travel medical insurance italy

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Travel Insurance for an Italy Vacation (2024)

Planning a trip to Italy? You may want to purchase travel insurance. Learn about the benefits and options available to protect your vacation investment.

Nicole Leigh West is an experienced lifestyle journalist and writer for publications including Wanderlust, TripSavvy and Vacations & Travel. Along with roaming the globe and penning fiction novels, Nicole works for World Words as a sub-editor and writer.

Sabrina Lopez is an editor with over six years of experience writing and editing digital content with a particular focus on home services, home products and personal finance. When she is not working on articles to help consumers make informed decisions, Sabrina enjoys creative writing and spending time with her family and their two parrots.

From paying for medical expenses to reimbursing you for lost baggage, it helps to have a safety net for European vacations. When you purchase travel insurance for your Italy vacation, it includes trip cancellation, emergency medical evacuation and medical treatment in the event of unforeseen circumstances.

Below, we at the MarketWatch Guides Team discuss travel insurance requirements for visiting Italy, how much you might expect to pay and general travel tips.

Compare Italy Travel Insurance Companies

Use the table below to compare costs, CFAR coverage and COVID-19 coverage of travel insurance plans for Italy:

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Do I Need Travel Insurance for Italy?

There are no requirements for U.S. citizens to have travel or health insurance as a condition of entry to Italy for trips fewer than 90 days. This also includes the other Schengen countries in Europe, a region accessible via a Schengen visa for travelers subject to the requirement for longer trips.

Many business travelers and tourists choose Italy travel insurance for protection against unexpected costs. The best travel insurance includes coverage for trip cancellations and healthcare in emergencies.

From boating across the Mediterranean to hiking in Naples and water skiing along the Amalfi Coast, adventure sports are popular during Italian travel. A travel insurance policy offers medical coverage in the event of accidents.

Cancel for Any Reason Coverage

Whether you’re planning to visit Rome, Milan, Florence or Venice, cancel for any reason coverage (CFAR) gives you the flexibility to change your plans at your discretion. Alternatively, when you buy standard travel insurance coverage, you’re limited to predetermined reasons and exclusions.

Generally, acceptable reasons for trip cancellation coverage only include emergencies, such as hospitalization or the death of a family member. With CFAR, for example, you could cancel a trip to Tuscany for a friend’s wedding if it was called off and you’d prefer to change your travel plans.

While CFAR provides a lot of flexibility, it is still subject to rules and restrictions. These may include disclaimers such as time limits on when trips must be canceled by.

Gear Theft Protection

With so many sites to take in on your trip, from the Colosseum in Rome to picturesque vineyards, you’ll likely want to have your camera ready. You may also bring other valuables with you, such as a laptop, sports equipment or jewelry.

Whether it’s due to trip interruption or equipment damaged by a tour operator, gear theft protection helps to recoup your finances when items are stolen or lost. Depending on individual travel insurance company plans, there may be exclusions or predetermined reimbursement limits. Many travelers choose to leave precious valuables at home.

Medical Emergency Insurance and Emergency Medical Evacuation

If you require medical assistance, the U.S. State Department notes that hospitals in Italy are available but may not have the same standards as in the U.S. It also may be more difficult to find care outside of urban areas, and payment is typically required upfront. Therefore, travel medical insurance is recommended for U.S. citizens. Medicare and most private health insurance don’t apply overseas.

For those with pre-existing medical conditions , along with travelers dealing with health emergencies, medical costs can be significant. In the event of an illness or injury while visiting Italy, travel insurance for medical emergencies covers a range of expenses that typically includes the following:

• Hospital fees
• Operating room charges
• Ambulance services
• Dental emergencies

Most travel health insurance policies include emergency medical evacuation if local medical care isn’t available or you need to fly back to your home country. They also typically include repatriation if you pass away while abroad.

According to our methodology, the best travel medical insurance for Italy vacations is Travelex. Travelex is our pick for budget travel insurance and offers three policy tiers for Italy travelers to choose from. Read our in-depth Travelex review to learn more.

Rental Car Protection

If you prefer the freedom of a rental car to public transport, rental car protection is crucial. In Italy, you must have a collision and damage waiver, theft protection and fire and third-party liability insurance by law. This is typically included in rental rates.

Premium insurance policies may include additional safeguards such as:

• Personal effects coverage
• Personal injury insurance
• Roadside protection
• Tire and windshield protection

Standard travel insurance plans generally include rental vehicle excess coverage. This helps to recover the losses you’re liable for via excess for damaged or stolen cars.

Trip Cancellation Insurance

Trip cancellation insurance protects you against financial loss if unforeseen circumstances interrupt your travel plans. As a general rule, standard travel insurance plans reimburse you for nonrefundable and prepaid costs, subject to predetermined limits.

The following reasons generally qualify for trip cancellation coverage in the absence of CFAR premium insurance:

• Death of family members
• Hospitalization or serious injury
• Military orders
• Severe weather conditions delaying departure

How Much Does Italy Travel Insurance Cost?

The cost of travel insurance for Italy varies based on factors that may include your age, the destination and pre-existing medical conditions. The information you’ll need to request quotes from insurance companies includes the following:

• Ages and number of travelers in your group
• Destination country and location
• Total trip price

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to Italy. The below quotes are for a 30-year-old traveler from Florida, traveling to Italy for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

These quotes were collected in April 2024 for a trip in September 2024.

The quotes listed to help you determine the price of travel insurance were collected from each company’s website in May 2023. The cheapest policies for travel and health insurance plans to Italy include coverage for trip cancellation, medical expenses for emergencies, baggage loss or delay and emergency evacuation.

How Do I Get Travel Insurance for Italy?

The first step in getting travel insurance for an Italian vacation is to check your credit cards and current health insurance plans, as some offer coverage for travel. When you book your flights, most airlines offer travel insurance at the same time. Take note of the costs as they may be more expensive than other products.

It’s a good idea to compare prices and policy details from multiple travel insurance providers before making your decision. Remember to take into account personal factors, such as pre-existing medical conditions and activities you’d like to do. Automatic coverage doesn’t always apply.

Italy Safety Tips

Keep travel and safety tips in mind to ensure peace of mind while on vacation in Italy. Below are some basic recommendations.

Crime and Safety

The Italy Travel Advisory from the U.S. Department of State is currently at Level 2: Exercise Increased Caution. This is due to an increased risk of terrorist plots that may result in attacks at tourist locations, government facilities and shopping malls. It’s recommended that you monitor local media for information.

Typically, Italy doesn’t present major crime or safety issues. As with most destinations, it’s important to remain aware of your surroundings at popular tourist destinations and in large cities. Pickpocketing and other petty crimes do occur, so make sure to have valuables stored somewhere safely.

Day Trips, Tours and Excursions

Italy is home to fascinating historical sites, beautiful beaches and exciting cities. Taking tours is an excellent way to explore the country. If you participate in adventure sports, ensure your travel insurance policy covers you for any related accidents or injuries.

It’s important to book your excursions and day trips through reputable tour organizations. Travel agents and hotel concierges offer recommendations. You can find more information on the official Italy tourism site .

According to the Italian government , there are no coronavirus restrictions in place for entry or travel around Italy. Check with local authorities with regard to any changes or updates.

Is Travel Insurance For USA to Italy Worth It?

It’s not mandatory to purchase travel insurance to visit Italy. Most leisure and business travelers choose to purchase insurance in order to cover unexpected medical costs and protect their trip investment against unexpected cancellations. The U.S. government recommends travel insurance as medical expenses aren’t covered by insurance that’s applicable at home.

Travel insurance is worth it to ensure peace of mind while traveling and to protect yourself from financial loss in the event of unforeseen incidents. We recommend that you get a quote from multiple providers to find the best deal on trip insurance.

Frequently Asked Questions About Travel Insurance for Italy

Can i claim flight compensation.

In order to claim flight compensation through your airline, you will need to check their policy. Many airlines will not compensate for delays, and there may be certain requirements to be compensated for a cancellation. Travel insurance for Italy offers the best protection against financial loss if your flights are canceled since it also refunds other costs associated with your trip.

What type of travel insurance do I need for Italy?

It’s not compulsory to have travel insurance for Italian vacations. However, unexpected medical costs may be expensive. Therefore, medical insurance is recommended, along with trip cancellation coverage.

Do Americans get free health care in Italy?

No, Americans do not get free health care in Italy, though emergency medical assistance is provided to anyone in need of it. To avoid expensive upfront costs, medical travel insurance is recommended.

Do all credit cards have travel insurance?

No, not all credit cards provide travel insurance. Those that offer travel rewards typically include a level of travel insurance with the benefits. Check the policy details to determine if it’s suitable for your travel needs.

Our Travel Insurance Provider Rating Methodology

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have questions about this page, please reach out to our editors at [email protected] .

More Resources:

Travel Insurance for Italy (What You NEED to Know Before You Go)

From who needs it to where to get italy travel insurance, here's what to should look out for.

Planning a dream trip to Italy? You may need travel insurance. I know, I know, the last thing you want to do is think about something going wrong. But when dealing with so many variables: flights, car rental, hotels, and tours, anything can happen. Accidents, theft, and cancellations have the potential to ruin what was supposed to be a well-deserved getaway. This is why many people choose to purchase travel insurance when traveling to Italy, Europe, and beyond!

Do you need travel insurance to visit Italy?

If you require a Schengen Visa to enter Italy, it is mandatory to have valid travel insurance to apply for an Italian visa. If you can travel to Italy without a visa, travel insurance is not required, but can provide added peace of mind. However, if you’re applying for a long-term visa, such as a Work or Student visa, international health insurance may be required instead of travel insurance.

Insurance requirements for Italy travel visas

Since Italy is a member of the Schengen, your insurance policy needs to meet the Schengen travel insurance requirements. This means it must be valid throughout the entire Schengen Zone and cover at least €30,000 in medical expenses. Additional coverage can be purchased for further protection.

Where can you get travel insurance for Italy?

You can purchase travel insurance for Italy by:

• Going directly to a travel insurance company – this is the popular option, as most companies operate online, allowing you to choose and purchase a plan from the comfort of your own home. World Nomads offers Schengen travel insurance that is accepted by Italian Embassies and Consulates.
• Travel insurance brokers – there are many online services that offer plans from various insurance companies where you can compare prices and choose travel insurance that meets your requirements.
• Tour agency – some tour companies offer complimentary travel insurance plans, but be sure to read the policy carefully before signing up to ensure you are adequately covered.

How to provide proof of Italy travel visa insurance?

When you purchase a Schengen travel insurance plan from World Nomads , you will receive an Insurance Certificate or Letter that you can download and print out. You must send this, along with the other required documents, to the Italian Embassy or Consulate.

Is having travel insurance important when traveling to Italy?

Travel insurance adds a safety net, protecting you from unexpected costs that could arise during your trip. For example, if you have an accident that requires medical attention while in Italy, travel insurance will reimburse your medical bills. Additionally, if you have trip disruption coverage and need to cancel or cut your trip short due to circumstances beyond your control, travel insurance could reimburse a portion of your prepaid expenses such as hotel and flight tickets.

What can Italy travel insurance cover?

Italy travel insurance plans can provide coverage for the following:

• Medical emergencies: If you encounter an accident or suddenly fall ill while in Italy, travel health insurance can cover the cost of medical treatment. However, you’re only covered for emergencies and accidents, not treatment for pre-existing conditions.
• Evacuation or repatriation: If you become seriously ill while in Italy and require evacuation out to your home country or elsewhere, evacuation coverage will cover the cost of the air ambulance. Repatriation coverage, on the other hand, refers to the transport of remains in the event of death.
• Optional coverage: In addition to travel health insurance, many insurance companies offer additional coverage, such as reimbursement for trip disruption, loss or damage of personal belongings, and liability insurance. However, these additional services come at an extra cost.

What are some things should you consider when choosing travel insurance for Italy?

When selecting the best travel insurance plan for Italy, consider the following factors:

• Policy maximum: This refers to the maximum amount of money that an insurance company will cover for medical expenses during your trip. In order to obtain a Schengen visa, you need insurance with a policy maximum that’s at least €30,000 or more.
• Coverage details: Most insurance companies provide detailed explanations of their plans on their website. Ensure you read about how much they will cover for each item and under what circumstances.
• Exclusions: Be aware of what the company will not cover, such as accidents resulting from driving under the influence and injuries due to adventurous activities.
• Schengen requirements: If you need a visa to visit Italy,  make sure you choose travel insurance that meets all Schengen requirements. Otherwise, it may result in the Italian Embassy/Consulate rejecting your visa application.
• Claims process: Ensure you understand the claims process before leaving, including how to file a claim, the required documents, and whom to contact.
• 24/7 assistance: Confirm if your insurance company has a 24/7 customer service line or if you have someone to reach out to during your stay in Italy.

What is the cost of travel insurance for Italy?

The cost of travel insurance for Italy varies as it depends on a few factors.

• The type and amount of coverage you choose will affect the cost, for example, policies that over coverage up to €30,000 will cost less than those with a maximum of €50,000 or €100,000.
• Your age is also a contributing factor. If you’re over 60, you will pay more due to increased risk.
• Additionally, the duration of your trip impacts the cost, with longer trips resulting in higher health insurance policy prices.
• On average, for a seven-day trip, you can expect to pay between €20 and €30 for travel health insurance for one person.

World Nomads provides travel medical insurance premiums for different durations of travel in the Schengen area and beyond. For more information, visit World Nomad’s website and create a free quote for your trip.

How to file a travel insurance claim

There are two methods for filing a travel insurance claim:

• Direct billing: In Italy, some hospitals will charge the travel insurance company directly for medical treatment without you having to pay anything. However, not all hospitals offer this option, and insurance companies typically have a network of hospitals that can bill them directly. Before you travel, it’s a good idea to confirm which hospitals are included in this scheme before receiving treatment.
• Reimbursement: You can choose to pay for your medical treatment upfront and then submit the bill to the insurance company for reimbursement. Remember, it’s essential that you keep all your receipts and prescriptions for medication, police reports for lost or stolen belongings, and proof of canceled flights.

Do US, Canadian, and Australian Citizens need travel insurance for Italy?

Although it’s not mandatory for US, Canadian, and Australian citizens to have travel health insurance for Italy, it can offer an extra layer of protection. Schengen Plus, Universal by Mutuaide, and Gold/Platinum by AXA are some of the travel health insurance plans that offer not only the mandatory insurance certificate required for an Italian visa but also extended coverage for Italy, all Schengen area members, EU countries, and the UK.

Is healthcare expensive for tourists in Italy?

Tourists without travel health insurance in Italy will have to bear the full cost of treatment themselves. While minor emergencies may not be too expensive, significant treatments like surgeries can quickly become costly.

It’s important to note that emergency services are not free of charge. There have been anecdotal reports of tourists not being charged anything for emergency services, but this is more likely because the incident was minor, and the clinic or hospital was not equipped to charge a tourist.

In any case, it’s always better to assume that you will have to pay for any medical treatment you receive in Italy. Italian citizens pay taxes that fund the country’s healthcare system and receive medical treatment mostly free of charge, but tourists do not benefit from this system and are subject to full costs.

Who should you call in an emergency situation in Italy?

In Italy, the following emergency numbers can be used:

• 118 for medical emergencies
• 113 for general emergencies (similar to 911 in the USA),
• 112 for national police (Carabinieri)
• 115 for the fire department

It’s also a good idea to note down the contact details of your country’s Embassy or Consulate in Italy.

Using EHIC vs. Getting travel insurance in Italy

Although an EHIC can provide medical attention in Italy for EU nationals in the same way as Italian citizens, it is not a substitute for travel insurance. The charges and co-pays for medical attention will still apply unless the individual has travel health insurance. Additionally, EHIC does not cover private healthcare, evacuation, trip disruption, liability, etc. It should also be noted that many Italian citizens have private health insurance.

Climate and health precautions in Italy

Italy is hot and very dry during the summers while winters can get quite cold and wet. Temperatures in Southern Italy reach 40°C in the peak of summer, making sightseeing exhausting so make sure you stick to the shade or spend that hottest part of the day indoors at a museum or poolside. During winter, do as the Italians do and ‘ vestirsi a cipolla ’ (dress like an onion), wearing several warm layers of clothing means you can stay comfortable when you’re going indoors and outdoors.

Get my complete guide to the best times to visit Italy which includes money-saving tips and ways to avoid crowds.

Car insurance for driving in Italy

A separate international car insurance plan is needed to cover Italy and other Schengen countries when driving to Italy. It’s important to note that regular travel insurance does not include car insurance. Your car insurance from your home country is also not valid in Italy either,  unless you are from an EU Member State. It’s also essential to check if your driving license and license plates are valid and accepted in Italy.

7 things to know before traveling to Italy

• Restaurants located near tourist attractions and popular landmarks tend to be overpriced, crowded, and offer poor-quality food.
• Italians tend to eat dinner late, so many restaurants will not open before 7 pm.
• A Coperto charge is paid when sitting down for a meal at a restaurant, usually ranging from €1 to €5 per person.
• Tickets for trains or buses should be validated at one of the machines at the station to avoid a fine.
• Carrying both cash and a card is advisable for smaller purchases.
• Electronic devices from the USA will need adapters and converters due to different plug shapes and voltages.
• Finally, booking tickets for landmarks in advance can save time and avoid long queues.

Don’t miss my complete guide to  Italy travel tips that will save you time, money, and disappointment.

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Do I need travel insurance to visit Italy?

Our top picks for the best italy travel insurance, how much does travel insurance for italy cost, what type of travel insurance do i need for italy, where do i get travel insurance for italy, how to choose the best travel insurance for italy, italy travel information & requirements, tips for traveling to italy, faqs - travel insurance italy.

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Best Italy Travel Insurance: Plans, Cost, & Tips

• Based on our research, our top picks for Italy travel insurance come from Generali Global Assistance , Tin Leg , Travel Insured International , AXA Assistance USA , and IMG Global ( skip ahead to view these plans ).
• Travel insurance can protect the financial investment you made in your trip by helping you get reimbursed for prepaid travel expenses when something goes wrong.
• This type of coverage can also pay for emergency medical care you require overseas, as well as emergency evacuation to a nearby hospital or even your home country.
• While any type of travel insurance is better than nothing, you should strive to purchase a plan that includes travel health insurance, trip cancellation insurance, trip interruption coverage, baggage insurance and more.
• We recommend using an online comparison tool to find the right travel insurance for your trip to Italy. This way, you can compare multiple quotes and get a clear overview of the options available.

Our top picks for the best italy travel insurance

• Tin Leg: Best for Medical Coverage
• Generali Global Assistance: Best for Basic Overall Coverage
• Travel Insured International: Best for Non-Medical Evacuation Coverage
• AXA Assistance USA: Best for Trip Cancellation Coverage
• IMG: Best for Last-Minute Coverage

Generali Global Assistance

Travel insured international.

It is not mandatory to purchase travel insurance for Italy. However, traditional U.S. health insurance plans do not work in Italy , neither do government-sponsored plans like Medicaid or Medicare. Travel insurance will cover unexpected medical costs and protect your trip costs against unforeseen cancellations.

Reasons you should get travel insurance for Italy

Pickpockets & petty crime

As seen in the US Department of State guidelines , pickpocketing and petty theft can be commonplace throughout major Italian cities, especially in areas where vast crowds gather or spots frequented by unassuming tourists. It is also not unheard of for thieves to use mopeds as a means of snatching valuables from unsuspecting tourists.

Travel insurance can reimburse you for any stolen, lost, or damaged personal items if you become a victim of any incident of theft or pickpocketing.

Risk of injuries

Italy is known for its numerous cobbled streets, historical sights, and winding vineyard trails. No visit to the land of Ancient Rome and wine would be complete without a visit to such places, but it’s not without its risks. An unforeseen roll of the ankle on a vineyard valley path or a broken toe on the cobblestones of Rome could have you heading straight for the Emergency Room.

Medical travel insurance can cover you for any injuries, illnesses, or accidents you encounter during your vacation to Italy.

Terrorist threats

Although the risk of terrorist attacks is seen as low in Italy, much like neighboring European nations, Italy is on alert for terrorist activity . With the recent rise of Islamic extremism across Europe, possible terrorist attacks are possible across Italy’s major cities.

Many travel insurance policies can cover you for emergency evacuations, emergency medical assistance, cancellations, or interruptions due to terrorist activities.

Earthquakes & volcanic activity

Italy is located on the tectonic plate boundary of the Mediterranean Sea, and although rare, it’s important to account for Italy’s elevated risk of earthquakes and volcanic activity. This can include a risk of injury as well as ruined plans or lodgings due to a natural disaster.

Travel Insurance can cover you for medical treatment or reimburse you for trip disruptions and cancellations due to reasons like natural disasters.

Best for Medical Coverage

Why we like it.

Editor's take

Tin Leg is known for offering high-quality travel insurance coverage at a competitive, reasonable price.

All Tin Leg policies have an A- rating or better for their financial strength from AM Best. We like the Tin Leg Gold plan because it offers great medical and evacuation coverage limits at an affordable price.

This plan comes automatically with trip cancellation and interruption coverage for coronavirus and other covered instances, as well as up to $500,000 in emergency medical expense protection and up to $500,000 in coverage for emergency medical evacuation, just in case something were to happen while on your Italy trip.

You may also qualify for travel delay protection, baggage insurance, and insurance that protects against missed connections on your way to Italy.

Read our full review

• Excellent primary coverage for medical expenses
• High limit for emergency evacuation coverage
• Optional cancel for any reason (CFAR) coverage available
• Comes with coverage for hurricanes and inclement weather
• Coverage for pre-existing conditions is available if purchased within 14 days of the trip deposit
• Baggage delay coverage requires a 24-hour waiting period
• Low coverage limits for baggage and personal effects

Best for Basic Overall Coverage

Generali Global Assistance offers high coverage limits for medical expenses, emergency dental expenses, emergency medical evacuation coverage, and more for your trip to Italy.

This travel insurance provider offers three tiers of travel insurance coverage to suit your needs:

• Standard plan
• Preferred plan
• Premium plan

If you’re looking for basic coverage at an affordable price point, the Standard plan may be just what you need. This plan offers coverage for up to 100% of the insured trip cost for cancellation and up to 125% of the insured trip cost for interruption. It also offers $1,000 per person in baggage coverage, up to $50,000 in medical coverage, and $250,000 in medical evacuation coverage.

This plan can help ensure you and your traveling companions are covered in case something would happen on your travels to and around Italy.

• Lowest cost of all Generali Global Assistance plans
• 24/7 emergency travel assistance included
• Telemedicine included
• Lower coverage than other Generali plans
• Pre-existing conditions are not covered by the Standard plan
• No coverage for accidental death and dismemberment during on-land travel

Best for Non-Medical Evacuation Coverage

Travel Insured International offers two plans, Worldwide Trip Protector Edge and Worldwide Trip Protector. Of these two, we recommend the Worldwide Trip Protector plan for your trip to Italy due to its superior coverage.

Worldwide Trip Protector covers 100% of the insured trip cost due to cancellation, 150% of the insured trip cost due to interruption, as well as $1,500 for trip delays and $500 for baggage delays after only 3 hours. It also includes $100,000 worth of secondary medical coverage and $1 million worth of evacuation coverage. it also offers $150,000 worth of non-medical evacuation coverage, which provides transportation during a natural disaster or during civil or political unrest.

• Travel delay coverage kicks in after just six hours
• Generous $150,000 non-medical evacuation coverage
• CFAR and IFAR coverage not included
• Baggage delay coverage only kicks in after 12 hours
• No rental car coverage

Best for Trip Cancellation Coverage

Axa assistance usa.

Since AXA Assistance USA offers three coverage levels, you can tailor your policy for Italy to suit your needs and budget. These levels are:

We recommend the Platinum plan from AXA Assistance USA for your trip to Italy because it includes trip cancellation coverage worth up to 100% of non-refundable travel expenses and $1,250 in travel delay coverage. It also offers $1 million in medical evacuation protection, $250,000 in insurance for medical expenses, $100,000 in coverage for non-medical emergency evacuation, and more.

• High coverage limits in every category. Extremely comprehensive
• Includes identity theft coverage & non-medical evacuation coverage
• CFAR coverage reimburses 75% of prepaid travel expenses
• Coverage cannot be extended unlike other plans
• Medical limit is lower than other cheaper plans, but still sufficient

Best for Last-Minute Coverage

We like IMG Global because it offers a variety of plans you can purchase up until the day before you depart for your trip to Italy.

The iTravelInsured Travel SE plan comes with plenty of benefits for families and groups who need to secure coverage for an affordable price. Individuals up to the age of 99 can purchase a plan.

This plan will cover trips lasting up to 180 days, meaning you can spend almost 6 months at your destination and be covered the entire time. It includes trip cancellation coverage worth up to 100% of the trip cost and travel interruption coverage worth up to 150% of the trip cost. Other coverage benefits include up to $2,000 for trip delays, up to $250,000 for emergency medical expenses, and up to $500,000 for emergency evacuation and repatriation of remains.

• Purchase your plan up until one day before you depart
• Generous limits for trip delays, emergency evacuation, and more
• Pre-existing condition waiver available if purchased within 20 days of initial trip deposit
• Coronavirus-related medical expenses covered
• Plan gets notably more expensive with age

According to official sales data from Squaremouth , travel insurance for Italy is around $350-$400.

Based on our official sales figures over the past year, our customers’ average travel insurance cost is £214.17, for an average trip length of 26 days.

Comprehensive travel insurance typically costs around 5-7% of your total trip cost, however Medical-only travel insurance can cost as little as $1 per day.

In the table below you can see examples showing comprehensive Italy travel insurance costs based on a $6,000 seven-night trip to Italy in September of 2024 for two 40-year-olds.

The cost of travel insurance for a trip to Italy depends on a variety of factors, including the age of the people traveling, the length of the trip, the total cost of the trip, and the type of coverage included in the plan. Therefore, actual costs for your trip will vary.

One of the biggest factors that affect your overall insurance costs is the types of coverage included in the plan. Higher rates of emergency coverage and emergency evacuation coverage can raise the price. Also, added extras such as sports and activities cover, rental car damage or hurricane and weather cover can all increase the overall cost of your plan.

Due to the far distance and expensive cost of trips to Italy, we recommend opting for a comprehensive travel insurance plan that covers medical emergencies, medical evacuations, trip delays, cancellations, interruptions, and more.

Travel insurance policies can be broken down into two main categories:

• Medical-based travel insurance 

Comprehensive travel insurance

What your travel insurance plan for Italy covers will all depend on the type of policy you purchase.

Medical-based travel insurance

Medical-based travel insurance is the most basic level of insurance you should purchase for your trip to Italy as US health insurance (including Medicare and Medicaid) will not work while you are traveling in Italy. Policies only offering medical coverage are also the cheapest forms of travel insurance you can buy.

Medical-based travel insurance policies usually cover two separate coverage limits for medical emergencies and emergency medical evacuations:

• Emergency medical insurance: At the very minimum, we recommend purchasing a travel insurance policy that covers medical emergencies. This type of coverage will protect you should you require any hospital treatment such as blood tests, IV fluids, and other types of medical care during your trip.
• Medevac insurance: Having medical evacuation insurance will ensure you are covered should you need to be transported to the nearest suitable medical facility in an emergency.

Medical-only plans will typically not cover things such as non-medical trip cancellations or trip cost reimbursement. If you want this coverage, you should opt for a comprehensive travel insurance plan.

By comprehensive travel insurance we refer to plans that cover medical-related travel issues like accidents and injuries as well as reimbursing you for things like delays, trip cancellations , interruptions, lost baggage, and more.

When you purchase your travel insurance plan for Italy, you will have the option of choosing plans that reimburse you for trip expenses and plans that don’t. To buy a comprehensive travel insurance plan, always select plans that reimburse your for trip costs.

Optional add-ons

Some travel insurance policies for Italy will offer to cancel for any reason (CFAR) insurance . With this type of coverage, you can cancel your travel plans for any reason at all and still get back around 50% to 75% of your prepaid travel expenses. Including CFAR insurance within your plan will allow you far more flexibility and peace of mind should you change your travel plans.

You can purchase travel insurance for trips to Italy online or in person.

Here are some of the best places to find a travel insurance policy for your trip to Italy:

• Travel insurance company: Major travel insurance companies like AXA Assistance USA, IMG and Seven Corners all let you buy travel insurance directly from their websites. All you have to do is enter your trip information to get a quote, and you can pay for coverage online and have it in place before your trip.
• Insurance comparison site: You can also use a site like Squaremouth to compare multiple travel insurance policies in one place. This platform lets you enter your information once to save time, and you can compare pricing across multiple companies before you buy.
• Travel agent: You can also work with a travel agent to set up a travel insurance plan. They can advise you on the types of coverage you need and help you compare prices across multiple providers and plans.
• Tour companies: You may also be offered travel insurance through your airline, cruise line or tour company. These policies can be somewhat limited, however, so you’ll want to compare them with comprehensive travel insurance policies from major providers before you buy.

The following tips can help you find the best travel insurance policy for your needs and budget.

Compare multiple providers and policies.

The best way to find the right policy involves shopping for plans from at least three travel insurance companies. From there, you’ll also want to compare multiple policies from each company based on the amount of coverage you need.

Look at coverages and policy limits.

As you compare plans, make sure you’re looking at the types of coverage you get and the total limits for each. After all, some plans have incredibly low limits for medical expenses or medical evacuation, and these low limits can leave you financially vulnerable.

Decide if you want the option to cancel for any reason.

If you want to be able to cancel your trip to Italy for any reason at all, consider plans that let you add on optional CFAR coverage. You’ll pay more for these plans, but you’ll get 50% to 75% of your prepaid travel expenses back if you decide you can’t go.

Think over your unique needs.

Finally, consider what you need the most from travel insurance before you buy. If you have a pre-existing condition, for example, you’ll want to check your plan comes with a pre-existing conditions waiver and that you know what it takes to qualify.

Is Italy in the Schengen area?

Italy is located in the Schengen area, which is made up of 27 European countries that allow free travel between them. This makes it easy to visit several different countries during your travels overseas. For example, you could visit Italy for part of your trip, then take a train or quick flight to other Schengen countries like France or Spain.

Do I need a visa or passport to visit Italy?

While tourist visas are not required if you’re planning to visit Italy for less than 90 days , you will need a passport to enter the country.

Your passport must be valid for at least three months beyond your planned departure date from the Schengen area, although Italy recommends having a minimum of six months of validity. You’ll also need to have two empty passport pages to receive an entry stamp.

Beginning in 2024, Americans traveling to Italy will need to fill out a European Travel Information and Authorization System (ETIAS) application and pay an entry fee of $8 to visit Italy and other European countries that are co-signers of the Schengen Agreement.

Digital nomad visa for Italy

As of March 2024, Italy has released a new digital nomad visa . This visa will allow skilled workers from non-EU member states to stay and work in Italy for a whole year. Skilled workers are defined as those who have an annual income of at least three times the minimum level required for exemption from participation in healthcare costs in Italy - this is around $30,000.

As travel health insurance seems to be the biggest stipulation for being granted the visa, you should ensure you take out a robust plan that will cover the entirety of your stay in Italy.

Are there still COVID-19 restrictions in Italy for U.S. visitors?

While Italy once had some of the most stringent COVID-19 restrictions for travelers wanting to visit from overseas, all requirements have since been dropped. This means you can visit Italy with or without a coronavirus vaccine, and you no longer need to be tested for COVID before your trip. Since the pandemic, the vast majority of travel insurance plans now include COVID-19 coverage as they would cover treatment of any other illness.

Tipping is not obligatory

Unlike much of the US, most staff in the Italian service industry don’t rely on tips to get by. Although it’s always a nice gesture and appreciated, don’t feel obligated to tip every time you sit down in a bar or restaurant.

In August many places close down

With temperatures regularly climbing as high as 35C, Italians often collectively choose the month of August to go on vacation. During the mid-August holiday of Ferragosto, numerous Italians will vacate the heated cities and head for the coasts en masse. Throughout the peninsula’s popular coastal vacation spots, prices may rise, crowds increase and the city’s interiors may become fairly empty. It’s therefore important to book your accommodation well in advance if you plan to travel to Italy during the summer months.  

Italian meal times

Italy and Italians are not only famous for their food but also for their food-related rules. ‘No cappuccino after 11 am’ is arguably the most well-known, yet there are other food culture norms such as Aperol spritz is considered a pre-dinner cocktail and limoncello is regarded as an after-dinner drink. Expect to dine later than you would back home, lunch takes place around 1 pm and dinner rarely begins before 8 pm. Familiarizing yourself with these little nuances can help you get the most out of your of trip to Italy.

Am I required to have travel insurance to visit Italy?

Italy does not require international visitors to have travel insurance unless they need a Schengen visa. However, this doesn’t mean you shouldn’t have coverage that protects the financial investment you made in your travel plans.

Am I required to have health insurance to visit Italy?

Italy does not require those traveling to the country without a Schengen visa to have health insurance. However, not having travel insurance with adequate coverage for medical expenses means you’ll have to pay for the medical care you receive out-of-pocket.

Do US citizens get free healthcare in Italy?

U.S. citizens do not get free healthcare in Italy. This is yet another reason to get international travel insurance before your arrival.

How much is travel insurance for Italy?

Based on our estimates, travel insurance for a $6,000 trip to Italy for two 40-year-olds may cost between $250 and $380.

How much is a hospital visit in Italy?

The cost of a hospital visit in Italy varies dramatically based on the type of care you receive. If you want to avoid surprise bills during your trip overseas, your best bet is to have travel insurance with medical coverage in place before you go.

Holly D. Johnson is an award-winning personal finance writer who covers topics like insurance, investing, credit and family finance. As a leading voice in the travel and loyalty space, Johnson has traveled with her family to more than 50 countries over the last decade.

The author has also written extensively on the power of household budgeting, and she even co-authored a book on the topic. Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love was originally published in 2017, and it teaches families how to use zero-sum budgeting to reach their financial goals. She is also the co-owner and founder of the family finance and travel website, ClubThrifty.com.

Johnson’s 10+ years of writing have focused on helping families make important financial decisions at each stage of their lives. The author also applies the financial principles she teaches to her own life, and she is currently on track to retire in her late 40’s with her partner. She currently lives in Central Indiana with her husband and children, and she is a regular contributor for Bankrate, CNN, Forbes, U.S. News and World Report Travel and many other notable publications.

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Travel Insurance for Italy

Travel Team | Apr 12, 2024

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Italy, with its rich history, vibrant culture, and picturesque landscapes, is a dream destination for many travelers. From the ancient ruins of Rome to the romantic canals of Venice, each corner of this Mediterranean gem holds a story waiting to be discovered. While the prospect of savoring authentic pasta in Rome or gazing at the artistry of Michelangelo in Florence is exciting, it's equally important to address the 'what-ifs' that may arise during your travels. In this article, we’ll dive into your options for Italy travel insurance, the requirements that come with traveling to Italy, and offer destination-specific travel tips that can ensure a safe and relaxing trip.

Should You Buy Travel Insurance for Italy?

Travel insurance is always recommended for Italy and other international destinations. Your domestic health insurance often does not cover you in another country, potentially leaving you with costly medical bills if you get sick or hurt in bella Italia. Plus, you never know when an unexpected event could put the money you spent for your trip — from flights and gondola rides to hotels and opera tickets — at risk.

Do I Need Travel Insurance for Italy?

Travel insurance is not required to travel to Italy (unless you require a Schengen Visa), but it is a good idea to have. Let’s get some more information on travel insurance and why it could be beneficial to get before your Italian getaway.

Travel Insurance Requirements for Schengen Visa Holders

If you need a Schengen Visa for your trip to Italy, you must have valid travel insurance. However, if you can travel to Italy visa-free, then travel insurance is not mandatory – although it is strongly encouraged.

If you are applying for a long-term visa to Italy (such as a Work or Student visa), you may need international (expat) health insurance rather than travel insurance.

You can find more on these requirements here .

Italy Travel Insurance Coverage Options

Seven Corners offers a variety of plans that meet most travelers’ needs, whether you’re traveling internationally or in your own country.

Coverage options can differ depending on the plan you choose, the specific benefits and add-ons you select, and your state or country of residency. Check out some travel insurance benefits found in many of Seven Corners’ plans to help protect you during your trip to Italy.

Trip Cancellation

Seven Corners could reimburse you for the prepaid, nonrefundable trip expenses you insured if you have to cancel your trip for a covered reason.

What are covered reasons?

These can include triggers such as an illness that prevents you from traveling or inclement weather, like a hurricane, that makes it impossible to get to your destination.

For the flexibility to cancel your trip for any reason, not just those listed in your plan document, consider adding optional Cancel for Any Reason (CFAR) coverage .

Trip Interruption

An interruption often means you ended your trip and returned home early, but it can also include needing to start your trip late.

If you need to interrupt your trip for a covered reason, you could be reimbursed for the prepaid, nonrefundable trip expenses you didn’t use. When your trip interruption causes you to have additional transportation expenses, this benefit covers those expenses, too.

For more flexibility to interrupt your trip and still be reimbursed, consider adding optional Interruption for Any Reason (IFAR) coverage . This allows you to interrupt your trip for any reason, not just the covered reasons listed in your plan document. Maybe you’re feeling unsafe at your destination and decide to return home or move to your next destination early, or you might simply change your mind about travel, so you end your trip early. IFAR can help.

This benefit can cover expenses resulting from a delay, whether you’re on your way to Italy, returning home, or even in the middle of your trip. To be reimbursed, the trip delay must be caused by a covered reason, such as a flight delay lasting the required amount of time.

Lost or Delayed Baggage

Seven Corners will reimburse you to replace necessary personal belongings if your baggage is delayed by your airline or other common carrier on your way to Italy. Necessary personal items include things like clothing or toiletries — the things you need most so you can continue on your trip.

If your baggage is lost, delayed, damaged, or stolen during your trip, your travel insurance could pay to replace or repair the insured items.

For both lost and delayed baggage, it’s important to remember that there are some requirements and exclusions. For example, some items such as laptops and jewelry may not be covered, and your luggage must be delayed for the length of time stated in the plan before you are eligible for reimbursement.

• Travel Medical

Travel medical insurance can cover expenses for medical treatment if you get sick or hurt during your trip. This is particularly important for travelers whose domestic health insurance does not provide coverage overseas.

Seven Corners Trip Protection plans provide coverage for Emergency Accident and Sickness as well as Emergency Dental expenses. We also provide a variety of travel medical plans with robust medical coverage for both U.S. and international residents, and annual plans for frequent travelers that provide medical coverage for multiple trips throughout the year.

Emergency Medical Evacuation and Repatriation

If you are injured or become ill during your trip to Italy and adequate care is not available, Seven Corners will arrange an emergency medical evacuation to a medical facility that can provide treatment if it is deemed medically necessary. We will also arrange your return home so you can continue recovering.

Accidental Death and Dismemberment

This Seven Corners benefit provides coverage for loss of life or limb resulting from an injury caused by an accident during your trip to Italy.

What Is The Best Travel Insurance for Italy?

Seven Corners Trip Protection is our most popular plan for U.S. residents traveling to Italy. With this plan, you’ll find coverage to protect your trip expenses, belongings, and emergency medical expenses. We also offer an annual trip protection plan for multiple trips, perfect if you travel frequently to Italy or anywhere else in the world.

Seven Corners Travel Medical Insurance provides great levels of confidence for travelers headed to Italy whether you’re a U.S. or non-U.S. resident. These plans offer robust coverage for medical expenses if you get sick or hurt during your trip, so you can get the care you need without having to worry about how you’ll pay for it.

Finding the best travel insurance for your special trip to Italy is easy. Answer a few simple questions on our interactive guide and we’ll show you the best options for you and your trip. Plus, there’s no commitment or hassle when you get a quick quote. If you need additional support, you can also contact our licensed agents and be more confident you’re choosing the best travel insurance for an Italian vacation.

How Much Does Travel Insurance to Italy Cost?

How much travel insurance costs varies depending on the plan you choose as well as a number of other factors. The cost of trip protection plans is based on your trip expenses and is generally 4-10% of your total insurable trip cost. See how to calculate your trip cost and make sure you have the right amount of coverage.

The cost of a travel medical plan is based on:

• The plan you choose
• The length of your trip
• Medical maximum, deductible, and other add-ons you select when customizing your plan

Get a quick, hassle-free quote when you answer a few simple questions about your trip to Italy and see what kind of coverage could be best for you.

Travel Requirements for Italy

Provide an introductory paragraph that sets up the subsections that will go over what is and isn’t required to visit Italy.

Visa Requirements for Italy

If you’re planning a longer stay or visiting multiple European countries, you may need a Schengen visa.

A Schengen visa is a temporary stay visa that allows you to travel to any member of the Schengen Area for up to 90 days for tourism or business purposes. If you are a U.S. citizen with a passport spending 90 days or less in Italy or a citizen of a Schengen Area member country, you don't need a visa.

There are four types of Schengen visas: A (airport transit only), B (short stays up to 90 days), C (extended stays over 90 days), and D (multiple entries over time).

You can learn more about these different types of visas, their eligibility requirements and restrictions, and how to obtain them by visiting our Schengen visa page .

Documents and Forms

To travel to Italy, you’ll want to be sure your required documentation is packed and accessible at the airport. You'll need:

• Your valid passport
• A visa, if the trip requires

For more information on required documents and forms, visit the Italian Ministry of Tourism official site. .

Public Health Requirements

There are currently no COVID-19-related restrictions in Italy (as of December 2023). However, it is important to revisit these travel guidelines every six months to ensure your information is current and accurate.

Travel Information & Safety Tips for Italy

When gearing up for any trip, you want to know what you can expect and how to prepare. These travel tips cover safety, transportation, currency, and more, so you can feel all set for your adventures and ready to dive into the local scene.

Is Italy safe to visit?

Italy is generally safe with a robust tourist infrastructure. However, petty theft, particularly in crowded spots like Rome, Florence, and Venice, is a concern.

Exercise caution, keep an eye on belongings, and avoid flaunting valuables. Tourists should also beware of scams involving counterfeit goods, as purchasing these may result in thousands of euros in fines.

A great safety tool for travelers is the Smart Traveler Enrollment Program (STEP). When you enroll, you’ll get up-to-date information about safety precautions in your destination country. It will also help the U.S. Embassy and your friends and family contact you in case of an emergency. You can also visit the U.S. Department of State website for your destination country to see the latest travel advisories.

What languages are spoken in Italy?

The majority of Italy’s population speaks Italian—about 97%. While around one-third of the population can speak English, many might only know basic English.

What currency is used in Italy?

The euro (€) is the currency used in Italy. As of December 2023, the exchange rate between euros and United States dollars is 1 euro = 1.10 dollars.

For the most current currency rate, check out this currency exchange tool .

What is the weather like in Italy?

Explore Italy's varied climates, from the Dolomites in the north to the timeless charm of Rome and the warmth of the south. Whether you seek summer escapades or winter charm, each region promises a trip you'll never forget.

Northern Italy: Experience hot summers in the 80s F, perfect for activities like mountain lake swimming and Dolomite hiking. Winters, lasting from December to March (or April some years), bring freezing temperatures and scenic snowfall.

Central Italy: Tuscany, Umbria, and other central locations enjoy hot summers in the 80s F, especially on the coasts. Winters see temperatures in the 40s F and 50s F, occasional snow, and rain. The coldest weather is typically in January and February.

Rome: January marks the coldest month in Rome, with averages around 46 F. Despite the chill, Rome sees a surplus of sunshine, and by February, you'll find days warm enough for sundresses and picnics. In summer, the hottest months—July and August—average in the mid-70s F, with occasional highs in the 80s F. Rome boasts sunshine year-round, with summer averages in the mid-teens and around seven or eight hours daily in winter.

Southern Italy: In Naples and the surrounding area, anticipate hot, dry summers with average temperatures in the 70s F and 80s F. Winters are mild and rainy, with January and February averages in the 40s F. As you travel south, temperatures rise slightly, and this region rarely experiences snow or ice.

Food and Water Safety in Italy

Tap water is generally safe to drink in Italy, including in major cities like Rome. Old-style water fountains can be found throughout major cities and provide safe, convenient spots to refill your water bottles. While some rural areas may have unsafe water, signs reading 'acqua non potabile' indicate water that should not be ingested.

Italy takes its food safety very seriously, so you can safely enjoy produce from local markets. Find more tips on Italian food markets and shop with a local's insight.

Transportation

In Italy, cities are well-connected with local train stations, offering convenient, fast, and reliable travel. Besides trains, your other transportation options include rentable cars, buses, boats, and of course, the iconic Vespa.

Taxis are also a good option for short distances within cities, but different than waving down a taxi like you would in New York City or Chicago. Italian taxis are available at designated taxi stands or through mobile apps like MyTaxi.

Do I need a power adapter for my electronics?

Italy uses three plug types: C (two round pins), F (two round pins with two earth clips), and L (three round pins). The country operates on a 230V supply voltage and 50Hz.

U.S. Embassy and Consulate Information for Italy

Before traveling to Italy, it’s important to know the location of the nearest embassy or consulate to where you’re staying. Here’s a full list of Embassy and Consulate locations.

U.S. Embassy Rome:

via Vittorio Veneto 121

Phone: (+39) 06.46741

U.S. Consulate General Florence:

Lungarno Vespucci, 38

50123 Firenze

Phone: (+39) 055.266.951

U.S. Consulate General Milan:

via Principe Amedeo, 2/10

20121 MILANO

Phone: (+39) 02.290351

U.S. Consulate General in Naples:

Piazza della Repubblica

80122 NAPOLI

Phone: (+39) 081.583.8111

Contact Seven Corners about Travel Insurance for Italy

Travel insurance doesn’t have to be complicated. Just tell us about your trip, and we’ll help you find the best travel insurance for Italy. Get a quick quote online — no commitments and no hassle — or chat with a licensed Seven Corners agent to have all your questions answered and customize your coverage. Buon viaggio!

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Top Four Options for Travel Insurance to Italy

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

One of the most visited places on the globe, Italy is a country whose history spans thousands of years into the modern day, offering a unique mix of culture, vibrancy, and natural splendour to visitors and expats from abroad. Although travelling to Italy is an accessible and affordable holiday destination for a lot of people, healthcare costs in the country can still stack up extremely fast, so it's still a very good idea to arrive in the country with travel insurance anyway.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Italy and other countries worldwide. In our list below, we explore SafetyWing , PassportCard , Insured Nomads , and Foyer — the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for wide but affordable coverage, and longer-term expats.

Heading to Italy soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2023.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn some Italian? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.
• 🍝 Wondering when to go? See the best months to travel .

Best Travel Medical Insurances for Italy

• 01. Best coverage for young people — SafetyWing scroll down
• 02. Best for aventurous travel — PassportCard Nomads scroll down
• 03. Best all-round travel and medical coverage — Insured Nomads scroll down
• 04. Best for longer stays ⁠— Foyer Global Health scroll down
• 05. FAQ about travel insurance for Italy scroll down

Best for Young People ⁠— SafetyWing

Italy is a popular destination for young vacationers, offering fine food, a famous nightlife culture, countless regional festivals, and plenty of cafés to sit back and relax. However, when it comes to travel insurance, young people are the least likely age group to take out a policy before travelling (often because of the costs involved).

Fortunately, not all travel and travel insurance providers are expensive, and some, such as SafetyWing , are geared toward a younger age group altogether. Known for its focus on insuring nomads and remote teams, SafetyWing is an online insurance provider offering some of the best pricing for international travel insurance on the market. It offers decent coverage at a very affordable rate, which makes it stand out as an excellent choice for travel insurance in Italy ⁠— no matter where you're travelling from!

SafetyWing offers one standard plan for international travellers, though the pricing differs by age group. Below, we focus only on the youth category (18 to 39 years old) as we believe this is where SafetyWing's offer is most interesting.

Plan: Insurance for nomads

Price: Starting at $42 per person, per month.

Term duration: Up to 364 days.

Eligibility:

• Between 18 and 39 years (for the basic plan).
• You cannot be travelling in the US during your trip.

Coverage: SafetyWing's basic travel is comprehensive and includes both medical- and travel-related benefits. A few highlights include:

• COVID-19 coverage¹.
• Hospital, ICU, and ambulance coverage².
• Emergency dental coverage.
• Physical therapy and chiropractic coverage.
• Travel interruption and delay coverage.
• Evacuation (medical or emergency political) coverage.
• Lost luggage up to $3,000.

Deductible: $250.

Maximum limit: $250,000.

Best for: Because of its low costs and low barrier to entry (you only need to sign up online ⁠— which you can even do when you're already travelling!), we think SafetyWing is the best travel insurance for Italy for younger travellers looking to keep costs low while still getting decent coverage. However, if you're older than 39 years or you're looking for more coverage and don't mind paying a higher price, then we recommend looking at the options below.

¹ Covers testing and quarantine under certain conditions ² High-risk sports, pre-existing conditions, and cancer treatment aren't covered.

Best for Adventure ⁠— PassportCard

From hiking in the Dolomites to paragliding over the Apennines to scuba diving among ancient Roman ruins off the coast of Naples, Italy offers a lot to people seeking outdoor adventure. However, many travel insurance providers don't cover sports accidents — especially if they're risk-prone sports such as skiing or hiking.

PassportCard Nomads is an online travel insurance provider aimed at expats and digital nomads which includes sports accident coverage. On its most basic plan — PassportCard for Digital Nomads — customers benefit from travel insurance in Italy up to six months, during which time they enjoy a range of unique insurance perks for people on the go, including sports and search and rescue coverage, as well as camera, baggage, and laptop insurance.

PassportCard comes with three plans, all of which come with a red travel insurance card and a unique insurance number to show to the doctor. Below, we look at their most basic plan:

Plan: PassportCard for Digital Nomads

Price: Starting at $59 per person, per month.

Term duration: Up to six months.

Coverage: PassportCard covers all the basics and goes above and beyond when it comes to travel:

• Emergency coverage.
• Medical coverage.
• Pregnancy (up to 12 weeks).
• Search and rescue.
• Sports accident coverage.
• Theft of camera, laptop, or baggage.

Deductible: $0

Maximum limit: $500,000.

Best for: Because of its higher limit of liability and no deductible, we think PassportCard Nomads is best for travellers looking for a low-cost travel insurance plan with wide coverage — especially if they stand to benefit from more adventurous coverage such as outdoor sports and camera and laptop insurance.

Best Overall Coverage ⁠— Insured Nomads

When one thinks of visiting Italy, exquisite food, good weather, and beautiful historical ambience are probably the first things to come to mind. From wandering the narrow streets of Naples, to sampling fine wines in Tuscany, to climbing the Duomo in Florence, there's no arguing with the fact that Italy offers a lot to the everyday tourist.

Aimed at travellers, remote workers, and globetrotters alike, Insured Nomads is another savvy insurtech platform offering travel insurance for Italy that's ideal for extensive medical- and travel-related coverage. Founded and run by expats around the globe, Insured Nomads offers an impressive range of travel insurances, including a larger scope of medical-related coverages than the other providers in this article.

We go over Insured Nomads' basic plan below:

Plan: Travel Insurance World Explorer

Price: Starting at $84 per person, per month.

Term duration: One trip of between 7 and 364 days.

Eligibility: You cannot travel to Italy via Cuba, Iran, Syria, Sudan, North Korea, or the Crimea region.

Coverage: This plan offers a fairly comprehensive set of medal benefits and coverage for a basic travel insurance plan in Italy. These include:

• Online consultation (telemedicine).
• Medical, emergency, and accident coverage.
• Outpatient and inpatient care.
• Medical transportation coverage
• Evacuation and repatriation.
• Life insurance.
• Adventure sports and marine activity coverage.
• Electronics, camera, cellphone, and sports equipment coverage.
• Flight delay provisions.

Deductible: $0, $100, $250, or $500 based on selection.

Maximum limit: $250,000, $1,000,000, or $2,000,000 based on selection.

Best for: Although easily the priciest of the plans we've looked at so far, we think Insured Nomads gives the best combination of medical- and travel-related coverage, making it an ideal option for travellers to Italy looking for comprehensive benefits all around. (Insured Nomads also offers an even more comprehensive global health insurance plan for expats for those who plan to live in Italy for an extended period of time.)

Best For Longer Stays ⁠— Foyer

Beyond holidays, Italy is also a very popular destination for expats and digital nomads, and is well known for its good quality of life and cultural openness. However, if you're planning to move to Italy for a year or more, an ordinary travel insurance policy usually won't give you what you're looking for, and you'll want a longer-term option instead.

Global Health by Foyer Group is a premium insurance platform that offers three plans for expats looking for longer-term health insurance in Italy. They cater to adult travellers of any age, and offer premium plans tailored to families, people working abroad, and expats. Because of its wide coverage, we think Foyer Global Health offers the most comprehensive international travel insurance for expats and digital nomads in Italy.

Below, we look at their most basic plan, 'Essential', though their more expensive plans are well worth considering too if you plan to move to Italy with your family and would like to have them covered as well:

Plan: Essential.

Price: Varies based on age, country of origin, marital status (including children), and trip duration.

Term duration: No restrictions, depending on selection.

Eligibility: You must be 15 years or older.

Coverage: This plan offers a very comprehensive set of medical benefits and coverage for a basic travel insurance plan in Italy. (However, the basic plan lacks in terms of travel-related coverage.) The medical coverage includes:

• Extensive family coverage.
• Inpatient and outpatient care.
• Private or semi-private hospital room.
• Hospital, surgery, therapy, and transport coverage.
• Cancer treatment coverage.
• Over-the-counter drug coverage.
• Doctor's visit coverage.
• Basic dental care coverage.

Deductible: Varies based on selection.

Maximum limit: Varies based on selection.

Best for: If you're staying in Italy for a long period of time (e.g. more than a year), then travel benefits become less important than health coverage. As a result, we think Foyer Global Health 's 'Essential' plan is ideal for solo travellers living in Italy for extended periods, while its more expensive 'Special' and 'Exclusive' plans are more suitable if you're moving with your spouse and children. However, if you're planning to spend less than a year in Italy and travel-related benefits are more important to you, then we recommend one of the options above instead.

Frequently Asked Questions About Travel Insurance for Italy

No, you'll not be required to take out travel insurance for Italy. However, we strongly encourage you to do so anyway, because the cost of healthcare in Italy can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of having to cover those costs yourself in case you need medical attention during your stay.

Health insurance doesn't cover normal holiday expenses, such as flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers costs that are commonly associated with travelling. This can (and usually does) include medical expenses, but it also often includes coverage for personal belongings, as well as other benefits.

You can get travel insurance through an insurance broker like Foyer or a travel agency. Or, you can go directly to an insurance company like SafetyWing , PassportCard , or Insured Nomads .

When you buy travel medical insurance for Italy with a company, you will receive an Insurance Certificate or Letter that you can download and print out. You can send this to the Italian Embassy or Consulate if you need a specific visa.

The cost of travel insurance for Italy varies based on several factors: the desired coverage amount, your age (with older individuals paying more due to increased risk), and the duration of your trip. More extensive coverage, advanced age, and longer stays in Italy will result in higher insurance costs.

You can do so by either direct billing or reimbursement.

With direct billing, the hospital in Italy will charge your travel insurance company directly instead of you. You should check your insurance provide for their network of hospitals to make sure you can use this method during your trip.

Otherwise, you will have to pay the cost of the treatment yourself, save the bill, and send a claim to your insurance provider later. Your insurance company will reimburse you the cost.

US, Canadian, and Australian citizens are not required to have travel insurance when travelling to Italy, but it is strongly recommended in the case of emergencies.

Other Guides On The Best Travel Medical Insurance

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Travel Insurance for Visitors to Italy

Visiting italy: safety and travel insurance advice.

Related: Health Insurance for Foreigners Living in Italy

We offer two types of plans for tourists and travelers to Italy. The first, travel medical insurance , covers medical emergencies along with other important benefits. The second, trip cancellation insurance , covers all of the same with the additional benefit of covering the cost of your trip if you are not able to travel for a covered reason.

Italian Travel Medical Insurance Plans

When visiting Italy as a tourist, a travel insurance plan will provide peace of mind as you can rest assured that your medical expenses will be covered if you get sick or injured in an accident. You will also have access to 24/7 medical emergency assistance with help finding a doctor or hospital to treat you. Some recommended plans for visitors to Italy can be found below.

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Seven Corners Travel Medical Insurance

• Comprehensive medical coverage with benefits up to $5,000,000.
• Adventure activities coverage available.
• Emergency Medical Evacuation protection up to $500,000.

Trip Cancellation Coverage for Visitors to Italy

The Seven corners trip insurance is for US citizens traveling to Italy. This plan will cover your trip costs, including flight and hotel expenses.

Trip Cancellation for US Citizens Traveling to Italy

Seven corners trip protection insurance.

• Comprehensive trip protection for U.S. residents traveling abroad.
• Optional rental car collision coverage available.
• Optional Cancel for Any Reason coverage available (if eligible).

Important Safety Tips for Visitors to Italy

The larger Italian cities are notorious for small thefts, pickpockets, and muggings. If this is not something which you are accustomed to in your home country then it’s important to familiarize yourself with some common sense precautions which even might seem like going overboard, but can make all the difference between having a wonderful trip or having a very unpleasant experience.

Here Are a Few Tips to Avoid Being Robbed:

• Mind Your Electronics: You might be used to living in a large city, and you also might be used to staring into your smartphone wherever you go, on public transport, or walking down the street. However, in Italy, it’s best to secure your smartphone and other electronics and spend your time in public appreciating where you are, not staring into a screen. First of all, you will be more aware of what’s around you and better prepared to deal with a threat. By keeping your phone and camera carried out of sight securely on your person you’ll reduce the temptation for someone to see you as a crime of opportunity and enact a snatch and grab with your expensive electronics.
• Secure Valuables in Your Hotel Room or Residence: It’s a good idea to begin a policy of not leaving home (or hotel) with anything that you cannot lose. Limit the amounts of cash you carry. If you need to bring your passport with you, leave a photocopy at home. Have a backup credit card you leave behind. Avoid expensive or flashy jewelry and watches.
• Wear a Money Belt: Even if you leave the bulk of your valuables behind, you still need to carry some cash with you, and there may be times when you’ll find it necessary to carry a significant amount of cash as well as your passport. That’s why it’s a great idea to invest in a money belt that will allow you to securely hold your valuables underneath your clothes and away from opportunistic thieves.
• Be Mindful: Travelers are actually more likely to lose things than to have them stolen. Either way, as you feel comfortable and at home, it’s very easy to sling your bag over the back of the chair at the outdoor cafe that you’ve stopped at for a macchiato. However, doing so invites both forgetting the bag there, as well as someone snatching it. Avoid both and hold your bag in your lap.
• Safety First: If you do get robbed, chances are you’ll have no idea until after the thief and your stuff are long gone. But if you do catch the thief in the act, don’t enter into a confrontation that is likely to lead to violence. If it’s night and there aren’t many people around it’s generally a better idea to let your things go, whatever it is, it’s replaceable, your physical wellbeing is not.

Italian Embassy Phone Numbers

• United States: +39 06 46741
• Australia: +39 06 852721
• New Zealand: +39 06 853 7501
• United Kingdom: +39 06 4220 0001

All embassies are located in Rome, but larger cities such as Naples, Milan, and Florence are likely to host a consulate which can be a valuable resource if you are located closer to one of these cities.

Emergency Assistance Numbers in Italy

The universal European number 112 works in Italy, and there are also individual numbers specific to Italy for emergency services:

• Police or General Emergency: 113
• First Aid: 118

Italian Healthcare System and Types of Insurance

Italy offers all its citizens and residents nationalized healthcare, called  Servizio Sanitario Nazionale . It is important to note that though the SSN is a nationalized system, it is overseen on the provincial level. As a result, the quality of healthcare is not consistent throughout Italy but will vary depending on where you are. If you are having persistent of more serious health problems which you would like to have treated in Italy then it is worth considering whether the region you are seeking treatment has the best facilities and specialists to treat what is ailing you.

While the SSN is available to non-citizen permanent residents (automatically for EU citizens with the European Health Insurance Card and with registration for non-EU citizens), many Expats still choose to invest in private international health insurance and healthcare. Many of Italy’s most renowned medical practitioners are major proponents of the private healthcare system, and as a result, it is known for being world-class. For everyday medical needs, the private healthcare system provides an additional major advantage: avoidance of the long lines and wait times for appointments that plague the SSN.

See: Hospitals for Visitors or Expats in Italy

Tourists and visitors can access SSN and emergency services by paying out of pocket or subsidized by privately purchased travelers’ insurance .

Vaccines, Medications and Diet Considerations for Italy

Due to a measles outbreak, Italy has become extremely strict about requiring childhood vaccinations, due to a degree that has proven controversial. As always when traveling, it is important for all travelers to be up-to-date on all basic vaccinations like MMR and polio. Additionally, if you will be on an extended stay in Italy and plan to enroll children under the age of 16 in Italian schools, you should check to make sure that your children are up to date on all the newly required 12 vaccines.

Rome recently saw its first death due to malaria in decades. While it is far from being widespread enough to require precautions such as vaccinations or medication, it’s best to be aware that this is now a possibility, if still thankfully remote.

Water is potable throughout Italy, both from a tap, as well as from designated fountains so long as there is no “Acqua non-potabile.” That being said, travelers often have more sensitive stomachs, plus there is the matter of taste. If you know that your stomach is more susceptible, or you don’t like the taste of tap water, bottled water is easily available at reasonable prices, and bottled water, both sparkling and still is generally the preferred choice in Italian homes. However, precautions such as using bottled water for brushing teeth, boiling water prior to washing fruits and vegetables, or avoiding ice are all unnecessary.

Like many European countries, pharmacies and pharmacists are considered specialized healthcare providers for situations not severe enough to require a doctor. When traveling it’s always a good idea to carry extra medications that may be needed as well as copies of prescriptions. However, if you do find yourself in need of something, you’ll find a highly qualified person to help you in any pharmacy, and if you are able to transcend the language barrier, you’ll also find a person who will likely be able to advise you on the best treatment for any minor ailments.

Italy holds a special place in the heart of any person who has ever tasted the cuisine on offer. Though the country is not large, relatively speaking, the cuisine is far from monolithic pizza, pasta and gelato, rather each region and even each town offers its own gastronomic delights. Part of visiting this country is making the most of it, however, while the Italian diet fits in with the Mediterranean healthy lifestyle, for visitors who are on an extended stay, it can be very easy to overindulge and gain weight. Try and base your diet around the strictures of the Italians, and not like tourists, keep pasta portions small, and view them as only a part of a balanced meal that also includes lean proteins and fresh fruits and vegetables.

Italy has the same visa requirements as all other EU countries and is a Schengen country. You can find more about  Schengen visa insurance .

Italy is a favorite for visitors and Expats alike. By making preparations to ensure your stay there is healthy and safe, you’ll guarantee that you’ll be having the time of your life for however long you’ll be blessed to live la bella vita.

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For your holidays in Italy and abroad

Italy may be most popularly known for its food, art, architecture, and the floating city of Venice, but it also has the maximum number of UNESCO World Heritage Sites. Moreover, the country offers an abundance of nature. From mountains and islands to volcanoes, you can find everything in the beautiful and diverse Italian landscape. Not to forget the vineyards in its gorgeous countryside. Can’t wait to explore this diverse European country? Let’s help you prepare for it with some essential information…

Does Italy Require Travel Insurance?

Italy doesn’t require American tourists to buy travel insurance unless they plan to stay for more than 90 days. However, US travelers are still encouraged to carry travel insurance. Here’s why:  

• The US Department of State lists Italy as a Level 2 country in its travel directory, requiring its citizens to Exercise Increased Caution.
• There is a high prevalence of financial scams.
• A travel insurance policy may also cover medical treatments if need be.

Italy Travel Insurance FAQs

What documents do i need to travel to italy.

American citizens require the following documents to travel to Italy:

Passport with at least three months validity beyond your departure date from the Schengen region and two blank pages.

Does Italy require International Medical Coverage?

Italy doesn’t require US travelers to carry international medical coverage. However, experts and seasoned travelers strongly encourage getting one.  

What vaccinations are required to visit Italy?

Italy doesn’t have any official vaccination requirements for American citizens. However, the CDC recommends getting the following vaccines before traveling to Italy:  

• Hepatitis A and B
• Tick-borne Encephalitis
• Routine Vaccines – Flu, Polio, MMR, Shingles, Chickenpox, and Diphtheria-Tetanus-Pertussis

What are the neighboring countries of Italy?

Italy shares a land border with the following four countries:  

• Switzerland

What is the best time of year to visit Italy?

May-June and September-October are considered the best months to visit Italy. However, these also tend to be the busiest months. If you wish to avoid large tourist crowds, you may be better off traveling through Italy during March-May and October-November.  

What is the local currency of Italy and its exchange rate for USD?

The currency of Italy is the euro, and its current exchange rate for USD is 1 Euro =1.07 USD.  

Are credit cards widely accepted in Italy? If yes, which ones?

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Italy Travel Insurance

Travel insurance for italy.

Italy's flair for arts, gastronomy, and architecture has long enchanted travelers from around the world. Whether you're here to gawk over the grand Florence Cathedral, watch an opera, or try the world's best pasta, Italy promises an adventure at every turn. But before you dive headfirst into this cultural kaleidoscope, let's discuss a crucial aspect of your Italian escapade: travel insurance . After all, in the grand opera of travel, a good insurance policy is your area of assurance, so you can focus on your Italian adventure without worrying about the unexpected bumps along the way.

What should your travel insurance cover for a trip to Italy?

At a minimum, your travel insurance to Italy should cover trip cancellation, trip interruption, and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.  AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Italy.

How does Travel Insurance for Italy work?

Imagine this: You just arrived in Italy, and are excited about the art-filled days that await. However, as you arrive at your hotel, there's an unexpected hiccup – your checked baggage has been delayed by the airline. Here's where the "Luggage Delay" benefit of your AXA Protection Plan comes in. Instead of letting the delay ruin your Italian escapade, your policy steps in to ease the inconvenience. The coverage can offer reimbursement for essential items like clothing and toiletries, allowing you to freshen up and start exploring the city without missing a beat. With AXA Travel Protection, your Italian escapade stays as smooth as a scoop of gelato on a sunny day.

Here's are how travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits:

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Additional Optional Travel Benefits:

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I need Travel Insurance for Italy?

While you don't have to get travel insurance for your trip to Italy, it's a good idea to consider medical coverage. Why? There are several reasons:

Emergency Medical Expenses: Italy has a robust healthcare system, but unexpected illnesses or accidents can happen. This benefit ensures coverage for medical expenses, including hospital stays and doctor's fees.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

Luggage Delay: Italy is known for its fashion and unique shopping experiences. If your checked baggage gets delayed, the "Luggage Delay" benefit becomes relevant by offering reimbursement for essential items like clothing and toiletries, ensuring you can still enjoy your time in Italy without the hassle of waiting for your belongings.

How much does Travel Insurance cost for Italy?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Argentina will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

Our Suggested AXA Travel Protection Plan 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Italy hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses. The Platinum Plan is your go-to choice if you're looking for extra coverage for Italy’s experience. "Cancel for Any Reason" offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring Italy's stunning landscapes in a rental car. Travelers to Italy, particularly those with the AXA Platinum plan, can find unique value in the Loss Skier Days and Loss Golf Days benefits . Imagine planning a winter getaway in the Italian Alps or a golfing retreat in Tuscany. If unexpected slope or golf course closures disrupt your prepaid arrangements, these exclusive benefits may offer reimbursement, mitigating the costs associated with unused ski tickets or golf days,

What types of Medical Coverage do AXA Travel Protection Plans Offer?

AXA covers three types of medical expenses:

• Emergency Medical
• Emergency evacuation repatriation
• Non-medical emergency evacuation repatriation

Emergency Medical: Can cover medical expenses, hospital stays, and even emergency evacuations, covering the expenses of hefty bills and ensuring access to quality healthcare while away from home.

Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. 

Non-Medical Emergency Evacuation and Repatriation: Offers assistance in unexpected situations such as political unrest or natural disasters, ensuring safe and timely relocation to a secure location or repatriation back home. 

Are there any COVID-19 Restrictions for Travelers to Italy?

No. Italy has dropped all COVID-19 restrictions for travelers from the United States.

Traveling with pre-existing Medical Conditions to Italy? 

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.   Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,   

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation. 

1. Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2. When should I buy Travel Insurance for Italy?

Purchasing travel insurance for your trip is advisable as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3. Do Americans need travel insurance in Italy?

You don't have to get travel insurance for your trip to Italy, but it's a good idea, especially considering how pricey unexpected medical expenses can be. This way, you're covered for unexpected health costs, and you have assistance and support from AXA if your plans unexpectedly change.

4. What is needed to visit Italy from the USA?

If you're a U.S. citizen planning a trip to Italy for tourism, business, or short-term study, you can stay up to 90 days without needing a visa. The essential travel document is your passport, which must be valid for at least three months beyond your planned departure from Italy. Additionally, it's a good idea to have proof of your travel purpose and enough funds for your stay.

5. What happens if a tourist gets sick in Italy?

If you become sick in Argentina, travelers with AXA Travel protection can contact the AXA Assistance hotline at  855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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Travel Medical Insurance for Italy

Traveling to Italy is a dream for many, but ensuring that you have the right travel medical insurance for Italy is crucial for a worry-free trip. Whether you’re exploring the historic sites of Rome, enjoying the romance of Venice, or savoring the cuisine in Tuscany, having adequate medical coverage will provide peace of mind during your Italian adventure.

Navigating the Italian healthcare system as a traveler can be challenging, making it essential to understand what you need to know before embarking on your trip. From the types of travel medical insurance plans available to coverage details and tips for choosing the right plan, this article will guide you through everything you need to consider when it comes to protecting yourself with travel medical insurance in Italy.

With the cost of healthcare in Italy and real-life scenarios highlighting the importance of travel medical insurance, it’s clear that having proper coverage is essential. By comparing options and learning how to purchase travel medical insurance for Italy, you can ensure that you are prepared for any unexpected medical situations while enjoying all that Italy has to offer. So let’s explore why travel medical insurance is a must-have for your Italian getaway.

Table of Contents

Understanding the Italian Healthcare System

When traveling to Italy, it is essential to have a good understanding of the Italian healthcare system to ensure that you are prepared for any medical emergencies that may arise during your trip. As a traveler, it’s important to know that Italy has a national healthcare system that provides universal coverage for its residents.

However, as a non-resident visitor, you may not be eligible for these benefits and could end up having to pay out-of-pocket for any medical services you receive.

It’s also worth noting that while Italy offers high-quality medical care, the language barrier can sometimes be an issue for travelers. Many healthcare providers in Italy may not speak English fluently, which can make it challenging to communicate your medical needs effectively.

This is where having travel medical insurance for Italy becomes crucial. With the right insurance plan, you can access resources and services to help you navigate the healthcare system and find English-speaking doctors or translators if needed.

In addition to language barriers, travelers should also be aware of the cost of healthcare in Italy. While the country enjoys relatively affordable medical services compared to the United States, medical expenses can still add up quickly without proper insurance coverage. This is why investing in travel medical insurance for Italy is vital.

It provides financial protection in case of unexpected illnesses or injuries during your trip and ensures that you can access quality care without worrying about exorbitant costs. Whether you’re exploring the historic streets of Rome or enjoying a leisurely gondola ride in Venice, having travel medical insurance will give you peace of mind as you experience all that Italy has to offer.

Types of Travel Medical Insurance Plans Available for Italy

When traveling to Italy, it’s important to be prepared for any unexpected medical emergencies that may arise during your trip. One way to ensure that you have access to quality healthcare while in Italy is by purchasing travel medical insurance for Italy. There are several types of travel medical insurance plans available to choose from, and it’s important to compare your options carefully before making a decision.

One type of travel medical insurance plan available for Italy is a comprehensive coverage plan. This type of plan typically offers the most extensive coverage, including emergency medical treatment, hospitalization, and emergency medical evacuation if necessary. Comprehensive coverage plans may also include coverage for trip cancellation or interruption due to a medical emergency.

Another option to consider when looking for travel medical insurance for Italy is a basic or limited coverage plan. These plans often offer more affordable premiums but provide less extensive coverage compared to comprehensive plans. Basic or limited coverage plans typically cover essential medical services such as doctor’s visits, prescription medications, and emergency dental treatment.

It’s also important to consider whether you need specialized coverage for specific activities or sports while in Italy. Some travel medical insurance plans offer optional add-ons for activities such as skiing, scuba diving, or hiking. If you plan to engage in any high-risk activities during your trip, be sure to inquire about these optional coverages when comparing your options for travel medical insurance for Italy.

Coverage Details

Emergency medical treatment.

Travel medical insurance for Italy typically covers emergency medical treatment, including hospitalization, surgeries, and doctor visits. This is crucial in case of unexpected illness or injury while traveling in Italy. The insurance ensures that you can access the necessary medical care without worrying about exorbitant out-of-pocket costs.

Medical Evacuation

In the event of a serious medical emergency in Italy, travel medical insurance often includes coverage for medical evacuation to a facility capable of providing adequate care. This may involve coordination with local authorities, transportation arrangements, and even repatriation to your home country if needed. Having this coverage can be a financial lifesaver in critical situations.

Prescription Medications

Many travel medical insurance plans for Italy also include coverage for prescription medications prescribed by a healthcare professional. Whether you have a pre-existing condition and need regular medication or require a new prescription during your trip, having this coverage ensures that you can access the necessary medications without facing unexpected expenses.

In summary, when considering travel to Italy, it’s important to carefully review the coverage details offered by different travel medical insurance plans. Emergency medical treatment, medical evacuation, and prescription medication coverage are some of the key aspects to look out for when choosing the right plan for your Italian adventure.

With the right coverage in place, you can explore all that Italy has to offer with peace of mind knowing that you’re protected in case of any unforeseen medical circumstances.

The Cost of Healthcare in Italy

As a traveler to Italy, it’s important to understand the country’s healthcare system. While Italy offers public healthcare services to its residents, these services may not be readily available to tourists. For non-residents, medical treatment can come with a hefty price tag. Without travel medical insurance for Italy, international visitors may find themselves facing expensive medical bills in the event of an unexpected illness or injury.

The High Cost of Medical Treatment

The cost of healthcare in Italy can be significant, especially for emergency services and specialized treatments. Without travel medical insurance, tourists may have to pay out-of-pocket for doctor’s visits, hospital stays, prescription medications, and other necessary medical expenses. In some cases, the cost of treatment may exceed what travelers had budgeted for their trip, leading to financial strain and added stress during what was meant to be a relaxing vacation.

Peace of Mind With Travel Medical Insurance

By investing in travel medical insurance for Italy , travelers can have peace of mind knowing that they are protected against the potentially high costs of healthcare in the country. With coverage in place, visitors can seek necessary medical attention without worrying about financial repercussions.

This allows them to fully enjoy their trip without the fear of unexpected expenses due to unforeseen medical issues. With various types of travel medical insurance plans available, tourists can choose a policy that best suits their needs and budget while ensuring comprehensive coverage during their time in Italy.

Tips for Choosing the Right Travel Medical Insurance Plan for Your Trip to Italy

When planning a trip to Italy, it is essential to ensure that you are equipped with the right travel medical insurance plan. With the diverse range of options available, it can be overwhelming to choose the most suitable one for your specific needs. Here are some tips to consider when selecting the right travel medical insurance plan for your Italian adventure:

• Research Different Providers: Take the time to research and compare different travel medical insurance providers. Look at their coverage options, customer reviews, and overall reputation in the industry. Consider reaching out to friends or family members who have previously traveled to Italy for recommendations.
• Assess Your Medical Needs: Before choosing a travel medical insurance plan, assess your individual medical needs. Consider factors such as pre-existing conditions, age, and any activities you plan on participating in during your trip. This will help you determine what level of coverage is necessary for your travels.
• Consider Emergency Evacuation Coverage: It’s important to ensure that your travel medical insurance plan includes coverage for emergency evacuation. In the event of a serious illness or injury, this coverage will provide assistance in arranging transportation to a suitable medical facility if needed.

Remember that having adequate travel medical insurance for Italy can provide peace of mind and financial protection in case of unexpected medical situations during your trip. By carefully considering these tips and choosing a comprehensive plan, you can enjoy your Italian adventure knowing that you are well-prepared for any potential healthcare needs.

How to Purchase Travel Medical Insurance for Italy

When planning a trip to Italy, one of the most important things to consider is purchasing travel medical insurance for Italy. This step-by-step guide will help you navigate the process of obtaining the right insurance plan for your trip.

1. Research Insurance Providers: Start by researching different insurance providers that offer travel medical insurance for Italy . Look for companies with good reputations and positive customer reviews.

2. Compare Plans: Once you have a list of potential insurance providers, compare the different plans they offer. Consider factors such as coverage limits, deductibles, and specific coverage for medical emergencies while in Italy.

3. Get Quotes: After narrowing down your options, request quotes from the insurance providers you are considering. This will give you an idea of how much each plan will cost and what exactly is covered.

4. Purchase the Plan: Once you have chosen the best travel medical insurance plan for your trip to Italy, complete the purchase process either online or by contacting the insurance provider directly.

5. Understand Policy Details: Take the time to carefully review and understand all the details of your travel medical insurance policy. Be aware of any limitations or exclusions, as well as how to file a claim if needed during your travels in Italy.

By following this step-by-step guide, you can ensure that you have appropriate travel medical insurance for Italy before embarking on your journey.

Real Life Scenarios

When it comes to traveling to Italy, ensuring that you have the right travel medical insurance is essential for your peace of mind. Real-life scenarios have shown time and time again how important it is to be prepared for any unexpected medical issues while abroad. Travel medical insurance for Italy can provide coverage for a range of medical needs, including doctor visits, hospital stays, emergency medical evacuation, prescription medications, and more.

One real-life scenario that highlights the importance of travel medical insurance for Italy involves a traveler who developed a sudden illness while exploring the beautiful city of Rome. Without travel medical insurance, they would have been facing significant out-of-pocket costs for doctor’s visits, diagnostic tests, and medication. However, thanks to their comprehensive travel medical insurance plan, they were able to receive the necessary medical care without worrying about the financial implications.

In another scenario, a traveler in Florence experienced an unexpected injury while hiking in the countryside. They required emergency medical treatment and eventually had to be evacuated to a nearby hospital for specialized care. Fortunately, their travel medical insurance plan covered both the emergency treatment and the cost of evacuation, saving them from considerable expenses during an already stressful situation. These stories serve as powerful reminders of why having adequate travel medical insurance for Italy is crucial for any traveler.

In conclusion, it is evident that having travel medical insurance for Italy is an essential component of planning for a trip to this beautiful country. Understanding the Italian healthcare system and the potential costs involved in receiving medical treatment as a traveler, highlights the importance of having comprehensive coverage.

Whether it’s a minor illness, an unexpected injury, or even just peace of mind knowing you are protected, travel medical insurance is crucial for ensuring your well-being while exploring all that Italy has to offer.

When comparing the types of travel medical insurance plans available for Italy, it’s important to consider factors such as coverage details and cost. From emergency medical care to prescription medications, having a plan in place can alleviate stress during an already challenging time.

Additionally, choosing the right travel medical insurance plan should be based on various factors including length of stay and planned activities. It’s also vital to carefully review what each plan covers and doesn’t cover to make an informed decision.

Purchasing travel medical insurance for Italy can easily be done online or through a variety of reputable providers. A step-by-step guide can aid in choosing the best plan for your individual needs and provide peace of mind before embarking on your Italian adventure. By taking the time to secure adequate coverage, travelers can enjoy their trip with confidence and assurance that they are protected in case of any unforeseen circumstances.

Frequently Asked Questions

Do i need travel medical insurance for italy.

Travel medical insurance for Italy is not mandatory for most travelers, but it is highly recommended. The Italian healthcare system is excellent, but having medical insurance can provide peace of mind and financial protection in case of unexpected medical issues.

Can You Buy Just Medical Travel Insurance?

Yes, it is possible to buy medical travel insurance separately from other types of travel insurance. This allows you to focus specifically on getting coverage for any potential medical expenses that may arise while traveling, without the added features of a comprehensive travel insurance policy.

How to Get Health Insurance in Italy for Foreigners?

Foreigners in Italy can obtain health insurance through the Italian National Health Service (SSN) if they are legally resident in the country. Alternatively, private health insurance is also available for expatriates and non-residents, providing access to private healthcare facilities and services.

I’m a passionate traveler, writer, and Italophile. My fascination with Italy’s history, art, and culture has led me on countless adventures across the Italian landscape. Through “I Live Italy,” I share my love for this extraordinary country and aims to inspire others to explore its boundless beauty.

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The Best Travel Medical Insurance of 2024

Allianz Travel Insurance »

Seven Corners »

GeoBlue »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Medical Insurance Plans.

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• Allianz Travel Insurance
• Seven Corners

Buying travel insurance is a smart move for any type of trip, but you may not need a policy that covers everything under the sun. If you don't need coverage for trip cancellations or delays because you're relying on your travel credit card to offer these protections, for example, you may find you only need emergency medical coverage that works away from home.

Still, travel medical coverage varies widely based on included benefits, policy limits and more. If you're comparing travel insurance plans and hoping to find the best option for unexpected medical expenses, read on to learn which policies we recommend.

Frequently Asked Questions

The term travel insurance usually describes a comprehensive travel insurance policy that includes coverage for medical expenses as well as trip cancellations and interruptions, trip delays, lost baggage, and more. Meanwhile, travel medical insurance is coverage that focuses on paying for emergency medical expenses and other related care.

Travelers need international health insurance if they're visiting a place where their own health coverage will not apply. This typically includes all international trips away from home since U.S. health plans limit coverage to care required in the United States.

Note that if you don't have travel health insurance and you become sick or injured abroad, you'll be responsible for paying back any health care costs you incur.

Many travel insurance policies cover emergency medical expenses you incur during a covered trip. However, the included benefits of each policy can vary widely, and so can the policy limits that apply.

If you're looking for a travel insurance policy that offers sufficient protection for unexpected medical expenses, you'll typically want to choose a plan with at least $100,000 in coverage for emergency medical care and at least that much in protection for emergency medical evacuation and transportation.

However, higher limits can provide even more protection from overseas medical bills, which can become pricey depending on the type of care you need. As just one example, Allianz says the average cost of emergency medical evacuation can easily reach up to $200,000 or more depending on where you’re traveling.

Your U.S. health insurance policy almost never covers medical expenses incurred abroad. The same is true for most people on Medicare and especially Medicaid. If you want to ensure you have travel medical coverage that applies overseas, you should purchase a travel insurance plan with adequate limits for every trip. Read the U.S. News article on this topic for more information.

The cost of travel medical insurance can vary depending on the age of the travelers, the type of coverage purchased, the length of the trip and other factors. You can use a comparison site like TravelInsurance.com to explore different travel medical insurance plans and their cost.

• Allianz Travel Insurance: Best Overall
• Seven Corners: Best for Families
• GeoBlue: Best for Expats
• WorldTrips: Best Cost

Coverage for preexisting conditions is available as an add-on

Easy to purchase as needed for individual trips

Relatively low limits for medical expenses

No coverage for trip cancellations or trip interruption

• Up to $50,000 in emergency medical coverage
• Up to $250,000 in emergency medical evacuation coverage
• Up to $2,000 in coverage for baggage loss and damage
• Up to $600 in baggage delay insurance
• Up to $1,000 for travel delays
• Up to $10,000 in travel accident insurance
• 24-hour hotline assistance
• Concierge services

Purchase comprehensive medical coverage worth up to $5 million

Coverage for families with up to 10 people

Low coverage amounts for trip interruption

Medical coverage options vary by age

• Up to $5 million in comprehensive medical coverage
• Up to $500,000 in emergency evacuation coverage
• Up to $10,000 in coverage for incidental trips to home country
• Up to $25,000 in coverage for terrorist activity
• Up to $500 in accidental dental emergency coverage
• Up to $100 per occurrence in coverage for emergency eye exams
• $50,000 in coverage for local burial or cremation
• 24/7 travel assistance
• Up to $25,000 in coverage for accidental death and dismemberment per traveler
• Up to $500 for loss of checked baggage
• Up to $5,000 for trip interruptions
• Up to $100 per day for trip delays
• Up to $50,000 for personal liability

Qualify for international health insurance with no annual or lifetime caps

Use coverage within the U.S. with select providers

Deductible from $500 to $10,000 can apply

Doesn't come with any nonmedical travel insurance benefits

• Up to $250,000 in coverage for emergency medical evacuation
• Up to $25,000 for repatriation of mortal remains
• $50,000 in coverage for accidental death and dismemberment

High limits for medical insurance and emergency medical evacuation

Covers multiple trips over a period of up to 364 days

Deductible of $250 required for each covered trip

Copays required for medical care received in the U.S.

• Up to $1,000,000 of maximum coverage
• Up to $1,000,000 for emergency medical evacuation
• Up to $10,000 for trip interruptions
• Up to $1,000 for lost checked luggage
• Up to $100 per day for travel delays
• Up to $25,000 in personal liability coverage
• Medical coverage for eligible expenses related to COVID-19
• Ability to add coverage for your spouse and/or child(ren)
• Repatriation of remains coverage up to overall limit
• Up to $5,000 for local burial or cremation 
• $10,000 to $50,000 for common carrier accidental death

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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Do I Need Travel Insurance for Italy?

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Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Travel Insurance for Italy: Why You Need it, What it Includes + Best Italy Travel Insurance Review

Posted on Last updated: January 13, 2024

Looking for the best travel insurance for Italy? You’ve come to the right place!

In this article I have outlined everything you need to know about finding the right Italy travel insurance for you.

Including with whether you really need it or not, what travel insurance covers, what it doesn’t and my personal travel insurance recommendation.

I always suggest HeyMondo, as they’re very affordable, have a very comprehensive coverage and also include a few perks that many travel insurance companies usually overlook.

If you’re planning a dream trip to Italy, you want to make sure you have a good Italy travel insurance, that will cover any mishaps that happen along the way.

So what are you waiting for? Let’s dive in and find the perfect travel insurance for your Italy trip!

Click here to purchase your HeyMondo travel insurance for Italy; as a Greta’s Travels reader, you get a 5% discount!

• 1 Do I need travel insurance for Italy?
• 2.1 Bags & personal effects
• 2.2 Car issues
• 2.3 Medical assistance
• 2.4 Covid-19
• 2.5 Extreme sports
• 2.6 Trip cancellation and interruption insurance
• 3.1 You can buy it while you’re already abroad
• 3.2 24/7 assistance 
• 3.3 Assistance app
• 3.4 Flexibility
• 4 My experience with travel insurance

The harbour and colourful houses of Porto Venere

Do I need travel insurance for Italy?

It might not be the first thing you think of when you’re planning your Italy itinerary , but it’s a good idea to consider getting travel insurance for your trip to Italy.

In general, travel insurance is there to help you when things don’t go according to plan.

We all want to have the best trip ever, but things can happen that we can’t foresee – from flight cancellations, to lost luggage, and sometimes injuries and illness.  

Getting Italy travel insurance could really help to make your trip run a lot more smoothly, helping you to enjoy yourself without worrying.

I know you might not want to add the expense to your Italy travel budget , but trust me when I say, if something does go wrong you’ll be glad you paid for travel insurance, and not the thousands of euros that mishaps can cost.

Chilling by the Colosseum in Rome

Not only that, but travel delays are not uncommon in Italy and this kind of hiccup can be covered by your travel insurance. Lost or stolen luggage can also be a problem that is eased by travel insurance.

Another issue that you might come up against is petty theft. Like many other touristic cities in the world, you might experience this when exploring cities like Rome and Milan .

That’s not to say that Italy is particularly dangerous – it’s just something that can happen. But knowing you will be covered for any lost items by travel insurance can really ease any worries you have.

READ MORE: HOW TO SPEND 7 DAYS IN ITALY!

Sunset over Florence from Piazzale Michelangelo

Piazza del Duomo in Milan at Christmas, with Galleria Vittorio Emanuele and Milan Cathedral behind it

And then there’s the fact that you’ll be covered for medical treatment, too. Obviously no one wants to have a medical emergency while travelling, but if it does happen, it’s good to be covered for it.

The public healthcare in Italy is great, but you will need to pay for any treatment you receive if you don’t have any medical insurance to cover it.

If you have medical travel insurance, any treatment you receive will be covered by your insurance. This could save you literally thousands of dollars in the long-run as medical expenses can be pretty high!

Need help planning your Italy trip? Check out my useful travel guides below!

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How to spend 7 epic days in Sicily

How to plan the perfect Amalfi Coast itinerary!

1 awesome day in Rome!

4 days in Tuscany: Best of Siena, Pisa & Florence!

Manarola, one of the main towns along the Sentiero Azzurro in Cinque Terre

What does travel insurance cover?

When it comes to buying travel health insurance for Italy , there’s a few different things to consider. At first, working out which insurance to get can be confusing.

Different insurance policies will offer various types of coverage. Here’s what you should look out for in a policy to make sure you are protected for the things you want to be covered for…

Bags & personal effects

So you’re ready for your trip to Italy, you’ve decided what to pack for Italy and all of your expensive electronic equipment, and you’re ready for an amazing adventure…

But have you thought about what happens if your luggage gets lost by the airline? Or if something happens to damage any of your equipment?

Good Italy travel insurance will usually cover the loss or damage of your luggage.

Click here to purchase your HeyMondo travel insurance for Italy!

Sunset in Venice, Italy, a popular Mediterranean cruise destination

Relaxing on Cala Soraja in Spargi Island, Italy

Travel insurance from companies such as Heymondo will cover your baggage in case of delays or if it becomes lost in transit.

It’ll cover things like the cost of transport for lost luggage and compensate you for any items you have to buy to replace the lost luggage.

This could even cover any damage to your items that occurs during transit, so if you find that your camera hasn’t survived the flight, you could make a claim.  

Your luggage and personal items will also be covered in case of loss or theft. This is a particular lifesaver if an important document like your passport gets misplaced or even stolen.  

READ MORE: THE ULTIMATE ITALY BUCKET LIST!

Cycling in Vigo di Fassa in Trentino, Italy

For those of you who are taking a trip with expensive electronic equipment, you will probably want to take a closer look at the policy.

Coverage for single-trip usually covers baggage of up to $2,500, but your electronics may be worth much more than that in total.

You can opt to pay a premium for coverage of electronics and other devices so that you can claim if there’s an issue.  

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Exploring the rooftop of the Duomo cathedral in Milan, Italy

Travel insurance for a trip to Italy isn’t just about covering your lost luggage. If you plan to rent a car and take a road trip during your vacation, your travel insurance can actually help you there, too.

When you rent a car, you’ll often be offered additional travel insurance by the rental company, but your travel insurance may actually cover you for driving abroad as well.

The Heymondo travel insurance provides coverage for rental cars with an excess of up to $500. This means you can claim if your rental car is stolen, involved in an accident or is damaged while you’re renting it.

I don’t know about you, but sometimes driving a car in a different country can be a little nerve-wracking.

And worrying about insurance is something I don’t want on top of that, whether it’s concerns about you damaging the car or even another driver damaging your car!

The picturesque streets and views of Bellagio in Lake Como, Italy

Medical assistance

Having coverage for medical treatment is probably the most important reason to get travel insurance for Italy.

You never know when something might happen. All sorts of medical issues can happen while traveling – you might be going hiking and get injured, trip over while crossing the road, or have a sudden illness.

Being covered for these incidents can save you thousands of dollars in the long run, and also means you get access to much needed treatment when you need it.

Something like appendicitis can strike without warning and need immediate medical attention, and getting treatment for this without insurance is going to be super expensive.  

Travel medical insurance for Italy should cover a number of different things. This includes the transport to a medical facility and the medical repatriation back to your home country if it’s needed.

The insurance will also cover medical expenses abroad for any sudden illness or injury. They will pay for the hospital stay and any medication needed.

You will also be covered for emergency dental treatment that you might need when traveling abroad.

Exploring the Golfo di Orosei and Cala Luna by kayak in Sardinia, Italy

If the last few years have taught us anything, it’s that a global pandemic can really hamper our travel plans. Thankfully, we’re out there traveling the world again, but Covid can still cause delays.

Recent updates to travel insurance policy means you’ll be covered for any issues caused by Covid that might interrupt your trip.

The Heymondo policy, for example, provides great Covid protection for your trip, covering you if you happen to catch Covid during your trip.

This Covid coverage includes medical expenses, transport if your trip has been altered due to Covid, and trip cancellation in case of serious illness.  

Don’t miss out, get your Italy travel insurance here!

The Colosseum in Rome at sunset

Walking along the famous Lovers Walk in Varenna

Extreme sports

If you’re a traveler who likes to get out there and enjoy some extreme sports then travel insurance for Italy is definitely a good idea!

You might be spending Christmas in Italy , heading out to Trentino to do some skiing ; or perhaps you want to do some windsurfing in Sardinia  in summer; or you might want to do a bit of rock climbing.

Whatever it is that you’re doing, it’s a good idea to be covered for it.  

Lots of travel insurance companies like Heymondo offer coverage for a long list of activities such as kayaking, snorkeling, and even hot-air balloon rides.

You may have to purchase an add-on to your travel insurance for other adventure sports like quad biking, bungee jumping, and horse riding.  

Skiing at the top of Ghiacciaio Presena close to Passo del Tonale

Trip cancellation and interruption insurance

Sometimes your dream trip just doesn’t go to plan and you might not be able to actually go. Travel insurance will also cover you for cancellation and any interruption to your trip.

Heymondo , for example, will cover any cancellation costs up to $7,000, this means you will be reimbursed for the money you have paid for your trip.

You will also be eligible to make a claim if you have to cut your vacation short and return home early if something like a member of your family falls ill at home.  

Click here to get a travel insurance quote by HeyMondo!

Piazza del Duomo in Milan, Italy

Why Heymondo?

There are a lot of travel insurance companies out there, and you’re probably wondering why Heymondo is so good.

Well, there are several great points that single out Heymondo as a great option for avid adventurers like yourself…

You can buy it while you’re already abroad

This is one of the key things I really like about Heymondo . Very few travel insurance companies actually offer this, and I think it’s great.

So that means if you forget to set yourself up with some travel insurance before you travel, you can buy it later while you’re on your trip. Very convenient.

Admiring the colourful houses of Manarola, one of the five towns along the Sentiero Azzurro in Cinque Terre, Italy

The view over the Sassi of Matera from our bnb; The View Matera

24/7 assistance 

It’s really annoying when you can’t get hold of important companies like your bank or insurance company because they’re “closed”.

In this day and age of the internet, with people working and traveling all over the world in different timezones, it makes sense for things to be more available, which is why Heymondo’s 24/7 assistance is a godsend.

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Our gondola ride took us close to Rialto Bridge

View over the Roman Forum and the Colosseum from the Campidoglio

Assistance app

Another thing that’s good about Heymondo is their app. It’s yet another modern element about this company that allows you to make any changes you want, when you want them. It’s all there in the app.

Flexibility

Whether you want coverage for a short break, longer trip, or many different trips one after the other, Heymondo will have you sorted.

The multi trip coverage is particularly handy, as it provides insurance for any and all of the trips you plan to take in a year (up to 60 days at a time).

Click here to compare prices for your Italy travel insurance!

Enjoying the view over Ragusa in Sicily

My experience with travel insurance

I often jokingly say that this section should be called; “My experience without travel insurance and why you should be smarter than me and purchase travel insurance “.

I’ll admit I haven’t always been the most responsible or forward thinking traveller. I consider myself a very chill and easy-going person, which means I often tend to forget about serious “adult” things when I plan my trips.

Travel insurance is unfortunately one of these. It’s not that I don’t want to pay for it, I just often forget to buy it before setting off on a trip (which is why I love the “already abroad” option by HeyMondo )!

Lago di Carezza (or Karersee Lake) with its towering mountains and perfect reflection at golden hour

Long story short, a few years ago I was in Tenerife, where I caught a UTI that developed into a kidney infection, and I ended up hospitalised for two nights.

Despite being in Europe, I went to a private clinic since at the public hospital they made me wait for 3 hours with a 40°C temperature, and nobody ever attended me.

I weighed it up for a while and then just accepted I’d pay the 2,000 EUR bill, as I was feeling too horrible to wait any longer in the hospital waiting room.

Find your perfect hotel in Italy!

Best Places to Stay in Milan: Tips from a Local!

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7 Best Areas to Stay in Rome! Or check out my guides on the best Rome Airbnbs , hotels near the Pantheon or hotels near the Colosseum !

Best Towns & Areas to Stay in Lake Como!

Where to Stay in Florence!

Exploring the picturesque streets of Bellagio in Lake Como, Italy

If you have good travel insurance, you don’t need to torture yourself like I did weighing up pros, cons and expenses. Just head straight to the fanciest private clinic in the area and get help straight away.

And while medical expenses might be the most obvious reason why travel insurance is important, there are so many things that can go wrong which travel insurance can cover you for.

Think about delayed flights and missed connections, lost luggage, stolen electronics, and many others. Whatever little inconvenience happens on your trip, there is a pretty good chance travel insurance will cover you for it.

Travel to Italy without worries, purchase your travel insurance here!

The beautiful Trevi fountain in Rome

After this initial shock experience in Tenerife, I have used HeyMondo on every trip I’ve been on. Luckily, I haven’t had to use it very often, but there have been two cases where I needed to use it.

Once for a slight tonsillitis and once for a theft. I was very impressed with how the tonsillitis was handled.

I called HeyMondo through the app, they told me where the closest medical centre was and emailed them a payment pre-approval confirmation.

When I arrived at the medical centre they were already expecting me, they visited me within ten minutes, prescribed me the right medication and off I went, without paying anything extra.

Exploring the Greek amphitheatre of Taormina at sunset

Regarding the theft, after the trip I had to submit the police report of the theft, along with the receipts of the stolen items. 

I didn’t get back as much as I would have liked, but that’s my own fault for not purchasing the electronics protection extra when travelling with a lot of camera gear.

Besides that, the whole process was super simple and got carried out efficiently. It took less than three weeks from when I first opened the claim to when I received the refund.

I wouldn’t recommend anything that I don’t personally use, which is why I’m proactively recommending HeyMondo . I’ve used it before, and I can guarantee it’s a good option when it comes to travel insurance.

Sunset over the perched colourful houses of Riomaggiore in Cinque Terre, Italy

Final thoughts on the best travel insurance for Italy

There you have it, the ultimate guide to finding the perfect travel insurance for Italy. Have you been to Italy before? How did you find it? Let me know in the comments below!

Travel insurance is an essential part of trip planning, and yet many people forget about it. We all want our trips to run as smoothly as possible, but we can’t predict the inconveniences that might happen on the road.

Medical emergencies, delayed flights, missed connections, missing suitcases, theft, the list goes on! Ideally, we wouldn’t want any of that to happen.

But if it doesn’t happen while you’re on a dream trip to Italy, wouldn’t you feel more comfortable knowing you have a solid travel insurance that will cover the expenses?

Get yourself a HeyMondo travel insurance for Italy, and head to the Bel Paese without having to worry about a thing!

I hope you found this article useful in understanding why you need travel insurance for Italy, and why HeyMondo is the best option for you. If you have any questions, just let me know in the comments below!

Click here to purchase your Italy travel insurance!

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Italy Travel Insurance

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If you have saved a quote within the past 14 days you can quickly and easily retrieve the quote and add, modify and change information for that quote. In the top right corner of the quote you saved you will see a unique number.

Is travel insurance required to enter Italy? 

Your Visa status will determine if you need travel insurance.  For example, international tourists who require a Schengen Visa to enter Italy must have valid travel insurance to apply for an Italian visa. However, if you can travel to Italy visa-free, then travel insurance is not mandatory.  

Why should you buy Travel Insurance to visit Italy? 

If you have a Schengen Visa, you must purchase travel insurance to enter Italy and other Schengen countries.  We recommend purchasing a trip cancellation insurance policy that provides additional coverage if something unforeseen were to occur while visiting.  Our Trip Cancellations policies also offer benefits for trip delay and trip interruption and on select plans, we offer the Cancel for Any Reason Benefit. 

Do Trawick International trip cancellations plans cover COVID-19? 

Yes, most of our plans treat COVID-19 like any other sickness. 

Optional Cancel for Any Reason coverage: 

On select trip cancellation plans, Trawick International offers the hard to find Cancel for Any Reason (CFAR) benefit that provides reimbursement for 75% of the prepaid, nonrefundable, forfeited payments you paid for your trip if you cancel your trip for any reason not otherwise covered by this policy - like border closures or travel bans.  This coverage MUST be purchased with the initial policy and within 21 days of the initial trip deposit date, and the full, nonrefundable trip cost is insured. (This benefit is not available in every US state). 

How much does travel insurance cost?

Many factors contribute to the cost of your travel insurance, such as your age, trip cost, length of trip, and other factors.  Please remember when you purchase a trip cancellation plan with Trawick International to include all non-refundable travel expenses so you can recover the investment if your trip is canceled or interrupted. 

When should I buy travel insurance? 

We recommend purchasing travel insurance within 21 days of the initial trip deposit date and include all prepaid, nonrefundable trip costs. By doing this, you will be eligible for CFAR and Financial default on a select trip cancellation plan. Please remember you can still purchase travel insurance after 21 days, but you may not be eligible for certain travel benefits. 

PLEASE NOTE: Guidelines may have changed since this was published. Before traveling, you should always check your destination's COVID-19 situation and travel requirements. Countries may have their own entry and exit requirements. Additionally, always check for travel advisories in the area to which you are traveling. Refer to https://www.cdc.gov/ and https://travel.state.gov/content/travel.html for up-to-date information and guidelines.

Privacy Policy

Trawick International’s Privacy Policy

Welcome to our website.  We appreciate your interest in us.  We take the privacy of our customers very seriously and are committed to protecting your privacy. This policy explains how we collect, use, and transfer your personal data, and your rights in relation to the personal data stored by us when you use our website or otherwise engage with our services.

Effective October 3, 2023

This policy sets out the following:

• What personal data we collect about you and how;
• How the data is used;
• Our legal basis for collecting your information;
• Who we share your data with;
• Where we transfer your information;
• How long we retain your information for;
• Your rights and choices in relation to the data held by us;
• How to make a complaint in relation to the data held by us;
• How to contact us with any queries in relation to this notice, or the personal data held by us.

Who is Trawick International?

Trawick International (“we,” “us,” or “our”) provides worldwide travel medical insurance, travel insurance, trip insurance for trip cancellation or trip interruption, international student insurance, group travel insurance, and many other products designed specifically for those traveling.  Our travel insurance programs are designed for those traveling to the USA, individuals traveling abroad, US Citizens who are traveling in the USA and non US citizens traveling from their home country but not visiting the USA.  We offer an extensive worldwide network of quality physicians, hospitals, and pharmacies.  We cover employees, corporations, schools, frequent world travelers, international students, study abroad programs, missionary trips, and just the casual vacation traveler.  Our individually customized plans can cover hospital stays, doctor visits, x-rays, prescriptions, ambulance, emergency evacuation, repatriation, flight insurance, trip interruption, trip cancellation, trip delay, and lost baggage.   

For the purposes of European data protection laws, if you are visiting our  website www.trawickinternational.com (or otherwise engaging with our services from the European Economic Area (or "EEA"), the data controller of your information is Trawick International.

What is personal data?

In this privacy policy, references to "personal information" or "personal data" are references to information that relates to an identified or identifiable individual. Some examples of personal data are your name, address, email, and telephone number, but it may also include information such as your IP address and location in certain jurisdictions.

What personal data do we collect?

We collect personal data that you provide to us when you sign up for our services, such as your contact information and financial information. We may also collect commercial information based on how you interact with our services, such as the products or services you’ve purchased or other Internet or network activity, such as your website browsing history or mobile device information.

Below are some more details on the type of personal data we collect.

Information that is provided by you:

In order to provide services to you we may ask you to provide personal information. This may include, amongst other things, your name, email address, postal address, telephone number, gender, date of birth, passport number, bank account details, credit history and claims history, citizenship status, marital status depending on the service you are seeking. The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point at which we ask you for it or upon request.

Some of the information that you provide may be “special category” (or “sensitive”) personal data. Sensitive personal data relates to your racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, genetic data, biometric data for the purpose of uniquely identifying a natural person, data concerning health or data concerning a natural person’s sex life or sexual orientation, and can sometimes be inferred from other, non-sensitive, information that you have provided.

Information that we collect on our website:

When you visit our website, we will seek your consent to collect certain information from your device. In some countries, including countries in the EEA, this information may be considered personal information under applicable data protection laws.

Specifically, the information we are seeking to collect includes information like your IP address, device type, unique device identification numbers, browser type, broad geographic location ( e.g., country or city-level location) and other technical information. We may also collect information about how your device has interacted with our website, including the pages accessed and links clicked.

Collecting this information enables us to better understand visitors to our website, where they come from, and what content on our website is of interest to them. We use this information for our internal analytics purposes and to improve the quality and relevance of our website to our visitors.

Some of this information may be collected using cookies and similar tracking technology, as explained further under the heading “Cookies" below.

Information that we obtain from third party sources:

From time to time, we may receive personal information about you from third party sources but only where we have checked that these third parties either have your consent or are otherwise legally permitted or required to disclose your personal information to us.

For information about a third party’s usage and/or sharing of your personal data, please refer to the third party’s own privacy statement.

We may, where we are legally permitted to, also collect personal data from the following sources in order to provide services to you:

• Credit reference agencies;
• Anti-fraud and other databases;
• Government agencies;
• Electoral register;
• Court judgments;
• Sanctions lists;
• Family members; and
• In the event of an insurance claim: the other party to the claim, witnesses, experts, loss adjusters, solicitors, and claims handlers.

How is personal data used?

We may need to use your personal data in order to carry out the following activities:

• To set you up as a new client (including carrying out “know your customer” checks);
• To provide you with an insurance quote;
• To provide our products and services to you;
• To respond to your inquiries;
• To accept payments from you;
• To communicate with you about your policy;
• To renew your policy;
• To obtain reinsurance for your policy;
• To process insurance and reinsurance claims;
• For general insurance administration purposes;
• To comply with our legal and regulatory obligations;
• To model our risks;
• To defend or prosecute legal claims;
• To investigate or prosecute fraud;
• To respond to your enquiries; or
• To secure our network and our website, debug the website and repair errors;
• To conduct audits related to our interactions with you;
• To make our products and services better and to develop new products and services;
• To send you notices and information regarding our products or services, including notifying you about special promotions or offers, where we are legally permitted to do so; and
• Enforce our Terms and other usage policies and comply with legal requirements.

Our legal basis for collecting your information:

Our legal basis for collecting and using your personal data will depend on the personal data concerned and the specific context in which we collect it.

We will normally collect personal data where we need the information to provide you with our services / perform a contract with you, where the processing is in our legitimate interests and not overridden by your data protection interests or fundamental rights and freedoms, or with your consent.

In some cases, we may use your personal data for a legal obligation, e.g., in order to complete “know your customer” and money laundering checks before taking you on as a new client.

If we ask you to provide personal information to comply with a legal requirement or to perform a contract with you, we will make this clear at the relevant time and advise you whether the provision of your personal information is mandatory (as well as of the possible consequences if you do not provide your personal information). You are under no obligation to provide personal data to us. However, if you should choose to withhold requested data, we may not be able to provide you with certain services.

Similarly, if we collect and use your personal information in reliance on our legitimate interests (or those of any third party), we will make clear to you at the relevant time what those legitimate interests are.

If you are a UK resident, we may collect and use your personal information, including sensitive personal information, on the basis of the insurance derogation in the UK Data Protection Act 2018.

If you are an EU resident, we may collect and use your personal information, including sensitive personal information, on the basis of the substantial public interest of insurance purposes, as regulated in the General Data Protection Regulation (GDPR).

If you have questions about or need further information concerning the legal basis on which we collect and use your personal information, please contact us using the contact details provided under the “Contact Us" section below.

Who is your personal data shared with?

We may disclose your personal information with the following categories of recipients.

• To our group companies, third party service providers and partners who provide data processing services (for example data hosting and storage companies, email marketing affiliates, and payment and claims processing companies) or who otherwise process personal information for purposes that are described in this Privacy Policy (see “How is personal data used?”).
• To any competent law enforcement body, regulatory, government agency, court or other third party where we believe disclosure is necessary (i) as a matter of applicable law or regulation, (ii) to exercise, establish or defend our legal rights, or (iii) to protect your vital interests or those of any other person;
• To a potential buyer (and its agents and advisers) in connection with any proposed purchase, merger or acquisition of any part of our business, provided that we inform the buyer it must use your personal information only for the purposes disclosed in this privacy policy;
• To any other person with your consent to the disclosure.

We do not sell (or exchange) your personal information for monetary compensation.

If you are a US resident, from time to time we may share your personal information with third parties for a third party’s own direct benefit and this type of sharing may be considered a sale under certain applicable laws. For more information on the type of information we may share in this manner, please contact us.

International Transfers

Your personal data may be transferred to, and processed in, countries other than the country in which you are resident. These countries may have data protection laws that are different to the laws of your country.

Specifically, the servers of Trawick International are located in the United States. Trawick International partners with many other international companies.  This means that when we collect your information, we may process it in other countries.

We have taken appropriate safeguards to require that your personal data will remain protected in accordance with this privacy policy. We have also taken appropriate  safeguards with our third party service providers and partners.

How long is personal information retained?

We will keep your personal data on our records for as long as we have an ongoing legitimate business need to do so. This includes providing you with a service you have requested from us or to comply with applicable legal, tax or accounting requirements. It also includes keeping your data for so long as there is any possibility that you or we may wish to bring a legal claim concerning our services, or where we are required to keep your data for legal or regulatory reasons. Please contact us using the contact details provided under the “Contact Us" section below should you require further information on our record retention procedures.

We may also retain your personal data where such retention is necessary in order to protect your vital interests or the vital interests of another natural person.

Your Rights as a Data Subject

You have the right to opt out of marketing communications we send you at any time. You can exercise this right by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

If you are an EU resident, you will need to opt-in to receive marketing from us. If you then wish to unsubscribe at any point, you can do so by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

Similarly, if we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information that was lawfully collected on grounds other than consent.

You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws.

You may exercise any of your rights in relation to your personal data by contacting us using the details set out in the “Contact us” section at the bottom of this page.

If you are resident in the UK or EU, your principal rights under data protection law are as follows:

• the right to access;
• the right to rectification;
• the right to erasure;
• the right to restrict processing;
• the right to object to processing;
• the right to data portability;
• the right to complain to a supervisory authority; and
• the right to withdraw consent.

If you wish to access, correct, update or request deletion of your personal information, we will ask you to provide us with a copy of any two of the following documents: Driver’s license; Passport; Birth certificate; Bank statement (from the last 3 months); or Utility bill (from the last 3 months). With regards to your right of access, the first access request will be complied with free of charge, but additional copies may be subject to a reasonable fee.

In addition, you can object to processing of your personal information, ask us to restrict processing of your personal information or request portability of your personal information.

If we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information conducted in reliance on lawful processing grounds other than consent. You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

Contact details for other data protection authorities in the European Economic Area, Switzerland and certain non-European countries (including the US and Canada) are available  here .

If you are based in the UK or EU, you may exercise any of your rights in relation to your personal data by contacting us using email or you can use the details set out in the “Contact Us” section at the bottom of this page.

If you are resident in the US, applicable law may entitle you, upon verifiable request, to receive disclosures relating to:

• The categories and specific pieces of information we have collected;
• The categories of sources from which the personal information is collected;
• The business or commercial purpose for collecting personal information; and
• The categories of third parties with whom we share personal information.

If you wish to exercise any of the rights described above, we will ask you to verify your identity. We generally will not charge to reply to your request, but we may charge a reasonable fee or refuse your request if the request is unjustified or excessive.

Automated decision making

In some instances, our use of your personal information may result in automated decisions being taken (including profiling) that legally affect you or similarly significantly affect you.

Automated decisions mean that a decision concerning you is made automatically on the basis of a computer determination (using software algorithms), without our human review. For example, in certain instances we may use automated decisions to establish whether we will propose insurance coverage to a prospective insured. We have implemented measures to safeguard the rights and interests of individuals whose personal information is subject to automated decision-making.

When we make an automated decision about you, you have the right to contest the decision, to express your point of view, and to require a human review of the decision.

As mentioned above, we may use your personal data to send you marketing materials.

If you are a UK or EU resident, you will need to opt-in to receive marketing from us. If you then wish to unsubscribe at any point, you can do so by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

If you are resident in the US, you do not need to opt-in to receive marketing materials from us, and you have the right to opt-out of receiving such communications. If you would like to stop receiving marketing information from us, please unsubscribe by clicking the “unsubscribe” link in the relevant marketing email or contacting us.

Trawick International is committed to keeping our customers’ data safe. We have security measures in place designed to protect against the loss, misuse, and/or alteration of personal data under our control. Although we cannot ensure or guarantee that loss, misuse, or alteration of data will not occur, we use our best efforts to prevent this. If you have any concerns that your Trawick International account or personal data has been put at risk, please contact us.

Our sites use cookies (a small piece of information that is placed on your computer when you visit certain websites) to distinguish you from other users, to track your browsing pattern and to build a profile of how you and other users use our sites. This helps us to provide you with a good experience when you browse any of our sites and also allows us to improve our sites. If you have an online account with us, we also use cookies to recognize you to pre-fill forms to save you time. Trawick International does not mandate cookies for you to access our sites and you may freely set your browser to reject all cookies or prompt you to accept or reject them. Some of the cookies we use are session cookies and only last until you close your browser, others are persistent cookies which are stored on your computer for longer. We may collect information through web beacons about your web browsing activities such as the address of the page you are visiting, the address of the referrer page you had previously visited, the time you are viewing the page, your browsing environment, and your display settings. We do this in order to optimize your browsing experience, the use of web-based services and provide you with relevant information on Trawick International products and services when you have opted-in to receiving such correspondence.

We will not respond to Web browser “do not track” signals. If you would like additional information about online tracking and various opt-out mechanisms, please see https://youradchoices.com/

Because we may link to social media sites, and from time to time may include third-party advertisements, other parties may collect your personally identifiable information about your online activities over time and across different web sites when you visit this Site.

Please note that not all tracking will stop even if you delete cookies.

Children's Data

Our websites and applications are not directed to children under 16 and we do not knowingly collect any personal information directly from children under 16. If you believe that we are processing personal information pertaining to a child inappropriately, we ask you to contact us using the information provided under the “Contact Us” section.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time in response to changing legal, technical, or business developments. When we update our Privacy Policy, we will take appropriate measures to inform you, consistent with the significance of the changes we make. We will obtain your consent to any material Privacy Policy changes if and where this is required by applicable data protection laws.

You can see when this Privacy Policy was last updated by checking the “effective date” displayed at the top of this Privacy Policy.

Any changes will be effective only after the effective date of the change and will not affect any dispute arising prior to the effective date of the change.

If you have any questions about this Privacy Policy, please contact us using the following contact details:

Post Office Box 2284

Fairhope, Alabama USA 36533

Toll Free Telephone Number: +1 (888) 301-9289

Terms and Conditions of Use

Important information.

The information contained in this website is not intended to be an offer to sell or a solicitation in connection with any product or service by Trawick International Inc., in any jurisdiction where such an offer or solicitation would be unlawful or in which Trawick International, Inc., is not qualified to do so. Products and services described in this website may not be available in all jurisdictions. Not all insurance products described in this website are available to all persons in all States, Countries, or other jurisdictions at all times.

All products contain certain conditions, restrictions, limitations and eligibility requirements. The information contained in this website is not intended to be a complete description of all terms, exclusions and conditions applicable to the products and services. For complete terms, exclusions and conditions applicable to the products offered please contact Trawick International .

By using this website, you agree to the terms of its use. If you do not agree to these terms, PLEASE DO NOT USE THIS WEBSITE. For additional information or questions, please contact Trawick International or your independent insurance broker or agent.

TERMS & CONDITIONS OF USE

Effective Date: October 6, 2023

INTRODUCTION

THESE TERMS & CONDITIONS OF USE (“T&C”) GOVERN YOUR USE OF TRAWICK INTERNATIONAL, INC.’S (“COMPANY”, “WE”, “OUR”, OR “US”) WEBSITE LOCATED AT WWW.TRAWICKINTERNATIONAL.COM OR OTHER WEBSITES CONTROLLED BY COMPANY AND ITS AFFILIATES AS WELL AS ANY DOCUMENTS EXPRESSLY INCORPORATED BY REFERENCE AND ANY RULES AND POLICIES PUBLISHED ON THIS WEBSITE (THE “WEBSITE”).

BY ACCESSING THIS WEBSITE, YOU AGREE TO THE T&C, REVISIONS, AND MODIFICATIONS. ALL CHANGES ARE EFFECTIVE IMMEDIATELY UPON POSTING, AND APPLY TO ALL ACCESS TO AND USE OF THE WEBSITE THEREAFTER. ANY CHANGES WILL NOT EFFECT ANY DISPUTES ARISING PRIOR TO THE EFFECTIVE DATE OF THE CHANGE. WE MAY SEND YOU NOTICES WITH RESPECT TO THE WEBSITE IN VARIOUS MEDIUMS, INCLUDING BY EMAIL ADDRESS, POSTAL MAIL, AND/OR BY POSTING ON THE WEBSITE.

ARBITRATION NOTICE: EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE “ARBITRATION AND CLASS ACTION WAIVER” SECTION BELOW, AND IF YOU DO NOT OPT-OUT AS SET FORTH IN THAT SAME SECTION, YOU AGREE THAT DISPUTES BETWEEN YOU AND COMPANY OR ITS AFFILIATES WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION, AND YOU WAIVE YOUR RIGHT TO BRING OR RESOLVE ANY DISPUTE AS, OR PARTICIPATE IN, A CLASS, CONSOLIDATED, REPRESENTATIVE, COLLECTIVE, OR PRIVATE ATTORNEY GENERAL ACTION OR ARBITRATION.

ACCESS TO THIS WEBSITE

To access the Website or some of its resources, you may be asked to provide certain personal details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete.

In addition, certain other services of the Website, such as applying for coverage, may be governed by additional or different terms and conditions. You should carefully review those terms and conditions as they are referenced and/or presented to you.

We reserve the right to withdraw, amend, disable or suspend this Website, and any service or material we provide on the Website, in our sole discretion with or without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of the T&C.

Your privacy matters to us. Your use of the Website is also subject to our Privacy Policy that is available online here (“Privacy Policy”) and is incorporated into and made a part of these Terms of Use. The Privacy Policy is subject to change, and you are encouraged to review the Privacy Policy whenever you supply the Website with any information because you agree that Company can collect, use, and share your information consistent with that policy.

RESTRICTIONS ON USE

You may use this Website only for your internal, non-commercial purposes. You agree not to use this Website in any way that violates any applicable federal, state, local or international law or regulation. You further agree to maintain and update your registration data as needed to keep it accurate, current and complete. You may not use this Website or any of the content, defined below, contained on it for any other purpose, including any unpermitted commercial purpose, unless we provide our prior written consent to such use.

Uses requiring our prior written consent include the following, without limitation:

• Co-branding this Website;
• Framing this Website;
• Using any robots, scrapers, spiders, data mining tools, or any similar device, tool, software, or process;
• Hyper-linking to specific product or coverage information; or
• Reselling or remarketing the content, as defined below.

"Co-branding" means displaying a name, logo, trademark or other means of attribution or identification of any party in a manner reasonably likely to give a user the impression that the other party has the right to display, publish or distribute this Website or its content. You will cooperate fully with Company and its affiliates in causing any unpermitted or unauthorized activity of yours or a third party authorized by you to cease immediately. To the extent that such unpermitted or unauthorized use continues after notice from Company or its affiliates, you agree to pay or reimburse us for any and all costs (including attorney fees if applicable) associated with ending or terminating such use.

You agree not to impersonate or attempt to impersonate the Company, a Company employee, another user or any other person or entity (including, without limitation, by using e-mail addresses associated with any of the foregoing).

PROHIBITED USES AND ACTIONS

Additionally, you specifically agree not to:

• decompile, reverse engineer, disassemble, modify, reduce the Website to human perceivable form or create derivative works based upon the Website or any part thereof;
• disable any licensing or control features of the Website;
• “frame” the Website or any portion thereof or otherwise cause the Website or its contents to appear to be provided by anyone except Company and its affiliates;
• merge the Website or materials with another program or create derivative works based on the Website or materials;
• remove, obscure, or alter any notice of the copyright or other proprietary legends on the Website or materials;
• sublicense, assign, translate, rent, lease, lend, resell for profit, distribute or otherwise assign or transfer the materials or access to the Website to others;
• use the Website by means of any automated program, expert system, electronic agent or “bot,” and shall not give any person or entity access to the Website;
• utilize any “scraping,” copying, republishing, licensing, or selling the data or information on the Website.

PURCHASES AND PAYMENT

Company accepts a variety of payment methods as reflected on the Website. Before you can submit a request for purchase using the Website, you may be required to provide a valid card number and associated information for a payment card that you are authorized to use, including any of or all of the following: (i) your name as it appears on the card; (ii) the credit or debit card type, (iii) the card’s expiration date; (iv) any activation numbers or codes needed to charge your card; and (v) the billing address or zip code or postal codes associated with your card. You authorize Company and/or its affiliates, payment processor to use information you submit to charge your card or other payment method for the price of purchase requested, in addition to any taxes, fees, and charges as described in the T&C, at our convenience, including as early as at the time of the purchase request is submitted.

PROPRIETARY INFORMATION & TRADE SECRETS

The material and content accessible from this Website and any other website Company or its affiliates owns, operates, licenses or controls (the “content”) is the proprietary information of Company and its affiliates or the party that provided the Content to us, and Company and its affiliates or such party retains all right, title and interest in the content. Accordingly, the Content may not be copied, distributed, republished, uploaded, posted, rented, leased, distributed, modified or transmitted in any way without the prior written consent of Company and its affiliates, except that you may print out a copy of the content solely for your own personal use. In doing so, you may not remove or alter, or cause the removal or alteration of, any copyright, trademark, trade name, service mark or any other proprietary notice or legend appearing on any of the content. Modification or use of the content, except as expressly provided herein, may violate Company’s and its affiliates’ intellectual property rights or a third party’s rights. Neither title nor intellectual property rights in the content are transferred or licensed to you by these Terms or your access of this Website.

Certain information provided to you by Company or its affiliates through non-public portions of the Website may be confidential or trade secret information. You may use or disclose such information only to the extent necessary for the purposes it was disclosed to you. You may not use the Website to circumvent the terms of any referral agreement or in any other manner that is not consistent with the business purpose of the Website. When reasonable, you must return or destroy such information when you have fulfilled such purpose.

INTELLECTUAL PROPERTY

Company and its affiliates (or the party that provided to Company) are the owner or licensee of all intellectual property rights on the Website (including trademarks, service marks and logos) and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved, and we or those parties retain all rights with respect to such respective marks. In accessing the Website you agree that you will access its contents and use it solely for your personal, non-commercial use. The Website, including its contents, may not be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the copyright holder. This excludes downloading, copying and/or printing of pages of the Website for personal, non-commercial home use only.

The Company’s name and logo may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this Website, without prior written permission. You are not authorized to use our logo as a hyperlink to this Website unless you obtain our written permission in advance, although we permit you to use certain designated features of the Website to use our logo as a hyperlink for designated purposes. You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent.

Except as provided below, none of the materials of the Website may be copied, distributed, displayed, downloaded, or transmitted in any form or by any means without the prior written permission of Company and its affiliates or the intellectual property right owner. Unauthorized use of any materials contained on this Website may violate copyright laws, trademark laws, the laws of privacy and publicity, and/or other regulations and statutes. If you believe that any of the materials infringe on any of your intellectual property rights or rights of others, please contact us immediately at the address provided below. Except as expressly provided herein, Company and its affiliates and the third parties reserve all rights with respect to the Materials, and may pursue all legally available options under both civil and criminal laws (and may cooperate with law enforcement agencies) in the event of any violations, including but not limited to the right to terminate accounts of any user who has infringed a third party’s copyright. Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to the Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL NOT RECEIVE A RESPONSE.

HYPER-LINKS

We may hyper-link from the Website to other websites that are not maintained by, or related to, Company or its affiliates. Such hyper-links are provided as a service to you, and the other websites may not be officially sponsored by or affiliated with this Website or Company and its affiliates. Such other websites are solely responsible for their content. We are under no obligation to maintain any link on this Website and may remove any such link at any time in its sole discretion for any reason whatsoever. Access hyper-links and third party websites at your own risk.

COMPANY AND ITS AFFILIATES MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE CONTENT OF HYPER-LINKED OR THIRD-PARTY WEBSITES. SUCH HYPER-LINKS ARE PROVIDED TO YOU “AS-IS” “WHERE IS,” AND WE SPECIFICALLY DISCLAIM ANY WARRANTIES WITH REGARD TO COMPLETENESS OR ACCURACY OF THESE HYPER-LINKS OR THE WEBSITES THAT ARE HYPER-LINKED TO THIS WEBSITE. THE INCLUSION OF ANY HYPER-LINK TO A THIRD-PARTY WEBSITE DOES NOT NECESSARILY IMPLY ENDORSEMENT BY OR AFFILIATION WITH COMPANY AND ITS AFFILIATES OF THAT WEBSITE.

SOCIAL MEDIA FEATURES

This Website may provide certain social media features that enable you to:

• link from your own or certain third-party websites to certain content on this Website.
• send e-mails or other communications with certain content, or links to certain content, on this Website.
• cause limited portions of content on this Website to be displayed or appear to be displayed on your own or certain third-party websites.

You may use these features solely as they are provided by us and solely with respect to the content they are displayed with and otherwise in accordance with any additional terms and conditions we provide with respect to such features. Subject to the foregoing, you must not:

• establish a link from any website that is not owned by you.
• cause the Website or portions of it to be displayed, or appear to be displayed by, for example, framing, deep linking or in-line linking, on any other site.
• link to any part of the Website other than the homepage.
• otherwise take any action with respect to the materials on this Website that is inconsistent with any other provision of these Terms of Use.

You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice. We may disable all or any social media features and any links at any time without notice in our discretion.

SUBMISSIONS

You hereby grant to Company and its affiliates the royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display all stories, anecdotes, “Similes,” content, remarks, suggestions, ideas, graphics, inventions, methods, process, algorithms or other information communicated to us through this Website (collectively, the “Submission”), and to incorporate any Submission into other works in any form, media or technology now known or later developed. We may use any submission in our business (including without limitation, for products or advertising) without incurring any liability for royalties or any other additional consideration of any kind, and will not incur any liability as a result of any similarities to the submission that may appear in our future operations. By providing a Submission, you warrant that you have the right to provide the Submission and that all moral rights in the Submission have been waived.

COMPANY AND ITS AFFILIATES CANNOT AND DOES NOT GUARANTEE OR WARRANT THAT ANY FILES AVAILABLE FOR DOWNLOADING FROM THE INTERNET ARE FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT MAY HAVE CONTAMINATING OR DESTRUCTIVE PROPERTIES. YOU ARE RESPONSIBLE FOR IMPLEMENTING SUFFICIENT PROCEDURES AND CHECKPOINTS TO SATISFY YOUR PARTICULAR REQUIREMENTS FOR SECURITY, FOR ACCURACY OF DATA INPUT AND OUTPUT, AND FOR MAINTAINING A MEANS EXTERNAL TO THIS WEBSITE FOR RECONSTRUCTING LOST DATA. WE DO NOT ASSUME ANY RESPONSIBILITY OR RISK FOR YOUR USE OF THE INTERNET OR THE WEBSITE.

USE THIS WEBSITE AT YOUR OWN RISK. EXCEPT AS MAY BE EXPRESSLY STATED IN OTHER APPLICABLE TERMS AND CONDITIONS OR SIMILAR AGREEMENT, THE CONTENT IS PROVIDED “AS IS” AND "AS AVAILABLE" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. WE DISCLAIM ALL WARRANTIES INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT ANY FUNCTIONS OR CONTENT CONTAINED IN THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE OF THE CONTENT OR RESULTS THEREOF IN TERMS OF ACCURACY, RELIABILITY OR OTHERWISE EXCEPT FOR THE PERSON AND/OR FOR THE USE INTENDED. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND WE MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT COMPANY AND ITS AFFILIATES, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS WEBSITE OR THE CONTENT. WE MAKE NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUME NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.

BY ACCESSING THIS WEBSITE, YOU UNDERSTAND THAT YOU MAY BE WAIVING RIGHTS WITH RESPECT TO CLAIMS THAT ARE AT THIS TIME UNKNOWN OR UNSUSPECTED, AND IN ACCORDANCE WITH SUCH WAIVER, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND, AND HEREBY EXPRESSLY WAIVE, THE BENEFITS OF SECTION 1542 OF THE CIVIL CODE OF CALIFORNIA, AND ANY SIMILAR LAW OF ANY STATE OR TERRITORY, WHICH PROVIDES AS FOLLOWS: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR."

The descriptions of products and services contained on this Website are intended to provide a reference guide to the types of products and services offered by Company and its affiliates and are not intended to be relied upon by clients or business partners. Some products and services referenced on this Website may not be available in all areas. Please contact us directly if you wish to obtain specific information concerning the products and services referenced on this Website. All of the information in this Website, whether historical in nature or forward-looking, speaks only as of the date the information was posted on this Website, and we do not undertake any obligation to update such information or to remove such information from this Website, if it is not or is no longer accurate or complete.

LIMITATION ON LIABILITY

TO THE EXTENT PERMITTED BY LAW OR REGULATION, COMPANY AND ITS AFFILIATES, ITS SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS AND DIRECTORS WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER DAMAGES, INCLUDING LOSS OF USE, REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES THAT RELATES IN ANY WAY TO THE USE OF OUR WEBSITE OR WHICH MAY ARISE OUT OF ANY PERSON'S ACCESS OR INABILITY TO ACCESS THIS WEBSITE OR RELIANCE ON THE INFORMATION CONTAINED ON THIS WEBSITE. TO THE EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COLLECTIVE LIABILITY OF COMPANY AND ITS AFFILIATES AND ITS SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID TO COMPANY OR ITS AFFILIATES FOR THE APPLICABLE CONTENT OR SERVICE OUT OF WHICH LIABILITY AROSE. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, COMPANY’S LIABILITY SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW IN SUCH STATE OR JURISDICTION WHICH YOU HEREBY CONSENT TO.

INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Company and its affiliates, its subsidiaries, licensors, content providers, service providers, employees, agents, officers, directors and contractors (the “Indemnified Parties”) from any breach of these T&C by you, including any use of the content other than as expressly authorized herein, and any claim that your submission violates a third party’s intellectual property or other rights, including the rights of publicity and privacy, or defames a third party. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses and attorneys’ fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the content and this Website.

INFORMATION YOU PROVIDE

You may not post, send, submit, publish or transmit in connection with the Website any material that:

• you do not have the right to post, send, submit, publish or transmit, including any proprietary material of a third party;
• advocates illegal activity or discusses an intent to commit an illegal act;
• is vulgar, obscene, pornographic or indecent;
• does not pertain directly to the Website;
• threatens or abuses others; or libels, defames, invades privacy or stalks; or is racist, harassing, threatening or offensive;
• seeks to exploit or harm minors or older adults by exposing them to inappropriate content, asking for personally identifiable details or otherwise;
• infringes any intellectual property right or other right of any entity or person, including violating anyone’s copyrights or trademarks, or their rights of privacy or publicity;
• violates any law or may be considered to violate any law;
• impersonates or misrepresents your connection to any other entity or person, or otherwise manipulates headers or identifiers to disguise the origin of the content;
• advertises any commercial endeavor (e.g., products or services) or otherwise engages in any commercial activity (e.g., conducting raffles or contests, displaying sponsorship banners or soliciting goods or services, or any combination thereof) except as may be specifically authorized on this Website;
• solicits funds, advertisers or sponsors;
• includes programs that contain viruses, worms, Trojan horses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software, hardware or telecommunications or any combination thereof;
• amounts to a "pyramid" or similar scheme;
• disobeys any policy or regulations established from time to time regarding use of this Website or any networks connected to this Website; or
• contains hyper-links to other websites that contain content that falls within any description set forth above.

WE RESERVE THE RIGHT TO MONITOR USE OF THIS WEBSITE IN ORDER TO DETERMINE COMPLIANCE WITH THESE TERMS OF USE, AND RESERVES THE RIGHT TO REMOVE OR REFUSE ANY INFORMATION FOR ANY REASON. NOTWITHSTANDING THESE RIGHTS, YOU REMAIN RESPONSIBLE SOLELY FOR THE CONTENT OF YOUR SUBMISSIONS. YOU ACKNOWLEDGE AND AGREE THAT NEITHER COMPANY AND ITS AFFILIATES NOR ANY THIRD PARTY THAT PROVIDES CONTENT TO US WILL ASSUME OR HAVE ANY LIABILITY FOR ANY ACTION OR INACTION BY US OR SUCH THIRD PARTY WITH RESPECT TO ANY SUBMISSION OF YOURS. EXCEPT AS EXPRESSLY PROVIDED HEREIN, COMPANY AND ITS AFFILIATES AND THE THIRD PARTIES RESERVE ALL RIGHTS WITH RESPECT TO THE WEBSITE, AND MAY PURSUE ALL LEGALLY AVAILABLE OPTIONS UNDER BOTH CIVIL AND CRIMINAL LAWS (AND MAY COOPERATE WITH LAW ENFORCEMENT AGENCIES) IN THE EVENT OF ANY VIOLATIONS.

ARBITRATION AND CLASS ACTION WAIVER

PLEASE READ THE FOLLOWING SECTION CAREFULLY BECAUSE IT REQUIRES YOU TO ARBITRATE CERTAIN DISPUTES AND CLAIMS AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM COMPANY. Excluding claims for injunctive or other equitable relief, for all other claims related to the Website, including any goods or services purchased through the Website, any dispute or controversy arising out of or relating to this Agreement, including without limitation, any and all disputes, claims (whether in tort, contract, statutory or otherwise) or disagreements concerning the existence, breach, interpretation, application or termination of this Agreement shall be resolved by final and binding arbitration pursuant to the Federal Arbitration Act and in accordance with the JAMS Inc. Comprehensive Arbitration Rules & Procedures then in effect. There shall be no right or authority for any claims to be arbitrated on a class action basis. The arbitration shall take place in Fairhope, Alabama or at the option of the party seeking relief, by telephone, online, or via written submissions alone; however such election shall not prohibit Company from attending such an arbitration in person. Said arbitration shall be administered by JAMS. The arbitral tribunal (“Tribunal”) shall be composed of one arbitrator, who shall be independent and impartial. If the parties fail to agree on the arbitrator within twenty (20) calendar days after the initiation of an arbitration hereunder, JAMS shall appoint the arbitrator. The arbitration shall be conducted in the English language. The decision of the arbitrator will be final and binding on the parties, subject to all rights of appeal allowed by JAMS. Judgment on any award(s) rendered by the arbitrator may be entered in any court having jurisdiction thereof. The arbitrator shall have the authority to determine arbitrability of any disputes arising out of or relating to this Agreement. Nothing in this Section shall prevent either party from seeking immediate injunctive relief from any court of competent jurisdiction, and any such request shall not be deemed incompatible with the agreement to arbitrate or a waiver of the right to arbitrate. The parties undertake to keep confidential all awards in their arbitration, together with all confidential information, all materials in the proceedings created for the purpose of the arbitration and all other documents produced by the other party in the proceedings and not otherwise in the public domain, save and to the extent that disclosure may be required of a party by legal duty, to protect or pursue a legal right or to enforce or challenge an award in legal proceedings before a court or other judicial authority. The arbitrator shall award all fees and expenses, including reasonable attorney’s fees, to the prevailing party. Any judgment rendered by the arbitrator may be entered in any court of competent jurisdiction.

You may choose to opt out of the agreement to arbitrate by mailing a written opt-out notice (“Notice”) to Company. The Notice must be postmarked no later than thirty (30) days after the date you accept these T&C for the first time. The Notice must be mailed to: Trawick International, Inc., Post Office Box 2284 Fairhope, Alabama USA 36533, to the attention of General Counsel. This procedure is the only mechanism by which you can opt out of the agreement to arbitrate. Opting out of the agreement to arbitrate has no effect on any other parts of this Agreement, or any previous or future arbitration agreements that you have entered into with Company or its affiliates.

GOVERNING LAW

These Terms of Use are governed and interpreted by the laws of Alabama, United States of America notwithstanding any principles of conflicts of law. We make no representation that materials on this Website are appropriate or available for use in other locations. Those who choose to access this Website from other locations do so on their own initiative and are responsible for compliance with applicable local laws.

If you are a consumer, the provisions in these T&C are intended to be only as broad and inclusive as is permitted by the laws of your State of residence. If you are a New Jersey consumer, the terms of “Disclaimer” and “Limitation of Liability” sections above do not limit or waive your rights as a consumer under New Jersey law and the provisions in this Agreement are intended to be only as broad and inclusive as is permitted by the laws of the State of New Jersey. In any event, we reserve all rights, defenses and permissible limitations under the law of your State of residence.

At this Website, Company and its affiliates make no active effort to collect personal information from individuals under the age of eighteen (18). We require that Website users must be of legal age to enter into agreements (typically, at least eighteen (18) years of age or older).

NOT A SECURITY OFFER

The information contained on this Website is not an offer to sell or a solicitation to buy any security. No security is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction.

SEVERABILITY

If any part of the T&C is unlawful, void or unenforceable, that part will be deemed deleted and will not affect the validity and enforceability of any remaining provisions. The waiver of a breach of any provision of the T&C by a party will not operate or be construed as such party’s waiver of any other or subsequent breach. The T&C constitute the entire agreement between you and Company and its affiliates relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this Website will govern the items to which they pertain.

EMPLOYMENT OPPORTUNITIES

Company and its affiliates are an equal opportunity employer, dedicated to a policy of non-discrimination in employment on any basis including race, color, age, sex, religion, disability or national origin. Consistent with the American Disabilities Act, applicants may request accommodations needed to participate in the application process.

For further information, or inquiries about the T&C, please contact:

Trawick International, Inc. Attn: General Counsel Post Office Box 2284 Fairhope, Alabama USA 36533 Toll Free: (888) 301-9289

NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT

NOTE: THE FOLLOWING INFORMATION IS PROVIDED EXCLUSIVELY FOR NOTIFYING THE SERVICE PROVIDERS REFERENCED BELOW THAT YOUR COPYRIGHTED MATERIAL MAY HAVE BEEN INFRINGED. ALL OTHER INQUIRIES WILL NOT RECEIVE A RESPONSE THROUGH THIS PROCESS.

Pursuant to Title 17, U.S. Code, Section 512(c)(2), written notification must be submitted to the following Designated Agent/Service Provider:

Trawick International, Inc. Fairhope, Alabama USA 36533

Name of Agent Designated to Receive Notification of Claimed Infringement: Daryl Trawick

Full Address of Designated Agent to Which Notification Should be Sent: Post Office Box 2284 Fairhope, Alabama USA 36533

Telephone Number of Designated Agent: (888) 301-9289

To Be Effective, the Notification Must Include the Following:

• A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
• Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
• Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material;
• Information reasonably sufficient to permit the service provider to contact the Complaining Party, such as an address, telephone number, and if available, an electronic mail address at which the complaining party may be contacted;
• A statement that the Complaining Party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
• A statement that the information in the notification is accurate, and under penalty of perjury, that the Complaining Party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.