From quaint and picturesque towns and numerous scenic attractions to a renowned and vibrant Western culture, Italy remains the top European destination for travellers from all over the world.
If you are ready to live your Italian dream by planning a memorable trip to Italy, begin by understanding the mandatory requirements, such as travel insurance.
This guide will discuss everything you need to know about travel insurance for Italy, from its importance and features to how to buy one.
Italy Visa Mandate: Is Travel Insurance Necessary for Italy?
Yes. Travel insurance is mandatory for visiting Italy from India. Since Italy is located within the Schengen Area, Schengen Travel Insurance is compulsory for obtaining a visa.
As per the regulations laid by the Schengen Immigration authorities, every non-European visiting Italy or any other Schengen country must have travel health insurance with a minimum coverage of €30,000.
Note that it is a mandatory requirement, without which your visa will not be approved.
Our Schengen Travel Insurance is among the most popular international travel insurance plans for Italy. It will keep you safe and financially secure during your stay in the entire Schengen Area, in addition to providing you with the necessary financial security in Italy.
You can enjoy the following benefits with our travel insurance for Italy:
Cashless Hospitalisation
Personal Accidents
Loss of Baggage
Trip Cancellations
Flight Delays
Theft
Loss of Passport
Personal Liabilities
Financial Emergency Assistance
Hijack Distress Allowance
Compassionate Visit
and More …!
How to Choose the Best Travel Health Insurance for Italy?
Having a travel insurance plan is helpful, but investing in the best travel health insurance plan will ensure that you don't have to struggle financially because of unforeseen emergencies in a foreign land. With this in mind, here are some useful tips for choosing the best travel insurance for your Italy trip.
Determine Coverage Requirements
The first step in choosing the best travel health insurance for Italy is to identify your coverage requirements based on your risk exposure, travel itinerary and other such aspects. This will allow you to search for a plan that keeps you financially secure during your foreign journey.
The most effective way to choose the best travel health insurance for Italy is to compare different types of insurance plans against a set of useful parameters. These include policy inclusions, cost, claims settlement process and ratio, emergency assistance abroad, and so on.
Check Claims Settlement Process
The best travel insurance for Italy is the one that offers a simplified and quick claims settlement process. If a plan's claims process is very complicated and has a longer turnaround time, there is no point in purchasing it.
Assess Reviews and Ratings
Customer reviews are a clear indication of the reliability of the insurance provider and the efficiency of the insurance plan. So, make sure to choose a policy/insurance provider with good ratings and testimonials.
Understand Policy Terms and Conditions
Every travel insurance plan has certain terms and conditions when it comes to availing the benefits and coverage.
Understanding these wordings is critical to ensure that your potential financial risks are covered and you get all the benefits you are entitled to.
So, before finalising the best travel health insurance for Italy, take enough time to read your policy wording.
Reliance Schengen Travel Insurance Italy
Reliance General Insurance offers tailored Schengen Travel Insurance plans designed to cater to the specific needs of travellers visiting Italy, a member of the Schengen zone.
These plans provide extensive coverage benefits, including protection against medical emergencies, baggage loss, and personal liabilities. With these plans, you can travel confidently, knowing you’re covered for unexpected incidents during your trip to Italy.
Reliance General Insurance offers two distinct plan options under the Schengen Travel Insurance policy: the Basic Plan and the Standard Plan. Let’s delve into how these plans differ based on their coverage features.
Reliance Schengen Travel Insurance - Basic Plan
Purpose: Offers the mandatory minimum medical coverage of €30,000
Coverage for Medical Expenses: Medical expenses, including transportation and evacuation, up to €30,000
Dental Treatment: Up to €500
Accident-related Expenses: Personal accident coverage up to €10,000
Accidental Death - Common Carrier: Not applicable
Loss and Delay of Checked-in Baggage and Loss of Passport:
Loss of passport: Not applicable
Total loss of checked-in baggage: Not applicable
Delay of checked-in baggage: Not applicable
Others:
Reliance General Insurance Schengen Travel Insurance - Standard Plan
Purpose: Provides comprehensive protection against a wide range of risks
Coverage for Medical Expenses: Medical expenses, including transportation and evacuation, up to €50,000
Dental Treatment: Up to €500
Accident-related Expenses: Personal accident coverage up to €15,000
Accidental Death - Common Carrier: €2,500
Loss and Delay of Checked-in Baggage and Loss of Passport:
Others:
Personal liability: €50,000
Compassionate visit: Cost of return for any one companion, spouse, child, or family doctor
How to Choose Between the Basic Plan and Standard Plan for Travel Insurance for Italy
When selecting between the Basic and Standard Plans for travel insurance to Italy, consider your specific travel needs and circumstances. Factors such as the likelihood of needing medical care and the value of your belongings can help guide your decision.
For a short, low-risk trip, the Basic Plan provides essential and mandatory coverage at a lower cost.
Conversely, for a longer vacation exploring various locations that might lead to extended stays or increased potential risks, the Standard Plan offers comprehensive coverage, ensuring greater peace of mind.
How to Buy Reliance Italy Travel Insurance?
Step 1: Visit our
Schengen Travel Insurance page.
Step 2: On the top-right side of your screen, fill in the requested details such as type of travel insurance plan, region, number of days, mobile number, etc.
Step 3: Choose the most suitable plan from the given options and proceed with "Buy Now".
Step 4: Confirm the premium details and enter a few other details, such as your passport number and details of your nominee.
Step 5: Complete the payment online using any preferred method.
That's how simple it is to purchase holiday insurance for Italy. Once your payment is successful, a confirmation text will be sent to your contact details.
How to Claim Travel Insurance for Italy?
Understanding the claims settlement process of travel insurance is critical to ensure a timely settlement of your claims. With our Schengen travel insurance for Italy, you can settle your claim as follows:
Notify the Insurance Provider
Inform Reliance General Insurance about the incident and your claim within 24 hours of its occurrence. For international travel insurance, you can contact the
Claims Helpline or Europ Assistance to report your claim and receive guidance on the necessary procedures.
Toll-free Number for Italy: 00+800-99441111 |
Europ Assistance India Pvt Ltd.
7th Floor, Star Hub, Bldg No. 2,
Near ITC Maratha Hotel,
Sahar, Andheri East,
Mumbai – 400 059, India |
Collect the Necessary Documents
The documents required for an Italy travel insurance claim vary depending on the nature of the claim, such as lost baggage, accidental death, permanent disability or medical emergencies.
Below are some commonly needed documents, along with specific ones based on the type of claim:
Common Documents
Completed and signed claim form
Copy of boarding pass and ticket
Proof of identity and address (Passport, ID card, Driver’s License)
A confirmation letter from the airline detailing the incident
Original cancelled cheque compliant with CTS 2010 standards
Documents for Lost Checked-In Baggage
Documents for Accidental Death or Permanent Disability
Documents for Medical Emergencies
File Your Claim
Submit your completed claim form along with the required documents. Be prepared to provide any additional clarifications if needed.
Claim Processing
Once your claim form and supporting documents are reviewed, we will inform you about the approval status or any further requirements. If approved, the applicable benefits will be disbursed accordingly.
Conclusion
Named among the best
places to visit in Europe, Italy is an appealing travel destination abroad. If you are all set to embark on this beautiful journey to Italy, start by getting suitable international travel insurance.
Our Schengen Travel Insurance is ideal for visiting Italy as it is widely accepted across the Schengen Area and offers extensive financial coverage in the event of emergencies.
Purchase your travel insurance for a trip to Italy and enjoy benefits like 100% claims settlement, quick coverage, no medical screening, customisable plans and pocket-friendly prices.
For more information about our travel insurance plans, contact us!
Frequently Asked Questions
Is travel insurance mandatory for Rome?
Yes. Since Rome is the capital of Italy, a Schengen nation, having a travel insurance plan is mandatory for visiting here.
What type of travel insurance do I need for Italy?
You need travel health insurance with a minimum coverage of €30,000 to obtain a visa for Italy. Please note that your insurance plan is recognised and approved in the Schengen Area.
Can I make an Italy travel insurance claim after returning to India?
Yes. You can make a travel insurance claim 30 days before your policy expiry or after returning to India, whichever is earlier.
How can I claim cashless hospitalisation in Italy?
We have third-party administrators (TPAs) at various hospitals abroad who, upon approval of your claim, provide you with cashless hospitalisation. You can call our emergency assistance provider to claim the hospitalisation benefit. They will guide you through the entire process.
Can I purchase travel insurance for an Italy trip after getting a visa?
No. Your Italy visa application will not be processed until you submit a copy of a well-recognised travel insurance certificate. This means you must obtain travel insurance for Italy before applying for a suitable visa.
What is the maximum coverage I can get with Reliance travel insurance for Italy?
With our Schengen travel insurance plans, you can enjoy a maximum coverage of up to €50,000. Note that the required coverage for a visa to Italy is only €30,000. We offer coverage beyond the requirements to provide you with enhanced financial protection.
How much time does it take to purchase travel insurance for Italy?
The time required to purchase a travel insurance plan varies depending on the insurance provider.
In the case of RGI, you can purchase our international travel insurance plans instantly in a few minutes.
You can visit the website and purchase a suitable plan online in a secure and convenient manner.
Which Schengen countries can I visit with travel insurance for Italy?
All the nations within the Schengen Area, including Italy, require a common visa and travel insurance. Thus, you can visit the entire Schengen Area with a Schengen Travel Insurance plan.
What is the cost of travel insurance for Italy?
Multiple parameters are taken into account when calculating the cost of travel insurance for Italy. These include stay duration, type of plan, claim limit, and so on. If you are looking for efficient coverage at cost-effective prices, you can check our International Travel Insurance starting as low as ₹306 per day.
