|Q. How do I buy HolidayTravel Insurance online?|
A. Simply follow each step as requested, filling in all the required details, make sure that you have your credit card ready.
Q. Who are the Underwriters?
A. JustCover Limited has arranged this insurance through leading travel insurance administrators,
This policy is Underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAPFRE ASSISTANCE Agency Ireland is authorised by Direccion General de Seguros y Fondos de Pensiones del Ministerio de Economia y Hacienda in Spain and is regulated by the Central Bank of Ireland for conduct of business rules.
Q. Which policy is best for me?
A. If you are travelling more than twice a year, you should consider taking out the Multi Trip policy, as this can be more cost effective. You can take out a Multi Trip policy to Europe only, Worldwide excluding the USA or Worldwide including USA. For a small additional premium you can also include Winter Sport cover.
If you travel only once a year, then the Single Trip policy is probably for you
Q. How long can I get cover for?
A. Multi-trip policies cover unlimited number of trips abroad per year with a maximum duration of 45, 60 or 90 days any one trip (except where Irish Life Health Discount is applied, then the length of any one trip is 31 days). For single trip policies the maximum duration of 6 months stay applies(except whereIrish Life Health Discount is applied, then the length of any trip is 31 days) .
Q. What is the definition of a couple
A. Any 2 people booking a policy at the same time. In the case of a Single Trip, they will be travelling together. For a Multi Trip policy, the commencement date of the policy will be the same, but they do not have to travel together
Q. What is the definition of a child
A. JustCover acknowledge that children are in the education system longer than before, so we define a child as someone who is living at home, in full time education and under the age of 23. When travelling as a child they must be accompanied by a parent traveling on the same Annual Multi Trip policy. Otherwise if they are over the age of 18 they should take out the adult policy.
Q. What destination should I choose?
A. You should choose either 1. U.K 2. Europe 3. Worldwide
Q. What countries are in Europe, Worldwide?
A. If you are unsure whether your destination is in Europe or Worldwide, just click on the
"destination" button, and a list of European and Worldwide countries will be displayed.
Q. What if I am over the age allowed?
A. The Travel Insurance policy covers persons up to and including 79 years old on S/T and AMT (76-79 years old without Private Health, limited to European Travel on AMT). If you are aged over 79 and require cover click here
Q. Am I covered for sport activies?
A. Participation in most sports, on a recreational and non professional basis, is covered within the terms of the policy at no additional premium, subject to all recognised equipment and safety precautions being utilised. Certain sports and activitiesmay be subject to increased premium and Medical Excess or may have restrictions on the Personal Accident and / or Personal Liability cover during that activity. You will find details of sporting activities covered on the policy wording when you click for a quotation.
Q. Are winter sports covered?
A. This is an optional extra on your policy. Winter Sports are covered provided the Winter Sport premium is paid. However, we do not cover persons 70 years and older for Winter Sport.
(Terms & Conditions apply)
Q. What if I don't like my policy?
A. If after receiving your policy you are not entirely satisfied with it, we will give you a full refund less any credit card charges as long as it is returned to us within 14 days and you have not travelled or made a claim.
Q. I am already abroad, can I take out this insurance?
A. No, the Travel Insurance must be purchased before you depart your home country.
Q. Does it cover car hire insurance?
A. No - you would need to arrange this separately.
Q. What do I do in the event of a medical emergency while abroad?
If you have Private Health Cover,this policy does not cover you for the first €55,000 or the amount covered by your Private Health Insurer(whichever is the greater) where you have received hospital in-patient treatment. Therefore if you require hospital in-patient treatment, please contact your Private Health Insurer for assistance.
If you require hospital out-patient treatment. or do not have Private Health Insurance,please contact Mapfre Medical Emergency Service who will provide immediate help in the event of an Insured Person's illness or injury arising outside Ireland - they provide a 24 hour multi-lingual emergency service 365 days a year and can be contacted by telephone .
Emergency telephone number: Phone No IRL + 353 91501671 (Option 1) .
It is important to quote reference "JUSTCOVER LTD"
Q. How do I make a claim?
A. Please contact :
Please contact Mapfre Assistance Agency Ireland
Travel Claims Department
22-26 Prospet Hill
Phone: 091 501671 (Option 2)
Complete the Claim Form in full and forward it and the original booking invoice to the above along with all relevant details relating to your claim:
For minor medical injuries, you should hold onto all receipts and submit claim on return from holidays.
Q. What about security?
A. Our web site uses industry-standard Secure Sockets Layer (SSL) technology to allow for the encryption of your credit card details.
JustCover Ltd are committed to protecting the information we collect from you, which we use to enhance your experience of using the JustCover.ie website and to provide you with the services you request from us.
Q. When does my cover begin?
A. The trip cancellation protection becomes effective upon purchasing your insurance. The remaining cover on your policy will take effect when you leave your home to commence your journey.
Q. When does my cover end?
A. All cover for single trip will terminate when you return to Ireland or at the end of the period shown on your policy, whichever is earlier. Annual Multi trip policies will terminate upon the expiry date of the policy. Please note, that on Annual Multi Trip policies, 45, 60 or 90 days is the maximum period of cover on each trip depending on the premium paid.
Q. What is meant by Pre-Existing Condition?
A. "Pre-existing condition" refers to sickness, injury, disease, illness or other medical condition that you knew about before you bought this insurance. For a complete description of Pre-Existing Conditions, please refer to the exclusions on page 5 of the policy wording.
Q. Do I have to buy Travel Insurance at any specific time?
A. It is advisable to purchase your travel insurance at the same time you arrange your trip. You can buy it at a later date but it will not cover events which have already occurred.