Inter Partner Assistance S.A. – General Representation for Italy (commercial name: AXA Assistance / AXA Partners Italia)
AXA Assistance
AXA Assistance is a travel insurance for the Italy market with online purchase and 24/7 assistance.
Direct payment
For urgent, non-postponable medical, hospital and surgical treatment received during the trip, the Company pays the costs directly through the Centrale Operativa, provided it is contacted and authorizes the treatment in advance; direct payment applies up to discharge or medical fitness to be repatriated, for a maximum of 50 days of hospitalization in Italy/Europe or 100 days elsewhere, within the €500,000 medical expenses limit.
Geographic scope
Available across four coverage territories selected at purchase: Italy, Europe (including Russia and the Mediterranean basin), Worldwide excluding USA/Canada/Mexico, and Worldwide including USA/Canada/Mexico.
Cover for the main sections (Assistance, Medical Expenses, Baggage) applies only within the destination selected in the policy; the Assistenza Parenti a Casa and Assistenza all'Abitazione sections apply only in Italy.
Starting price
€7
Indicative — pricing assumptions not stated
Unique selling points
- Get an online quote and buy the policy in under two minutes.
- 24/7 operations center available every day of the year, with Italian-language assistance worldwide.
- Medical expenses reimbursed up to €500,000, five times higher than the entry-level Protezione Base plan (€100,000).
- Baggage protection included as standard, unlike the entry-level Protezione Base plan which offers no baggage cover.
- Backed by AXA, a global insurance brand serving over 100 million customers worldwide.
Coverage limits
Medical expenses in travel
€500,000
Combined direct-payment and reimbursement cover for medical, hospital and surgical expenses following illness or injury during the trip, up to €500,000 per insured, claim and insurance period. A €70 deductible applies to reimbursement claims not handled via direct payment through the Centrale Operativa.
Emergency medical/surgical treatment
€500,000
Direct payment of urgent and non-postponable medical, hospital and surgical treatment received on the spot during the trip, subject to prior contact with and authorization from the Centrale Operativa, within the €500,000 overall medical expenses limit.
Hospitalization
€500,000
Hospitalization costs are covered under the €500,000 direct-payment medical expenses guarantee, operative until discharge or medical fitness for repatriation, for a maximum of 50 consecutive days of hospitalization in Italy/Europe and 100 days in the rest of the world.
Outpatient medical/pharmaceutical expenses
€1,000
Reimbursement sublimit, within the reimbursement route (when the Centrale Operativa has not arranged direct payment), for outpatient visits, diagnostic tests and medicines following illness or injury in travel, subject to a €70 deductible per claim.
Emergency dental treatment
€200
Reimbursement of urgent dental care up to €200, only when the need arises from an accident (infortunio) that occurred during the trip; dental care following illness is not covered.
Transport to first-aid center
€5,000
Reimbursement of transport costs from the place of the event to the nearest first-aid or emergency care center, up to €5,000.
Medical transfer / repatriation
Covered
When medically advised, the Company organizes and bears all costs of sanitary transfer to a more suitable medical facility or repatriation to Italy, using an air ambulance (return to Italy only), scheduled flight, first-class train/sleeper, or unlimited-mileage ambulance, with medical/paramedical escort as needed; no separate monetary cap is stated for this benefit.
Repatriation of remains and funeral expenses
€5,000
In the event of death of the insured during the trip, transport of the body to the place of burial in Italy, including funeral/burial/cremation expenses, up to €5,000; also includes a return ticket for one family member and one night's hotel stay if the insured was travelling alone.
Search and rescue expenses
Excluded
Search expenses for the insured at sea, lake, mountain or desert are explicitly excluded from all sections of the policy.
COVID-19 treatment
No limit stated
Not addressed as a distinct benefit in the Protezione Media policy documents provided; general exclusions apply if a quarantine is in force or declared at destination during the trip.
Pre-existing conditions
Excluded
Illnesses that are the expression or direct consequence of chronic or pre-existing pathological situations at the start of the trip are excluded from the medical expenses guarantee.
Winter sports cover
No limit stated
Not separately addressed for the Protezione Media product; the Infortuni di Viaggio/Volo sections, where winter-sports supplements are typically referenced, are not included in this tier (marked NO in the guarantees table).
Adventure/extreme sports cover
Conditional
Medical expenses arising from sports practice are covered only if the activity is practised within a sports organization and in compliance with prescribed safety criteria; air/aerial sports, extreme sports practised outside organized sporting bodies, and any sport exercised professionally or for remuneration are excluded.
Pregnancy complications
Conditional
Pregnancy-related complications occurring before the 26th week of gestation are treated as ordinary illness under the medical expenses guarantee; pathological conditions dependent on pregnancy beyond the 26th week, the puerperium, and natural or caesarean delivery are excluded.
Third-party liability (RCT)
Excluded
Third-party liability cover is not included in Protezione Media (marked NO in the guarantees table); it is only available in the Schermo Totale (€150,000) and Annuale (€100,000) tiers.
Sourcing of a lawyer
€1,000
The Centrale Operativa arranges access to a lawyer abroad, with related costs covered up to €1,000.
24/7 operations center
Covered
The Centrale Operativa is available 24 hours a day, every day of the year, to organize telephone medical consultations, doctor/ambulance dispatch, specialist referrals, medical transfers and other assistance services.
Key conditions
Assistance call deadline
The insured must contact the Centrale Operativa before receiving urgent medical/hospital treatment for direct payment to apply; assistance and medical expense benefits are not payable without prior contact with, and authorization from, the Centrale Operativa.
Unauthorized treatment
If the Centrale Operativa is not contacted, only reimbursement (not direct payment) applies, and costs exceeding €500 incurred without prior contact with, or authorization from, the Centrale Operativa are not covered.
Purchase while abroad
The policy must be purchased before the trip begins, for trips not yet started, with confirmed travel dates and a return ticket already bought; if the policy is issued after departure, the Company will not provide assistance or reimbursement in case of claim.
Chronic conditions
Illnesses that are the expression or direct consequence of chronic or pre-existing pathological conditions at the start of the trip are excluded from medical expenses cover.
Pregnancy
Pathological conditions dependent on pregnancy beyond the 26th week of gestation and puerperium, as well as natural or caesarean delivery, are excluded; complications occurring before the 26th week are treated as ordinary illness/injury.
Pre-existing condition exclusions
Pre-existing medical conditions, defined as illnesses that are the expression or direct consequence of chronic or already-existing pathological situations at the time of policy subscription, are excluded.
Coverage duration limit
Single-trip cover lasts a maximum of 100 days (reduced to 45 days for persons aged 65 or over at purchase); direct-payment hospitalization cover is limited to 50 consecutive days of hospitalization in Italy/Europe and 100 days in the rest of the world; insurable persons must be Italian residents with an Italian tax code and no older than 75 at subscription.
Where to buy
Documents
Pre-contractual information document (Set Informativo) – Protezione Media
IPID
Additional pre-contractual information document (DIP Aggiuntivo Danni) – Protezione Media
Other document
Insurance conditions for travel policies (Protezione Base, Protezione Media, Schermo Totale, Annuale) – Ed. 10/2023
Terms & conditions
Guarantees and limits table by product
Table of benefits
Policy specifics
Medical expenses reimbursement limit
Medical expenses covered up to €500,000 for illness or injury during travel
SourceBaggage protection coverage
Coverage for loss, theft, robbery, fire or failure to deliver baggage up to €750
SourceOptional trip cancellation guarantee
Optional add-on coverage for trip cancellation reimbursement if unable to depart for covered reasons
SourcePre-existing medical conditions exclusion
Pre-existing medical conditions are excluded from coverage
SourceDirect payment of medical expenses by insurer
For covered products, AXA Partners Italia directly covers payment of medical, hospital and surgical expenses from illness and injury without requiring customer reimbursement
SourceFamily assistance support while insured is abroad
Assistance services available to family members remaining at home during the insured's travel
SourceHome assistance services during travel
Guarantee provides intervention for home repairs (plumber, electrician, locksmith) in case of damage while insured is traveling
Source