Yes, for trips of more than 3 days duration i.e. 2 nights away.

If you have taken a specially designed winter policy. If not, winter sports cover can be added any time but the additional premium must be paid as if the cover was requested at the beginning of cover. If the policy schedule includes winter sports cover, you should check the policy wording for full details.

If you plan to disembark and spend a night in a country considered as Worldwide, then you will need to purchase the appropriate cover. Please bear this in mind for any pre- booked excursions and ensure cover is in place before you sail.

However, where the trip on land is less than 12 hours and is all during daytime with the ship leaving in the evening this can be included as Europe.

Definition of Off Piste: on an unprepared, trackless area away from regular ski runs.

We can offer cover for off piste skiing on most of our policies. Depending on the type of cover you have will depend on whether a sports extension should be purchased. Please contact our customer service department should you have any queries.

Please take the utmost care if you decide to give this sport a go. You should be aware of any threats to your safety and those around you. Also, in some countries it is illegal to go out of bounds and you may find yourself helping the local police with their enquiries.

The Holidaysafe Winter Sports travel insurance policy offers cover for most winter sports activities. Some activities are covered as standard and other activities can be covered at an additional premium. If your sport is not listed in activity pack one, please contact our friendly customer services department who may be able to extend your cover and will ensure you have the insurance policy you need.

Please download a claim form from OSG Travel Claims or send us an email at info@worldwide.ie, don’t forget to supply your name and address and brief details of what has happened.

You can email or fax the completed claim form to us along with the supporting documentation or call the OSG Claim Line at: 353 (1) 2247038. We advise that we may still require you to provide the original documentation as proof of ownership for Personal Possessions claims.

You will be expected to follow the Claims Procedure shown in the Policy wording and to substantiate your claim by providing supporting documentation. Please note that failure to supply full information and documentary evidence may cause a delay in the handling of your claim.

The cover under a worldwide policy also includes trips within the UK and Europe.

• Standard Single and Annual Multi-trip policy – up to 65
• Backpacker policy – up to 40
• Longstay policy - from 40 and up to 55
• Cruisesafe policy - has no age restrictions
• Winter sports standard and annual multi-trip policy: - up to 65 years of age
• Over 65 Single Trip policy – up to 84 at the start of your trip.
• Over 65 Annual Multi-trip policy – up to 74 at the start of your trip.

Please note: all age limits apply from the first day of your trip.

If your birthday falls whilst you are away, your insurance policy will continue until you return home.

If you or a member of your party becomes ill or suffers an injury whilst abroad, or need to cut shory your journey, contact our emergency 24 hour assistance line on: +44(0) 2920 474 132. (Have your policy certificate details to hand.

For every other claim you can contact our claims line on: 01-2247038, or download and complete a claim form from: OSG Claims, and follow the instructions on it.

The maximum for any one trip is 31 days with return arrangements in place within that period. With regards to Winter Sports cover (if chosen and additional premium paid), the maximum period in any one year is 17 days.

The Annual Multi-trip policy provides cover for unlimited trips during the course of a year, as long as no one trip exceeds 31 days in total and you have a pre-booked return arrangements in place.

The Backpacker policy covers you for one individual trip of up to 18 months duration and offers a lower level of cover designed for those that travel light such as students.

Mytravelplace.ie split the definition of Europe into: Europe excluding Spain: This includes the following countries: all countries west (to the left of) of the Ural Mountains, including the United Kingdom, Iceland, the Balearic Islands, Algeria, Morocco, Tunisia, Turkey, the Azores, Madeira, the Mediterranean islands and the majority of Russia which falls west of the Ural Mountains, including St. Petersburg and Moscow.

Europe including Spain: As above but includes Spain and the Canary islands. All areas east of the Ural Mountains, such as Siberia, and are classed as worldwide.

Travel Insurance is designed to get people home and into the care of the NHS or perhaps a private healthcare scheme if the person involved is a member.

Psychological conditions are excluded from all policies. Psychological conditions are stress, anxiety (which would include fear of flying, travelling by boat etc), depression, eating disorders (such as anorexia, bulimia etc) or any form of mental instability.

If you are asked to pay a small cost for medicines and/or outpatient treatment, it is often easier to settle your bill direct, keep all receipts and claim for the costs incurred on your return home.

If your treatment is more extensive or you are admitted as an in-patient, the Emergency Assistance Facilities must be contacted as soon as possible. If you do not do this, then payment of any medical bills cannot be guaranteed.

If in any doubt, please contact the Emergency Assistance Facilities who can discuss your options and can also arrange for any medical expenses covered by the policy, to be paid direct to the hospital/clinic.

The policy would automatically extend to cover the person receiving treatment in hospital and for one other person who is required to remain with them as advised by the treating medical team.

There is no cover as a result of a pre-existing medical condition of a close relative or close business associate.

Please contact our Emergency Assistance Facilities 24 hour Emergency advice line on +44 (0) 2920 474 132. You will need to have your policy details and policy number to hand to verify your cover. Their role is to guide and advise you, and to liaise with the treating doctors where appropriate. If you have to make any payments relating to sickness overseas remember to hold onto all the receipts as you'll need these when making a claim. cWhat is an EHIC?

The European Health Insurance Card (EHIC) replaced the previous E111 certificate in January 2006. The card entitles the holder to receive medical treatment provided by the state hospitals within the country being visited in the EU. It provides you with same benefits as the local residents. In some countries (France for example) you may have to make a contribution towards the treatment you receive.

You can obtain a card through the Post Office or by completing a form over the internet (which is considerably quicker). Other than your name and address they will require your National Insurance number.

If your EHIC card is presented and accepted at a state hospital, your policy excess may be waived if a reduction in costs has been obtained.

European Health Insurance Card is not a substitute for travel insurance and will only cover you for medical treatment you may need whilst abroad. It will not get you home (repatriation). Travel insurance will provide repatriation cover as well as cover for cancellation, personal possessions, money, liability etc, which are not covered by EHIC.

The European Health Insurance Card (EHIC) replaced the previous E111 certificate in January 2006. The card entitles the holder to receive medical treatment provided by the state hospitals within the country being visited in the EU. It provides you with same benefits as the local residents. In some countries (France for example) you may have to make a contribution towards the treatment you receive.

You can obtain a card through the Post Office or by completing a form over the internet (which is considerably quicker). Other than your name and address they will require your National Insurance number.

If your EHIC card is presented and accepted at a state hospital, your policy excess may be waived if a reduction in costs has been obtained.

If you have an existing emergency medical expenses claim with us, please forward the original invoice to us quoting your claim reference number and we will arrange payment of the invoice.

If you have not submitted a claim to us, please obtain an Emergency medical expenses claim form and return the completed form to us along with the outstanding invoice and other supporting documentation requested

Travel Insurance is designed to get people home and into the care of the NHS or perhaps a private healthcare scheme if the person involved is a member. If the situation called for evacuation of a casualty back to Ireland by air ambulance, the traveller would be met on arrival by an ambulance (paid for by the insurance company) to take them to hospital, at which point the cover ends.

All travel insurance companies require the policyholder to disclose any material fact that may influence them in their decision to accept or decline a risk. To be covered, you must be healthy, fit to travel and to undertake your planned trip.

For the purposes of this insurance a Pre-existing Medical Condition is considered to be any serious or recurring medical condition which has been previously diagnosed, investigated or treated in any way, at any time prior to travel, even if this condition is currently considered to be stable and under control.

You can declare your Pre-existing Medical Conditions by contacting our medical screening helpline on: 01-2247033. Please refer to the policy wording for the criteria regarding pre-existing medical conditions

Any medical condition, serious or recurring, which has previously been diagnosed, investigated or treated in anyway, at any time prior to travel, even if this condition is currently considered to be stable and under control by the use of drugs.

Ski patrollers are generally well trained and experienced at assessing injuries. They manage the evacuation of the injured person from the mountain and to hospital in the manner most appropriate to the patients’ injury. They will decide what is appropriate for the circumstances regardless of insurer. Their priority will always be the patient. Serious cases often involve helicopters but, more often, a combination of sled and ski lift is more immediate and appropriate. Other factors such as weather are also taken into account. Please note, it is not uncommon to be asked for proof of insurance whilst on the mountain.

The products on this site have been designed primarily for the leisure traveller. However limited cover for business travel is included. This is restricted to business activity that follows your normal occupation provided this does not involve manual work or exposure to hazardous risks. Cancellation of a business trip is excluded. If you require wider business cover, please call us on 01 2948669 for an alternative quotation and product.

No, your age is calculated at the date of booking. Depending on the type of policy you choose, you must be 74 or 84 at the start of your trip. If your birthday falls whilst you are away, your insurance policy will continue until you return home.

No. Our policies require you to have been a resident in the Republic of Ireland, for at least 6 months. The only exception is students who are in full-time education within the United Kingdom.

No. Our policies require you to have been a resident in the Republic of Ireland for at least 6 months. The only exception is students who are in full-time education within the Republic of Ireland.

Yes. However, in the event of a claim you would have to provide written evidence that you intended to return to Ireland i.e. work commitments. Please note that this policy is not intended to offer cover if you are emigrating.

The European Health Insurance Card is not a substitute for travel insurance and will only cover you for medical treatment you may need whilst abroad. In some countries you will be asked for payment towards any costs involved incurred, your EHIC does not cover 100% of all expenses incurred. It will not get you home (repatriation). Travel insurance will provide repatriation cover as well as cover for cancellation, personal possessions, money, liability etc, which are not covered by EHIC.

Our policies are available to anyone who has had their main home in the Republic of Ireland and has not spent more than six months abroad in the year before buying this policy.

lease note that the cover under our standard Backpacker policy does not include cover for Personal Possessions.

Travel Insurance policies were designed to cover the average amount a person may carry on them at any one time in relation to Personal Possessions i.e. clothing, a watch, sunglasses, a camera, holiday jewellery etc. It is not intended to cover large amounts of valuables and the sums insured and the limits set on a single article reflect this. Therefore, if you have a something you wish to take on holiday that exceeds the limits under the policy, please consult your Household Insurers as you may already have cover outside the home for these items.

We recommend that when you are in your resort that you use the safety deposit box or the safe in your room for any valuables, cameras, passports, money etc. as your policy will not provide cover for the loss or theft of valuables left unattended unless in a locked safe or out of sight in your locked trip accommodation.

A full list of Valuables can be found under the Definitions in the Policy Wording.

In the first instance, please email us at info@worldwide.ie including your policy number and the required alteration. In the vast majority of cases we will simply update and re-send your cover letter by email. If you need to extend your cover there may be an additional premium to pay, in which case this will be completed over the phone as for security reasons we do not hold your credit card number.

These items are only covered whilst being carried as luggage on public transport. The sum insured can be found within your policy wording under the Personal Possessions section.

All our policies provide a 14 day cooling-off period. This gives you time to read through the policy to ensure that the cover you have purchased meets your requirements. As long as you haven’t already travelled and you have not and do not intend to submit a claim, please confirm in writing and we will issue a full refund.

You can cancel your policy at any time outside of the 14 day cooling-off period, however no refund of premium will be given.

No, your baggage must travel with you.

Firstly, a Property Irregularity Report (PIR) must be obtained from the airline in the baggage reclaim area, which acknowledges the damage.

Secondly, you should make a claim against the airline or their ground handlers as soon as possible (within 7 days). They may supply a replacement case from their store cupboard.

The PIR does not itself constitute a formal claim. You will need to write to the airline, within certain time limits, enclosing a copy of the PIR.

If you are unsuccessful, you can then make a claim under your travel insurance policy. However, please note that the policy excess would apply.

Travel Insurance policies were designed to cover the average amount a person may carry on them at any one time in relation to Personal Possessions i.e. clothing, a watch, sunglasses, a camera, holiday jewellery etc. It is not intended to cover large amounts of valuables and the sums insured and the limits set on a single article basis reflect this.

Therefore, if you have a something you wish to take on holiday that exceeds the limits under this policy, please consult your Household Insurers as you may already have cover outside the home for these items.

We recommend that when you are in your resort that you use the safety deposit box or the safe in your room for any valuables, cameras, passports, money etc. as your policy will not provide cover for the loss or theft of valuables left unattended unless in a locked safe or out of sight in your locked trip accommodation.

A full list of Valuables can be found under the Definitions in the Policy Wording.

If you have a complaint regarding the assistance service or claims handling, please contact:

The Manager
Worldwide Insurance Brokers & Advisors Limited
Unit 20, Sandyford Office Park
Sandyford
Dublin 18

If you have a complaint regarding selling of the policy, please first contact the company who sold you the policy. If you remain dissatisfied you should obtain a final decision and then write to the Insurance Ombudsman who operates under the aegis of The Financial Ombudsman Service:

The Financial Ombudsman Service,
South Quay Plaza,
183 Marsh Wall,
London. E14 9SR
Phone 0845 080 1800 Switchboard 020 7964 1000 Main Fax 020 7964 1001

If your baggage is delayed for more than 12 hours on your outward journey, cover is provided for the purchase of essential items, up to the limit shown in your policy wording. Essential items include toothbrush, toothpaste, underwear, towels etc. You must keep all receipts for these items and submit your claim when you return home. You will also need written confirmation from the airline of when the delayed luggage was delivered to you or is not considered permanently lost.

An excess is the amount you have to pay towards any claim under the policy. The excess will be applied per person, per incident, per section claimed under. For example, a person makes a claim of €300 and the policy excess is €75, the final claim settlement will be €225.

With any insurance policy, the policyholder should always act as though there is no insurance at all and take all measures to protect their property and themselves as if they were uninsured.

As long as the illness is NOT as a result of a pre-existing medical condition, there will be cover for you to return home if it is thought necessary. Before you begin to make arrangements you should contact the Emergency Medical Assistance facilities on+44 (0) 845 260 3260

No, to have a family policy both parents must live at the same address. However, if the parents are separated we have a single parent policy specially designed and priced for this situation.

Yes. Any child under 18 that is part of your close family, can be covered under your policy if you opt to have the Family cover.

Yes, as long as the children are dependent on you, in full time education and under 18.

The Underwriters will pay up to the sum insured listed for each insured person.

You will be given the option to cancel your holiday insurance if due to unexpected medical complications with your pregnancy.

You will be given the option to cancel your insurance within 14 days of confirmation of the pregnancy from your doctor.

If you choose to travel you will be covered for unexpected medical complications, unrelated to any pre existing conditions you may already be suffering as a result of your pregnancy. You should disclose these as soon as you can to our Travellers HealthCheck team on 0845 658 2999.

Please refer to the following list of covered unforeseen emergency medical conditions for pregnancy and childbirth.

• Toxaemia (toxins in the blood)
• Gestational hypertension (high blood pressure arising as a result of pregnancy)
• Ectopic pregnancy (a pregnancy that develops outside of the uterus)
• Post-partum haemorrhage (excessive bleeding following childbirth)
• Pre-eclampsia (where you develop high blood pressure, carry abnormal fluid and have protein in your urine during the second half of pregnancy)
• Molar pregnancy or hydatidiform mole (a pregnancy in which a tumour develops from the placental tissue)
• Retained placenta membrane (part or all of the placenta is left behind in the uterus after delivery)
• Placental abruption (part or all of the placenta separates from the wall of the uterus)
• Hyperemesis gravidarum (excessive vomiting as a result of pregnancy)
• Placenta praevia (when the placenta is in the lower part of the uterus and covers part or all of the cervix)
• Stillbirth
• Miscarriage
• Emergency Caesarean section
• A termination needed for medical reasons
• Premature birth more than 12 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date

Please note that your insurance policy cannot offer cover where you will be/or have travelled against medical advice or the requirements set by the carrier (airline or cruise line), their handling agents or any public transport provider.

If a minor is travelling alone you must purchase an adult policy.

A family policy would cover parents for travel with their children. However, please note that any child listed on the policy would not be able to travel independently.

You are covered under your policy for cancellation caused by the death, injury or illness of a close relative, providing that their condition was not known about at the time of purchasing the Policy or the booking date of the trip. There is no cover as a result of a pre-existing medical condition of a close relative or close business associate.

Close Relative: A spouse or partner of over six months, parents, grandparents, legal guardians, parents-in-law, step-parents, aunt, uncle, brother, sister, child, grandchild or fiancé(e). The medical certificate within the claim form must be completed in all cases by the GP of the person who has caused the claim.

If you are made redundant after booking your holiday and before the start of your trip, you will be covered for cancellation costs. Unless:

• you have not been continuously employed for 2 years
• the redundancy was voluntary
• you are self employed
• you were employed on a short term contract

Family: Two adults (married or common law partners including same sex couples) and any number of dependent children under 18years, in full time education and still living at home.
Couple: Two adults who are married or common law partners.
Child: A dependent child under 18 and still residing at home
Close Relative: A spouse or partner of over six months, parents, grandparents, legal guardians, parents-in-law, step-parents, aunt, uncle, brother, sister, child, grandchild or fiancé(e).
Single Parent Family: One adult and their dependent children under 18 years old and in full time education

A spouse or partner of over six months, parents, grandparents, legal guardians, parents-in-law, step-parents, aunt, uncle, brother, sister, child, grandchild or fiancé(e).

Most mainstream cruise lines do not allow women in their third trimester of pregnancy aboard (weeks 28 – 42). This is because the cruise vessels are not equipped to handle childbirth or to treat any complications arising from the pregnancy or childbirth. Therefore each cruise company have their own set of guidelines.

As a general rule, you should be at least 12 weeks at the start of your trip and not over 24 weeks at the end of your cruise. You will also require a letter from your GP stating you are fit to travel.

Please make sure that you check with your cruise line to establish their individual guidelines.

Cover is given for you and your unborn baby for any unforeseen medical circumstances and will not include natural childbirth whether baby arrives on time, late or prematurely. There is no cover if you travel against medical advice.

All our policies can offer cover if you are travelling whilst pregnant and many pregnant women travel abroad without any issues or problems. However there are certain factors and possible complications that must be considered before starting your trip and you should be aware that guidelines apply.

The products on this site have been designed primarily for the leisure traveller. However limited cover for business travel is included. This is restricted to business activity that follows your normal occupation provided this does not involve manual work or exposure to hazardous risks. Cancellation of a business trip is excluded. If you require wider business cover, please call us on 0871 250 7500 for an alternative quotation and product.

No, your age is calculated at the date of booking. Depending on the type of policy you choose, you must be 74 or 84 at the start of your trip. If your birthday falls whilst you are away, your insurance policy will continue until you return home.

Yes - if you need a duplicate of your insurance validation certificate please contact us.

If you are driving:

No, claims can only be made for missed departure if the car you are travelling in, is involved in an accident or becomes undrivable due to mechanical failure.

If you are using public transport: When you are travelling to your departure point by scheduled public transport you will be covered if that is delayed, provided you have allowed adequate time for any changes in your journey. You will need to provide written evidence from the transport operator confirming that you were delayed and the reason why.

You can pay online using Visa, MasterCard, or Laser card.

You can download the relevant form at from OSG Claims or contact our claims line at: 01-2247033 or send us an email at info@worldwide.ie for a claim form. Please remember to supply us your name and address. Your original claim form should be returned to OSG Travel Claims, Merrion Hall, Strand Road, Sandymount, Dublin 4.

You will be expected to follow the Claims Procedure shown in the Policy wording and to substantiate your claim by providing supporting documentation. Please note that failure to supply full information and documentary evidence may cause a delay in the handling of your claim.

Your policy is delivered via the email address you supplied at the time of purchase. You can also download the documentation after you have entered your payment details.

Yes, our friendly Customer Services staff can email a copy of your schedule and policy to you. So as long as you have email and a printer available to you, this should not be a problem.

Our policies are available to anyone who has had their main home in the Republic of Ireland and has not spent more than six months abroad in the year before buying this policy

As soon as you are aware you have to cancel your travel plans, you must inform your tour operator/booking agent immediately. Charges are made for cancellations and these will depend on how close the cancellation is to your travel date. You will be issued with a cancellation invoice which you should return with you completed claim form.

Curtailment of your trip is covered if you have to return home because of unforeseen circumstances (cover is limited to certain circumstances and you should check the policy wording.

You should check our assistance facilities you will log the incident and may be able to help you with your arrangements. They are available 24 hours on telephone number +44 (0) 845 260 3260.

If your baggage is delayed for more than 12 hours on your outward journey, cover is provided for the purchase of essential items, up to the limit shown in your policy wording. Essential items include toothbrush, toothpaste, underwear, towels etc.

Should you be unfortunate and the airline consider your baggage to be permanently lost, you will need written confirmation from the airline of and should obtain a Property Irregularity Report (PIR).

You must keep all receipts for these items and submit your claim when you return home.

If your baggage is delayed for more than 12 hours on your outward journey, cover is provided for the purchase of essential items, up to the limit shown in your policy wording. Essential items include toothbrush, toothpaste, underwear, towels etc.

You must keep all receipts for these items and submit your claim when you return home. You will also need written confirmation from the airline of when the delayed luggage was delivered to you or is not considered permanently lost.

Travel insurance is underwritten by URV, Branch Office of Union Reiseversicherung AG and administered in the United Kingdom and Ireland by Travel Insurance Facilities plc who are authorised and regulated by the Financial Services Authority. This can be checked on the FSA’s register by visiting www.fsa.gov.uk/register or by contacting them on 0845 606 1234. Union Reiseversicherung AG is also regulated in Germany by BaFin.

Wherever you holiday there are some aspects of travel that carry the same risks as those abroad. We have listed below a few of the possible risks that you may wish to think about.

• You may want to consider what would happen if you needed to cancel your holiday before travelling, you may not be able to recover the cost of your holiday or any pre-paid trips.
• Are you travelling across water? What would happen if your journey was delayed?
• What would happen if your luggage was damaged or stolen? Can you be sure that your Household Contents insurance would cover your loss and if so, do you want to lose your no claims discount?
• If you were admitted to hospital, would you wish to be transferred to a more local facility closer to home?

Depending on the kind of holiday you have booked and the amount of travelling you plan to do, it is worth having the peace of mind in exchange for a few Euro.

Where duplicate insurance cover exists, Insurance companies have agreed to each contribute to the cost of claims in order to help keep the cost of Insurance premiums down. By obtaining this information from you, we can approach your Household Insurer for a contribution to our claim payment. This will not affect any No Claims Discount applicable to your home policy because the initial claim has been made under your travel insurance policy.

You are covered for emergency medical expenses and personal accident due to a terrorist attack. There is no curtailment cover so we recommend that you keep in touch with the Foreign Commonwealth Office at www.fco.gov.uk and maybe contact the local embassy or consulate.

The policy would automatically extend to cover the person receiving treatment in hospital and for one other person who is required to remain with them as advised by the treating medical team.