Originally Posted by BRITINJAPAN3

I have never understood the recations to masks. I dont like wearing them but I do hwen i have a cold to avoid spreading germs around the world, and certainly wish the person I caught the cold from had been wearing one !!
Others wer them due to polution or to avoid hay fever, to avoid catching colds, avoid wearing make up......etc etc many reasons but no problems for you I think.

I agree its not Ryanairs problem, OP have insurance, why the hesitation to check if he can claim and then if he needs to he will know ?