Book an annual multitrip with Gohop.ie good deal 39 euro for the year as long as your stay is less than 30 days at a time. They charge extra for winter sports, golf cover etc and you have to have vhi or bupa to avail of this rate otherwise it costs more. To include winter sports will cost you 69 in total.
If you got family several places offer annual cover for two adults and kids under 18 as a family unit for very low cost - www.getcover.com for example too.
I got cover from VHI (multi trip) for the year for myself and my boyfriend.
We urgently needed to get home from Rhodes because of a death in the family in June and they were very kind to us.