Compare travel insurance - Italy

Whether you’re planning a city break in Florence or Rome, a spell in the Tuscan countryside or a sunshine holiday on the Amalfi Coast, it’s important to get the right travel insurance for your trip.

Whether you’re planning a city break in Florence or Rome, a spell in the Tuscan countryside or a sunshine holiday on the Amalfi Coast, it’s important to get the right travel insurance for your trip.

Josh Daniels
Travel Insurance expert
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Last Updated 9 FEBRUARY 2022

Do I need travel insurance for Italy?

Italy is one of the most popular tourist destinations in Europe, welcoming around four million British visitors every year. Italy travel insurance can protect you from theft, medical emergencies, cancellations and delays – it can also cover against possible health risks.

Customers with pre-existing medical conditions

If you have a serious health condition, your travel insurance is likely to be more expensive. Whatever happens, don’t lie to an insurance provider, because this could mean any claim you make is rejected. When you declare any medical conditions on our website, we’ll only show you quotes from insurance providers who will cover them, with no exclusions.

If your condition is more serious, MoneyHelper has a directory of insurance providers who may be able to provide quotes over the phone. You can call them on 0800 138 7777.

How much is travel insurance for Italy? 

If you’re travelling to Italy, you’ll need to take out travel insurance for Europe. You can currently find a policy for as little as £6 for a week’s stay**. 

But the amount you’ll pay for your policy depends on: 

Costs and levels of cover can vary between providers – that’s why it’s a good idea to shop around and compare a few.

**Based on Compare the Market data for a single trip travel policy for a 20-year-old with no pre-existing medical conditions travelling in Europe for 1 week. Prices correct as of January 2022.

What will Italy travel insurance cover? 

Policies can vary between providers, so always check the terms and conditions before committing to one. Italy travel insurance should include: 

  • Medical care – Italy’s not far away, but without insurance private treatment would be expensive if you were to fall ill or have an accident. And medical escorted repatriation back to the UK could cost you thousands of pounds. 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 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 limit – the maximum your insurance provider will pay out for one item
  • Holiday cancellation cover – different insurance providers will cover varying reasons for cancellation, so pay particular attention to these.
  • Covid-19 cover  - you might also want to consider a policy that includes cover for disruption related to Covid-19. When you get a travel insurance quote with us, it’s easy to compare levels of Covid-19 cover. Just use the ‘more details’ option on the quote results page.

What won’t Italy travel insurance cover? 

Most standard policies for Italy will typically exclude: 

  • Any injuries or accidents that happened while you were under the influence of drugs or alcohol
  • Extreme sports or activities that aren’t covered in your policy – you’ll typically have to pay extra to cover skiing, water sports or rock climbing
  • Pre-existing medical conditions – conditions your insurance provider won’t cover will be listed in the policy details
  • Natural disasters – you may have some cover if a natural disaster impacts your trip, but check your policy carefully to be sure. Italy has its fair share of seismic activity – usually mild tremors – but the earthquake risk in some regions can be medium to high
  • Terrorism – again, you may have some cover, but check your policy carefully

Always check the policy details before you buy, so you know exactly what’s covered and what’s not.

What else should I consider when I choose my travel insurance? 

Think about what you’re planning to do in Italy, as you might need to pay for additional or specialist cover for certain activities. For example: 

  • Winter sports cover – if you’re planning a family ski holiday in the Dolomites or Alps, this cover offers protection both on and off the slopes.
  • Extreme sports cover – from hiking in the Aosta Valley to horseback riding in Chianti, this cover will give you the extra protection you need.
  • Water sports insurance  – if you fancy, for example, a scuba diving or kayaking adventure in the crystalline waters off the Sardinian coast, a standard policy might not be enough to cover you.
  • Cruise cover - if you’re booking a cruise around the Italian coastline, you’ll need to take out dedicated insurance that offers cover for missed port stops and being confined to your cabin if you fall ill. 
Did you know?
Italy boasts the largest number of UNESCO World Heritage Sites in the world – 58, including the magnificent Colosseum in Rome, the city of Pompeii and the breathtaking Amalfi Coast.

Does the EHIC card still cover travel to Italy? 

Since the UK officially left the EU, things have changed. You won’t be able to apply for an EHIC anymore, but if you have one already and it was issued before the end of 2020, it’ll still be valid until the expiry date. 

The EHIC has been replaced by the Global Health Insurance Card (GHIC). If you don’t have an EHIC, or once yours expires, you can apply for a GHIC on the NHS website and it should arrive within 10 days. The GHIC offers the same cover as the EHIC did in EU countries. 

While the GHIC gives you the right to state medical treatment on the same terms as Italian nationals, it’s not a substitute for travel insurance. It won’t cover baggage loss or flight issues. And it won’t cover the costs of private medical care or repatriation back to the UK.

Do I need a visa to visit Italy? 

You can visit Italy and other countries in the Schengen area for up to 90 days in any 180-day period without a visa. You’ll also need to make sure your passport is less than 10 years old and has at least three months left on it before you leave Italy to return to the UK. 

Details on Covid-19 vaccination and testing requirements for Italy can be found on the GOV.UK website.

Any other tips for trips 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 pickpockets can be a problem in crowded, tourist hotspots, especially in larger cities like Rome and Naples.  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 up to €200 for travelling without a ticket on the train. Don't board a train without a ticket and ensure it gets validated.

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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