Should you have Travel Insurance for Ireland?

poppie123

I am going to Dublin for one night in December.
I have just realised that my annual policy runs out at midnight on the day we arrive, which means i am fully covered the first day but not the second.

I am not planning to go away anymore after this trip until August of next year so i really don't want to renew my policy yet as is will just be a waste of 8 months.

Do i really need to buy insurance just for one day? or would my European Health Insurance card cover me?

spiro

What you will loose is things like them getting you home if you break your leg and can't fly or need 2 seats. Why not just get a cheap single trip cover. this forum has been litter with threads posted by people who have not got insurance and then complain when something goes wrong.

bandraoi

For Ireland I wouldn't bother.

Incapuppy

Can you afford to lose the cost of the trip if you can't travel?

poppie123

Incapuppy wrote: »

Can you afford to lose the cost of the trip if you can't travel?

The whole trip for 2 peoples flights and one nights accomodation has cost the grand total of £39. I think i can afford to lose the cost of it.

bandraoi

poppie123 wrote: »

The whole trip for 2 peoples flights and one nights accomodation has cost the grand total of £39. I think i can afford to lose the cost of it.

You wouldn't anyway as you're covered until you get there.

Health care is covered if anything nasty happens and 90% of what could happen you could get back to the UK and get it fixed there with little difficulty.

The biggest thing to worry about would be missing your flights back or a cancellation, but another flight (or the bus/ferry) won't cost that much, even at the last minute.

You'd probably find the excess on the insurance policy and the time taken to claim would make it not worthwhile anyway.

dmg24

bandraoi wrote: »

You wouldn't anyway as you're covered until you get there.

Health care is covered if anything nasty happens and 90% of what could happen you could get back to the UK and get it fixed there with little difficulty.

The biggest thing to worry about would be missing your flights back or a cancellation, but another flight (or the bus/ferry) won't cost that much, even at the last minute.

You'd probably find the excess on the insurance policy and the time taken to claim would make it not worthwhile anyway.

What about the 10% of things that could happen whereby you will need extra assistance?

A flight back from Ireland booked on the day of travel can be up to £200 each (I have to book these regularly, albeit for a businessman who can afford it!).

A policy will cost you a few pounds at most - probably less than a pint of Guinness - is it worth the risk?

richardw

If you have paid for part of the trip in August, and can't afford to lose it, then consider getting insurance for that aswell.

bandraoi

The excess for most things on a travel insurance policy is likely to be £200 anyway.

Last minute middle of the day and taking the ferry instead are cheaper.

poppie123

richardw wrote: »

If you have paid for part of the trip in August, and can't afford to lose it, then consider getting insurance for that aswell.

Ok, so now you have me really confused. I have paid the deposit for my trip next year and no i can't really afford to lose the money. Why would i need to get insurance for that now, when i do not go until next year?
Would that not just be a waste of 8 months cover ?

Now i am worried, would i be better off then getting an Annual Policy with world wide cover (i only have europe at the minute) in December? that would cover me for my trip to the states next year?

richardw

You need cover in case of cancellation or curtailment especially if what you have paid is non refundable.