Terms & Conditions

Terms & Conditions

When buying travel insurance through Click & Insure you will not receive advice or a recommendation from us for travel insurance.
We may ask some questions to narrow down the selection of products that we will provide details on, but you will need to make your own choice as to whether to proceed and purchase the product.
We can provide an insurance quotation/policy based on the following terms and conditions:


Any person who is travelling with a pre-existing medical condition or has taken prescribed medication within the last 2 years must contact the Medical Screening number listed in the policy wording, prior to departure, to declare their condition otherwise there is no cover for that pre-existing medical condition.

  • There is no cover available for persons travelling or a third party relative with a terminal prognosis or those awaiting results of tests or medical investigations.
  • Pregnancy or child birth is not covered where the insured is expected to give birth within 8 weeks of the start date of their trip.
  • There is no cover for medical expenses if the insured is travelling with the intention of obtaining medical treatment abroad, if the insured has been advised not to travel and if the insured is not taking recommended treatment or prescribed medication, as directed my a medical practitioner.

That all insured persons have been resident in Ireland/UK for the past six months before you enter into a policy with us, you have a duty to disclose to us every material fact that you know, or a reasonable person in the circumstances could be expected to know, which is relevant to our decision whether to accept the risk of insurance and if so, on what terms. A material fact is any fact, medical or otherwise, which poses an increase in risk to us and likely to influence us in the assessment, acceptance or continuance of your insurance.

Please note if you fail to disclose any material facts to us, this could invalidate your insurance cover.

If the insured has a medical claim abroad or needs to curtail their trip then they must always contact the Emergency Assistance Company stated in the policy document otherwise their claim will not be covered.

There is no cover for any insured person who has already departed or any person who is aware of a claim at the time of booking.

The declared duration of insurance must match the duration of the trip, we cannot incept cover once your trip has already started and only in exceptional circumstances can we extend your policy, providing that no claim has been made or is pending, and that you call us to extend your policy prior to your current cover expiring.

We offer a Premium Refund Guarantee on all our policies cancelled within the 14 Day cooling off period, whereby you may return the documentation to us and upon receipt of the policy, provided the insured has not travelled or is making a claim, we will refund you your Insurance Premium. Please note that the Premium Refund Guarantee does not extend to administration or postage fees where applicable, incurred in the supply your original policy.