Supporting you during COVID-19 (Coronavirus)

Provided you are not travelling against Government advice, you will be covered for COVID-19 benefits on your MultiTrip policy. The benefits included are under the sections:

·         Cancelling your trip

·         Cutting your trip short due to COVID-19

·         Cover for medical emergencies and outpatient expenses due to COVID-19

All of these benefits are subject to your policy terms and conditions. If you need to make a claim due to COVID-19, please contact our MultiTrip claims department on 046 9077358.

For a summary of your benefits, including COVID-19 related cover, please log into MyVhi for your terms and conditions.

Yes. Cancellation cover is in place if, within 14 days of the start of your trip, you or any named person on your policy test positive for COVID-19 and self-isolation is required by a medical practitioner or the HSE. This cover provided only applies if you have written confirmation of a positive test for COVID-19 administered/witnessed by an independent authority, including the date of the result. Photographic evidence of a test kit is not acceptable. We will not accept any other test in validation of a cancellation claim.

Cancellation cover is in place if you, a travelling companion, or someone you are planning to stay with you has been hospitalised/dies because of COVID-19.

Cancellation cover is in place if you are certified as too ill to travel due to COVID-19 by a medical practitioner.

Provided you have written confirmation of a positive test result, and a medical practitioner has advised that you must self-isolate, you can claim the pre-paid activities, if the excursion is the reason for going on the trip e.g. Euro Disney, Safari. This needs to be paid for and booked in advance of travelling. Concert and premier league football match tickets could be claimed under this section provided they were pre-paid or contracted to pay before the trip started and were the sole purpose of the trip.

Note: ski packs and green fees (golf) are only covered if you have purchased the optional add-on.

• There is cover for cutting your trip short, if you contract COVID-19, and have to self-isolate.
  
• There is cover for the unused accommodation up until your original return date.
• There is cover for the original cancelled flight.
• There is no cover for expenses incurred after the original return date has passed.

For all policies, cover will only apply if you are hospitalised because of COVID-19 and need to stay longer than the scheduled return date. If you test positive for COVID-19, meaning that you cannot return on your original return date, but do not require any medical treatment, there is no cover for your extended stay costs.

Your MultiTrip cover is specially designed to complement the overseas cover provided by your domestic private medical insurance plans, which must have a minimum of €65,000 for overseas medical emergencies. Once your medical cover on your health insurance has been exhausted, all of our travel policies include medical cover; the benefit, if hospitalised due to COVID-19 is up to €10 million.

For all policies, if an insured member is hospitalised due to COVID-19, the cover for extended accommodation and flights is limited to €3,000 per policy (not per person).