Common FAQs
Find answers to common questions about InsureandGo travel insurance, including buying a policy, annual multi-trip cover, medical conditions, claims, cancellations, destinations, winter sports and emergency assistance abroad. Ready to buy? You can get a quote online in minutes.
How do I update the address or contact details on my policy?
Call our Customer Service team on 091 545 904. We'll update your details free of charge and resend your amended documents by post or email.
I've lost my policy documents. How do I get a copy?
Call our Customer Service team on 091 545 904 or email ieteles@mawdy.com to request a reissue of your documentation.
What counts as a resident of the Republic of Ireland for travel insurance?
A resident of the Republic of Ireland is someone who has lived here for at least 6 of the past 12 months. As long as you meet this, InsureandGo Ireland can cover you even if you're not an Irish citizen.
Can I buy cover after I've already left the Republic of Ireland?
No, unfortunately we can't provide cover once you've already left the Republic of Ireland.
What areas do InsureandGo Ireland policies cover?
Our travel insurance is split into three areas:
Area 1 covers Europe, including countries bordering the Mediterranean, except Algeria, Israel, Jordan, Lebanon and Libya;
Area 2 covers Worldwide excluding the USA and Canada;
Area 3 covers Worldwide including the USA and Canada.
Trips within Area 1 must include pre-booked accommodation for at least two nights.
Are Egypt, the Canary Islands, Morocco and Tunisia covered as European destinations?
Yes, all four are covered under our European travel insurance. Algeria, Israel, Jordan, Lebanon and Libya are not included in European cover and need a Worldwide policy instead.
Is Lapland covered under European travel insurance?
Yes. Lapland spans Finland and Sweden and is covered under our European travel insurance.
What ages should I use when getting a travel insurance quote?
Enter your current age. It doesn't matter if you have a birthday after buying the policy — we only need the ages you are on the day you purchase.
Is it safe to buy travel insurance online?
Yes. Your personal and payment details are encrypted, and you'll see a padlock icon in your
browser on the payment page confirming a secure connection. We also handle your information in line with GDPR and don't store your payment details.
How can I pay for my travel insurance?
You can pay by credit or debit card — we accept VISA, MasterCard, VISA Debit, and Laser
cards. Card payments go through instantly, though they may take a little time to appear on your statement.
I'm not sure which policy is right for me. Can you help?
Yes, we can talk you through the different travel insurance options to help you choose what's right for you. Call 091 545 904 or email ieteles@mawdy.com.
Can a child under 18 be covered on their own policy?
No. We can't insure anyone under 18 unless they're travelling with a responsible adult.
My online payment isn't going through. What should I check?
Check the card type, full card number, expiry date, and the three-digit security code on the back of your card. If everything looks right and the payment still won't go through, call us on 091 545 904.
What is an excess on a travel insurance claim?
An excess is the amount you must pay yourself when you make a claim. For example, if your claim is €100 and the excess is €60, you can claim back the remaining €40. Your exact excess amount is in your policy wording.
Where can I find what's excluded from my policy?
Check the policy wording booklet for the policy you have or are considering; you can download it from our policy documents page.
Am I covered for cancellation?
Yes, all of our travel insurance policies include cancellation cover. Read the policy wording booklet for your policy for full terms and conditions.
Am I covered if I need to cancel due to a foreseen event?
No. We don't cover events that were already known, planned, expected, or publicly announced when you booked your trip or bought your policy.
Single Trip Travel Insurance
What is the maximum age for a Single Trip travel insurance policy?
We can insure travellers aged 66 to 86 on a Single Trip policy, with a maximum trip length of 31 days.
What is the maximum trip length on a Single Trip policy?
If you're 65 or under, a Single Trip policy can cover trips of up to 365 days. If you're 66 or over, the maximum trip length is 31 days.
When should my Single Trip travel insurance start?
Your cover should start on the day you leave. Cancellation cover begins as soon as you buy the policy, so you're protected immediately if you need to cancel before travelling
When does cover begin and end on a Single Trip policy?
Cancellation cover starts as soon as you buy the policy. Your full travel cover then runs from your departure date until the end date of your trip.
Can I extend my Single Trip policy?
Yes, you can extend a Single Trip policy while you're already abroad, as long as no claims are pending. Extensions can only be made once, and an additional premium applies. Contact us on 091 545 904 or ieteles@mawdy.com.
Annual Multi-Trip Travel Insurance
How many times can I travel on an Annual Multi-Trip policy?
You can take unlimited trips during the year, up to a total of 183 days away.
What is the maximum age for an Annual Multi-Trip travel insurance policy?
We can insure travellers up to 86 years of age on an Annual Multi-Trip policy. If you are between 66 and 86 years of age, the maximum trip length for travellers in this age group is 31 days per trip.
What is the maximum trip length on an Annual Multi-Trip policy?
Each trip can last up to 31 days on Bronze, 45 days on Gold, or 60 days on Platinum. If you're 66 or over, the maximum trip length is 31 days regardless of your plan.
Can everyone travel separately on an Annual Multi-Trip policy?
Yes. Everyone covered under an Annual Multi-Trip policy can travel on their own. Any child under 18 travelling alone must be dropped off and collected by a responsible adult aged 21 or over.
When should my Annual Multi-Trip travel insurance start?
When does cover begin and end on an Annual Multi-Trip policy?
Am I covered if I'm travelling to more than one country?
Yes, you can be covered for multiple destinations on the same trip. A trip runs from the day you leave your home country until the day you return, or reach your final destination on a one-way trip.
You must choose a policy area that covers every region you plan to visit — for example, travelling to India with a stopover in Bulgaria needs Worldwide (excluding USA & Canada) cover, since it includes both countries.
Can I upgrade my European Annual Multi-Trip policy for a trip outside Europe?
Some non-European countries (Egypt, Turkey, Morocco and Tunisia) are already included in our European cover.
If you're travelling somewhere outside the European area, you can upgrade to Worldwide cover for an additional premium by calling 091 545 904.
A Single Trip policy is also an option, but upgrading your Annual Multi-Trip policy is often better value.
Can I extend my Annual Multi-Trip policy?
What happens when my Annual Multi-Trip policy expires?
Pre-Existing Conditions and Medical Assistance
Who do I contact in a medical emergency abroad?
Call our medical emergency line on +353 91 545908. It's staffed 24 hours a day, 7 days a week.
Can I get cover for pre-existing medical conditions?
Yes. You can declare your conditions through our online medical screening system, or speak to one of our agents on 091 545 904.
What counts as a pre-existing medical condition I need to declare?
Any illness, injury, symptom, or medical issue that you, a close relative, a travelling companion, or someone you plan to stay with have had in the last two years and that required treatment, consultations, investigations, or prescribed medication. You must tell us before you buy your policy, or if one develops afterwards but before you travel.
If cover is refused for my pre-existing condition, am I still covered for everything else?
I've been diagnosed with a new medical condition since buying my policy. What do I do?
Does my EHIC cover me instead of travel insurance?
Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland, and the United
Kingdom.
Do I get a discount if I have Private Health Insurance?
If everyone on your policy has eligible Private Health Insurance covering at least €55,000 for inpatient treatment abroad, you can avail of a reduced rate.
If you make a medical claim abroad after receiving this discount, you must claim through your Private Health Insurance first, and your travel insurance tops up any remaining costs up to your policy's medical expenses limit.
Activities & Winter Sports
What winter sports activities are covered as standard?
Cat skiing, cross-country skiing, glacier walking or trekking, ice skating, mono skiing, off-piste skiing and snowboarding, recreational ski or snowboard racing, skiing, snowboarding, snowmobiling, and tobogganing.
When skiing or snowboarding off-piste, you must stay within areas resort management considers safe.
How long am I covered for winter sports activities under an Annual Multi-Trip policy?
Activity cover lasts up to 17 days per trip on a Silver policy, and up to 24 days per trip on Gold or Platinum.
What does it mean if an activity has no Personal Accident or Personal Liability cover?
It means only those two sections are excluded for that activity. You're still covered for medical expenses if you're injured, but you can't claim under Personal Accident (for lump-sum benefits) or Personal Liability (for damage or injury to others).
Is motorcycling covered under my policy?
What counts as an extreme ski activity that needs extra cover?
Bobsleighing, freestyle skiing, heli-skiing, lugeing, skeleton, ski acrobatics, non-professional ski racing or training, and ski stunting.
Call 091 545 904 to add extreme ski cover to your policy.
Is mountain rescue covered?
Am I covered if I'm a ski instructor or attending ski instructor school?
Am I covered for white water rafting?
White or black water rafting up to grades 1-3 is covered at no extra cost on all our policies.
Higher-grade rafting (grades 5-6) needs an additional premium — call 091 545 904 to add it.
Claims & Complaints
How do I make a travel insurance claim?
Download and complete the claims form here, then send it to us with relevant documents such as receipts or medical bills. You can also contact us on 091 545 907 or traveldept@mawdy.com to begin your claim.
What do I do if my passport is lost or stolen abroad?
Report it to the local police straight away to get a crime reference number, which you'll need for the APS1 Lost or Stolen Passport Notification form. Then contact the Irish embassy in that country — details are on the Department of Foreign Affairs website — and they'll arrange replacement travel documents so you can return home.
Can I still claim if I don't have receipts for my belongings?
Yes. Receipts are the best proof of ownership, but we can still consider your claim with other evidence of purchase or ownership. Contact our claims team on 091 545 907 or traveldept@mawdy.com.
What are my cancellation rights after buying a policy?
You have a 14-day cooling-off period after buying your policy. If you cancel within this time, you'll get a full refund, as long as you haven't travelled or made a claim. This doesn't apply if your period of insurance is less than 31 days.
To cancel, email ieteles@mawdy.com or write to:
Customer Service Department
InsureandGo
22-26 Prospect Hill
Galway
How do I make a complaint?
Galway, by phone on 091 545 904 or email ieteles@mawdy.com, and we'll do our best to
resolve it.
06. Am I covered for cancellation?
07. What is the definition of Personal Accident?
- Your permanent total disability
- Losing one or more of your limbs (a permanent loss at or above the wrist or ankle)
- Irrecoverable loss of sight in one or both eyes for a period of at least 12 months
- If you die, we will pay the maximum amount as defined on your policy (this is limited for children aged under 16 years of age and adults over 65 years of age)
If you have further questions about Personal Accident cover, please contact our Customer Service Department by phone on 091 545 904 or email ieteles@mapfre.com.
08. Am I covered for foreseen events (e.g. planned strike action or forecasted weather)?
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Contact information
Emergency contact overseas
In the event of an emergency overseas, call +353 91 545908
Non-emergency claims
For non-emergency claims, please call +353 91 545907
Other enquiries
For other enquiries, please see our “Contact Us” page.



