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Home » Travel insurance » Italy travel insurance

Do you Need Travel Insurance for Italy?

Italy travel insurance covers you to travel to Italy. This type of insurance gives you the cover and support you need should you have any medical problems while you’re away. Leaving you to enjoy a post-lockdown holiday with peace of mind.

Italy has plenty to offer as a destination. From beautiful beaches to soaring mountains, it truly has something for everyone. However, travelling doesn’t come without its risk, especially if you have a pre-existing medical condition. To protect yourself and your holiday – make sure you take out comprehensive travel insurance. This will enable you to travel with confidence in a post-COVID-19 world.

While you will be able to use your European Health Insurance Card (EHIC), remember this will only be valid until the 31st December 2020 so you will need comphrensive travel insurance too.

AllClear policies provide cover for up to £15 million for emergency medical expenses, including enhanced Covid-19 cover.

Emergency medical and repatriation expenses for Coronavirus while abroad

We are now able to offer:

  • Up to £15 million emergency medical expenses cover for Covid-19

  • Up to 30 days FREE extended cover (if, due to unexpected circumstances beyond your control)

  • Up to £2,000, if medically necessary, for a friend or relative to travel from your home area to stay with you (costs for room and to accompany you home)

  • Where medically necessary - repatriation costs to bring you back to the UK where it is deemed to be in your best interests

  • Following recovery from Coronavirus, costs for a continued recuperation stay, where medically necessary and under doctors advice

  • Costs for your return flight following your enforced stay due to Coronavirus

Benefits of AllClear Cover

Gold Gold Plus Platinum
Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Up to £15m
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Extended cover 30 days FREE 30 days FREE 30 days FREE
Friend or relative to travel from your home area to stay with you if you fall ill with Covid-19 Up to £2k Up to £2k Up to £2k
Travel Delay Up to £100 Up to £350 Up to £500
Recuperation stay
Cost of return flight due to COVID-19
Personal Belongings Up to £2k Up to £2.5k Up to £3k
Personal liability Up to £2m Up to £2m Up to £2m
Legal protection cover Up to £50k Up to £50k Up to £100k
* If you buy a policy which includes cancellation cover
All these figures are per person and per trip

Will you be covered if you’re travelling during the COVID-19 pandemic?

There are three things to check so that you can make sure you're covered:

  • You must be fit to travel
  • The FCDO must NOT have advised against travel to your destination - check the FCDO travel advice
  • You must follow the local government advice for your destination, checking and following their guidelines and entry requirements

You can then be covered for emergency medical expenses and cancellation for a positive diagnosis of COVID-19, with AllClear travel insurance with enhanced Coronavirus cover. Existing policyholders should read our Frequently Asked Questions if your trip is affected by Covid-19.

56% of those surveyed in the AllClear Annual Survey 2020 think Europe will be safe to visit within 12 months.

56% think southern and northern Europe will be safe to visit within 12 months

Simple 3 step quote process

1. Call us or click a quote button on our site

Once you are ready to start the quote process, the first step is to provide your personal details and information about your holiday plans.

2. Complete our simple medical screening process

You then declare the medical conditions for you (and any other travellers) and answer the specifically designed medical questions.

3. Get your quotes

You will then get your quotes and can either proceed to buy, or save your quote, at this stage. Freephone to get your quote on: or

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Frequently Asked Questions about Travel Insurance for Italy

Do I need travel insurance for Italy?

Travel insurance is essential for any trip to Italy. When taking out a policy make sure you declare your pre-existing medical conditions to ensure you are fully covered.

Good travel insurance for Italy will include cancellation and curtailment cover; cover for lost baggage and other property; high levels of cover for medical bills including those related to COVID-19 and repatriation if you need to be returned to the UK.

Remember, if you’re planning to take part in various high-risk or sporting activities – you’ll need to check your policy documents for details about what is and isn’t covered.

What isn’t covered?

With its many beaches and mountains, Italy is the perfect place for an adventure holiday packed full of activities.  However, not all policies will cover high-risk activities such as skiing –  unless you pay an additional premium. Check the policy documents to see what is and isn’t covered.

What does EHIC cover in Italy?

While the European Health Insurance Card (EHIC) entitles you to the same quality of healthcare that an Italian resident has, there may be medical costs that EHIC cannot cover. Therefore, it is advised that you take out comprehensive travel insurance to ensure that you are fully covered in the event of a medical emergency.

How much is travel insurance for Italy?

Policies are tailored to suit the individual and therefore the price is reflective of their choices, age and medical conditions declared.

Where can I get travel insurance for Italy?

You can call us for free on 0800 077 777 or start a quote online.

Top Tips for Travelling to Italy

The Foreign, Commonwealth & Development Office (FCDO)

It is useful to check the FCDO travel advice for Italy before you travel.

Emergency number

The general emergency number is 112. Police are on 113 and ambulances on 118.

Currency

Italy uses the Euro.

In tourist hotspots, you may be charged extra for cash machine withdrawal. To avoid extra costs, take out cash in advance or use a card payment option. Check with your bank that you will not be charged extra for using your credit or debit card abroad before travelling.

Languages

Italian is the official national language and the most widely spoken.

“Ciao” can be used as a hello or a goodbye, “por favore” means “please”, “Grazie” means thank you.

When travelling to ancient ruins or when admiring fine art – you may find the Latin language often inscribed. Although, no longer spoken the language originated from Italy.

Dinner

Nightlife tends to start and finish later than in the UK – restaurants may be very quiet before 9pm.

Tipping

Check that you’re not already paying the tip before you add more to your payment, as a gratuity of 10-20% in Italian restaurants is often added to the bill. In the instances where it hasn’t already been applied – a tip of 10-15% is encouraged.

Driving in Italy

Whether you want to cruise down windy mountain roads or Vespa your way through the city, Italy is an amazing place to drive and explore. If you’re planning to drive, you must be over the age of 18 and hold a full valid driving licence. Riders of motorcycles up to 125cc must be aged 16 or over, while moped (not exceeding 50cc) riders must be aged 14 or over.

Driving licences issued in EU and EEA countries are accepted. International driving permits are recognised, but not required.

Medication

The legal status of medication can vary from country to country. So, before jetting off, it is advised that you check with the embassy before you travel. You might also find it useful to travel with the medication in its original packaging and have a doctor’s prescription or letter or the medicine may be completely prohibited. You can also seek your doctor’s advice as to how it should be stored and how and when it should be taken whilst on holiday so as to minimise any risk that time difference and jet lag may cause you.

Sunlight

With places such as Tuscany reaching temperatures of up 40.0°C, it’s safe to say you will experience high exposure to the sun. It is therefore advised that you wear sun protection – even if you are skiing in the Alps.

Natural Disasters

Many parts of Italy lie on a major seismic fault line. Therefore it is common to experience minor tremors and earthquakes. You can learn and prepare for what to do before, during, and after an earthquake by visiting the Protezione Civile website. Earthquakes are not the only natural disaster that Italy regularly faces. Flooding, often referred to as “acqua alta”, is a common occurrence in Venice. To make sure this doesn’t affect your holiday, prior to travelling you can check the Civil Protection Department for more information.

[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 25,000 reviews as of May 2021.