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Cover Options

The cover options have been created so you can choose the cover that you want.

We cannot make recommendations on the suitability of any option for you, but we hope that the following information will help you decide.

Do you have Private Medical Insurance?

You can pay a lower premium by choosing our AIB Healthcare+ Holiday Travel Insurance cover option, but ONLY if you have Private Medical Insurance covering Emergency Medical Expenses abroad.

If you do not have Private Medical Insurance with Emergency Medical Expenses cover abroad, then you cannot be covered under AIB Healthcare+ Holiday Travel Insurance. It will not provide the cover you need.

Optional Winter Sports cover?

If you will be undertaking any Winter Sport activity, you must choose cover for Winter Sports.

Our optional Winter Sports cover ONLY includes skiing, tobogganing, snowboarding and outdoor ice-skating.

We do NOT cover competitive winter sports including ski or ski bob racing, mono skiing, ski jumping, ski boarding, ice hockey and the use of bobsleighs and skeletons. You may not buy our cover if you intend to undertake any of these sports.

Off Piste?

We recognise that you may go off-piste. You should only do so if you have the appropriate skills and equipment and are accompanied by someone who knows the area well.

Prevented from skiing?

If you get ill or have an accident or your ski pass is lost or stolen, we'll pay for the unused portion up to €75 per week, with a maximum of €300 per holiday. If you are unable to ski for over 12 consecutive hours because of a lack of snow in your resort and there's no alternative skiing available, we'll pay €20 for each full 24 hour period of no snow, up to a maximum of €200 per holiday.


Accident on the slopes?

If your activity is not excluded by the policy, we will cover the cost of getting you off the slopes, and any subsequent medical costs.

Optional Winter Sports with your annual policy?

Our annual policy gives you up to 21 days winter sports in any policy year. If you buy our single trip policy and select our Winter Sports option, you will be covered for winter sports for the trip duration you choose.

14 Days "no quibble" Cancellation

As with any travel insurance, you are responsible for confirming your eligibility and that the cover selected meets your particular needs. If you are not satisfied with this policy and you have not taken a holiday or made a claim we will issue you with a full refund up to 14 days after the purchase of this policy.

To cancel your policy, simply call us or write to us and we'll take care of things for you. We will process your refund swiftly and this will be reflected on your credit card statement around 3-4 days later.