Long Stay Travel Insurance for Ireland: A 2025 Guide

There are so many things to do when it comes to getting ready for an extended stay in Ireland.

From researching the city you'll be living in to learning about the culture, climate, and what to expect while staying there. Then, there's the legal aspects, like making sure you have the right visa that will allow you to do whatever it is you're heading to Ireland to do.

There's one important thing that all travelers need to consider before heading to Ireland for a long stay - and that's travel insurance.

Long stay travel insurance is a must when you're traveling to Ireland.

In this guide, we're going to take a look at why you need long stay travel insurance for Ireland and the best option for your visit.

Why do you need long stay travel insurance for Ireland?

While Ireland has high-quality medical care, it can be very expensive for foreigners.

If you're planning to stay in Ireland for an extended period, it's a good idea to have the added security, just in case an emergency happens.

In addition to that, long stay visas for Ireland require the holder to take out a travel insurance policy.

While you won't be asked for proof during the application process, you will be expected to purchase a policy once your visa has been approved, and immigration officers at the border may ask to see it before allowing your entry into the country.

Actually, the same is true for short-stay visas. If you are getting a short-stay visa for Ireland, you will also need to get travel insurance upon approval.

Where can you get long stay travel insurance for Ireland?

Several places. Nowadays, there are great online options that give travelers a 100% digital experience from start to finish. Insurte is one of them.

Purchasing a policy through Insurte allows you to compare and contrast policies, find the right one for you, and then purchase it online in just a couple of minutes.

You will receive proof of your coverage immediately upon purchase.

The best long stay travel insurance for Ireland

If you're planning to stay in Ireland for more than 90 days, there are a couple of comprehensive options that come out on top. Both are available through Insurte.

Mutuaide through Insurte

With several policies to choose from, Mutuaide is a great choice for your long stay in Ireland.

Some of the details include:

• €100,000 in emergency medical expenses.
• Emergency surgery & hospitalization.
• Medical evacuation and repatriation (including mortal remains).
• Covid-19 and all epidemics.
• 24/7 travel assistance and support.
• Valid for up to 365 days (keep an eye on per-trip minimums, as some policies may have them.)
• Even more.

At either a per-day rate or a flat rate (depending on which policy you choose), Mutuaide through Insurte checks all of the boxes as it's easy to buy, covers you in Ireland as well as other countries, and offers a wide net of guarantees.

AXA Platinum through Insurte

Another great option is AXA Platinum through Insurte, though keep in mind that it's only for trips 120 days and under. If you're planning to stay in Ireland for more than 120 days, Mutuaide will be a better option for you.

With that said, AXA, through Insurte, provides:

• €100,000 in emergency medical costs
• Emergency surgery & hospitalization
• Medical evacuation & repatriation (including mortal remains)
• Covid-19
• 24/7 travel assistance and support
• Up to 120 days of coverage
• More

AXA Platinum through Insurte can be purchased at a flat rate.

Which one is best for me?

The one that's best for you meets your needs.

If your trip is longer than 120 days in duration, Mutuaide will be the better of the two (again, just keep an eye on trip maximums).

Make sure you compare and contrast policies using Insurte's travel insurance comparison tool.

Tips for choosing the best policy

It's important to choose the best policy, and what's best might be different for every traveler. The best policy for you covers your needs. Here are a few things to consider when you're looking through your options.

Make sure it meets visa requirements

If your long stay visa for Ireland is approved, you're required to take out long stay travel insurance. Make sure that the policy you choose adheres to any specific criteria mentioned and covers you in Ireland.

Keep an eye on trip maximums

While some travel insurance covers you for long periods of time, it may have trip maximums. When you're comparing insurance policies, always check trip maximums so you're certain you will be covered the entire length of your trip.

Compare and contrast policies

It's important to compare policies and ensure that the one you choose meets all of the requirements you have, whether those requirements are set by you or a company, university, visa, etc.

Also, it's important to keep in mind that not all travel insurance policies offer long term coverage. Mutuaide through Insurte offers long stay travel insurance valid in Ireland, making it an alluring choice.

Ease of purchase

Companies like Insurte offer a 100% digital experience, from insurance comparison to purchase to downloading your proof of insurance.

Simple processes can help when you're planning a big trip. You can easily check off another line item, decreasing any travel planning stress!

Long stay travel insurance for Ireland costs

How much travel insurance costs depends on several factors, like the duration of your trip, the kind of coverage you'd like, and how many people need to be covered on your policy.

Insurance policies usually start at a few dollars a day, though some long stay travel insurance is offered at a flat rate. This can be particularly helpful for longer trips.

Is long stay travel insurance for Ireland worth it?

Definitely.

Whether you're heading to Ireland for work, to study abroad, or for something else, having travel insurance will give you peace of mind during your trip, knowing that you're covered if an emergency happens.

If you're getting a visa, it's a requirement.