aa travel insurance ireland claim

June 1, 2020

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How to File a Travel Insurance Claim Online

Tips for filing your travel insurance claim

Even with an easy-to-follow online solution, filing any insurance claim is hardly an everyday experience. If you need additional assistance while submitting your claim, don’t hesitate to reach out to Allianz Global Assistance’s team of travel insurance experts at 1-866-907-3045.

We even took some time to chat with our team members to learn about some of the common errors travelers make when filing claims so that we could pass them onto you. These mistakes include failing to check your travel insurance plan’s benefit limits. You’ll want to eyeball your plan’s benefit limits for prepaid, nonrefundable expenses as well as add up the value of your packing list. It might impact which travel insurance plan you pick — or whether you wear that nice dress on the plane or pack it in checked baggage. Another area that’s sometimes overlooked is submitting all required documents for a claim. As noted above, we’ve prepared lists of all the critical items for each type of claim. ( See other common travel insurance claim errors here .) 3

Don’t forget, once you submit your claim, you’re going to want to check its status. There are a few ways to do so, including checking online — or even easier — using our Allyz ®  TravelSmart app .

When travel plans go south, you just want to be able to pick up the pieces, quickly and easily. After all, that’s why you purchased a travel insurance plan. At Allianz Global Assistance, we’ve designed our claims process to be “smooth sailing” – even if your getaway wasn’t.

Related Articles

• Four Insider Tips for Filing a Travel Insurance Claim
• 7 Receipts You May Need to File a Travel Insurance Claim
• What Does Travel Insurance Cover?
• AllianzTravelInsurance.com

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Get a travel insurance quote from The AA

All the help you need to buy the right travel cover for your holiday, get a European Health Insurance Card, and what to do if things go wrong.

Why get travel insurance?

Travel insurance can protect you financially if something goes wrong when you’re travelling abroad or on holiday.

This could include paying for medical care if you fall ill, refunding your booking if you have to cancel or compensating you for lost or stolen personal belongings.

Find out how to secure the right travel insurance in our guide. Here’s what’s included:

What travel insurance covers

Types of travel insurance.

• Buying travel insurance in Ireland
• What the European Health Insurance Card covers
• Making a claim on your travel insurance

Holiday consumer rights

What’s covered by travel insurance.

It depends on the insurance provider and level of cover you choose, but most decent policies cover:

• Emergency medical assistance: which pays for the cost of medical treatment if you fall ill overseas. This also covers repatriation costs to get you home to Ireland if you’re not well enough to travel on a standard flight.
• Personal accidents & injury: which pays you a lump sum if you have a serious accident on your holiday resulting in life-changing injuries, for example, losing a limb or your sight.
• Cancellation & curtailment: which refunds the cost of your trip if you need to cancel or cut short your trip due to unforeseen circumstances, for example, if you or a family member are seriously ill or you’re made redundant after you book.
• Luggage & personal possessions: which pays out the cost of replacing lost or stolen luggage and for essential items to tide you over if your baggage is delayed at the airport.
• Lost or stolen money & documents: covers your foreign currency, including cash like U.S. dollars or British pounds. This also covers your travel documents and passport if they’re lost or stolen on your trip.
• Personal liability cover: which protects you financially if you cause an accident or injure someone else while abroad.

You can also add extra cover to include things like:

• Winter sports, e.g. skiing and snowboarding
• Extreme sports, e.g. scuba diving or paragliding
• Golf equipment & bookings, including your clubs and green fees if you’re injured or too ill to play

Make sure you take your European Health Insurance Card (EHIC) if you’re travelling in Europe, even if you have travel insurance.

To get the right value from your insurance, it pays to get the right type of insurance tailored to your circumstances and the type of travel.

Here’s the types of insurance you can get in Ireland:

• Single trip insurance: This covers one trip only, usually for between 30 and 60 days and is the cheapest.
• Multi-trip insurance: Also called annual cover, it covers multiple trips in one year. It may cover worldwide or just Europe & UK trips.
• Backpackers insurance: Cover designed for travellers going on a long trip or holiday abroad. Many standard travel policies only offer cover for up to 30 days per trip, but with a backpacker policy, you can get cover for up to two years plus cover for visiting multiple counties.
• Winter travel insurance: Cover that includes extra protection for activities like skiing, snowboarding and tobogganing. Some standard travel insurance policies exclude these activities because they’re high risk and the cost of medical care on the slopes can be very expensive.
• Elderly travel insurance: Cover for older people can be harder to find or more expensive because over 65’s pose a greater risk for medical care. It may also have more restrictions, so take more time to read the T&Cs and compare quotes.
• Family travel insurance: Cover for your children will work out cheaper if you buy a family policy and if you choose annual family cover you’ll have the flexibility to travel as an individual or a couple too. Perfect for a snatched weekend away!

You can read our guides How to find the right travel insurance guide or How to get travel insurance as you get older to find out more about other types of insurance.

Single trip or annual multi-trip travel insurance?

If you have more than two trips planned per year, it’s usually cheaper to get an annual policy, but your age and medical history may affect what’s available.

With annual cover, you’ll be covered for any short trips in Ireland, but if you plan to travel outside of Europe and the UK or are unsure of your travel plans, choose an annual policy that covers worldwide destinations.

For a look at the pros and cons of single versus multi-trip insurance, visit How to choose the right travel insurance .

How to choose the right type of cover

You’ll save money by choosing the right type of travel insurance for your circumstances, so ask yourself these questions before buying:

• How many trips are you taking? Consider taking out annual cover if you plan to travel more than three times per year.
• What will you be doing? Consider specialist cover if you plan to go skiing or do another high-risk activity.
• Who is the cover for? Check for discounted cover if travelling as a couple, family or group. If you’re over 70 your choice may be more limited.

For more advice on finding the right insurance for your needs, visit our how to find the best travel insurance guide.

Does travel insurance cover COVID-19?

Losses due to epidemics, border closures, warnings, travel advisories or quarantine rules are generally not covered; however, some insurers offer COVID-19 related benefits.

They may provide cancellation, curtailment, medical expenses and accommodation cover if you get COVID-19 while abroad and are unable to return home as planned.

If this is an important concern, shop around, read the terms and conditions carefully and get several quotes before choosing a travel policy.

Buying travel insurance

How much does travel insurance cost.

Standard single trip insurance could cost you less than €25 if you are young with no underlying medical conditions, but may not provide the cover you need if it’s very cheap.

Annual or multi-trip travel insurance could cost around €50 or more for European cover and €65 or more for Worldwide cover. The older you are, the higher the premium regardless of your health.

If you have private medical insurance which covers you while you’re abroad, your travel insurance will be cheaper still.

What affects the price of cover?

• your destination
• your medical history
• whether you have private health insurance

To find the cheapest travel insurance quote, shop around so you can compare prices and benefits.

What if I have private medical insurance?

Even if your existing medical insurance covers you abroad, a comprehensive travel insurance policy can offer financial protection in other areas, for example, if you need to cancel your trip or your travel money is stolen.

The good news is that many travel insurers in Ireland offer a discount on your quote if your medical insurance covers you abroad, which could make your travel insurance even cheaper.

If you hold private medical insurance, you could get up to 25% off the travel cover price.

What’s the age limit on annual multi-trip cover?

For many annual policies, the maximum age limit is 75 years, but often people over 70 years must hold private health insurance.

Should you buy the cheapest travel insurance?

Although it’s tempting to pick the cheapest policy, it’s not always a good idea with travel insurance. The cheapest policies will offer less cover and have more exclusions.

It’s best not to scrimp on cover for medical expenses and personal liability because you could end up liable for eye-watering expenses if you get ill or are involved in an accident on holiday.

Also, pick a policy that fully covers the cost of the holiday and your belongings and find a policy that includes enough financial protection for you and your family.

Who offers travel insurance in Ireland?

Most of the large insurers in Ireland offer travel insurance, as do private health companies. An online search will also provide a selection of smaller, travel insurance specialists.

Although there are many insurance providers to choose from, many policies are underwritten by the same companies.

What you need to buy travel insurance

Before you buy your travel insurance, you’ll need to know:

• Your destination: usually shown as UK and the Channel Islands, Europe or Worldwide (including or excluding USA and Canada).
• The dates of your trip: this is the date you leave Ireland and the date you arrive back in Ireland.
• Who needs to be covered: usually shown as individual, couple or family but check the help information for exclusions.
• The age of each traveller if you’re buying a group policy, have that information to hand.

You may also be asked to confirm:

• If you hold private medical insurance that covers trips abroad
• If you need cover for winter sports

When should you buy travel insurance?

It’s best to buy your single-trip travel insurance as soon as you book your trip so you’re covered if the flights, accommodation or package holiday is cancelled.

This will also cover you if something happens before your trip starts, which means you have to cancel your holiday, e.g. you or a relative becomes seriously ill.

For an annual or multi-trip policy, you need to know roughly when you’ll be travelling as you have to choose a start date for your policy and it runs a year from that date. If you book a holiday that starts before your policy does, you won’t be covered.

The European Health Insurance Card

What is european health insurance (ehic).

It’s free healthcare available to Irish residents and EU citizens living in Ireland. The European Health Insurance Card, known as the EHIC or formerly E111, shows that you’re eligible for free healthcare when you travel in Europe.

If you’re travelling to the EU or European Economic Area (EEA) you should take it with you in case you become unwell or have an accident and need medical attention.

Each member of your family needs an EHIC when they travel within the EU. You can apply for them in person, by post, or online if you have a medical or drug payment scheme card.

What does it cover?

Here’s a summary of what the EHIC does and doesn’t cover you for:

• Free or reduced cost state healthcare in any of the EU and EEA countries
• Pre-existing medical conditions
• Routine maternity care - as long as you’re not going there to give birth
• A temporary stay up to three months*

Not covered

• Private healthcare or costs for something like mountain rescue
• Ongoing or permanent healthcare
• Medical expenses, if your reason for going abroad is to have treatment
• The cost to fly you back to Ireland

*If you’re a student studying abroad, you’ll be covered for up to an academic year.

How to use the card

If you need medical care while you’re away, you must show your EHIC to the public medical centre or hospital as evidence of eligibility.

You can expect to get the same treatment and care as local residents and on the same terms.

If public healthcare is free in the country you’re visiting, you won’t pay anything, but if there’s a charge for medical services, you’ll be charged too.

Here’s more information about how to use your EHIC in each country and any costs involved.

Do you still need travel insurance?

Yes, it’s essential you get travel insurance and an EHIC, or you won’t be covered for things like cancellation and lost or stolen luggage.

Your EHIC just covers medical costs in the EU, but travel insurance can include many extras to suit your trip, such as winter sports cover. You can find out more about how to choose the best travel insurance in our helpful guide.

How to renew or apply for the EHIC

You can either apply or renew:

• In person: at any local health office except Dublin North West. Check what ID to take.
• By post: Print out an application form and post it to your local health office along with any documents required.
• Online: using the official HSE website

The EHIC is completely free. Never use a website that tries to charge you a fee.

Claiming on your travel insurance

You’ll need to contact your insurance company as soon as possible in the event of a problem.

Remember to take your travel insurance documents and their emergency contact details with you when you travel. Take a paper and electronic copy of the policy so you have more than one way of accessing the information.

If you’re taking expensive items abroad, jot down serial numbers or take photos of your electronics or jewellery before you travel.

Here’s the emergency claim numbers of popular travel insurers in Ireland:

Claiming for illness, accidents and medical emergencies

If you need medical treatment while you’re away, you’ll need to contact your insurer as soon as possible. Your insurer has to agree to any medical procedures, so do this before treatment takes place.

This may not be possible in an emergency, so get evidence of any treatments or medication you’ve paid for.

Depending on the country you’re in, you may have to pay up-front for treatment and claim it back when you get home, so always secure medication receipts or an invoice for medical treatment.

It’s vital you tell your insurer about any existing health problems or conditions when you take out insurance, or you may not be covered.

Claiming for lost, stolen or damaged belongings

If your belongings are lost or stolen, inform the local police within 24 hours of your items going missing and get a statement. If this isn’t possible, tell someone else such as your hotel manager, tour operator or airline and get a written report.

If you have to replace essential items, such as toiletries or clothing, keep receipts for everything you need to purchase and provide them as evidence to support your claim.

Your insurer will want to see that you’ve taken reasonable steps to look after your luggage or belongings whilst travelling, so be prepared for questions and support your claim with evidence wherever possible.

Claiming if you have to cancel your trip

Your claim for cancellation or trip curtailment will only be accepted under certain conditions. It’s wise to check the small print for acceptable reasons, but typically they will be:

• unexpected death, illness or injury involving you, your partner or fellow travellers
• unexpected damage to your home, such as fire, flood or burglary
• you’ve been advised not to travel due to pregnancy (after you bought insurance)
• you’ve been called for jury service or as a court witness

Check your policy schedule for the rules of reimbursement should you have to cut short your trip.

You now have the same rights whether you book your holiday at a high street retailer or online. Here are your consumer rights if you book a package holiday or linked travel arrangement.

When can you cancel?

You can cancel at any time up to the start of your holiday for a reasonable cancellation fee. The less notice you give, the more money you’ll lose.

You may be entitled to a full refund without paying any fee in the following situations:

• In extraordinary circumstances: e.g. war, terrorism, floods and earthquakes that will significantly affect the holiday or stop you from reaching your destination safely.
• If the price increases by more than 8%: you have the right to cancel without paying a charge. Contractually no price changes are allowed within 20 days of the departure date.
• If significant changes to the holiday are made: e.g. departure and arrival times that will affect your accommodation and transport arrangements.

When can the travel company cancel?

They may have to cancel due to extraordinary circumstances beyond their control or where they can’t get the minimum number of participants needed for a trip to run. In these situations, you have the option of:

• A replacement holiday of equal or superior quality
• A lower quality holiday, plus a refund for the difference between the two trips
• A full refund

Can your holiday price go up after you’ve booked?

Yes, the cost can go up but not within 20 days of your departure date. The cost of your trip may be affected by increases to:

• Transport costs e.g. fuel prices
• Taxes, fees and duties charged at airports or ports
• Currency exchange rates

What are my package holiday rights?

If you book a package holiday, you should be:

• Given all the essential information from the retailer or trader before the booking is completed.
• Able to contact the organiser directly and through the retailer you bought the package from (if different).
• Entitled to a full refund and repatriation if the trader becomes insolvent.
• Able to transfer the holiday to another traveller, giving reasonable notice and you may have to pay costs.
• Offered suitable alternative arrangements at no extra cost if a significant proportion of the travel services can’t be provided.
• Given assistance if you’re in difficulty e.g. access to healthcare or alternative travel arrangements.

How to complain about your holiday

You must raise any issues with the travel organiser without delay, where you feel a service isn’t satisfactory. If you delay, it could affect the compensation you get.

They should be allowed to put things right, but if this doesn’t happen, you should gather evidence to support your complaint e.g. take photos or video footage.

If the matter is still unresolved when you’re back home, you should put your complaint in writing within 28 days of the holiday end date. Details of where to send your complaint should be shown in the contract’s terms and conditions.

If you’re unhappy with their response or they fail to respond within a reasonable timeframe, you can contact:

• The Competition and Consumer Protection Commission (CPPC): who can investigate Irish traders and ensure they comply with the Consumer Protection Act.
• ECC Ireland: who can settle complaints between consumers and traders in another EU country, not Ireland.

Travel companies may use arbitration to resolve complaints. This is where an independent party investigates and reviews the evidence to decide how much compensation to award.

You also have the option of pursuing a claim up to €2,000 through the Small Claims Court.

Specific travel insurance questions

What is the maximum length trip i can get cover for.

It depends on the insurer. Most insurance providers cover trips lasting up to 30 days, but you could find cover up to 60 days if you shop around.

If you buy an annual travel insurance policy, you’re covered for multiple trips but only up to the maximum duration per trip and total duration for the year.

If you need continuous cover for longer, backpacker insurance usually lasts up to a year but can last up to two years.

Do you need special travel cover if you're pregnant?

Most travel insurance policies will cover you to travel in the early stages of pregnancy, but you should always check how far into the pregnancy the cover will last. For example, you may be covered to travel up to 32 weeks into your pregnancy but not beyond this date. If you fall pregnant after taking out a travel insurance policy and will be at a late stage in your pregnancy when you’re due to travel, you may be able to claim for cancellation.

What is a linked travel arrangement?

This is where you buy two or more travel services from different companies that are linked. For example, you book a flight on one website and click on a targeted link to another website where you book accommodation for your trip.

The second booking must be made no later than 24 hours after the first, to count as a linked travel arrangement.

You have fewer rights with a linked travel arrangement than with a package contract and you’re only covered against insolvency with the first booking.

What does repatriation mean?

It’s the return of someone to their own country. For example, if you fall seriously ill during your holiday you’d have to travel back to Ireland early and may need treatment on the flight home.

Emergency repatriation can be very expensive because you may need to travel back to Ireland in a specialist air ambulance, or you might have to be brought home from a remote location.

Repatriation is usually included in the medical cover benefit of a travel insurance policy, but check the policy document to make sure.

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Holidays are for leaving your worries behind, so make sure you buy your travel insurance before you set off. We have AA Single Trip and AA Backpacker Travel Insurance but if you have more than one trip planned this year, then AA Annual Travel Insurance is the best option, costing as little as €23 to cover multiple trips throughout the year, if you buy our annual Value cover online. This is based on one adult under 50 travelling to Europe.^

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How to File a Travel Insurance Claim

W hen it comes to travel, there are generally two types of people: people who cannot travel as it is too expensive and those who budget $4,000 per year for vacations, according to Forbes. Travel is costly, so people often purchase travel insurance to safeguard their financial investment from unforeseen events like illnesses, luggage delays, personal emergencies, and more.

When policyholders pay honest money for an insurance policy to offer protection, they want to be able to reap the benefits of the travel insurance claim. If your travel insurance company has denied payment, our tips on how to properly file a travel insurance claim may be helpful.

Why Buy Travelers Insurance?

Travel is generally less stressful with vacation insurance — it is packaged as a wise investment that can protect you against financial losses due to unexpected events. For instance, the U.S. State Department highly recommends international travel trip insurance as Medicare and Medicaid often do not cover overseas medical costs.

The travel insurance premium is relatively small compared to the non-refundable trip costs you could lose in a bad situation. It is particularly worth it if your trip involves non-refundable costs, international travel, or travel to a remote area with limited healthcare facilities or regions prone to natural disasters.

Some of the primary reasons people buy trip insurance are to help offset:

• Emergency medical services and treatment
• Cancellations due to a sudden illness or serious health condition
• Emergency evacuation
• Loss of a friend or family member
• Compromised destinations
• Delayed or lost luggage
• Trip interruption or cancellation

What Is Not Covered By Travel Insurance?

The best insurance policies cover basic and common travel risks and bundle different coverage types related to trip cancellation, medical issues, luggage or trip delays, and more. Travel insurance is not meant to cover all foreseeable events, and every policy will address exclusions differently. Examples of potential limitations are:

• Tropical storms, hurricanes, and other dangerous weather conditions
• Certain medical issues
• Acts of war
• High-risk behavior involving drugs, unlawful acts, or riots
• Government-imposed restrictions

Travel insurance claims submitted without proper documentation or cancellation for reasons not covered by your travel policy are surefire ways to prevent coverage and reimbursement. This is why it is helpful to understand travel insurance coverage properly and take appropriate actions before assuming foul play.

Can You Cancel Travel Insurance and Get a Refund?

Most travel insurance carriers allow refunds, depending on when a policy is canceled and if there is a money-back guarantee. Most insurers ask that the policy be revoked during the review period outlined in the contract terms to qualify for a complete travel insurance refund. If the review period has passed, then policyholders might be eligible for a partial refund or not qualify for one at all.

What To Do if a Travel Insurance Claim Is Denied

If your travel insurance claim submitted for medical reasons, delays, cancellations, or any other reason was denied by your insurer, then remember that you have options. Both denials and rejections may happen for valid as well as unethical reasons. An insurance claim denial is not the end of the road; you can dig deeper to figure out whether you can still be reimbursed under your insurance.

Travel insurance claims are routinely denied when policyholders make common mistakes in their claim forms, or they mistakenly assume their policy covers their specific situation. Good faith denials happen when policyholders do not fill out their travel insurance claim form correctly, do not submit the right documents, or do not include info like contact details for follow-up questions.

In some cases, travel insurance companies may wrongly deny claims and stall the claims process. For instance, they might fail to investigate the claim or conduct proper due diligence. In such scenarios, it is advisable that policyholders adjust and resubmit their insurance claim, appeal the denial, or pursue legal action if insurers continue to illegally hold their payout.

How To Appeal a Travel Insurance Claim: 4 Steps

The travel insurance claim appeal process allows policyholders to ask the insurer to reconsider its decision. When appealing their travel insurance claim, policyholders must:

• Carefully Review the Denial Letter: Review the specific reasons for the denial to determine your next steps. Cross-check the reasons stated with your policy documents, additional emails, and other papers.
• Review Your Policy: Review the terms of your travel insurance policy and pay attention to disclaimers, damage limits, filing time limits, and submission requirements.
• Reach Out for Assistance: After carefully reviewing your policy, if you find the denial letter and policy terms do not line up, contact an insurance legal expert with experience in handling travel insurance claims for help.
• Gather Documentation and Keep Careful Records: Maintain communication records with your insurer, copies of denial letters, and other documentation regarding your claim.

How To Write a Travel Insurance Claim Letter

Sometimes, travelers have to file a trip insurance claim when their vacation does not go according to the plan. A travel insurance claim letter is a formal piece of communication between you and your insurance agency. Its purpose is to ask for reimbursement for covered damages or losses under the travel insurance policy. Therefore, it is important to craft a professional and detailed claim letter to increase your chances of a favorable resolution.

A claim letter should include the following information:

• Introduce Yourself. Include all relevant information of the person appealing (such as the policy number and contact information).
• Address the Denial. Summarize the date you received the letter and why the denial was made. Do not leave out any important details.
• Point Out the Error. Explain why you do not agree with the claims denial, based on your policy and pertinent information.
• Attach Extra Documents. Include all other documents supporting your trip insurance claim, such as photos, additional correspondence, transcripts of phone calls, etc.

How Long Does It Take To Get Reimbursed From Insurance?

Travel insurance companies generally process most claims within a few weeks. Sometimes, the insurance claims process office might have follow-up questions, thereby increasing the time you can expect to hear back. However, if you feel that your insurance claim is taking months to resolve without a proper reason, you should speak to an experienced insurance dispute lawyer. While every situation is different, policyholders should always keep careful and consistent notes as it will help them take informed legal action if necessary.

Travel Insurance Claims Advice on Documentation

You must be thorough with your documentation to enhance your chance of successful recovery. When you file a trip claim, your insurer will more likely refund travel insurance when you include the following information in your claim submission:

• Lost Luggage: Make a list of what was lost, along with the details and cost of each lost item.
• Job Loss: Request that your previous employer send you a notarized letter on company letterhead in the case of a trip cancellation due to job loss.
• Medical Emergency: Include detailed medical records in your claim if a health emergency kept you from traveling.
• Canceled/Delayed Flight: If you could not attend your trip because the flight was canceled or delayed, provide proof such as an email that relays the reasons (mechanical issues, weather, etc.).
• Receipts for Delayed Flights: You might want to keep receipts for necessary expenses incurred due to delays, like hotel stays, transportation costs, meals, and personal necessities.
• Police Reports: These reports can help substantiate claims made for stolen items or car troubles.
• Other Reports: You may include tickets for unused flights or excursions in your insurance claim.

Has a Formal Complaint Been Filed Against the Travel Supplier?

Formal complaints against travel suppliers are helpful in legal cases dealing with similar situations. The Van Rossem v. Penney Travel Service (April 15, 1985) case exemplifies travel insurance gone wrong.

In this case, a newlywed couple arranged a honeymoon trip with travel agent Penney Travel. The agent used a wholesaler, Lotus Tours, to book the reservation without the couple's knowledge. Lotus Tours abruptly went bankrupt before booking the client's reservation with SANDLES, which remained unpaid. When the case came before the court, the judge noted that "an agent who makes the contract in his own name for an undisclosed principal is liable as a principal." Here, the defendant had failed to disclose the identity of Lotus Tours, and so, it was responsible as the principal. The couple had paid $2,059 in advance. The judge awarded them reimbursement of $1,312, plus costs and disbursements.

In another lawsuit, Touhey v. Trans National Travel , a travel agent did not check to see if the hotel a client had booked was duly constructed. The plaintiff-client was awarded $25,000 in special damages because of the mistake.

What Are Bad Faith Insurance Practices?

Bad faith insurance refers to unethical insurance practices used by an insurer to delay, deny, or lowball policyholders. Examples of bad faith insurance practices include:

• Misrepresenting contract language to prevent a payout
• Failing to disclose policy limitations and exclusions to policyholders
• Making unreasonable demands, like excessive paperwork requests to prove a covered loss

Sometimes, only a seasoned insurance dispute lawyer who regularly deals with contract breaches and bad faith claims can identify honest errors from serious red flags and help a policyholder get paid their due.

How to File a Travel Insurance Claim: A Summary

Travelers usually plan their vacations down to the last detail. Travel insurance is a buffer for unplanned curveballs that can derail even the most meticulous plans, such as medical emergencies or misplaced luggage.

Insurance companies are explicit about what travel mishaps or unexpected events they will or will not cover, which is why it is crucial to understand policy limitations and how to properly file a travel insurance claim.

As a final snapshot, the key steps to filing a travel insurance claim include:

• Reviewing policy terms and exclusions.
• Gathering necessary documentation based on submission requirements.
• Submitting your claim according to the insurer's timing and filing guidelines.
• Filing an appeal if an insurance claim is wrongly denied.
• Consulting an experienced insurance dispute lawyer to assist with an intentionally stalled, denied, or undervalued claim.

Travel insurance claims can become challenging, depending on the situation and response from your insurer. When small bumps in the road become permanent roadblocks, it is helpful to know that qualified travel insurance claims attorneys are available to help frustrated policyholders recover their losses. 

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Travel Insurance

Travel a little freer knowing we're on the journey with you

AA Travel Insurance

Travel is part of the Kiwi DNA, but even the best laid travel plans can go unexpectedly wrong. That’s why we offer AA Travel Insurance plans - so you can travel a little freer here in NZ or overseas, knowing help is only a phone call away.

With AA Travel Insurance, your trip can be protected from unforeseen cancellation and loss of deposits before you even depart. So if something happens in the lead-up to your trip, we can be there to help you.

To understand what cover AA Travel Insurance provides for epidemic and pandemic diseases, like COVID-19, check out our FAQs . 

Get a quote

Why choose AA Travel Insurance

Get a quote online in minutes, so you can get back to planning your adventure. All you need are your travel dates, destination and any companions.

We’ve made the process simple, with domestic and international plans to choose from.

With AA Travel Insurance being one of NZ’s trusted travel insurance brands, we are proud to take care of Kiwis’ insurance needs.

We’re backed by the Allianz Worldwide Emergency Assistance programme, ready to help you no matter where you are in the world.

Playing at home or away?

Whether you're hitting the ski slopes or ticking a Great Walk off your list, make sure your trip is covered from unexpected costs like cancellation, travel disruption, and rental vehicle excess.

International

With three plans to choose from, our International Insurance cover is designed to make sure you can still enjoy your holiday even if something goes south.

AA Travel Insurance Benefits:

• AA Member discount

AA Members can get a 10% discount* on new AA Travel Insurance policies. Simply provide your AA Membership number when you apply.

• Cover for missed connections or travel delay

If you miss connections or have any travel delays because of an unexpected situation, you’ll be able to claim up to the benefit limit of your chosen policy. That means cover for extra costs to make alternative travel arrangements or additional delay costs.

• Free cover for dependent children

Dependent children travelling with someone covered under a policy can be covered at no additional charge (for Domestic Cover – that's up to 18 years, and for International Cover – up to 21 years).

• Cover for some COVID-related situations^

Both domestic and international options include selected cover for epidemic and pandemic diseases, like COVID-19. So if you’re diagnosed on your trip and need medical assistance or need to change your plans, you’ll be covered.

• Cover before you depart

Your trip is protected from unforeseen cancellation and loss of deposits the moment your cover is confirmed.

• Cover for recreational activities

Some recreational sports are automatically covered under our policies, including leisure skiing and snowboarding, hot air ballooning, parasailing and paragliding, bungee jumping, and white-water rafting in grade 4 rivers (or less).

For all of these benefits, please make sure you read the Policy Wording to understand the terms, conditions, limits, and exclusions that may apply.

^The policy still has a general exclusion for epidemics and pandemics, and does not cover disinclination to travel due to fear or change of mind. Cover is only provided if you have not commenced your journey against the New Zealand Government’s advice not to travel. There is no cover for lockdowns, changes in government alert levels, quarantine or mandatory isolation applying to a population or part of a population. Please refer to the Policy Wording for full details.

^Terms, conditions, limits, sub-limits and exclusions apply and these are stated in the Policy Wording . Customers considering the purchase of a travel insurance policy should read the Policy Wording to check what is and isn’t covered.

Have a question?

Our friendly New Zealand-based team are here to help. Give them a call anytime from 8:30am to 5pm Monday to Friday, or pop into one of our AA Centres to speak to a consultant.

Call: 0800 630 115

Frequently asked questions

What countries does my selected cover^ for epidemic and pandemic diseases (including Covid-19) cover?

All countries that do not appear on the Level 4 warning “Do not travel” advisory listed on SafeTravel.

SafeTravel houses all warnings inclusive of non-Covid-19 advisories which are issued by the Ministry of Foreign Affairs and Trade (MFAT).

If I contract Covid-19 prior to travelling do I have selected cover^ for epidemic and pandemic diseases?

Cover is in place, providing that the country you are travelling to does not have a MFAT, SafeTravel or New Zealand Government Level 4 warning “Do not travel” in place.

If I contract Covid-19 in transit to my destination country do I have selected cover^ for epidemic and pandemic diseases?

Cover is in place, providing that the countries you are travelling to do not have a MFAT, SafeTravel or New Zealand Government Level 4 warning “Do not travel” in place.

Does selected cover^ for epidemic and pandemic diseases still apply if I am unvaccinated?

Cover is in place as there is no requirement to be vaccinated/boosted under our policy. However, if the destination country requires an inbound traveller to be vaccinated, then the traveller must be able to meet these entry requirements. This also applies to the condition of carriage for example of the airline they are travelling. There is no cover if denied boarding or entry to a country due to not meeting the carrier or country vaccination requirements.

Are there any mandatory epidemic and pandemic insurance requirements to enter certain countries?

Many countries, even before the pandemic, had compulsory health and travel insurance requirements, but many more have since added rules – typically around Covid-19 medical expenses and the associated costs. The coverage type and amount varies by vaccination status and country.  Prior to travelling, check with the nearest embassy, consulate or immigration department of the destination.

If I had Covid-19, should I declare this as a Pre-existing Medical Condition?

At the time of purchasing your policy if you have previously had Covid-19 and are now testing negative, are feeling well with no symptoms at all, then you do not need to declare this as a Pre-existing Medical Condition. A Covid-19 positive test result at a later date would be considered a new infection.

However, if you are:

• still testing positive; or
• still displaying Covid-19 signs and symptoms; or
• have been diagnosed with 'long Covid';

and you wish to have cover, you need to disclose the condition as a Pre-existing Medical Condition and an additional premium may be payable.

Our insurance partner

AA Travel Insurance policies are brought to you by the New Zealand Automobile Association Incorporated (AA), are issued and managed by AWP Services New Zealand Limited trading as Allianz Partners and underwritten by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia) ("Hollard"). You should consider the  Policy Wording  before making any decisions about this insurance policy. Terms, conditions, limits, sub-limits and exclusions apply. 

Financial Strength Rating

The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia), ("Hollard"), has been given a financial strength rating of A (Strong) issued by Standard and Poor's. View the full details on the  Financial Strength Rating .

An overseas policyholder preference applies. Under Australian law, if The Hollard Insurance Company Pty Ltd is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on The Hollard Insurance Company Pty Ltd’s Australian assets to satisfy New Zealand liabilities.

Financial advice

The New Zealand Automobile Association provides general information about AA Travel Insurance products and services so that you can make a choice that best meets your needs. Information provided does not take into account your personal circumstances, needs or goals and is not intended to be financial advice. If you'd like to receive financial advice, you can get professional advice from a registered financial adviser.

More information

Contact us Policy Wording Make a claim Terms and conditions AA Traveller Member Benefits

*AA Members can receive a 10% discount on AA Travel Insurance. Simply provide each traveller’s valid AA Membership number on application. Discount applies to the premium for each AA Member on standard policy and any additional pre-existing medical cover, but doesn’t apply to additional cover for high value items.

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AA Home Insurance

Myth vs. Reality: Is House Insurance Mandatory in Ireland?

Published 9th April 2024 Read Time 10 min

You may be overpaying for home insurance without even realising it. Reviewing your policy annually and after major life events ensures you get the best rate. Immediately shop around after filing a claim, completing renovations, or at renewal. Compare quotes across insurers using online tools. Gather details on your property and coverage needs beforehand. Understand policy terms and avoid gaps. Negotiate with your current provider too – they may match a competitor’s lower quote. Following these steps saves you money, but remember, home insurance is not actually mandatory in Ireland.

Is House Insurance Compulsory in Ireland?

In a word, no. House insurance in Ireland is not legally required. However, not having coverage is extremely risky and can leave you vulnerable financially. Most mortgage lenders actually require home insurance as a condition of approval. Even if you own your home outright, home insurance provides essential protection for your largest asset.

Check Quotes Annually

The truth is, you’re probably overpaying for home insurance. Policy rates and coverage options change over time, so you should compare quotes from different insurers at least once a year to find the best deal. Life events like renovations, claims filed, or renewals also warrant an immediate quote check.

Use Comparison Tools

Comparing home insurance quotes is easier than ever thanks to online price comparison tools. Provide details about your property like square footage, number of bedrooms, and the year it was built. Specify the level of coverage you need for your home’s structure as well as its contents. The tool will instantly provide quotes from multiple top insurers so you can choose the most affordable option with the coverage you need.

Negotiate & Avoid Gaps

Once you’ve found a competitive quote, call your current insurer to negotiate a lower rate. They may match or beat the new offer to keep your business. If you do switch, double check that your new policy takes effect as soon as your current one expires so you don’t end up with any coverage gaps. Paying a bit more attention to your home insurance needs can really pay off by saving you hundreds each year.

How to Get the Best Home Insurance Quotes in Ireland

You’re probably overpaying for home insurance if you haven’t compared quotes recently. The truth is, premiums change often, so checking at least once a year is smart. After major life events like moving to a new home or finishing renovations is also a good time for a quote check. Of course, if your policy is up for renewal or you’ve filed a claim, compare quotes immediately.

To compare home insurance quotes effectively, start by gathering details about your property like the square footage, number of bedrooms and bathrooms, construction materials, security features, and the value of your contents. Then, use a comparison website like AA Home Insurance to enter your information and compare quotes from multiple top insurers. Make sure you understand what’s covered, the policy limits, and the deductibles before you buy.

Once you find a competitive quote, call your current insurer and ask if they can match or beat it. If not, you’ll switch and save. It also pays to avoid coverage gaps, so check that the new policy starts when your current one ends.

Comparing home insurance quotes regularly is the best way to avoid overpaying and maximise your savings. With some upfront work, you can lower your premiums and gain valuable peace of mind that your home and belongings are protected at the best price. Now isn’t that worth a little effort?

What Does Home Contents Insurance in Ireland Cover?

Home contents insurance protects your valuables in the event of damage or theft. But many homeowners overpay for coverage they don’t fully understand or use. The truth is, house insurance is not legally required in Ireland, so you have options.

To avoid overspending on home insurance, compare quotes at least once a year or when your policy renews. You should also shop around after major life events like marriage, divorce or home renovations since your coverage needs may change.

Compare Quotes for the Best Deal

Comparing home insurance quotes is the best way to find affordable coverage customised to your needs. Here are the key steps:

• Gather details about your home like square footage, number of rooms and security features. Have a list of valuables and their estimated replacement costs ready.
• Use a comparison website to compare quotes from top insurers like AA Home Insurance and others. Compare not just premiums but also coverage, limits and exclusions.
• Evaluate the essential terms like the excess (your out-of-pocket costs), contents coverage (for your belongings) and buildings coverage (for the home structure). Make sure you understand what is and isn’t covered.
• Negotiate with your current insurer to match a better offer, or switch to a new company if needed. Just ensure there are no coverage gaps between policies.
• Consider increasing your excess to lower premiums, but only if you can afford the higher out-of-pocket costs in case of a claim. You can also exclude certain valuables to save money if they’re covered under a separate policy.

Home contents insurance provides financial protection for life’s unexpected events. But with some savvy shopping, you can avoid overpaying and find the best value coverage for your home. Comparing quotes regularly is the key to savings.

Top Tips for Comparing Home Insurance Ireland Policies

The truth is, you could be overpaying for home insurance if you’re not comparing quotes regularly. A good rule of thumb is to get new quotes at least once a year, or whenever your policy is up for renewal. Insurance companies frequently change their rates and coverage options, so you’ll want to make sure you’re still getting the best deal.

Shop After Life Changes

Certain life events like getting married, having a baby, or renovating your home can also impact your insurance needs and rates. Be sure to get new quotes shortly after any major changes to ensure your coverage and premiums still suit your current situation.

Understand the Terms

When comparing home insurance quotes, don’t just look at the premiums. Also, evaluate the coverage, limits, and exclusions in each policy. Make sure you understand terms like the sum insured, excess, and specific perils covered. The policy with the lowest price isn’t always the best value if it lacks the coverage you need.

Negotiate with Your Current Insurer

Once you’ve found a better home insurance quote from a competitor, contact your current insurer to negotiate. Many companies will match or beat lower rates to retain your business. Explain that you’ve found a more affordable policy and would like them to lower your premium to a competitive level. They may be willing to adjust your rates rather than lose you as a customer.

Comparing home insurance quotes in Ireland regularly and knowing how to negotiate the best deal can save you hundreds each year. Don’t just settle for the status quo-put in the effort to find an affordable policy tailored to your needs. Your bank account will thank you!

Frequently Asked Questions About Home Insurance Ireland

How Often Should I Compare Home Insurance Quotes?

The truth is, you could be overpaying for home insurance if you’re not comparing quotes regularly. As a rule of thumb, check other insurance companies’ offers at least once a year. Your circumstances change over time, and so do insurance rates. New discounts or coverage options may become available, so see what’s out there.

What Life Events Should Spur a Quote Comparison?

Certain life events warrant an immediate look at new home insurance quotes. If you’ve recently made updates to your property like installing a new roof or central heating system, insurers may offer a lower premium. Getting married, having children, or retiring are also good triggers to check for deals geared toward your new situation. And of course, if your renewal quote comes back significantly higher, shop around before accepting it.

How Do I Effectively Compare Home Insurance Quotes?

Comparing home insurance quotes is actually quite straightforward. First, gather details about your current policy like coverage amounts, exclusions, and riders. Then, contact at least three insurance providers and provide the same information for an accurate comparison. Make sure each quote is based on the same levels of coverage. Look at the total premium, deductibles, and customer satisfaction ratings.

Once you receive the quotes, evaluate them carefully based on your needs and budget. Don’t just go for the cheapest-make sure there are no coverage gaps. If possible, negotiate with your current insurer to match a better offer. Little savings here and there can really add up over the lifetime of your policy. With regular quote comparisons and by maximising discounts, you’ll ensure the best value home insurance for your money.

What is the best home insurance?

There really is no “one-size-fits-all” best home insurance policy for everyone. The best policy for you will depend on your individual needs, priorities, and budget. However, here are some factors to consider when determining what makes a “good” home insurance plan:

• Coverage for replacement value, not just depreciated value. This ensures you can rebuild your home as is in the event of a total loss.
• Sufficient liability to the public cover. At least 500k to 1 million euro is recommended.
• Low excess you’re comfortable paying in a claim. Higher deductibles keep premiums lower but you pay more out of pocket. Find a balance that works.
• Affordable premiums that fit your budget while providing adequate protection. Shop around to compare prices from multiple insurers.
• Good customer service and claims handling reputation. Read reviews and ask friends for insurer recommendations.
• Flexibility to customise coverage to suit your specific needs. Discuss any special requirements with your agent.

Overall, strive for a home insurance policy that provides you peace of mind through reliable protection for an affordable price. The “best” policy is the one that meets your unique circumstances while remaining a good value for the coverage you receive.

So remember – don’t just renew your home insurance policy every year without shopping around. Make it a habit to get fresh quotes annually, and especially after major life events or property changes. Use comparison sites to quickly see if there are better rates available. Negotiate with your current provider, if needed, to see if they can match a lower quote. Just be sure to avoid coverage gaps or limits when switching policies. Staying on top of your options ensures you don’t overpay for the protection you need, without the mandatory requirement forcing your hand.

Published 9th April 2024

By The AA Social Team

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