Travel Insurance is a crucial aspect of trip planning, and it is highly recommended to purchase it as soon as you make significant non-refundable bookings for your trip, such as flights or accommodations. By doing so, you protect yourself against potential unforeseen events that may disrupt your travel plans before your scheduled departure date.

For Single Trip Travel Insurance, you will need to start your policy on the day that you leave to go on your trip. Cover for cancellation on these policies starts from the date of purchase. If you are purchasing an Annual Multi Trip, you are only covered from the date you choose to start your policy.

All of our Travel Insurance policies include cover for cancellation of your trip. To read the terms and conditions that apply to cancellation cover, please read the relevant policy wording booklet.

Yes, it does cover missed flights, but with conditions

Missed departure or connection is included if you’re delayed by public transport failure or vehicle breakdown, preventing you from reaching a booked departure point in time. Reasonable extra travel and accommodation costs are reimbursed, up to your policy limit.

Important conditions:

· Reimbursement will be based you allowing sufficient connection time to get to the airport. Connection time is based on up to the maximum amount of the limit shown on Your Schedule of Cover in order to reach Your booked destination.

· Must check in on time and get written confirmation from carriers or handling agents about the delay (cause and duration) 

· There may be an excess (deductible), and any alternative arrangements offered by the transport provider might affect your claim 

In summary: Yes, missed flights due to public transport disruptions or breakdowns are covered-but you’ll need documentation, must meet policy conditions, and any reimbursement is within set limits.

Please refer to your policy schedule and booklet for specific details.

Yes, it does cover trip cancellation due to illness, subject to specific conditions:

· If you or a close relative  or travelling companion falls ill unexpectedly before your trip and can’t travel, cancellation charges for flights and accommodation are reimbursable under the “Cancellation” section in your schedule of cover documents.

· You must provide a medical certificate from a doctor (GP or consultant, depending on illness type) confirming that the cancellation was medically necessary, and this must be obtained prior to cancelling the trip.

· There is no cover for pre-existing conditions unless they were declared and accepted by Mawdy at policy purchase or renewal.

· Conditions like stress, anxiety, depression or psychological disorders also require a Consultant’s certificate.

Please refer to your policy schedule and booklet for specific details.

Yes -our Travel Insurance does include repatriation coverage, provided the following conditions are met:

·  When a Senior Medical Officer (SMO) determines repatriation is the medically preferred option, the underwriter will arrange and cover the cost of getting you back to Ireland. The attending doctor must issue a certificate confirming you are fit to travel—airlines often require this before boarding.

· If you decline or don’t follow the SMO’s recommendation for repatriation, Mawdy reserve the right to withdraw further cover for that claim.

· Coverage typically includes additional costs like transport for a medical companion or arranging return of remains or ashes, up to the policy limit.

If you are aged 66-86 inclusive, we can cover you although the maximum trip duration is 31 days. The above applies to Single Trip. For an Annual Multi Trip policy, the maximum age at the time of taking out cover is 75.

When you buy an Annual Multi Trip policy you are covered to go away as many times as you want up to a maximum of 183 days annually. Don’t forget that there is a maximum per trip duration – 31 days for Bronze policies, 45 days for Gold policies, and 60 days for Platinum policies. If you are aged 66 and over, the maximum trip duration is 31 days

You can take out a Single Trip policy for up to a maximum of 365 days if you are aged 65 or under. If you take out an Annual Multi-Trip policy, you are covered for any trip not exceeding 31 days (Bronze policies), 45 days (Gold policies) or 60 days (Platinum policies), if you are aged 65 or under. If you are aged 66 and over, we will only cover you for up to 31 days for each trip.

The excess is the amount that you would need to pay towards a claim. For example, if you make a claim of €100 and the excess is €60, you will only be able to claim back the remaining €40. The excess amount is displayed in the policy wording booklet.

Once you have purchased your Travel Insurance, subject to the condition detailed in the note below, you are entitled to a cooling-off period of 14 working days. If you contact Mawdy within this cooling-off period, you are entitled to a full refund of your Travel Insurance policy, provided you have not travelled or made any claims on the policy. To cancel your Travel Insurance and claim your refund, you will need to contact us in writing or by e-mail.

To cancel by e-mail, send your request to ieteles@mawdy.com.

To cancel by post, send a letter to: Customer Service Department, MAWDY Ireland, 22-26 Prospect Hill, Galway.

We will aim to automatically renew your cover when it runs out unless you tell us not to. Each year we will notify you in writing at least 20 working days before the renewal date of your cover. In some cases, we may not be able to automatically renew your cover and we will let you know at the time if this is the case. If you do not want us to auto-renew your cover, call us on 091 560 600 or 01 420 6724.

Under the Cancellation or Curtailment section of the policy you are covered if you need to cancel/curtail your trip due to unexpected complications of pregnancy and childbirth.

You are also covered under the Emergency Medical and Other Expenses whilst overseas if there are unexpected complications as a direct result of pregnancy and medical attention is required.

Travelling whilst pregnant is covered as long as you are not travelling against your doctor’s advice or carrier stipulation. For further details please see your Policy Wording.

You are only covered for Skiing if you purchase the Winter sports cover.

We cover all the following activities in our winter sports Travel Insurance: 

• Cat skiing  • Cross-country skiing  • Glacier walking or trekking  • Ice skating  • Mono skiing   • Off-piste skiing  • Off-piste snowboarding  • Recreational ski or snowboard racing   • Skiing   • Snowboarding   • Snowmobiling   • Tobogganing 

While taking part in off-piste skiing and snowboarding, you must make sure that the areas in which you ski or snowboard are considered to be safe by the resort management.

Scuba diving is covered on all our Travel Insurance policies for up to 14 days, provided you are qualified and that you will be diving no deeper than 30 metres. If you are not a qualified scuba diver or are qualified but will be diving more than 30 metres, you will need to pay an additional premium for each day you will be scuba diving. To add this cover on to your travel insurance policy, please call our Customer Service Department on (01) 420 6724.Please ensure you read the Sports and Activities section of your Travel Insurance Policy Document carefully.

If your chosen activity is unlisted, this means claims arising from this activity will not be covered please contact us directly on (01) 420 6724 to determine if this can be added to your policy. Additional charges may apply.

Any occurrence or loss which may give rise to a Travel Insurance claim should be advised immediately to MAWDY’s claims team Telephone (091) 501 612

Making a claim is easy. To begin, you can download a claims form from our website. You will need to complete the claim form and send it to us with all the relevant documents (e.g. receipts, hospital bills etc). Alternatively, you can contact us by phone on (091) 501 612 or by e-mail at traveldept@mawdy.com. Please note that you will need to notify us of your claim within 31 days of the end of your trip. Once you have registered your claim with MAWDY, this time limit no longer applies.

In the event of a medical emergency, you must call MAPFRE Travel Assistance on 00 353 91 501612 within 48 hours.

Please contact the Customer Service Helpline on (01) 420 6724 and ask for Cornmarket Travel Insurance Customer Service. We are available 24 hours a day, 7 days a week.

We define a resident of the Republic of Ireland as being someone who has been living in the Republic of Ireland for at least 6 of the last 12 months.

If you are a non-Republic resident, other insurers may be able to assist.

No, children can travel independently of the main policyholder subject to the usual terms and conditions of the policy. However, children under 18 who travel alone must be dropped off and picked up by a responsible adult aged over 21.

Unfortunately, we are unable to provide insurance for children aged under 18 who are not travelling with a responsible adult.

Although you do not need to carry your Travel Insurance Policy Document with you for cover to operate, we recommend that you bring your Travel Insurance certificate and the relevant policy wording with you every time you travel. It is a particularly important document as, among other things, it provides you with details on what to do in the event of a medical emergency. In addition, some foreign medical providers may wish to see your travel insurance documentation before they will agree to treat you.

If you have lost your policy documents, please call our Customer Service team on (091) 501 612 or email ieteles@mawdy.com to request a reissue of your documentation.

You will need to inform us of any pre-existing medical conditions you have before purchasing a policy or of any which occurs between the date the policy is incepted and the date of departure. you can do this by completing our quick & easy online medical screening when purchasing your policy. Once this is complete the underwriter will confirm whether or not they can cover your pre-existing medical conditions and whether this would be subject to the payment of an additional premium. You can buy our Travel Insurance, but it is important to note that you may not be covered for some pre-existing illnesses or medical conditions which you knew about at the time of taking out your Travel Insurance. In particular, you are not covered for the following:                                         

· Any claim related to a medical condition, or an illness or death related to a medical condition which you knew about, and which could reasonably be expected to lead to a claim. This applies to you, a relative, business associate or a person who you are travelling with, and any person you were depending on for the trip

· If you are travelling against the advice of a medical practitioner

· If you are travelling with the purpose of receiving medical treatment abroad

· If you, or any person who your trip depends on, are receiving or waiting for hospital investigation or treatment for any undiagnosed condition or set of symptoms

· If you, or any person who your trip depends on, have been given a terminal prognosis.

· Please ensure you read the terms of our Pre-Existing Medical Condition clause carefully to ensure that this insurance is suitable for your needs.