Compare travel insurance - Italy

Exploring Italy is great fun, and even better if you have the peace of mind that comes with having good travel insurance in place.

Exploring Italy is great fun, and even better if you have the peace of mind that comes with having good travel insurance in place.

Josh Daniels
From the Travel team
2
minute read
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Posted 18 JANUARY 2021

Do I need travel insurance for Italy?

Although Italy is considered to have good healthcare, as with any trip, it’s a good idea to get the right level of travel insurance protection in place when you book your trip.

CORONAVIRUS UPDATE 

The travel traffic light system currently states that trips to green and amber listed countries are legally permitted if you live in England and Scotland. If you live in Wales and Northern Ireland, you still need to follow the rules for your relevant government.

Please note: from 4am on 4 October 2021, the current traffic light system will be replaced by a single red list of countries.

Currently, if your destination of choice is on the green or amber list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you are aware of any specific requirements relating to entry and ensure travellers from the UK are permitted. Countries can have their traffic light status changed with short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

The FCDO currently advises against all but essential travel to red list countries. Most insurance policies purchased to cover a trip to a destination where the FCDO has instructed citizens not to travel to won’t be valid, however, some insurance providers may offer reduced cover if you’re travelling for essential purposes. Should you have any queries, please check the policy wording, or contact your chosen provider before purchasing, to ensure the cover meets your needs.

Travel within England, Scotland and Wales is permitted under the current guidelines. However, public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. Check the latest guidance from the official tourism boards for England, Scotland, Wales and Northern Ireland respectively.

Find out more here

Customers with more serious pre-existing medical conditions

When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions. 

MoneyHelper has launched a directory of insurance providers who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at MoneyHelper or by calling them on 0800 138 7777.

What is a good travel insurance policy for Italy?

A good travel insurance policy for Italy should include cover for medical expenses, of up to a limit of around £5 million and flight cancellations. You will also need to ensure you are covered if you lose your luggage or passport, or they’re damaged or stolen. If you’re going skiing, you’ll need to ensure you get additional winter sports cover.

How does the EHIC card affect travel insurance?

Italy is in the EU so it’s a good idea to take a European Health Insurance Card (EHIC)** with you. This isn’t a substitute for travel insurance, but it gives you the right to state medical treatment on the same terms as Italian nationals.

One of the advantages of carrying and using an EHIC is that some insurance providers may waive your excess in the event of a medical claim. The cards are free. Simply apply for one from the NHS website – just don’t get caught out by websites that charge you.

**After Brexit, and the UK officially left the EU with a deal in place, things have changed. You won’t be able to apply for an EHIC anymore, but, if you have one already, issued before the end of 2020, then it’ll still be valid until the expiry date.

However, the UK government has introduced a replacement called the Global Health Insurance Card (GHIC). If you don’t have an EHIC, or once yours expires, you can apply for a GHIC here, and it should arrive within 10 days. The GHIC will offer the same cover as the EHIC did in EU countries.

What can travel insurance cover?

Check whether your travel insurance covers:

  • Medical care – the right policy will offer you protection if you were to fall ill or have an accident.
  • Flight cancellations and missed connections – your travel insurance could protect you against the extra costs that these events incur. Cover for things like a missed connection isn’t included in all policies, so if you want to be covered for this, make sure you check the policy T&Cs.
  • Damage, loss or theft of your luggage – your travel insurance should cover you for replacing clothes, medicine and toiletries if your luggage is damaged, lost or stolen.  Remember to take note of any excesses that apply on your policy, as well as the overall possessions and single-item limits.
  • Holiday cancellation cover – different insurance providers will cover different reasons for cancellation, so pay particular attention to these. 

Any other tips for a trip to Italy?

Here are a few more travel facts about Italy to help you enjoy your trip.

  • Tipping: this isn’t usually expected in restaurants, but a 10-15% service charge may be added to your bill. Italians rarely tip taxi drivers, but a little on top is always appreciated.
  • Siestas: Some shops will close for a couple of hours during the day while most restaurants and bars will stay open.
  • Pickpockets: Italy is usually a safe and secure country to stay and travel in, but as with anywhere in the world, common sense should be used. Be careful in public places and don’t leave your valuables on display.
  • Visiting churches: Make sure you dress modestly. Avoid shorts and vests, so as not to cause offence.
  • Road safety: Italians like to drive fast. If you’re hiring a car or walking around take extra care on roads.
  • Train travel: You can be fined €20 for travelling without a ticket on the train. Don't board a train without a ticket and ensure it gets validated. To help ensure this doesn’t happen, find out more about taking the train in Italy with the practical guide from Trainline.

Where can I compare travel insurance quotes?

Travel insurance is a very competitive market, so it’s always worth shopping around.  

Whether you want a single trip to Italy covered or are buying travel insurance to cover you and your family for a year, we can help keep things simple.

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