travel insurance bank of ireland

Bank of Ireland Travel Insurance  Review

This is an Eire Insure summary of...

Bank of Ireland Travel Insurance is an integral part of the Bank of Ireland financial company. They offer a range of travel insurance cover at reasonable costs that the majority of Irish people who are planning a trip in Europe or further afield can easily afford. The protection that Bank of Ireland's policies provide represents good value when comparing it to other Irish insurance brokers.

Bank of Ireland have a variety of travel insurance products that cover a multitude of vacations such as multi-trip or single trip cover as well as protection for a lone traveller or a large group. Purchasing a policy from the Bank of Ireland website is relatively easy. Click the website link below and follow their step-by-step instructions and your personal quote will be calculated within a few moments.

Bank of Ireland Travel Insurance has been designed by Bank of Ireland Insurance Services Limited to provide their client base protection and piece of mind when travelling abroad on holidays. Their web site contains a number of product options to choose from which enables customers to purchase insurance that best suits their needs and financial situation.

BOI Travel Insurance Contact Details

Below you will find contact details for BOI travel insurance .

Website: Bank of Ireland Travel Insurance

Customer Service

Claims department, 24-hour medical emergency assistance.

Email: [email protected]

Bank of Ireland Holiday Insurance Notes

Please note that the information on this page concerning Bank of Ireland holiday insurance is accurate at the time of publishing. However, details of insurance companies and brokers may change in the future. Although the team at Eire Insure strive to keep company information up to date there will be occasions when some info may be out of date.

Best Performing Travel Insurance Companies

Here are the top performing travel insurance companies in Ireland according to the latest expert, retailer and customer reviews.

For more information contact the team at Eire Insure by emailing   [email protected]

Travel Insurance Companies

Its For Women Travel Insurance

Cornmarket Travel Insurancee

Liberty Travel Insurance

Laya Travel Insurance

Blue Insurance Travel

Just Cover Travel Insurance

123.ie Travel Insurance

AIB Holiday Insurance

Chill Travel Insurance

Get Cover Travel Insurance

Trailfinders Travel Insurance

AIG Travel Insurance

AA Holiday Insurance

Bank of Ireland Travel Insurance

AXA Travel Insurance

Tesco Travel Insurance

Aviva Travel Insurance

Ace Travel Insurance

VHI Travel Insurance

Credit Union Travel Insurance

Aer Lingus Travel Insurance

Allianz Travel Insurance Ireland

One Direct Travel Insurance

Compare Insurance Ireland – Ireland’s Leading Insurance Comparison Website

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Travel Insurance .

Travel insurance covers you for unforeseen events while travelling. It can offer you financial protection from having to cancel or curtail your holiday, to delayed or missed flights, lost or stolen money or possessions, lost passports, or lost or delayed baggage.  

It also offers you protection in the event that you or your travelling companions should fall ill and need to pay for emergency medical treatment or repatriation, or have an accident.

Table of Content

What is travel insurance

Types of travel insurance

• Single trip travel insurance
• Annual or multi trip travel insurance
• Backpacking travel insurance
• Over 70’s travel insurance

What does travel insurance cover

Winter sports cover

Who offers travel insurance

How much is travel insurance

Benefits of travel insurance

Factors that affect the price of travel insurance

Get travel insurance today

What is travel insurance?

Travel insurance offers you financial protection should something go wrong while you (and your family) are on holiday.

Compare travel insurance quotes from every insurer.

Take our 90-second online assessment and get the best travel insurance quotes on the market. Our vetted travel insurance partners are regulated by the Central Bank of Ireland and will outline the various options available to you.

Types of Travel Insurance

There are 4 common types of travel insurance to cover when travelling abroad:

Single Trip Travel Insurance

Covers you for a single holiday to one location usually for less than 30 days. This is the most common type of travel insurance.

Annual or Multi Trip Travel Insurance

Annual / multi trip policies cover you for multiple holidays (usually each of less than 30 days duration) within a year to multiple destinations, depending on the cover you choose.

Annual and multi trip policies are very common among frequent travellers and business travellers. 

Backpacking Travel Insurance

Cover for multiple destinations within a year without any limit on the duration of your stay.

Most backpackers are travelling on a budget, so having backpack insurance can help protect against big unexpected medical bills and lost property.

Over 70’s Travel Insurance

Specifically for protecting the over ‘70’s. Make sure your medical expenses are covered when travelling in your golden years.

What does travel insurance cover?

All policies offer cover for cancellation or curtailment of your holiday, lost or delayed baggage, lost or stolen personal money and possessions while abroad, as well as medical emergency cover and repatriation.  Policies also offer personal accident and personal  liability cover.  

Covid 19 cover is also usually included which covers you for cancellation or curtailment of your holiday due to a Covid 19 diagnosis, but not usually for government restrictions due to Covid 19.

Limits of cover vary widely with some policies offering up to €10,000,000 cover for medical emergencies.  AIG’s Premium Plus Plan offers unlimited cover for medical emergencies.  

All insurers have a helpline you can contact while abroad.  AA offers a virtual doctor for medical advice while abroad.

An Post offers car hire excess cover as an option when you purchase travel insurance.

AIG covers you if your accommodation is uninhabitable up to €500 on their more premium plans.

Allianz offers €2,000,000 personal liability cover with silver and gold level travel insurance.

Backpackers insurance covers a trip up to one year’s duration.  Backpackers policies usually include emergency medical cover, repatriation, cover for travel disruption, lost belongings or travel documents  cover, and sometimes personal accident cover.  

Allianz backpacker insurance offers cover if you need to curtail your holiday and return home early.

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Winter sports cover.

Winter sports cover usually includes skiing and snowboarding and is usually an optional addition for which you will pay an additional premium.  

Insureandgo.ie covers 50 sports as standard with their travel insurance.

Student Travel Insurance

All travel insurances offer the option to include a student aged 18- 22 while on the family holliday.  

Backpacker insurance offers students on a longer term holiday cover for their travels.  

Multitrip offers additional cover for exam failure with their backpackers insurance, should your trip be curtailed to resit exams.

Who offers travel insurance in Ireland?

How much is travel insurance?

The price of travel insurance differs depending on many factors such as reason.

Backpacker insurance, age 20, Australia/ New Zealand travel, 1 years travel, no winter sports cover.  €229.00 total price (Blue Insurance).

Single trip, over 70’s, UK travel, with private health insurance, no sports cover.  €64.42 (Multitrip.com).

Family ages 46,45,12,9, Worldwide travel incl. US/ Canada, Multitrip. €400.89 Allianz Gold).

Tailored Travel Insurance Quotes

We are Ireland’s first impartial insurance comparison website.

Our mission is to help consumers find the best insurance deals in Ireland

All research is examined through an independent market research body

Our central bank regulated insurance partners will provide you with free travel insurance quotes from every provider so you always get the best deal

Benefits of Travel Insurance

Peace of mind.

Travel insurance gives you peace of mind and allows you to relax and enjoy your holiday, knowing that you are covered should something unexpected happen. If you or one of your family fall ill or have an accident, you will be covered should you have to cancel your holiday.

Cover Medical Expenses

If you need medical treatment abroad, you will have cover. If there is travel disruption, and your flight is delayed or cancelled, you will be able to make alternative arrangements.

Protect Against Theft

Your money and belongings will be covered should you be pickpocketed. Most policies offer personal liability cover, should you need this.

The financial protection of travel insurance will mean that these expenses will be covered.

Factors that affect the price of travel insurance:

Trip duration.

Whether you need to cover one trip, multiple trips in a year, or a year’s travelling. The longer you are abroad the higher the premium will be.

Travel in Europe is usually cheaper than travel to the USA or Canada. Political or climate reasons in your destination may make your trip more expensive to cover.

Age & Health

Your age and pre- existing health conditions may restrict your cover or be subject to exclusions and may affect the price you pay for cover.

It is really important to be upfront and disclose any pre-existing medical conditions, as you may not be covered unless you do so.

Also, it is usually a condition of cover that you are compliant with any treatments for your condition.

Who you are travelling with?

Family policies are more expensive and cover will be more expensive if travelling with older relatives.

Snow sports will be an optional extra and will increase the price of cover.

Private Health Insurance

If you have private health insurance, you will pay less for travel insurance.

Get a travel insurance quote today.

If you are travelling abroad and want to make sure you and your family are protected from the unexpected, make sure to take our online assessment to speak with a Qualified Financial Advisor who can find you the best quote.

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11 Best Travel Insurance Companies in August 2024

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

If you don't have sufficient travel insurance coverage via your credit card , you can supplement your policies with third-party plans.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers.

Top credit cards with travel insurance

Methodology

Best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at nearly all plan levels. 

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

» Jump to the best cards with travel insurance

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Offers direct billing.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

• Help Centre

How do I make a complaint about my travel insurance?

Bank of Ireland Insurance Service Limited and Chubb European Group SE does everything possible to ensure that you receive the highest standard of service.

If you wish to make a complaint you may do so by writing to:

Chubb European Group SE,

Sedgwick Travel Claims, Merrion Hall,

Strand Road, Sandymount,

Telephone 1800 719 420

Alternatively, you can also contact:

Bank of Ireland, Group Customer Complaints,

Floor 1, Newlands Cross Business Centre,

Clondalkin,

You can also submit a complaint online here

In the event that you are not satisfied with our response, you can refer the matter to the

Financial Services Ombudsman,

Lincoln House,

Lincoln Place,

Telephone (01) 567 7000

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Client Onboarding Manager

Job Description:

Job Title: Client Onboarding Manager

Corporate Title: Assistant Vice President

Location: Chester

Company Overview:

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.

One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We’re devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.

Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization.

Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us!

Be part of something special at Bank of America Chester. Part of a leading global financial institution, we are looking for high potential individuals to join us in driving our people forward. Bank of America Chester is an exciting, diverse workplace where we are committed to delivering a great client experience to the businesses and individuals who call Chester home. Join our team today and find a rewarding, global career.

Role Description:

The Global Markets Client Onboarding team are a client-facing team that manage the onboarding process for new & existing clients.  We work with the Sales & Trading desks to determine the scope of the onboarding request, and then we work with the client to gather all required documentation to meet our Tax, Credit, Legal & KYC requirements.  We then coordinate with all of the internal teams to obtain their approvals, and we complete the setups that enable to client to commence trading. 

Responsibilities Include:

• You will be the voice of the client, enables the strategic development of the client service model and technology platforms
• You will participate in and drive collaborative efforts to advance tools, technology, and ways of working to better serve an evolving client base
• You will ensure Bank of America is industry leading in onboarding – exceeding expectations, enhancing the on-boarding / integration client experience, aligning with client strategies, themes and ensuring we deliver against strategic plans for best in class on-boarding
• You will protect existing revenue and enable new revenue through fund on-boards and mandates won for multi-fund launches

What we are looking for:

• You will have on-boarding experience (asset managers, hedge funds, or other client types)
• You will have working knowledge of AML / KYC and Regulatory requirements for client on-boarding
• You will be presentable, confident and client focused
• You will have client facing experience or ability to conduct discussions with Clients in a confident manner
• You will manage client pipeline and will be facing off with Senior Sales Partners, Managing KYC pipeline, and looking for inefficiencies in the end-to-end onboarding process

Additional Skills:

• Excellent communications skills and ability to present to an audience
• Ability to work under pressure in a team environment
• Ability to liaise with all levels of the firm and people with different experiences and backgrounds
• Self-motivated and able to work unsupervised. Able to manage own time and know when to escalate

Benefits of working at Bank of America

• Private healthcare for you and your family plus an annual health screen to help you manage your physical wellness with the option to purchase a screen for your partner
• Competitive pension plan, life assurance and group income protection cover if you become unable to work as a result of a disability or health reasons
• 20 days of back-up childcare including virtual tutoring and 20 days of back-up adult care per annum
• The ability to change your core benefits as well as the option of selecting a variety of flexible benefits to suit your personal circumstances including access to a wellbeing account, travel insurance, critical illness etc
• Use of a flex fund to use towards benefits
• Access to an emotional wellbeing helpline, mental health first aiders and virtual GP services
• Ability to donate to charities of your choice directly through payroll and the bank will match your contribution
• Opportunity to access our Arts & Culture corporate membership programme and receive discounted entry to some of the UK and Ireland’s most iconic cultural institutions
• Opportunity to give back to your community, develop new skills and work with new groups of people by volunteering in your local area

Bank of America

Good conduct and sound judgment are crucial to our long-term success. It’s important that all employees in the organisation understand the expected standards of conduct and how we manage conduct risk. Individual accountability and an ownership mind-set are the cornerstones of our Code of Conduct and are at the heart of managing risk well.

We are an equal opportunity employer and ensure that no applicant is subject to less favourable treatment on the grounds of gender, gender identity, marital status, race, colour, nationality, ethnic or national origins, age, sexual orientation, socio-economic background, responsibilities for dependants, physical or mental disability. The Bank selects candidates for interview based on their skills, qualifications, and experience.

We strive to ensure that our recruitment processes are accessible for all candidates and encourage any candidates to tell us about any adjustment requirements.

Hours Per Week:

Weekly Schedule:

Referral Bonus Amount:

Learn more about this role

JR-24037823

Manages People:

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Business Credit Card

An essential line of credit which is suitable for SMEs or any business that has related expenses.

• No transaction fees: There are no transaction fees when you use your credit card to pay for goods and services making it a more cost-effective alternative to writing cheques, Cross-border handling fees apply to non-Euro transactions.
• Interest-free credit: Enjoy up to 37 days’ interest-free credit on purchases.  Pay in full each month by direct debit and you can avoid paying interest charges.
• Comprehensive travel insurance 1 : You and up to 3 colleagues are covered for 90 days of any journey when you pay for at least 50% of your fare with your credit card (see below for more information).
• Track what you spend: Tracking your business spending is easier using your detailed monthly cardholder statements. By separating business and personal expenses, a credit card makes expense reconciliation quicker. And there’s no need to pay for business-related expenses on personal credit cards or carry large amounts of cash.
• ​ Exclusive offers: Get access to exclusive experiences, offers and benefits in Ireland or when travelling abroad with MasterCard Priceless Cities at  www.priceless.com . 2
• Worldwide acceptance: Remember your card is accepted worldwide in over 36 million locations so you can rely on it when you are abroad.
• Contactless payments: Make purchases up to €50 3 by simply holding your credit card against the card reader – ideal for quick purchases when you’re on the move.
• Flexible options: You can have an unlimited number of cards per account, set individual credit limits for each business credit card and choose from a range of monthly payment dates to suit your cash-flow.
• Chargeback rights: You are protected when you use your credit card to make purchases in the event of loss or non-receipt of goods or services and in the event of fraud.
• Card liability waiver insurance : Your business is protected from liability for card misuse by employees. Please see documents below: Business Card Liability Waiver Insurance View Print Business Card Liability Waiver Insurance Claim Form View Print Business Credit Card Travel Insurance Policy View Print Business Credit Card Insurance Product Information Document (IPID) View Print
• Set individual credit limits per card
• Unlimited number of cards per account
• Track spend through detailed cardholder statements
• Protect against unauthorised transactions with card liability waiver insurance
• A single payment in full each month by Direct Debit protects you from any potential interest charges Business Credit Card Direct Debit Mandate Form View Print
• Assists in claiming back tax more efficiently as all expenses are on one statement
• Choose from a range of monthly payment dates to suit your business cash flow
• Significant time savings every month by simplifying the expense reconciliation process
• Reduce Bank charges and transaction fees by using your Business Credit Card for purchases instead of writing cheques, etc.
• Up to 37 days interest free credit

Benefits to Cardholders

• Separates business and personal expenses – no need to fund business related expense on personal credit cards or carry large amounts of cash
• Cuts down on paperwork – saves time and hassle by simplifying expense claims
• Covers everyday expenses from petrol, to car tax, car insurance, toll charges, client entertainment and travel
• Itemised monthly statement of your transactions
• Worldwide Customer Services support when travelling (Call 0818 365 505 or from outside Ireland +353 1 404 4000).

Bank of Ireland CardController

An online service enabling you to control employee spending by picking from a variety of controls and settings including setting maximum purchase or transaction amounts, getting 24/7 real-time alerts whenever cardholder spends goes above the limits set and getting alert on certain transaction such as ATM or contactless transactions.

To register for the service log on to cardcontrol-boi.fabrick.com

How to Apply

Applying for the first time

You can now apply online for up to 5 Business Credit Cards (with a combined limit of up to €120,000). Once approved, we will get your card to you in a few days, and you can start using it to manage your business spend.

Sole Trader, Partnerships and Limited Companies

Apply online for up to 5 cards, with a combined limit of up to €120,000

For all other business customers

If you’re a School, Church, Charity or Unincorporated Organisation or need more than 5 cards please arrange a meeting with one of our business advisors.

Existing cardholder and need to apply for additional cards?

Simply download a copy of our application form and return it to your branch or relationship manager

Help & Support

If you need to speak directly to an agent, please use our dedicated credit card lines.

ROI : 0818 251 251 or 01 4044000

All other locations : +353 56 775 7747

Emergency Numbers

ROI Freephone: 1800 946 764

All Other Locations Not Freephone: +353 567757007

• Terms and Conditions Terms of Business View Print Business Credit Card Terms and Conditions effective from 08 February 2024 View Print

Choose how you want to apply:

• Sole Trader, Partnerships and Limited Companies – Apply online for up to 5 cards, with a combined limit of up to €120,000
• For all other business customers In your local branch – if you’re a School, Church, Charity or Unincorporated Organisation or need more than 5 cards please arrange a meeting with one of our business advisors.
• For all other business customers Find out more if you’re a School, Church, Charity or Unincorporated Organisation or need more than 5 cards