top of page

What insurance is the best for summer holidays

Updated: 5 days ago


Insurance coverage is a contract where a person pays a company the sum of consideration to protect their financial interest from a specifically identified risk. Afterward, when there is an insured event, the company will assist in part of the reimbursement and save you from most of the financial burden.

Don't let misadventures ruin your summer getaway! Learn how travel insurance turns potential travel nightmares into smooth, stress-free adventures.

This is the essence of summertime: relaxation and adventure. Sometimes though disaster strikes out of the blue and ruins your plans.


That peace of mind you want on holiday comes with travel insurance that covers cancellation of trips, emergency medical, and lost luggage. Avoid a stressful holiday by booking the right insurance.

This summer holiday, choosing the right travel insurance will be a must. For example, you can search for coverage under which your destination and activities are included. 

This way, you'll be saved against any unforeseen issues during travel so that you smoothly enjoy your holidays.

Happy couple at the beach  - AOR Insurances


This summer travel insurance guide points out your options as a traveler. Everything is here trip was canceled due to medical emergencies. You can choose the best insurance for you thanks to this guide.

The guide also shows how to compare the different policies, "highlighting what to look for in the coverage and, just as importantly, any exclusions." So, with this information, you can have a carefree summer vacation.


Essential insurance tips for a stress-free Summer Holidays includes following points 

1: Choose the Right Coverage: 

Get ready for summer holidays. Ensure that your travel insurance covers cancellations of trips, medical emergencies and lost luggage.

2: Read the Fine Print: 

You'll know what's covered and what isn't under your policy.

3: Compare Policies: 

Try to responsibly bargain with them, search for varied policies, and compare them to find the best deal and coverage for yourself.

4: Check Activity Coverage: 

Make sure you are insured for all the activities that you are going to undertake, be it hiking, water sports, etcetera, or adventure trips.

5: Declare Pre-existing Conditions: Inform your insurer about any pre-existing medical conditions; otherwise, don't be surprised if claims are denied.

6: Understand Claim Procedures: The process for making a claim is online based; make yourself familiar with the process and have all documents ready.

7: Emergency Contact Numbers: Always carry copies of your insurance policy and emergency contact numbers. 

8: Review Cancellation Policies: 

Also, look for trip cancellations or interruptions within the policy terms so that you will be safeguarded against unforeseen events.


Following steps are mentioned to help you understand the right travel insurance for summer vacations

1: Research and Compare Policies

  • This means one ought to first research various travel insurance providers and their policies.

  • Also, look for extensive cover that will cover, amongst other things, medical emergencies, trip cancellations and lost luggage.

  • This will enable you to realize the value for money through proper cost-benefit analysis of numerous policies.

  • Look out for customer reviews and ratings that indicate how reliable and quality each insurer may be.

2: Understand Coverage Details

  • Pay close attention to what each policy covers and any exclusions or limitations.

  • Also, make sure the policy covers all of the planned activities such as water sports or hiking, etc.

  • Further, it is important to verify whether the c insurance adequately caters to medical contingencies, especially where one would be traveling abroad.

  • Understand the claim-filing process and the requirements to avoid surprises later.

3: Consider Your Specific Needs

  • Evaluate your travel itinerary and your personal health needs.

  • If you have pre-existing medical conditions, then choose a a policy that covers it.

  • Also, look for some additional features that include the trip interruption, emergency evacuation, and rental car coverage. This will ensure your policy provides 24/7 emergency assistance and support so you remain safe throughout and enjoy your trip fully. We have been serving the insurance needs of individuals and families in Ireland for over 50 years. Click here to read our Facebook post and get your FREE guide now. Our commitment to excellence and customer satisfaction sets us apart as a trusted provider of income protection covers.

Life Insurance Comprehensive Guide= Free Download


It very important to guard against sudden disruptions and may entail trip cancellations, medical emergencies, lost luggage, and travel delays.

Knowing what your policy includes will mean that you would ensure it adequately covers you. Always read the fine print so you know any exclusions or limitations.

The selection of the ideal summer holiday insurance is by comparing about different policies. You can consider things such as coverage of activities you intend to undertake and also pre-existing medical conditions.

Then choose the one which has 24/7 emergency assistance so that you have peace of mind. 

In that way, you can enjoy your summer vacation without any stress by making this selection carefully.

If you need more information on how to pick the right cover for you and your family, give us a call to 049 4331232 or 049 4331424.

Happy family at the beach  - AOR Insurances


Plan Ahead

Book your flights, accommodations, and activities early. Planning also tends to crowd better deals and more availability. This will also give you ample time to research and prepare any travel requirements or restrictions.

Get Comprehensive Insurance

Buy insurance that may cover many different types of unforeseen events, including a medical emergency, natural disasters, trip cancellations, etc.

Of course, that also depends on your personal circumstances and your travel plans. Will you be doing 'risky' adventure activities on your trip?

Do you have any pre-existing health issues that may or may not be covered by insurance? Study the fine print to realize what is included and excluded.

If you need more information on how to pick the right cover for you and your family, give us a call to 049 4331232 or 049 4331424.


  • Adequate Medical Coverage: Also, ensure that your insurance coverage includes comprehensive medical coverage, particularly for emergencies abroad.

  • Trip Cancellation Protection: Protect Yourself Against Cancellations Due to Sickness, Natural Disasters, or any Other Unexpected Event.

  • Lost or Delayed Baggage Coverage: But then there's a security aspect involved, and that is what usually helps the vehicle shipping service company to decide.

  • Emergency Evacuation Assistance: Have in place a plan towards emergency evacuation in case of a medical emergency or natural disaster.

  • Adventure Activities Coverage: Also, if you are into any kind of adventure sports-such as, scuba diving or hiking- ensure that these are covered in case of an unfortunate event in your insurance.

  • 24/7 Assistance Hotline: Of course, this is a welcome resource in times of emergency or unexpected situations.

  • Rental Car Insurance: If you should rent a car, ensure that your insurance policy covers rental cars lest you incur extra expenses.

  • Travel Document Protection: Insure vital travel documents, like visas and passports, against loss or theft.

  • Personal Liability Coverage: Protect yourself against possible claims of liability while travelling, such as damaging someone's property or causing them injury.

  • COVID-19 Coverage: The need for COVID-19-specific insurance in today's climate is really important; such a policy will cover the costs of your medical treatment, as well as disruption or changes to your trip, for example.


There is, however, one thing that one needs to look out for when navigating the options: the fine print. Most people tend to assume that they are covered whatever the circumstances when traveling on summer holidays, only to find that they are not adequately covered by their insurance when things go south.

The thing is, to avoid such a trap, read through your policy with all diligence before traveling. Some common pitfalls to watch for include inadequate medical insurance, inadequate adventure activity insurance, or pre-existing condition exclusions.

Also, remember to disclose all of your planned activities, as well as pre-existing medical conditions. Your insurer may also reject your claim or invalidate the policy if you fail to disclose such facts. 

After all, you would not want to be caught out with no insurance cover to cater to perceived financial holiday risks.

Only when you have been open with the insurance provider and matched the policy to your needs and circumstances, will you have a diminished chance of falling prey to some common insurance pitfalls so that you can have a stress-free summer holiday.


1: Review and Compare Policies: Also, before summer vacation review and compare insurance policies to ensure you're getting the best coverages for your needs at a competitive price.

2:Tailor Coverage to Activities: Consider what you are going to do on your trip and choose adequate insurance coverage for that. For example, water sports or hiking may mean risky activities which should be covered in such type of insurance.

3: Check for Travel Alerts: Educate yourself on any travel advisories and potential risks when you reach your destination. Some insurance policies may offer coverage extensions or refunds in the event of unforeseen circumstances, such as natural disasters or political unrest.

4: Understand Policy Exclusions: Be aware of exclusions and limitations of your insurance policy so a surprise does not pop when making a claim. Note pre-existing conditions, high-risk activities, and valuables covered.

5: Keep Emergency Contacts Handy: Make sure that you are carrying your insurance policy documents and also have your emergency contact information at your fingertips before leaving.

Save the digital copies on the phone and also have a printed version of the same in the travel documents, so that you are able to produce them quickly in times of an emergency.

Mobile phone  - keep your emergency contact information handy


In fact, looking for summer travel insurance starts early through research and comparison in terms of various available options balanced with competitive quotes of different providers.

Check for special deals or offers provided by their insurance companies, especially for early booking or combination purchases with other travel services.

There is always the option to get an all-inclusive type of plan which can give the needed coverage for one's travel without certain add-ons that do not apply."

Also, don't forget to check if you are eligible for any discounts of their membership or loyalty programs through your bank, employer, or travel association.

We have another blog on how to compare insurance companies in Ireland, read more about it in this article.


Medical coverage in travel insurance is crucial as it provides financial protection against unexpected medical emergencies while abroad. Without adequate coverage, travelers could face exorbitant medical bills, especially in countries with high healthcare costs.

Additionally, medical coverage often includes benefits such as emergency evacuation, repatriation of remains, and coverage for pre-existing conditions, offering peace of mind and ensuring travelers receive necessary care without worrying about expenses.

Ultimately, investing in robust medical coverage ensures that travelers can focus on enjoying their trip without the stress of potential medical expenses looming over them.


1: Document Everything: A well-documented incident will fast-track the compensation claim. Additionally, proper and extensive documentation of an incident boosts the chances of a successful claim. Keep receipts, medical reports, photos, and other relevant documentation.

2: Contact Your Insurer Promptly: Always inform your insurer as quickly as possible in the event of an incident to initiate a claim. For most insurers set time limits for making a claim, and that is the reason it is always best to be proactive in this area so that no delays or hurdles materialize."

3: Follow Instructions Carefully: If your insurer has specific instructions about the claims process, follow them very carefully. This may include filling in forms, providing further documentation or helping their investigation in other ways.

4: Keep Communication Open:

Be in constant contact with your insurer during the processing of your claim. It will allow you to clarify all questions, issues that constantly appear throughout this period. Only simple, clear communication will help quickly resolve your issue and receive the compensation you have been claimed for.


Planning a summer vacation abroad, there are a couple of things to bear in mind concerning travel insurance, too. First of all, make sure your insurance policy covers you well enough in case of a medical emergency while abroad, including hospitalization, evacuation, and repatriation.

Healthcare abroad may be many times more expensive than in your country and thus proper medical coverage will help you feel secure about your trip.

Also make sure that the insurance will be flexible with trip cancellations or interruptions that would result from happening or unforeseen causes like illness, disasters, or even advisories against traveling. This means that the protection guarantees you receive compensation for canceling or stopping the trip abruptly.

Also, one has to pursue international summer travel insurance that considers the special activities and places of your trip. That is, in case you plan adventure sports or activities or even scuba diving, hiking, among others, include coverage of those activities in the policy if such are covered in the itinerary in order to avoid gaps in coverage.

True, traveling abroad may involve more than one flight or layovers, so consider getting insurance that would cover travel delays or missed connections.

Knowing the fine print and purchasing an insurance policy that caters to your holiday plans to your best possible interest can help you have a carefree summer vacation in the knowledge that you are adequately cushioned for any eventuality against any kind of unforeseen contingencies or emergencies.

happy girl at the beach


Protection of your summer travel property with travel insurance for personal property is something without which you cannot have inner peace.

Such coverage ensures that, in case of loss, theft, or damage, your stuff is covered even when you are not at home, including; electronics, Jewelry, and even luggage. 

As such, personal property insurance will let you enjoy a vacation without having to worry about the financial constraint of replacement of essential items while on vacation in case of unexpected instances.


  • Coverage for Unexpected Events: Trip cancellation and interruption insurance provide financial protection if your travel plans are disrupted due to unforeseen events such as illness, natural disasters, or airline strikes.

  • Reimbursement for Non-Refundable Expenses: This insurance reimburses you for non-refundable expenses such as flights, accommodations, and activities if you need to cancel or cut short your trip due to covered reasons.

  • Pre-Existing Conditions Consideration: Some policies offer coverage for pre-existing medical conditions if certain conditions are met, such as purchasing the insurance within a specified time frame after booking your trip.

  • Additional Benefits: In addition to trip cancellation and interruption coverage, policies may include benefits such as trip delay reimbursement, emergency medical assistance, and baggage loss or delay coverage.

  • Policy Exclusions: It's essential to understand the exclusions and limitations of your policy, as not all reasons for trip cancellation or interruption may be covered. Common exclusions include cancellations due to pre-existing conditions not meeting policy requirements or events known before purchasing the insurance.


Such services are an intrinsic part of the travel insurance policies that will provide vital help to the traveler in times of unforeseen events while on foreign shores.

These usually extend to include 24/7 access to a dedicated assistance hotline provided by personnel who are fully experienced and vetted to offer the traveler counsel and assistance in several emergencies.

Be it a medical emergency, loss of your passport, or even a nasty delay in your trip, the assistance team can rush to your immediate help, by either arranging treatment, emergency evacuation or even contacting the local authority on your behalf.

Also, the protection and emergency assistance services are much more extensive; they comprise services beyond medical emergencies to almost all travel-related contingencies.

If you need legal services, encounter any natural disaster, or need emergency cash transfers, the assistance team can extend help and support for all these possible needs.

They may also be called upon in the case of a non-life-threatening situation or simply to provide help when chemical distress, be it about lost luggage, booking on another flight, or even conducting translation, thereby guaranteeing that travelers will be able to get help for whatever kind or type of difficulties they face on their trip.

If you need help abroad, please contact us immediatelly to avoid unnecessary charges. Contact us directly via phone  049 4331232 or 049 4331424. We work Mo-Fr from 9 -5pm.


  • Plan Ahead: Extend your travel insurance coverage before your current policy expires to avoid gaps in coverage.

  • Understand Policy Terms: Review your policy to understand the terms and conditions for extending coverage, including any limitations or exclusions.

  • Contact Your Insurer: Reach out to your insurance provider to inquire about extending your coverage and obtain information on the process and costs involved.

  • Consider Your Needs: Assess your travel plans and determine if you need to extend coverage for additional days, destinations, or activities.

  • Evaluate Coverage Options: Compare the cost of extending your current policy versus purchasing a new policy with extended coverage to find the most cost-effective option.

  • Renew Early: Renew your policy well in advance to ensure continuous coverage and avoid any last-minute issues or delays.

  • Provide Updated Information: If your travel plans or circumstances change, inform your insurer to ensure that your extended coverage adequately reflects your needs.

  • Confirm Coverage Details: Double-check the coverage limits, deductibles, and benefits of your extended policy to ensure they meet your requirements.

  • Keep Documents Handy: Keep copies of your extended insurance policy documents and emergency contact information easily accessible during your travels.

  • Review Cancelation Policies: Familiarize yourself with the cancelation policy for your extended coverage in case you need to make changes to your travel plans.

Sunny beach  - Holiday tips from AOR Insurances


1. Why is travel insurance important for summer holidays?

Travel insurance provides financial protection against unforeseen events such as medical emergencies, trip cancellations, lost baggage, and more, ensuring you can enjoy your holiday without worry.

2. What should I look for in a good travel insurance policy?

Look for comprehensive coverage that includes medical emergencies, trip cancellations, lost or delayed baggage, emergency evacuations, and coverage for activities you plan to engage in.

3. Is travel insurance necessary for domestic trips?

Yes, travel insurance can be beneficial for domestic trips as it covers trip cancellations, medical emergencies, lost baggage, and other unexpected incidents.

4. Does travel insurance cover COVID-19-related issues?

Many travel insurance policies now offer coverage for COVID-19-related expenses, including medical treatment and trip interruptions. Check the policy details to ensure it includes COVID-19 coverage.

5. How can I get the best deal on travel insurance?

Compare quotes from multiple providers, look for discounts, and consider bundling insurance with other travel services. Tailoring the coverage to your specific needs can also help you get the best deal.

6. What is the difference between trip cancellation and trip interruption insurance?

Trip cancellation insurance covers non-refundable expenses if you have to cancel your trip before departure due to covered reasons. Trip interruption insurance covers costs if you need to cut your trip short or return home unexpectedly.

7. What activities should be covered in my travel insurance policy?

Ensure your policy covers any activities you plan to engage in, such as scuba diving, hiking, or other adventure sports. Not all policies automatically include coverage for high-risk activities.

8. How do I extend my travel insurance coverage?

Contact your insurance provider before your current policy expires to discuss extension options. Ensure the extended coverage includes any additional days, destinations, or activities planned.

9. What should I do in case of an emergency abroad?

Immediately contact your insurance provider’s emergency assistance hotline for guidance. They can help arrange medical treatment, emergency evacuation, or other necessary assistance.

10. How can I avoid common travel insurance pitfalls?

Read the fine print of your policy, disclose all relevant information to your insurer, and ensure your policy covers your specific travel needs. Regularly review and update your coverage as needed.


Planning for the summer holidays involves booking comprehensive travel insurance in time.

AOR Insurance protection will cover your expenditure on hospital treatment due to developing medical conditions, cancellation of the trip, or even lost baggage. So you can relax and enjoy yourself on your long-awaited trip.

Your insurance policy may also be designed around the type of travel or activities being undertaken, scuba diving or hiking, say, for which an increased element of risk is taken by the client, and ignored coverage may leave them with a gap in cover that becomes their financial responsibility.

Insurance is also not to be forgotten.

Look around and compare the various insurance policies and acquire the best offer. Also, hunt for policies thatgive genuinely essential benefits.

These would include 24 hours 7 day a week assistance for urgent situations and adequate medical cover. Read the fine print regarding exclusions and limitations.

Terry Argue - Founder of AOR Insurances - Best Insurance broker in Cavan

Since 1973, AOR Insurances has stood as a pillar of support for Ireland, safeguarding lives, homes, businesses, and cherished possessions. For over five decades, we've protected families and businesses across Dublin's vibrant streets to Galway's serene landscapes.​

Embedded in the Irish community, we offer more than policies; we provide a shield, a safety net crafted with care. Our commitment goes beyond business hours; we're dedicated guardians through life's twists, ensuring tailored protection for every Irish way of life.​

We can insure nearly everything affordably! Join our story - a narrative echoing throughout Ireland, one of protection, care, and a secure future.

3 views0 comments


Rated 0 out of 5 stars.
No ratings yet

Add a rating
bottom of page