AssiVia – travel insurance brand distributed in Italy by Travelassist S.r.l., with policies underwritten by Eir Försäkring AB
Assivia
Assivia is a travel insurance for the Italy market with online purchase and 24/7 assistance.
Direct payment
Medical and hospital costs are settled by direct payment to the healthcare facility where possible, subject to prior contact with the operations center; otherwise costs are reimbursed after the trip. The operations center may also issue a guarantee of payment to the hospital up to the policy limit. Pre-authorization is required before hospital admission or ER visits for amounts above €300 (always required in the USA/Canada/Caribbean).
Geographic scope
Worldwide, excluding Italy, San Marino and Vatican City
Trips must start and end in Italy (or San Marino/Vatican City) with the insured travelling at least 100 km from their domicile; the policy is not valid for trips taken within Italy, San Marino or Vatican City.
Unique selling points
- Medical expenses abroad covered up to €8 million in the Elite tier, well above typical market minimums.
- Unlimited coverage for hospital transfer, medical repatriation and repatriation of mortal remains, with no monetary cap.
- Optional €22 Deductible Waiver removes almost all policy excesses in a single add-on.
- 24/7 multilingual emergency assistance reachable by phone or WhatsApp through the Robin Assist operations center.
- COVID-19 illness is explicitly covered under the Assistance, Medical Expenses, Trip Cancellation and Trip Interruption guarantees.
Coverage limits
Medical expenses abroad
€1,000,000 – €8,000,000
Covers necessary and non-postponable treatment abroad due to acute illness or accident, including ambulance, hospitalization and surgery, outpatient treatment and prescribed medicines. Limit is €1,000,000 in Classic, €5,000,000 in Plus (also Annual Multi-trip Plus, annual cap) and €8,000,000 in Elite (also Annual Multi-trip Elite, annual cap). An €80 deductible per person and event applies unless the optional Deductible Waiver is purchased.
Emergency medical treatment
€1,000,000 – €8,000,000
Emergency ambulance, ER and outpatient treatment abroad for acute illness or accident is covered within the same Spese Mediche guarantee limits (€1,000,000 Classic to €8,000,000 Elite), subject to prior authorization by the operations center for costs above €300 and an €80 deductible.
Hospitalization / guarantee of hospital payment
€1,000,000 – €8,000,000
Covers hospital admission including surgery under the Medical Expenses guarantee; the operations center may also guarantee direct payment of hospital costs to the facility, up to the same tiered limit (€1,000,000 Classic to €8,000,000 Elite, annual cap for Annual Multi-trip). €80 deductible applies to the hospital-payment guarantee.
Outpatient treatment
Covered
Outpatient medical visits, diagnostic tests and laboratory exams pertinent to the reported illness or accident are covered within the overall Medical Expenses limit; no separate sub-limit is stated.
Urgent dental care
€400
Sub-limit of €400 for urgent dental treatment intended to provide immediate pain relief, applicable across all tiers (annual cap for Annual Multi-trip policies), subject to the general €80 deductible.
Hospital transfer
unlimited
Unlimited cover for transfer of the insured between healthcare facilities (potentially in another country), organized by the 24/7 operations center Robin Assist using the most suitable means of transport; no deductible applies.
Medical repatriation (rientro sanitario)
unlimited
Unlimited cover for medically supervised repatriation to the insured's place of residence or nearest suitable facility, organized by Robin Assist, including repatriation with a medical attendant if required; no deductible applies.
Repatriation of mortal remains
unlimited
Unlimited cover for repatriation of the insured's remains to Italy in case of death abroad, organized according to international rules; burial abroad in the country of death is offered as an alternative, capped at €2,600. No deductible applies.
Search, rescue and recovery
€5,000
Covers the costs of search, rescue or recovery operations for the insured following an accident, up to €5,000, the same limit across all tiers; no deductible applies.
COVID-19 treatment
Covered
Pandemics/quarantine are generally excluded, but COVID-19 infection contracted by the insured or a close relative remains explicitly covered under the Assistance, Medical Expenses, Trip Cancellation and Trip Interruption guarantees, within their respective limits.
Pre-existing conditions
Excluded
Pre-existing conditions - illnesses that are the expression or direct consequence of chronic or pre-existing pathological situations known to the insured before the policy start - are excluded from all guarantees.
Winter sports cover
Excluded
Winter sports and dangerous mountain activities (e.g. mountaineering with rock climbing, glacier access, ski-jumping, sledding/bobsledding) are excluded from all coverage.
Adventure/dangerous sports cover
Excluded
A wide list of dangerous and adventure activities (canyoning, advanced kayaking/rafting, bungee jumping, paragliding, boxing/wrestling, motor racing, unsafe diving, etc.) as well as professional or competitive sporting activity, are excluded from all guarantees.
Pregnancy complications
Conditional
Illnesses related to pregnancy beyond the 26th week of gestation and during puerperium are excluded, as are childbirth (including premature), voluntary termination and miscarriage due to negligence; complications up to the 26th week may be covered under the general Medical Expenses guarantee.
Personal liability towards third parties
€250,000
Covers amounts the insured is personally liable to pay for bodily injury, death or property damage caused to third parties during the trip, up to €250,000, the same limit across all tiers including Classic; limited to 80% of the limit for claims in the USA/Canada, with punitive damages excluded. €500 deductible applies unless the Deductible Waiver is purchased.
Legal expenses reimbursement
€10,000
Only in Individuale/Famiglia Elite, Annuale Multiviaggio Elite
Reimburses legal costs incurred by the insured to pursue compensation for accident or death of the insured, up to €10,000; available only in the Elite tier (Individual/Family Elite and Annual Multi-trip Elite), not included in Classic or Plus. €500 deductible applies unless the Deductible Waiver is purchased.
24/7 emergency assistance
Covered
A 24/7, 365-days-a-year multilingual operations center (Robin Assist) is available by phone (+39 0541 14 13 899), WhatsApp message or email to organize and authorize medical and assistance services worldwide; included in all tiers.
Key conditions
Assistance call deadline
For the USA/Canada/Caribbean, the Robin Assist operations center must be called immediately before any hospital admission, ER visit or outpatient visit; for the rest of the world the same obligation applies only when costs exceed €300 (below that, only receipts must be kept).
Unauthorized treatment
If the operations center is not contacted in advance where required, the medical expenses guarantee may not operate, except in cases of objectively proven impossibility for serious health reasons (e.g. coma); failure to comply with obligations can lead to total or partial loss of the right to indemnity under art. 1915 of the Civil Code.
Purchase while abroad
The policy cannot be validly purchased once the insured is already travelling; it must be taken out before departure from Italy, and no policy can be issued to cover a trip already in progress.
Chronic conditions
Chronic diseases and pre-existing pathological conditions known to the insured before the policy start are excluded from all guarantees.
Pregnancy
Pregnancy-related conditions are excluded beyond the 26th week of gestation and during puerperium; childbirth, premature birth and voluntary termination of pregnancy are always excluded.
Pre-existing condition exclusions
Pre-existing conditions - illnesses that are the expression or direct consequence of chronic or pre-existing pathological situations known to the insured - are excluded from cover under all guarantees.
Coverage duration limit
Single-trip policies (Individual/Family) cover one trip of up to 365 days; Annual Multi-trip policies cover an unlimited number of trips abroad within 12 months, provided each single trip does not exceed 31 consecutive days.
Where to buy
Documents
Pre-contractual Information Document (DIP) - AVX26A
IPID
Policy Terms and Conditions - AVX26A
Terms & conditions
Coverage Table (Modulo delle Coperture) - AVX26A
Table of benefits
Policy Terms and Conditions - AVX24A (Individual & Family, superseded)
Terms & conditions
Policy Terms and Conditions - AVX24A (Annual, superseded)
Terms & conditions
Policy specifics
Rental car deductible reimbursement
Coverage for rental car deductibles in case of accident or damage to rented vehicles during travel, included only in Elite tier but Plus tier does not include this benefit
SourceTrip cancellation
Coverage for trip cancellation costs included in Plus and Elite tiers but not in Classic tier
SourceMedical expenses abroad (tier variation)
Coverage for medical expenses incurred abroad, with limits varying by tier: €1,000,000 (Classic), €5,000,000 (Plus / Annual Multi-trip Plus, annual cap), €8,000,000 (Elite / Annual Multi-trip Elite, annual cap).
SourceMaximum insurable age
Maximum age for policy purchase and coverage eligibility
SourceSource no longer reachableMaximum trip duration
Maximum duration of a single covered trip for Single Trip Insurance
SourceSource no longer reachablePurchase timing requirement
Policy must be purchased before trip departure
SourceSource no longer reachableUrgent dental care sub-limit
Sub-limit applied specifically to urgent dental care expenses within the medical expenses coverage
SourceSource no longer reachableCentral emergency contact requirement
Insured must contact the operational center immediately in case of medical emergencies during travel
Source