Ireland, known for its green landscapes, rich cultural history, and welcoming people, is a popular destination not just for tourists, but also for immigrants and international visitors. Whether you’re visiting for a short time or moving to Ireland long-term, travel insurance is often a mandatory requirement for entry, especially for non-EU/EEA nationals.
Travel insurance provides coverage for unexpected events, including medical emergencies, trip cancellations, lost luggage, and more. For immigrants, especially those waiting for residency or work permit status, having valid travel insurance offers peace of mind during their initial stay in Ireland.
Why Travel Insurance Is Important for Immigrants
Travel insurance is essential for the following reasons:
- Medical Emergencies: Healthcare in Ireland can be expensive for non-residents.
- Visa Requirement: Proof of insurance is often required for short-stay visas (up to 90 days).
- Protection Against Trip Issues: Cancellations, delays, or lost luggage.
- Bridging Coverage: Until you are eligible for public or private long-term health insurance.
Who Needs Travel Insurance in Ireland?
| Visitor Type | Is Travel Insurance Required? |
| EU/EEA nationals | Not required (European Health Insurance Card – EHIC – may suffice) |
| Non-EU/EEA nationals (short stay) | Required for visa application |
| Immigrants awaiting residency permits | Highly recommended |
| International students or workers | Often required by schools/employers |
Immigration officers may ask for proof of travel insurance upon entry.
Minimum Travel Insurance Requirements for Ireland
To meet Irish immigration and visa standards, your travel insurance policy must typically cover:
| Coverage Type | Minimum Requirement |
| Medical expenses | At least €25,000–€30,000 |
| Repatriation | Mandatory |
| Coverage period | Entire duration of stay |
| Validity in Ireland | Policy must explicitly cover Ireland or the Schengen Area |
Even though Ireland is not part of the Schengen Area, Schengen-compliant insurance is still accepted and often preferred.
What Does Travel Insurance Cover?
| Coverage Area | What’s Included |
| Medical expenses | Doctor visits, hospitalization, ambulance services |
| Emergency evacuation | Medical transport back to home country |
| Repatriation of remains | In case of death during stay |
| Trip cancellations/delays | Illness, emergencies, airline issues |
| Lost or stolen baggage | Coverage for lost, delayed, or damaged belongings |
| Personal liability | Accidental injury or damage to others |
Best Insurance Providers for Immigrants in Ireland
Here are some well-known companies offering suitable travel insurance policies for immigrants and visitors to Ireland:
| Provider | Features |
| Allianz Global Assistance | Global coverage, repatriation included |
| AXA Travel Insurance | Competitive rates, medical + COVID-19 cover |
| AIG Europe | Tailored travel plans for immigrants |
| VHI International | Local provider, good for long-term coverage |
| Cigna Global | Comprehensive plans for expats and students |
How to Buy Travel Insurance for Ireland
- Compare Plans Online – Use comparison websites or insurance aggregators.
- Check Visa Requirements – Make sure the policy meets Irish visa standards.
- Select Duration & Coverage – Match the length of your stay and expected needs.
- Apply & Pay Online – Get an instant digital certificate and policy document.
- Print & Carry a Copy – You’ll need it for immigration or visa processing.
Cost of Travel Insurance in Ireland
| Duration of Stay | Average Cost (Per Person) |
| 1 week | €10 – €30 |
| 1 month | €25 – €60 |
| 3–6 months | €80 – €200 |
| 1 year (long stay coverage) | €200 – €500+ |
Costs vary based on age, coverage limits, and any pre-existing conditions.
Travel Insurance for Visa Application
When applying for an Irish visa (especially for short stays or family visits), you must submit:
- A travel insurance certificate (with policy number)
- A letter from the insurer verifying coverage
- Proof of payment or policy documents
The Irish Naturalisation and Immigration Service (INIS) may refuse a visa if the insurance doesn’t meet their standards.
Having valid travel insurance is not just a formality—it’s an essential safeguard for immigrants and short-term visitors to Ireland. Whether you’re coming for a visit, study, or work, travel insurance ensures that unexpected events like illness or emergencies won’t derail your plans or cause financial hardship.
Make sure your policy covers medical treatment, repatriation, and your full stay in Ireland. With numerous providers offering affordable and customizable plans, securing the right coverage is both simple and crucial.
FAQs
1: Is travel insurance mandatory for an Irish visa?
Yes, all non-EU/EEA nationals applying for a short-stay visa must provide proof of valid travel insurance.
2: Can I use my travel insurance to access Irish healthcare?
Only in emergencies. Travel insurance reimburses costs after treatment—it’s not a substitute for public or private health insurance.
3: What if my trip is extended—can I extend my insurance?
Yes. Most insurers allow extensions before the original policy expires. Contact your insurer in advance.
4: Does travel insurance cover COVID-19?
Many modern travel insurance policies include COVID-19 coverage for medical treatment, quarantine costs, and trip disruptions. Always confirm with the insurer.
