travel insurance italy

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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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 Insurance for Italy

Going to Italy usually means a lot of planning and preparation to ensure everything goes as smoothly as possible. Unfortunately, there are never any guarantees, which is where travel insurance and assistance services come in handy.

As an expert in the travel industry, Generali Global Assistance can help you prepare for your trip of a lifetime to the country known for food, fashion, wine, history and plenty of fabulous ventures. You can jump straight to getting a free travel protection quote for your trip to Italy, or read on to learn more.

What Do You Need When Traveling to Italy?

If you’re traveling from the United States to Italy, plan for your passport to be valid for a minimum of 3 months, although 6 months is recommended. You’ll also need two blank passport pages.

United States residents traveling to Italy for less than 90 days don’t need a tourist visa. This applies to whether you’re going for business, pleasure or maybe a little of both. However, in lieu of the tourist visa, you'll need to fill out a Declaration of Presence, which is non-negotiable whether you’re remaining for 90 days or longer. A Permit of Stay is required if you’re staying more than 90 days.

Travel Insurance

Travel insurance isn’t required to enter or leave Italy. However, the numerous benefits make it an appealing option to have, especially if you have pre-existing medical issues. Given the unpredictable state of the world, it’s best to prepare just in case, and travel insurance is one way to do that.

For instance, you could receive help for things ranging from flight delays to the death of your travel companion. What the travel insurance covers often depends on several factors, including which plan you get.

What Should Travel Protection for Your Trip to Italy Include?

If you’re going to spend your hard-earned money on getting a travel protection plan for your trip to Italy, it should offer all the coverage you might need.

Trip Cancellation and Trip Interruption coverages are typically two of the main reasons people get travel insurance. There’s no telling when something might happen before or during the trip to cause an issue that impacts your planned journey.

You’ll also want to make sure you’re covered for  medical expenses . Although many tourists think that taking precautions while traveling is enough, it's best to have that peace of mind in case of a medical emergency.

Don’t forget about Baggage coverage. The more items you’re taking with you and the more expensive they are, the more coverage you’ll likely want to have.

In addition to insurance coverages, services like travel assistance are also essential, especially if it gives you the option to contact our dedicated assistance agents for help 24/7. Chances are you’ll feel more comfortable and confident knowing there’s someone to turn to any time, day or night, for help if something comes up that you weren’t anticipating, such as losing your passport.

Trip Interruption & Cancellation

As we all know, life never goes as planned. You could spend months planning the perfect trip to Italy, only to have something occur that you weren’t anticipating. Trip Cancellation and Trip Interruption coverages can be beneficial for a variety of scenarios out of your control, so you can get back insured trip costs that were lost as a result of a covered event.*

Trip Interruptions and Trip Cancellations could happen for a host of other reasons, such as an airline strike. You may also need to cancel the trip due to losing your job, someone stealing your passport, or a family member ending up in the hospital. Trip Interruption and Trip Cancellation coverage supports the financial losses involved when the reason is covered under the policy.

What exactly is covered and the level of coverage can contrast depending on your plan.  Review the three available Generali Global Assistance travel protection plans , which include Standard, Preferred, and Premium, for a thorough explanation of what types of coverage are available for each one.

Flight Delays and Cancellations

Unfortunately, whether or not your flight is delayed or canceled is another aspect of the trip over which you have no power. Reasons could range from a mechanical malfunction with the plane to adverse weather.

The rainiest months in Italy tend to be October through December, then again during spring. Adverse weather can result in trip delays and a domino effect of other travel issues.

Travel Delay coverage can provide reimbursement for reasonable out-of-pocket expenses, such as hotel accommodations, meals and transportation if you are delayed during your trip for the amount of time required by your plan for a covered reason.

Baggage Loss

Lost luggage on your trip to Italy can be a nightmare. Travel insurance can help reimburse you for the contents up to a certain amount in accordance with your coverage limit.

To plan ahead and to prepare for the worst, jot down items as you’re packing them and snap some photos so you know exactly what you're bringing. Make sure to also detail each bag with an item inventory, in case only one of your bags goes missing.

Medical Coverage & Emergency Assistance

An unforeseen medical event could happen anywhere at any time, including in Italy. This can be especially stressful, considering you're out of your element and in a country with a different medical system.

Your standard stateside health insurance plan may not cover you if you’re overseas and something happens, requiring you to seek medical care, including emergency assistance. Covered medical costs with travel protection may range from hospital charges to the price of taking an ambulance.

Your travel protection may be able to cover expenses if you need medical help and you require an emergency medical evacuation. Emergency Assistance and Transportation coverage is available, so medical personnel can transport you to where you need to go.

What About Cancel for Any Reason Coverage (CFAR)?

Generali Global Assistance offers an add-on coverage called “Cancel for Any Reason,” also known as CFAR, for clients who purchase the Premium Plan. With this coverage, you can cancel your trip for any reason and get up to 60% back of the penalty amount. There are several  CFAR travel insurance requirements  in order to buy it. For example, the per-person cost of the Italian trip can’t exceed more than $10,000 for each person.

Note: Not available to residents of New York

How Do You Get Travel Protection for Italy Vacations?

The first step in getting travel protection for your Italy vacation is to review our  travel protection plans . We suggest the Premium Plan for trips abroad.  Get a quick and easy quote today  to see which of our plans would be best for your trip to Italy.

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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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Top Four Options for Travel Insurance to Italy

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

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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 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.

with our comparison partner, TravelInsurance.com

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] .

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Italy Travel Insurance Requirements

Last updated: 03/07/2024

Do You Need Travel Insurance to Visit Italy?

No, there are currently no insurance requirements for U.S. citizens traveling to Italy. With that said, many travelers purchase travel insurance prior to their trip for peace of mind and to protect against common travel disruptions.

Comprehensive travel insurance plans can offer reimbursement if your Italy vacation is impacted by unforeseen cancellations, delays, medical emergencies, and luggage issues.

How Much Is Italy Travel Insurance?

The cost of travel insurance is determined by five key factors, including the age of travelers on your policy, the cost of your trip, the length of your trip, the type of policy, and coverage limits.

In general, a comprehensive travel insurance policy will cost between 5-10% of your total insured trip costs. Among Squaremouth customers traveling to Italy, the average cost of trip insurance averages $350-$400.

Finding the Best Policy For Your Italy Trip

There’s no such thing as one-size-fits-all when it comes to travel insurance. Finding the right plan for your Italian adventure depends largely on your itinerary and your travel concerns.

For all travelers heading to Italy, we recommend finding a comprehensive plan that features well-rounded travel insurance benefits. The best travel insurance plan will include the following:

• Trip Cancellation : Provides reimbursement for prepaid, non-refundable trip expenses if you need to cancel your trip for a covered reason before you depart. Common reasons include an unexpected injury, illness, or death to a family member.
• Trip Interruption : Provides reimbursement for unused prepaid, non-refundable trip expenses if you need to end your trip early for a covered reason.
• Emergency Medical : Covers the cost of unexpected medical expenses while traveling, such as hospital bills, ambulance rides, and x-rays, among others. Exclusions may apply. We recommend at least $50,000 in Emergency Medical insurance for your Italy trip.
• Medical Evacuation & Repatriation : Covers the cost of emergency transportation to another medical facility or back to your home country if a treating physician deems it necessary for more adequate treatment. We recommend at least $100,000 in Medical Evacuation insurance for your Italy trip.
• Travel Delay : Can reimburse the cost of food, accommodations, and transportation if a flight is significantly delayed. The best trip delay plans will apply coverage after a delay exceeds three hours.
• Baggage & Personal Item Loss : Offers reimbursement if your baggage is delayed, lost, or stolen at any point during your trip.
• Rental Car Damage : If you plan on renting a car in Italy, some travel insurance providers offer plans that cover damage to the vehicle.
• Sports & Activities : Extends key benefits to travelers planning on partaking in activities that are typically excluded from coverage, such as skiing , paragliding, and mountaineering.

Click here to start an Italy travel insurance quote.

Is Travel Medical Insurance Needed For Italy?

Most primary healthcare policies, such as Medicare or an employer plan, don’t offer coverage overseas. For that reason, many travelers buy travel insurance specifically for medical coverage during their trip.

Most travel health insurance policies offer extensive coverage for unforeseen medical care you may need while traveling. This can include everything from an X-ray to an emergency medical evacuation, both of which can be expensive if not covered.

Some health insurance plans can also cover pre-existing medical conditions , but this is coverage is not as common. If you want coverage for medical treatment while traveling, be sure to compare plans from multiple travel insurance companies.

Other Italy Requirements to Consider

American travelers visiting Italy will be required to have a valid passport to enter the country. The U.S. Department of State recommends that your passport have at least 6 months validity.

Under the Schengen Borders Agreement , U.S. citizens can visit Italy, and other European countries in the Schengen area, to travel freely for up to 90 days. Any trips longer than 90 days will require a Schengen Visa.

Italy Travel Tips for U.S. Visitors

While Italy is known for its historic cities, incredible food, and beautiful landscapes, it’s important to keep in mind that it does pose its risks to travelers.

Crime in Italy

Violent crime in Italy is quite rare, and travelers for the most part are safe in most areas throughout the country. However, USA Today ranks Italy as the European nation with the most pickpockets. Keeping valuables in a safe, maintaining a low profile, and keeping your wits about you in public can help reduce the chances of being a target.

The U.S. The Department of State advises that travelers also exercise increased caution due to the threat of terrorism in major European cities, including those in Italy. Travel insurance can provide coverage in the event your trip is impacted by an attack that takes place in a city on your itinerary.

Can You Drink Tap Water in Italy?

According to multiple outlets, the tap water is generally safe to drink when visiting Italy. This includes public water fountains that can be found throughout major cities. If you plan on traveling to rural areas of Italy, however, it’s recommended to use water bottles if possible.

Italy Floods & Other Natural Disasters

When traveling, understanding the weather patterns and forecasts of the countries on your itinerary can help prepare you for your trip. Italy’s climate can vary widely depending on where you plan on visiting and the time of year. In general, summers are typically sunny and winters have colder temperatures and more rainfall.

The biggest weather concern among travelers, however, is flooding. Each year, the country experiences a high frequency of floods that disrupt travel and pose serious safety hazards. Venice and parts of Tuscany are notorious for floods.

If a flood occurs in an Italian city on your itinerary before you depart, you may be eligible to cancel your trip and receive reimbursement if you have Trip Cancellation coverage.

FAQs For Americans Visiting Italy

What are the best cities to visit in italy.

From Mediterranean coastline to bustling cities Italy is home to some of Europe’s most iconic destinations. If you’re making the long trip to Italy, make sure your travel plans include at least a couple of the following stops:

• Amalfi Coast
• Cinque Terre

When is the Best Time to Visit Italy?

Some of the most popular times to visit Italy are during the spring and early fall. Months to consider for your upcoming Italy trip include April, May, September, and October. During these seasons, you can expect thinner crowds, lower prices, and comfortable temperatures.

What Currency Is Accepted in Italy?

Similar to most of Western Europe, like France and Spain, the accepted currency in Italy is the Euro (€). Click here to view the latest exchange rates between the U.S. dollar and the Euro.

You can exchange money prior to your trip or during your trip. However, travelers may experience better exchange rates by using their debit card at a local ATM . It’s possible to avoid fees and exchange rates altogether by using a travel credit card during your trip.

Do You Tip in Italy?

Unlike in the United States, tipping is not expected in Italy. With that said, leaving gratuity for a job well done is a way to show your appreciation for services received. Since there are no set rules around tipping in Italy, it is up to your discretion how much tip, if any, you wish to leave.

Italy Articles and Press Releases

• Summer Travel Recap: Latest Trends Reveal Rise in International Travel, Last Minute Trips and Young Travelers
• Europe is Top Destination for US Travelers Amid Entry Rule Change
• Europe Returns to No. 1 Destination for US Travelers for First Time Since Covid-19

Helpful Resources

• Italian Tourism Official Website
• Visit Italy

Available Topic Experts for Media:

Squaremouth's destination information is free and available for use within your reporting. Please credit Squaremouth.com for any information used.

Squaremouth's topic experts are on hand to answer your questions. Contact a member of our team for media inquiries about Squaremouth Analytics or to schedule an interview.

Steven Benna, Lead Data Analyst: [email protected]

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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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11 Best Travel Insurance Companies in May 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

If you don't have sufficient travel insurance coverage via your credit card , you can supplement your policies with third-party plans.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers, top credit cards with travel insurance, methodology, best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at nearly all plan levels. 

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

» Jump to the best cards with travel insurance

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Special medical insurance for ship captains and crew members, international students and missionaries.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Here is the list of travel cards offered by Chase that include various forms of travel insurance.

Having one of these in your wallet is a good start to protecting your travel investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 12 hours.

• Car rentals: Theft and collision damage for most cars in the U.S. and abroad.

• Trip cancellation: Up to $1,500 per person and $6,000 per trip.

• Trip interruption: Up to $1,500 per person and $6,000 per trip.

• Baggage delay: Up to $100 per day for three days.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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Travel Insurance for Italy

Purchase insurance online on the website. Payment by any bank card. The insurance policy will be sent to your email within 3-5 minutes after payment. Valid worldwide electronically or print yourself

The insurance is valid in any country of the world

Any nationality

Insurance is suitable for citizens from any country and with any citizenship

The insurance is valid for people from 1 to 100 year old

Visa & Embassy

Insurance is suitable for submitting documents to the embassy and applying for a visa

The perfect travel health insurance that quickly solves problems of the tourist

The best health insurance for tourists. A single convenient tariff plan that includes all options. Price 1,5 USD for each day of travel

• Coverage of treatment for COVID-19
• Coverage for the treatment of other viral diseases
• Medication provision
• Treatment due to injury
• Calling a doctor
• Examination / doctor's consultation
• Emergency dental care
• Obstetric care until the 27th week
• Outpatient treatment
• Inpatient treatment
• Emergency call
• Calling a taxi to the hospital
• Transportation by medical aviation
• Medical evacuation to the country of residence
• Medical care
• Repatriation of the body to the homeland
• Burial in place
• Monetary compensation as a result of damage to the life or health of third parties
• Monetary compensation as a result of moral damage caused to third parties
• Monetary compensation as a result of damage to the property of third parties
• Transportation after inpatient treatment
• Depositing the deposit necessary for the release of the insured person from arrest

Select your travel details

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How to quickly get a travel medical insurance for visa and travel in 4 easy steps?

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Insurance details:

Trip duration:

Tourists: 1

Insurance includes:

35,000 USD (deductible 100 USD) , Calm

• 500 000 USD
• 1 000 000 USD
• Student Specially for students
• Work Accredited insurance for work
• Calm Fitness, yoga and pilates
• Extreme Wakeboard, freeride, wrestling
• Sport Competitions, training and camps
• Cruise For cruise ship travel

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Medical coverage on 35,000 USD (deductible 100 USD) , Calm

Outpatient care, emergency doctor visits, dentistry, prescription drug costs

Enter your first and last name in the Latin alphabet, as in the passport

Trip participants

Tourist No. 1

, complete the purchase

We recommend including additional insurance in the policy

No deductible Deductible is the amount that the client must pay upon the occurrence of an insured event. Example: The hospital fee is $1,000. The deductible under tariff is 100 USD, the client pays 100 USD, and the insurance company pays 900 USD. Thus, the amount is divided between the client and the insurance company in accordance with the terms of the tariff plan.

Trip cancellation any serious injury of unforesseen medical condition that makes you unfit for travel (by order of licensed physician). the death of you or your travelling companion, or the death of a non-travelling family member. strikes or severe weather that result in travel services being unable to operate.unforeseen natural disasters at home or at the destination that make them uninhabitable. a legal obligation such as jury duty or being served with a court order or subpoena., search and rescue operation including evacuation by helicopter. up to 6000m, premium loss of baggage.

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Frequently asked questions

What does deductible mean, is travel insurance necessary, can i buy an insurance policy while i'm already abroad, when does the insurance policy become active, what language should i use when entering information for travel insurance, what should i do if i enter incorrect data, how do i buy insurance for a kid, can i get insurance for someone else, what country should i specify in the policy if i visit multiple countries consecutively, what steps should i take if the payment does not go through, how long does it take to get the insurance policy after i pay for it, how will i receive the policy, what if i haven't received my policy, what should i do in case of an insured event, what steps does the insurance company take to handle compensation after something's gone wrong, can i purchase insurance for just one day, is it necessary to buy insurance for transit flights, select a country and language, write to the director, type of travel.

Please select the type of travel that covers the majority of risks during your trip.

• Running and walking;
• Fitness, yoga and pilates
• Aerobics and aqua aerobic;
• Fishing (except underwater fishing);
• Descent into the cave with an excursion;
• Snorkeling;
• Organized animal riding tours;
• Billiards and bowling;
• Swimming (except diving).
• Weightlifting and bodybuilding;
• Cycling (except road cycling, cycling motocross, cycling track, cycling triathlon, and mountain biking);
• Military and historical reenactments;
• Rowing (kayaking and canoeing);
• Ice skating (except figure skating), sledding (except bobsledding, tobogganing, and skeleton), tubing, snow skates;
• Ball games (football, basketball, American football, rugby, volleyball, and others);
• Tennis (any);
• Roller skating (except rollerblading), scooters, segways (and other self-balancing personal transporter devices);
• Travel as a driver or passenger on ATVs, scooters, mopeds, scooters and motorcycles, snowmobiles;
• Visiting water parks, amusement parks, jumping on a trampoline;
• Water activities (other than those explicitly mentioned in the riskier options), including the use of water bicycles (except aquabikes and jet skis), towed inflatables and parachutes (parasailing), boats and watercraft;
• Recreational organized shooting at specially equipped sites (including archery);
• Water skiing, water motorcycles (aquabike), water tourism including yachting and participation in regattas;
• Alpine skiing and snowboarding on specially equipped or marked tracks (except freestyle);
• Trekking (cross-country hiking without mountaineering equipment) up to 3000 meters above sea level;
• Jeep safari;
• Surfing (including windsurfing and wakesurfing, except skysurfing);
• Sandboarding;
• Unaccompanied animal riding (including horseback riding);
• Sports and ballroom dancing.
• Motor sports on special tracks;
• Arm wrestling;
• Bungee jumping, rope jumping, base Jumping and other types of bungee jumping;
• Bobsledding and Luge;
• Wakeboarding;
• Cycling (including motocross, road, BMX, track, mountain biking, trials);
• Alpine skiing and snowboarding (including freeride and heliskiing);
• Martial Arts (including all types of boxing and wrestling: boxing, MMA, Muay Thai, kickboxing, and others);
• Paragliding;
• Hot Air Balloon;
• Cliff diving;
• Mountaineering (mountain hiking, rock climbing, mountain biking, trekking (climbing) in mountains above 3,000 meters);
• Participation in any flight and parachuting;
• Hunting with any type of weapon;
• Hang Gliding;
• Parkour and freerunning;
• Rodeo (bull riding);
• Rollerblading;
• Trolley rappelling;
• Street luge racing;
• Flyboarding;
• Freestyle (skiing and snowboarding);
• Pogo-stick;
• Rock and ice climbing;
• Figure skating;
• Kiting (including kitesurfing and snowkiting);
• Scuba diving;
• Underwater fishing;
• Mountainboarding.
• Exacerbation of chronic diseases
• Coverage of the diagnosis of COVID-19
• Compulsory observation for up to 15 days
• Amount of compensation in case of an accident
• Return of adults
• Returning home minor children
• Standart loss of baggage
• Flight delay over 4 hours
• Loss of documents
• Expenses for staying abroad
• Payment of attorney's services
• Payment of interpreter services
• Reimbursement of costs for the preparation of documents necessary for returning to the country of permanent residence
• Reimbursement of losses that led to breakdown or damage of rented / rental sports equipment
• Payment of the cost of telephone communication
• Car transportation to the nearest service station
• Return of the driver and passengers to the country of permanent residence
• Sudden technical breakdown or damage due to a road accident

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Introduction to Generali Global Assistance Travel Insurance

• Generali Global Assistance Cost

Compare Generali Travel Insurance

• Why You Should Trust Us

Generali Global Assistance Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Generali Global Assistance is a well-established name within the travel insurance industry. Ideally, this translates to a travel insurance company with first-class service and coverage. The question for many consumers is simple: Does Generali live up to customers' expectations?

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 plans with diverse coverage including sporting equipment and medical and dental
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Buyers can get up to $1 million in emergency assistance coverage with the premium plan
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable premiums
• con icon Two crossed lines that form an 'X'. CFAR coverage is expensive relative to standard policies
• con icon Two crossed lines that form an 'X'. CFAR only covers up to 60% of non-refundable costs
• con icon Two crossed lines that form an 'X'. Multiple reviews indicate claims team didn’t start processing claims until policyholders called more than 30 days after filing

Generali Global Assistance is a reputable travel insurance provider offering multiple tiers of travel insurance coverage at reasonable rates. It offers the standard coverage for trip cancellations, emergency medical expenses, and evacuations. However, Generali falls short of the best travel insurance companies . 

While Generali's coverage isn't necessarily bad by any means, it fails to distinguish itself in any way. Its plans are on the cheaper side, but aren't the cheapest. Its offers all the key coverages, but limits aren't exceptionally high. Even its additions are middling, such as its cancel for any reason coverage, which reimburses you for 60% of your nonrefundable costs when most of the best CFAR travel insurance offers 75% coverage.

It's also worth mentioning that Generali is notably strict on its pre-existing condition coverage. Pre-existing condition waivers are only offered with the most expensive Premium plan, and travelers must purchase the plan within 24 hours of their final trip deposit. 

Coverage Options Available With Generali

Generali offers three tiers of travel insurance coverage: Premium, Preferred, and Standard. All three travel insurance policies cover baggage delay and loss, travel delay, interruption, cancellation, and missed connection reimbursement benefits.

Here are some of the highlights for each plan to help you better understand what coverage you may need:

The Standard Plan offers the lowest coverage with more budget-friendly premiums. It offers up to 125% reimbursement for trip interruption and up to $1,000 in travel delay reimbursement. Policyholders are limited to $250,000 per person for emergency assistance or transportation. If your baggage is lost, you'd have $1,000 to replace toiletries, clothing, and other belongings.

With the Preferred plan, you can expect 150% reimbursement for inevitable trip interruptions. It also offers travelers up to $1,000 per person for travel delay reimbursement. In addition, the emergency assistance or transportation coverage drops from $1 million to $500,000 per person, and travelers can enjoy up to $1,500 per person if baggage is lost.

Generali's Premium plan offers generous coverage for various scenarios. For example, you'll enjoy up to 175% reimbursement of your trip cost if your travels are interrupted for reasons beyond your control. Generali's Premium plan also includes up to $1,000 per person in travel delay reimbursement and up to $1 million per covered individual for emergency assistance or transportation. Finally, it has up to $2,000 per person in replacement expenses (i.e., toiletries, clothing, and other necessities while you wait for your delayed bag) if your baggage is lost.

You can compare Generali's three plans below.

Additional Coverage Options

Generali offers two add-on services alongside your base travel insurance plan:

Trip cancellation for any reason (CFAR)

Cancel for any reason (CFAR) coverage reimburses you for nonrefundable expenses associated with canceling travel you've already paid for. Generali's Premium plan is eligible for CFAR coverage which pays you back for 60% of the total nonrefundable cost of your travel.

You must purchase CFAR coverage on your Premium plan within 24 hours of your initial deposit. However, eligible customers can take advantage of its full benefits, as the name suggests, for any reason. Medical problems, family emergencies, work scheduling issues, or just changing your mind are a few of the reasons Generali might pay a CFAR claim.

Preferred and Standard plans are not eligible for CFAR upgrades. New York residents are also not eligible for CFAR coverage. Generali's website estimates buyers will pay an additional 50% in travel insurance premiums for this rider while the max reimbursement is only 60% of the "penalty amount" (i.e., nonrefundable costs).

Rental car damage protection

Travelers can also purchase rental car coverage alongside their travel insurance policy. Premium plan customers already have up to $25,000 in rental car protection in their policy benefits. Preferred and Standard plan holders can purchase the same coverage amount.

Texas residents are not eligible for rental car coverage. If you're unsure about this rider, we recommend checking the limits of your auto insurance . Generally, U.S.-based auto insurance extends to rental cars. But you may want to supplement your coverage depending on what you already have.

Generali Global Assistance Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The  average cost of travel insurance  is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for the plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate Generali's coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following Generali travel insurance quotes:

• Generali Standard: $82.50
• Generali Preferred: $95.70
• Generali Premium: $113.47

Premiums for Generali plans are between 2.75% and 3.8% of the trip's cost, well below the average cost of travel insurance. It's also relatively cheap compared to many of its competitors

Generali provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• Generali Standard: $108.75
• Generali Preferred: $126.15
• Generali Premium: $145

Once again, premiums for Generali plans are between 2.7% and 3.6%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following Generali quotes:

• Generali Standard: $271.14
• Generali Preferred: $304.68
• Generali Premium: $459.02

Premiums for Generali plans are between 4.5% and 7.7%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to Purchase and Manage a Generali Policy

To buy a Generali travel insurance policy, you'll need to obtain a quote on its website. You'll need to enter your intended destination, travel duration, number of travelers, state of residence, age of traveler(s), and total cost of your trip. 

You'll get quotes for all three Generali plans with general overviews of the policy benefits. You'll also find a detailed coverage description when you click "View Plan Documents." We highly encourage you to read through the terms to fully understand your policy. You can call 888-210-2134 for Generali's customer service line when purchasing a policy.

How to File a Claim with Generali Travel Insurance

To file a claim with Generali's travel insurance division, start at the eClaims portal .

You can also call its claims department at 800-541-3522 for assistance. Generali promises all insurance claim calls will be returned within one business day, and most calls are returned on the same day they are received. Many people reported quick claims processing and reimbursement when we reviewed recent customer feedback.

However, several reviews described waiting over 30 days only to discover Generali had yet to review their claims submission. As such, if you are still waiting to receive a response indicating Generali is working on your claim within a few days, we recommend checking in with customer service.

You'll need to provide supporting documentation for your claim, such as proof of travel delay from the airline or relevant claim checks for lost baggage. Your eClaims portal should give you the necessary details and update you on the ongoing status of your claim. Email the claims team for questions at [email protected] or use the eClaims chatbot for automated assistance.

Generali Customer Service and Claims Experience

Generali's reviews vary wildly depending on the site you check. On its Better Business Bureau page, Generali scores an average of 1.11 stars across 315 reviews. On Trustpilot, it scores an average of 3.5 stars across 419 reviews. Lastly, it has an average of 4.33 stars on SquareMouth across nearly 4,500 reviews. 

Many five-star reviews mention how easy it was to purchase a Generali plan and how that plan gave them peace of mind while traveling even if they never had to file a claim. However, most of the mixed reviews come from people who filed claims, reporting long wait times, uncommunicative claims agents, and claim rejections with no explanation. 

That said, Generali's customer service team is generally very responsive, particularly on its BBB and Trustpilot pages. Reviews on these pages generally get a response within a week. 

Learn more about how Generali Travel Insurance compares to popular travel insurance companies.

Generali Global Assistance Travel Insurance vs. Nationwide Travel Insurance

Nationwide Travel Insurance is part of an extensive network of insurance products. Unlike Generali, you'll recognize any Nationwide Travel Insurance product as it's listed on the same website. In addition, Nationwide Travel Insurance offers bundling discounts, depending on what you're buying. It also sells short-term and long-term insurance plans (like auto and home).

Nationwide has been in business since 1925. Its travel insurance wing offers plans and coverage options to suit diverse travelers' needs. Customer review sites like Trustpilot had reviews complaining about long wait times and claims overlooked with Generali. Nationwide's reviews described long processing times, poor communication, and other claims-based issues.

If you're solely concerned about coverage and rates, Generali is upfront about the fact that its CFAR coverage is exceptionally costly. The company's website seems to imply the CFAR rider's cost is bloated compared to its value. But its basic plans have a few more perks compared to Nationwide Travel Insurance's single-trip plans. And while Nationwide Travel Insurance offers cruise plans and multi-trip options, Generali does not match at the time of this review.

Read our Nationwide Travel Insurance review here.

Generali Global Assistance Travel Insurance vs. Allianz Travel Insurance

Allianz Travel Insurance is another reputable insurance company that has been in business since 1890. Allianz Travel Insurance is one of the biggest names in travel insurance, serving more than 55 million travelers across dozens of countries.

Both Generali and Allianz Travel Insurance offer comprehensive single-trip coverage options for travelers. Generali's website makes reviewing and comparing its three travel insurance plans easy. However, Allianz Travel Insurance offers annual (multi-trip) policies while Generali doesn't. Both companies list rental car protections for some travelers.

Allianz customers leaving reviews online indicate the claims process may be confusing and drawn out. Most importantly, a few reviews cautioned future travelers to come in with complete documentation. In our experience, offering more paperwork rather than less with Allianz Travel Insurance is better.

Read our Allianz Travel Insurance review here.

Generali Global Assistance Travel Insurance vs. InsureMyTrip

InsureMyTrip.com is an insurance broker that uses your travel details to collect insurance company bids on your behalf. You can enter your information and get multiple quotes back. As a result, Generali may be one of the insurance providers providing you with a quote through InsureMyTrip. Rates may not match what a provider would offer on its website, though. Broker websites like InsureMyTrip often charge a premium to account for third-party fees or offer discounts as a partner company knows it's competing for customers no matter what. Whatever the case, InsureMyTrip makes it easier to shop for travel insurance. However, it would not process any claims. So for some consumers, it may be more complicated to determine where to go to make a claim against their policies or get help if something goes wrong.

Read our InsureMyTrip Travel Insurance review here.

Why You Should Trust Us: How We Reviewed Generali Global Assistance Travel Insurance

When evaluating travel insurance companies, we consider various factors, including the number of plans available, the coverage, feedback from customer reviews, average premiums, customer support, ease of filing claims, and reimbursement times. No single factor can truly determine how travel insurance companies stack up.

These factors together allow us to develop ratings for each travel insurance company. Then we break down the pros and cons, pointing out potential issues. We also aim to bring to light solutions other buyers have already found should you choose to work with the travel insurance provider being reviewed.

You can read more about how Business Insider rates insurance products here.

Generali Global Assistance Travel Insurance FAQs

Generali's Premium plan covers pre-existing conditions if you buy the policy within 24 hours of your final trip deposit. Its Preferred and Standard plans do not offer pre-existing condition coverage.

Generali has additional coverage options for rental car insurance for its Preferred plan and CFAR coverage for its Premium plan. 

In case of emergency assistance needs while covered by Generali, policyholders should contact Generali's 24/7 hotline for immediate support. You can reach the hotline at 877-243-4135 in the U.S. and 240-330-1529 worldwide.

Generali's travel insurance coverage may include limitations or exclusions based on travel destinations, especially in relation to governmental travel advisories or high-risk areas. Policyholders should review Generali's policy documentation or contact them directly for clarification on any geographic restrictions.

Generali states it will review claims within 30 days, but customer reviews have described longer wait times.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Italy Travel Insurance Market Expected to Reach $909 Million By 2027 | AMERICAN INTERNATIONAL GROUP, INC

Italy Travel Insurance Market Expected to Reach $909 Million By 2027

NEW CASTLE, WILMINGTON, UNITED STATES, May 6, 2024 / EINPresswire.com / -- According to a recent report published by Allied Market Research, titled, " Italy Travel Insurance Market By Insurance Cover, Distribution Channel, Distribution Mode, and End User: Country Opportunity Analysis and Industry Forecast, 2020-2027", the country market was valued at $440 million in 2019, and the Italy travel insurance market forecast is projected to reach $909 million by 2027, growing at a CAGR of 17.5% from 2020 to 2027.

➡️𝐑𝐞𝐪𝐮𝐞𝐬𝐭 𝐑𝐞𝐬𝐞𝐚𝐫𝐜𝐡 𝐑𝐞𝐩𝐨𝐫𝐭 𝐒𝐚𝐦𝐩𝐥𝐞 & 𝐓𝐎𝐂 : https://www.alliedmarketresearch.com/request-sample/4527

Increased usage of smartphones and internet for online travel insurance purchases via direct airline sites, online travel agencies (OTAs), and company websites & applications are gaining momentum space and are contributing to the growth of the online Italy travel insurance market. In addition, rise in tourism due to increase in disposable income, easy online travel bookings, package holidays, extensive coverage of holidays, and others drive the market growth.

With an increase in tourism, several incidences such as trip cancellations, loss of luggage & important documents, medical emergencies, and others take place. To mitigate these risks, consumers opt for travel insurance, which is a significant driving factor for the Italy travel insurance market. However, lack of awareness toward travel insurance policies, and severe impact of COVID-19 on sale of premiums limit the Italy travel insurance market growth.

On the basis of insurance cover, the single trip travel insurance segment dominated the Italy travel insurance industry in 2019 and is projected to maintain its dominance during the forecast period. Single trip travel insurance provides customized offerings & covers a combination of eventualities, including trip cancellation, injury & illness, public liability, emergency repatriation, loss of baggage, and others in the country. In addition, the growth of this insurance cover is expected to gain momentum space due to its best suited policies for family travelers preferring vacation once or twice a year, thus expected to grow at a significant CAGR during the forecast period.

The insurance intermediaries sector dominated the Italy travel insurance market industry in 2019 and is projected to maintain its dominance during the forecast period, owing to intermediaries directly deal with a range of hotel chains and flight operators for providing better customer services in the market. Moreover, majority of travel bookings are made via core travel agent and tour operator involved in this intermediary. As a result, travel intermediaries providing travel insurance & assistance services; thereby, representing a significant Italy travel insurance market growth in the segment during the forecast period.

➡️𝐑𝐞𝐪𝐮𝐞𝐬𝐭 𝐂𝐮𝐬𝐭𝐨𝐦𝐢𝐳𝐚𝐭𝐢𝐨𝐧 𝐖𝐞 𝐨𝐟𝐟𝐞𝐫 𝐜𝐮𝐬𝐭𝐨𝐦𝐢𝐳𝐞𝐝 𝐫𝐞𝐩𝐨𝐫𝐭 𝐚𝐬 𝐩𝐞𝐫 𝐲𝐨𝐮𝐫 𝐫𝐞𝐪𝐮𝐢𝐫𝐞𝐦𝐞𝐧𝐭 : https://www.alliedmarketresearch.com/press-release/italy-travel-insurance-market.html

Furthermore, the insurance broker segment is expected to grow at a significant CAGR during the forecast period. As this distribution channel provides customized & personalized services by utilizing several websites and online selling platforms in the country, which is becoming major growth factors in the Italy travel insurance market.

The changing demands for travel insurance claims and restrictions for travelling across the countries, have led to decline in sale of travel insurance premiums in Italy. Furthermore, with consecutive lockdowns, social distancing norms, and an increased number of COVID-19 positive cases, travel insurance providers have largely been affected, which has resulted in massive loss for the insurers in the country.

Key Findings of the Study

By insurance cover, the single trip travel insurance segment led the Italy travel insurance market size in terms of revenue in 2019. By distribution channel, the insurance intermediaries segment accounted for the highest Italy travel insurance market share in 2019. By end user, business travelers segment is expected to attain the significant growth during the forecast period. The key players profiled in the Italy travel insurance market analysis are Allianz, American International Group, Inc. , AXA, ASSICURAZIONI GENERALI S.P.A., Cattolica Assicurazioni, Columbus Direct, ERGO Group AG , IMA Italia Assistance S.p.A., Insure & Go Insurance Services Limited, Italy Travel Company, MAPFRE, Nobis Insurance Company SpA, and Reale Mutua Assicurazioni. These players have adopted various strategies to increase their market penetration and strengthen their position in the industry.

➡️𝐈𝐧𝐪𝐮𝐢𝐫𝐞 𝐁𝐞𝐟𝐨𝐫𝐞 𝐁𝐮𝐲𝐢𝐧𝐠: https://www.alliedmarketresearch.com/purchase-enquiry/4527

➡️𝐓𝐫𝐞𝐧𝐝𝐢𝐧𝐠 𝐑𝐞𝐩𝐨𝐫𝐭𝐬 𝐚𝐭 𝐃𝐢𝐬𝐜𝐨𝐮𝐧𝐭𝐞𝐝 𝐏𝐫𝐢𝐜𝐞:

U.S. Extended Warranty Market https://www.alliedmarketresearch.com/us-extended-warranty-market-A11844

Credit Card Payment Market https://www.alliedmarketresearch.com/credit-card-payments-market-A11836

Banking Encryption Software Market https://www.alliedmarketresearch.com/banking-encryption-software-market-A11824

Italy Gift Cards Market https://www.alliedmarketresearch.com/italy-gift-cards-market

BFSI BPO Market https://www.alliedmarketresearch.com/bfsi-bpo-services-market-A11339

Hybrid Funds Market https://www.alliedmarketresearch.com/hybrid-funds-market-A07395

Venture Capital Funds Market https://www.alliedmarketresearch.com/venture-capital-funds-market-A07538

About Us: Allied Market Research (AMR) is a full-service market research and business-consulting wing of Allied Analytics LLP based in Wilmington, Delaware. Allied Market Research provides global enterprises as well as medium and small businesses with unmatched quality of "Market Research Reports Insights" and "Business Intelligence Solutions." AMR has a targeted view to provide business insights and consulting to assist its clients to make strategic business decisions and achieve sustainable growth in their respective market domain.

We are in professional corporate relations with various companies, and this helps us in digging out market data that helps us generate accurate research data tables and confirms utmost accuracy in our market forecasting. Allied Market Research CEO Pawan Kumar is instrumental in inspiring and encouraging everyone associated with the company to maintain high quality of data and help clients in every way possible to achieve success. Each data presented in the reports published by us is extracted through primary interviews with top officials from leading companies of domain concerned. Our secondary data procurement methodology includes deep online and offline research and discussion with knowledgeable professionals and analysts in the industry.

Contact Us: United States 1209 Orange Street, Corporation Trust Center, Wilmington, New Castle, Delaware 19801 USA. Int'l: +1-503-894-6022 Toll Free: +1-800-792-5285 Fax: +1-800-792-5285 [email protected]

David Correa Allied Market Research +18007925285 ext. email us here

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EIN Presswire's priority is source transparency. We do not allow opaque clients, and our editors try to be careful about weeding out false and misleading content. As a user, if you see something we have missed, please do bring it to our attention. Your help is welcome. EIN Presswire, Everyone's Internet News Presswire™, tries to define some of the boundaries that are reasonable in today's world. Please see our Editorial Guidelines for more information.

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Best travel insurance plans for 2024: a unique and comprehensive list for travelers from international citizens insurance.

Including the Best Plans for Seniors, Global Nomads, Visitors to the USA, Pets, Adventure Sports Addicts and More

BOSTON, MA / ACCESSWIRE / May 2, 2024 / International Citizens Insurance, a leading international insurance broker, has announced the best travel insurance plans for 2024 summer travel. As the cost of airfare and hotels continues to rise along with the increase in flight delays and cruise cancellations, this list could not have come at a better time for travelers looking to protect their travel plans and their finances.

"This summer's travel season promises a high level of demand, increasing costs, and a strong potential for travel disruptions due to political unrest, weather, and other factors," said Joe Cronin, President of International Citizens Insurance. "Our clients want travel insurance they can trust to help them if they suffer a cancellation, a medical emergency, lost luggage, a natural disaster, or have to change plans due to unforeseen events. With this list, they will be able to find the best overall travel insurers as well as the right plans for their individual needs."

International Citizens Insurance judged each company and plan on six key criteria: the user-friendliness of their site, the ease of policy purchase, the number of countries plans are offered in, how extensive the benefits are, the ease of making a claim and the quality of the company's customer service. The most trusted insurers include WorldTrips , who made history as one of the first insurers to offer plans for purchase over the internet; GeoBlue Travel Insurance , which supports seniors with coverage for people up to 84 years old; and Trawick International, which offers coverage for over 500 adventure sports activities.

To help customers find the best insurance for their specific needs, International Citizens Insurance has also identified the best insurance for several use cases, including Cancel for Any Reason (CFAR) insurance, travel medical plans, and insurance with coverage for pets. International Citizens Insurance has also identified the best plans for clients with special needs, including seniors, missionaries and volunteers, U.S. citizens abroad, and digital nomads.

In today's unpredictable world, travel insurance has become the most essential accessory for any international traveler. Travelers want trip cancellation insurance to protect their trip and travel medical insurance plans to protect their health. But with so many companies out there, which ones can you trust?

Learn more about the best travel insurance companies at https://www.internationalinsurance.com/travel-insurance/best-companies.php .

About International Citizens Insurance

International Citizens Insurance is the insurance division of International Citizens Group. We provide educational content, reviews, and unique comparison engines that enable travelers and expatriates to research, quote, compare, and purchase global life, travel, and international health insurance from various carriers.

Contact Information

Joe Cronin President [email protected] 617-500-6738

Andrew Blomberg Vice President, Global Group Benefits [email protected] (339) 221-5190

SOURCE: International Citizens Insurance

View the original press release on newswire.com.

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Is travel insurance worth it?

April 30, 2024 | 2 min read

Planning a trip and wondering if you need a travel insurance policy? Keep reading to learn more about travel insurance to decide whether it’s right for you.

Key takeaways

• Travel insurance can provide financial protection if things go wrong before or during a trip.
• You might get travel insurance to cover potential losses from trip cancellations or delays, lost baggage or medical issues.
• Factoring in details specific to your trip and balancing with existing coverage might help you decide whether travel insurance is right for you.

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What does travel insurance do?

Travel insurance is a type of specialized protection that might help protect against financial losses from airline delays, medical issues or other unexpected occurrences. Some travel insurance plans focus on specific things, like lost baggage or health care. Others offer a wide range of benefits under a single plan. It’s a good idea to make sure you understand the terms and conditions, because coverage varies.

When might travel insurance be beneficial?

Some of the situations where it can help to have travel insurance include:

Interruptions and cancellations

Trip delay insurance covers food and lodging expenses if you experience an airline delay. Trip cancellation insurance can reimburse your prepaid costs if an illness forces you to cancel entirely.

Baggage issues

Baggage loss coverage can reimburse you if your luggage is lost, stolen, damaged or delayed.

Medical emergencies

Travel health or medical insurance can cover everything from medication to emergency medical evacuation if you become sick or injured when traveling abroad .

When might travel insurance be unnecessary?

There’s no right or wrong time for travel insurance. It depends on your circumstances. But when deciding whether travel insurance is worth it, you can consider things like:

• Type and length of trip: If the trip’s refundable, you might not need extra protection. And a short or cheap trip might not be worth the cost of coverage.
• Your existing coverage: Check existing policies and agreements. If you have coverage through your health insurance provider, credit card issuer or card network, you may not need more.

Considering travel insurance in a nutshell

Travel insurance can offer peace of mind if anything goes wrong before or during a trip. But it may not always be worth it. If you’re considering travel insurance coverage, looking at your situation, your trip and the terms and conditions of your existing insurance policies could help you determine whether the benefits outweigh the costs.

If you’re interested in getting insurance coverage from a credit card, you can check out the benefits that come with Capital One rewards credit cards .

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Cruise packing list: the essentials chosen by experts.

This cruise packing list includes all of the essentials – plus items you didn't know you needed.

Essentials to Pack for a Cruise

Packing for any trip takes some planning, but cruise vacations present a unique challenge – particularly due to limited stateroom storage space and sparse (or overpriced) options for purchasing accidentally forgotten items.

To help you decide what to pack for a cruise, we've curated a list of essentials recommended by cruise experts who regularly sail the high seas. Download the U.S. News Cruise Packing List pictured above to reference while you pack, and read on to learn more about the recommended items and where you can purchase them if needed.

• For packing and planning
• For travel and embarkation day
• For the cabin
• For the ship and shore excursions

Find your perfect cruise

Carry-on bag

Regardless of whether you bring checked luggage, you'll need some type of carry-on bag . Since checked bags need to go through security as they do at airports – and because you may need to wait for your stateroom to be ready, just like at a hotel – you'll want to be able to access any necessities pre-cruise. These might include a swimsuit, sunscreen, sunglasses and a hat for the pools; medications; a bottle of water; and your smartphone, of course. You'll also want to keep your credit card , passport, and any other important documentation or valuables close by. A carry-on backpack works especially well since it can double as a day bag for shore excursions.

Checked bag

While you'll likely want to bring a checked bag, consider sharing one with your ship mate(s) to maximize stateroom storage space. Or, consider bringing medium-sized luggage, such as the The Medium by Away , for checking in.

Read: The Best Checked Luggage Options

Garment bag

Courtesy of Halfday

While many cruises are less formal these days, a garment bag can still be handy for keeping select garments wrinkle-free (since clothing irons are prohibited on cruise ships). Top-rated options include the The Garment Duffel by Halfday and the Briggs and Riley Baseline 22" Carry-On 2-Wheel Garment Bag , both of which double as traditional luggage. If you pack your luggage right, you can make this your only suitcase, in addition to a carry-on bag.

Packing cubes or vacuum-sealed bags

Packing cubes are one of the best ways to organize your belongings for travel – especially in a tight cruise ship cabin. Top-rated options include the Veken packing cubes on Amazon (usually priced around $20) and all of the Pack-It Sets by Eagle Creek. The Pack-It Starter Set is especially ideal for cruising since it includes a garment folder designed to minimize wrinkles in clothing. Some cruisers also swear by vacuum-sealed bags , even though they can be a bit more tedious to pack.

Carry-on caddy

Ashley Kosciolek, senior cruise writer at The Points Guy, recommends a carry-on caddy , particularly if you're flying to your embarkation point. "I have a fabric sleeve that slides down over the telescoping handle on my carry-on to provide pockets for my passport, phone, coffee – all the things I used to have to juggle during check-in."

Digital luggage scale

The compact Etekcity scale – approximately $10 on Amazon – can weigh bags up to 110 pounds and help you avoid overweight baggage fees.

Bungee cord

"Especially for travelling with the family, I use a bright-green bungee cord to strap multiple pieces of luggage together," says Aaron Saunders, senior editor at Cruise Critic. "It's a lifesaver when boarding trains or disembarking ships, particularly when you ' re maneuvering a stroller and a little one around, too."

Luggage tracker

Courtesy of Apple

A luggage tracker isn't just useful for air travel. Attach one to your checked cruise luggage to see when it has arrived in your stateroom (or if it's stalled at security). Chris Gray Faust, executive editor at Cruise Critic, doesn't go anywhere without her Apple AirTag after her luggage got stuck in Vancouver for over a week last June. "My AirTag use has expanded beyond my checked luggage, too. I also have AirTags in my handbag, my carry-on, my keychain and my wallet."

Cruise insurance

Due to the unpredictable nature of travel, cruise insurance can be a wise purchase ahead of your voyage. Travel policies can cover unforeseen expenses such as trip interruptions and medical emergencies.

While a passport is often required for cruising, rules can vary depending where you're traveling. Determine whether you need a passport for your upcoming cruise ; if you do, triple-check that you have it packed the day of departure.

Credit cards and local currency

When cruising internationally, consider getting small amounts of each country's currency to have on hand in port. Depending where you go, some local markets may only accept their own country's currency, not U.S. dollars or credit cards. It's also nice to leave cash gratuities for cab drivers, tour guides or servers; in the European Union, 1- and 2-euro coins are convenient and appropriate tips. In ports with vendors that do accept credit cards, be sure to carry a Visa or Mastercard , as some shops and restaurants do not take American Express .

RFID wallet

It's important to protect your travel documents with an RFID wallet like the TIGARI Passport Holder or the ZOPPEN RFID Travel Passport Wallet , the latter of which can hold multiple passports for a family. "Thieves and hackers can steal your credit card information just by using skimming devices," explains Jill Schildhouse, a cruise expert and U.S. News contributor who always travels with her RFID wallet. "And because your wallet wasn't even touched, you won't know it happened until you see your credit card statement."

Medications

Pack more than enough of your prescription medications as well as any over-the-counter medicines you'll need, just in case you encounter an itinerary change or travel delay. While some travelers find it easiest to bring personal medicines in their prescription bottles, others find travel pill boxes to be especially helpful for organization. The Sukuos Weekly Pill Organizer is a well-rated option, with detachable boxes for each day as well as compartments for morning and evening medications.

Sheet masks

Since flying can be so drying for the skin, Faust likes to use sheet masks. "My first step the night before I board (because you should always fly in a day early) is to hydrate with a sheet mask (usually from a Korean brand like Ballon Blanc or FaceTory )," she says. "If I'm meeting up with a friend, I bring an extra sheet mask so our trip starts out feeling a bit like a spa day!"

Magnetic hooks

A surprising fact: Cruise ship cabin walls are made of metal, which means you can optimize your storage space by hanging some of your belongings on magnetic wall hooks. The hooks are perfect for holding bulky coats or boots if you're traveling to a colder climate. You can also use them for wet gear on expedition ships and adventure cruises, or for drying out bathing suits after days at the beach or pool. Purchase a set of magnetic hooks for less than $10 on Amazon .

Like hotels, cruise ships can only provide so many hangers. Bring a few extras from home or pick up a pack from your local dollar store. You might also try packable hangers .

Wrinkle release spray

Whether or not you bring a garment bag, a travel-size bottle of wrinkle release spray, such as Downy Wrinkle Releaser spray , is useful to have on board. If you combine a spritz or two with the steam from your shower, you should be able to smooth out some of the wrinkles in your clothing.

Laundry detergent

"If you don't want to pay for laundry service or spend precious time in the self-service laundry room, bring a small bottle of laundry detergent like Woolite to wash key items in the sink: underwear, bras, quick-dry hiking shorts, bathing suits, etc.," recommends Schildhouse. "Every cruise ship shower has a retractable clothesline you can extend to drape the clothes over while they dry. This can also help cut down on the number of items you need to pack."

Over-the-door organizers

Over-the-door organizers with clear or mesh pockets allow you to find your feminine hygiene products, makeup, jewelry and other small items quickly – without having to hunt through multiple drawers or a tight stateroom closet. It's a good idea to purchase a two-pack like this option by Simple Houseware Store (available on Amazon), since you can also use one to store shoes and maximize floor space.

Courtesy of Poo-Pourri

It goes without saying, but to say it anyway: A toilet spray like Poo-Pourri is a must for your cruise packing list. Any smell – pleasant or not – will travel quickly in small staterooms with small bathrooms. Buy a travel-size bottle to keep in your cabin.

Shampoo and conditioner

Cruise experts agree it's best to bring your own shampoo and conditioner in travel-size bottles, as most cruise ships don't provide separate shampoo and conditioner anymore; instead, they offer all-in-one dispensers. Colleen McDaniel, editor-in-chief at Cruise Critic, likes to pack her shampoo and conditioner in the popular Cadence Capsules , noting she also uses them for another essential: sunscreen. "These capsules are easy to fill, never leak and have clear labels, which you can customize," she says.

Wine or Champagne

Most major cruise lines allow each guest to bring one to two bottles of wine or Champagne on board, while some luxury cruise lines allow even more than that. Disney Cruise Line also gives guests the option to bring a six-pack of beer instead of wine or Champagne. Be sure to consult your cruise line's policies when packing for your trip.

If you plan to bring wine or Champagne, you'll likely need a corkscrew . While some cruise lines may prohibit corkscrews, others allow them onboard; check your cruise line's policy before sailing. Bringing wine with a twistable cap may be a good alternative.

Portable humidifier

Cruise ship cabins can feel dry – especially in the colder months. A portable humidifier like the GENIANI Erie (around $25 on Amazon) can provide some relief. At about half a pound, this USB-powered device will fit neatly into your checked bag or carry-on luggage. The travel humidifier features two mist settings and has an automatic shut-off option, plus a night light to help you see around your cabin in the dark.

International travel adapter or converter

You'll likely need a travel adapter, since cruise lines homeported in international locales may have different electrical sockets and voltage strengths than you're used to in the U.S.

McDaniel recommends the OneWorld65 Travel Adapter . "I've used a lot of different travel adapters over the years, but this is my favorite. It charges up to six devices at once, has USB and mini-USB options, and works in over 200 countries," she says. "While many cruise ships have U.S. outlets, most usually also have European outlets. This adapter lets me take advantage of that outlet I'd otherwise ignore." She also notes that while cruise lines are getting better about having more outlets on their ships, it never feels like enough to keep your phone, camera battery, tablet, watch, headphones/earbuds and laptop charged (times two or more if you're traveling with others).

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Sound machine

Cruise experts agree a sound machine can be helpful for blocking out the sound of late-night partiers returning to their staterooms (or your snoring spouse). Schildhouse likes the LectroFan Micro 2 for cruising. "It plays non-looping white noise and doubles as a speaker to play tunes while you get ready for dinner."

Tech organizer

Courtesy of Bagsmart

A tech organizer like the BAGSMART electronics organizer case – available on Amazon for about $20 – can store all your cables, plugs, SD cards and earphones in one zippered, compact bag that will fit easily in your carry-on luggage. Despite its small size, it can also hold bulkier items like a small laptop charging cord.

First-aid kit

A first-aid kit is a good thing to have on hand no matter where you go. You can make your own using supplies you already have at home, or buy a premade first-aid kit on Amazon for about $20. While all cruise ships have medical facilities, it's useful to have these items with you on shore excursions, especially those involving active adventures.

Hand sanitizer

Regularly washing your hands and/or using hand sanitizer is essential to staying healthy while traveling, especially on a cruise ship. Stock up on a few travel-size bottles of hand sanitizer (less than $2 each at Walmart) ahead of your trip. If you're looking for something with less alcohol that's also less drying, check out Babyganics Alcohol-Free Foaming Hand Sanitizer .

If you're a parent, you know that your infant or toddler needs a very specific size – and in some cases brand – of diapers, which may very well be unavailable to you on your cruise ship or in the ports of call. Bring more than enough diapers to play it safe at sea.

Most cruise lines also require that non-toilet-trained infants and toddlers wear swim diapers in the children's water play areas. For the sake of sanitation, kids must be toilet-trained to use the pools on cruise ships.

Many cruisers like to personalize their cabin with stateroom door decor. Not only is it a fun tradition, but decorating the door can make it easier to locate your room, too. You can find lots of fun decor ideas on Pinterest as well as Amazon.

" Duct tape is a life-saver in many situations," says Kosciolek. "I primarily use it to attach my printed luggage tags, but it's also great for mending clothing issues on the fly and fixing broken luggage until you can get it back home."

"As a parent, I like to bring lanyards with sleeves so my kids can wear their keycards and not lose them," says Erica Silverstein, senior cruise editor at The Points Guy. "We hang them on the magnetic hooks I put on the wall, so they don't get lost in the cabin either."

Courtesy of Sea-Bands

If you're prone to (or think you may be prone to) motion sickness on cruise ships, put a pair of Sea-Bands on your cruise packing list. These soft wristbands use acupressure to prevent and minimize nausea and vomiting on board, and they are a reusable, drug-free alternative to traditional anti-nausea medications. You can purchase Sea-Bands on Amazon or at most drugstores.

If you need something a bit stronger than Sea-Bands (or to use in conjunction with them), Dramamine remains a tried-and-true solution for both preventing and treating sea sickness. Choose the Less Drowsy formula to avoid getting sleepy, and consider the chewable tablets (dye-free) if traveling with kids who are prone to queasiness. Many travelers like Bonine as a remedy for sea sickness as well.

Mix-and-match clothing

Pack a variety of mix-and-match items, also known as a capsule wardrobe, for your cruise. To do this, choose a base color – black or navy blue – for your wardrobe. Next, pack plain, neutral-colored items, then add a few patterned items to the mix. Remember to include a variety of styles (T-shirts, long-sleeved shirts, pants, shorts, dresses, rompers and jumpsuits) and also consider reversible clothing and outfits that can easily transition from day to night.

Sports jacket or blazer

Adam Coulter, executive editor of Cruise Critic UK & Australia, recommends packing a sports jacket or blazer. "While cruise lines are getting more casual, what happens if you get that last-minute invite to meet the captain, or there's a meet and mingle where you want to look put together? A jacket will always elevate your elegance (even if you're wearing a T-shirt underneath)," he says. If you're in need of a travel blazer, Bluffworks has some well-rated options; the Gramercy , in particular, gets great reviews.

Themed party attire

Some cruise lines host themed voyages or parties on select nights where passengers can dress up to participate in the fun. You'll want to review your cruise itinerary before you go so you're prepared for the festivities. Bring your buccaneer gear if you're sailing aboard Disney Cruise Line; ships host fun events like Pirate Nights, pirate-themed dinners and a "Pirates in the Caribbean" show. On "The Love Boat"-themed cruises offered by Princess Cruises , pack your platform boots, glittery dresses, bell-bottom pants and halter tops for the line's 1970s-inspired disco party on the deck. No matter the theme, you can't go wrong with a couple of captain hats .

Travel wrap

A travel wrap is a versatile accessory that's useful for any trip – even more so on a cruise ship where it can get chilly when the sea breeze picks up. Available in nearly 10 different colors, J.Crew's Oversized Cashmere Wrap is a timeless staple, albeit a bit of an investment; for something less expensive but well rated, try this off-brand pashmina shawl on Amazon .

Packable jacket

Courtesy of Patagonia

If you're cruising to a cold weather destination such as Alaska, you'll need something heavier than a travel wrap, but not so bulky that it requires additional luggage. Consider a packable jacket that folds easily and compactly; travel experts highly recommend the Patagonia Nano Puff Jacket .

Packable hat

If you're headed to the Caribbean or another warm weather destination, you'll want a beach hat to protect your scalp and face from the sun. This packable straw hat by FURTALK (available on Amazon for about $25) is a stylish women's option that features a broader brim and offers UPF 50 sun protection.

Comfortable walking shoes

Courtesy of Allbirds

Even if you never step foot off the ship, there is still plenty of walking to do between bow and stern. Closed-toe shoes or sandals with straps are safer than flimsy flip-flops when boarding a slippery tender into port (if your ship can't dock directly). Check out our recommendations for the most comfortable walking shoes , which include the popular Allbirds Wool Runners and the ECCO Yucatan Sandals .

Water shoes

Depending on your scheduled shore excursions, you might also need a pair of water shoes. For something that's both functional and fashionable, Crocs' Classic Clogs are a good option. While not totally waterproof, the Native Jefferson is a water-friendly, versatile option.

Versatile heels

"Over the years, I've learned that the key to avoiding overpacking is to bring one neutral pair of low heels that match every single eveningwear outfit I've packed – from flowy pants to dresses," says Schildhouse, who loves her Rockport Tabitha 2-Strap Heeled Sandals . "They have a cushioned footbed and shock-absorbing heel so you can dance the night away in the club, and a 3-inch block heel with traction to keep you steady on your feet even if the ship's rocking a bit."

Reusable water bottle

A reusable water bottle is useful for filling up at water and beverage stations on your cruise ship; it's also a necessity for shore excursions.

Bathing suit

Pack a couple of swimsuits for the pools, hot tubs and any shore excursions.

Swim cover-up

Another must-have for your cruise packing list is a swimsuit cover-up or two. These are great for wearing over your bathing suit during days at sea, as well as on excursions – especially if you're going on a Caribbean cruise . Amazon sells a variety of stylish, affordable cover-ups, and you can never go wrong with a classic white button-down shirt .

Dry bags are useful for shore excursions where you're likely to get wet but don't want the same to be true for your phone, camera and other precious items. "I use the Outdoor Research Unisex Dry Isolation Pack   and have never had so much as a drop of moisture enter it, which is important for me – it keeps my cameras, documents and important items from getting wet," says Saunders, adding that it functions as a great everyday backpack when it's not raining.

If you need more than one dry bag, cruise expert Brittany Chrusciel recommends the Sea to Summit Lightweight Dry Bag Set . "Having these dry bags, in a variety of sizes, means I can bring all my gear along during a Zodiac cruise or snorkeling excursion without having to worry about it getting wet."

Waterproof phone case

A waterproof phone case is also essential, especially if you plan to take photos. The Hiearcool Waterproof Phone Pouches (available in a two-pack) come with a lanyard so you can both protect your phone and wear it around your neck. They are compatible with most smartphones.

"I like to bring collapsible pails, small shovels , inflatable beach toys, a floppy Frisbee or other things to entertain the kids on the beach if we're going to a private island or beach destination," says Silverstein. "If you can inflate your own inner tube, you don't need to rent a floating mat."

Beach towel

"Although cruise lines provide guests with towels to take off the ship on excursions, they are often bulky and sometimes small," explains Chrusciel. "The Surfer Towel folds up to nearly nothing, so it takes up almost no room in your suitcase and is super convenient to pack in a day bag. What's more, its quick-drying technology means that the lightweight fabric won't be soaking wet when you need to pack up for the day and head back to the ship."

Towel clips

"Even though giant plastic towel clips shaped like a flamingo are a bit cringey, they make it easy to find your spot in a sea of sun loungers," says Chrusciel. "They also solve a common cruise problem: keeping your towel securely fixed to your chair while reading or sunbathing."

Reef-safe sunscreen

Courtesy of Badger

When choosing a sunscreen, look for something that's reef-safe; not only are these sunscreens safer for the environment, but they're also better for you . The active ingredients in reef-safe sunscreens, also known as mineral sunscreens, are zinc oxide, titanium dioxide or a combination of both. Top-rated mineral sunscreen brands include Think , Badger and Raw Elements , all of which also sell lip balm with sunscreen (another essential at sea).

After-sun lotion

You'll want an extra dose of moisturizer if you've been basking in the sun. COOLA makes an after-sun body lotion that cools and hydrates the skin with aloe vera, agave and lavender oil. Previous buyers rave about this lotion, noting they appreciate that the scent isn't overpowering.

A good book

Sea days are the perfect time to kick back and relax with a book you've been meaning to read. Find an oceanfront lounge chair in a shaded area on the pool deck, or grab a cup of tea and settle into a quiet nook indoors. There's no need to pack more than one book, however, as many cruise ships have libraries.

What not to pack for a cruise

Power strip.

Many cruise lines do not permit power strips as they present a fire hazard, while others allow them as long as they are non-surge-protected. Instead of a power strip, purchase a portable charger such as this highly rated one by Anker , which can power up multiple devices at once. This can be especially useful for shore excursions. When packing for your cruise, also think about your luggage: If it has an included charging port, you may not even need to purchase an additional charging block.

Weapons and restraints

Firearms, handcuffs and the like are not permitted on cruise ships. This rule also includes toy guns on most cruise lines.

While most major cruise lines allow guests to pack a limited amount of wine or Champagne per person, they do not permit hard liquor. Of course, those of age can purchase cocktails at any of the bars on board.

Household appliances

Irons and steamers are not permitted on cruise ships, which is why the aforementioned garment bags, wrinkle release spray and packing cubes are recommended for keeping clothing tidy and neat. Coffee makers and mug warmers are also prohibited.

While you can technically bring you own, it's not necessary as hairdryers are available in every bathroom on most ships.

CBD and marijuana

CBD that's derived from hemp and contains 0.3% THC or less is legal at a federal level. However, each state interprets and enforces this law differently; for example, many states require a prescription for it. Due to the ambiguity of the laws, most cruise lines continue to ban CBD in any form.

Marijuana remains illegal under U.S. federal law, which means you cannot bring it on a cruise ship – even if you're legally able to purchase it in your home state for recreational or medical use.

Why Trust U.S. News Travel

For the U.S. News Cruise Packing List, travel writers Gwen Pratesi and Amanda Norcross tapped leading industry experts for their cruise essentials. They regularly update this checklist with new and useful items to pack.

You might also be interested in:

• The Best Cruise Lines
• The Best Adults-Only Cruises
• The Best All-Inclusive Cruises

Vacation Ideas for Every Traveler

Tags: Travel , Cruises , Travel Gear

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• # 1 South Island, New Zealand
• # 4 Bora Bora

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