You can now claim online with these easy steps. Our online claims portal is open 24/7, with an immediate decision available for certain claims.


Over the phone: if you prefer to speak to an adviser, you can register your claim by calling us on 046 907 7358 and one of our claims advisors will help with any questions, and send you a claims form.

Yes. You need to have a private health insurance plan that includes at least €65,000 cover for overseas medical emergencies. Your MultiTrip policy works alongside this cover. Make sure your health insurance is active when any incident happens.

Yes, unlike most other travel insurance plans on the market, MultiTrip from Vhi Healthcare includes cover for pre-existing conditions up to the full limit of your medical cover. However, your health insurance plan must have overseas cover, and your pre-existing medical condition covered under the terms and conditions of that domestic private medical insurance plan. Please see our eligibility section for circumstances not covered. 

Eligibility

We cannot offer cover under the following circumstances, even if you suffer an illness, injury or a new or change to a medical condition that is unrelated:

• If you have been diagnosed with a terminal illness.

• If you are not fit to travel or fit to undertake your trip.

• If you are travelling intending to receive medical treatment.

• If you are travelling against the advice of a medical practitioner.

Please note: if you are 80 years or over, cover is limited only to the overseas cover limits on your domestic private medical insurance plan. Pre-existing conditions will not be covered.

You have no cover on your MultiTrip policy until the start date of the policy. Your cover, including cancellation cover will only begin from the start date you choose.

The ideal time to purchase your policy is prior to booking your trip. This will ensure that cancellation cover will be available to you, should something happen to prevent you from travelling. Please refer to the terms and conditions for MultiTrip.

Yes. We have a winter sports add-on that can be included on your policy. If you are purchasing a MultiTrip policy as a new customer, you will be given the option to add this to your policy when purchasing. Once you have purchased and you are an existing MultiTrip customer you can add this add-on at any time prior to travelling in MyVhi.

Please ensure you familiarise yourself with the trip duration limits on this policy. If a lower limit applies on your domestic private medical insurance plan, claims under 'Medical Expenses' (Hospital Treatment) will only be paid if you have a valid claim under your domestic private medical insurance plan.

You are covered for as many trip(s) you take to a maximum of 180 days in the year. Each trip you take cannot exceed:

• 60 days if you are aged up to and including 64 years.
• 30 days if you are aged between 65 and 79 years.
• 30 days if you are aged 80 years or over and travelling in Zone 1 (Europe only).
• 21 days if you are aged 80 years or over and travelling in Zone 2 (Worldwide excluding the USA, Canada and the Caribbean).
• 5 days if you are aged 80 years or over and travelling in Zone 3 (Worldwide). This applies to policies that were renewed or purchased before the 1st of February 2024.

The maximum trip duration we can offer on a MultiTrip policy depends on your age. However, we offer a range of trip duration add-ons, see below. If you are purchasing a MultiTrip policy as a new customer you will be given the option to add this to your policy when purchasing. If you are an existing MultiTrip customer you can purchase this add-on in MyVhi.

• Up to 64 years – 90 days in Zone 3
• Up to 64 years – 180 days in Zone 3
• Between 65 and 79 years – 60 days in Zone 1 or 3
• Between 65 and 79 years – 90 days in Zone 1 or 3
• Between 65 and 79 years – 120 days in Zone 1 or 3
• Between 65 and 79 years – 180 days in Zone 1 or 3

Enjoy complimentary access to a LoungeKey™ airport lounge courtesy of Vhi MultiTrip travel insurance. This is a free and exclusive service available to you once your flight is delayed for more than one hour.

You will need to register your flight(s) online on vhi.loungeaccess.ie at least 2 hours before your scheduled departure time. Once you have registered, you will be contacted with details on how to access the lounge if your flight’s delayed by one or more hours.

Full terms and conditions, FAQs and details on how to register your flight, can be found on www.vhi.loungeaccess.ie

Yes, there is an excess of €95 on your MultiTrip policy, which you will pay per person, per claim. You can waive that excess for a very small cost by purchasing the excess waiver.

If you are purchasing a MultiTrip policy as a new customer, you will be given the option to add the excess waiver to your policy when purchasing. If you are an existing customer you can purchase this at your renewal.

If you are unable to return home as planned, your Vhi MultiTrip policy will automatically extend at no extra cost until you can return home at the earliest opportunity. Claims unrelated to the hostilities would only be accepted under the “Medical Cover” section. Your trip limits and/or trip extension will be considered accordingly.

Contact your airline or travel provider to understand what alternative arrangements they are making and whether your flight will be rerouted, delayed or cancelled. If your flight is cancelled your airline will refund the costs of your flight or offer an alternative flight.  

You can change your trip destination providing that your trip remains within the policy region and trip limits you agreed at purchase (you will find this information within your policy certificate). We recommend confirming a new destination in line with DFA guidance. 

Within 14 days of receiving your policy documentation, if you no longer feel the policy is suitable and you wish to cancel, we can cancel the policy and provide a full refund. After 14 days you may still cancel your policy, but your refund will be calculated as per your policy Terms and Conditions.  

If your booking was part of a package holiday, you will need to contact the provider to see if you are entitled to a refund. If you booked elements of your trip separately and haven’t already had contact with the provider, you should contact them.  

You must be travelling or moving abroad for a period of 6 months or more to be eligible for Vhi International. We recommend you purchase this policy prior to travelling or moving abroad.

Yes. Vhi International is split into three different geographical areas. They are:

• Europe
• Worldwide, excluding USA and Caribbean
• Worldwide 

Yes. The waiting periods on an International policy are:

• 4 months for any known or planned in-patient treatment.
• 5 years for any pre-existing conditions.
• 10 months for maternity benefits (if applicable).

Please note: if you have already served the pre-existing conditions and maternity waiting period on your private health insurance plan, you will not have to serve that period again. If you have only partially satisfied the waiting periods, we will recognise the time served on your private health insurance plan. If you have not held private health insurance at all, or had a break in cover the full waiting periods listed will apply.

Simply contact us on +35356 444 4444 when you return and we will arrange to transfer you from Vhi International to one of our Vhi Healthcare plans in Ireland, providing you with continuity of cover. 

Vhi International is risk rated, meaning the cost varies with age; it also depends on the geographical area you select. 

The following age limits apply:

• For current private medical insurance customers moving to Vhi International, the limit is 74 years of age.
• For new customers joining Vhi International, the limit is 64 years of age.

Here is a list of countries we do not provide cover for with a start date on or over 1st January 2025: 

Afghanistan, Belarus, Burkina Faso, Cameroon, Central African Republic, Democratic Republic of the Congo, Eritrea, Ethiopia, Guinea, Guinea-Bussau, Iran, Iraq, Israel, Lebanon, Liberia, Libya, Mali, Mozambique, Myanmar, Niger, Nigeria, North Korea, Occupied Palestinian Territories, Russia, Sierra Leone, Somalia, Sudan, Sudan South, Syria, Ukraine, Yemen.