If you are covered properly with your Cr Card you should have received a brochure explaining exactly what your policy covers.
I know I am totally covered but I have a BOI Platinum card which costs €76 on top of the €40 Gov Tax pa. Cover is really good & it also covers spouse/live in partner & cardholders children up to age 23, once at least 50% of the holiday is paid for with the card.
BOI scrapped the other cover that was included on the basic card. Thought it was too confusing as people thought they were covered when in fact all they were covered for was time they were actually travelling eg duration of flight.
You need to check out exactly what your Travel Insurance covers with the issuer of your Visa. There should be a phone no on back of card. They should be happy to clarify for you. Better safe than sorry.