Travel Insurance for Italy

From quaint and picturesque towns and numerous scenic attractions to a renowned and vibrant Western culture, Italy remains the top European destination for travellers from all over the world.

If you are ready to live your Italian dream by planning a memorable trip to Italy, begin by understanding the mandatory requirements, such as travel insurance.

This guide will discuss everything you need to know about travel insurance for Italy, from its importance and features to how to buy one.

Italy Visa Mandate: Is Travel Insurance Necessary for Italy?

Since Italy is located within the Schengen Area, Schengen Travel Insurance is compulsory for obtaining a suitable visa.

In other words, travel insurance​ is mandatory for visiting Italy from India.

As per the regulations laid by the Schengen Immigration authorities, every non-European visiting Italy or any other Schengen country must have travel health insurance with a minimum coverage of €30,000.

Note that it is a mandatory requirement, without which your visa will not be approved.

Our Schengen Travel Insurance is among the most popular international travel insurance plans for Italy. It will keep you safe and financially secure during your stay in the entire Schengen Area, in addition to providing you with the necessary financial security in Italy.

You get coverage for the following risks with our travel insurance for Italy:

• Cashless Hospitalisation

• Personal Accidents

• Loss of Baggage

• Trip Cancellations

• Flight Delays

• Theft

• Loss of Passport

• Personal Liabilities

• Financial Emergency Assistance

• Hijack Distress Allowance

• Compassionate Visit

Italy Travel Insurance Types

Benefits of Italy Travel Insurance

Cashless Hospitalisation

One of the top benefits of Italy travel insurance is the convenience of cashless hospitalisation. You no longer have to worry about hefty upfront expenses for medical treatments in emergencies, as travel insurance covers these expenses on your behalf and settles the required payment directly with the hospital in Italy.

Medical Support

No matter the type and severity of a medical emergency, travel insurance for Italy trip covers all medical expenses incurred in such situations to ensure you and your finances are well-protected. The list of medical expenses included in this coverage are -

• Inpatient treatment expenses

• Ambulance support

• Hospitalisation costs

• Daily allowance

Coverage for Personal Liabilities

Regardless of how careful you are with your actions, there might be instances where your actions unintentionally cause damage to a third party. In such situations, travel insurance for a trip to Italy comes in handy, as it offers coverage for any compensatory and legal expenses to reduce your out-of-pocket spending.

Baggage and Passport Protection

Losing your passport or baggage during your international trip to Italy can leave you stranded. However, with travel insurance protection, you receive the necessary financial support and additional assistance to obtain a fresh or duplicate passport. Moreover, in case of baggage loss, you also get due compensation.

Coverage for Trip Delays and Cancellations

Unexpected emergencies, both family and personal, and natural disasters can often cause trip delays, interruptions and cancellations. In such situations, travel insurance reimburses you for the non-refundable booking expenses with compensation for the inconvenience.

Reliance Schengen Travel Insurance for Italy

Reliance General Insurance offers tailored Schengen Travel Insurance plans designed to cater to the specific needs of travellers visiting Italy, a member of the Schengen zone.

These plans provide extensive coverage benefits, including protection against medical emergencies, baggage loss, and personal liabilities. With these plans, you can travel confidently, knowing you're covered for unexpected incidents during your trip to Italy.

Our Schengen Travel Insurance offers multiple plans that are perfect to secure your trip to Italy. They offer extensive financial coverage in the event of emergencies.

Purchase your travel insurance for a trip to Italy and enjoy benefits like 100% claims settlement*, quick coverage, no medical screening, customisable plans and pocket-friendly prices.

For more information about our travel insurance plans, contact us!

Features of Reliance Italy Insurance

Reliance Italy Insurance: Inclusions & Exclusions

Inclusions

• Medical emergencies due to illnesses and accidental injuries

• Compensatory and legal coverage for personal liabilities

• Daily hospital allowance

• Personal accident expenses

• Expenses incurred to send mortal remains to India

• Support for medical evacuation

• Coverage for trip delays, interruptions and cancellations

• Compensation for total loss of checked-in baggage

• Assistance for financial emergencies

• Coverage for acute anaesthetic dental treatments in case of an accidental injury

Exclusions

• Travelling against the advice of a doctor

• Nuclear attacks or war-led situations

• Partial loss or complete damage of checked-in baggage

• Cosmetic procedures

• Self-inflicted damage or injuries

• Sexually transmitted diseases

• Pregnancy and childbirth

How to Buy Reliance Italy Travel Insurance?

Step 1: Visit our Schengen Travel Insurance page.

​ Step 2: On the top-right side of your screen, fill in the requested details such as type of travel insurance plan, region, number of days, mobile number, etc.

Step 3: Choose the most suitable plan from the given options and proceed with "Buy Now".

Step 4: Confirm the premium details and enter a few other details, such as your passport number and details of your nominee.

Step 5: Complete the payment online using any preferred method.

That's how simple it is to purchase holiday insurance for Italy. Once your payment is successful, a confirmation text will be sent to your contact details.

Benefits of Buying Travel Insurance Online for Italy

• When you buy travel insurance online for Italy, you benefit from instant policy issuance as opposed to the traditional process that requires appointments and long queues.

• The online insurance Italy process allows you to compare different plans and premiums in just a few minutes, ensuring informed decision-making based on your coverage needs and budget.

• The online process to buy travel insurance for a trip to Italy requires minimal documentation.

• The online process for travel insurance plan purchases allows quick and convenient purchases without the hassle of physical appointments.

• All the online processes ensure maximum safety and security of your personal and transactional information.

• The online process entails no hidden costs, as it promises complete transparency from start to end.

How to Claim Travel Insurance for Italy?

Understanding the claims settlement process of travel insurance is critical to ensure a timely settlement of your claims. With our Schengen travel insurance for Italy, you can settle your claim as follows:

Notify Us

Inform Reliance General Insurance about the incident and your claim within 24 hours of its occurrence. For international travel insurance, you can contact the Claims Helpline or Europ Assistance to report your claim and receive guidance on the necessary procedures.

Toll-free Number for Italy: 00+800-99441111

Europ Assistance India Pvt Ltd. - 7th Floor, Star Hub, Bldg No. 2, Near ITC Maratha Hotel, Sahar, Andheri East, Mumbai – 400 059,  India

Collect the Necessary Documents

The documents required for an Italy travel insurance claim vary depending on the nature of the claim, such as lost baggage, accidental death, permanent disability or medical emergencies.

Some of the common documents include a completed and signed claim form, a copy of the boarding pass and ticket, proof of identity and address (Passport, ID card, Driver's License), a confirmation letter from the airline detailing the incident and the original cancelled cheque compliant with CTS 2010 standards.

File Your Claim

Submit your completed claim form along with the required documents. Be prepared to provide any additional clarifications if needed.

Claim Processing

Once your claim form and supporting documents are reviewed, we will inform you about the approval status or any further requirements. If approved, the applicable benefits will be disbursed accordingly.

Italy Travel Insurance Cost Range

The cost of your Italy travel insurance depends on various factors that are unique to each traveller. These factors influence the price based on your coverage requirements, travel companions, specific coverage needs, and trip duration.

Let us look at them in detail below.

• Trip Duration- The number of days you plan to stay in and travel around Italy impacts your travel insurance cost. For shorter trips, the price will be lower than for longer trips that require more coverage.

• Coverage Requirements- The choice of the sum insured also impacts the price of your travel insurance. For a higher sum insured value, the premium is higher and vice versa.

• Number of Travel Companions- The number of travel companions will affect your choice of policy and the price of the travel insurance plan. For an individual plan, the cost will be higher than a family plan for all the travel companions.

• Specific Coverage- If you have any pre-existing conditions, your coverage needs will vary, and you might require additional coverage. In such cases, the cost of a travel insurance plan will be higher.

How to Choose the Best Travel Health Insurance for Italy?

Having a travel insurance plan is helpful, but investing in the best travel health insurance plan will ensure that you don't have to struggle financially because of unforeseen emergencies in a foreign land. With this in mind, here are some useful tips for choosing the best travel insurance for your Italy trip.

Determine Coverage Requirements

The first step in choosing the best travel health insurance for Italy is to identify your coverage requirements based on your risk exposure, travel itinerary and other such aspects. This will allow you to search for a plan that keeps you financially secure during your foreign journey.

Compare Multiple Plans

The most effective way to choose the best travel health insurance for Italy is to compare different types of insurance plans against a set of useful parameters. These include policy inclusions, cost, claims settlement process and ratio, emergency assistance abroad, and so on.

Check Claims Settlement Process

The best travel insurance for Italy is the one that offers a simplified and quick claims settlement process. If a plan's claims process is very complicated and has a longer turnaround time, there is no point in purchasing it.

Assess Reviews and Ratings

Customer reviews clearly indicate the reliability and efficiency of the insurance provider and the insurance plan. So, make sure to choose a policy/insurance provider with good ratings and testimonials.

Understand Policy Terms and Conditions

Every travel insurance plan has certain terms and conditions when it comes to availing the benefits and coverage.

Understanding these wordings is critical to ensure that your potential financial risks are covered and you get all the benefits you are entitled to.

So, before finalising the best travel health insurance for Italy, take enough time to read your policy wording.

Italy Visa and Entry Information

Is there a Italy Visa-On-Arrival for Indian Citizens?

No, Indian citizens cannot obtain an Italy visa on arrival. Anyone planning to visit and explore Italy must apply for and obtain a valid visa. Italy is part of the Schengen region, and thus, you can either apply for Italy visa or travel to Italy visa-free if you have a Schengen visa.

Types of Visas for Italy

Application Process for Italy Visa

1. Visit the VFS Global website, which is the official partner of the Embassy of Italy in India.

2. Select “Start Now" under Apply for a Visa option.

3. Determine the right visa category based on your purpose of visit and duration of stay.

4. Then, download the visa application form online and print it out.

5. After printing the form, fill it out with accurate information and collect the necessary supporting documents.

6. Once done, book an appointment at the Visa Application Centre of your choice by clicking on the “Book an Appointment" on the website.

7. Now, based on the appointment date and time, visit the chosen VAC to submit the filled-out visa application form and the supporting documents.

8. You must also pay the applicable Italy visa fee at the VAC and submit your biometric information for the final submission.

9. For the final step, you must wait for the visa approval update and collect your passport when approved. 

Documents Required for Italy Visa

• A duly filled and signed visa application form.

• A recent passport-size photograph as per the ICAO specifications.

• Proof of funds - bank statements, payslips, etc.

• Italy travel insurance with a minimum of €30,000 medical coverage

• A passport with a validity of three months and two blank pages

• Flight tickets to and from Italy

• Proof of accommodation

• A cover letter clearly indicating the purpose and duration of the visit

• An invitation letter from an EU National (for a Family and Friends Non-EU type C visa)

• Employment letter from an Italian employer (for a work visa)

• Admission letter from an Italian university or institute (for a student visa)

Embassy of Italy in India

Tips to Avoid Italy Visa Rejections

1. Provide all accurate information on the visa application form, as incorrect information can result in immediate visa rejection.

2. Carefully collate all the supporting documents applicable to your visa category for submission to avoid any gaps in your application at the time of submission.

3. Avoid providing false or misleading information on your visa application form, as this is grounds for immediate rejection.

4. Ensure your submitted photographs align with the ICAO specifications.

5. You must cross-check for any past unfavourable records of travel to Italy or any other country, as that indicates poorly on your travel history.

6. Ensure your travel insurance plan for Italy offers a minimum medical coverage of €30,000.

Interesting Facts About Italy

• The first ever pair of eyeglasses were invented in Italy back in the late 1200s.

• Europe's most active volcano, Mount Etna is located in Italy.

• There are over 250 different hand gestures in the Italian communication style.

• Italy is home to the first ever pizzeria Antica Pizzeria Port'Alba.

• The largest amphitheatre in the world is The Colosseum, located in Rome, Italy.

• In Italy, bottled water is considered the safest drinking water.

• Globally, Italy is one of the largest olive oil production countries.

• The country of Italy is divided into two states: San Marino and Vatican City.

• The University of Bologna in Italy is the oldest operating university in the world.

• Italy is shaped as a boot on the world map.

• There are over 1500 lakes in Italy.

• The number of world heritage sites in Italy surpasses every other country in the world.

• Italy is also one of the world's largest wine producers in the world.

Best Time to Visit Italy

Money-Saving for a Italy Trip

Transportation

• To save money, use public transport such as buses, trains, and other interconnecting metros instead of cabs or taxis.

• For intercity travel, avoid booking expensive flight tickets and instead take trains. This will not only help you save money but also allow you to witness stunning views.

• Many cities in Italy offer city passes, which include day tours and discounted deals on tourist attractions for better affordability.

• Walking is highly recommended for unique adventures. You can book a guided tour or a self-paced walking tour to explore Italy and its hidden gems on foot.

• You can also rent a bike in Italy to drive around different cities and enjoy breathtaking views without spending a lot of money.

Accommodation

• Opt for alternative accommodation options like hostels or guesthouses to save money.

• Avoid staying too close to the city centre.

• Book all your accommodation options in advance to avoid last-minute price hikes.

• Combine accommodation bookings for all Italian adventures in one go for discounted deals and other money-saving schemes.

Food

• Explore the local markets to try authentic Italian dishes without overspending your budget.

• Skip the heavily crowded or touristy eateries to avoid overpriced meals.

• Shop for fresh ingredients and cook your own meals to enjoy a homely taste on a budget.

Shopping

• Even though Italy is a land of fashion, you must assess your budget before choosing where to shop.

• Explore unique collections of shopping necessities and local fashion at flea markets and with local street vendors that offer affordable rates.

Flights and Travel

• Be flexible with your travel dates to find flight prices based on your budget.

• Avoid travelling during the peak season when the flight costs are the highest.

• Look for price differences between various airports in Italy to find a deal that best aligns with your budget.

Travel Checklist Italy

• Important Documents - The first and most important thing to pack for your trip to Italy is clear copies of all your necessary documents, such as passports, travel insurance policies, identity cards, credit cards, etc. This will help you navigate unforeseen circumstances without any hassle.

• Travel Insurance - In addition to the mandatory visa requirement, travel insurance for Italy helps reduce the financial and mental burden of unexpected medical and other emergencies with proper assistance and financial support.

• Sunscreen - No matter the weather conditions in Italy during your trip, applying sunscreen is a must to protect your skin from ultraviolet rays and tanning. You must apply sunscreen every time you go out.

• Beachwear - Italy has around 473 beaches, making it a perfect beach vacation destination. Thus, you must pack your swimsuit as a travel essential.

• Comfortable Footwear - Various tourist spots are located close to each other, allowing easy walking. Moreover, many guided tours in Italy include vineyards, wineries, etc. Thus, you must pack comfortable footwear to enjoy your trip to the fullest.

• Medicines - Carry all your prescribed medications along with a standard first aid kit so you have something handy in case of emergency or before the ambulance arrives.

• Adapter - When travelling to Italy, you must buy and carry a universal adapter to charge your necessary electronics and capture breathtaking pictures.

• Currency - When travelling to Italy, carry your currency in different forms. Keep some in cash and some in cards to avoid losing money due to theft and overspending at the time of shopping.

• Clothing Essentials - Research the weather conditions of the places included in your travel itinerary and pack clothes accordingly. Moreover, it is recommended that you carry a light jacket with you throughout the year.

Italy Safety Tips

• Beware of your Surroundings - Always assess your surroundings when stepping out, especially at night, to avoid falling prey to unwanted attention and petty crimes.

• Emergency Contacts - Save and memorise the emergency contact number 112 for any medical or other emergency. From police support to ambulance and fire brigade, this one contact number helps in all situations.

• Nighttime Travel - Avoid stepping out alone in the late hours of the night to reduce the risk of unforeseen crimes and theft.

• Public Transportation Rules - Do not eat or drink on public transportation, as you may be penalised with hefty fines when caught. Moreover, you must also have a valid ticket to travel on public transport.

• Tourist Attraction Rules - Some popular tourist attractions might have a “no-photo" policy. Ensure you do your research prior to visiting the place to avoid unnecessary fines and other legal consequences.

• Food and Drinks - Do not leave your food or drinks unattended at any time. Always have an eye on them to reduce the risk of strangers mixing something in your drink or food item.

Best Places to Visit in Italy

• The Colosseum

• Duomo di Milano

• Piazzale Michelangelo

• Galleria Vittorio Emanuele

• Doge's Palace

• St. Peter's Basilica

• Fontana di Trevi

• Pantheon

• Museo Cappella Sansevero

• Vatican Museums

• Rialto Bridge

• Amalfi Coast

• San Gimignano

• Su Nuraxi di Barumini

Best Things to Do in Italy

1. Gondola Ride - Book a Gondola ride in Venice to explore the city by floating on clear waters and capturing the charming views of Venice during sunrise or sunset.

2. Wine Tasting - Take a wine-tasting tour in beautiful Tuscany, where you can find world-class wines from different places in Italy. You can taste as many as you want as you learn more about the wine culture and significance in Italy.

3. Boat Tour - Book a boat tour when visiting the Amalfi Coast and capture breathtaking views of the surrounding cliffs while witnessing turquoise waters all around.

4. Shopping Adventures - Shop your heart out in Italy, home to the fashion capital Mian. Explore the numerous luxurious high-end brands in Milan to tick off the must-haves on your list. If you want to shop on a budget, you can also visit flea markets like Mercato di San Lorenzo in Florence or Porta Portese in Rome.

5. Indulge in Italian Cuisine - Italy is the land of the best pasta and pizza options. The first pizzeria was introduced in Italy, so you will have endless choices. Do not forget to explore the world of gelato when in Italy to experience a whole new range of flavours.

6. Hike in Dolomites - If you are an adventurous enthusiast, book a hike in the Dolomites Mountains and take pictures from the top to make lifelong memories.

7. Visit Historical Landmarks - From the Colosseum in Rome, the Leaning Tower of Pisa and Florence Cathedral to Pompeii, The Arena of Verona and St. Peter's Basilica, there are so many historical landmarks around Italy which you must explore.

Frequently Asked Questions

• Is travel insurance mandatory for Rome?

  Yes. Since Rome is the capital of Italy, a Schengen nation, having a travel insurance plan is mandatory for visiting here.

• What type of travel insurance do I need for Italy?

  To obtain a visa for Italy, you need travel health insurance with a minimum coverage of €30,000. Your insurance plan is recognised and approved in the Schengen Area.

• Can I make an Italy travel insurance claim after returning to India?

  Yes. You can make a travel insurance claim 30 days before your policy expiry or after returning to India, whichever is earlier.

• How can I claim cashless hospitalisation in Italy?

  We have third-party administrators (TPAs) at various hospitals abroad who, upon approval of your claim, provide you with cashless hospitalisation. You can call our emergency assistance provider to claim the hospitalisation benefit. They will guide you through the entire process.

• Can I purchase travel insurance for an Italy trip after getting a visa?

  No. Your Italy visa application will not be processed until you submit a copy of a well-recognised travel insurance certificate. This means you must obtain travel insurance for Italy before applying for a suitable visa.

• What is the maximum coverage I can get with Reliance travel insurance for Italy?

  With our Schengen travel insurance plans, you can enjoy a maximum coverage of up to USD 500,000. Note that the required coverage for a visa to Italy is only €30,000. We offer coverage beyond the requirements to provide you with enhanced financial protection.

• How much time does it take to purchase travel insurance for Italy?

  The time required to purchase a travel insurance plan varies depending on the insurance provider. In the case of RGI, you can purchase our international travel insurance plans instantly in a few minutes. You can visit the website and purchase a suitable plan online in a secure and convenient manner.
  

• Which Schengen countries can I visit with travel insurance for Italy?
  

  All the nations within the Schengen Area, including Italy, require a common visa and travel insurance. Thus, you can visit the entire Schengen Area with a Schengen Travel Insurance plan.

• What is the cost of travel insurance for Italy?

  Multiple parameters are taken into account when calculating the cost of travel insurance for Italy. These include stay duration, type of plan, claim limit, and so on. If you are looking for efficient coverage at cost-effective prices, you can check our International Travel Insurance.

Disclaimer: *T&C apply. Details mentioned here are for Reliance Travel Care Policy, UIN: RELTIOP08002V010708. Sum Insured: The mentioned Sum insured amount is applicable only under Reliance Travel Care Policy– Platinum Plan. Total loss of checked baggage: The maximum amount payable per checked-in baggage in case more than one bag has been checked in, is 50% (100% for only one checked-in baggage) of the applicable Sum Insured and per item in baggage max 10%. Claim Settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.