Travel insurance for Italy

Live La Dolce Vita without worry

There’s something magical about Italy. Whether it’s the juxtaposition of centuries-old relics and modern-day cities or just the allure of endless pasta and wine, Italy has long been a treasured vacation destination for American travelers.

Traveling to Italy

This boot-shaped country, surrounded by the Mediterranean coastline, is a dream destination for many. US citizens can stay in Italy for up to 90 days without a visa, but travel insurance is always recommended.

Traveling to Italy in the summer? Consider a few important pros and cons. While the weather can be ideal, you may find that in off-the-beaten-path locations, shops and restaurants are closed for the month of August.

Did you know that Italy ranks third in the world for international visitors each year? It’s an incredible statistic and one that has both good and not-so-good implications.

First, it means that Italy is well-equipped for visitors and a generally safe place to explore. The downside is that, especially in popular tourist destinations, tourist-targeted crime can be prevalent. Always be vigilant and keep an eye on your wallet, euros, and passport.

Good to know

Is travel insurance required for a trip to Italy?

Travel insurance isn’t required for Americans visiting Italy. However, prudent, experienced travelers always purchase travel insurance, especially when traveling internationally. Information on insurance requirements can change quickly, so we suggest you check the US State Department website for the most up-to-date information.

What type of travel insurance is best for Italy?

Look for a policy that covers you when the unexpected happens. For example, your US health insurance policy probably won’t cover you when you’re out of the country, so you may want to consider travel medical expense coverage.

Does my personal health insurance cover me when I’m in Italy?

The short answer is “it depends.” You should check with your health insurer before you depart, as some may cover international travel, but many do not. Even if you are covered, be aware that you generally need to pay out of pocket and then seek reimbursement when you return home. Other considerations include:

  1. An emergency medical evacuation can easily cost $100,000 or more. Travel insurance generally pays this cost up front, and can protect you against a huge bill later.
  2. For those on US Medicare, be aware that Medicare does not cover you outside the US.
  3. Don’t expect the State Department to come to your rescue — from their website: “We do not pay medical bills. Payment of hospital and other expenses is the patient’s responsibility.”

How much does travel insurance for Italy cost?

Based on factors such as your age, trip cost and trip length, the cost can range from 4-8% of your total trip cost, or more if you select options such as Cancel For Any Reason coverage.

Is Italy safe for travelers?

Italy is widely considered to be a safe country to visit, and millions of travelers from all over the world call upon the country each year. However, like any place you visit, it’s important to exercise caution and be prepared for the unexpected. Petty crime like pickpocketing is common in large cities, especially in areas frequented by tourists, so keep a close eye on your passport.

Do I need separate car insurance if I rent a car in Italy?

Your US auto insurance policy likely does not cover you for rentals outside the US, but you should check with your insurance company before departing. Note that the damage waiver offered by the rental company can be very expensive. Some travel insurance plans offer rental vehicle damage coverage that can be less expensive than what is offered by the rental agency. Note that driving in some Italian cities, such as Rome, is not for the faint of heart.

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