Medical Emergency Expenses

JustCover.ie - The Specialist Travel Insurance Company

Phone: 01 4404367 Email: info@justcover.ie

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This section does not apply to trips within the Republic of Ireland or the United Kingdom (except for trips within the Channel Islands, where NHS treatment is not available).

Before a claim for emergency expenses can vew submitted under this section, you must contact the FirstAssist Emergency Service.

If during your trip you become ill or are injured

ON YOUR HOLIDAY TRAVEL INSURANCE YOU ARE COVERED

Up to €7,500,000 for costs incurred outside the Republic of Ireland:

1) for emergency medical and surgical treatment. Claims for emergency dental treatment (for the relief of pain only) shall be limited to €500:

2) for reasonable and necessary additional accommodation (room only) and travelling expenses (economy class), including those of one relative or friend if you have to be accompanied home on medical advice or if you are a child and require an escort home;

3) in the eveny of death:

a) for conveyance of the body or ashes to the Rebublic of Ireland ( the cost of burial or cremation is not included) or;

b) local funeral expenses abroad limited to €2,175;

NOTE - All receipts must be treatained and produced in the event of a claim.
Your claim may be rejected if receeipts are not produced.

If you become ill or injured we have the right to bring you back home, if the treating doctor and the FirstAssist Emergency Service doctor agree that you can safely travel home. If you refuse to return home, we have the right to stop cover.

YOU ARE NOT COVERED

1) for the first

a) €65,000 if you have a VHI policy and have obtained a premium discount, of any costs incurred as a result of in-patient treatment in relation to the same illness or injury, or

b) €55,000, if you have a QUINN health policy and have obtained a premium discount, of any costs incurred as a result of in-patient treatment in relation to the same illness or injury, or

c) €100 for out-patient treatment or if you do not have a VHI or QUINN Health or AVIVA Health policy and have not obtained a premium discount of each and every incident per each insured person involved in the incident;

2) for any sums which can be recovered by you and which are covered under and National Insurance Scheme or Reciprocal Health Arrangement;

3) for any expenses incurred for illness, injury or treatment required in consequence of:

a) surgery or medical treatment which in the opinion of the attending doctor and the FirstAssist Emergency Service doctor can bew reasonably delayed until you return to the Republic of Ireland;

b) medication and/or treatment which at the time of departure is known to be required or to be continued outside the Republic of Ireland;

4) for preventative treatment which can be delayed until your return to the Republic of Ireland;

5) If you have not obtained a written certificate of fitness and ability to travel and endure the trip where you are undergoing medical treatment as a hospital out-patient at the time of paying the final balance of your trip;

6) for claims that are not confirmed as medically necessary by the attending doctor or FirstAssist Emergency Services;

7) for the cost of any elective (non-emergency) treatment or surgery, including exploratory tests, which are not directly related to the illness of injury which necessitated your admittance into hospital;

8) for any additional hospital costs arising from single or private room accommodation unless medically necessary;

9) for treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre;
10) for anything mentioned in the General Exclusions.