AIG Travel insurance (Travelguard Viaggio Singolo)

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.

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).

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/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.

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.

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.

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.).

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.

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.

No specific COVID-19 benefit or exclusion is mentioned in the provided policy documents; not addressed as a distinct coverage.

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.

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).

'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.

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.

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.

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.