Travel Insurance


 How can I purchase Travel insurance?

You can purchase Travel insurance online when you book your flights or afterwards via the “My Bookings” section on or when checking in online. You can view the full travel insurance policy document during purchase. Remember to check the tick box to confirm that you have read, understood and agreed to the Terms and Conditions of your insurance policy, in particular the Conditions and Exclusions relating to all pre-existing medical conditions.

Who can purchase Ryanair's travel insurance policy?

Anyone who is a resident in one of the countries listed below can purchase a travel insurance policy with Ryanair.
To qualify as a resident of a country, your main home must be in that country and you must not have been abroad for more than six months in the last year.
Unfortunately, we can’t offer travel insurance to residents of any country other than those listed. However, we strongly recommend that all passengers purchase suitable travel insurance cover.

  • Austria
  • Belgium
  • Czech Republic
  • Denmark
  • Finland
  • France
  • Germany
  • Hungary
  • Ireland
  • Italy
  • Latvia
  • Lithuania
  • Malta
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Slovakia
  • Spain
  • Sweden
  • United Kingdom

  • Greece
  • Bulgaria
  • Romania
  • Croatia
  • Estonia
  • Cyprus

What are the age limits of the policy?

Medical expenses are not covered for travellers that are 70 years of age or older at the time of the medical treatment. Travellers over 70 are still covered if they need to cancel due to a covered medical event.

Additionally, any insured person aged 65 and over is subject to double the excess under the cancellation & curtailment, medical & treatment expenses and trip abandonment sections of the policy.

Are there any exclusions to the policy?

Yes. There are general exclusions and conditions that apply to the policy overall and some exclusions and conditions are specific to individual sections. Please read the policy document carefully to ensure you have the cover you need.

Can I buy an insurance policy if I live in an EU country but work outside Europe?

Yes, you can buy an insurance policy if you are a resident of an EU country. To be considered a resident, your main residence must be in an EU country and you cannot have stayed abroad for more than six months in the last year.


Does my policy only exclude my own pre-existing medical conditions?

No. Your policy excludes pre-existing medical conditions that are known to you, or that concern the health of you, your relatives, your travelling companions or anyone whose ill health would force you to cancel or cut short your trip.
A relative is defined as "brother, brother-in-law, common-law partner, daughter, daughter-in-law, fiancé(e), grandchild, legal guardian, parent, parent-in-law, sister, sister-in-law, son, son-in-law, or spouse who live in your country of residence".

Is it possible to upgrade the policy to include a pre-existing medical condition?

No, unfortunately we are unable to add additional cover for pre-existing medical conditions.

When does my insurance cover begin and end?

Your insurance policy offers you insurance protection in line with your flight timings. The policy will take effect and you will be covered against cancellation costs from the moment you purchase your flight and policy.
The remaining cover will come in to effect from the time you leave your home and commence your trip until your trip ends and you return back to your home.
If you have a one way flight your insurance policy will cover you for up to 8 days.
If you have purchased an annual multi-trip insurance policy, the policy will take effect from the moment you purchase your flight and policy for a period of one year. Your multi-trip insurance policy offers you insurance protection in line with your Ryanair flight timings taken during that year of cover.


How can I view a copy of my travel insurance policy?

You can view your travel insurance policy at any time. Your policy documents are available to print or download directly from the Ryanair website.
Click below and follow the links to the documents page.
Your travel insurance policy number can be found on the flight booking confirmation email.
Should you need to contact us, you just need to provide a copy of your flight booking reference number.

Europ Assist documents

XCover documents

What if I want to change my booking and I have travel insurance booked?

 If you’ve already purchased travel insurance and you then change your travel time, date or destination it is essential that you contact the insurance provider directly to amend your travel insurance cover/duration.
Changes to your policy cover/duration can only be made if you have not yet started your trip.
Ryanair is not responsible for any passengers who fail to amend their travel insurance policy details.
If your insurance was purchased with Europ Assist, contact them directly from the link below.
If your insurance was purchased with Cover Genius, modify your policy within your XCover Account.

Contact Europ Assist

XCover Account

What do I do if I want to cancel my travel insurance policy?

We hope you are happy with the cover that your policy provides. However, you can cancel your policy within 14 days of purchase as long as you have not started your trip.
If you purchased your policy during the initial flight reservation process apply for a refund below.
Providing you meet the criteria, your travel insurance refund request will be processed to the original form of payment within 7 working days of receipt of your e-mail.

Apply for a refund here

What do I do if I need medical emergency assistance when I am away?

If you need to see a doctor, go to the hospital or return home because of an emergency, the Emergency Assistance Team are open 24 hours a day 365 days a year and will assist you with advice and making arrangements.
If your insurance was purchased with Europ Assist, you can contact the Emergency Assistance Team directly on 00 34 91 514 0000.
If your insurance was purchased with Cover Genius and your coverage includes emergency assistance or other medical cover, you can contact your dedicated 24/7 medical assistance service, XCover Assist, which is available in multiple languages. You can find the emergency phone number within the policy wording in your XCover Account.


How do I get an insurance "no show" letter?

To request an insurance “no show” letter for your unused flight(s) please contact us using our online chat service.
Alternatively you can speak to an agent at our call center.

How do I make a complaint?

At Ryanair we take pride in offering our customers the best possible service, but if you do have any questions or concerns about this insurance product or the handling of a claim, please revert to your policy documents where you will find a detailed complaints procedure.