Vhi MultiTrip annual travel insurance

Add an excess waiver to your policy,

An excess is the agreed amount or portion that you pay per person, per claim.

With gadget cover, you'll enjoy up to €1,000 protection abroad against theft, damage or loss on a wide range of gadgets including smartphones, tablets, laptops, GPS and games consoles.

Planning a winter sports holiday? Now you can get cover for equipment, cancellation, piste closure and much more.

The golf add-on, gives you cover for your golf trip expenses like golf course closures and loss of equipment.

Motor add-on, gives you cover for emergency costs (for one car), including roadside assistance, replacement parts and break-in emergency repairs. (Applicable to Europe only).

You can normally take only 60 days holiday at a time. With this add on, you can extend your stay.

If your airline has cancelled your flights, you will need to contact them directly (or your tour operator if you booked a package holiday). They will advise you on what options they are offering, such as rebooking or a possible refund. As this is managed entirely by the airline or tour operator, Vhi are unable to confirm what specific options will be provided.

Vhi MultiTrip will provide cover for medical emergencies only. This includes medical treatment if you are injured as a result of the hostilities, provided you are not taking part in those hostilities. 

Vhi MultiTrip excludes cover for claims arising due to war or warlike activities. This includes cancellation, curtailment/cutting short of your trip, travel delay or missed departure sections.

Any claim made under the “Medical Cover” section will still be subject to all terms, conditions and exclusions within that section, as well as the general exclusions. 

You should continue to follow the official travel advice for the country you are in (https://www.ireland.ie/en/dfa/overseas-travel/advice) and comply with any instructions from local authorities. Please contact your tour operator or airline directly for information on flight changes, rerouting, or refunds. 

Cover remains in place for Emergency medical claims, providing any injury or illnesses are not associated or linked to your participation in hostilities, and you have not travelled against the DFA advice. Any claim made under the “Medical Cover” section will be subject to the terms, conditions and exclusions listed within the section and the general exclusions. 

If you purchased your Vhi MultiTrip policy on or after Saturday 28^th February 2026 with the intention of travelling to a destination that is deemed “avoid non-essential travel” or “do not travel” by the DFA, no cover would apply under any section of the policy.

Email: vhiassist@eurocross.nl or call:

USA&Canada: 1800 364 9022/+35314482444