Assivia Travel insurance (Assivia Viaggio)

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 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.

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 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.

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.

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.

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.

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.

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.

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 - 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 and dangerous mountain activities (e.g. mountaineering with rock climbing, glacier access, ski-jumping, sledding/bobsledding) are excluded from all coverage.

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.

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.

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.

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.