Travel Insurance for Italy

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Italy, the land of Michelangelo, pizza, the Colosseum, and romantic gondola rides – a country brimming with history, culture, and delicious food.

For travelers looking to immerse themselves in Italy’s charm, ensuring adequate travel insurance coverage is paramount.

This article provides an extensive overview of travel insurance for Italy, so you can focus on enjoying the rich Italian experience worry-free.

Why You Need Travel Insurance for Italy

Travel insurance isn’t a requirement for tourists entering Italy.

However, considering the potential for unexpected circumstances like medical emergencies, travel disruptions, or loss of luggage, it’s advisable to have travel insurance. It serves as a safety net, ensuring peace of mind throughout your journey.

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅ Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

What Should Travel Insurance for Italy Cover?

Here’s what your travel insurance policy for Italy should ideally cover:

  • Medical Expenses:
    With differences in health systems and potential high costs of medical care in Italy, comprehensive coverage for medical expenses is a must. This includes hospitalization costs, doctor’s fees, medication costs, and even medical evacuation if necessary.
  • Travel Disruptions:
    Flight cancellations or delays, missed connections, or unforeseen changes in your travel itinerary can disrupt your plans. Travel insurance can cover the financial implications of these disruptions.
  • Baggage and Personal Belongings:
    Loss or theft of luggage can be a significant inconvenience. Ensure your policy covers personal belongings, providing reimbursement for lost, stolen, or damaged items.
  • Personal Liability:
    This covers you if you cause injury to someone else or damage their property.
  • 24/7 Assistance:
    A travel insurance policy should provide round-the-clock assistance to handle emergencies promptly.

Healthcare System in Italy

Italy boasts an excellent healthcare system, ranking among the top in the world.

However, for tourists, accessing healthcare can come with challenges, like language barriers and understanding the healthcare process.

Travel insurance can provide the necessary guidance and financial coverage in case of medical emergencies.

Cost of Medical Treatment in Italy

While Italian healthcare standards are high, costs can be significant, especially for extensive treatments or medical emergencies.

A travel insurance policy that covers medical expenses is highly advisable to safeguard against high costs.

Travel Insurance Providers for Italy

Various global insurance providers offer comprehensive travel insurance plans tailored for travelers heading to Italy.

It’s crucial to review multiple policies, compare the coverages, costs, and read the fine print before choosing the one that best suits your needs.


Travel insurance for Italy can provide valuable protection against unexpected events, allowing you to experience Italy’s historical landmarks, savor its cuisine, and immerse yourself in its culture worry-free.

Whether you’re marveling at the ancient ruins of Rome or indulging in gelato by the Amalfi coast, travel insurance for Italy can ensure your journey is as smooth as a fine Italian wine.


Is travel insurance mandatory for Italy?

While travel insurance is not mandatory for visiting Italy, it’s highly recommended to protect against unforeseen circumstances.

What does travel insurance for Italy cover?

Travel insurance for Italy typically covers medical expenses, travel disruptions, loss of baggage and personal belongings, and personal liability.

Can I purchase travel insurance after starting my trip?

While it’s advisable to buy travel insurance before starting your journey, many providers allow you to purchase a policy after your trip has begun.

Does travel insurance cover COVID-19 related incidents for travel to Italy?

This depends on the insurance provider and the specific policy. Always check the policy details to see if COVID-19 related incidents are covered.