Chubb European Group SE – General Representative Office for Italy
Chubb
Chubb is a travel insurance for the Italy market with online purchase and 24/7 assistance.
Direct payment
For medical expenses abroad, Chubb Assistance settles bills directly with the hospital or provider up to the applicable limit, provided it has been contacted in advance; reimbursement to the insured applies only in the cases where direct payment could not be made.
Geographic scope
Available to individuals resident or domiciled in Italy, for single trips originating from Italy
Coverage territory is selected at purchase among Zone 1 (Europe/Mediterranean area), Zone 2 (Zone 1 plus most of the rest of the world) and Zone 3 (worldwide, including the Americas, Oceania and remote Asia); the policy is void for trips to, through or in Iran, Syria, North Korea, Sudan, Cuba and Crimea, and cruises are excluded from cover.
Unique selling points
- Medical expenses abroad covered up to €1,000,000 per insured in Zone 3 destinations, including up to 100 days of hospitalisation.
- 24/7 Chubb Assistance helpline with unlimited telephone medical consultations and direct cashless settlement of hospital bills abroad.
- Medical expenses deductible is waived whenever the insured uses the European Health Insurance Card or another reciprocal or private health arrangement to reduce costs.
- 14-day no-questions-asked right of withdrawal with full premium refund if the trip has not yet started.
- Cover extends as standard, at no extra premium, to a wide list of recreational sports and activities such as diving to 18m, dry-slope skiing and water skiing.
Coverage limits
Medical expenses abroad
€150,000 – €1,000,000
Only in Zona 1, Zona 2, Zona 3
Overall guarantee for medical expenses incurred abroad due to accident or sudden illness (hospitalisation, surgery, doctors' fees, out-patient care, urgent dental care), with a per-insured limit varying by destination zone: €150,000 in Zone 1, €300,000 in Zone 2, up to €1,000,000 in Zone 3; not applicable for stays within Italy.
Emergency medical/surgical treatment
€150,000 – €1,000,000
Only in Zona 1, Zona 2, Zona 3
Covers urgent and non-deferrable medical and surgical treatment abroad following accident or sudden illness, including doctors' fees, paid directly by Chubb Assistance up to the applicable zone limit.
Hospitalisation
€150,000 – €1,000,000
Only in Zona 1, Zona 2, Zona 3
Hospital admission, surgical interventions and related doctors' fees are covered up to the zone limit (€150,000 Zone 1 / €300,000 Zone 2 / €1,000,000 Zone 3 per insured), for a maximum of 100 days of hospitalisation.
Outpatient treatment
€2,000 – €10,000
Only in Zona 1, Zona 2, Zona 3
Covers medical and/or pharmaceutical visits, out-patient care and first-aid treatment: €2,000 per insured in Zone 1, €10,000 in Zone 2 and Zone 3.
Emergency dental care
€250
Only in Zona 1, Zona 2, Zona 3
Urgent, non-deferrable dental treatment following an accident is covered up to €250 per insured, the same limit applying in all zones.
Medical transport
Covered
Only in Zona 1, Zona 2, Zona 3
Transport from the place of the event to the nearest first-aid/hospital centre, and transfer to a more suitable medical facility, are included within the overall medical expenses limit with no separate sub-limit.
Medical evacuation/repatriation
Covered
Only in Zona 1, Zona 2, Zona 3
Repatriation to Italy for health reasons, organised by Chubb Assistance's medical team, is included within the overall medical expenses limit with no separate sub-limit.
Repatriation of mortal remains
€5,000 – €10,000
Transport of the deceased insured's remains to the place of burial in Italy: €5,000 per insured if death occurs within Italy, €10,000 for Zone 1, 2 or 3 destinations.
Search & rescue
Excluded
Search costs for the insured in sea, lake, mountain or desert are explicitly listed among the excluded expenses in Chubb's Italian travel insurance policy documentation, rather than covered as a distinct search-and-rescue benefit with a stated limit.
COVID-19 treatment
Excluded
The policy explicitly excludes any claim of any kind directly or indirectly arising from, related to, or connected with COVID-19 (including any mutation) or its spread.
Pre-existing conditions
Excluded
Medical conditions that are pre-existing and known to the insured at the time the policy was purchased are excluded from cover.
Winter sports cover
Excluded
Trips undertaken for the purpose of practising winter sports, and the practice of winter sports itself, are excluded from cover.
Adventure/recreational sports cover
Conditional
Cover extends to a defined list of recreational and sports activities (e.g. diving to 18m with a qualified instructor, motorcycling up to 125cc with helmet and valid licence, dry-slope and water skiing) provided they are not practised against medical advice, are not the main purpose of the trip, use the required technical equipment, and are not carried out professionally or in competitions.
Pregnancy complications
Conditional
Covered as a sudden illness only if certified by a doctor or an obstetric specialist; for travel between the 28th and 35th week of pregnancy a medical fitness-to-travel certificate obtained no earlier than 5 days before departure is required. Included within the overall medical expenses limit with no separate sub-limit.
Personal liability while travelling
€50,000 – €100,000
Optional cover for sums the insured is legally liable to pay for accidental death, injury or property damage caused involuntarily to third parties in the course of private life during the trip: €50,000 per insured for events in Italy, €100,000 for Zone 1/2/3, subject to a €100 deductible.
Legal defence costs
25% of insured sum
Legal defence costs incurred to resist third-party claims under the optional Personal Liability cover are borne by Chubb up to one quarter of the liability limit applicable to the claim, pursuant to Art. 1917 of the Italian Civil Code.
24/7 telephone medical assistance
unlimited
Chubb Assistance is available 24 hours a day, 365 days a year, and provides an unlimited number of telephone medical consultations in case of sudden urgent need during the trip.
Key conditions
Assistance call deadline
The insured must contact Chubb Assistance before taking any personal initiative, in order to request travel assistance or to open a medical expenses claim (hospitalisation, medical/specialist visits, tests, or medical repatriation).
Unauthorized treatment
If Chubb Assistance has not been contacted in advance, Chubb may reject the claim or reduce the indemnity payable.
Purchase while abroad
The policy must be purchased online by an adult who is physically present in Italy, by 24:00 of the day before the coverage start date; it cannot be purchased once the insured is already travelling abroad.
Chronic conditions
Chronic or pre-existing conditions known to the insured are excluded, unless they concern a pathologically stabilised pre-existing illness underlying a covered sudden illness.
Pregnancy
Pregnancy complications are covered as a sudden illness only if certified by a doctor or obstetric specialist; for travel between the 28th and 35th week of pregnancy, a medical fitness-to-travel certificate obtained no more than 5 days before departure is required.
Pre-existing condition exclusions
Pre-existing medical conditions known to the insured at the time of policy purchase are not covered.
Coverage duration limit
Each single trip is covered for a maximum of 30 days including the return journey; medical expenses linked to hospitalisation are covered for a maximum of 100 days of hospital stay.
Policy specifics
Medical expenses abroad
Coverage for urgent and non-deferrable medical care and surgical interventions abroad
SourceTrip cancellation or modification
Optional coverage for flight/trip cancellation or modification penalties
SourceBaggage and personal property
Optional coverage for baggage loss, damage, and delay; personal property protection
SourceTravel assistance services
24/7 assistance services for medical emergencies, lost documents, interpretation, legal advice
SourcePersonal accident coverage
Indemnity for permanent disability (total or partial) or death resulting from accident during travel
SourceTravel disruption and inconvenience
Optional coverage for flight delays, missed connections, travel service failures
SourceCivil liability during travel
Coverage for personal liability for damages caused to third parties during travel
SourceMaximum trip duration
Single-trip policies cover a maximum duration of 30 days including return journey
SourceResidency requirement
Insured must be resident or domiciled in Italy; trips must originate from Italy
SourceTrip purpose
Coverage applies exclusively to leisure/tourist travel; business or other purposes excluded
SourceAdvance contact for medical assistance required
For medical expenses and travel assistance, insured must contact Chubb Assistance before taking action
SourceClaims notification timeline
Insured must report claim to insurer as soon as possible and within 30 days of becoming aware of it
SourceAnnual Multi-trip policy - Special conditions
Annual policies provide continuous coverage for all trips up to 30 days each within policy year
SourceDeductible/Excess structure
Standard deductible applies per claim; optional zero-deductible coverage available for additional premium
SourceSources
- https://it.chubbtravelinsurance.com/content/dam/chubbglobaltravel/Staticfiles/Doc/ctiit/Chubb_Travel_Insurance_Annuale_Multiviaggio_ITBOTC03060_cti003_PW.pdf
- https://www.chubb.com/content/dam/chubb-sites/chubb-com/it-it/individui-e-famiglie/ita-airways/documents/pdf/ita-airways_programma-viaggi-opzione-italia-europa-mondo_set-informativo.pdf