For policies in force prior to 19^th June 2024, the below information is applicable.

We have been monitoring the industrial action (work to rule) from Aer Lingus pilots which commenced on 26^th June 2024 with no reported end date.

Work to rule action means pilots will not work overtime, accept amendments to rosters or can be contacted outside of working hours. This will likely cause disruptions to our members travel plans.

EU Regulation 261 aims to ensure the right to assistance or compensation for passengers of European based airlines, in the event of flight cancellation, delay or denied boarding. If your flight is affected by the industrial action, please contact the airline as soon as you are aware. The airline is obliged to provide you with written confirmation of any entitlement under EU261.

For any cancelled flights where the airline has not offered reimbursement, re-routing or rebooking, this needs to be confirmed by the airline in writing and submitted to us with any claims.

·         If your flight has not been cancelled and is only delayed due to the industrial action, your Vhi MultiTrip policy can consider claims for delays in excess of 12 hours only, provided you have checked in for your flight. Please refer to your Terms and Conditions for benefit details.

·         If you are delayed on the outward leg of your trip from Ireland, and delayed by 12 hours or more, your Vhi MultiTrip policy can consider an abandonment claim for unused travel and accommodation costs.

·         If you are outside of Ireland and delayed by at least 24 hours beyond your original return date, your Vhi MultiTrip policy can consider claims for additional transport costs to return you home, provided these have not been refunded by the airline. See information in the Trip Disruption section of your policy under ‘Compensation while travelling’ section.

Any policies purchased on or after the 19th June 2024 have no cover for claims, due to the known planned industrial action. For any policies purchased prior to 19th June 2024, please see your policy wording under Trip Disruption “Knowing your trip would be disrupted” for further information.

Yes. We have a winter sports add-on that can be included on your policy. If you are purchasing a MultiTrip policy as a new customer, you will be given the option to add this to your policy when purchasing. Once you have purchased and you are an existing MultiTrip customer you can add this add-on at any time prior to travelling in MyVhi.

Please ensure you familiarise yourself with the trip duration limits on this policy. If a lower limit applies on your domestic private medical insurance plan, claims under 'Medical Expenses' (Hospital Treatment) will only be paid if you have a valid claim under your domestic private medical insurance plan.

You are covered for as many trip(s) you take to a maximum of 180 days in the year. Each trip you take cannot exceed:

• 60 days if you are aged up to and including 64 years.
• 30 days if you are aged between 65 and 79 years.
• 30 days if you are aged 80 years or over and travelling in Zone 1 (Europe only).
• 21 days if you are aged 80 years or over and travelling in Zone 2 (Worldwide excluding the USA, Canada and the Caribbean).
• 5 days if you are aged 80 years or over and travelling in Zone 3 (Worldwide). This applies to policies that were renewed or purchased before the 1st of February 2024.

The maximum trip duration we can offer on a MultiTrip policy depends on your age. However, we offer a range of trip duration add-ons, see below. If you are purchasing a MultiTrip policy as a new customer you will be given the option to add this to your policy when purchasing. If you are an existing MultiTrip customer you can purchase this add-on in MyVhi.

• Up to 64 years – 90 days in Zone 3
• Up to 64 years – 180 days in Zone 3
• Between 65 and 79 years – 60 days in Zone 1 or 3
• Between 65 and 79 years – 90 days in Zone 1 or 3
• Between 65 and 79 years – 120 days in Zone 1 or 3
• Between 65 and 79 years – 180 days in Zone 1 or 3

Enjoy complimentary access to a LoungeKey™ airport lounge courtesy of Vhi MultiTrip travel insurance. This is a free and exclusive service available to you once your flight is delayed for more than one hour.

You will need to register your flight(s) online on vhi.loungeaccess.ie at least 2 hours before your scheduled departure time. Once you have registered, you will be contacted with details on how to access the lounge if your flight’s delayed by one or more hours.

Full terms and conditions, FAQs and details on how to register your flight, can be found on www.vhi.loungeaccess.ie

Yes, there is an excess of €85 on your MultiTrip policy, which you will pay per person, per claim. You can waive that excess for a very small cost by purchasing the excess waiver.

If you are purchasing a MultiTrip policy as a new customer, you will be given the option to add the excess waiver to your policy when purchasing. If you are an existing customer you can purchase this at your renewal.

You must be travelling or moving abroad for a period of 6 months or more to be eligible for Vhi International. We recommend you purchase this policy prior to travelling or moving abroad.

Yes. Vhi International is split into three different geographical areas. They are:

• Europe
• Worldwide, excluding USA and Caribbean
• Worldwide 

Yes. The waiting periods on an International policy are:

• 4 months for any known or planned in-patient treatment.
• 5 years for any pre-existing conditions.
• 10 months for maternity benefits (if applicable).

Please note: if you have already served the pre-existing conditions and maternity waiting period on your private health insurance plan, you will not have to serve that period again. If you have only partially satisfied the waiting periods, we will recognise the time served on your private health insurance plan. If you have not held private health insurance at all, or had a break in cover the full waiting periods listed will apply.

Simply contact us on +35356 444 4444 when you return and we will arrange to transfer you from Vhi International to one of our Vhi Healthcare plans in Ireland, providing you with continuity of cover. 

Vhi International is risk rated, meaning the cost varies with age; it also depends on the geographical area you select. 

The following age limits apply:

• For current private medical insurance customers moving to Vhi International, the limit is 74 years of age.
• For new customers joining Vhi International, the limit is 64 years of age.