Beautiful beaches, culture-packed cities and a cuisine that’s the stuff of legends. Italy has so many ways to enjoy yourself! Our travel insurance for Italy covers over 100 different activities, with no upper age limits. So take us with you and start living la dolce vita.
What is Italy travel insurance and do you need it?
Heading off on an Italian getaway? From tranquil Tuscany to the buzz of Milan, Italy is a popular holiday hotspot. It’s the UK’s third most-visited destination after Spain and France.
Travel insurance offers valuable protection for Italian adventures. You need it because, although Italy is considered a safe country, mishaps can happen.
No one likes to think about medical emergencies, injuries or lost bags. But, with our best travel insurance for Italy, an unexpected event won’t derail your holiday.
Here’s why getting travel insurance for your trip to Italy is key:
- Repatriation cover: Famous for its chaotic traffic, Italy sees an average of 454 injury-inducing road accidents per day. Carrying the GHIC in Italy is sensible. But it won’t cover the cost if you’re injured and need to fly back to the UK. Medical repatriation from Italy could set you back around £10,500 or more. Our Italy travel insurance will cover your travel home.
- You can’t ski without it: Travel insurance is not a compulsory entry requirement to Italy. But there is one exception. Third-party liability insurance is mandatory if you plan to hit the slopes while in Italy. If you’re aged 65 or under, you can add winter sports travel insurance to any of our policies.
- Protect your valuables: Our Italy travel insurance will cover your personal belongings. Want to bring something particularly valuable? Take a look at our additional gadgets and valuables cover.
- Covers emergency medical costs: From Trieste to Messina, the 2023 European heatwave saw 23 Italian cities on red alert. The warnings meant the heat posed a threat to everybody, not just to vulnerable groups. Temperatures are only expected to increase in Italy. Soaring temperatures can lead to heat exhaustion and heat stroke so it is important to be protected for this type of medical emergency.
- Covers pre-existing medical conditions: We’ll consider all medical conditions, including diabetes, heart conditions, and cancer. And with no upper age limit, everyone can enjoy a holiday to Italy with InsureandGo.
- Help when you need it: Our 24-hour emergency assistance team will be available to call, day or night, if you need them.
Always check the latest FCDO advice for travel to Italy and make sure you read our policy wording. It provides full terms and conditions, including what is and isn’t included with our cover.
What does InsureandGo’s Italy travel insurance cover?
What’s covered?
Our travel insurance for Italy includes:
- Medical emergency expenses.
- Cover for cancellation of your trip.
- Our 24-hour emergency assistance team, available to call, day or night, wherever you are
- Over 100 sports and activities covered (see your policy wording for a full list of activities)
- Personal belongings and baggage cover.
- Personal money, passports and travel documents cover.
- Accommodation cover.
- Legal expenses cover.
What’s not covered?
There are some situations travel insurance will not cover. For example:
- You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
- Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
- All of our travel insurance policies include cover for cancellation of your trip. There may, however, be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go
Find out about our optional add-ons for activities like extreme sports, cruises and golf. Please note: Our winter sports add on cover is only available to those under 65.
We will consider all pre-existing medical conditions. Find out more about medical travel insurance.
The excess and amount of cover available varies depending on the level of travel insurance you buy. Check the policy wording to see the full terms and conditions.
The best travel insurance for Italy
Seeking action and adventure? Or something more serene? One size doesn’t have to fit all when you’re travelling to Italy. Holiday your way with our optional extras:
- Just the two of you? You’ll be in good company. Italy’s National Tourism Agency found that most people arriving in Italy by plane came in pairs. And, with its sensual food and romantic cities, who can blame them? Choose travel insurance for couples and it won’t just be the spaghetti you share with your partner.
- Exploring Italy by water? Sail the azure waters of Sardinia or the canals of Venice. Our cruise cover protects against cruise-specific mishaps. For example, cabin confinement, cruise interruption, and itinerary changes.
- Feeling sporty? Enjoy watersports on Lake Garda, or cycling in Tuscany. Our policies cover over 100 sports and activities at no extra cost. You can even get additional ski insurance or snowboarding cover if you want to hit the slopes.
- Enjoying your retirement? With more leisure time to travel, you can really soak up the Italian culture. Our seniors insurance makes sure age is no barrier to your travels.
- Is Italy just the start of your adventures? You might need Europe travel insurance or worldwide travel insurance, depending on how far you’re going.
Make sure you read our policy wording for more information on what is and isn’t included.
Choose a cover level to suit your travel needs
| Black | Gold | Silver | |
| Medical expenses and repatriation | Unlimited | £15 million | £10 Million |
| Cancellation and curtailment | £10,000 | £7,500 | £5,000 |
| Travel delay | Up to £650 | Up to £540 | Up to £450 |
| Personal belongings | £5,000 | £2,500 | £2,000 |
| Legal Expenses | £60,000 | £50,000 | £15,000 |
| Standard Excess | Nil | £50 | £60 |
How to book our travel insurance for Italy
It’s quick and easy to get travel insurance to Italy.
1. Let us know a little info
Tell us about your holiday, who you want to cover, and when you want the policy to start. We will also ask you about any pre-existing medical conditions.
You can do this online now or by calling our team:
2. Get your quote
You can either buy your insurance there and then, or buy at a future date.
Russell Wallace- Travel insurance expert
“Italy is an incredible destination. Cultural big-hitters like Venice, Rome and Florence attract the bulk of tourists. But there is so much to discover away from the crowds. Italy travel insurance lets you explore it all, not fret about stolen wallets or cancelled connections. You can focus on seeing the wonders of Italy, knowing you’re fully protected.”
Here’s what our customers have to say
Italy here we come
“When you have many medical problems it’s a long phone call to take out travel insurance cover. It’s makes it so much easier when there is a nice person the other end of the phone as there was today.”
– Chris
– Date of experience: 29 March 2024
Our reviews speak for themselves
There’s a reason over 60,000 Trustpilot reviews rated InsureandGo ‘Excellent’ or ‘Great’.
Travel insurance for Italy with pre-existing medical conditions
Travelling with a pre-existing medical condition can be a worry. The standard of healthcare in Italy is good, but it lags behind the UK in European league tables. In the latest Euro Health Consumer Index, Italy came 20th out of 35, and the UK 16th.
Our online medical screening process is simple.
You must disclose any and all medical conditions before buying your travel insurance. If you don’t, your policy may be invalid. To learn more, read our page about travel insurance for medical conditions. Or, take a look at our policy wording documents.
If you’d rather talk to someone instead, please get in touch with us.
Frequently asked Questions on Travel Insurance Italy
Do I need health insurance to travel to Italy?
Yes, you need travel insurance for Italy. The NHS advises that the GHIC is not a replacement for travel insurance. It recommends you take out private travel and medical insurance for the duration of your trip. Find out more about healthcare in Italy here.
Italy travel insurance means you’re covered for a range of issues, including:
- Medical expenses not covered by the GHIC
- Personal accident and liability
- Cancelling and cutting short your holiday
- Abandoning your trip
- Delayed departure
- Accommodation cover
- Personal belongings and baggage
- Personal money, passport and travel documents
- Legal expenses
Make sure your policy includes enough cancellation cover for your trip. If you have a pre-existing medical condition, you’ll need to declare it.
Like any destination, you should arrange quality travel insurance as soon as you book your trip to Italy.
Do I need travel insurance for Italy?
While travel insurance is not mandatory, it is compulsory to have ski insurance for Italy. As of 1 January 2022, all skiers must have third-party liability insurance. It’s not included in your ski pass, so you must buy it separately. If you don’t have it you risk a fine. If you’re aged 65 or under, you can add winter sports travel insurance to any of our policies.
Is healthcare in Italy free for UK citizens?
British citizens can apply for a free Global Health Insurance Card (GHIC) to use in Italy. The GHIC entitles you to some basic, state-provided medical treatment. This is on the same terms as Italian citizens. However, this coverage is limited and won’t cover all eventualities. It doesn’t cover private treatment or repatriation (being flown back home for medical reasons).
Insurance is highly recommended for UK citizens travelling to Italy. It can cover a wider range of medical expenses, including:
- Emergency medical treatment and hospitalisation
- Repatriation costs
- Non-emergency medical care (doctor visits, prescriptions)
No one likes to think of the worst-case scenario. But securing the best travel insurance to Italy lets you relax and enjoy your holiday.
How much does travel insurance for Italy cost?
Italy travel insurance tends to be cheaper than insurance for trips to places like the USA. Italy is generally considered safe for UK travellers. It has a lower risk of accidents or emergencies compared to other worldwide destinations.
Italy also offers basic medical treatment to UK visitors with a valid GHIC. While travel insurance to Italy is still recommended for more comprehensive coverage, the base cost of medical care is lower.
However, several other factors could impact how much you pay for your travel insurance to Italy:
- The level of cover you choose: At InsureandGo we offer four levels of cover. With Budget, Silver, Gold and Black, we’re sure to have a policy to suit you.
- Whether you want an annual or single trip policy: Heading to Italy just once? Single trip travel insurance could be more cost-effective. Taking several trips a year? Annual multi trip travel insurance could save you money.
- Any policy add-ons you need: Are you planning on doing any adventurous activities while you’re in Italy, such as skiing or watersports? If so, you might need extra cover.
- Any pre-existing medical conditions: Pre-existing medical conditions can impact how much your travel insurance to Italy costs. Existing health factors can increase your chance of needing repatriation, for example.
- Your age: Generally, travel insurance becomes more expensive as you get older.
- The length of your trip: In general, the longer you’re away from home the more you’ll pay for your policy.
Call our team on 0808 281 0594 or get a quick and easy quote online now.
Can I get assistance if I fall ill or injure myself while in Italy?
Yes. If you need emergency medical treatment in Italy, our 24-hour assistance team are always on hand to help you. All our travel insurance policyholders can contact our specialised team.
Do I need a visa to visit Italy?
No. If you’re a British citizen with a valid passport, you don’t need a visa to travel to Italy. For more information, and other entry requirements, read the advice from the FCDO.
Can I get a refund if I cancel my holiday to Italy due to a heatwave?
71% of UK adults believe many holiday destinations in the Med will be too hot to visit by 2028. But what if an upcoming holiday is affected by soaring temperatures? Refunds are up to your holiday provider, who you should contact directly. You may only be eligible for a refund if there is official advice not to travel.
Is it safe to travel to Italy during a heatwave?
Always check the latest FCDO advice for Italy before you travel. If it does not advise against it, it is safe to travel to Italy. Plan for the weather and take sensible precautions, such as staying hydrated in the shade.
Finding Italy too hot to handle? Discover the top 5 cooler destinations people are considering travelling to.
Does Italy travel insurance cover heatwaves?
Two thirds of people say recent scorching-hot summers have changed the way they plan to travel this year. It’s worth remembering that, unless the FCDO advises against travel to Italy, you cannot claim for choosing to cancel your trip. We’ll only consider claims for cancellation if your doctor declares you unfit to travel to a country having a heatwave. We review all claims on a case-by-case basis.
Who can buy an InsureandGo Italy travel insurance policy?
Our Italy travel insurance policies are available to UK residents. This means:
- Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
- They must be in the UK at the time of purchase
- All trips must start and end in the UK
Get a quote online or browse our policy documents for more information.
Travel insurance guides
Frequently asked questions
If you’ve got more questions about how our Italy travel insurance works, or more general travel insurance queries, have a read through our FAQs.
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