If you are going on a Winter Sports holiday, we will provide cover (up to the policy limit) for medical expenses incurred for injuries during your trip, as well as the loss, theft or damage to your winter sports equipment, ski hire, ski pack and piste or avalanche closure.

Individual(s): the principal Insured Person and other Insured Person(s) travelling on the Policy.

Couple: The principal Insured Person and his/her spouse or common law Partner.

Family: The principal Insured Person, his/her spouse or common law Partner, and their dependent child/children aged 23 years old or younger.

Independant travel on annual multi-trip policies: Everyone on an annual multi-trip policy is entitled to travel independantly, but children under 18 who travel alone must be dropped off and picked up by a responsible adult aged over 21.

Private health insurance discount

If you and each additional traveller on this policy have private health insurance in place providing inpatient medical cover abroad to a minimum of €55,000 per person per claim, you qualify for a reduced premium on your travel insurance. This cover must remain in place for the full duration of your policy with us.

In the event of a claim for inpatient medical treatment abroad, you must claim on your private health insurance first. The benefits payable under your travel insurance policy will commence once you have reached the limit on your private health insurance policy.