Dickson & Wilson Insurance Brokers
Key Factors That Affect Your Travel Insurance Cover
Understanding what influences travel insurance can help you choose suitable cover and avoid unexpected exclusions while you are away.
Destination and Region of Travel:
Where you are travelling can affect policy terms, medical cover limits and pricing, particularly for long haul or higher risk destinations.
Length and Type of Trip:
Short breaks, extended stays and frequent travel throughout the year all carry different requirements and may influence the type of policy recommended.
Traveller Age and Medical History:
Age and any pre existing medical conditions can impact eligibility, cover limits and premium levels
Planned Activities While Away:
Certain sports or adventure activities may require additional cover to ensure you are fully protected.
Cover Level and Policy Options:
The level of protection chosen, including medical limits, cancellation cover and optional extras, will influence overall cost and suitability.
Dickson & Wilson Insurance Brokers
Types of Travel Insurance Cover
Every person’s needs are different. Here’s a quick breakdown of the main types of travel insurance available in Ireland:
| Coverage | Available |
|---|---|
| Cancellation and Curtailment |  |
| Medical Expenses | |
| Baggage and Personal Belongings | |
| Travel Delay and Missed Departure | |
| Legal Expenses | |
| Emergency Assistance | |
| Covid 19 | |
| Gadget Cover | |
| Adventure Sports cover | |
| Golf cover | |
| Hijack cover | |
| Pet Care cover | |
Travel Insurance Extras
Optional Add Ons That Enhance Travel Insurance Cover
Travel insurance extras allow your policy to be adapted to suit how and where you travel. Our brokers will explain which optional covers may be worth considering based on your trip details, activities and budget
Personal Belongings Extension
Increases cover limits for valuables and personal items while travelling.
Event Cancellation Cover
Helps recover the cost of pre booked events if plans change unexpectedly.
Excess Waiver
Removes or reduces the excess payable when making a claim.
Adventure Activity Cover
Provides protection for selected higher risk sports and activities.
Extended Trip Cover
Extends cover beyond standard travel duration limits.
Experienced Travel Insurance Brokers
Why Choose Dickson & Wilson for Travel Insurance?
When arranging travel insurance, it helps to work with brokers who understand different types of travel, policy limits and insurer requirements, rather than relying on one size fits all online cover.
Here is why so many travellers choose us:
- Independent travel insurance advice: We compare policies from a wide range of insurers to help find travel insurance that suits your destination, trip length and cover needs.
- Clear understanding of travel related risks: With years of experience, we understand medical cover, cancellations, activities and the challenges that can arise while travelling.
- Practical cover at competitive rates: Our aim is to secure cost effective travel insurance while ensuring key protections are not compromised.
- Personal service from experienced brokers Speak directly with knowledgeable advisors who can explain your options clearly. No call centres and no automated systems.
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FAQs on Travel Insurance in Ireland
Do I really need travel insurance?
Travel insurance helps protect you against unexpected costs such as medical treatment abroad, trip cancellation, lost belongings or travel disruption. Even short trips can involve significant expenses if something goes wrong.
What does travel insurance usually cover?
Travel insurance typically includes medical expenses, cancellation or curtailment, personal belongings, personal liability and delays. Cover levels and exclusions vary by policy, so it is important to choose cover that suits your trip.
Can I get travel insurance if I have a pre existing medical condition?
Yes, travel insurance is often available for customers with pre existing medical conditions, although conditions usually need to be declared. This ensures the policy provides appropriate protection and avoids issues if a claim is made.
What is the difference between single trip and annual travel insurance?
Single trip cover protects one specific journey, while annual travel insurance covers multiple trips within a year. Annual policies are often more convenient and cost effective for frequent travellers.