greatest literary works in the world, Ulysses by James Joyce, this park features an impressive central lake. It is an excellent place for travellers to relax amongst themselves.

What are some popular Indian Resorts to Visit in Ireland?

Ireland has a thriving Indian food scene, particularly in its major cities, offering a mix of traditional and modern Indian cuisine. Here are some of the most famous and highly-regarded Indian restaurants across the country:

• Ananda: Ananda is a modern fine-dining Indian restaurant that has been recognised in the Michelin Guide. Located in Dundrum, it's celebrated for its elegant ambience and innovative approach to Indian cuisine, blending traditional flavours with a contemporary twist.
• Bombay Palace: A long-standing restaurant in Cork City, Bombay Palace has been serving authentic North Indian cuisine since 1998.
• Coriander: This restaurant offers a blend of Indian and Nepalese cuisine. With locations in Douglas and Ballincollig, it has gained a reputation for its flavorful dishes and has been well-received by diners.
• Hyderabad House: Known for its authentic Hyderabadi cuisine, this restaurant is particularly famous for its biryanis.
• Kashmir Restaurant: As Galway's oldest Indian restaurant, established in 1994, it specialises in bringing the rich flavours of Kashmiri cuisine to life and is a popular spot for both locals and tourists.

What are Some Fascinating Facts About Ireland?

From mildly interesting to insane, here are some fascinating facts about Ireland that you should know about Ireland:

• If you like Halloween, you should know that it originated in Ireland.
• Ireland is also known as the Emerald Isle due to its majestic landscapes and greenery. 
• In an ironic twist of fate, Ireland’s Patron saint, Saint Patrick, was not Irish but of British and Welsh origin. 
• The Guinness company does not own the original brewery from which the world-famous Guinness Beer originated; it is taken on a 9000-year lease.

Do’s and Don’ts to Keep in mind During Your Ireland Visit

As with any other country, while Ireland is one of the safest countries to visit, it is also essential to consider the risks and take precautions to protect oneself and one's interests. Here are some safety and valuable tips for you to consider during your Ireland visit:

1. Always keep your passport safe and secure in something like the hotel’s lockers.
2. Make sure to have a copy of the passport at all times for identification
3. Don’t engage in any verbal or physical fight with a local citizen
4. Do not take part in any unlawful activities
5. Do not visit any isolated locations alone
6. Keep a note of your belongings to avoid losing them