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Colorful row houses on a hillside overlooking a harbor town, with a tall Gothic cathedral spire rising above, Cobh, Ireland.

Travel Insurance for Ireland

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Fully Covered with LUMA

LUMA travel insurance helps protect your Ireland trip, from city breaks and coastal drives to countryside escapes and outdoor adventures.
  • 4.8
  • 4.0 Rating

  • Trusted by 100,000+ travelers

  • A decade of travel cover

  • Backed by medical guidance

  • Instant online purchase

Is My Baggage, Health, Trip Covered?

  • damage, loss
  • sudden sickness, hospital expense
  • delays, cancellations

Yes!

  • On-the-ground teams and global partners ensure care is always nearby.

    Hands

  • 24/7 English-speaking assistance with coverage curated for Finland

    Calling

  • Practical support backed by decade-long experience and deep-rooted hospital networks.

    Shield

  • Direct access to our in-house medical team (Medipro) for real medical advice.

    Stethoscope
Ireland calling? We go above and beyond to make sure your trip stays golden.
  • Blue pub building called 'The Quays' with murals and flags, people seated at outdoor tables.
    Two cyclists riding along a narrow country road bordered by hedges under a cloudy sky, Ireland.
    Slender waterfall flowing into a rocky pool, framed by dense green foliage.

    01 Injured near a coastal cliff or on a rural trail?

    Ireland's wild coastline and cliff paths are breathtaking, but slippery rocks, loose terrain, and sudden Atlantic swells make them genuinely hazardous. A fall or an injury in these areas can mean emergency care far from a major hospital. LUMA covers the medical costs and gets you to a better facility if the nearest one isn't equipped to help.

  • Colorful stone building with Irish flag bunting and red-framed windows along a street corner, Ireland.
    Gothic arched window inside a stone tower, framing a view of green countryside.
    Aerial view of a river bending through a small town, lined with white buildings and a bridge, under a cloudy sky, Ireland."

    02 Road accident on a narrow country road?

    Ireland's rural roads are famously narrow, often lined with high hedgerows, and shared by two-way traffic at surprising speeds. Visitors used to wider roads and driving on the right find the adjustment harder than expected, and accidents happen. LUMA covers the medical costs from a road accident and arranges transfer to a better hospital if local care isn't enough.

  • Dramatic sea cliffs with green grass tops overlooking the ocean, people visible near the edge, Ireland.
    Colorful mural of a couple painted on the yellow gabled facade of a pub called 'The Spaniard', with outdoor seating below.
    Stone tower castle beside a lake, surrounded by greenery under an overcast sky, Ireland.

    03 Sick during your Ireland trip?

    Ireland has excellent hospitals, but as confirmed by the US Embassy, non-residents must pay upfront for all medical treatment. An A&E visit runs around €100, and a hospital stay can reach €1,000 or more per day. Medipro can help you decide whether your symptoms need a doctor, and LUMA covers the medical costs so getting better stays the only priority.

  • Hexagonal basalt rock formations stretching along the coastline into the sea, Giant's Causeway, Ireland.
    Hikers walking along a rocky, muddy trail across an open landscape, Ireland.
    Stone castle with turreted towers beside a rocky riverbank, Ireland.

    04 Bag or belongings stolen at a scenic spot?

    Busy tourist areas can still be places where bags, phones, or wallets go missing, especially during peak season. If something is stolen during your trip, LUMA can help cover the loss so you can replace what you need and keep going.

  • Crowded cobblestone street lined with colorful shopfronts and pubs, Ireland.
    Coastal cliffside path with a wooden fence overlooking rocky sea stacks, Ireland
    Small distant lighthouse behind a stone wall on a green grassy field, under an overcast sky, Ireland.

    05 Ireland trip cancelled before you fly?

    Flights and hotel stays are usually booked and paid for well ahead of an Ireland trip. If a serious illness, an injury, or a family emergency gets in the way, LUMA plans with trip cancellation cover absorb the prepaid costs so the trip doesn't end up costing you twice.

Person photographing a coastal path along a green grassy cliff with a wooden fence, Ireland.
Mountain lake landscape with rolling hills and clouds, viewed from inside a vehicle, Ireland.
Cobblestone street lined with colorful shopfronts and parked cars in a small Irish town at dusk.
Person standing on a rocky cliffside path overlooking the sea, Ireland.
Pedestrians walking down a colorful storefront-lined street under a cloudy sky, Ireland.
Distant ruined abbey on a green clifftop headland, with wildflowers in the foreground, Ireland.
Ornate pub facade decorated with hanging flower baskets and vintage signage, Ireland.
Hexagonal basalt rock columns forming a rugged coastal landscape leading up a hillside, Giant's Causeway, Ireland.
Colorful shopfronts along a cobblestone street decorated with triangular flag bunting, Ireland.
Historic cathedral with a green dome beside a flowing river at dusk, Galway, Ireland.
Colorful stone building with Irish flag bunting and red-framed windows along a street corner, Ireland.
Crowded cobblestone street lined with colorful shopfronts and pubs, Ireland.
Hexagonal basalt rock formations stretching along the coastline into the sea, Giant's Causeway, Ireland.
Dramatic sea cliffs with green grass tops overlooking the ocean, people visible near the edge, Ireland.
Hikers walking along a rocky, muddy trail across an open landscape, Ireland.
Two cyclists riding along a narrow country road bordered by hedges under a cloudy sky, Ireland.
Blue pub building called 'The Quays' with murals and flags, people seated at outdoor tables.
Gothic arched window inside a stone tower, framing a view of green countryside.
Colorful mural of a couple painted on the yellow gabled facade of a pub called 'The Spaniard', with outdoor seating below.
Coastal cliffside path with a wooden fence overlooking rocky sea stacks, Ireland

Your Ireland Travel Insurance Questions, Answered

Rocky coastal cliff overlooking the sea at sunset, warm golden light illuminating the grassy headland, Ireland.

Yes, very. Ireland is consistently ranked among the safest travel destinations in the world, with low violent crime and a welcoming culture. The risks visitors actually face are practical: narrow rural roads, coastal cliff hazards, unpredictable Atlantic weather, and occasional petty theft in busy tourist areas. Those are the situations where cover makes the real difference.

Yes, with the right precautions. Ireland's cliff paths and coastal walks are stunning, but slippery terrain, loose rocks, and sudden large waves make them genuinely hazardous. The Cliffs of Moher and similar spots have safety barriers for good reason. Stay behind barriers, check Met Éireann for wind and weather warnings before any coastal day out, and never stand near cliff edges in strong winds. If something goes wrong on a trail, LUMA covers the medical costs and arranges evacuation to a better facility if the nearest one isn't enough.

Yes. Ireland has modern, English-speaking hospitals, but as confirmed by the US Embassy in Ireland, non-residents must pay upfront for all medical treatment. An Accident and Emergency (A&E) visit runs around €100, a GP visit costs €50-70, and a hospital stay can reach €1,000 or more per day. EU and UK visitors with a valid EHIC or GHIC get free or reduced care at public hospitals. LUMA covers medical expenses under your plan so those costs don't fall entirely on you, and Medipro can help you decide whether your symptoms need a doctor.

Yes, if you're from outside the EU or UK. Non-EU visitors pay the full cost of all treatment upfront. EU visitors with a valid European Health Insurance Card (EHIC) and UK visitors with a Global Health Insurance Card (GHIC) get free or reduced care at public hospitals, but not at private facilities. LUMA covers medical costs under your plan, and where direct billing is available, the facility bills LUMA directly so you're not settling everything yourself at the time.

It depends on your nationality. Ireland is not part of the Schengen Area and runs its own immigration system. Citizens of many countries, including the US, UK, Canada, and EU nations, can enter Ireland visa-free for short tourist stays. Indian passport holders generally need a visa arranged in advance through the Irish Naturalisation and Immigration Service. Check the current requirements for your nationality on the official Irish immigration website before booking. Note that a Schengen visa does not cover Ireland, and an Irish visa does not cover Schengen countries.

Yes. Ireland's weather is famously unpredictable, and strong Atlantic storms can arrive with little notice, affecting coastal activities, rural driving conditions, and flights into Dublin and Shannon. Aer Lingus and Ryanair disruptions also occasionally affect travellers, and Dublin Airport sees luggage delays during peak summer. Monitor Met Éireann before any travel day. If a covered flight delay meets your policy threshold, LUMA's flight delay cover helps with expenses like meals or an overnight stay. If severe weather forces you to cut your trip short, trip interruption cover may apply for unused prepaid costs.

Go places, we’ve got you covered.

  • Rugged sea cliffs with a rock sea stack rising from the water, viewed in soft evening light, Cliffs of Moher, Ireland.
  • Stone tower castle beside a calm lake, surrounded by green fields under a moody sky, Ireland.
  • White limestone cliffs curving along a turquoise sea with waves breaking below, Ireland.

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