Pending review

Arca Vita S.p.A. and Arca Assicurazioni S.p.A.

Arca Assicurazioni

Arca Assicurazioni is a travel insurance for the Italy market with online purchase and 24/7 assistance.

Last verified Aug 31, 2026Reviewed by: Boleron EUUnderwritten by: Arca Assicurazioni
Online purchase24/7 helpline

Direct payment

Not specified in the available sources.

Geographic scope

Italy and abroad

Worldwide coverage for trips in Italy or abroad, for a maximum duration of 120 days per trip.

Unique selling points

  • Medical expenses covered up to €500,000 for trips of up to 40 days, well above typical basic travel policy ceilings.
  • Policy can be activated instantly via the BPER app, even just minutes before departure.
  • Covers up to 5 insured people under a single policy, even if they are not family members.
  • Progressive multi-traveler discounts of up to 20% when insuring more people on the same policy.
  • Covers trips of up to 120 days, longer than many standard travel insurance products.

Coverage limits

Medical expenses

€500,000

Medical expenses covered up to €500,000, applicable for trips with a duration of up to 40 days; included in both the Base and Top packages.

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Emergency medical treatment

No limit stated

Not found in the available sources as a distinct benefit.

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Hospitalization

No limit stated

Not found in the available sources as a distinct benefit.

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Outpatient treatment

No limit stated

Not found in the available sources as a distinct benefit.

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Emergency dental treatment

No limit stated

Not found in the available sources as a distinct benefit.

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Medical transport

Covered

Travel assistance includes medical repatriation ('rientro sanitario'), advance of emergency expenses, and family support, included in the Base package; no specific monetary limit stated in the sources.

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Medical evacuation

No limit stated

Not found in the available sources as a distinct benefit.

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Repatriation of remains

No limit stated

Not found in the available sources as a distinct benefit.

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Search and rescue

No limit stated

Not found in the available sources as a distinct benefit.

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COVID-19 treatment

No limit stated

Not found in the available sources as a distinct benefit.

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Pre-existing conditions

No limit stated

Not found in the available sources.

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Winter sports cover

No limit stated

Not found in the available sources.

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Adventure sports cover

No limit stated

Not found in the available sources.

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Pregnancy complications

No limit stated

Not found in the available sources.

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Personal liability

€250,000

Only in Top

Traveler civil liability coverage up to €250,000 for damages caused to third parties; included only in the Top package (not in Base).

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Legal assistance

No limit stated

Not found in the available sources for this product.

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24/7 assistance

No limit stated

Not confirmed as 24/7 for this specific travel product in the available sources (a 24/7 telemedicine service exists as a separate BPER product).

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Key conditions

Assistance call deadline

Not specified in the available sources.

Unauthorized treatment

Not specified in the available sources.

Purchase while abroad

Not specified in the available sources.

Chronic conditions

Not specified in the available sources.

Pregnancy

Not specified in the available sources.

Pre-existing condition exclusions

Not specified in the available sources.

Coverage duration limit

Maximum insurable trip duration is 120 days in Italy or abroad; the €500,000 medical expenses limit specifically applies to trips of up to 40 days.

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Policy specifics

Medical expenses limit for trips up to 40 days

Medical coverage up to €500,000 for trips with duration up to 40 days

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Injury indemnity for permanent disability or death

Injury benefit coverage up to €30,000 for permanent disability or death resulting from accident during the trip

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Baggage insurance limit

Baggage coverage up to €1,000, with specific limit of €300 for theft of smartphones/tablets

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Traveler civil liability coverage

Civil liability coverage up to €250,000 for damages caused to third parties, available in Top package

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Coverage for administrative or health hold

Coverage for flight costs due to administrative or health-related hold/detention, up to €1,000 per person, available in Top package

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Zero risk guarantee (Rischio zero)

Zero risk protection feature available in Top package for comprehensive travel protection

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Trip interruption coverage

Coverage for interruption of trip available in Top package for early return or unexpected trip ending

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Departure delay coverage

Coverage for delays in trip departure available in Top package

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Trip cancellation coverage

Trip cancellation protection available as a standalone package or in combination with Base or Top packages

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Maximum age limit at end of trip

Policy can only be subscribed by individuals with maximum age of 80 years at the end of the trip

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Maximum trip duration

Policy coverage limited to trips with maximum duration of 120 days in Italy or abroad

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Maximum number of insureds per policy

Maximum of 5 insureds can be covered under a single policy, even if not family members

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Eligibility: Italian residents only

Policy can only be subscribed by individuals who are residents in Italy

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Purchase deadline for Base and Top packages

Base and Top packages can be purchased until the day before departure

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Purchase deadline for Trip Cancellation package

Trip Cancellation package can be purchased within 30 days from the start of the trip

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Activation via BPER app only

Policy can only be activated through the BPER mobile app, even a few minutes before departure

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