Last updated: 03/28/2025
Travel insurance is not legally required for visiting Ireland, but it is highly recommended. U.S. health insurance does not cover medical expenses in Ireland. While the country has high-quality healthcare, non-residents must pay out of pocket, which can add up given the exchange rate that particular day.
Ireland’s unpredictable weather, reliance on public transport, and adventure opportunities make comprehensive travel coverage a smart investment. If you plan to rent a car, explore rural areas, or engage in outdoor activities, the right travel insurance can save you from unexpected expenses.
Ireland has excellent healthcare, but non-residents must pay for medical services out of pocket. Travel medical insurance ensures access to treatment without financial stress if you experience a sudden illness or accident while exploring urban and rural areas.
✅ Travel insurance can get you quick access to quality medical care and pay for hospital visits, doctor fees, and medical transport.
Ireland’s unpredictable weather—frequent rain, strong winds, and occasional storms—can delay flights and disrupt travel plans, which can be particularly burdensome for U.S. citizens traveling abroad and relying on shifting daily exchange rates.
✅ Travel insurance can reimburse you for trip delays, cancellations, and additional accommodation costs.
Ireland is famous for its natural beauty and striking rural countryside. Accidents can happen whether you’re hiking the Cliffs of Moher, kayaking in Dingle Bay, or horseback riding in Connemara.
✅ Travel insurance can protect you during your planned excursions and sports activities, including paying medical bills if injured.
Although Ireland is safe, the Department of State notes that petty theft and crime have increased recently. Pickpockets and petty criminals are known to target tourists and rental cars in Ireland.
✅ Travel insurance can reimburse you for lost or stolen personal items, delayed baggage, and more.
Travel medical coverage is essential for Ireland, as U.S. health insurance does not cover medical treatment abroad. It ensures access to top-tier medical facilities and helps cover unexpected healthcare costs.
✅ Recommended: At least $250,000 in medical coverage.
Suppose you are severely injured or need specialized care. In that case, Medical Evacuation coverage ensures transport to the nearest high-quality medical facility or back to the U.S., even in remote or rural areas. Without insurance, a medical evacuation from Ireland could cost $50,000 or more.
✅ Recommended: At least $250,000 in emergency medical evacuation coverage.
Ireland may not be the most expensive destination, but flights, accommodations, and tours can add up. Trip Cancellation reimburses prepaid expenses if you cancel due to illness, emergencies, or weather-related disruptions.
✅ Standard coverage: Up to 100% reimbursement for cancellations, 150% for trip interruptions.
Having luggage benefits is helpful if your luggage is lost, delayed, or stolen since it can cover the costs of personal items like electronics, jewelry, and passports.
✅ Recommended for Travelers carrying valuable gear.Most standard travel insurance policies do not cover:
We analyzed data from over 9,000 travelers who purchased travel insurance for Ireland through our marketplace in the past 12 months. Based on these purchases, the average traveler spent $5,000 for a 15-day trip and about $325 in comprehensive travel insurance, or about $22 per day for a safety net and peace of mind.
That said, the cost of travel insurance for a trip to Ireland depends on various factors—such as the number of travelers, their ages, trip length, and planned activities. For example, adding adventure sports coverage or cancel-for-any-reason benefits can increase the total premium.
As the nation’s largest travel insurance marketplace, we allow travelers to view more policies and providers than any other comparison site. Comparing multiple plans lets you find the best coverage for your Japan getaway at the lowest possible price.
Since each provider and policy differ, check for exclusions related to age limits, pre-existing conditions, adventure sports, and severe weather events related to your chosen plans.
Ireland is a generally safe destination but presents some unique travel risks worth considering. These include frequent rainstorms that can cause travel delays, narrow rural roads that may increase the likelihood of car accidents, and potential injuries from hiking or outdoor adventures. Additionally, your age, health status, travel itinerary, and time of year can all affect your personal risk level.
Identifying these potential hazards will help you choose the right insurance policy. A comprehensive plan can provide financial protection for unexpected medical expenses, trip interruptions, and weather-related disruptions.
When shopping for Ireland travel insurance, we recommend getting at least $250,000 in medical coverage and $250,000 in evacuation coverage to help avoid serious out-of-pocket expenses in an emergency.
According to the U.S. Embassy in Ireland, non-residents must pay for medical treatment in Irish hospitals upfront. Some travel insurance providers will pay these costs directly, so you’re not stuck fronting a sizable medical bill during your trip.
Absolutely. Travel insurance’s low daily cost protects against costly medical expenses, lost luggage, and unexpected disruptions. Given Ireland’s weather unpredictability, outdoor activities, and long-haul flights, travel insurance is a wise investment for peace of mind.
Yes! Ireland is one of the safest travel destinations in the world, and the US Department of State has a level 1 travel advisory to exercise standard precautions. However, petty crimes like pickpocketing can occur in tourist areas.
No, but it is strongly recommended since U.S. health insurance does not apply abroad. The US Department of State recommends travelers have medical travel insurance and supplemental medical evacuation coverage before visiting Ireland.
A valid passport is required for U.S. travelers. Visas are not required for stays under 90 days. Visit travel.state.gov – Ireland for more information.
No, but some travel insurance plans still include COVID-19 coverage for cancellations or medical treatment.
A passport is required, but U.S. travelers do not need a visa for stays under 90 days. For the latest updates, visit travel.state.gov – Ireland.
No, most U.S. health insurance does work outside of the United States, and if it does, it will be subject to many exclusions. Medical and Medicaid are also only valid within the United States. Therefore, basic travel medical insurance is essential when traveling abroad.
U.S. Embassy in Dublin
42 Elgin Road
Ballsbridge
Dublin 4
+353 1 668-8777
Embassy Website
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