Travel insurance for staycation

NIMAN

I am having a holiday in Ireland this summer, but I notice that in the insurance websites they ask UK, Europe, USA, NZ etc.

There is no option for staying at home, without selecting Europe.

Surely thats going to cost more, with no flights to miss etc? All the quotes mention flights, health insurance abroad etc. They obviously assume every aaplicant is heading to the sun!

Does anyone provide Ireland only insurance?

Tenzor07

What would you like to Insure against when holidaying in your own country?

NIMAN

Tenzor07 wrote: »

What would you like to Insure against when holidaying in your own country?

The holiday being cancelled?

People get sick.
Parents die.
Corona.

There can be many reasons you might not be able to go on a holiday.

Tenzor07

NIMAN wrote: »

The holiday being cancelled?

People get sick.
Parents die.
Corona.

There can be many reasons you might not be able to go on a holiday.

Do you not have private health care or a medical card? Health care is more or less free !

If there's an emergency when you're on staycation in Galway and live in Dublin, can't you drive home in less than 3 hours?

NIMAN

Tenzor07 wrote: »

Do you not have private health care or a medical card? Health care is more or less free !

If there's an emergency when you're on staycation in Galway and live in Dublin, can't you drive home in less than 3 hours?

Ok then, what if Corona is in full flight come June, and we are told not to come?

It in Center Parcs, what if the place is closed down?

the14thwarrior

you've little to be worrying about....... cork university hosptial or beaumont dublin........... don't book a hotel or whatever unless refund is available. after that. the most you will lost is one night.

rubberdungeon

Trips must begin and end in the country of residence and both outbound and inbound travel tickets must be purchased before the trip begins.

Any trip solely within the country of residence is only covered where you have pre-booked at least two nights’ accommodation rented for a fee. Please note if your trip is longer than the maximum duration, we will not cover that trip.

https://www.axa-travel-insurance.com/AxaIE/docs/PolicyWording.pdf

huskerdu

Tenzor07 wrote: »

Do you not have private health care or a medical card? Health care is more or less free !

If there's an emergency when you're on staycation in Galway and live in Dublin, can't you drive home in less than 3 hours?

That’s not going to help if you have paid for a holiday home and can’t go because of sickness

NIMAN

the14thwarrior wrote: »

you've little to be worrying about....... cork university hosptial or beaumont dublin........... don't book a hotel or whatever unless refund is available. after that. the most you will lost is one night.

What are you talking about? Little to be worrying about.

So spend money on a holiday and happily lose it for the sake of €25 insurance. Christ how hard is it to get a sensible answer?

And again, its Center Parcs. If the place is shut down for example, we'll lose the holiday not one night.

Nearly sorry I asked now!

kippy

NIMAN wrote: »

What are you talking about? Little to be worrying about.

So spend money on a holiday and happily lose it for the sake of €25 insurance. Christ how hard is it to get a sensible answer?

And again, its Center Parcs. If the place is shut down for example, we'll lose the holiday not one night.

Nearly sorry I asked now!

It's a valid question to be fair to you. Not one many would think to ask but in fairness the cost of a pre-booked staycation can often be more than a holiday abroad.
There has to be some insurance product available.
Sorry I am no help to you but am interested to see if there is something available.

killbillvol2

I'm pretty sure trips in Ireland are covered on my annual policy. No idea how it works in practice though.

An annual policy might be worth looking at - not a lot dearer and makes sense if you'll also be travelling abroad.

myNewName

NIMAN wrote: »

And again, its Center Parcs. If the place is shut down for example, we'll lose the holiday not one night.

If Center Paris shut themselves down they’ll have to give you your money back.... imagine the bad publicity if they closed for fear of Coronavirus and kept the money from everyone who’d booked!!!

huskerdu

killbillvol2 wrote: »

I'm pretty sure trips in Ireland are covered on my annual policy. No idea how it works in practice though.

An annual policy might be worth looking at - not a lot dearer and makes sense if you'll also be travelling abroad.

I just googled an annual travel insurance product and it covers cancellation for accommodation booked in Ireland . It was multitrip.com. I don’t know if this is standard but it is available

ted1

NIMAN wrote: »

I am having a holiday in Ireland this summer, but I notice that in the insurance websites they ask UK, Europe, USA, NZ etc.

There is no option for staying at home, without selecting Europe.

Surely thats going to cost more, with no flights to miss etc? All the quotes mention flights, health insurance abroad etc. They obviously assume every aaplicant is heading to the sun!

Does anyone provide Ireland only insurance?

Ireland is in Europe.

ted1

NIMAN wrote: »

What are you talking about? Little to be worrying about.

So spend money on a holiday and happily lose it for the sake of €25 insurance. Christ how hard is it to get a sensible answer?

And again, its Center Parcs. If the place is shut down for example, we'll lose the holiday not one night.

Nearly sorry I asked now!

If the place is shut down, they’ll refund you.

rubberdungeon

You’re looking for a policy that covers a trip within your country of residence.

I posted earlier that AXA include this but I imagine plenty of other travel insurers include this too.

Uncle Pierre

OP asks a valid question and doesn’t deserve to be ridiculed just because it’s never occurred to some people that travel insurance is as valid in Ireland as it is anywhere else.

It’d be unusual to take out a single trip policy for a “staycation” all right, but if you’ve got an annual multi-trip one, you’re covered for holidays in Ireland the same way as you are for holidays abroad. Having said that, some insurance companies have a "UK and Ireland only" option for single trip policies, so that might suit if a multi-trip one doesn't.

Okay, so things like flight cancellation/delay and lost luggage don’t come into it if you're staying in Ireland. But, for example, if you’ve paid up front for several nights in Center Parcs or a hotel or anywhere else, and then suffer injury or illness the day before your holiday and have to cancel it, you’re covered on your insurance. Medical expenses/personal injury cover also applies in the same way it would if you were abroad.

Mrs OBumble

ted1 wrote: »

Ireland is in Europe.

OP has been given several sensible answers -this is the most comprehensive.

huskerdu

ted1 wrote: »

Ireland is in Europe.

And yet, travel insurance policies treat holidays within Ireland differently to trips abroad , so it is good advice to check the details of the policy and not assume that the sweeping generalisation like this means you have the same cover

What is the OP is flying from Donegal to Dublin, how would getting insurance work?

What is the flight was delayed, lost baggage, crash-landed or something.

I would prefer an insurance option if flying.

Tenzor07

salonfire wrote: »

What is the OP is flying from Donegal to Dublin, how would getting insurance work?

What is the flight was delayed, lost baggage, crash-landed or something.

I would prefer an insurance option if flying.

I'm sure if there's a policy for flight cancellations it would probably add a good bit of cost to the trip... bearing in mind a one way flight from Dublin to Donegal costs around €36 in general...

I'm sure if your luggage was somehow mislaid after the 1 hour long flight then you'd have to go back home for more clothes?

And if you crash land then you'd have more things to worry about... or not..

kippy

Tenzor07 wrote: »

I'm sure if there's a policy for flight cancellations it would probably add a good bit of cost to the trip... bearing in mind a one way flight from Dublin to Donegal costs around €36 in general...

I'm sure if your luggage was somehow mislaid after the 1 hour long flight then you'd have to go back home for more clothes?

And if you crash land then you'd have more things to worry about... or not..

Travel insurance also covers issues such as cancellation due to a relatives death etc
If you have a week booked in Center PARC's you are talking about a figure of over 2k most likely. Would centre parcs refund you should you have a close death in the family, illness in the travelling party that forces cancellation?
Genuine question. Maybe they will.