AIG Europe S.A. – General Representative Office for Italy
AIG
AIG is a travel insurance for the Italy market with online purchase and 24/7 assistance.
Direct payment
Emergency medical expenses may be reimbursed to the insured or, at the insured's express request and where the local facility accepts it, paid directly by AIG in local currency; assistance costs approved and organised by the 24/7 Assistance Platform (transport, evacuation, hospital transfer, repatriation) are paid directly by AIG, while costs incurred in urgent situations where the platform could not be contacted in advance may be reimbursed on presentation of documentation.
Geographic scope
Policyholder chooses one of: Italy, Europe, Australia and New Zealand, Worldwide excluding North America, or Worldwide including North America
Cover excludes travel in, to or through Cuba, Iran, North Korea, Syria and the Republic of Crimea in all cases
Unique selling points
- Medical expenses abroad covered up to €20,000,000 on the Platinum tier, far above typical single-trip market minimums.
- 24/7 Assistance Platform can pay hospitals directly in local currency at the insured's request, avoiding large out-of-pocket upfront payments.
- Includes legal assistance abroad with bail advance up to €15,000 and legal defence costs up to €3,000 in case of arrest or detention.
- Four selectable geographic zones (Italy, Europe, Worldwide excluding/including North America) let travellers match the premium to their actual itinerary.
- Optional Winter Sports, Golf and Business add-on packages let travellers customise cover for specific activities rather than paying for a one-size-fits-all policy.
Coverage limits
Medical expenses
€3,000,000 – €20,000,000
Reimbursement or direct payment of emergency medical expenses (treatment, hospitalisation, pharmaceutical costs, professional fees) sustained abroad, up to €3,000,000 (Silver), €10,000,000 (Gold) or €20,000,000 (Platinum); a separate, lower sub-limit of €5,000/€10,000/€15,000 applies for medical expenses incurred in Italy. A €100 deductible applies unless the insured holds a European Health Insurance Card (Silver/Gold); no deductible on Platinum.
Emergency medical treatment
€3,000,000 – €20,000,000
Reimbursement or direct payment of emergency medical treatment costs sustained by the insured while travelling, within the medical expenses limits and deductibles shown in the benefits table; also includes reimbursement of urgent dental treatment costs (€300/€400/€500).
Hospitalization daily allowance
€3,000 – €4,500
Only in Gold, Platinum
Daily cash allowance (€15 per 24-hour period) for hospitalization abroad following covered illness/injury, up to €3,000 (Gold) or €4,500 (Platinum), intended to cover incidental costs such as taxis and phone calls. Only available if a Gold or Platinum policy is purchased; not available on Silver, not applicable to hospital stays in Italy or after the insured's return to Italy.
Outpatient treatment
Covered
No limit stated
Outpatient/ambulatory treatment is not itemized as a separate benefit; such costs are covered within the overall 'Spese Mediche di emergenza' (emergency medical expenses) limit described under medical_expenses.
Emergency dental treatment
€300 – €500
Reimbursement of urgent dental treatment costs (medication, filling, root canal or extraction) that cannot be postponed until return to Italy without aggravation or excessive pain, up to €300 (Silver), €400 (Gold) or €500 (Platinum); a €100 deductible applies on Silver/Gold, none on Platinum.
Transport to medical facility
unlimited
The Assistance Platform arranges and pays the actual cost ('spese effettive', no monetary cap stated) of transporting the insured to the most suitable hospital facility, by air ambulance, scheduled flight, sleeper/couchette, ambulance or other suitable means, with medical escort if required.
Repatriation of the insured
unlimited
Following hospitalization abroad and discharge, the Assistance Platform organises and pays the actual cost ('spese effettive', no monetary cap stated) of the insured's transport back to their home in Italy by the medically appropriate means (air ambulance, scheduled flight, sleeper/couchette, ambulance, etc.).
Repatriation of mortal remains
unlimited
In case of death abroad, AIG organises and pays the actual cost ('spese effettive', no monetary cap stated) of transporting the body to the place of burial at the insured's domicile in Italy; a separate sub-limit of €3,000 applies to funeral expenses (first preservation, administrative costs and the first coffin needed for transport) for trips abroad only.
Search, rescue and salvage costs
€7,000
Reimbursement or direct payment of search, rescue (including sled) and salvage (including helicopter) costs charged by civil or military rescuers following the insured's disappearance or injury, up to €2,000 per insured person and €7,000 per claim.
COVID-19 treatment
-€19
No specific COVID-19 benefit or exclusion is mentioned in the provided policy documents; not addressed as a distinct coverage.
Pre-existing medical conditions
Excluded
Claims arising from any pre-existing medical condition (illness or injury) that was the subject of medical consultation, examination, care or treatment, or that manifested or was contracted, in the 12 months preceding the date the policy was issued, are excluded from all coverages.
Winter sports package
€300 – €450
Optional add-on (extra premium required) available with Silver, Gold or Platinum, only for insured persons up to 64 years of age, operating for a maximum of 17 days: piste closure (€300), avalanche delay (€300), ski equipment rental after loss/damage (€300), and 'ski pack' reimbursement (€300 Silver/Gold, €450 Platinum).
Adventure/dangerous sports cover
Conditional
'Attività Pericolose' (a listed range of activities such as cycling, diving to 30m, hiking below 4,000m, orienteering, sailing as qualified crew, etc.) are automatically covered under standard policy limits at no extra premium, provided they are not competitions/training/trials, not practised professionally, and are carried out under a qualified instructor with recommended safety equipment. 'Attività Particolarmente Pericolose' (a listed range of extreme activities such as mountaineering, BASE/bungee jumping, boxing, heli-skiing, motor sports, skydiving, etc.) are always excluded regardless of tier.
Pregnancy complications
Excluded
Travel is excluded from cover if the insured is pregnant and the expected delivery date falls within the 12 weeks preceding the end of the booked trip (16 weeks in case of multiple pregnancy); medical expenses arising from the diagnosis or treatment of a physiological state (e.g. pregnancy) already known before the start of the trip are excluded.
Personal liability to third parties
€1,000,000 – €2,800,000
AIG indemnifies the insured for sums they are legally liable to pay as compensation (capital, interest and costs) for accidental death, personal injury and property damage caused unintentionally to third parties during the trip, up to €1,000,000 (Silver), €2,500,000 (Gold) or €2,800,000 (Platinum); a €360 deductible applies on Silver/Gold, none on Platinum. Available only under the full 'TravelGuard Viaggio Singolo' product, not the limited 'Assistenza e Bagaglio' variant.
Legal expenses / legal assistance
€10,000 – €70,000
Reimbursement of legal fees and court costs arising from compensation claims brought by the insured or their heirs against third parties following the insured's death, illness or injury during the trip, up to €10,000 (Silver), €35,000 (Gold) or €70,000 (Platinum) with a €360 deductible on Silver/Gold. Separately, 'Assistenza legale all'estero' covers legal defence costs up to €3,000 (all tiers) if the insured is arrested or subject to a warrant, plus bail advance up to €15,000.
24/7 assistance helpline
Covered
A dedicated Assistance Platform operates 24 hours a day, every day of the year, to organise and deliver assistance benefits on the insured's request (tel. 0039 023690695, email IT.assistance@aig.com).
Key conditions
Assistance call deadline
The insured (or a family member, travel companion, authority or medical facility on their behalf) must contact the 24/7 Assistance Platform immediately when any Section A assistance benefit is needed, or as soon as objectively possible if immediate contact is impossible, and always before taking any personal initiative; failure to do so may forfeit the right to the assistance benefit under art. 1915 of the Italian Civil Code.
Unauthorized treatment
Costs of assistance services organised directly by the insured, or in any case without the Assistance Platform's prior authorisation, are excluded from cover (save for genuinely urgent situations where prior contact was impossible); if the insured disregards the Platform's medical instructions (e.g. discharges themselves against medical advice or refuses the prescribed transport/repatriation), AIG immediately suspends assistance and reimburses further hospital/surgical costs only up to the cost of the refused transport.
Purchase while abroad
Not permitted: to be valid the policy must be issued to cover the entire duration of a trip departing from Italy and must be issued before the trip begins; it cannot be purchased once the insured is already abroad or the trip has started.
Chronic conditions
Chronic conditions are not addressed as a separate category; a chronic illness that was the subject of medical consultation, care or treatment, or that manifested, in the 12 months preceding policy issuance falls under the 'Malattia o Infortunio Preesistente' (pre-existing condition) exclusion and is not covered.
Pregnancy
Cover excludes a trip undertaken if the expected delivery date falls within the 12 weeks preceding the end of the booked trip (16 weeks for multiple pregnancy), and excludes medical expenses for a pregnancy condition already known before the trip began.
Pre-existing condition exclusions
Defined as any illness, injury or medical condition that — whether or not diagnosed at the time of purchasing the insurance — was the subject of consultation or examination by a qualified doctor and/or of care or treatment, or that manifested or was contracted, in the 12 months preceding the date the policy was issued; such conditions are excluded from all guarantees.
Coverage duration limit
The policy covers a single trip for a maximum of 180 days from the 'Data di effetto della copertura' stated in the insurance certificate; any claim occurring after that term is not covered.
Documents
TravelGuard Viaggio Singolo - Pre-contractual Information Document (DIP)
IPID
TravelGuard Viaggio Singolo - General Insurance Conditions
Terms & conditions
Pacchetto Viaggio Singolo - Benefits Table (Annex 1)
Table of benefits
TravelGuard Viaggio Singolo Assistenza e Bagaglio - Product Information Document (DIP + DIP Aggiuntivo Danni)
IPID
TravelGuard Viaggio Singolo Assistenza, Malattia e Bagaglio - General Insurance Conditions
Terms & conditions
Policy specifics
Medical assistance with direct payment to providers
The policy provides direct payment of medical expenses through the assistance platform rather than reimbursement to the policyholder. This is a key operational distinction.
SourceRepatriation and emergency medical transport
Coverage includes emergency medical transport to appropriate medical facilities and repatriation to the insured's home in Italy, with costs covered by the assistance platform.
SourceSingle trip coverage duration limit
The policy covers a single trip with maximum duration of 180 days per trip, for insured persons traveling from Italy to destinations more than 50 km from their place of residence.
SourceExcluded travel destinations
The policy explicitly excludes coverage for travel to or through Cuba, Iran, North Korea, Syria, and the Crimea region.
SourceAssistance Platform mandatory coordination for medical services
All medical assistance decisions, emergency transport arrangements, and hospital admissions require approval and coordination by the Assistance Platform's medical authorities.
SourceResidency requirement - must be Italian resident
The insurance is exclusively available to and valid only for individuals resident in Italy. The policy can only be purchased by and cover Italian residents.
SourceExclusion of medical tourism and treatment-seeking trips
The policy explicitly excludes coverage for single trips undertaken for the purpose of receiving medical treatment or undergoing medical procedures.
SourcePre-existing medical conditions exclusion
The policy contains standard exclusions for pre-existing medical conditions, which may be waived under specific conditions and timing requirements.
Source