• 19 - 65 yrs - Max duration Essential 31 days /Premier 60 days / Premier Plus 60 days.
• 66 - 69 yrs - Max duration Premier or Premier Plus 31 days.
• 70 - 75 yrs - Max duration Premier or Premier Plus 21 days.

There is no restriction on the number of times you can go away during the period of this insurance on an Annual Multitrip Insurance policy as long as you do not exceed the maximum trip durations per trip and per policy period (see previous FAQ).

Our Essential and Premier policies Wintersports is not included in the price however it can be included for an additional premium for persons 65 years or younger. On Premier Plus policies Wintersports is included in the price for persons 65 years or younger. Please note there is no Wintersports cover available for persons over 65 years.

On a Multitrip cover, the named adults/spouses can travel separately/independently. Any child under 16 years is also insured to travel independently from their parents provided each child is accompanied by a responsible adult 18 years or over. Any child 16 years or over is covered to travel independently from their parents provided they are travelling on an organised school or college Trip only and with a responsible adult 18 years or over.

A couple can be defined as two adults who are common law partners that have been co-habiting for at least 6 months. This includes same sex couples.

Your cover should start the day you purchase the insurance unless:

• you have an existing policy that covers you until the cover Start Date you choose.
• you have yet to book a holiday and will only do so on or after the cover Start Date you choose.

You have no cover until the Start Date of the policy. Your cover including cancellation protection ONLY begins from the chosen Start Date.

The maximum trip duration we can offer on a Multitrip policy depends on your age and the cover level you choose. Please see "What is the maximum age limit and length of any one trip on a Multitrip policy?" Unfortunately, these trip durations cannot be extended. If you require cover for a longer period than allowed on your Multitrip then you may need to purchase a Single Trip policy to cover the entire duration.

To make sure you have continuous cover under your policy, we will aim to automatically renew (auto-renew) your policy when it runs out, unless you tell us not to. Each year we will notify you 6 weeks before the renewal date of your policy, and tell you about any changes to the premium or the policy terms and conditions.

If you do not want us to auto-renew your policy, you can turn this feature off by logging into the Policy Login section of the website, or contact us by phone or email, otherwise we will collect the renewal premiums from your credit card or debit card.

You should also note that your renewed policy will only be valid when:

• you have told us about any changes to your policy details (including any changes in health conditions) as you will still be required declare any medical conditions;
• and your credit card or debit card details have not changed.

In some cases we may not be able to automatically renew your policy; we will let you know at the time if this is the case. For the facilitation of the auto renewal service, we will assume that your details have not changed and you have the permission of the card holder unless you inform us otherwise.

The maximum duration you can take on a Single Trip policy is:

• 365 days for persons 69 years and under
• 35 days for persons aged between 70-79 years.

Two adults and up to ten children, stepchildren or foster children aged under 19, accompanying the parent(s) or legal guardian insured on the same policy traveling on any trip to the same destination.

Yes, but they must have a policy in their own name, and they will be charged the full adult rate.

You will need to start your policy on the day that you leave to go on your trip and end it on the day you return to the Republic of Ireland. Cover for cancellation on a Single Trip policy starts as soon as the policy is purchased.

You are entitled to spend up to 20% or 31 days, whichever is less, of the insured duration of a trip in another area. This does not include the USA and Canada. To be covered for travel to/in the USA and Canada you must have Worldwide including USA/Canada cover.

The basic rate covers Cancellation/Curtailment of your trip as a result of an insured event, Emergency Medical and other Expenses, Baggage including money, Missed Departure, Personal Accident, Personal Liability, Legal Expenses and Holiday Abandonment. For full details of what is covered please see the Policy Wording.

Provided you have paid the appropriate additional premium you will be covered for up to 31 days of Wintersports activities. You may use these days in any order that you choose. Wintersports definitions and policy limits can be found in the Policy Wording.

We are currently able to provide a maximum of 365 days cover.

If you intend on staying overseas past your policy expiry date you will need to contact us by email/telephone at least 2 weeks before your policy is due to lapse. We can, in some cases, extend cover for a maximum total trip duration of 24 months. Each individual's circumstances will be considered by the Underwriter, who will authorise the extension.

A resident of the Republic of Ireland is someone who is permanently resident in Ireland and has been for the past six months prior to the issue date of your policy. We are unable to provide cover for anyone who is not a resident of the Republic of Ireland.

No. Travel Insurance must be purchased prior to your departure from the Republic of Ireland unless you have purchased this insurance using a Wi-Fi connection whilst travelling on an aircraft or train but before you reach your first international destination.

Please enter your current ages. It does not matter if you have a birthday after you buy the policy; we just need your ages at the time you purchase the policy.

We charge a €3.95 administration handling fee per policy.

If you choose to book your policy through our Call Centre there is an additional €9.95 charge.

When you purchase insurance via our website you have the option to print off your Validation Certificate (proof of insurance) and Policy Wording once the payment has been successfully processed. You will also receive a booking confirmation by email to the email address supplied during the booking process. The booking confirmation contains your account information and details on how you can retrieve your documentation by using the Customer Portal section of our website. If you wish you can also request to receive your documents by post as well as email. Please be mindful of your Environmental Impact when selecting your documents to be sent by post. If you opt to receive the text message, there is a €0.99 charge. The text message contains your policy number and the Emergency Assistance telephone number. We strongly recommend you bring your Validation Certificate and Policy Wording with you when you travel.

If you need to make a change to your policy/details you can login to the Customer Portal section of our website. There are lots of different functionalities here. If you are unable to make the required change/upgrade, please contact us on 0818 44 44 44 or info@multitrip.com and we will be happy to assist you.

All of the above destinations would be covered on a European policy.

A "medical condition" is any disease, illness, injury or symptom for which you (you means all persons insured on the policy) have received medical advice, treatment or medication for in the last 2 years. For further information, refer to the important conditions relating to health section of the Policy Wording.

If you are aware, at the time of taking out your insurance, that you or any person insured on the policy have/had: Any medical condition for which you/they are taking prescribed medication or are waiting to receive, or have received treatment (including surgery, tests or investigations) within the last 2 years then you/they must contact our team on 0818 444 444 and declare your/their medical condition.

Please refer to the important conditions relating to health section of the Policy Wording, subsection Exclusions that apply to all insured persons and exclusions that apply if a close relative or travelling companion has medical conditions.

If cover is refused for your medical condition, we will only exclude any claims relating to that medical condition. The rest of your travel insurance cover will not be affected by this exclusion.

If, at the time of taking out your insurance, you were not aware of the condition or receiving any treatment (including surgery, tests or investigations) for your condition then you will not need to declare this to the medical screening company until your policy is due for renewal.

Yes, you will need to contact to medical screen each year when your policy renews to discuss cover for medical conditions.

A couple can be defined as two adults who are common law partners that have been co-habiting for at least 6 months. This includes same sex couples.

Two adults and up to ten children, stepchildren or foster children aged under 19, accompanying the parent(s) or legal guardian insured on the same policy traveling on any trip to the same destination.

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 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.

No. You may receive a reimbursement if you cancel for any reason outlined in your Policy Wording. Covered reasons include, but are not limited to, such unforeseen emergencies as illness, injury or death of you, your travelling companion and/or a close relative. The cover does not include cancellation due to business obligations, change of mind or your dislike of the travel time.

If you are unfortunate enough to have any lost/stolen items or belongings whilst on holiday, then you must notify the local police within 24 hours and obtain a copy of the police report.

In the case of any medical emergency or the need to curtail your trip due to an insured reason please call our Emergency Assistance Team. If you have Private Health Insurance, then you must also contact them and inform them of your medical emergency. Contact details can be found in your Policy Wording.

The amount you have to pay towards the claim. In practice this is deducted from any settlement amount and is charged per person per claim.

Please refer to the complaints procedure in the Policy Wording.

You may cancel your policy within 14 days of receipt of the policy documents (new business), or for multitrip policies the renewal date, by contacting us on 0818 44 44 44 or info@multitrip.com. Any premium already paid will be refunded to you provided you have not travelled, no claim has been made or is intended to be made, no incident likely to give rise to a claim has occurred and you have not used your insurance to obtain a Visa. The policy will be cancelled with effect from its date of issue.

An activity done on an incidental basis means it happens randomly or casually. The activity would not be the main purpose of your trip. Non-Incidental is exactly the opposite and would be pre-planned. Examples: "I am going on holiday and may have a go at Scuba Diving whilst I'm out there, if I can find a place that does it." - That would be participation in an activity on an 'Incidental' basis. "I am going on a specific Scuba Diving holiday, where my main intention is to Scuba Dive" - That would be participation on a 'Non-Incidental' basis.

Cover can be provided for additional activities under Grades 2 – 4, subject to an additional premium. See the Policy Wording for full details.