Travel insurance for holidays in Italy – Forbes Advisor

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A trip to Italy offers so much splendour, history and excitement. If you’ve researched a vacation in Italy, you know it’s expensive and you’ll probably want to visit several cities during your stay.

You might decide to fly between cities, take the train, or use private transportation, so you may encounter delays or other unpredictable travel issues. As with any trip, especially outside of the United States, it is important to consider a travel insurance policy to protect you and your travel investment.

Here’s how to choose the right policy for a trip to Italy so you can focus on the experience and less on the worries.

What to Look for in a Travel Insurance Policy for Italy

There are a few essential types of coverage to look for when traveling outside of the United States, especially on an expensive trip.

“As with virtually all international destinations, including Italy, I would recommend purchasing a travel insurance product that includes coverage for trip cancellation, trip interruption, trip delay, medical, medical evacuation and baggage,” said Scott Adamski, spokesperson for AIG Travel. .

Adamski recommends that you purchase travel insurance within 15 days of initial deposit for travel so that you can take advantage of advance purchase provisions such as obtaining a waiver of exclusion of pre-existing medical conditions.

But if you are late buying travel insurance, a policy can be purchased up to 24 hours before the trip departure date.

Compulsory winter sports civil liability insurance

If you plan to hit the slopes during your stay, be aware that Italy now requires skiers to have winter sports liability insurance. Liability insurance covers injuries and damages you accidentally cause to others. Travel insurance plans in the United States generally do not include liability coverage, but you can purchase liability coverage for winter sports at ski resorts in Italy. It will cost you around €3, or just over $3, per day, per person. If you do not respect the mandate, you can be fined and have your ski pass withdrawn.

The importance of trip cancellation insurance

You may be planning your trip to Italy well over a year in advance, so buying a travel insurance policy when you pay for your trip gives you the most value because you lock in coverage. Longer.

We all know life is unpredictable and even as excitement builds about an upcoming trip to Venice or Rome, the unexpected can happen. Trip cancellation guarantee will allow you to cancel the trip, file a claim and be reimbursed for all prepaid, non-refundable expenses if the reason for cancellation is covered by the policy.

For example, if you twist your ankle the day before the trip or if a loved one has died, you can usually apply for trip cancellation insurance.

If you had booked a private gondola ride in Venice, for example, and had to cancel the trip, you can get a refund for that missed experience.

Trip Cancellation Insurance can often be upgraded to “terminate for any reason” coverage. This gives you a refund if you cancel the trip for a reason not covered by the basic policy, such as a sudden fear of traveling or an unexpected aversion to Ragu alla Bolognese.

Travel delay management

Direct flights to Italy are very expensive. You may be able to get a cheaper plane ticket by buying a flight with a layover.

If you have a connecting flight in London en route to Rome, and there are extreme weather conditions like torrential rain and fog, this may prevent your flight from taking off at JFK airport. If you miss your connection to London, you will have to wait for the next flight.

Further issues may arise when the next flights are fully booked. If this happens, you may have to wait until the next morning to continue your journey to Rome.

Here is where trip delay insurance assists you with expenses such as meals, hotel stays, transportation or booking a more expensive flight. Keep in mind that many policies have a waiting period – sometimes six to 12 hours late – before travel delay benefits kick in.

Reimbursement for trip interruption

As with any trip, whether to Miami or Milan, you might encounter a setback.

“Trip interruption and trip delay are the most popular claims among travelers to Italy,” reports Lisa Cheng, spokesperson for travel insurer World Nomads. “Trip Interruption can help you recover unused, prepaid portions of your trip that you had to cancel due to returning early for a covered reason,” she says.

For example, if your sister is babysitting your 5-year-old daughter while you are in Italy and your sister catches the flu and cannot care for your child, you may need to cut your trip short and return home.

“With trip interruption coverage, you have a safety net. It can also get you a one-way economy class ticket home,” says Cheng.

Baggage issues

Italy is a mix of many things to see and do.

“With ancient monuments, cliffside villages, regional cuisines and history on display everywhere you go, Italy is famous for so many things,” says Cheng. But where there are crowds of tourists, there are opportunities for thieves.

In Rome, she recommends being especially vigilant in metro stations, night trains and other busy tourist spots like the Colosseum and Termini station.

Additionally, she says, Naples is also known for its pickpockets, where they tend to hide in the Spanish Quarter, the main train station, Piazza Garibaldi and dark alleys and streets.

To reduce the risk of theft, Cheng advises you to avoid storing your wallet in your pants pocket. “Consider wearing a money belt even if you’re not going to be the most stylish person on the street,” she advises.

Travel insurance can help replace or reimburse you for your stolen items, whether it’s a watch, bracelet or your passport. This falls under the baggage and personal effects coverage.

“Maximum benefits per item and total apply, as do exclusions such as antiques, cash, or misplaced personal effects,” Cheng explains. She says you should promptly file a report of loss or theft with local law enforcement, the common carrier, the travel supplier, the tour guide, or a representative of the place or venue. where the loss or theft occurred. This will be requested when filing a refund request.

Note that baggage coverage is often secondary coverage in a travel insurance policy, which means you must first make a claim on another applicable coverage, such as your home insurance.

Protect against unexpected medical expenses

Most personal effects can be replaced, but the most important issue to plan for is your health when traveling abroad. Your US health insurance plan may have limited or no coverage outside the United States. Likewise, Medicare does not cover health care costs outside the United States, a major consideration for elderly travelers.

If you suffer an illness or injury while traveling internationally and require medical treatment, you will have to pay out of pocket if you do not have travel insurance with medical coverage.

“Whether you’re exploring caves in the Marches, skiing in the Dolomites, or just wandering through a Tuscan village, you never know what injuries or illnesses you might encounter,” says Cheng.

For example, if you are on a bike tour in Tuscany and you hit a bump and are thrown off your bike and suffer a concussion, you will need immediate medical attention. Your travel insurance company can act as a liaison and help identify a suitable facility where you can be treated.

“Medical facilities are located throughout Italy, but there are fewer options outside of urban areas,” Chung observes. “These emergencies can bring down even the most experienced traveler. This is why the services of a 24/7 emergency team are so valuable. Travel assistance services will be able to advise you on what to do, help you locate appropriate medical facilities (especially in remote areas where access to medical care can be tricky) and monitor your medical treatments to make sure you get the proper care,” Cheng says.

If your primary health insurance policy doesn’t cover overseas, buy an insurance policy with medical coverage of at least $50,000, recommends Squaremouth, a travel insurance comparison site.

You can buy more generous medical coverage of $500,000 per person if you want a bigger safety net. You can also purchase travel insurance that covers Covid-related trip cancellation and travel medical expenses. Work with a travel insurance agent to identify the features you want in a policy.

What if you need medical evacuation?

If your injury or illness requires more specialized care than is available where you are, emergency medical evacuation coverage may cover the cost of medical evacuation to a suitable facility.

If you are not covered by insurance and need urgent transport, it could cost you thousands of dollars.

You can purchase a generous medical evacuation coverage of $1 million per person. Yet the insurer will only pay to take you to an adequate medical facility. Consider joining a service like Medjet if you want to make sure you can be flown back to the United States for a medical condition if you wish.

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