Italy Travel Insurance

Travel Insurance for Italy

Italy's flair for arts, gastronomy, and architecture has long enchanted travelers from around the world. Whether you're here to gawk over the grand Florence Cathedral, watch an opera, or try the world's best pasta, Italy promises an adventure at every turn.
But before you dive headfirst into this cultural kaleidoscope, let's discuss a crucial aspect of your Italian escapade: travel insurance. After all, in the grand opera of travel, a good insurance policy is your area of assurance, so you can focus on your Italian adventure without worrying about the unexpected bumps along the way.

What should your travel insurance cover for a trip to Italy?

At a minimum, your travel insurance to Italy should cover trip cancellation, trip interruption, and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage. 
AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

• Medical Coverage – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.  
   
• Trip Cancellation & Interruptions – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events. 
   
• Emergency Evacuations and Repatriation – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation. 
   
• Coverage for Personal Belongings – AXA offers coverage for your belongings with assistance against lost or delayed baggage. 
   
• Optional Cancel for Any Reason – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Italy.

How does Travel Insurance for Italy work?

Imagine this: You just arrived in Italy, and are excited about the art-filled days that await. However, as you arrive at your hotel, there's an unexpected hiccup – your checked baggage has been delayed by the airline.

Here's where the "Luggage Delay" benefit of your AXA Protection Plan comes in. Instead of letting the delay ruin your Italian escapade, your policy steps in to ease the inconvenience. The coverage can offer reimbursement for essential items like clothing and toiletries, allowing you to freshen up and start exploring the city without missing a beat. With AXA Travel Protection, your Italian escapade stays as smooth as a scoop of gelato on a sunny day.

Here's are how travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits:

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation: In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Additional Optional Travel Benefits:

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I need Travel Insurance for Italy?

While you don't have to get travel insurance for your trip to Italy, it's a good idea to consider medical coverage.
Why? There are several reasons:

• Emergency Medical Expenses: Italy has a robust healthcare system, but unexpected illnesses or accidents can happen. This benefit ensures coverage for medical expenses, including hospital stays and doctor's fees.

• Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

• Luggage Delay: Italy is known for its fashion and unique shopping experiences. If your checked baggage gets delayed, the "Luggage Delay" benefit becomes relevant by offering reimbursement for essential items like clothing and toiletries, ensuring you can still enjoy your time in Italy without the hassle of waiting for your belongings.

How much does Travel Insurance cost for Italy?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

• Total Trip cost: The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age: Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Argentina will be offered three tiers of insurance: Silver, Gold and Platinum. Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

Our Suggested AXA Travel Protection Plan 

AXA presents travelers with three travel plans – the Silver Plan, Gold Plan, and Platinum Plan, each offering different levels of coverage to suit individual needs. Given that Italy hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.


The Platinum Plan is your go-to choice if you're looking for extra coverage for Italy’s experience. "Cancel for Any Reason" offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring Italy's stunning landscapes in a rental car.


Travelers to Italy, particularly those with the AXA Platinum plan, can find unique value in the Loss Skier Days and Loss Golf Days benefits. Imagine planning a winter getaway in the Italian Alps or a golfing retreat in Tuscany. If unexpected slope or golf course closures disrupt your prepaid arrangements, these exclusive benefits may offer reimbursement, mitigating the costs associated with unused ski tickets or golf days,

What types of Medical Coverage do AXA Travel Protection Plans Offer?

AXA covers three types of medical expenses:

• Emergency Medical
• Emergency evacuation repatriation
• Non-medical emergency evacuation repatriation

Emergency Medical: Can cover medical expenses, hospital stays, and even emergency evacuations, covering the expenses of hefty bills and ensuring access to quality healthcare while away from home.

Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. 

Non-Medical Emergency Evacuation and Repatriation: Offers assistance in unexpected situations such as political unrest or natural disasters, ensuring safe and timely relocation to a secure location or repatriation back home. 

Are there any COVID-19 Restrictions for Travelers to Italy?

No. Italy has dropped all COVID-19 restrictions for travelers from the United States.

Traveling with pre-existing Medical Conditions to Italy? 

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.  

Our Gold and Platinum plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, 
 

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition, so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation. 

FAQ

1. Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2. When should I buy Travel Insurance for Italy?

Purchasing travel insurance for your trip is advisable as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.)

AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip.
Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3. Do Americans need travel insurance in Italy?

You don't have to get travel insurance for your trip to Italy, but it's a good idea, especially considering how pricey unexpected medical expenses can be. This way, you're covered for unexpected health costs, and you have assistance and support from AXA if your plans unexpectedly change.

4. What is needed to visit Italy from the USA?

If you're a U.S. citizen planning a trip to Italy for tourism, business, or short-term study, you can stay up to 90 days without needing a visa. The essential travel document is your passport, which must be valid for at least three months beyond your planned departure from Italy. Additionally, it's a good idea to have proof of your travel purpose and enough funds for your stay.

5. What happens if a tourist gets sick in Italy?

If you become sick in Argentina, travelers with AXA Travel protection can contact the AXA Assistance hotline at 855-327-1442. Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions. AXA Assistance USA, Inc.© 2023 All Rights Reserved.