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Travel Insurance For Italy

Compare travel insurance for Italy

published: 06 October 2022
Read time: 10 minutes

Taking a trip to Rome, Milan, Venice, Florence, or Naples? Be sure you’ve got travel insurance for Italy in your bag, so you can relax and enjoy.

Are you planning your next trip to the beautiful Italian peninsula? From glorious beaches and majestic mountains to striking monuments and mouth-watering food, Italy offers something for all tourists. Will you stroll along the colourful canals of Venice? Or will you order an exquisite pizza margherita in one of Naples’ many restaurants?

Taking out travel insurance for Italy will allow you to make the most of your stay, safe in the knowledge you are covered for any unexpected mishaps that may occur. This way, you will have the chance to enjoy Italy’s sun, art, and landscapes without any worries.

Why do I need travel insurance for Italy?

Italy is a dream holiday destination for many. However, your trip could rapidly turn into a nightmare if you go without travel insurance.

If you fell ill, had an accident, had your belongings stolen, or lost your baggage, travel insurance would provide you with financial support while you were far from home.

In addition, travel insurance offers a safety net that will prevent you from ending up out of pocket if you have to cancel or cut short your holiday.

Venice waterway

What should my travel insurance policy for Italy include?

A good travel insurance policy for Italy should include the following:

  • Cover for medical expenses up to a limit of around £5m

  • Cover for bringing you back to the UK (repatriation)

  • Cancellation and curtailment cover, in case something stops you from going on your holiday or you are forced to come home early

  • Cover for missed departures and delays. This is in the event that a situation beyond your control stops you from getting to the airport on time

  • Cover for travel abandonment. This will protect you in the unlikely event that significant problems arise on your journey and you have to abandon it completely

  • Lost and stolen baggage cover

  • Cover for the loss or theft of your passport

  • Cover for personal liability. This is in case something you do causes an injury to a third party, damages something of theirs, or causes the loss of their belongings

Italy travel insurance: exclusions and things to watch out for

Insurance policies of all kinds come with exclusions. However, it’s important to be aware of what your travel insurance policy does not include before jetting off on holiday

Here are some of the exclusions you should expect:

  • Pre-existing medical conditions

    Any illness that was diagnosed or whose symptoms you discussed with your doctor before travelling will not be included. If you are already being treated for diabetes, for example, any illness arising directly from this will not be covered. Unless, of course, you either pay an additional premium or take out a specialist policy

  • Unexpected events

    This includes terrorism, civil unrest, or the effects of certain natural disasters that affect your holiday

  • Alcohol-related accidents, injuries, and illnesses

    If you hurt yourself or someone else after drinking too much while on holiday in Italy, your insurer will not pay out

  • Travel against government advice
    Travel to areas that the Foreign, Commonwealth & Development Office (FCDO) has said should be avoided

  • Adventure or winter sports accidents or injuries

    If you’re planning on taking part in such pursuits, such as skiing, scuba diving, and surfing, while on holiday in Italy, make sure that you have appropriate travel insurance cover in place first

Remember to check the excess on your travel insurance policy too. Though it might seem tempting to opt for a higher excess in exchange for a lower premium, avoid setting it so high that you would find it difficult to pay your portion of the claim.

Finally, start your travel insurance policy from the date you book your holiday and not the date on which you’re due to fly out to Italy. This is to ensure that, if an emergency should arise that prevents you from taking your trip as planned, you don’t lose all the money you have spent on it. 

Will my EHIC/GHIC cover me in Italy?

Even though Britain isn’t part of the European Union, you can still use your European Health Insurance Card (EHIC) in Italy – which is in the EU – until your EHIC expires.

The new Global Health Insurance Card (GHIC), which despite the name is only valid for use in EU countries, replaces the EHIC. It can be used by UK residents when they are on holiday in any EU country for State-provided emergency healthcare.

The GHIC works under exactly the same terms and conditions as the EHIC. The GHIC is free and you can apply for a GHIC through the NHS.

However, this doesn’t mean that all medical treatment received under the EHIC/GHIC scheme would be free in Italy. It is possible that holidaymakers who get medical treatment under the EHIC/GHIC scheme may have to make financial contributions to the cost of their care. The EHIC/GHIC is a useful safety net, but it is not a substitute for high-quality travel insurance.

What are potential travel risks in Italy?

On the whole, Italy is considered a safe place to visit. The likelihood of being the victim of a crime is very low. That said, it is wise to be careful as you always should be when you travel anywhere new.

For instance, in large cities such as Rome, Naples, and Milan there may be pickpockets around. If you are in a crowded or touristy area, make sure to keep hold of your belongings and to have your wallet in your front pocket. Also, when sitting down in the outside area of a café, don’t leave your possessions in full view on the table.

With a bit of care you are very likely to be and feel safe at all times.

Top travel tips for Italy

Don’t expect to sip a cappuccino at lunch or dinner

If you’re a big cappuccino fan and are happy for it to accompany your meals, you may be disappointed. Cappuccinos are not typically served as a beverage with your lunch or dinner.

Instead, Italians tend to order a cappuccino as part of their breakfast. Buy a chocolate- or pistachio-filled cornetto and dip it into your cup of cappuccino. You will start your day as a true Italian!

Keep an eye on il coperto

Il coperto is the cover or service charge a restaurant may levy for seating you. Usually, it is printed on the menu.

It shouldn’t be more than a few euros per person and can be regarded as an alternative to a tip. Unless, of course, you have had exceptional service during your meal.

You may have to pay a tourist tax

Some Italian cities now levy a small tax on tourists. This is likely to be charged by your hotel and is unlikely to have been included in any package deal or pre-paid arrangements you made when organising your holiday.

You may be asked to pay your tax in cash. However you pay, though, you should always get a receipt.

The rate of city tax varies from city to city, as well as from hotel to hotel. For more information on what you might have to pay, check local tourist information.

Mind your manners

Dropping litter in Italy is severely frowned upon. In some cities, you may face a fine if you are caught doing so.

Likewise, in some areas, it is an offence to sit on certain monuments. Did you know that you can receive a hefty fine if you sit on the famous steps in Piazza di Spagna(Rome)? What’s more, you are often not allowed to eat and drink in the vicinity of churches and other public buildings. 

Carry some cash

Many shops, restaurants, and attractions in big cities will gladly accept card payments. However, be aware that smaller establishments, especially in more rural parts of Italy, may require payment in cash.

Payment of small amounts (e.g., a few euros for a couple of espressos) may also be expected to be made in cash wherever you are. 

Think about transport

One of the best ways to get around and explore the country is to hire a car. However, make sure you have a valid UK driving licence, vehicle documents, and appropriate insurance.

Driving in Italy is relatively safe, but take extra care on winding mountain streets and hitting busy city roads. Bear in mind that certain places will not allow cars into the city centre. Milan, instead, has a congestion charge in place that you should be aware of.

Trains are also an option for travellers. Fares tend to be affordable and it’s the best way to admire beautiful sceneries. However, failure to have tickets stamped or ‘endorsed’ by machines at the station may result in a fine.

Arranging your next holiday in Rome, Venice, or Milan?

If you’re searching for travel insurance for your next trip to Italy, MoneySuperMarket is happy to help you find the right deal for your needs. Having travel insurance for Italy will allow you to explore and enjoy the country’s many surprises with peace of mind.

Just provide us with a few details about you and your plans, and we’ll scour our market to find an array of affordable deals for you to choose from.

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