Collinson Insurance Solutions Europe Limited (trading as Columbus Assicurazioni)

Assistance call deadline

The insured (or a family member, travel companion, or treating authority/medical body) must contact the 24/7 Assistance Centre immediately to activate any Section A guarantee, and in any case before taking any personal initiative; failure to do so may result in forfeiture of the right to assistance benefits

Unauthorized treatment

Direct organization of assistance services without prior authorization from the Assistance Centre is excluded from cover; if the European Health Insurance Card is not presented in an EU country, a €100 deductible per claim applies under Section A

Purchase while abroad

The policy must cover the entire duration of the trip and must be purchased before the trip begins; last-minute purchases are allowed up to departure, but no policy can be issued or modified once the trip has started

Chronic conditions

Consequences or recurrences of a pre-existing medical condition, and claims arising from a condition already known before the trip, are excluded from medical expenses cover

Pregnancy

Unforeseen pregnancy complications up to the sixth completed month are covered as illness; complications beyond the sixth month, voluntary termination, non-premature birth, assisted reproduction and related complications are excluded; expenses relating to a pregnancy already known before the trip started are also excluded

Pre-existing condition exclusions

A pre-existing medical condition is defined as any condition requiring medication, consultation, prescriptions, medical treatment, check-ups, surgery, tests or investigations (other than for the common cold) in the 24 months preceding the policy purchase or trip booking, whichever is later; such conditions are excluded from cover

Coverage duration limit

For Single Trip policies, maximum cover is 365 days (insured up to age 64) or 31 days (insured aged 65-74, maximum age 74); for the Annual Multi-trip policy, each individual trip is covered for a maximum of 31 days, for insured up to age 69

COVID-19 medical expenses coverage

Policy covers medical expenses and repatriation in case of illness due to COVID-19 during travel

Medical expenses limit

Unlimited reimbursement for medical expenses incurred abroad; €10,000 limit for domestic Italy travel

Hospitalization duration limit

Hospital admission expenses are covered for a maximum of 120 days

Emergency dental care limit

For urgent and non-deferrable dental care, a limit of €300.00 applies

European Health Insurance Card requirement

When traveling in EU countries, the insured must have the European Health Insurance Card (EHIC) with them and present it when paying medical expenses

Mandatory central operator contact

The insured or a family member must contact the Assistance Center immediately in case of medical emergency to verify coverage conditions and organize assistance

Direct payment vs. reimbursement model

The policy provides direct payment by the Assistance Center for hospital admissions; reimbursement is made for minor expenses (such as visits, drugs, day-hospital procedures) after verification of contractual conditions

Standard medical deductible

A deductible of €100 per person per claim applies to medical expenses unless the European Health Insurance Card is presented (EU travel) or the Zero Deductible option is purchased

24/7 multilingual assistance center

The Assistance Center operates 24 hours per day, 7 days per week, staffed by competent personnel fluent in Italian and English, to provide medical assistance and organize services such as medical transport and repatriation

Extended stay for medical reasons coverage

If the insured is forced to extend their stay due to health reasons, injury, or illness, the policy covers extra costs for accommodation and related expenses

Domestic (Italy) travel restrictions

For domestic Italy travel, coverage applies only to trips that include an overnight stay at least 150 km away from the insured's place of residence

Policy must be purchased before trip starts

No coverage is provided for trips already in progress at the time of policy purchase; the entire trip duration must be insured before the trip begins