If you are moving to Ireland, travel insurance may be something that is mandatory or optional — it largely depends on your immigration status in Ireland. However, regardless of whether you are obliged to have travel insurance for Ireland or not, opting to invest in an insurance policy will provide you with a range of benefits that can give you invaluable peace of mind as you settle into life in your new home.
For instance, if you are traveling and working in Ireland under the Working Holiday Visa (also known as Working Holiday Authorisation), then a certificate of travel and medical insurance will be required for the duration of your stay in Ireland. This is a mandatory condition for all applicants coming to Ireland through this visa.
However, if you are moving to Ireland from another European Economic Area (EEA) member state, then you will have access to a European Health Insurance Card (EHIC).Therefore, you are not legally obliged to purchase travel insurance. Crucially, however, this does not mean you should not take out an insurance policy.
No matter whether you are a returning Irish citizen or a foreign national coming to Ireland, travel insurance is something that you need to think about seriously. Find out if obtaining a travel insurance plan is mandatory for your stay in Ireland, and from there determine your next move. As always, putting the hard research yards in advance of your arrival can prove invaluable once you get to Ireland.
Benefits of travel insurance
If there is one question that best articulates what most people feel about travel insurance for Ireland it is probably, “do I really need it?”. This sentiment is as relevant in Ireland as it is anywhere else in the world. And while there is no right answer to this question, the reality is that your personal situation, as well as the country that you are moving to Ireland from, will play an important role in arriving at a ‘yes’ or ‘no’ answer.
If for some reason you suffered an injury that required evacuation to your home country while in Ireland, could you afford to do so without the safety net of travel insurance? Aside from financial protection from illness and injury, travel insurance for Ireland is also important to safeguard you financially from the risks of theft or flight cancellation. Do you think you could withstand your flight being cancelled or smartphone being stolen? If you answered no to either of these questions, then you need to carefully consider the many benefits that travel insurance offers people moving to Ireland.
Cancellation or curtailment of your trip
As mentioned earlier, this is one of the biggest reasons why you may invest in travel insurance. Most insurance packages should cover for flight cancellation, while if you need to cut your stay short because of an emergency, a solid travel insurance package will help recoup much of the expenses accrued.
Loss of luggage
Moving to a new country can mean bringing a lot of luggage with you. If your travel itinerary involves a layover or two, then the likelihood of your luggage going missing increases. This is another reason why taking the time to invest in a travel insurance package will be something that will pay off after you arrive.
There is no doubt about it, if you are moving to Ireland from outside the EEA then you need to make sure that you are properly covered for medical expenses that may arise because of illness and injury in Ireland. Sure, after you are settled in Ireland, you may be able to access the public healthcare system (learn more about that here) or purchase a private health insurance plan, but until then, travel insurance is a good idea, and may even be mandatory for your situation.
In the unlikely event that you need to be rescued in Ireland, you need to make sure that you have the appropriate travel insurance package in place to make sure that you don’t face a hefty bill.
One of the most important aspects of any travel insurance premium is repatriation. If you happen to be injured or worse in Ireland, then you need to make sure that you can be repatriated to your home country.