Extracted from source documents

Columbus Assicurazioni Travel insurance (Assistenza Fuori Italia)

Underwritten by Collinson Insurance Europe Limited · Italy

travel insurance from Columbus Assicurazioni for the Italy market, with online purchase and 24/7 assistance.

Verified Sep 1, 2026 · Terms dated 2026-06-01Sources

Online purchase24/7 helpline

Unique selling points

Unlimited medical expense coverage abroad, with no overall cap on emergency care, hospitalization, or medicine costs

Direct payment of hospital admission costs by the Assistance Centre, avoiding upfront out-of-pocket payment by the traveller

24/7 multilingual (Italian/English) assistance centre with a dedicated phone line and a 'Web Doctor' fallback service when calling is not possible

Optional Zero Deductible upgrade to eliminate the standard €100 per-claim medical deductible

Covers unforeseen COVID-19 illness abroad with unlimited medical expenses and repatriation

Coverage limits

Covered

Medical expenses abroad

unlimited

Unlimited reimbursement of medical expenses (treatment, hospitalization, medicines, professional fees) incurred abroad, subject to a €100 deductible per person per claim; capped at €10,000 for travel within Italy, up to a maximum of 120 days of hospitalization

Clause A.20Page Page 14 of 26

Section: SEZIONE A > A.20 - Spese Mediche di emergenza

La garanzia prevede il rimborso delle spese mediche (per cure, ricovero ospedaliero, medicinali, parcelle professionali) sostenute dall'Assicurato in viaggio, entro il limite e previa deduzione della franchigia specificati nell'Allegato 1.

Covered

Emergency medical treatment

unlimited

Reimbursement of emergency medical treatment costs incurred abroad, unlimited, subject to €100 deductible unless the European Health Insurance Card is presented

Clause Art. 10Page Page 5 of 26

Section: Condizioni di polizza > Art. 10 - Convenzioni sanitarie

In mancanza, troverà applicazione una franchigia di polizza di € 100,00 (cento) per ogni sinistro risarcibile in base alla SEZIONE A (Assistenza, Rimpatrio, Spese Mediche).

Covered

Hospitalization

unlimited

Direct payment or reimbursement of hospital admission costs abroad, unlimited, for a maximum of 120 days of continuous hospitalization during the trip; €10,000 cap for hospitalization in Italy

Clause A.20Page Page 14 of 26

Section: SEZIONE A > A.20 - Spese Mediche di emergenza

La Società sostiene direttamente o rimborsa le spese di ricovero ospedaliero, entro i limiti specificati nell'Allegato 1: per un massimo di 120 giorni complessivi di degenza ospedaliera nel corso del viaggio.

Covered

Outpatient treatment

unlimited

Reimbursement of outpatient costs (medical visits, medicines, minor day-hospital procedures) after verification of contractual conditions, within the unlimited medical expenses guarantee abroad

Section: Pagamento diretto delle spese mediche

mentre per le “Spese minori”, come piccoli interventi in day-hospital, visite mediche o l’acquisto di farmaci, il rimborso verrà effettuato una volta verificate le condizioni contrattuali.

Covered

Emergency dental care

€300

Reimbursement up to €300 for urgent, non-deferrable dental treatment (dressing, filling, root canal, or extraction)

Clause A.20Page Page 14 of 26

Section: SEZIONE A > A.20 - Spese Mediche di emergenza

La garanzia prevede anche il rimborso delle spese per cure dentistiche urgenti fino a €300, ossia spese determinate da una prestazione dentistica con carattere d'urgenza.

Covered

Transport to medical centre

unlimited

Actual costs covered for organizing transport of the insured to the most suitable hospital facility by air ambulance, scheduled flight, sleeper/first-class rail, ambulance or other appropriate means, all at the Company's expense

Clause A.4Page Page 12 of 26

Section: SEZIONE A > A.4 - Trasporto dell'Assicurato al centro medico

Il trasporto avverrà con aereo sanitario, aereo di linea, vagone letto, cuccetta prima classe, autoambulanza o altro mezzo ritenuto idoneo in ragione delle condizioni cliniche dell'Assicurato e delle circostanze. Tutti i costi sono a carico della Società.

Covered

Medical repatriation

unlimited

Actual costs covered for the insured's medical repatriation to Italy (residence/domicile or a medical centre chosen by the Assistance Centre), organized by the Assistance Centre

Clause A.5Page Page 12 of 26

Section: SEZIONE A > A.5 - Rientro sanitario dell'Assicurato al proprio domicilio

la Centrale Operativa di Assistenza organizzerà il rientro con il mezzo di trasporto che considera più appropriato nelle circostanze. Nel caso in cui il rientro venga organizzato dalla Centrale Operativa, tutti i costi saranno a carico della Società.

Covered

Repatriation of mortal remains

unlimited

Unlimited coverage of transport costs for the body to the place of burial at the insured's domicile; funeral expenses (first preservation, administrative costs, first coffin) additionally covered up to €3,000 abroad / €1,500 in Italy

Clause A.6Page Page 13 of 26

Section: SEZIONE A > A.6 - Rientro della salma e spese funebri

La Società si fa anche carico, fino all'ammontare indicato nella 'Tabella delle Garanzie' delle spese funerarie (prima conservazione, spese amministrative e spese per la prima bara necessaria al trasporto).

Covered

Search, rescue and salvage expenses

€2K

Reimbursement or direct payment up to €2,000 per insured (max €7,000 per claim) abroad for search, rescue (including sledge) and salvage (including helicopter) operations; €1,000 per insured (max €3,000 per claim) in Italy

Clause A.18Page Page 24 of 26

Section: ALLEGATO 1: TABELLA DELLE GARANZIE > Prodotti Viaggio Singolo > TABELLA DELLE GARANZIE PER I PRODOTTI VIAGGIO SINGOLO

A.18: Spese di ricerca, soccorso e salvataggio €2.000 per assicurato, €7.000 per sinistro €1.000 per assicurato, €3.000 per sinistro

COVID-19 treatment

Not established from the insurer's documents

The policy covers repatriation, assistance and medical expenses if the insured falls ill with coronavirus during the trip; unlimited abroad, capped at €10,000 for travel within Italy

Third-party source, not the insurer's documentPage 1

Section: Cosa é assicurato?

COVID-19 polizza copre rimpatrio, assistenza e spese mediche in caso ci si ammali di coronavirus durante il viaggio.

Excluded

Pre-existing medical conditions

Excluded

Claims arising from any pre-existing medical condition (illness or injury) that was subject to consultation, examination, treatment, or that manifested before the policy was issued, are excluded from cover

Clause Art. 14 aPage Page 6 of 26

Section: Condizioni di polizza > Art. 14 - Esclusioni valide per tutte le sezioni di polizza

qualsiasi condizione medica (relativa a malattia o infortunio) preesistente, che sia stata oggetto di consultazione o esame medico e/o di cure o trattamenti, oppure che si sia manifestata e/o sia stata contratta prima dell' emissione della polizza.

Optional

Winter sports cover

Optional

Optional extension (Section H, additional premium required) of the Assistance, Repatriation and Medical Expenses guarantee to winter sports, up to 31 days (Single Trip, age ≤74) or 14 days (Annual Multi-trip, age ≤64)

Clause SEZIONE HPage Page 22 of 26

Section: SEZIONE H - SPORT INVERNALI

Assicurazione Viaggio Singolo: coincidente con la durata della polizza, fino ad un massimo di 31 giorni. Assicurazione Annuale Multiviaggio: fino ad un massimo di 14 giorni durante l'intero periodo di validità della polizza annuale.

Conditional

Adventure/leisure sports cover

Conditional

A list of leisure sports (e.g. diving up to 30m, rafting up to grade 3, skydiving excluded, etc.) is included in medical cover only if practised occasionally (max 3 days), non-competitively and with qualified supervision; extendable to 7 days with the optional 'Estensione Sport 7 giorni' for an additional premium; several higher-risk activities (e.g. mountaineering, bungee jumping, heli-skiing) are always excluded

Clause Art. 13Page Page 5 of 26

Section: Condizioni di polizza > Art. 13 - Attività sportive

siano svolte soltanto in maniera occasionale (ovvero per non più di 3 giorni durante il periodo del viaggio); non siano configurabili come gare / tornei / allenamenti / prove; non siano svolte a livello professionistico.

Conditional

Pregnancy complications

unlimited

Unforeseen pregnancy complications occurring during the trip are covered under general medical expenses up to the sixth completed month of pregnancy; complications beyond the sixth month, voluntary termination, non-premature birth, assisted reproduction and related complications are excluded

Clause Art. 14 cPage Page 6 of 26

Section: Condizioni di polizza > Art. 14 - Esclusioni valide per tutte le sezioni di polizza

patologie della gravidanza oltre il sesto mese compiuto, interruzione volontaria della gravidanza, parto non prematuro, fecondazione assistita e loro complicazioni;

Personal (third-party) liability

Not established from the insurer's documents

The IPID for the 'Assistenza fuori Italia' (medical-only) product explicitly excludes third-party liability claims; Section E liability cover is only included in the Assistenza+Bagaglio+Cancellazione (ABC) and Annual Multi-trip product variants

Third-party source, not the insurer's documentPage 1

Section: Che cosa non é assicurato?

Reclami di responsabilità civile verso terzi derivanti dalla proprietà, il possesso, l'uso e la guida di veicoli, imbarcazioni o mezzi di trasporto in generale.

Covered

Legal assistance abroad

€3K

If the insured is imprisoned or subject to an arrest warrant abroad, the Company covers legal assistance costs up to €3,000 (not available for travel within Italy)

Clause A.15Page Page 24 of 26

Section: ALLEGATO 1: TABELLA DELLE GARANZIE > Prodotti Viaggio Singolo > TABELLA DELLE GARANZIE PER I PRODOTTI VIAGGIO SINGOLO

A.15: Assistenza legale all’estero €3.000 N.A.

Covered

24/7 assistance centre

unlimited

A multilingual (Italian/English) Assistance Centre operates 24 hours a day, 7 days a week, reachable at +39 02 3600 5814, to verify coverage and organize medical assistance, transport and repatriation services; a 'Web Doctor' service is available if a phone call is not possible

Page Page 12 of 26

Section: SEZIONE A > Condizioni alle quali le prestazioni di assistenza sono effettuate

Centrale Operativa di Assistenza Telefono: +39 02 3600 5814

Key conditions

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

Direct payment

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

Territorial scope

Coverage applies in the geographic area selected by the policyholder at purchase (Europe, World excluding USA/Canada/Caribbean/Mexico, or entire World); travel to destinations advised against by the Italian Ministry of Foreign Affairs is excluded

Documents

Travel Insurance Contract - Terms and Conditions (AIT-PW01-17) (opens in a new tab)

Terms & conditions · PDF

IPID - Single Trip Assistance Outside Italy Policy (AIT-IPIDASS-09, 01.26) (opens in a new tab)

Product information sheet · PDF

IPID - Single Trip Assistance Outside Italy Policy (AIT-IPIDASS-07, September 2025) (opens in a new tab)

Product information sheet · PDF

Policy specifics

COVID-19 medical expenses coverage

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

Source

Section: Covid-19 (Coronavirus)

Columbus Assicurazioni, infatti, prevede la copertura delle spese mediche sostenute anche in caso di malattia dovuta al Covid-19.

Medical expenses limit

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

Source

Section: Spese mediche illimitate

Massimale illimitato (per vacanze all’estero) Massimale fino a 10.000 euro (per vacanze in Italia)

Hospitalization duration limit

Hospital admission expenses are covered for a maximum of 120 days

Source

Section: Pagamento diretto delle spese mediche

Importante: le spese per il ricovero ospedaliero sono coperte per un massimo di 120 giorni.

Emergency dental care limit

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

Source

Section: Spese mediche illimitate

Importante: per le cure dentistiche urgenti e non rinviabili è previsto un massimale di € 300,00.

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

SourceClause Art. 10Page Page 5 of 26

Section: Condizioni di polizza > Art. 10 - Convenzioni sanitarie

Se il viaggio è effettuato in un paese dell'Unione europea, l'Assicurato deve avere con sé la Tessera Europea di Assicurazione Malattia (TEAM), da richiedere presso l'ufficio ASL locale, da esibire al momento del pagamento delle spese mediche.

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

SourcePage Page 12 of 26

Section: SEZIONE A > Condizioni alle quali le prestazioni di assistenza sono effettuate

l'Assicurato (o, in alternativa, un familiare, un compagno di viaggio, l'Autorità o l'ente medico che hanno in cura l'Assicurato) deve contattare immediatamente la Centrale Operativa di Assistenza al numero sotto indicato.

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

Source

Section: Pagamento diretto delle spese mediche

In caso di ricovero ospedaliero, Columbus Assicurazioni prevede anche il pagamento diretto delle spese mediche, mentre per le “Spese minori”, come piccoli interventi in day-hospital, visite mediche o l’acquisto di farmaci, il rimborso verrà effettuato una volta verificate le condizioni contrattuali.

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

Source

Nella polizza, per le spese mediche è prevista una franchigia di € 100 a persona e a sinistro eliminabile applicando l'opzione Zero Franchigia.

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

Source

Section: Assistenza medica in viaggio 24/7 e Web Doctor

La nostra centrale operativa è composta da personale competente, che parla fluentemente in italiano e in inglese, e che risponde al telefono h24, 7 giorni su 7.

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

Source

Section: Prolungamento del soggiorno

Se per ragioni sanitarie, un infortunio o un malanno, sei costretto a dover prolungare il tuo soggiorno, la polizza viaggio “A - Assistenza Medica” copre le spese extra per: Prolungamento del tuo soggiorno

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

SourceClause Art. 20Page Page 7 of 26

Section: Condizioni di polizza > Art. 20 - Durata dell'assicurazione

Tutti i viaggi devono iniziare e terminare in Italia. L'intera durata del viaggio del Contraente deve essere assicurata dal Contraente prima dell'inizio del viaggio; diversamente il sinistro potrebbe non essere coperto.

Sources

Columbus Assicurazioni Travel insurance

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