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Travel insurance for Ireland

Ireland is a land of lush green hills, lively 'craic' and cosy pubs. So, it's no wonder that 6.3 million tourists paid a visit there last year, according to the Central Statistics Office!

Most travellers hoping to find a four-leafed clover or sip some authentic Guinness enjoy their trip without a hitch. Still, it's a smart idea to look into travel insurance.

By getting a policy, you'll be covered if something goes wrong. With the right coverage, you can protect your belongings, guard against travel disruptions, and even cover accommodation cancellations.

If you're ready to start comparing policies, click 'Get a quote'. But, if you want to know more about what travel insurance you'll need for your Irish adventure, keep reading - we've got you covered!

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Do you need travel insurance for Ireland?

Legally, no. But, that doesn't mean you shouldn't consider it.

Travel insurance can save the day if you hit a snag while abroad. Let's take a look at some key benefits of having a policy:

Northern Ireland

Heading over to Northern Ireland (NI)? It's part of the UK. So, you won't need to worry about any emergency healthcare you might need. You'll be covered by the NHS for that. Phew!

Still, travel insurance could come in handy if you run into other issues, like losing your luggage, or finding out your hotel stay has been cancelled.

Republic of Ireland

The Republic of Ireland (ROI) isn't a part of the UK. But, here's the good news: you'll still get free emergency care if you need it. Hooray!

Even though medical care won't cost you, insurance can help if:

Healthcare for UK citizens in Ireland

Like we mentioned, NI is a part of the UK. So, you'll still get the same healthcare there as you would back home. Easy!

Now, when it comes to the ROI, you're still in good hands. Even though you'll get free emergency healthcare, you might need to pay for other healthcare-related costs:

Medical care

In the ROI, you'll have access to Irish state healthcare for necessary medical treatment. So, if something unexpected happens, you won't be left with a hefty bill to pay. To access care, you'll just need to make sure you have proof of your British citizenship with you. For example, your passport or Global Health Insurance Card (GHIC).

In an emergency, dial 999 or 112 and help will be on its way - just like in the UK.

Prescriptions

Good news! You can use your UK prescription in Ireland, so getting your meds should be no problem. Just be aware that you'll need to pay the full cost upfront. If you've got travel insurance, you might be able to claim that cost back when you get home. If you want to avoid the hassle, bringing extra meds is a good backup plan.

GPs

Need to see a GP? No problem! You can visit a clinic in the ROI. But, unlike the UK, you'll need to pay for the appointment. Most clinics charge between 35-40 euros - it can vary from clinic to clinic. Again, check with your travel insurance as you might be able to claim this expense back.

Pre-existing conditions

If you have a pre-existing condition and need treatment for it while in Ireland, you'll be covered. If you need any pre-planned care while away, like dialysis, you might need to arrange it before your trip. Speak with your GP for further advice.

Helpful hint: You can learn more about Irish healthcare on GOV.UK.

What our travel insurance expert says

"While only a stone's throw away for some, parts of Ireland can have different rules to the UK. And while healthcare may not set British tourists back as much as in some other European countries, you could still find yourself paying more than you're used to if you need a trip to the GP. Getting the right cover in place can take some of the sting out of falling sick on your travels. So, you can focus on getting better without worrying about how much it might cost you."
Alvaro Iturmendi - Confused.com travel insurance expert
Travel insurance expert Confused.com logo

What type of travel insurance do I need?

The type of travel insurance you go for depends on your needs. Let's take a closer look at the type of travel insurance types available to see which might be the best-suited to you:

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Single-trip travel insurance

Single-trip travel insurance can cover an individual trip, from the moment you buy the policy until you return home. Usually, up to 31 days.

Good for: If you're travelling to Ireland for a short stay.

Multi-travel icon

Annual travel insurance

Otherwise known as multi-trip, annual insurance can cover multiple individual trips over 12 months. Usually, they can be up to 31 days each.

Good for: If you're making multiple trips over the course of a year.

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Long-stay travel insurance

Long-stay travel insurance is designed for extended stays lasting anywhere from 3 to 18 months. Usually, in a single destination.

Good for: If you're staying in Ireland for a long period.

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Backpacker travel insurance

Backpacker travel insurance can cover trips to multiple destinations for up to 18 months.

Good for: If you're stopping off in Ireland as part of a multi-destination trip.

Travelling to Ireland

Here's some things to consider to make your travel day stress-free:

Do I need a passport to travel to Ireland?

If you're travelling from the UK to Ireland, you don't technically need a passport. Thanks to the Common Travel Area (CTA) agreement, you're free to move between the 2 countries without showing an identification. That said, you'll likely still be asked to show your passport at the airport or ferry port for security reasons. So, while it's not strictly necessary, bringing your passport is a smart move to avoid any issues.

Do I need a visa to travel to Ireland?

Good news - no, you don't need a visa! Under CTA rules, British citizens can travel freely to Ireland. So, you can enter, live, work or study there for as long as you like without needing any additional paperwork. It's as simple as hopping across the border!

Do I need travel insurance to get into Ireland?

As mentioned, you don't legally need travel insurance to enter Ireland. But, getting covered can give you peace of mind should something unexpected happen. It's the smart choice for a stress-free trip!

Can I bring medicines with me?

Yes, you can bring your medication when travelling to Ireland. But, if your medicine contains a controlled drug, there's a few things to consider. You'll need a letter from your doctor to prove it's been prescribed to you. This is because border control might ask for it when entering or leaving the UK.

Also, if you're carrying more than a 3-month supply or staying longer than 3 months, you might need a licence for the controlled drugs. Be sure to check this before you travel so everything's in order!

Driving in Ireland

Can I drive in Ireland on a UK licence?

Yes! Your UK driving licence is valid in both NI and the ROI. So, you're good to go.

Will my UK car insurance cover me for driving in Ireland?

Yes, but there's some differences to keep in mind. In NI, your UK car insurance will fully cover you, just like at home. But, when driving in the ROI, you'll normally only have third-party cover as it's part of the European Union (EU). This means that you'll only be covered if you injure someone else or damage their property while driving. Make sure to check  your policy documents to see exactly what you're covered for though.

Top tip: Want extra protection? Contact your insurer to see if you can get more comprehensive cover for your trip.

Will my breakdown cover work in Ireland?

It might, but not in the same way as in the UK. For example, most breakdown cover won't bring you and your car home if a ferry is involved. To stay fully protected, consider getting European breakdown cover, which is designed for these situations.

What are the drink-drive laws in Ireland?

Ireland's drink-driving limits are stricter than those in England. The limit for fully-qualified drivers is 50mg of alcohol per 100ml of blood. If you're caught over the limit, you could face penalties on your licence. For more information, visit Ireland's Drinkaware website.

Travel insurance for activities in Ireland

Certain activities might not be covered by standard travel insurance. But, you have the option to enhance your coverage with policy add-ons. Just keep in mind, you'll need to pay extra for any add-ons you need.

Here's some that you might like to consider for your Irish adventure:

  • Adventure travel insurance. If you're planning to take part in riskier activities like hiking, mountain biking or kayaking, this add-on is worth considering. It typically covers emergency medical treatment related to activities and sports not usually covered by a standard policy.
  • Golf travel insurance. Ireland is home to some top-of-the-range golf courses! If you're planning to play, this add-on can offer extra protection for things specific to golf. For example, reimbursing green fees if you can't play because of illness or poor playing conditions.
  • Scuba diving travel insurance. With over 3000 km of coastline, Ireland is a popular place to go scuba diving. If you plan to dive past a certain depth or on your own, you might need this add-on. It can cover diving-related accidents, medical emergencies, or the cost of recovering lost or damaged gear.

What if I need help when I'm in Ireland?

Your travel insurance is there to help with claims for things like lost belongings, cancellations or disruptions. But, the Irish Tourist Assistance Service (ITAS) is great to turn to for immediate advice or help while in Ireland.

ITAS can help with things like:

  • Missing passports or identity cards
  • Crime
  • Lost cash or bank cards

You can find contact information on their website. Just remember - while travel insurance covers financial claims, ITAS can offer on-the-spot support for urgent situations during your trip.

How much is travel insurance for Ireland?

Ireland travel insurance could cost you as little as £2.05.

Exactly what you'll pay depends on a range of factors though - from your age, to your health status and the length of your trip.

But to give you an idea of what you might pay, let's take a look at some example policy prices:

Policy type Cost
Solo traveller
£2.051
£4.002
£3.503

1Cheapest price for a single-trip travel insurance policy. Based on 1 adult aged 30 with no pre-existing medical conditions, travelling in Ireland for 2 nights. Confused.com data, October 2024.
2Cheapest price for a single-trip travel insurance policy. Based on 2 adults aged 30 with no pre-existing medical conditions, travelling in Ireland for 2 nights. Confused.com data, October 2024.
3Cheapest price for a single-trip travel insurance policy. Based on 2 adults aged 30 and 2 children aged 5 with no pre-existing medical conditions, travelling in Ireland for 2 nights. Confused.com data, October 2024.

Expert tips and guides for your trip to Ireland

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