ERGO Reiseversicherung AG - General Representative Office for Italy (trading as ERGO Assicurazione Viaggi)
ERGO Assicurazione Viaggi
ERGO Assicurazione Viaggi is a travel insurance for the Italy market with online purchase and 24/7 assistance.
Direct payment
Not confirmed in the official Tutto Compreso documentation available; ERGO's standard practice for its Italian travel products is direct payment of hospital/medical costs where possible, subject to prior contact with the Operations Centre.
Geographic scope
Sold to residents/domiciled persons in Italy for trips abroad or domestically
Valid for the destination(s) selected and identified in the travel document at the time of purchase.
Starting price
€14
Indicative — pricing assumptions not stated
Unique selling points
- All-inclusive travel package combining medical expenses, baggage, flight assistance, civil liability and trip cancellation in a single policy.
- Coverage can be personalized by choosing the desired level of protection when requesting a quote.
- Complete 24/7 travel assistance service positioned as covering 'every eventuality' during the trip.
- Entry-level pricing starting from just €14.32 for the all-inclusive package.
- Backed by ERGO/ERV, a travel insurance specialist operating since 1907.
Coverage limits
Medical expenses reimbursement
Covered
No limit stated
The product page confirms medical expenses reimbursement is a core included benefit of Tutto Compreso, but the exact limit could not be retrieved from the official Tutto Compreso T&C/IPID.
Emergency medical treatment
No limit stated
Not found in the available official Tutto Compreso sources.
Outpatient treatment
No limit stated
Not found in the available official Tutto Compreso sources.
Emergency dental treatment
No limit stated
Not found in the available official Tutto Compreso sources.
Repatriation of remains
No limit stated
Not found in the available official Tutto Compreso sources.
Search and rescue expenses
No limit stated
Not found in the available official Tutto Compreso sources.
Pre-existing conditions
No limit stated
Not found in the available official Tutto Compreso sources.
Adventure sports cover
No limit stated
Not found in the available official Tutto Compreso sources.
Pregnancy complications
No limit stated
Not found in the available official Tutto Compreso sources.
Personal / civil liability
Covered
No limit stated
The official product page lists 'responsabilità civile' as a component of Tutto Compreso, but the exact limit could not be retrieved from the official Tutto Compreso T&C/IPID.
24/7 travel assistance
Covered
No limit stated
The official product page describes 'assistenza completa' as a core feature of Tutto Compreso; exact terms of the 24/7 Operations Centre could not be confirmed from the official Tutto Compreso T&C/IPID.
Key conditions
Assistance call deadline
ERGO's medical expense guarantees require the insured to contact the Operations Centre (Centrale Operativa) before treatment for direct payment to apply; otherwise only reimbursement (not direct payment) is possible.
Unauthorized treatment
Not confirmed in the official Tutto Compreso documentation available.
Purchase while abroad
ERGO travel policies generally must be purchased before departure (by the day prior to the start of the guarantee), so purchase while already abroad/traveling is not permitted.
Chronic conditions
Not confirmed in the official Tutto Compreso documentation available.
Pregnancy
ERGO's general conditions exclude illnesses/complications dependent on pregnancy beyond the 26th week of gestation and the puerperium.
Pre-existing condition exclusions
Not confirmed in the official Tutto Compreso documentation available.
Coverage duration limit
Not confirmed in the official Tutto Compreso documentation available.
Where to buy
Policy specifics
Flight cancellation and trip cancellation
Coverage for cancellation of flights and trip services, distinct benefit in Tutto Compreso package
SourceBaggage insurance
Coverage for loss, damage, and delay of baggage including protection against theft and misplacement
SourceFlight insurance and flight delay protection
Coverage for flight-related risks including delays and disruptions to travel arrangements
SourceTravel assistance services
24/7 travel assistance including emergency support, repatriation coordination, and travel emergency services
SourceCivil liability coverage
Coverage for third-party liability claims arising from accidental damage caused by the insured
SourceTiered coverage by class (A, B, C)
Tutto Compreso is offered in three classes with varying limits and coverage levels. Class A provides maximum coverage with highest limits; Class C is most economical but least comprehensive and does not cover USA/Canada
SourceAge limit of 70 years
The policy is available for persons under 70 years of age. For persons who reach age 70 during the contract term, the guarantee remains valid
SourceMaximum trip duration of 60 days
Coverage period has maximum duration limited to 60 days per trip, matching the booked travel duration
SourceDestination area restrictions and macro-area selection
Coverage is limited to the specific destination or macro-area selected at policy purchase. Macro-areas include Europa, USA-Canada, and other geographic zones with different coverage levels
SourceNon-insurable persons - medical conditions
Persons with AIDS, alcoholism, drug addiction, or certain mental health conditions (organic brain syndromes, schizophrenic disorders, paranoid disorders, manic-depressive forms) are not eligible for coverage regardless of current health status
Source