PDF MultiTrip Travel Insurance, worldassist@vhi.ieVhi Covid-19, VHI MULTI TRIPFAQs - Multitrip, travel insurance quotes Ireland, Travelinsurancev Hi multi trip policy document definition, list of emergency telephone numbers.
75 years is the maximum age limit.Persons 70-75 years old must hold Private Health Insurance with minimum of 55,000 of medical cover abroad and have their private health insurance declared on the policy.
A minimum of 55,000 is required to hold Private Health Insurance.If you are over these age limits, please click here.
There is no restriction on the number of times you can go away during the period of this insurance.
The named adults can travel independently on a Multitrip cover.If each child is accompanied by a responsible adult 18 years or over, the child will be insured to travel on their own.If the child is travelling on an organised school or college trip only and with a responsible adult 18 years or over, they are covered to travel on their own.
A couple can be defined as two adults who have been living together for at least 6 months.Same sex couples are included.
If you have an existing policy that covers you until the cover start date you choose, your cover should start the day you purchase the insurance.You will only be able to book a holiday after the cover start date.You don't have cover until the policy starts.The cancellation protection begins from the start date.
Depending on your age and cover level, we can offer a maximum trip duration on a Multitrip policy.Please see "What is the maximum age limit and length of any one trip on a Multitrip policy?"You may need to purchase a single trip policy to cover the entire duration if you want cover for a longer period than allowed on your Multitrip.
Unless you tell us not to, we will aim to automatically renew your policy when it runs out.We will let you know about any changes to the policy terms and conditions 6 weeks before the renewal date.If you don't want us to auto-renew your policy, you can contact us at info@multitrip.com.If you have told us about any changes to your policy details, you will still be required to contact the medical screening company to declare any medical conditions.We will let you know at the time if we can't automatically renew your policy.Unless you inform us otherwise, we assume that your details have not changed and that you have the permission of the card holder.
The maximum duration you can take on a single trip policy is365 days for people 69 years and under.For anyone over these age limits, please click here.
What is the maximum age and trip duration I can take on a single trip policy?You may be able to extend your cover if your total trip duration does not exceed the maximum limit.Contact us by phone before your current policy expires to extend cover for previously declared medical conditions.
You will need to start your policy on the day you leave for your trip and end it on your return to Ireland.As soon as the policy is purchased, the cover for cancellation starts.
You are entitled to spend up to 20% or 31 days, whichever is less, of the insured duration of a trip in another area.The USA and Canada are not included.To be covered for travel to/in the USA and Canada, you must have worldwide cover.
The basic rate covers Cancellation/Curtailment of your trip as a result of an insured event, Emergency Medical and other Expenses, Baggage, including Money, Missed Departure, Personal Accident,Personal Liability, Legal expenses and Holiday Abandonment.Please see the Policy Wording for full details of what is covered.
You will be covered for up to 31 days of Wintersports activities if you have paid the appropriate premium.You can use these days in any order that you please.Policy limits can be found on the Policy Wording.
If you want to stay overseas past your policy's end date, you need to contact us by email or phone at least 2 weeks before.In some cases, we can extend cover for a maximum of 24 months.The extension will be approved by the Underwriter, who will take into account each individual's circumstances.
A resident of the Republic of Ireland is someone who has been in Ireland for six months prior to the issue date of your policy.We can't provide cover for people who are not from the Republic of Ireland.
No.Travel Insurance must be purchased prior to your departure from the Republic of Ireland if you use a wi-fi connection on an aircraft or train.
Please tell us your current age.We just need your ages at the time you purchase the policy if you have a birthday after that.
Once the payment has been successfully processed, you have the option to print off your validation certificate and policy wording.A booking confirmation will be sent to the email address supplied during the booking process.Your account information and details on how to retrieve your documentation can be found in the booking confirmation.You can get your policy documents by email as well as by post.When selecting your documents to be sent by post, please be aware of your environmental impact.There is a fee if you opt to receive a text message.The Emergency Assistance telephone number is included in the text message.You should bring your validation certificate with you when you travel.
You can use your on-line login if you need to make a change.There are many different things to do here.We will be happy to assist you if you can't make the required change or upgrade.
Any condition for which you or your travelling companion have received medical advice, treatment or medication in the last 2 years is a medical condition.Please see below or your Policy Wording for further information.
If you are aware at the time of taking out your insurance that you or a travelling companion have had a medical condition in the last 2 years, you should be aware of it.If the medical condition can be covered, the Medical Screening Co-ordinators will be able to tell you about it.
All insured persons at the time of taking out this policy or booking the trip are excluded.Section A is Cancellation or Curtailment Charges, Section B is Emergency Medical and Other Expenses, and Section C is Hospital Benefit.You have received a terminal prognosis for any medical condition.Any medical condition for which you are receiving or are on a waiting list for or have the knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home.If you have a medical condition that a doctor has advised you not to travel for, you still travel.Expenses incurred due to the discovery of other medical condition during and/or complications arising from these procedures are included.You are not taking the recommended treatment or prescribed medication for a medical condition.Any health requirements stipulated by the carrier, their handling agents or any other public transport provider are against your travel.You were awaiting the results of investigations prior to your departure from Ireland.Section A - Cancellation or Curtailment Charges and Section B - Emergency Medical will not apply to your close relative or travel companion at the time of booking or taking out the policy.Any medical condition for which a close relative or travelling companion are receiving or on a waiting list for or have the knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home.Refer to the general exclusions on page 5 for any medical condition for which a close relative or travelling companion have not had a diagnosis.
We will only exclude claims related to your medical condition if cover is refused.The rest of your travel insurance will not be affected by this exclusion.
If you did not know at the time of taking out your insurance that you had a condition, you will not need to declare it to the medical screening company until your policy is due for renewal.
When your policy is renewed, you need to contact the medical screening company to discuss cover for medical conditions.
A couple can be defined as two adults who have been living together for at least 6 months.Same sex couples are included.
Under the Cancellation or Curtailment section of the policy, you are covered if you need to cancel or shorten your trip due to unforeseen circumstances.You are covered under the Emergency Medical and Other Expenses if there is a direct result of the birth of a baby and medical attention is required.As long as you are not travelling against your doctor's advice, travelling whilst pregnant is covered.Please see the Policy Wording for further details.
No.If you cancel for any reason outlined in your Policy Wording, you will receive a reimbursement.Unforeseen emergencies such as illness, injury or death of you, your travelling companion and/or a close relative are covered.cancellation due to business obligations, change of mind or dislike of travel time are not included in the cover.
If you are unfortunate enough to have lost or stolen items while on holiday, you must report it to the police within 24 hours.
If you need to curtail your trip due to an insured reason, please call the Emergency Assistance Team.Inform them of your medical emergency if you have Private Health Insurance.You can find contact details in your Policy Wording.
All claims must be reported to the claims department within 31 days after an insured event.You have to forward original documentation when you claim.You will have to forward a copy of your certificate.You can find contact details for the claims department in your policy.
You have to pay for the claim.This is charged per person per claim and deducted from the settlement amount.
You can cancel your policy within 14 days of receipt of the policy documents, if you contact us at info@multitrip.com.If you have not travelled, no claim has been made or is intended to be made, and you haven't used your insurance to get a Visa, the premium will be returned to you.From the date of issue, the policy will be canceled.