Covid-19 Travel Insurance FAQs

Travel Insurance FAQs – Covid-19 (Coronavirus)

For peace of mind on your trips this year, the team here at Blue Insurance IE have gathered some important travel insurance advice for our customers in relation to Covid-19 (Coronavirus) cover.

Important information for Covid-19 (Coronavirus) and your Travel Insurance

Please check the Department of Foreign Affairs (DFA) website (https://www.dfa.ie/travel/travel-advice/) to ensure you are up to date on the latest travel advice to the area/country you are travelling to. The policy will not cover any claims if you travel to an area the Department of Foreign Affairs is advising against 'all' or 'all but essential' travel.

We understand that if you are due to travel soon, or if you are abroad already, you may have some concerns around your Travel arrangements.

If you need to make a claim or discuss a claim, then please contact the claims administrators directly on the details below.

Mapfre Assistance Agency Ireland
Mapfre Assistance Travel Claims
Telephone: 091 560 619 or
Email: traveldept@mapfre.com

What are you covered for:

Scenario	Cover Stance	Cover Conditions
You fall ill with Covid-19 abroad and need medical treatment abroad.	Cover as Standard	No cover if travelling against the advice of the Department of Foreign Affairs (DFA) or medical advice.
You fall ill with Covid-19 abroad and need to be repatriated to Ireland.	Cover as Standard	No cover if travelling against the advice of the Department of Foreign Affairs (DFA) or medical advice.
You fall ill with Covid-19 abroad and you need to extend your stay as a result of Coronavirus incurring additional costs.	Cover as Standard	No cover if travelling against the advice of the Department of Foreign Affairs (DFA) or medical advice.
You fall ill with Covid-19 at home and cannot travel.	Cover as Standard	Subject to positive test result. No cover if symptoms or diagnosis occurred prior to your policy purchase or within 7 days of your issue date.
Your travelling companion falls ill with Covid-19 at home and cannot travel.	Cover as Standard	Subject to positive test result. No cover if symptoms or diagnosis occurred prior to your policy purchase or within 7 days of your issue date.
Your close business associate falls ill with Covid-19 at home and cannot travel.	Cover as Standard	Subject to positive test result. No cover if symptoms or diagnosis occurred prior to your policy purchase or within 7 days of your issue date.
Your family member is hospitalised with Covid-19 and as a result you cannot travel.	Cover as Standard	Subject to positive test result. No cover if symptoms or diagnosis occurred prior to your policy purchase or within 7 days of your issue date.
You are diagnosed with Covid-19 whilst on your trip and must self isolate in your accommodation. You would like to claim for any cancelled excursions.	Cover as Standard	No cover if travelling against the advice of the Department of Foreign Affairs (DFA) or medical advice.
You need to curtail your trip as a close relative has passed away from Covid-19.	Cover as Standard	No cover if your relative was already hospitalised before you left on your trip.

If your policy was purchased and your trip originally booked prior to 13^th March you are additionally covered for:

Scenario	Cover Stance	Cover Conditions
Government or other regulatory authority restrictions due to Coronavirus remain in place at time of departure preventing you from travelling.	Covered if you have Travel Disruption on your policy.	In all instances, you should first contact your Airline, Accomodation or Travel Agent or Tour Operator as you will only be covered for irrecoverable losses.

What you are not covered for:

Scenario	Cover Stance	Relevant Exclusion
Government or other regulatory authority restrictions due to a Covid-19 were already in place at time of purchasing insurance/booking holiday and restrictions remain in place at time of departure preventing you from travelling.	No Cover	There is no cover under your policy for circumstances known to you at the point of purchase.
Government or other regulatory authority restrictions due to a Covid-19 were in place at time of departure and you travelled anyway. You need to make a claim under your policy (under any section).	No Cover	There is no cover under your policy if you travel against DFA or other government advice.
Current government restrictions are removed but are later reinstated due to Covid-19 and prevent you from travelling.	No Cover	Your policy does not cover cancellation due to government restrictions if the policy or trip was purchased after 13th March.
Government restrictions are introduced due to Covid-19 that do not restrict you from travelling to your destination, but require you to be quarantined on return from your trip. You no longer wish to travel and want to cancel your holiday.	No Cover	Your policy does not cover cancellation due to disinclination to travel.
You are due to travel but hear that there are a number of cases of Covid-19 near where you are staying. You no longer wish to travel and want to cancel your holiday.	No Cover	Your policy does not cover cancellation due to disinclination to travel.
You are in receipt of an Irish Government Covid-19 employment benefit payment (PUP or Wage Subsidy Scheme) and no longer wish to travel.	No Cover	Your policy does not cover cancellation due to disinclination to travel.
You booked your trip to attend a specific event (ie Wedding, Sporting Event, Trade Show) which has been cancelled. You no longer wish to travel and want to cancel your trip.	No Cover	Your policy does not cover disinclination to travel for any reason (including due to event cancellation).
You booked your flight and hotel seperately. Your flight is proceeding as planned but your hotel has cancelled your booking, there are other hotels available but you do not wish to travel if you cannot stay at your originally planned hotel.	No Cover	Your policy does not cover disinclination to travel for any reason (including due to a change of venue).
You are due to travel and your hotel advises that certain facilities may now be restricted or closed during your stay. You no longer wish to travel and want to cancel your holiday.	No Cover	Your policy does not cover disinclination to travel for any reason (including lack of advertised facilities at your hotel or venue).
Your holiday has been cancelled due to a DFA advice and your provider is only offering you a voucher rather than a refund.	No Cover	Your policy only covers irrevocable losses. Please note that in most cases you will have a legal right to a refund and should take the matter further with your provider.
You or a household member has to self isolate at home and cannot travel.	No Cover	The policy will only cover where you have received a positive diagnosis of Covid-19 and does not cover self isolation or quarantine without a positive diagnosis.
You have been denied boarding at the airport due to detected symptoms of Covid-19.	No Cover	The policy will only cover where you have received a positive diagnosis of Covid-19 and does not cover self isolation or quarantine without a positive diagnosis.