Travel Insurance FAQ

If you’re taken ill or have to seek emergency[1] medical treatment while travelling abroad, you may be covered under your health insurance policy for between €70,000 and €100,000, subject to your individual Scheme as well as terms and conditions outlined in the policy.

Irish residents who hold a European Health Insurance Card are entitled to get healthcare through the public system in countries of the European Union (EU), European Economic Area (EEA) or Switzerland if they become ill on a temporary stay there.

[1] An emergency is defined as the onset of an acute illness which is sudden, unforeseen and requires immediate action and which prevents you from returning home to receive treatment

Laya travel insurance policies provide cover for cancellation if the Department of Foreign Affairs allocates a security status of ‘Avoid non-essential travel’ or ‘Do not travel’ to your intended destination after you purchased your travel insurance policy and booked your trip. Information regarding the security status of individual countries can be found on the Department of Foreign Affairs website www.dfa.ie.

If the Department of Foreign Affairs had allocated a security status of ‘Avoid non-essential travel’ or ‘Do not travel’ to your intended destination prior to you booking your trip or taking out your insurance, this is not a covered circumstance.

If the Department of Foreign Affairs allocates a security status of ‘Normal precautions’ or ‘High degree of caution’ to your intended destination and you decide not to travel for precautionary reasons, no cover will be provided under your laya travel insurance policy

If a member chooses to travel to a destination after the Department of Foreign Affairs and Trade (DFA) allocates a status of ‘Avoid Non Essential Travel’, they will not be covered for Covid-19 (coronavirus)-related emergency medical treatment abroad.

We advise members to stay up to date on trusted travel advice from the Department of Foreign Affairs and Trade (dfa.ie).

Irish residents who hold a European Health Insurance Card are entitled to get healthcare through the public system in countries of the European Union (EU), European Economic Area (EEA) or Switzerland if they become ill on a temporary stay there.

All travel claims submitted will be assessed in line with the terms, conditions and exclusions detailed in the travel policy wording. We encourage members to consult with the relevant transport and accommodation provider to see if they’re entitled to any refund under their cancellation policy.

Please contact our laya travel team on 01 2611508 or email travel@osg.ie . When emailing it’s useful to include your name and phone number.

If you are a laya healthcare member, they’ll need your membership number which you will find in your Member Area.