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.

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.