Allianz
Allianz Partners is a travel insurance for the IT market with online purchase and 24/7 assistance.
Direct payment
Direct payment of hospital and surgical expenses is provided upon prior contact with the 24/7 operations center. All other medical expenses (visits, pharmaceuticals, dental emergencies) are reimbursed after the fact upon submission of documentation.
Geographic scope
IT
Worldwide including Italy; excludes destinations under UN or EU embargo and destinations for which travel bans or warnings have been issued by any government or public authority
Starting from
€38
Unique selling points
- Medical expenses up to 1,000,000 EUR (Comfort tier) with pharmaceutical costs included within the main limit and no separate sub-cap — a feature most competitors do not offer.
- No maximum age limit: Travel Care is one of the only travel insurance products in Italy covering policyholders of any age, including travelers over 80.
- Pre-existing medical conditions are covered as standard across all tiers (Basic, Comfort, Premium) with no look-back exclusion period for the medical product.
- Italian-language 24/7 operations center with direct hospital payment capability and a global network of medical partners built over 60 years of experience.
- Coverage extends to acts of terrorism and diagnosed pandemics/epidemics including COVID-19 as standard, with no additional premium required.
Coverage limits
Medical expenses
Covered
Direct payment of hospital and surgical expenses; reimbursement of all other medical expenses including urgent dental care, up to the maximum limit indicated in the policy. Coverage valid also in case of diagnosed epidemics or pandemics such as COVID-19.
Emergency medical treatment
Covered
Coverage for sudden and unexpected illness or injury during travel that could cause serious harm if not treated before returning home; covered up to the medical expenses maximum limit. Includes COVID-19 and other pandemics.
Hospitalization
Covered
Direct payment of hospital and surgical expenses; covered up to the medical expenses maximum limit (1,000,000 EUR for Comfort). Medical monitoring by company medical staff during hospitalization.
Repatriation Of Remains
Included (covered within overall assistance; no separate monetary cap published)
SourceCOVID-19 treatment
Covered
Medical expenses coverage is explicitly valid in case of diagnosed epidemic or pandemic diseases including COVID-19, up to the same maximum limit as standard medical expenses (1,000,000 EUR for Comfort tier).
Pre-existing medical conditions
Covered
All Travel Care policies (Basic, Comfort, Premium) include coverage for pre-existing medical conditions. This exclusion applies only to the Travel Cancel (trip cancellation) product, which excludes conditions that in the 120 days before purchase caused symptoms, required medical visits or treatment, or involved prescribed medication.
Winter sports coverage
Excluded
Winter sports coverage is not included in Travel Care Comfort. A separate dedicated product, Travel Ski, is available from Allianz Partners for winter sports activities.
Adventure sports coverage
Excluded
Adventure or extreme sports coverage is not included as a standard feature of Travel Care Comfort. The general policy excludes acts of gross negligence and potentially hazardous activities not covered by standard terms.
Pregnancy complications
Conditional
Unexpected and sudden complications of pregnancy occurring during the trip may be covered under the medical expenses guarantee as they constitute unexpected illness. Routine pregnancy and childbirth are typically excluded. Specific terms should be verified in the full policy conditions.
Personal liability
Excluded
Personal liability (responsabilità civile) coverage is not included in the Travel Care Comfort single-trip policy. It is available in the Travel Care 365 Multitrip annual product, which includes civil liability for damages caused to third parties during travel.
Legal assistance (contact referral)
Covered
The 24/7 operations center provides assistance in locating a lawyer or interpreter contact during travel. This is an assistance service rather than full legal cost coverage. Full legal expense coverage is not confirmed for the Comfort tier.
24/7 travel assistance
Covered
24-hour operations center available in Italian language, providing: telephone medical consultation, medical monitoring during hospitalization, location of doctors and medical facilities, emergency fund transfer, urgent message forwarding, medical repatriation organization, family travel arrangement if hospitalized, return of minors and dependants.
Key conditions
Assistance call deadline
The policyholder must contact the 24/7 operations center before receiving medical treatment to activate coverage. In cases of emergency or life-threatening situations, official emergency services (e.g. 112) should be called first, but the operations center must be contacted as soon as possible thereafter. Failure to contact the operations center may result in a reduced or denied claim.
Unauthorized treatment
Medical expenses incurred without prior authorization from the operations center may not be reimbursed or may be reimbursed at a reduced amount. Direct payment of hospital expenses is only guaranteed when the operations center is contacted in advance and authorizes the treatment.
Purchase while abroad
The policy must be purchased before departure. Stipulation and premium payment must occur before the departure date. Coverage is operative only for events occurring during the validity period of the policy.
Chronic conditions
Travel Care Comfort covers sudden and unexpected illness or injury during travel. Chronic diseases are covered only if they cause an acute and unexpected episode during the trip. Routine management of known chronic conditions is not covered.
Pregnancy
Unexpected and sudden pregnancy complications may be covered as unexpected illness under the medical expenses guarantee. Normal pregnancy and planned childbirth are excluded. Specific terms on gestational age limits should be verified in the full general conditions.
pre_existing_conditions
All Travel Care policies (Basic, Comfort, Premium) include coverage for pre-existing medical conditions. Only the Travel Cancel product excludes medical conditions that, in the 120 days prior to policy purchase, caused symptoms, required medical visits or treatment, or involved prescribed medication, even without a formal diagnosis.
coverage_duration_limit
Standard Travel Care Comfort covers trips up to a maximum of 60 days per policy. If the policy is purchased in combination with a one-way booking, coverage remains valid until return but within the maximum limit of 90 days. The annual Travel Care 365 Multitrip policy covers unlimited trips per year each up to 60 days.
Where to buy
Documents
Travel Care Basic – Set Informativo Precontrattuale (IPID) ed. 12/2025
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Travel Care Comfort – Set Informativo Precontrattuale (IPID) ed. 12/2025
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Travel Care Premium – Set Informativo Precontrattuale (IPID) ed. 12/2025
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Travel Care 365 Multitrip – Set Informativo Precontrattuale (IPID) ed. 06/2025
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Policy specifics
24/7 travel assistance
24-hour operational center with medical assistance, medical monitoring, local contact assistance, and medical repatriation support
Baggage and delay coverage
Protection for loss, theft, damage, or delayed delivery of baggage by carriers. Coverage also for delayed arrival and necessary expense reimbursement
Medical repatriation and family support
Organization of medical repatriation to Italy, medical monitoring, and support for family repatriation if policyholder is hospitalized
Maximum trip duration
Standard travel policies cover trips up to 60 days maximum duration per policy
No maximum age limit
Travel policies have no maximum age limit for coverage eligibility
Terrorism acts coverage
All products with medical expenses, travel assistance, home return, trip continuation and stay extension guarantees cover terrorism acts
Trip cancellation subscription deadline
Cancellation coverage must be purchased within 30 days from the start of the booked trip
Medical emergency contact requirement
Policyholders must contact 24-hour operations center before receiving medical treatment to activate coverage