AWP P&C S.A. - General Representative Office for Italy (trading as Allianz Partners / Allianz Assicurazione Viaggio)
Allianz Assicurazione Viaggio
Allianz Assicurazione Viaggio is a travel insurance for the Italy market with online purchase and 24/7 assistance.
Direct payment
For hospital and surgical expenses the Company pays the healthcare facility directly; other medical expenses, including urgent dental treatment, are reimbursed to the policyholder up to the medical expenses limit shown in the Guarantees Summary.
Geographic scope
Italy and worldwide destinations abroad
Cover applies in the destination country/countries of the trip, including intermediate stops, except where cover would violate applicable laws or regulations, including economic/trade sanctions or embargoes.
Unique selling points
- Selectable medical-expenses limit up to €3,000,000 depending on the chosen tier.
- Direct payment of hospital and surgical costs to the healthcare facility, so insureds do not need to advance the money themselves.
- 24/7 operations center offering assistance in Italian throughout the trip.
- Medical and assistance cover remains valid even in the event of a diagnosed epidemic or pandemic such as COVID-19.
- Quality recognition obtained from the German ITQF Institute.
Coverage limits
Medical expenses abroad
€3,000,000
Covers usual costs for medical treatment following a sudden illness or accident occurring during the trip, and reimburses urgent dental treatment (subject to a sub-limit within this guarantee), up to the maximum medical-expenses limit shown in the Guarantees Summary. The limit is selectable by tier, up to a maximum of €3,000,000 in the Premium tier; the specific Basic and Comfort tier limits are not stated in the documents reviewed. Cover remains valid in case of a diagnosed epidemic or pandemic such as COVID-19.
Emergency medical treatment
Covered
Sudden and unexpected illness or accident occurring during the trip that could cause serious harm if not treated before returning home is covered under the medical expenses guarantee, drawing on the same overall medical-expenses limit.
Hospitalization (direct payment)
Covered
Hospital and surgical expenses are paid directly by the Company to the healthcare facility, within the overall medical-expenses limit; no separate hospitalization sub-limit is stated in the documents reviewed.
Outpatient / other medical expenses
Covered
Medical expenses not involving hospitalization (e.g. outpatient care) are reimbursed to the policyholder within the overall medical-expenses limit.
Urgent dental treatment
Covered
No limit stated
Dental treatment following an accident, dental infection, loss of a filling or a broken tooth occurring during the trip is reimbursed, subject to a sub-limit within the medical-expenses guarantee; the specific sub-limit amount is not stated in the documents reviewed.
Medical transport
Covered
Emergency medical transport is organized in case of a medical emergency during the trip; this cover remains operative also in case of a diagnosed epidemic or pandemic such as COVID-19.
Medical repatriation / protected return
Covered
Safe medical repatriation is organized in case of severe illness or injury during the trip, with coordination between local and Italian doctors; operative also during a diagnosed epidemic or pandemic such as COVID-19.
Repatriation of remains
Not established from the reviewed documents
Not found in the documents reviewed for this product.
Search and rescue
Not established from the reviewed documents
Not found in the documents reviewed for this product.
COVID-19 / pandemic treatment
Covered
Medical and assistance benefits remain operative in case of a diagnosed epidemic or pandemic such as COVID-19, drawing on the same overall medical-expenses limit as other illnesses.
Pre-existing conditions
Not established from the reviewed documents
Not found in the verified travel_medical documents for this product; the treatment of pre-existing conditions is not stated in the Travel Care Premium IPID or the product page reviewed.
Winter sports cover
Not established from the reviewed documents
Not found in the documents reviewed for this product.
Adventure sports cover
Not established from the reviewed documents
Not found in the documents reviewed for this product.
Pregnancy complications
Not established from the reviewed documents
Not found in the documents reviewed for this product.
Personal liability
Not established from the reviewed documents
Not found in the Travel Care Premium IPID or the travel-care.html product page; personal liability appears to be a feature of other Allianz travel products (e.g. multi-trip/annual policies) rather than of this single-trip product, based on the documents reviewed.
Legal assistance
Not established from the reviewed documents
Not found in the documents reviewed for this product.
24/7 travel assistance
Covered
An operations center is available every day of the year, day and night, to assist the insured during the trip.
Key conditions
Assistance call deadline
The documents reviewed do not state a specific deadline (in hours) for contacting the operations center; however, prior authorization from the operations center is generally required for assistance-related expenses to be reimbursed.
Unauthorized treatment
The Premium IPID indicates that failing to follow the required claim procedures may result in the claim being recognized only in part or rejected; a specific monetary penalty is not stated in the documents reviewed.
Purchase while abroad
Not specified in the documents reviewed.
Chronic conditions
Not specified in the documents reviewed.
Pregnancy
Not specified in the documents reviewed.
Pre-existing condition exclusions
Not specified in the Travel Care Premium IPID or the travel-care.html product page reviewed.
Coverage duration limit
Not specified in the documents reviewed.
Documents
Travel Care Premium - Pre-contractual Information Set (IPID)
IPID
Document titled 'Travel Care Comfort' (content retrieved describes the Travel Cancel Comfort trip-cancellation product, not Travel Care Comfort medical cover)
Other document
Travel Care Comfort - bilingual (IT/EN) pre-contractual information set
Other document
Policy specifics
Medical repatriation and sanitaryreturns
Coverage for safe medical repatriation in case of severe illness or injury during travel, with coordination between local and Italian doctors
Source24/7 emergency assistance
24-hour operational center providing medical consultation, emergency transport organization, urgent medication dispatch, and coordination of assistance services
SourceBaggage coverage
Coverage for lost, damaged, stolen baggage or delayed baggage delivery during travel
SourceDirect payment for hospital expenses
For hospital and surgical expenses, the insurer pays directly to the healthcare facility; other medical expenses are reimbursed to the policyholder
SourceThree coverage tiers
Travel Care is available in three tiers: Basic (entry-level), Comfort (mid-level), and Premium (comprehensive) with varying limits on medical expenses and additional coverage options
SourcePandemic and epidemic coverage
All medical and assistance benefits operate also in case of diagnosed epidemics or pandemics such as COVID-19, provided no embargo restrictions apply
Source