Compare travel insurance for Ireland

Green pastures, iconic cathedrals and mighty castles are among some of Ireland’s most impressive settings. Read what you need to know about travel insurance for Ireland to keep you covered for your trip.

Green pastures, iconic cathedrals and mighty castles are among some of Ireland’s most impressive settings. Read what you need to know about travel insurance for Ireland to keep you covered for your trip.

Josh Daniels
From the Travel team
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Posted 2 FEBRUARY 2021

Why do I need travel insurance for Ireland?

It’s important to get travel insurance as it can provide financial cover for a range of eventualities, including any medical treatment should you need it while you’re away.

If you’re visiting Ireland, you won’t need a European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC)  to access state healthcare services, as you would in most other European countries, but you’ll have to prove you’re a UK resident. You can show your NHS number, alongside your passport, driving licence or similar documentation as proof of UK residency.

Travel insurance will also cover you in the event your trip is cancelled or cut short due to any of the reasons specified in your policy, such as bereavement. It’s a key part of your travel insurance policy should the worst happens and you need to cancel your trip. Therefore, it’s a good idea to arrange your travel insurance when you book your holiday.

If your belongings are stolen or damaged, they’ll typically be covered under a travel insurance policy. Make sure you check your single item limit – this is the maximum you can claim on any one item.

Each policy will vary depending on the provider and the level of cover you choose. You can easily click on each policy to check what you’re covered for before committing to one.


The travel traffic light system currently states that trips to green and amber listed countries are legally permitted if you live in England and Scotland. If you live in Wales and Northern Ireland, you still need to follow the rules for your relevant government.

Please note: from 4am on 4 October 2021, the current traffic light system will be replaced by a single red list of countries.

Currently, if your destination of choice is on the green or amber list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you are aware of any specific requirements relating to entry and ensure travellers from the UK are permitted. Countries can have their traffic light status changed with short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

The FCDO currently advises against all but essential travel to red list countries. Most insurance policies purchased to cover a trip to a destination where the FCDO has instructed citizens not to travel to won’t be valid, however, some insurance providers may offer reduced cover if you’re travelling for essential purposes. Should you have any queries, please check the policy wording, or contact your chosen provider before purchasing, to ensure the cover meets your needs.

Travel within England, Scotland and Wales is permitted under the current guidelines. However, public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. Check the latest guidance from the official tourism boards for England, Scotland, Wales and Northern Ireland respectively.

Find out more here

Customers with more serious pre-existing medical conditions

When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions. 

MoneyHelper has launched a directory of insurance providers who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at MoneyHelper or by calling them on 0800 138 7777.

What kind of travel insurance might I need for Ireland?

The type of cover you’ll need depends on what you plan to do during your trip. You might need:

  • Single trip: This insurance will cover you for one trip up to 30 days.  
  • Annual multi-trip: If you’re taking more than one trip a year to various destinations, then a multi-trip policy could be the most cost-effective.
  • Business travel: If you’re travelling for work, then you must select business travel when you do a quote.

Any other travel tips for Ireland?

Weather: Ireland has a mild but damp climate, so bear that in mind when packing.

Transport: Buses don’t stop in Ireland, even at the designated bus stops, unless you flag them down.

Shops: Shops and restaurants may have limited opening hours on Sundays, so make sure you check and plan ahead.

Currency: The Republic of Ireland currency is the euro. However, if you cross into Northern Ireland, the currency is sterling.

Get a heritage card: you can get a heritage card that provides free entry to castles, national parks and war memorial gardens.

Culture: Ireland has a lot of traditions and customs such as Irish dancing, Gaelic sports and a big pub culture. You can also expect a real buzz if you’re visiting for St Patrick’s Day on the 17 March.

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