A question on the WARNING: RyanAir Online Check-in thread had me scoping out the insurance policy on offer from the airline when you purchase your ticket. It was there I made the following discoveries:
+ Despite the fact that travel insurance is offered with every RyanAir ticket, only UK and IE residents are actually eligible for coverage. (Read the residency requirements here and here.) The rest of us wouldn’t be covered, even if we’ve purchased the policy.
+ Many people are accidentally tricked into purchasing the coverage by failing to uncheck a box during the online booking process. If you have inadvertently booked travel insurance when purchasing your RyanAir ticket — or, if you now realize you are actually ineligible for the coverage you’ve purchased — you are entitled to a refund within 14 days of purchase and prior to the commencement of travel ONLY. From the RyanAir website:
If you are cancelling your policy within 14 days of purchasing it and you have not commenced travel, you should email Ryanair Direct at email@example.com.
Alternatively you can send a fax to +353 1 609 7902 or write to Ryanair Insurance Refunds Department, Phoenix House, 28 Conyngham Road, Dublin 8, Ireland with your refund request.
Please ensure you quote the Ryanair Booking Reference & flight details, full contact address for the booking and the names & policy numbers of the passengers who wish to cancel within your email.
If you do not fit the above criteria, no refund will be given.
All refunds will be processed to the original form of payment, within 7 days of Ryanair receiving the e-mail.
Still wondering whether or not it makes sense for you to purchase travel insurance? Check out my post To Travel Insure, or Not to Travel Insure? for a discussion of the costs and benefits of different types of policies for no-budget travelers.