Travel insurance
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| Feature / category | Allianz May 14, 2026 Open details | AXA May 14, 2026 Open details | SelfyCare Travel May 14, 2026 Open details | Poste Vivere Protetti Viaggi May 14, 2026 Open details |
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| Overview | ||||
Insurer | Allianz S.p.A. | AXA Assicurazioni S.p.A. | Mediolanum Assicurazioni S.p.A. | Poste Assicura S.p.A. |
Online purchase | Yes | Yes | Yes | No |
24/7 helpline | Yes | Yes | Yes | Yes |
Starting price | €38 | — | — | — |
Billing basis | per_trip | per_trip | per_trip | per_trip |
Unique selling points |
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IPID | IPID | IPID | IPID | IPID |
Terms & conditions | Not available | |||
| Coverage | ||||
Medical expenses | €1,000,000 | €50,000 – €100,000 | €3,500,000 | unlimited |
Medical transport | Up to €1,550 (Italy) / €5,500 (Europe, World, USA & Canada) | €2,500 | unlimited | €5,000 |
COVID-19 treatment | €1,000,000 | Coverage for treatment of pandemic diseases (including COVID-19) is conditional. Coverage is excluded if the WHO-declared pandemic is of sufficient gravity and virulence to cause high mortality or require restrictive measures to reduce transmission to the civilian population. However, if an insured person is individually infected with a declared pandemic disease while travelling, they are covered for medical treatment. Travel to a destination subject to a quarantine in force or declared during the trip is also excluded. | unlimited – €3,500,000 | Excluded |
Personal liability | Excluded | Not offered | Excluded | Excluded |
Emergency dental | Up to €550 (all destinations) | €150 | €500 | €500 |
Search & rescue | Excluded | Excluded | Excluded | Excluded |
Legal assistance | Covered | Not offered | €5,000 | €5,000 |
Emergency medical treatment | €1,000,000 | €50,000 – €100,000 | €3,000 | unlimited |
Hospitalization | €1,000,000 | €50,000 – €100,000 | €3,500,000 | unlimited |
Outpatient treatment | Up to €550 (Italy) / €1,300 (Europe, World, USA & Canada) | €50,000 – €100,000 | €3,000 | €1,500 |
Medical evacuation | Unlimited (organized and paid directly by Allianz; no monetary cap) | unlimited | unlimited | Covered |
Repatriation of remains | Included (covered within overall assistance; no separate monetary cap published) | Covered | unlimited | Covered |
Pre existing conditions | Covered | The policy does not explicitly exclude or include pre-existing conditions as a general rule. However, the policy excludes mental illness, schizophrenia, manic-depressive disorders, psychosis, and major depression in acute phase. Pathological states dependent on pregnancy beyond the 26th week of gestation and puerperium are also excluded. Chronic conditions that become acute during travel may be covered under the medical expenses benefit if treatment is urgent and non-deferrable. No general pre-existing condition exclusion clause was found, but coverage is for urgent and non-deferrable treatments only. | Excluded | Excluded |
Winter sports cover | Excluded | Winter sports are not explicitly listed as excluded or included. However, extreme sports practiced outside organized sports structures and without required safety criteria (e.g. bungee jumping, kitesurfing) are excluded. Standard winter sports practiced within organized structures with appropriate safety measures would generally fall under the standard medical expenses coverage for injuries. Professional sports or sports with direct/indirect remuneration are excluded. | Skiing is covered for recreational leisure activity; however, injuries occurring during races, competitions and related trials or training organised or held under the aegis of sports federations or equivalent associations are excluded. Ski acrobatics (free style), guidoslitta, skeleton, bob, and ski jumping from trampoline are explicitly excluded at all times. | Excluded |
Adventure sports cover | Excluded | Excluded | Excluded | Excluded |
Pregnancy complications | Unexpected and sudden complications of pregnancy occurring during the trip may be covered under the medical expenses guarantee as they constitute unexpected illness. Routine pregnancy and childbirth are typically excluded. Specific terms should be verified in the full policy conditions. | Excluded | Diseases related to pregnancy beyond the 26th week of gestation, and those related to the puerperium, therapeutic abortion and childbirth are explicitly excluded. Pregnancy complications occurring within the first 26 weeks of gestation and arising after the policy effective date may be covered under the general medical expenses guarantee if they are not pre-existing. | Excluded |
| Key conditions | ||||
Assistance call deadline | The policyholder must contact the 24/7 operations center before receiving medical treatment to activate coverage. In cases of emergency or life-threatening situations, official emergency services (e.g. 112) should be called first, but the operations center must be contacted as soon as possible thereafter. Failure to contact the operations center may result in a reduced or denied claim. | For all benefits except the medical expenses reimbursement channel, the insured must contact the Organisational Structure (AXA Assistance) immediately and in advance of receiving treatment (tel. +39 06 42 115 741, 24/7). For the reimbursement channel, the company must be notified within 30 days of returning to Italy. Without any contact with the Organisational Structure, no reimbursement is possible. | For the medical assistance and medical expenses guarantee, the insured must contact the assistance structure (IMA Italia Assistance S.p.A., +39 02.24128734, active 24/7) before taking any personal initiative. In case of objectively documented force majeure preventing contact, the insured must call as soon as possible, always before taking any initiative. After contact and agreement with the structure, a formal claim must be filed within 15 days of the event. Failure to comply may result in forfeiture of entitlement to benefits pursuant to Art. 1915 of the Italian Civil Code. | For direct payment of hospital/surgical expenses, the insured or their representative must contact the Organisational Structure (Poste Welfare Servizi, toll-free 800.55.40.84 or +39 011 74 17 180 from abroad) before or during hospitalisation. For reimbursement claims without prior authorisation, the claim must be filed within 30 days of return. For the Annullamento Viaggio optional cover, the Organisational Structure must be contacted within 24 hours of the cancellation event. |
Purchase while abroad | The policy must be purchased before departure. Stipulation and premium payment must occur before the departure date. Coverage is operative only for events occurring during the validity period of the policy. | The policy can only be purchased before departure (coverage starts from the time and date of premium payment). There is no provision for purchasing the policy while already abroad. | The policy must be purchased before the start of travel and from Italy; it is not permitted to subscribe the policy once travel has begun, nor to cover travel departing from outside Italy. The contractor must be a holder of a current account at Banca Mediolanum S.p.A. and subscribe exclusively via the Selfy mobile app. The premium is charged in a single upfront payment by direct debit to the Banca Mediolanum current account. | The policy can be purchased up to the day before the start of the trip. There is no provision for purchasing the policy while already abroad. The optional Annullamento Viaggio cover must be subscribed within 48 hours of booking the trip. |
Chronic conditions | Travel Care Comfort covers sudden and unexpected illness or injury during travel. Chronic diseases are covered only if they cause an acute and unexpected episode during the trip. Routine management of known chronic conditions is not covered. | The policy does not include a general exclusion for chronic diseases. Coverage applies to urgent and non-deferrable medical treatments received during travel. However, mental illness, schizophrenia, manic-depressive disorders, psychosis, and major depression in acute phase are excluded. Rehabilitation treatments and physiotherapy are also excluded. | Persons suffering from chronic alcoholism, AIDS, drug addiction or organic brain syndromes are not insurable. Furthermore, the insurance ceases for an insured person upon the manifestation of such conditions within thirty days of the termination date of the insurance. | Chronic diseases are not explicitly addressed as a category, but pre-existing medical conditions are excluded from all coverages. The policy covers only illness (defined as a detectable alteration of the insured's health status not caused by accident) that first arises during the trip. |
Pregnancy | Unexpected and sudden pregnancy complications may be covered as unexpected illness under the medical expenses guarantee. Normal pregnancy and planned childbirth are excluded. Specific terms on gestational age limits should be verified in the full general conditions. | Natural childbirth or caesarean section is excluded. Pathological states dependent on pregnancy beyond the 26th week of gestation and puerperium are excluded. Voluntary termination of pregnancy is excluded. Pregnancy complications requiring urgent treatment before the 26th week may be covered under the general medical expenses benefit. | Diseases related to pregnancy beyond the 26th week of gestation, puerperium, therapeutic abortion and childbirth are explicitly excluded from all coverages. For the trip cancellation guarantee, pregnancy pathologies that arose before the guarantee effective date are also excluded. | Claims caused by or dependent on natural childbirth or caesarean section are excluded. Pathological conditions arising from pregnancy beyond the 26th week of gestation and from the puerperium are excluded. Voluntary termination of pregnancy is excluded. Assisted reproduction and its complications are excluded from Assistenza in Viaggio (mondo). |
Unauthorized treatment | Medical expenses incurred without prior authorization from the operations center may not be reimbursed or may be reimbursed at a reduced amount. Direct payment of hospital expenses is only guaranteed when the operations center is contacted in advance and authorizes the treatment. | If the insured acts without prior authorisation from the Organisational Structure, only reimbursement at reduced sub-limits is available: max €2,500 for transport to hospital, max €150 for urgent dental care following an accident, max €1,000 for all other medical/hospital expenses; subject to a €50 deductible per claim. If the insured refuses medical transport/repatriation, the company immediately suspends assistance and coverage of further medical expenses from the day following the refusal. | No reimbursement is provided for benefits under the assistance guarantee without prior authorisation from the assistance structure, except for medical and pharmaceutical expenses, follow-up treatment costs and emergency dental expenses. Failure to contact the assistance structure may result in total or partial forfeiture of the right to benefits. If the insured self-organises due to documented objective force majeure for transport and repatriation services, the Company reimburses expenses up to the maximum in the insurance certificate, at the strict discretion of the assistance structure. | If the insured is hospitalised without prior contact with the Organisational Structure, no expense will be reimbursed. If the insured refuses medical transport/repatriation, Poste Assicura immediately suspends all assistance and coverage of further medical expenses from the day after the refusal. If the insured requests voluntary discharge against medical advice, expenses are also excluded. |
Pre existing conditions | All Travel Care policies (Basic, Comfort, Premium) include coverage for pre-existing medical conditions. Only the Travel Cancel product excludes medical conditions that, in the 120 days prior to policy purchase, caused symptoms, required medical visits or treatment, or involved prescribed medication, even without a formal diagnosis. | There is no explicit general exclusion for pre-existing conditions. Coverage is limited to urgent and non-deferrable treatments during travel. Specific exclusions apply to mental illness, manic-depressive disorders, psychosis, major depression in acute phase, congenital defects, aesthetic treatments, and rehabilitation. Pre-existing stable conditions that require urgent treatment during travel may be covered. | Pre-existing conditions (chronic/recurrent pathological conditions diagnosed before the policy subscription date) are explicitly excluded from all coverages. For the trip cancellation guarantee, any illness already active at the time of travel booking and/or policy subscription is also excluded. | All medical expenses relating to pre-existing conditions (conditions that existed before the start of the trip) are excluded from reimbursement and from direct payment. For the sanitary transport sub-cover under Assistenza in Viaggio (Italia), pre-existing condition costs are explicitly excluded. |
Coverage duration limit | Standard Travel Care Comfort covers trips up to a maximum of 60 days per policy. If the policy is purchased in combination with a one-way booking, coverage remains valid until return but within the maximum limit of 90 days. The annual Travel Care 365 Multitrip policy covers unlimited trips per year each up to 60 days. | The policy has a temporary duration formula. Coverage for each single trip has a minimum of 2 days and a maximum of 30 days calculated from the start date indicated in the policy. Coverage begins at the time and date of premium payment and is operative until the insured's return to Italy or until midnight on the expiry date (Italian time), with no possibility of extension. Coverage is suspended upon return to Italy. The medical expenses direct payment guarantee is operative for a maximum of 120 cumulative inpatient days. | Coverage is operative for trips with a duration not exceeding 100 consecutive days. The medical expenses guarantee is operative for a maximum of 100 days of total hospitalization. The policy is issued on a temporary basis and terminates automatically at the expiry date indicated in the insurance certificate without tacit renewal. | The contract has a temporary duration coinciding with the trip, with a maximum of 100 days, and terminates automatically at trip end without automatic renewal. For certain high-risk destinations (USA, Canada, Venezuela, Sudan, Iraq, Colombia, Mexico, Iran, North Korea, Syria, or cruises departing from the USA) a minimum trip duration of 5 days applies. |
| Proof and next steps | ||||
Direct payment policy | Direct payment of hospital and surgical expenses is provided upon prior contact with the 24/7 operations center. All other medical expenses (visits, pharmaceuticals, dental emergencies) are reimbursed after the fact upon submission of documentation. | AXA provides direct payment of medical expenses to healthcare providers, subject to prior contact and authorisation from the Organisational Structure (AXA Assistance, Inter Partner Assistance S.A., reachable 24/7 at +39 06 42 115 741 from abroad). If the insured fails to contact the Organisational Structure in advance, only reimbursement at reduced sub-limits is available. No reimbursement is possible without any contact with the Organisational Structure. | For medical expenses, the assistance structure (IMA Italia Assistance S.p.A.) arranges direct payment of hospital and surgical expenses when contacted at +39 02.24128734. In cases where direct payment is not possible, expenses are reimbursed provided the assistance structure was contacted in advance or at the latest before discharge. | Poste Assicura directly pays actual hospital and surgical costs abroad when the insured contacts the Organisational Structure (Poste Welfare Servizi) before treatment. If direct payment is not possible, reimbursement is available upon presentation of clinical and fiscal documentation, provided the Organisational Structure was contacted during hospitalisation and authorisation was obtained. No expense is reimbursed without prior contact with the Organisational Structure. |
Last verified | May 14, 2026 | May 14, 2026 | May 14, 2026 | May 14, 2026 |