Travel insurance for Italy from £3.68^

Key takeaways

• The average cost of travel insurance for Italy is £13.68 ^{^}

• It can protect you if you have medical emergencies, trip cancellations, lost luggage, and more

• You usually need to take out extra cover if you're going skiing or hiking

Do I need travel insurance for Italy?

Holiday insurance is not a legal requirement. But without it you will be personally responsible for paying all the costs if something goes wrong with your trip.

According to 2025 data from the Association of British Insurers:

• British residents had to make 500,000+ ^{^} claims on their travel insurance in 2025

• The most common reason for claiming was to cover unexpected medical expenses, with an average insurance payout of £1,528 ^{^}

• In contrast, you can find travel insurance to Italy from just £3.68 ^{^} a day

Travel insurance can financially protect you if your holiday to Italy is unexpectedly cancelled, you need medical treatment while travelling, or your valuables are lost or stolen.

If you're planning a trip to Italy, it's important to mark major events such as:

• The 2026 Winter Olympics in Milan and Cortina d’Ampezzo (February)

• The Giro d’Italia cycling race across multiple regions nationwide (May)

• Palio di Siena in Siena (July and August)

• Football matches held in major cities including Rome, Milan, Naples, and Turin (August to May)

Around these periods, travel disruptions, healthcare, and tourism costs, such as hotels and dining out may be affected, making travel insurance even more essential.

Italy also has ongoing volcanic risks, particularly around Mount Etna in Sicily and Stromboli in the Aeolian Islands, where periodic eruptions can cause flight disruption, restricted access, and local evacuations, which may affect travel plans and travel insurance if warnings are in place at the time of travel.

What type of travel insurance do I need for Italy?

Italy is typically covered under European travel insurance policies.

The specific type of policy you need depends on your travel plans:

How much is travel insurance for Italy?

The average cost of travel insurance for a single trip to Italy is £8.70 ^{^} . However, the price you pay will vary depending on factors like your party size and how long you are visiting for.

^{The figures in this table are the averages of the costs paid by MoneySuperMarket customers over the last three months.}

Can I get last minute travel insurance for Italy?

Yes, it is possible to get last-minute travel insurance up to the day of your departure, although not all insurance providers will offer this.

You can buy last minute travel insurance through MoneySuperMarket.

Is it cheaper to buy travel insurance closer to my departure date?

No, it is usually more expensive to buy travel insurance last-minute.

If possible you should buy your holiday insurance as soon as you book your trip. That way you'll be covered if you have to cancel your Italian holiday.

What should my travel insurance policy for Italy include?

Standard travel insurance will usually cover:

• Illness and accidents

• Trip and activity cancellations

• Lost luggage (including your passport)

• Theft including pickpocketing

• Repatriation (bringing you home if you are seriously injured, ill or dead)

• Personal liability (you are responsible for accidentally harming someone or their property)

🚩Different travel insurance policies have different inclusions and exclusions. You should always read your documents and check what you're covered for.

What isn't covered by travel insurance to Italy?

Typical exclusions include:

• Undeclared pre-existing medical conditions

• 'Unforeseeable' disasters including terrorism, war, strikes and natural disasters

• Alcohol and drug-related incidents

• Travel to areas advised against by the government (found on the FCDO website)

• Adventure or winter sports

💡Top tip: You can upgrade your insurance to include add-ons like winter sports , gadget cover and travel disruption cover .

Medical care in Italy

British citizens can get some necessary state healthcare in Italy for free with a Global Health Insurance Card (GHIC) .

However, the UK government and the NHS advise that Britons with GHICs still take out comprehensive travel insurance when they visit Italy, as the health insurance cards do not cover all medical situations and costs.

Will my EHIC/GHIC cover me in Italy?

Yes, you can still use Global Health Insurance Cards (GHIC) or unexpired European Health Insurance Cards (EHIC) to get some free healthcare in Italy.

GHICs are replacing EHICs, which will be phased out as they expire. UK residents can get a GHIC for free from the NHS website. The cards are valid for up to 5 years.

Did you know? Your excess is the amount of money you must pay towards any insurance claim you make. It is a fixed amount regardless of the claim size and it is set in advance when you take out your policy.

Increasing your excess can lower the cost of your policy, but make any claims less affordable.

Can I get travel insurance for Italy if I have a pre-existing medical condition?

Yes, you can get travel insurance cover with a pre-existing medical condition, but it may be more expensive than a standard policy.

A pre-existing condition is any medical issue for which you had symptoms, medication, medical advice, treatment, or tests before you took out your insurance policy. It includes mental health conditions and disabilities .

You must disclose all pre-existing medical conditions. If you don't, your insurer can refuse to pay out for a claim.

You can buy medical travel insurance through MoneySuperMarket.

Do I need a visa to visit Italy?

No, if you are a UK passport holder you do not need a visa to enter Italy as long as:

• Your visit will not mean you have spent more than 90 days in the Schengen area within a 180-day period

• the purpose of your visit is a holiday or to visit friends and family

• the purpose of your visit is for certain types of work or study purposes, such as to attend a business meeting

Rules for visiting Europe have changed post-Brexit. If you overstay your 90-day visa-free limit you can be banned from entering any Schengen country for three years.

🚩 Visa requirements for a country can change. For the most up-to-date information, check the UK government’s foreign travel advice website.

Do I need vaccinations to visit Italy?

The NHS Fit for Travel website recommends that your regular vaccinations are up to date before you travel to Italy, including your flu and Covid-19 vaccines if you are eligible for these.

Tetanus and Tick-borne Encephalitis are additional vaccines that some visitors to Italy may wish to have.

🚩 Vaccination recommendations may be different for individuals with specific health conditions. We recommend speaking to your doctor before travelling.

What travel insurance do I need for skiing in Italy?

You need to have winter sports cover . Skiing and snowboarding are not usually covered under standard travel insurance policies.

The average price our customers currently pay for insurance with winter cover is £39.40 ^{^} .

You may be able to add winter sports cover to your existing travel insurance for a fee. Travel insurers will also often bundle together winter sports cover and adventure sports cover.

What travel insurance do I need for hiking in Italy?

You may need to have adventure sports cover. Standard travel insurance policies often will not cover hiking above a certain height or in riskier locations. If your hiking trip involves mountaineering, using climbing equipment or going on via ferratas you'll almost certainty need extra cover.

You may be able to add adventure sports cover to your existing travel insurance for a fee. Travel insurers will also often bundle together adventure sports cover and winter sports cover.

How do I claim on my travel insurance?

• Report the incident you want to claim for to your insurer as soon as possible

• If something is stolen, report it to the local police within 24 hours and get a report

• Keep records of what has happened, including photos or videos and the contact details of anyone involved

➡️ Learn more: How to make a claim on your travel insurance.

Where can I get cheap travel insurance for Italy?

With MoneySuperMarket you can compare quotes from up to 42 different travel insurers, helping you find the best price for the level of cover you want.

Plus, we offer our travel insurance customers rewards! Get a voucher worth up to £5 ^{^} , a Free Days Out pass worth £180, and much more.

Just sign up to our free SuperSaveClub ^{^} before you buy your travel policy.

💡 Top tip: Looking for travel insurance for another destination? Check out our travel insurance destination guide hub .