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Laya healthcare travel insurance.

Traveling is an exciting and enriching experience, but it always carries some risks. No matter how carefully you plan your trip, unexpected events can happen, such as lost luggage, flight cancellations or medical emergencies. That’s why having travel insurance is crucial to protect you and your loved ones during your travels.

What is Laya Healthcare Travel Insurance?

Laya Healthcare is a leading health insurance provider in Ireland, and it also offers travel insurance for its customers. Laya Healthcare Travel Insurance is designed to provide peace of mind and protection when traveling abroad. It covers a wide range of risks, including medical expenses, trip cancellation or interruption, lost or stolen baggage, and personal accidents.

Why Choose Laya Healthcare Travel Insurance?

There are many reasons why you should choose Laya Healthcare Travel Insurance for your next trip. Here are some of the benefits:

• Comprehensive coverage: Laya Healthcare Travel Insurance offers a wide range of coverage options to meet your specific needs, including medical expenses, trip cancellation or interruption, lost or stolen baggage, and personal accidents.
• Affordable premiums: Laya Healthcare Travel Insurance offers competitive premiums that are affordable and flexible, so you can choose the coverage that suits your budget.
• 24/7 emergency assistance: Laya Healthcare Travel Insurance provides 24/7 emergency assistance and support, so you can get help whenever you need it.
• Easy to purchase: You can easily purchase Laya Healthcare Travel Insurance online, and it only takes a few minutes to get a quote and buy your policy.
• Trusted provider: Laya Healthcare is a trusted and reputable insurance provider in Ireland, and it has been serving its customers for over 20 years.

What Does Laya Healthcare Travel Insurance Cover?

Laya Healthcare Travel Insurance offers different types of coverage options to suit your specific needs. Here are some of the coverage options:

• Medical expenses: Laya Healthcare Travel Insurance covers medical expenses, including hospitalization, doctor’s fees, prescription drugs, and emergency dental treatment.
• Trip cancellation or interruption: Laya Healthcare Travel Insurance covers the cost of your trip if you have to cancel or cut short your trip due to unforeseen circumstances, such as illness or injury.
• Lost or stolen baggage: Laya Healthcare Travel Insurance covers the loss or theft of your baggage and personal belongings, including reimbursement for essential items while you wait for your baggage to be returned.
• Personal accidents: Laya Healthcare Travel Insurance covers accidental injury or death while traveling.
• Personal liability: Laya Healthcare Travel Insurance covers your legal liability for accidental injury or damage to property caused by you while traveling.

How to Purchase Laya Healthcare Travel Insurance?

Purchasing Laya Healthcare Travel Insurance is quick and easy. Simply visit the Laya Healthcare website, enter your travel details, and select the coverage options that suit your needs. You can get a quote and purchase your policy in just a few minutes. You can also contact Laya Healthcare directly to purchase your policy by phone or email.

Laya Healthcare Travel Insurance is the ultimate travel companion that provides peace of mind and protection during your travels. It offers comprehensive coverage, affordable premiums, 24/7 emergency assistance, and it’s easy to purchase. Laya Healthcare Travel Insurance is trusted by thousands of travelers every year, and it’s the perfect choice for your next trip.

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• General Financial Issues
• Health Insurance and healthcare costs

Laya   Medical emergency or death abroad

• Thread starter Mona G
• Start date 13 Sep 2016

Registered User

• 13 Sep 2016

Hi All, It is a long post but please bear with me. This is about an issue that most of us care about: safe return from holidays back home in Ireland, alive or not, and insurance cover. I am in the process of shopping around for a travel insurance. I want my safe return to Ireland, in case of medical emergency or death abroad, to be covered. We all have heard stories about how stressful and costly it can become. So first I started checking what exactly my partner and I are already covered for under our existing Laya private health insurance schemes Essential Assist & Flex 500 Explore in this respect. Below are my findings. 1. Death abroad/ repatriation of remains: Not covered under any of the two Laya schemes. Is anyone aware of any Laya scheme that would cover such an eventuality? If not - I guess travel insurance. 2. Medical emergency: Laya General Rules – Policy Booklet reads as follows: p.22 under ‘Treatment Overseas’ : Emergency hospital admission overseas ‘limit allowed on a members scheme applies to each episode of illness or injury. An episode means a continuous period of illness or injury. Periods of illness separated by less than 28 days shall be treated as continuous.’ ‘Your membership of the scheme will end immediately if you stop living in Ireland for a consecutive six month period.’ p.22 under ‘Repatriation’ : ‘This is benefit of up to €2,000,000 towards the cost of medically evacuating a person to the nearest medically appropriate country (…)’ p.23: ‘(…)We will only pay the costs of repatriation or evacuation which is arranged by a laya healthcare approved overseas provider.’ I understand that Laya will cover medical evacuation of a person only to a nearest medically appropriate country , which may not be Ireland at all. Hospital stay may turn out to be longer than 6 months. So this person, possibly able to travel, - may be left without medical cover before the 6 months are up, as there is a limit per ‘episode’, - will be left with no medical cover at all after 6 months, as they have 'stopped living in Ireland', - when back in Ireland, will most likely be unable to resume membership of Laya as it was before going abroad. Is my interpretation correct? How to ensure return back home and family, to a hospital in Ireland, if Laya representative says 'no'? Your comments and advice will be most appreciated. Many thanks! Mona  

I think you are seriously overthinking this. In the very unlikely event that you are in a foreign hospital, and medically cant be moved to a hospital in Ireland,even for 6 months , you are still a resident of Ireland.  

Thank you huskerdu for your reply. I agree with you re residency. However, Laya's policy wording does not refer to residency. It refers to 'living in Ireland' . And this is open to interpretation and does not have to mean residency as defined for tax purposes in Ireland. Being in a hospital abroad means living outside Ireland, regardless of residency or citizenship status. This is in my view an obvious interpretation. I agree with you - moving to Ireland from a hospital abroad may be possible before the 6 months are up. But - who is going to pay for this? Laya only commits to a payment towards the cost of medically evacuating a person to the nearest medically appropriate country . Decision what country it would be is in the hands of the Laya's healthcare approved overseas provider. There is no mention in the policy that Laya would ever bring a person back to Ireland. At least I did not find it. My experience with public works contracts taught me first hand how important use of words and their meaning and possible (mis)intepretation is. Also, many issues discussed on askaboutmoney come down to understanding and interpretation of policy documents. What I found in my Laya's policy document alarmed me. Am I the only one who finds it worth looking into?  

• 14 Sep 2016

You are over thinking it. When you spend a number of months in a hospital you are not living in a hospital, you are staying in a hospital. The general thesaurus definition, if you want to get technical on interpretation, of the verb to live would be to make one's home, one's residence, to be settled. Which you would not be in a hospital and what you would remain to be in ireland. Also the rule of contra preferentum would apply to Laya's wording so it would favour you as opposed to them in a court. But that is always why they are being so casual as to say "living in Ireland". Because they are trying to keep their wording uncomplicated. Not so everyone needs to forensically examine each word.  

The general point that needs to be made is that the travel insurance which comes as part of a Health insurance policy is very limited and should not be relied on if you want to feel secure that you have adequate insurance in the event of something going wrong. If you are concerned, Get proper Travel insurance.  

Thank you for all the replies, they are most helpful. Huskerdu, you may have noticed from my original post that the reason why I started looking into details of the private health insurance cover I already have is because I am in the process of shopping around for travel insurance. So it seemed reasonable to check what I am covered for already before I decide on the type of travel insurance cover next. Travel insurance offers a discount to people with a private health insurance. I would think it is a good idea to understand what each one of them covers. And since I don’t know the nitty gritty of how it works and what matters when checking and choosing insurances, I asked my questions. Thanks to all your replies I understand some things better now. Most appreciated!  

• 18 Sep 2016

"Travel insurance offers a discount to people with a private health insurance." Yes, but usually because the Health Insurer will be involved if there is a claim. Health insurer will not repatriate a dead body, any more than they will arrange transportation in Ireland from place of death to undertaker.  

Do the family pay for repatriation of remains then? I know the Kevin Bell Trust have helped quite a few families who have found themselves in this awful situation...  

• 19 Sep 2016

This subject along with other questions regarding of what we are really covered for in any insurance policy have been discussed on various threads on this forum. Seems to me that when you read all the small print the customer is insured for very little. We all buy annual travel insurance; we extend our health insurance; we have our broker get a deal. But, whatever way we look at our travel insurance - we're covered for all eventualities until something happens. When you claim the insurance company circles its wagons and builds their case to pay as little as possible. The Irish Insurance Industry as been getting away with such situations for years. It is about time that they come up with written policies explaining in simple terms what the customers are covered for and stop hiding behind small print etc. Remember the word-of-mouth from your insurer or broker is useless.  

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Holiday insurance

If you’re looking for a policy that offers comprehensive cover for a competitive price, look no further than InsureandGo.

There’s no better way of recharging your batteries than going on a nice, relaxing holiday . And whether your idea of a relaxing holiday is two weeks of sunbathing in Spain , a couple of nights of shopping in New York or even a month travelling Asia , travel insurance is a must.

Holiday cancellation

Up to €7,500 cover for holiday cancellation (Platinum product)

Cover for trips of 3 days to up to 12 months

Sports and activities

Over 50 sports and activities covered free

24/7 emergency medical assistance helpline

Medical coverage

You will have access to medical coverage up to €10 million if you choose the Platinum option.

Cancellation

All of our travel insurance policies include cover for cancellation of your trip.

Emergency assistance

If you have an emergency, you can call our medical emergency line, 24 hours a day, 7 days a week.

Transparency

We are fully transparent to our clients. There are no hidden transaction fees in your coverage.

I’ve lost my documents. How do I retrieve them?

If you have lost your policy documents, you can retrieve them online. Enter your quote number and e-mail address to access your documents. If you would like your documents resent through the post or you have forgotten your quote number or if you have any other problems accessing your documents online, please call our customer service team on 091 545 904 or email [email protected] .

What do I do if my passport is lost or stolen abroad?

You should report any loss or thefts of passports to the local police in the country you are in as soon as possible. You will need the crime reference details they provide for the APS1 (which is the Lost or Stolen Passport Notification) form. You should also report the loss or theft to the Irish embassy of the country you are in. You can get details of your local Irish embassy wherever you are by visiting the website of the Department of Foreign Affairs. The Irish embassy will issue you with replacement travel documents so you can travel back.

When will my documents arrive through the post?

Normally, we say to allow between 5 to 10 working days between you buying your policy and your documents being received in the post. However, we do always aim for your policy pack to be with you sooner. You can still travel with a printed copy of your emailed documents if the posted documents don't arrive in time.

What do I need to take on holiday with me?

We advise that you take your travel insurance certificate and the relevant policy wording booklet away with you.

You may travel with a printed copy of your emailed documents. If you are unable to print your emailed documents, simply write down your policy number and the emergency medical assistance and claims line telephone numbers from the back of our policy wording booklets which can be found here.

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Multi-trip travel insurance

Our annual travel insurance is the ideal option if you’re going to be travelling more than once this year.

Winter sports cover

If you’re going on a winter sports trip, making sure you’re covered with a comprehensive ski insurance policy is important.

Long stay travel insurance

At InsureandGo we provide cheap long stay travel insurance, which is the ideal option if you’re going away for anything up to 12 months.

Contact information

Emergency contact overseas.

In the event of an emergency overseas, call +353 91 545908

Non-emergency claims

For non-emergency claims, please call +353 91 545907

Other enquiries

For other enquiries, please see our “Contact Us” page.

How To Renew Your Cover

What do i need to do to renew my cover.

We’ve simplified your renewal so you don’t need to do anything. Your policy will automatically renew.

If you would like to review your cover before you renew, simply log into your Member Area  to see the details of your scheme and options for changing your cover  or visit our renewal FAQs .

You can also chat to our award-winning Customer Care team by calling 021 202 2000.

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Layatravelinsurance   Reviews

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If there would be less than 1 star

If there would be less than 1 star, they would deserve it. We paid 100 euro to make sure we are covered for the trip Dublin to Georgia and Back , with layovers. The flight on the way back was delayed and we missed our connection from Türkiye to Dublin. I got explained on the phone, we are not intitled for any refund as they COVER ONLY DIRECT FLIGHTS AND NOT ONE WITH CONNECTIONS! I sent multiple emails asking to have it written but they are just ignoring. SCAMMERS. I recommend to stay far away from them.

Date of experience : 30 October 2023

Laya Travel dissapoint.

Last February I purchased travel insurance from Layatravel. It was for 2 going to Orlando via Air Lingus., March 24, for 2 weeks. All flights were cancelled, Trump shut down America.In April I contacted Laya, and asked for a voucher,or refund. No. Laya were polite but firm. Rules are rules. 14 day cancellation after purchase only.No ifs or buts.the virus situation was no reason for a voucher. All American companies, refunded or vouchered .Aer Lingua voucherd. Hotels,car hire refunded. The only one who said NO,? .Laya travel. Would have no confidence in this company, if needed I think Laya would find some little reason to back away David white.

Date of experience : 13 December 2020

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