Frontier Travel insurance (Viaggio Singolo Prime Plus Premium)

Hospital and surgical expenses reimbursed per insured and per insurance period, varying by destination and tier: Italy €1,000/€2,000/€3,000 (Prime/Plus/Premium); Europe €1,000,000 flat across all tiers; World excluding USA/Canada €1,000,000/€2,000,000/€2,000,000; Worldwide €2,500,000/€5,000,000/€5,000,000.

Covers medical treatment required following accident or illness that cannot be postponed until return to the place of residence, within the same destination-based grid as overall medical expenses.

Direct payment of hospital and surgical costs abroad, within the same destination-based grid as medical expenses; cover is limited to a maximum of 180 total days of hospital confinement.

Reimbursement of expenses for medical visits, outpatient/first-aid care, day hospital and prescribed pharmaceuticals incurred during the trip, sub-limited per tier: Prime €1,000, Plus €2,000, Premium €3,000.

Reimbursement of urgent dental treatment during the trip that cannot be postponed until return, sub-limited per tier: Prime €150, Plus €300, Premium €500.

Organization and unlimited coverage of medical transport from the place of the event to the nearest suitable facility, or between medical facilities when better equipment is needed; all tiers.

Unlimited organization and coverage of the insured's medically-necessary repatriation to their place of residence or an equipped hospital in Italy when the condition cannot be treated on-site; includes medical/nursing assistance during transport if needed.

Unlimited organization and coverage of transport of the insured's remains from the place of death to the place of residence; funeral expenses and the search/recovery of the remains are excluded.

Reimbursement of search, rescue and recovery expenses organized by civil/military rescuers, capped per tier: Prime €2,000, Plus €3,000, Premium €4,000; a general policy-wide cap of €4,000 also applies for the search of missing/disappeared persons.

Epidemics or pandemics declared by the World Health Organization, and quarantines documented and imposed by public authorities, are excluded from all guarantees; the current edition (05/2026) contains no COVID-19-specific benefit.

Pre-existing conditions - diagnosed or under medical assessment before the policy was issued or before enrolment in the trip - are excluded from all guarantees, in particular from Travel Assistance and Medical Expenses.

Ordinary recreational skiing is not on the general exclusion list (Art. 1.22) for the Assistance/Medical Expenses guarantees, but the separate Accident guarantee (Premium tier only) excludes ski-alpinism, extreme skiing, freestyle/acrobatic skiing and ski-jump; any activity practiced professionally is always excluded.

Accidents arising from mountaineering with rock/glacier access, free climbing, aerial sports, skydiving, motor/motorboat/motorcycle racing, bobsleigh, kitesurfing and scuba diving are excluded, except that bobsleigh, kitesurfing and scuba diving remain covered when practiced purely recreationally and occasionally; professional sporting activity is always excluded.

Pregnancy-related illness is covered up to the 26th week of gestation; illness related to pregnancy beyond the 26th week, puerperium complications, therapeutic abortion and childbirth are excluded from all guarantees.

No general third-party personal liability guarantee is included in this product; the policy only covers a legal-defence/bail advance service in case the insured is held liable abroad for negligent acts (see Legal Assistance).

Referral of a local lawyer is included with unlimited cover; the insurer also advances defence costs up to €2,500 and a bail bond (cauzione penale) up to €15,000 per insured and per insurance period, against an adequate bank guarantee; these are repayable advances, not indemnities. All tiers.