Frontier Assicurazioni SRL

Assistance call deadline

The insured must contact the 24/7 operations centre immediately in the event of a claim; medical expense claims must be reported within 15 days of the event; trip cancellation claims must be reported within 5 days of the triggering event and no later than 24 hours after the scheduled departure.

Unauthorized treatment

No reimbursement is provided without prior contact with the operations centre; the absence of a case reference number is presumed as lack of contact unless proven otherwise; failure to comply with claim-notification duties may result in forfeiture of the right to indemnity under Art. 1915 of the Italian Civil Code.

Purchase while abroad

The policy must be taken out for the entire duration of the trip and before departure from the place of residence in Italy; it is not permitted to subscribe to the policy once the trip has already started, or for a trip departing from a place other than the insured's residence in Italy.

Chronic conditions

Persons affected by chronic alcoholism, full-blown AIDS, drug addiction, organic brain diseases (e.g. epilepsy) or psychiatric conditions (e.g. schizophrenia, manic-depressive syndrome, paranoid disorders) cannot be insured, regardless of an actual assessment of their state of health.

Pregnancy

Illness related to pregnancy beyond the 26th week of gestation, complications of the puerperium, therapeutic abortion and childbirth are excluded from cover.

Pre-existing condition exclusions

Pre-existing medical conditions - diagnosed or under medical assessment before the policy's issuance or before enrolment in the trip - are excluded from all guarantees.

Coverage duration limit

Insured trips cannot exceed 180 consecutive days; hospital confinement reimbursement under the medical expenses guarantee is in any case capped at 180 total days; the insured must not be older than 75 at the time of subscription.

Medical repatriation

Transportation and medical care for evacuation to Italy or nearby equipped hospital when medical condition cannot be treated on-site

Convalescent return

Organization and coverage of return transportation costs for a convalescent insured person when health condition prevented normal return

Luggage and personal effects protection

Coverage for loss, theft, or damage to luggage and personal effects during travel

Trip cancellation

Reimbursement of cancellation penalties charged by tour operators if trip is cancelled due to serious events

Delayed departure (flight/ship)

Reimbursement for delayed departure of more than 8 hours from first departure means from Italy

COVID-19 medical expenses

Coverage of medical expenses and treatment related to COVID-19 infection

Direct payment of medical expenses

Direct payment to hospitals and medical providers instead of reimbursement to insured

Trip cancellation for serious events at destination

Reimbursement of the cancellation penalty if the insured cancels the booking due to war events/terrorist attacks or natural disasters affecting the destination, occurring before departure and unforeseeable at booking time.

Epidemic/pandemic and quarantine exclusion

Epidemics or pandemics declared by the World Health Organization, and documented quarantines imposed by public authorities, are excluded from all guarantees.

Maximum trip duration

Maximum consecutive days covered under a single policy

Maximum age at subscription

Upper age limit to purchase or renew the policy

Residency requirement

Policy only available to residents or domiciled persons in Italy

Pre-authorization requirement for direct payment

Insured must contact operations center before or immediately after medical treatment for direct payment guarantee

Pre-existing medical conditions exclusion

Not established from the insurer's documents

Coverage excludes treatment of medical conditions existing before policy purchase unless listed in acceptable conditions