What are the best travel insurances for Ireland in 2025?

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A. Fruchard
A. Fruchard
updated on July 15, 2025
Table of Contents
  • The best travel insurance for Ireland
  • Is it currently safe to travel to Ireland?
  • Is travel insurance required for a visa to Ireland?
  • Why take out travel insurance for Ireland?
  • What coverage is included in travel insurance for Ireland?
  • The cost of travel insurance for Ireland
  • How can you pay less for your travel insurance to Ireland?
  • Can I rely on my current insurance to cover me in Ireland?
  • FAQ
  • On the same topic
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Travel insurance for Ireland: key takeaways

1. Definition: Travel insurance for Ireland covers medical emergencies, trip cancellation, and other unforeseen events.
2. Key protection: Insurance is not mandatory for US citizens but is vital for covering high medical costs.
3. Healthcare cost: A hospital stay in Ireland can cost non-residents over $1,000 per night without insurance.
4. Price: A basic one-week travel insurance plan for Ireland typically costs between $30 and $60.
5. Good to know: Your US health plan, including Medicare, likely offers no coverage for medical care in Ireland.

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Why trust HelloSafe?

HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 38 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Ireland.

The best travel insurance for Ireland

Contract we recommendMedical reimbursement limitOur view
HelloTravel Premium$1.1MExcellent for travelers to Ireland.
- high reimbursement ceiling
- evacuation support
- strong contractual clarity
Cap Assistance 24/24$1.1MRecommended for short and extended stays.
- 24/7 support
- medical incidents covered
- no deductible for emergencies
Tourist Card$0.5MConvenient for tourism in Ireland.
- strong basic coverage
- emergency assistance
- competitive for trips under 60 days
Travel Pass Monde$0.8MGood balance for leisure and business.
- wide medical cover
- hospital expenses included
- repatriation supported
Globe Partner$0.3MPractical for a variety of visits.
- essential health guarantees
- civil liability
- reimbursement process is straightforward
Globe Traveller$0.5MBest for limited-risk and short stays.
- essential care
- quick claim settlement
- capped ceiling
HelloTravel Premium
Medical reimbursement limit
$1.1M
Our view
Excellent for travelers to Ireland.
- high reimbursement ceiling
- evacuation support
- strong contractual clarity
Cap Assistance 24/24
Medical reimbursement limit
$1.1M
Our view
Recommended for short and extended stays.
- 24/7 support
- medical incidents covered
- no deductible for emergencies
Tourist Card
Medical reimbursement limit
$0.5M
Our view
Convenient for tourism in Ireland.
- strong basic coverage
- emergency assistance
- competitive for trips under 60 days
Travel Pass Monde
Medical reimbursement limit
$0.8M
Our view
Good balance for leisure and business.
- wide medical cover
- hospital expenses included
- repatriation supported
Globe Partner
Medical reimbursement limit
$0.3M
Our view
Practical for a variety of visits.
- essential health guarantees
- civil liability
- reimbursement process is straightforward
Globe Traveller
Medical reimbursement limit
$0.5M
Our view
Best for limited-risk and short stays.
- essential care
- quick claim settlement
- capped ceiling
👉 Compare the best travel insurance for freeI compare

Is it currently safe to travel to Ireland?

As of June 2025, the US Department of State advises travelers that Ireland is considered safe and standard precautions are sufficient. There are no significant travel restrictions for US citizens.

Here are their four main recommendations.

  • Security risks: Theft and petty crime, especially pickpocketing, remain concerns in central Dublin and crowded tourist areas. Rental cars are regularly targeted by thieves in parking lots.
  • Health risks: Ireland’s health system is modern, but non-residents may be required to pay for care. Tap water is safe to drink and there are no vaccination requirements.
  • Entry procedures: Border officials may ask for proof of sufficient funds and a return ticket on arrival. U.S. citizens have, on occasion, been refused entry due to unclear travel plans.
  • Cultural norms: Public behavior is generally informal, but respecting queues and local customs is appreciated. Tipping in restaurants is not required but is customary for good service.

Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Ireland.

Is travel insurance required for a visa to Ireland?

No, travel insurance is not mandatory for travelers from the United States to obtain a visa or enter Ireland for tourism or business stays up to 90 days.

It is still strongly recommended to have travel insurance because, while Ireland offers good quality healthcare, visitors may be required to pay the full cost of services in case of illness or accident, as US health insurance is not valid in Ireland.

According to our data, 50% of travelers purchase travel insurance before going to Ireland because healthcare services can be expensive for tourists and unexpected situations may arise during the trip.

Why take out travel insurance for Ireland?

It is an essential financial and medical protection for anyone going to Ireland.

Healthcare costs in Ireland can be high for foreign visitors, as access to free or subsidized public care is limited for those without residency. Private hospitals like Mater Private Hospital or Blackrock Clinic in Dublin are often used, and treatment there can be expensive for travelers, with even minor care leading to significant bills.

Travel insurance covers essential protections such as medical expenses, hospitalization costs, medications, ambulance transportation, and repatriation costs to the United States in case of a serious issue.

Here are some examples of healthcare costs in Ireland.

Example of medical treatmentCost at Mater Private HospitalCovered by travel insurance
I have to be hospitalized 48 hours after contracting an infection3,200 EUR (approx. 3,500 USD)Up to 100% of costs, depending on plan
I broke my tibia (X-ray, cast, and crutch rental)2,100 EUR (approx. 2,300 USD)Up to 100% of costs, depending on plan
I need to be repatriated15,000 EUR (approx. 16,500 USD)Up to 100% of costs, depending on plan
I have appendicitis (consultation and surgery)7,800 EUR (approx. 8,600 USD)Up to 100% of costs, depending on plan
I have to be hospitalized 48 hours after contracting an infection
Cost at Mater Private Hospital
3,200 EUR (approx. 3,500 USD)
Covered by travel insurance
Up to 100% of costs, depending on plan
I broke my tibia (X-ray, cast, and crutch rental)
Cost at Mater Private Hospital
2,100 EUR (approx. 2,300 USD)
Covered by travel insurance
Up to 100% of costs, depending on plan
I need to be repatriated
Cost at Mater Private Hospital
15,000 EUR (approx. 16,500 USD)
Covered by travel insurance
Up to 100% of costs, depending on plan
I have appendicitis (consultation and surgery)
Cost at Mater Private Hospital
7,800 EUR (approx. 8,600 USD)
Covered by travel insurance
Up to 100% of costs, depending on plan

These prices are given as an indication and may vary depending on the facilities and regions.

It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.

What coverage is included in travel insurance for Ireland?

Main coveragesExplanations and recommendations
🏥 Medical expensesCovers sudden illness or accident requiring treatment, hospital stay, or medicine.
We recommend a minimum reimbursement limit of $150,000 per person due to potential high health costs and repatriation.
🚑 Medical repatriationPays for evacuation to the US or nearest facility if care cannot be provided in Ireland.
A limit of at least $250,000 is recommended.
💼 Trip cancellationProvides reimbursement if you must cancel your trip due to illness, emergencies, or unforeseen events.
Choose a reimbursement limit matching your total prepaid travel costs.
✈️ Travel interruptionCovers the cost of returning home early if a serious incident occurs during your trip.
Match coverage to the total value of your trip.
🧳 Baggage loss/theftCompensates for lost, stolen, or damaged baggage and personal items.
A limit of at least $1,500 is recommended for Ireland.
🚗 Rental car coveragePays excess fees if your rental car is damaged or stolen.
This is optional, but recommended for those planning to drive, with a recommended limit of $35,000.
🕒 Travel delayReimburses additional costs for delayed flights or accommodations due to covered reasons.
A minimum limit of $500–$1,000 is suggested.
👨‍⚖️ Personal liabilityCovers costs if you accidentally injure someone or damage property while in Ireland.
A minimum limit of $100,000 is recommended.
Table detailing main travel insurance coverages with explanations and recommendations.
🏥 Medical expenses
Explanations and recommendations
Covers sudden illness or accident requiring treatment, hospital stay, or medicine.
We recommend a minimum reimbursement limit of $150,000 per person due to potential high health costs and repatriation.
🚑 Medical repatriation
Explanations and recommendations
Pays for evacuation to the US or nearest facility if care cannot be provided in Ireland.
A limit of at least $250,000 is recommended.
💼 Trip cancellation
Explanations and recommendations
Provides reimbursement if you must cancel your trip due to illness, emergencies, or unforeseen events.
Choose a reimbursement limit matching your total prepaid travel costs.
✈️ Travel interruption
Explanations and recommendations
Covers the cost of returning home early if a serious incident occurs during your trip.
Match coverage to the total value of your trip.
🧳 Baggage loss/theft
Explanations and recommendations
Compensates for lost, stolen, or damaged baggage and personal items.
A limit of at least $1,500 is recommended for Ireland.
🚗 Rental car coverage
Explanations and recommendations
Pays excess fees if your rental car is damaged or stolen.
This is optional, but recommended for those planning to drive, with a recommended limit of $35,000.
🕒 Travel delay
Explanations and recommendations
Reimburses additional costs for delayed flights or accommodations due to covered reasons.
A minimum limit of $500–$1,000 is suggested.
👨‍⚖️ Personal liability
Explanations and recommendations
Covers costs if you accidentally injure someone or damage property while in Ireland.
A minimum limit of $100,000 is recommended.
Table detailing main travel insurance coverages with explanations and recommendations.

Travel insurance from local providers or bank cards often offers limited coverage, with low reimbursement limits and many exclusions. It is safer to choose a trusted insurer with full coverage. Compare the top options on HelloSafe and subscribe online for instant certification.

The cost of travel insurance for Ireland

Trip durationTraveler’s ageIndicative price per person
1 week25 years old$20
2 weeks45 years old$34
1 month35 years old$45
1 month70 years old$87
1 week
Traveler’s age
25 years old
Indicative price per person
$20
2 weeks
Traveler’s age
45 years old
Indicative price per person
$34
1 month
Traveler’s age
35 years old
Indicative price per person
$45
1 month
Traveler’s age
70 years old
Indicative price per person
$87

These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.

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Good to know

The price of your travel insurance is determined by several key factors, including the traveler's age, trip duration, destination, and selected coverage options like trip cancellation. Higher-risk destinations or longer trips often cost more. It's important to keep these in mind to find the right policy for your needs and budget.

💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.

👉 Compare the best travel insurance for freeI compare

How can you pay less for your travel insurance to Ireland?

Here are some suggestions to optimize the cost of your travel insurance to Ireland while keeping good coverage:

CriteriaWhy it mattersExpert tip
🧑‍💼 Traveler’s agePremiums increase with age and can affect older travelers more. This is especially relevant for longer trips.Heymondo does not increase its prices for people over 62, which helps save on premiums for seniors.
🗓️ Trip durationThe insurance price rises with additional coverage days. Cover only the period you will be in Ireland.Match your policy strictly to your travel dates, avoiding coverage for unnecessary extra days.
🏥 Level of coverageComprehensive medical and repatriation benefits are important due to high healthcare costs in Ireland.Select strong medical coverage, but avoid costly add-ons you do not seriously need.
🌍 Geographical scopeIncluding global or extra regions makes policies more expensive if you only travel to Ireland.Choose European-only or Ireland-specific coverage for a lower premium than worldwide plans.
👨‍👩‍👧‍👦 Number of travelersMulti-person or group policies can be more cost-effective than individual ones.Use a family or group policy for Ireland to pay less per person than booking separately.
💳 Deductible/excessA higher deductible reduces premiums, but increases your share of the cost if a claim arises.Consider a deductible that you are comfortable paying to benefit from annual premium savings.
🥾 Activities plannedIreland is great for hiking and cultural tourism, but adventure sports coverage raises costs.Avoid sports/extreme activities add-ons if you only plan sightseeing and moderate outdoor walks.
🧑‍💼 Traveler’s age
Why it matters
Premiums increase with age and can affect older travelers more. This is especially relevant for longer trips.
Expert tip
Heymondo does not increase its prices for people over 62, which helps save on premiums for seniors.
🗓️ Trip duration
Why it matters
The insurance price rises with additional coverage days. Cover only the period you will be in Ireland.
Expert tip
Match your policy strictly to your travel dates, avoiding coverage for unnecessary extra days.
🏥 Level of coverage
Why it matters
Comprehensive medical and repatriation benefits are important due to high healthcare costs in Ireland.
Expert tip
Select strong medical coverage, but avoid costly add-ons you do not seriously need.
🌍 Geographical scope
Why it matters
Including global or extra regions makes policies more expensive if you only travel to Ireland.
Expert tip
Choose European-only or Ireland-specific coverage for a lower premium than worldwide plans.
👨‍👩‍👧‍👦 Number of travelers
Why it matters
Multi-person or group policies can be more cost-effective than individual ones.
Expert tip
Use a family or group policy for Ireland to pay less per person than booking separately.
💳 Deductible/excess
Why it matters
A higher deductible reduces premiums, but increases your share of the cost if a claim arises.
Expert tip
Consider a deductible that you are comfortable paying to benefit from annual premium savings.
🥾 Activities planned
Why it matters
Ireland is great for hiking and cultural tourism, but adventure sports coverage raises costs.
Expert tip
Avoid sports/extreme activities add-ons if you only plan sightseeing and moderate outdoor walks.

Can I rely on my current insurance to cover me in Ireland?

It is completely legitimate to wonder whether your current insurance, such as credit card coverage or public health insurance, can protect you while traveling in Ireland. Unfortunately, this coverage is often limited or insufficient. Here is a summary table to help you review your current insurance and what it covers.

Type of insuranceValid in Ireland?What it coversWhy Travel Insurance is better
Public health insurance (Medicare, Medicaid)No, neverNo coverage for medical expenses outside the United States. No repatriation included.Travel insurance covers $100,000+ for medical care, emergency evacuation, and repatriation.
Private health insurance (Aetna, Blue Cross, Cigna)Yes, partlyLimited urgent care coverage, usually reimbursement after return. Excludes many travel risks.Travel insurance provides $100,000+ for care in Ireland, urgent dental, and 24/7 assistance.
Classic credit card (Visa Classic, Mastercard Standard)Yes, partlyEmergency medical under $10,000, excludes luggage loss and trip cancellation.Travel insurance covers $100,000+, lost baggage, trip cancellation, and personal liability.
Premium credit card (Chase Sapphire Reserve, Amex Platinum, Citi Prestige)Yes, partlyMedical fees up to $100,000, some baggage or delay coverage with limits.Travel insurance includes $5,000+ trip cancellation and expansive support while abroad.
Public health insurance (Medicare, Medicaid)
Valid in Ireland?
No, never
What it covers
No coverage for medical expenses outside the United States. No repatriation included.
Why Travel Insurance is better
Travel insurance covers $100,000+ for medical care, emergency evacuation, and repatriation.
Private health insurance (Aetna, Blue Cross, Cigna)
Valid in Ireland?
Yes, partly
What it covers
Limited urgent care coverage, usually reimbursement after return. Excludes many travel risks.
Why Travel Insurance is better
Travel insurance provides $100,000+ for care in Ireland, urgent dental, and 24/7 assistance.
Classic credit card (Visa Classic, Mastercard Standard)
Valid in Ireland?
Yes, partly
What it covers
Emergency medical under $10,000, excludes luggage loss and trip cancellation.
Why Travel Insurance is better
Travel insurance covers $100,000+, lost baggage, trip cancellation, and personal liability.
Premium credit card (Chase Sapphire Reserve, Amex Platinum, Citi Prestige)
Valid in Ireland?
Yes, partly
What it covers
Medical fees up to $100,000, some baggage or delay coverage with limits.
Why Travel Insurance is better
Travel insurance includes $5,000+ trip cancellation and expansive support while abroad.
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Example

While hiking in County Kerry, Mark suffered a severe concussion. The air ambulance and initial hospital care cost $25,000. His Chase Sapphire card’s insurance had a low medical limit, and his US health plan didn’t cover overseas emergency transport, leaving him with a shocking $22,000 bill for a simple fall.

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Expert advice

Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption due to a relative’s illness or death, might be excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to get dedicated travel insurance tailored to your trip.

FAQ

Do I need a visa to travel to Ireland?

U.S. citizens do not need a visa for tourism or business visits to Ireland that last up to 90 days. However, you must have a valid passport for the duration of your stay. Irish officials may ask you to show proof of return travel and sufficient funds for your visit.

How do I purchase travel insurance for Ireland?

Begin by using the HelloSafe travel insurance comparison tool to review different options. Check each policy for features relevant to Ireland, focusing on coverage for theft, medical care, and exclusions that may apply. Proceed to buy your chosen plan online, and you will receive your insurance certificate directly by email.

Does travel insurance for Ireland cover theft or loss of belongings?

Most travel insurance policies include coverage for theft, which is important given higher rates of petty crime in cities like Dublin. Be sure to review the policy’s limits and any requirements for documentation if you need to make a claim. Theft from vehicles and accommodations is often included under baggage or personal effects.

What should I do if I need medical care while in Ireland?

Medical facilities in Ireland are modern and widely available. As a visitor, you may be charged for treatment at both public and private clinics. Travel insurance typically reimburses covered medical expenses, so keep all receipts and documentation to facilitate the claims process with your insurer.

Can I get travel insurance for rental cars in Ireland?

Many travel insurers offer optional rental car coverage, which can be especially valuable in Ireland where rental vehicles are frequently targeted by thieves. This coverage usually includes vehicle theft and damage but may exclude certain types of vehicles or drivers. Review your policy documents to understand conditions and coverage limits.

Do I need to show proof of travel insurance to enter Ireland?

While you are not required to present travel insurance at the border, Irish immigration officials may ask for evidence of sufficient funds and travel plans. Carry your insurance certificate and other documents, such as proof of accommodation and return ticket, to help demonstrate your preparedness if requested.

Do I need a visa to travel to Ireland?

U.S. citizens do not need a visa for tourism or business visits to Ireland that last up to 90 days. However, you must have a valid passport for the duration of your stay. Irish officials may ask you to show proof of return travel and sufficient funds for your visit.

How do I purchase travel insurance for Ireland?

Begin by using the HelloSafe travel insurance comparison tool to review different options. Check each policy for features relevant to Ireland, focusing on coverage for theft, medical care, and exclusions that may apply. Proceed to buy your chosen plan online, and you will receive your insurance certificate directly by email.

Does travel insurance for Ireland cover theft or loss of belongings?

Most travel insurance policies include coverage for theft, which is important given higher rates of petty crime in cities like Dublin. Be sure to review the policy’s limits and any requirements for documentation if you need to make a claim. Theft from vehicles and accommodations is often included under baggage or personal effects.

What should I do if I need medical care while in Ireland?

Medical facilities in Ireland are modern and widely available. As a visitor, you may be charged for treatment at both public and private clinics. Travel insurance typically reimburses covered medical expenses, so keep all receipts and documentation to facilitate the claims process with your insurer.

Can I get travel insurance for rental cars in Ireland?

Many travel insurers offer optional rental car coverage, which can be especially valuable in Ireland where rental vehicles are frequently targeted by thieves. This coverage usually includes vehicle theft and damage but may exclude certain types of vehicles or drivers. Review your policy documents to understand conditions and coverage limits.

Do I need to show proof of travel insurance to enter Ireland?

While you are not required to present travel insurance at the border, Irish immigration officials may ask for evidence of sufficient funds and travel plans. Carry your insurance certificate and other documents, such as proof of accommodation and return ticket, to help demonstrate your preparedness if requested.

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16 July 2025
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16 July 2025
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What are the Best Travel Insurance options for Mozambique in 2025?
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16 July 2025
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The Best Travel Insurance Plans for Chile in 2025
15 July 2025
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What are the best travel insurances for Luxembourg in 2025?
16 July 2025
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The Best Travel Insurance Plans for Bulgaria in 2025
15 July 2025
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What Are the Best Travel Insurance Options for Nicaragua in 2025?
16 July 2025
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16 July 2025
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What are the best Travel Insurances for Ethiopia in 2025?
16 July 2025
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16 July 2025
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15 July 2025
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16 July 2025
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What are the Best Travel Insurance Plans for Georgia in 2025?
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What are the best travel insurances for Kenya in 2025?
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16 July 2025
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16 July 2025
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15 July 2025
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16 July 2025
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15 July 2025
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15 July 2025
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16 July 2025
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15 July 2025
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Best Travel Insurance for Germany in 2025
15 July 2025
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What are the best travel insurances for Liechtenstein in 2025?
16 July 2025
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16 July 2025
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The Best Travel Insurances for Argentina in 2025?
15 July 2025
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16 July 2025
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4 July 2025
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16 July 2025
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15 July 2025
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15 July 2025
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16 July 2025
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16 July 2025
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15 July 2025
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16 July 2025
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The Best Travel Insurances for Belize in 2025
15 July 2025
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4 July 2025
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15 July 2025
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15 July 2025
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4 July 2025
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15 July 2025
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The Best Travel Insurance Plans for Lesotho in 2025
16 July 2025
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15 July 2025
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15 July 2025
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16 July 2025
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15 July 2025
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15 July 2025
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16 July 2025
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15 July 2025
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16 July 2025
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15 July 2025
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15 July 2025
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16 July 2025
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15 July 2025
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16 July 2025
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15 July 2025
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16 July 2025
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15 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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15 July 2025
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15 July 2025
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16 July 2025
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15 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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15 July 2025
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15 July 2025
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16 July 2025
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16 July 2025
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15 July 2025
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15 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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9 July 2025
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16 July 2025
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15 July 2025
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15 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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15 July 2025
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16 July 2025
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15 July 2025
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15 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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What are the best travel insurances for Greenland in 2025?
16 July 2025
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What are the best travel insurances for Austria in 2025?
15 July 2025
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What are the best travel insurances for Guadeloupe in 2025?
16 July 2025
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16 July 2025
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What are the best travel insurances for Oman in 2025?
15 July 2025
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15 July 2025
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15 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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15 July 2025
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What are the best travel insurances for Luxembourg in 2025?
16 July 2025
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The Best Travel Insurance Plans for Bulgaria in 2025
15 July 2025
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What Are the Best Travel Insurance Options for Nicaragua in 2025?
16 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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15 July 2025
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15 July 2025
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16 July 2025
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What are the Best Travel Insurance Plans for Georgia in 2025?
15 July 2025
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What are the best travel insurances for Kenya in 2025?
15 July 2025
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16 July 2025
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16 July 2025
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What are the Best Travel Insurance Plans for Costa Rica in 2025?
15 July 2025
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The Best Travel Insurance Plans for Czechia in 2025
15 July 2025
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What are the best travel insurances for Turkey in 2025?
15 July 2025
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The Best Travel Insurance Plans for Afghanistan in 2025
16 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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15 July 2025
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15 July 2025
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16 July 2025
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15 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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15 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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15 July 2025
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15 July 2025
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16 July 2025
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4 July 2025
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15 July 2025
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15 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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1 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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16 July 2025
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15 July 2025
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16 July 2025
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A. Fruchard
A. Fruchard
Insurance expert
HelloSafe
Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.

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