Compare Travel Insurance in Italy

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What is Travel Insurance in Italy?

Travel insurance (assicurazione viaggio) in Italy protects you against the financial risks of a trip: medical emergencies abroad, trip cancellation, lost or delayed baggage, and 24-hour assistance. It is especially important outside the EU, where healthcare must often be paid for up front and can be extremely expensive. Policies are sold as single-trip cover for one journey or as annual multi-trip plans for frequent travellers.

How the Italian market works

Within the EU, Italian residents carry the European Health Insurance Card (TEAM/EHIC), which entitles them to public healthcare on the same terms as locals — but it only covers state care, not private clinics, repatriation or cancellation. Travel insurance fills those gaps, and for destinations like the USA it becomes essential because of very high medical costs. Cover is bought online, through agents, banks, and increasingly bundled with flights, tours or credit cards.

Key features

Assistenza sanitaria all'estero — emergency medical treatment abroad plus repatriation, with a massimale that should be much higher for the USA and other non-EU destinations.

Annullamento viaggio — reimbursement if you must cancel before departure for a covered reason such as illness.

Bagaglio — compensation for lost, stolen or delayed luggage, within set limits.

Covid coverage — many modern policies now include medical treatment and, sometimes, cancellation linked to Covid-19.

How to choose

Match the medical massimale to your destination — modest limits are fine within the EU where the TEAM/EHIC helps, but you want very high limits for the USA, Canada or other non-EU countries. Decide between single-trip and annual multi-trip based on how often you travel. Read the annullamento conditions closely, since covered reasons and franchigie vary a lot, and confirm whether Covid and any adventure or sports activities you plan are included.

Leading providers in Italy

Leading travel insurers include Europ Assistance Italia and ERV Italia, both specialists in travel and assistance, alongside AXA Italia, Generali Assicurazioni, Zurich Italia, Allianz Italia and UnipolSai Assicurazioni. The digital broker Prima.it also offers travel cover online with quick single-trip and annual options. Many Italians also hold travel benefits bundled with premium payment cards, though these often carry lower massimali and tighter conditions than a standalone policy.

What it costs

Premiums depend on destination, trip length, traveller age and cover level. A short single European trip can be very cheap, while cover for longer journeys, non-EU destinations with high medical massimali, or an annual multi-trip plan typically runs up to around €35 per trip or per year. Adding cancellation cover and higher medical limits for the USA increases the price.

Protections and regulation

Travel insurers and intermediaries are supervised by IVASS and appear on the RUI register. Remember that the TEAM/EHIC is a public-healthcare entitlement, not insurance — it does not fund private care, repatriation or cancellation, which is exactly why travel cover exists. Pre-contract DIP and set informativo documents disclose massimali, franchigie and exclusions, and complaints can be escalated to IVASS after the insurer's own process.

Common questions

Do I need travel insurance if I have the EHIC? Within the EU the TEAM/EHIC covers public care only; you still need insurance for private treatment, repatriation, cancellation and baggage.

Why is USA cover more expensive? American medical costs are very high, so policies require much larger medical massimali for the USA and other non-EU destinations.

Single-trip or annual? Single-trip suits an occasional holiday; annual multi-trip is cheaper overall if you travel several times a year.

Travel Insurance in Italy — FAQ