IMA Italia Assistance S.p.A.
Imaway
Imaway is a travel insurance for the Italy market with online purchase and 24/7 assistance.
Direct payment
For hospital and surgical expenses, the Company can settle costs directly with the treating medical facility once the Struttura Organizzativa has been contacted in advance and a case number issued; without prior authorisation, no reimbursement is granted and the policyholder must instead pay locally and claim reimbursement afterwards, subject to the €75 per-claim deductible unless the optional deductible waiver is purchased.
Geographic scope
Worldwide, with sub-limits varying by declared destination (Italy / Europe / World excluding USA-Canada / Worldwide)
Cover applies in the country or group of countries where the trip takes place, as stated on the Insurance Certificate, and where the insured event occurs; for air, rail, coach or ship travel, cover runs from the departure station to the arrival station, while for car travel cover starts beyond 50 km from the insured's place of residence.
Unique selling points
- Direct (cashless) settlement of hospital and surgical costs with the treating facility abroad, instead of a reimbursement-only model.
- Worldwide medical expense limit up to €10,000,000 on the Top tier, well above typical minimum travel-insurance limits.
- 24/7 multilingual assistance hotline with unlimited telephone medical consultation and medicine dispatch on every tier, including the entry-level Easy plan.
- Optional deductible-waiver rider ('Abbattimento Franchigia') lets travellers remove the standard €75 per-claim deductible on medical and baggage claims.
- Included legal protection cover on the Smart and Top tiers, with worldwide reimbursement up to €5,000 for legal defence costs.
Coverage limits
Medical expenses abroad (hospital, surgical, pharmaceutical and dental care)
€2,500,000 – €10,000,000
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 while travelling
€2,500,000 – €10,000,000
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.
Hospitalization abroad (direct payment)
€2,500,000 – €10,000,000
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.
Outpatient medical and pharmaceutical expenses
€1,000 – €2,000
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.
Urgent dental care
€150 – €500
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.
Medical transport to/between medical facilities
€3,000 – €5,000
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.
Medical repatriation of the insured
unlimited
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.
Repatriation of mortal remains
unlimited
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 and rescue for missing persons
€1,500
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.
COVID-19 treatment
No limit stated
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 medical conditions
Excluded
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 cover
Optional
Only in Imaway Smart, Imaway Top
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.
Adventure sports cover
Optional
Only in Imaway Smart, Imaway Top
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 complications
Conditional
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.
Personal liability
No limit stated
The policy documentation does not include a third-party personal liability guarantee.
Legal protection (Tutela Legale)
€1,500 – €5,000
Only in Imaway Smart, Imaway Top
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.
24/7 travel assistance hotline
Covered
A dedicated Struttura Organizzativa telephone line (+39 02.24128525), operating 24 hours a day every day of the year, provides telephone medical consultation and medicine dispatch (both unlimited) plus authorisation and coordination of all assistance benefits, on every tier.
Key conditions
Assistance call deadline
The insured must contact the Struttura Organizzativa immediately in case of a claim and, in any case, before taking any personal initiative; for reimbursement claims, notification must be made within 15 days of the event through the claims portal, email, registered letter or the dedicated phone line.
Unauthorized treatment
No reimbursement is granted without prior authorisation from the Struttura Organizzativa; the absence of a case number is treated as absence of contact unless proven otherwise, and failure to notify a claim as required can result in loss of the right to indemnity under Art. 1915 of the 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 cannot be purchased once the trip has already started or to cover a trip departing from a place other than the insured's Italian residence.
Chronic conditions
Persons suffering from chronic alcoholism, confirmed AIDS, drug addiction, organic brain disorders (e.g. epilepsy), schizophrenia, manic-depressive disorders or paranoid disorders cannot be insured, regardless of an individual assessment of their state of health.
Pregnancy
Illnesses related to pregnancy beyond the 26th week of gestation, and related to the puerperium, therapeutic abortion and childbirth are excluded from cover.
Pre-existing condition exclusions
Pre-existing illnesses, meaning any condition diagnosed or under medical investigation when the policy is issued or the trip is booked, are excluded from all guarantees.
Coverage duration limit
Cover is available up to age 75 at subscription, with a maximum single-trip duration of 90 days for ages 0-45, 60 days for ages 46-70 and 30 days for ages 71-75; hospitalisation cover under the medical expenses guarantee operates for a maximum of 100 days.
Documents
DIP Danni - Insurance Product Information Document
IPID
Terms and conditions - Imaway Viaggio Singolo (Ed. 02/2026)
Terms & conditions
Summary table of guarantees
Table of benefits
Previous edition (superseded) - Ed. 07/2025
Other document
Previous edition (superseded) - Ed. 03/2024
Other document
Policy specifics
Direct payment of medical expenses
The insurance covers medical expenses with direct payment to accredited medical centers (over 12,700 worldwide), rather than reimbursement model
SourceMedical expense limits by destination
Medical expense coverage limits vary by travel destination, with higher limits for USA and Canada (up to €10 million)
SourceAge restrictions and maximum trip duration
Insurance is valid up to age 75; maximum trip duration varies by age: 90 days for ages 0-45, 60 days for ages 46-70, 30 days for ages 71-75
SourceTrip cancellation coverage
Trip cancellation (annullamento viaggio) is an optional guarantee available only for the TOP coverage tier
SourceAdventure sports optional coverage
High-risk adventure sports are not automatically covered; dedicated optional extension required for activities like hiking in Alpine regions
SourceElectronic devices coverage extension
Electronic devices (cameras, smartphones, tablets, etc.) coverage is limited to €100 per item unless optional extension is purchased (increases to €300)
SourcePolicy must be subscribed before departure
Policy must cover the entire trip duration and be subscribed before departure from Italy; cannot be subscribed mid-journey
SourceTravel restrictions and destination limitations
Insurance does not cover travel to territories with public authority bans or limitations (temporary or permanent); traveler must verify current travel advisories
SourceClaim notification to assistance network required
Policyholder must contact the IMA Imaway assistance center before taking any personal action in case of claim; failure to notify may affect coverage
SourceCOVID-19 medical expense coverage
Medical expenses resulting from COVID-19 contracted during travel are covered under the policy
SourceTerritorial scope and validity dates
Insurance is valid only in the destination country/countries specified in the policy certificate and where the claim-triggering event occurs; validity starts from departure point station and ends at arrival point
Source