Chubb Travel insurance (Travel Medical Viaggio Singolo)
Underwritten by Chubb European Group SE · Italy
travel insurance from Chubb for the Italy market, with online purchase and 24/7 assistance.
Verified Sep 1, 2026 · Terms dated 2025-07Sources
Key facts
- Personal liability up to €50,000 – €100,000
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
€150K – €1M
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.
Section: Tabella delle garanzie e dei Massimali > Spese Mediche
Ricoveri ospedalieri, interventi chirurgici e relativi onorari medici, urgenti e non procrastinabili - € 150.000 per Assicurato (#) (Max Degenza 100giorni) € 300.000 per Assicurato (#) (Max Degenza 100 giorni) € 1.000.000 per Assicurato (#) (Max Degenza 100 giorni)
Emergency medical/surgical treatment
€150K – €1M
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.
Section: Tabella delle garanzie e dei Massimali > Spese Mediche
Ricoveri ospedalieri, interventi chirurgici e relativi onorari medici, urgenti e non procrastinabili - € 150.000 per Assicurato (#) (Max Degenza 100giorni) € 300.000 per Assicurato (#) (Max Degenza 100 giorni) € 1.000.000 per Assicurato (#) (Max Degenza 100 giorni)
Hospitalisation
€150K – €1M
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.
Section: Tabella delle garanzie e dei Massimali > Spese Mediche
Ricoveri ospedalieri, interventi chirurgici e relativi onorari medici, urgenti e non procrastinabili - € 150.000 per Assicurato (#) (Max Degenza 100giorni) € 300.000 per Assicurato (#) (Max Degenza 100 giorni) € 1.000.000 per Assicurato (#) (Max Degenza 100 giorni)
Outpatient treatment
€2K – €10K
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
Urgent, non-deferrable dental treatment following an accident is covered up to €250 per insured, the same limit applying in all zones.
Section: Tabella delle garanzie e dei Massimali > Spese Mediche
Spese per cure odontoiatriche urgenti - € 250 per Assicurato € 250 per Assicurato € 250 per Assicurato
Medical transport
Covered
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.
Section: Art. 21) Spese Mediche in viaggio
per il trasporto dal luogo dell'evento al centro medico di pronto soccorso o di primo Ricovero; per il trasferimento sanitario presso una struttura medica adeguata più vicina.
Medical evacuation/repatriation
Covered
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.
Section: Art. 21) Spese Mediche in viaggio
per il rimpatrio sanitario, qualora la centrale medica di Chubb Assistance ritenga preferibile il trasporto sanitario dell'Assicurato in Italia, previa analisi del quadro clinico e d'intesa con il medico curante sul posto.
Repatriation of mortal remains
€5K – €10K
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
Not established from the reviewed documents
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.
Section: Art. 25) Esclusioni specifiche > Spese Mediche in Viaggio
Qualsiasi condizione medica, relativa a malattia o infortunio, preesistente.
Winter sports cover
Excluded
Trips undertaken for the purpose of practising winter sports, and the practice of winter sports itself, are excluded from cover.
Section: Art. 23) Viaggi non assicurabili
effettuati allo scopo di praticare qualsiasi Sport Invernale;
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
€50K – €100K
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.
Section: Tabella delle garanzie e dei Massimali > In Vacanza Senza Pensieri > Responsabilità civile in viaggio
Responsabilità civile in viaggio € 50.000 per Assicurato € 100.000 per Assicurato € 100.000 per Assicurato € 100.000 per Assicurato
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.
Section: Parla con Chubb
CENTRALE OPERATIVA Inter Partner Assistance S.A. (24 ore su 24, 365 giorni l'anno)
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.
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.
Territorial scope
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.
Documents
Viaggio Singolo – Insurance Product Information Set (Set Informativo) (opens in a new tab)
Product information sheet · PDF
Viaggio Singolo – Full Terms & Conditions (opens in a new tab)
Terms & conditions · PDF
Viaggio Singolo – DIP and DIP Aggiuntivo (IPID) (opens in a new tab)
Product information sheet · PDF
Policy specifics
Medical expenses abroad
Coverage for urgent and non-deferrable medical care and surgical interventions abroad
SourcePage 1Section: Che cosa è assicurato?
Spese mediche all'estero per cure o interventi chirurgici urgenti e non procrastinabili conseguenti ad infortunio o a malattia improvvisa.
Trip cancellation or modification
Optional coverage for flight/trip cancellation or modification penalties
SourcePage 1Section: Che cosa è assicurato?
L'importo della penale per modifica o annullamento del viaggio addebitata all'Assicurato... (opzionale)
Baggage and personal property
Optional coverage for baggage loss, damage, and delay; personal property protection
SourcePage 1Section: Che cosa è assicurato?
Protezione del bagaglio e degli effetti personali in caso di furto, rapina, scippo, perdita, danneggiamento (opzionale)
Travel assistance services
24/7 assistance services for medical emergencies, lost documents, interpretation, legal advice
SourcePage 1Section: Che cosa è assicurato?
Assistenza 24 h su 24 alla persona in viaggio, incluso il trasferimento e rientro sanitario organizzato
Personal 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
SourcePage 1Section: Che cosa è assicurato?
Ritardata partenza o abbandono del viaggio (opzionale)
Civil 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
SourcePage 1Section: Che tipo di assicurazione è?
È una polizza multirischi a copertura di un viaggio della durata massima pari a 30 giorni, incluso le tratte in congiunzione ed il viaggio di ritorno, avente come luogo di partenza una località ubicata in Italia
Age eligibility
Insured persons must be under 70 years of age at time of purchase
SourcePage 1Section: Che tipo di assicurazione è?
La polizza è dedicata esclusivamente a persone fisiche residenti o domiciliate in Italia, con un'età pari o inferiore a 69 anni al momento dell'acquisto.
Residency requirement
Insured must be resident or domiciled in Italy; trips must originate from Italy
SourcePage 1Section: Che tipo di assicurazione è?
persone fisiche residenti o domiciliate in Italia... avente come luogo di partenza una località ubicata in Italia
Trip purpose
Coverage applies exclusively to leisure/tourist travel; business or other purposes excluded
SourcePage 1Section: Che tipo di assicurazione è?
effettuato dall'Assicurato a solo scopo turistico ad almeno 50Km dalla residenza/domicilio.
Advance contact for medical assistance required
For medical expenses and travel assistance, insured must contact Chubb Assistance before taking action
SourcePage 2Section: Che obblighi ho?
Per le garanzie di assistenza in viaggio e per le spese mediche all'estero, ai fini della gestione del sinistro è obbligatorio il contatto preventivo con Chubb Assistance al numero 800 954 479 (dall'Italia) o (+39) 06 42115312 (dall'Estero)
Claims notification timeline
Insured must report claim to insurer as soon as possible and within 30 days of becoming aware of it
SourcePage 2Section: Che obblighi ho?
Denunciare il sinistro all'Assicuratore il prima possibile, e comunque entro 30 giorni dal momento in cui se ne sia venuti a conoscenza
Annual Multi-trip policy - Special conditions
Annual policies provide continuous coverage for all trips up to 30 days each within policy year
SourceClause Art. 14Page 13Section: Sezione 3 – OGGETTO DELL'ASSICURAZIONE E PRESTAZIONI ASSICURATE > Art. 14) Ambito di operatività
per un numero illimitato di viaggi effettuati tra la "Data di inizio della copertura" e la "Data di fine della copertura", ciascuno di durata massima pari a 30 giorni, con origine dall'Italia
Deductible/Excess structure
Standard deductible applies per claim; optional zero-deductible coverage available for additional premium
SourcePage 16Section: Tabella delle garanzie e dei Massimali > Annullamento o Modifica Del Viaggio
Franchigia 20% min. € 100 20% min € 100 20% min € 100 20% min € 100
Sources
- it.chubbtravelinsurance.comhttps://it.chubbtravelinsurance.com/content/dam/chubbglobaltravel/Staticfiles/Doc/ctiit/Chubb_Travel_Insurance_Annuale_Multiviaggio_ITBOTC03060_cti003_PW.pdf#page=13(opens in a new tab)
- it.chubbtravelinsurance.comhttps://it.chubbtravelinsurance.com/content/dam/chubbglobaltravel/Staticfiles/Doc/ctiit/Chubb_Travel_Insurance_Viaggio_singolo_ITBOTC03059_cti003_PW.pdf#page=1(opens in a new tab)
- it.chubbtravelinsurance.comhttps://it.chubbtravelinsurance.com/content/dam/chubbglobaltravel/Staticfiles/Doc/ctiit/Chubb_Travel_Insurance_Viaggio_singolo_ITBOTC03059_cti003_PW.pdf#page=10(opens in a new tab)
- it.chubbtravelinsurance.comhttps://it.chubbtravelinsurance.com/content/dam/chubbglobaltravel/Staticfiles/Doc/ctiit/Chubb_Travel_Insurance_Viaggio_singolo_ITBOTC03059_cti003_PW.pdf#page=16(opens in a new tab)
- it.chubbtravelinsurance.comhttps://it.chubbtravelinsurance.com/content/dam/chubbglobaltravel/Staticfiles/Doc/ctiit/Chubb_Travel_Insurance_Viaggio_singolo_ITBOTC03059_cti003_PW.pdf#page=17(opens in a new tab)
- it.chubbtravelinsurance.comhttps://it.chubbtravelinsurance.com/content/dam/chubbglobaltravel/Staticfiles/Doc/ctiit/Chubb_Travel_Insurance_Viaggio_singolo_ITBOTC03059_cti003_PW.pdf#page=22(opens in a new tab)
- it.chubbtravelinsurance.comhttps://it.chubbtravelinsurance.com/content/dam/chubbglobaltravel/Staticfiles/Doc/ctiit/Chubb_Travel_Insurance_Viaggio_singolo_ITBOTC03059_cti003_PW.pdf#page=24(opens in a new tab)
- it.chubbtravelinsurance.comhttps://it.chubbtravelinsurance.com/content/dam/chubbglobaltravel/Staticfiles/Doc/ctiit/Chubb_Travel_Insurance_Viaggio_singolo_ITBOTC03059_cti003_PW.pdf#page=28(opens in a new tab)
- chubb.comhttps://www.chubb.com/content/dam/chubb-sites/chubb-com/it-it/individui-e-famiglie/cti-viaggio-singolo/documents/pdf/chubb-travel-insurance--viaggio-singolo_set-informativo.pdf#page=1(opens in a new tab)
- chubb.comhttps://www.chubb.com/content/dam/chubb-sites/chubb-com/it-it/individui-e-famiglie/cti-viaggio-singolo/documents/pdf/chubb-travel-insurance--viaggio-singolo_set-informativo.pdf#page=2(opens in a new tab)
Chubb Travel insurance