Imaway Travel insurance (Imaway Viaggio Singolo)

Limits vary by tier and destination: Imaway Easy/Smart/Top provide €2,500,000/€5,000,000/€10,000,000 for the world intero, €1,500,000/€3,000,000/€7,000,000 for the world excluding USA-Canada, €750,000/€1,500,000/€2,500,000 for Europe, and €25,000/€50,000/€100,000 for Italy. A €200,000 sub-limit applies to insured persons over 70 for all destinations except Italy. Sub-limits also apply for pharmaceutical care (€1,000/€1,500/€2,000), post-return physiotherapy (€300/€300/€500) and urgent dental care (€150/€300/€500). A €75 per-claim deductible applies unless the optional 'Abbattimento Franchigia' waiver is purchased.

Emergency medical treatment that cannot be postponed until return home is covered under the same Section E 'Spese Mediche in Viaggio' guarantee and limits described under medical expenses.

Hospital and surgical expenses are settled directly by the Company with the medical facility upon prior authorisation from the Struttura Organizzativa; cover operates for a maximum of 100 days of hospitalisation and follows the same destination/tier limits as medical expenses.

Reimburses medical visits, outpatient/first-aid care, day hospital and prescribed pharmaceutical products incurred during the trip, up to €1,000 (Easy), €1,500 (Smart) or €2,000 (Top) per insured person and insurance period.

Covers urgent dental treatment during the trip that cannot be postponed until return, up to €150 (Easy), €300 (Smart) or €500 (Top) per insured person and insurance period.

Transport from the place of the event to the nearest suitable facility is covered up to €3,000 (Easy/Smart) or €5,000 (Top); onward transport from the first-aid facility to a better-equipped medical centre is unlimited on all tiers. Use of a medical aircraft is limited to local transfers.

Organises and covers, with no monetary limit, the insured's medical repatriation to their place of residence or a suitably equipped hospital in Italy when on-site doctors certify the injury or illness cannot be treated locally; transport from non-European countries (outside the Mediterranean basin and Canary Islands) is by scheduled economy-class flight, stretchered if necessary.

Organises and covers, with no monetary limit, 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.

Search costs for missing/disappeared persons are excluded from cover, except when such costs are borne by public bodies or authorities, in which case reimbursement is capped at €1,500.

No specific COVID-19 benefit is mentioned in the policy documentation. General exclusions apply to epidemics or pandemics declared by the World Health Organization and to documented quarantines imposed by public authorities, which would exclude related costs if such a declaration were in force.

Pre-existing illnesses — defined as any condition diagnosed or under medical investigation at the time the policy is issued or the trip is booked, or a manifestation/complication of a condition diagnosed earlier — are excluded from all guarantees.

Winter sports such as skiing, off-piste skiing, cross-country skiing, snowboarding and snowshoeing fall under Group B activities and are only covered if the optional 'Sport d'Avventura' extension is purchased; hiking/trekking under 2,000m altitude is covered as standard, while trekking between 2,000 and 4,000m requires the same optional extension.

High-risk 'Group B' activities (e.g. jet-ski, mountaineering up to grade 3, canyoning, diving below 20m, rafting, quad, kitesurfing, via ferrata) are excluded unless the optional 'Sport d'Avventura' extension is purchased; low-risk 'Group A' activities (e.g. hiking under 2,000m, cycling, kayaking, swimming) are included as standard on every tier.

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

The policy documentation does not include a third-party personal liability guarantee.

Available only on the Smart and Top tiers (not included in Easy). Covers legal costs for the insured's defence, e.g. claims against third parties for injuries suffered as a fare-paying passenger, and criminal defence following a road accident while driving a rented vehicle. Limits per claim and insurance period: €1,500 for Europe and Mediterranean-basin non-EU states, €5,000 for the USA and Canada, €4,000 for the rest of the world.