Can I cancel my trip for any reason and get all my money back?

While 123.ie Travel Insurance provides cover for trip cancellations, refunds are only available under specific circumstances. Cancellations due to personal choice, business obligations, or pre-existing conditions are not covered.

Covered Cancellation Reasons

You may be eligible for a refund if your trip is cancelled due to:

• Illness or injury - If you, your travelling companion, or a relative becomes ill or sustains an injury.

• Death - The passing of you, your travelling companion, or a relative.

• Other unforeseen events - Specific emergencies outlined in your policy pack, such as redundancy, jury duty, or severe home damage.

Situations not covered under 123.ie Travel Insurance include:

• Business obligations - Work-related cancellations.

• Change of mind - Deciding not to travel without a valid covered reason.

• Dislike of travel time - Dissatisfaction with flight or travel schedules.

• Pre-existing medical conditions - Health conditions that existed before purchasing the policy, unless declared and accepted at the time of purchase.

For a complete list of covered reasons, limits, and exclusions, refer to your policy pack or access the latest policy booklet here.

How can I cancel my 123.ie Travel Insurance policy?

The cancellation process depends on when you decide to cancel:

• Within the 14-Day Cooling-Off Period - If you cancel within 14 days of purchase and haven’t travelled or made a claim, you will receive a full refund.

• After 14 Days - Your policy is non-refundable.

To cancel, contact the 123.ie Travel Insurance Team:

• Phone - 01 241 8549
• Email - travel@123.ie

Cancellation requests must be made by the policyholder and sent from the registered email address on the policy.

What if I haven’t received confirmation of my policy cancellation?

After submitting a cancellation request, you should receive a confirmation within seven working days.

If you don’t receive confirmation, contact our travel insurance team at 01 241 8549 or send an email to travel@123.ie. We’re here to assist and ensure your cancellation is processed promptly.

Your 123.ie Travel Insurance Cancellation Policy

123.ie Travel Insurance provides cover for cancellations due to specific unforeseen events but does not cover all possible reasons. Familiarising yourself with your policy’s terms will help you make informed decisions.

For further assistance, contact us or refer to your policy documents for full details.