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Blog Homepage > The Ultimate Travel Insurance FAQs


Whether you’re going skiing or heading to Paris for a romantic getaway, travel insurance is an absolute must. And we’re not just saying that because we’re in the insurance business!

Going on holiday is exciting and the last thing you want is to be worrying about your travel insurance policy, which is why we’ve put together a list of travel insurance FAQs.

1. Will it takes ages to find good travel insurance? Should I just buy the insurance that comes with my flights?

It’s not a matter of good travel insurance, but the right travel insurance policy for you. It definitely speeds things up if you speak to a professional. Travel insurance can cover you from major catastrophes down to something smaller like a stolen camera. When you book your flight, you’ll be offered a deal for insurance and you might be tempted to snap it up straight away, but it’s best to say ‘maybe’ and have a look around to see if you can get travel insurance that’s better for your needs.

2. Do I need single trip or annual?

It depends: is this your one holiday of the year or are you a globe-trotter? If you’re a bit of a Bear Grylls, you’ll likely need cover for more than one holiday so you should take out an annual travel insurance policy. On average, annual cover is best if you plan on taking three or more holidays. Otherwise, go with a single trip travel insurance policy. Sorted!

3. What’s an EHIC then?

This is the European Health Insurance Card. As an Irish resident, an EHIC is a great way to save money. The EHIC grants you access to medical treatment at the same level as you’d get in Ireland when you’re in another country in the EU zone. A couple of things to note about an EHIC:

  • It’s not a replacement for comprehensive travel insurance, even if it does sound great
  • It’s best for use on quick trips
  • It doesn’t cover the cost of coming home after an accident or injury
  • An EHIC is best if you need basic medical treatment abroad.

Basically, it means you can get simple treatment without having to make a claim.

4. Tell me more about medical cover, please

Sure! Our travel insurance policies can cover you in the case of any accidents, injuries, or illnesses, though some pre-existing medical conditions might not be covered. Click here to get a quote now. We cover hospital stays, doctor visits etc., for holidays both in Ireland and abroad. We also offer Medicare Extra Travel Insurance to anyone who has Private Health Insurance with VHI Healthcare, Aviva Health, Laya Healthcare or GloHealth, if you’re interested in going private abroad.

5. What happens if I have to cancel my holiday because of an emergency?

Depending on your travel insurance policy, you might get your money back if you cancel for the reasons we specify e.g. illness, injury, or anything more serious like a death.

6. What about my valuables/cash or luggage?

Depending on your policy, we can offer personal belongings cover up to €2,500 and delayed baggage cover of up to €300, so you’ll be sorted in the case of a theft or if your luggage is mislaid. . Just make sure to always file a police report if personal items are stolen.

7. So what benefits does travel insurance offer?

With Cornmarket you could get benefits like:

  • Up to 4 children (under 18) going free on a family policy
  • Medical and emergency assistance while abroad
  • Medical expenses covered
  • Cancellation or cutting short of your trip cover
  • Personal belongings cover up to €2,500
  • Delayed baggage cover of up to €300
  • An option to include volcanic ash and natural catastrophe cover.

8. Got any last minute travel insurance related pointers?

Some handy travel insurance tips:

  • Declare any info that might lead to a claim
  • Get familiar with your policy and know what’s covered
  • Make sure you get the right travel insurance policy for you
  • Always file a police report if something is stolen.


Whether you’re booking a break away to the sun or treating yourself to a city break, with Cornmarket Travel Insurance you can relax on holiday without having to think about things going wrong.

We have a range of Travel Insurance options so that you can choose the cover that’s right for you. For more information, click here.