Generali Italia S.p.A.
Generali
Generali is a travel insurance for the Italy market with no online purchase and 24/7 assistance.
Direct payment
The annual premium is paid in a single instalment to the agency to which the policy is assigned, via cash (up to €750), POS, bank/postal transfer, non-transferable bank/postal cheque, or direct debit (SDD); other electronic payment methods offered by the banking/postal system may also be used.
Geographic scope
Italy, Europe, or Worldwide — three territorial options selectable at policy inception
Italy zone covers Italy, San Marino and Vatican City; Europe zone covers all European countries plus Mediterranean-basin countries (Algeria, Cyprus, Egypt, Canary Islands, Israel, Lebanon, Libya, Madeira, Morocco, Syria, Tunisia, Turkey); Worldwide zone excludes a list of specific territories (e.g. Afghanistan, Antarctica, Somalia, Falkland Islands, and others). Under the EASY liability formula, cover excludes the USA and Canada; the TOP formula extends worldwide liability cover to include the USA and Canada.
Unique selling points
- 24/7 emergency assistance activatable with a single phone call to Europ Assistance, covering medical dispatch, repatriation and legal/financial advances.
- Optional extension raises the medical-expenses sum insured to €80,000 specifically for claims occurring in the USA or Canada.
- The TOP formula extends civil liability cover worldwide including the USA and Canada, unlike the base EASY formula.
- A single policy bundles medical expense reimbursement, 24/7 assistance, accident, civil liability, baggage and trip-cancellation protection.
Coverage limits
Medical expenses
€150 – €200
La sezione Rimborso Spese Mediche copre spese mediche, farmaceutiche e ospedaliere sostenute a seguito di infortunio o malattia improvvisa in viaggio, fino alla somma assicurata scelta e indicata in polizza. All'interno di tale massimale operano sottolimiti giornalieri per le rette di degenza in istituto di cura e per le cure dentarie urgenti: 150 euro al giorno nella formula EASY e 200 euro al giorno nella formula TOP. È prevista una franchigia di 50 euro per viaggi in Italia e 100 euro per viaggi all'estero. È inoltre disponibile un'opzione a pagamento di aumento della somma assicurata Rimborso Spese Mediche per USA/Canada fino a 80.000 euro.
Emergency medical treatment
€150
Covers medical, surgical and hospital expenses for treatment received on the spot during a trip following an accident or sudden illness, including treatment received in a facility equipped for first aid.
Hospitalisation daily allowance
€150 – €200
Daily indemnity limit for hospital stay charges (rette di degenza in istituto di cura): €150/day under formula EASY, €200/day under formula TOP.
Outpatient / first-aid treatment
Covered
Covers treatment received at a facility equipped for first aid (pronto soccorso), within the overall medical-expenses sum insured, subject to the same €50/€100 (Italy/abroad) deductible.
Urgent dental care following an accident
€150 – €200
Reimbursement limit for urgent dental treatment necessitated by an accident: €150 under formula EASY, €200 under formula TOP.
Dispatch of a doctor or ambulance in Italy
Covered
If travelling in Italy and a doctor is needed between 8pm and 8am or on public holidays and cannot otherwise be found, the Organisational Structure sends a contracted doctor, or organises transfer by ambulance to the nearest suitable medical centre, at the insurer's expense.
Medical repatriation
Covered
If, following an accident or sudden illness, the insured's condition requires transport back to Italy for hospital care or to their residence, the Organisational Structure organises and pays for transport via air ambulance, scheduled flight (economy, on a stretcher if needed), first-class train, or ambulance (unlimited mileage). Applies only if illness/injury cannot be treated on the spot.
Repatriation of mortal remains
€3,000
In case of death of the insured, the Organisational Structure organises and pays for transport of the body to the place of burial in Italy, up to €3,000 per claim (even if several insureds are involved). Funeral ceremony costs and any further body-recovery costs are excluded.
Pre-existing / chronic conditions
Excluded
Claims deriving from illnesses that are the expression or direct consequence of chronic or pre-existing pathological conditions predating policy subscription are excluded across all sections.
Winter sports cover
Conditional
Under the Medical Expenses Reimbursement section, ordinary recreational skiing is not on the exclusion list and is therefore covered; only extreme winter-sport variants are excluded (ski-mountaineering, acrobatic skiing, extreme ski/snowboard, ski/water-ski jumping, sledge-driving, mountaineering/ice climbing above grade 3). Under the separate Accident (Infortuni) section, however, 'sci in genere' (skiing in general) is explicitly on the list of excluded sporting activities, so accident benefits (death/permanent disability) do not apply to skiing injuries.
Adventure / high-risk sports cover
Excluded
Assistance and medical-expenses benefits do not apply to accidents arising from mountaineering/ice-climbing above grade 3, free climbing, whitewater descents above grade 3, caving, ski/water-ski jumping, ski-mountaineering, kite-surf, snow-kite, acrobatic skiing, extreme ski/snowboard, scuba diving, skydiving and aerial sports in general, nor to injuries from motor racing or professional sporting activity.
Pregnancy complications
Conditional
Assistance and medical-expenses cover applies to pregnancy-related conditions only up to the 26th week of gestation; illnesses/treatment connected with pregnancy beyond the 26th week and with the puerperium are excluded.
Personal liability
Covered
Indemnifies the insured for amounts they are legally liable to pay for accidental death, injury or property damage caused to third parties during private-life travel, up to the policy's stated sum insured. A €100 deductible applies per property-damage claim. Under formula EASY, cover excludes the USA and Canada; under formula TOP, cover is worldwide including the USA and Canada, with a €1,000 deductible for claims occurring there and exclusion of punitive damages.
Referral of a lawyer abroad / legal expense advance
€5,000
If arrested or threatened with arrest abroad, the Organisational Structure provides a lawyer and advances legal fees up to €5,000 (or more, subject to adequate guarantees being provided in Italy). The Responsabilità Civile section also includes management of out-of-court and court disputes, with the insurer appointing lawyers and technical experts.
24/7 assistance helpline
Covered
The Organisational Structure (Europ Assistance Service S.p.A.) operates 24 hours a day, every day, to receive requests and deliver assistance services (medical consultations, doctor/ambulance dispatch, repatriation, legal/financial advances, etc.); the online health-guidance service operates weekdays 9am–6pm only.
Key conditions
Assistance call deadline
The insured must contact the Organisational Structure (Europ Assistance) by phone before taking any independent action; for medical-expense claims, the hospitalisation or first-aid treatment must be reported as soon as possible and no later than 60 days from the event.
Unauthorized treatment
Failure to comply with claim-notification obligations (e.g. the 60-day deadline for medical expenses, 24-hour/10-day rules for baggage, or the 3/5-day deadlines for accident/liability claims) may result in total or partial loss of the right to indemnity under art. 1915 of the Italian Civil Code.
Purchase while abroad
The policy defines the 'Assicurato' as a person resident in Italy on whose behalf the insurance is provided; the documents reviewed do not describe a purchase flow for someone already abroad.
Chronic conditions
Claims deriving from illnesses that are the expression or direct consequence of chronic pathological conditions pre-dating the policy subscription are excluded across all sections.
Pregnancy
Cover applies to pregnancy-related conditions only up to the 26th week of gestation; illnesses connected with pregnancy beyond the 26th week and with the puerperium are excluded from all sections.
Pre-existing condition exclusions
'Malattia preesistente' is defined as an illness that is the expression or direct consequence of a chronic or pre-existing pathological condition, and such conditions are excluded from cover.
Coverage duration limit
Claims occurring after the 100th consecutive day of the insured's stay abroad are not covered, unless the optional clause AS07 (extension beyond 100 continuous days) has been purchased. Overall policy duration is a maximum of one year for the individual tariff and 30 days for the group tariff (for travel-cover sections without cancellation cover).
Policy specifics
Medical expenses reimbursement
Coverage for medical and hospital expenses incurred during travel in case of sudden illness or injury
SourceMedical repatriation
Coverage for emergency return home when medical conditions require transport back to Italy
SourceMedical consultation services
24-hour telephone medical consultation service with generic and specialist (pediatrics, gynecology, cardiology, geriatrics) options
SourceTrip cancellation
Reimbursement of penalties and advance payments in case of trip cancellation due to covered events
SourceTravel injury insurance
Lump sum benefit for death or permanent disability due to accidents during travel
SourceFlight injury insurance
Lump sum benefit for death or permanent disability due to accidents during air travel
SourceAssistance network provider
Services are managed and organized by Europ Assistance Service S.p.A. (Piazza Trento 8, Milan) on behalf of Generali Italia
SourceCoverage geographical scopes
Three optional geographical scopes: Italy only, Europe (EU countries plus Mediterranean), or Worldwide (excludes specific countries)
SourcePolicy duration
Maximum coverage period varies by activated sections: 1 year for travel coverage, 1 year for cancellation, up to 2 years if combined
SourceMedical claims notification period
Medical expense claims must be reported to the Organizational Structure as soon as possible, maximum 60 days from the event
SourceBaggage claims notification procedure
Police report must be filed within 24 hours for baggage theft/robbery; claim to Europ Assistance within 10 days; full documentation within 60 days
SourceHigh-risk activity exclusions
Injuries from mountaineering (above grade 3), free climbing, extreme skiing, skydiving, cave diving with equipment, and professional activities are excluded
SourcePre-existing condition exclusions
Injuries or illnesses that occurred before booking and pregnancy-related conditions (beyond 26 weeks) are excluded
SourceDeductible for Italy travel
€50 deductible applies for medical expenses and urgent dental care when traveling within Italy
SourceDeductible for international travel
€100 deductible applies for medical expenses and urgent dental care when traveling abroad (outside Italy)
Source