Travel Insurance - My Policy Cover

No, 123.ie Travel Insurance only covers cancellations for specific unforeseen events, such as illness, injury, or death affecting you, your travelling companion, or a relative.

Cancellations due to change of mind, business commitments, or pre-existing medical conditions are not covered.

For full details on covered cancellation reasons and exclusions, refer to your policy pack or see: Can I cancel my trip and get a full refund?.

A pre-existing condition is any medical issue that you, or someone your travel plans depend on—like a family member or business associate—already knew about before buying your travel insurance.

It can be:

• An illness you've had treatment or advice for within the last 2 years.
• A heart, cardiovascular, or related condition that you've ever experienced, even if it was a long time ago.

If your health situation changes after purchasing the policy but before your trip starts, please get in touch with us immediately at 091 501 677. It's really important that we know, so we can confirm your cover.

For full info on what's covered and what isn't—including exclusions and conditions—check your policy booklet, or have a look online at our Policy Documents.

Your policy excess is the initial amount you're required to pay towards any claim. Excess varies by policy type—€300 for Car Insurance, from €250 for Home Insurance, and between €0–€300 for Travel Insurance.

Check your insurance schedule for your exact excess details. For more details, see: How do I check my policy excess?

Yes, you can take out a Travel Insurance policy with 123.ie even if you have a medical condition. However, pre-existing medical conditions are not covered. This means any claims linked to your condition (like cancelling a trip due to your condition) won’t be covered​.

Check out our policy documents for full cover details, or contact us to chat with our team.

Yes, your Travel Insurance policy includes cover for golf clubs under personal belongings, up to €350.

For full details on cover, limits, and exclusions, please check your policy documents or contact us for expert support.

The single article limit is €350. This is the most you can claim for any one item or for a pair or set of valuables under the personal baggage section of your Travel Insurance policy.

If you're unsure what your Travel Insurance covers, feel free to contact us or check your policy documents.

If your payment to 123.ie goes through successfully, your cover kicks off from the start date and time you selected. You’ll see a confirmation screen showing the amount paid and thanking you for your purchase.

But if you hit an error before entering your card details, your policy isn’t active. For more info on payment errors and what they mean for your cover, see I got an error while buying insurance—am I covered?.

If you're aged 65 or under, your Single Trip Travel Insurance cover can stretch up to 365 days. For anyone aged 66 or over, the maximum trip duration is 31 days.

If you’re unsure whether your travel plans fit within these limits, we’re here to help. You can always contact us for support or check your policy documents to confirm the trip duration that applies to your cover.

Yes—if you’ve got an Annual Gold Multi-Trip Travel Insurance policy with us, you’re covered for holidays within the Republic of Ireland. Just make sure your trip includes at least one night in pre-booked accommodation away from home.

Whether you’re booking a quick escape or something longer, we’ve made it easy to know what’s covered. Don’t hesitate to contact us for additional support, or browse our current policy documents to learn more.

No. Children under 18 can travel without their parents and still be covered—so long as they're accompanied by a relative, guardian, or someone with legal responsibility for them.

At 123.ie, we make Travel Insurance simple, even when you’re planning trips for young travellers. If you need help or want to double-check your cover, contact us or review your policy documents for more details.

Yes, your Travel Insurance covers scuba diving, but some conditions and exclusions apply. Check your policy details carefully to ensure you're fully aware of what's covered before diving. You can also get in touch with a Customer Care representative by sending an email to Info@123.ie. Happy diving!

To make the most of your cover, it’s best to buy Travel Insurance as soon as you book your trip. That way, you’re protected if something unexpected happens before you go. If you buy a travel policy after something has already happened, you won’t be covered for that event.

Our Travel Insurance covers you to travel anywhere in the world—provided the Department of Foreign Affairs (DFA), the World Health Organisation (WHO), or a similar body has not advised against ‘all’ or ‘all but essential travel’ to your destination at the time your trip begins.

To see exactly what’s included refer to our policy documents.

No. Our Travel Insurance only applies to leisure travel. Business trips aren’t covered.

Need help choosing the right cover? We’re here to guide you. If you have questions or want to explore your options, contact us or take a look at our policy documents for more details.

Yes—our Single Trip with Winter Sports policy, plus our Silver and Gold Annual Multi-Trip policies, include skiing coverage for up to 17 days. Check your policy documents for detailed coverage information, or contact us if you have specific questions about your winter sports cover.

Children on your Travel policy enjoy the same cover benefits as adults, excluding permanent total disablement. For children under 16, the death benefit is limited to €7,000. See your policy documents or contact us for more details.

Yes—certain exclusions and limits apply to your Travel Insurance policy, including pre-existing medical conditions and some high-risk activities. For a detailed breakdown of what your policy does and doesn't cover, please review your policy documents or contact us.

Our policy includes cover for curtailment in the event your close relative or close business associate is admitted to hospital with a COVID diagnosis at the time of the trip, or the death of your close relative or close business associate due to COVID at the time of the trip, subject to the conditions and exclusions outlined in the policy booklet. For more information, please contact us on 091 501 677. A special condition of this cover is that the insured customer must contact our Emergency Assistance Service whilst away to notify us of the situation before returning home. Please see question above for the definition of ‘close relative’.

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See answer to the question: Please explain the cover involved if I fall ill with COVID at home and cannot travel? Please note, ‘close relative’ means: Mother, father, sister, brother, wife, husband, daughter, son, grandparent, grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in-law, aunt, uncle, niece, nephew, step parent, step child, step-sister, step-brother, foster child, legal guardian, next of kin, or fiancé/fiancée or common law partner (any couple, including same-sex, in a common law relationship or who have co-habited for at least 6 consecutive months).

Our policy includes cover for cancellation if: (i) you, your travelling companion or any person hosting you during your trip receives a COVID diagnosis within 14 days before the start date of the trip, or if admitted to hospital with a COVID diagnosis within 28 days before the start date of the trip. (ii) your close relative or close business associate is admitted to hospital with a COVID diagnosis at the time of the trip or the death of Your close relative or close business associate due to COVID at the time of the Trip. You won’t be covered for any COVID claim events occurring within 14 days of the date you purchased insurance, unless the insurance is purchased within 48 hours of booking the trip. This cover is subject to the policy terms, limits, conditions and exclusions.

Unfortunately, we do not cover repatriation for COVID abroad. However, our policies provide cover for medical and other expenses incurred abroad if you catch COVID subject to the policy terms, limits, conditions and exclusions. In the event of a positive diagnosis of COVID abroad, the policy will cover reasonable additional transport (economy class) or accommodation expenses incurred, up to the standard of Your original booking if you must extend your stay. This cover is up to the amount of €2,000 per trip. Please note that we will not cover COVID-related claims where you have travelled to an area that the DFA has advised against all or all but essential travel. We encourage all customers and partners to refer to the Travel Advice section on the DFA’s website prior to purchasing a policy and/or departure, to ensure the policy provides the required cover for their trip.

Our policies provide cover for medical and other expenses incurred abroad if you catch COVID subject to the policy terms, limits, conditions and exclusions. This section also provides cover for any reasonable additional transport (economy class) or accommodation expenses incurred, up to the standard of your original booking, if it is medically necessary for you to stay beyond your scheduled return date. Please note that we will not cover COVID-related claims where you have travelled to an area that the DFA has advised against all or all but essential travel. We encourage all customers and partners to refer to the Travel Advice section on the DFA’s website prior to purchasing a policy and/or departure, to ensure the policy provides the required cover for their trip.

Our policies provide cover for medical and other expenses incurred abroad if you catch COVID subject to the policy terms, limits, conditions and exclusions. Please note that we will not cover COVID-related claims where you have travelled to an area that the Department of Foreign Affairs (DFA) has advised against all or all but essential travel. We encourage all customers and partners to refer to the Travel Advice section on the DFA’s website prior to purchasing a policy and/or departure, to ensure the policy provides the required cover for their trip.

You are entitled to a 14-working day cooling-off period, if you contact us within this cooling-off period, you are entitled to a full refund of your travel insurance policy, provided you have not travelled or made any claims on the policy. To cancel your travel insurance and claim your refund, you will need to contact us in writing or by e-mail.

To cancel by e-mail, send your request to ieteles@MAWDY.com.

To cancel by post, send a letter to: Customer Service Department, MAWDY Agency Ireland, 22-26 Prospect Hill, Galway

If you have any queries, just call our customer service team on 091 501 677.

This is the amount you must pay towards certain claims. This amount is per person and per section. This amount will be shown in the Schedule of Cover outlined in the beginning of Your policy.

We will aim to automatically renew your cover when it runs out unless you tell us not to. Each year we will notify you in writing at least 20 working days before the renewal date of your cover. In some cases, we may not be able to automatically renew your cover and we will let you know at the time if this is the case. If you do not want us to auto-renew your cover, call us on 091 501 677.

No, however, children under 18 who travel alone must be dropped off and picked up by a responsible adult aged over 21.

You’re covered so long as any one period of travel doesn’t exceed, 31 days for Bronze policies, 45 days for Gold policies, and 60 days for Platinum policies. If you are aged 66 and over, the maximum trip duration is 31 days on a Platinum policy. The period of travel must start and finish in the Republic of Ireland.

To talk through your options, please call us on 091 501 677 for further information.

You can call our medical emergency line at +353 91 501 674. We are available 24 hours a day, 7 days a week.

If you are aged 65 or under, you are covered for a single holiday or journey of up to 365 days, beginning and ending in Ireland. We will only cover you for up to 31 days for each Trip if you are aged 66 and over.