Intermundial Travel insurance (Totaltravel Premium)
Underwritten by White Horse Insurance Ireland Dac · Italy
travel insurance from Intermundial for the Italy market, with online purchase and 24/7 assistance.
Verified Sep 1, 2026 · Terms dated 2024-12-11Sources
Key facts
- Personal liability up to €250,000
- Starting price: €1.34per tripAs published by the insurer — it does not say who the price is for
Unique selling points
Medical expenses coverage up to €5,000,000 under the Premium tier, well above typical travel-insurance minimums.
Unlimited medical repatriation and emergency medical transport included as standard.
Optional trip cancellation extension covering up to 44 different causes, up to €3,000.
24/7 worldwide emergency assistance line with claims managed through a dedicated mobile app.
Coverage valid for trips up to 90 days including river and sea cruises, and for high healthcare-cost destinations such as the USA and Canada.
Coverage limits
Medical and health care expenses
Not established from the insurer's documents
€100,000 for medical and health care assistance within Italy, €5,000,000 within Europe, and €10,000,000 worldwide. A sublimit of €200,000 per claim and insured applies to insureds aged 70 or over.
Section: Che cosa è assicurato?
Assistenza medica e sanitaria: • Italia: € 100.000. • Europa: € 5.000.000. • Mondo: € 10.000.000. • Assistenza medica e sanitaria per assicurati di età pari o superiore a 70 anni: 200.000 € per sinistro e assicurato: € 200.000.
Emergency medical treatment
Not established from the insurer's documents
Emergency medical care abroad is covered under the same €5,000,000 medical and health care guarantee, including intervention by emergency medical teams and specialists.
Section: Garanzie coperte > 1) GARANZIE DI ASSISTENZA > 1.1.ASSISTENZA A PERSONE > 1.1.1. ASSISTENZA MEDICA E SANITARIA
Sono espressamente compresi, non avendo tale enumerazione un carattere limitativo, i seguenti servizi: a) Assistenza con attrezzature mediche di emergenza e specialisti.
Hospitalisation
Not established from the insurer's documents
Hospitalisation, treatment and surgical interventions are covered under the overall €5,000,000 medical and health care guarantee; the insurer's obligations end once the insured has returned home or been admitted to a health centre corresponding to their place of residence.
Section: Garanzie coperte > 1.1.1. ASSISTENZA MEDICA E SANITARIA
Le obbligazioni dell’ASSICURATORE derivanti da questa copertura termineranno nel momento in cui l’ASSICURATO è rientrato nel proprio domicilio o è stato ricoverato in un centro sanitario prescritto o corrispondente alla località del domicilio dove vive.
Outpatient treatment
Not established from the insurer's documents
Outpatient treatment for injuries or illnesses not requiring hospitalisation is covered within the overall medical and health care guarantee, which is €100,000 for trips within Italy, €5,000,000 within Europe and €10,000,000 worldwide, with a €200,000 sublimit for insureds aged 70 or over, including reimbursement of related pharmaceutical costs.
Section: Che cosa è assicurato?
Assistenza medica e sanitaria: • Italia: € 100.000. • Europa: € 5.000.000. • Mondo: € 10.000.000. • Assistenza medica e sanitaria per assicurati di età pari o superiore a 70 anni: 200.000 € per sinistro e assicurato: € 200.000.
Urgent dental expenses
Not established from the insurer's documents
Up to €600 for urgent dental treatment to relieve pain caused by a gum or dental infection or trauma occurring during the trip.
Section: Che cosa è assicurato?
Spese odontoiatriche urgenti: € 600.
Medical transport of injured or ill persons
Not established from the insurer's documents
Unlimited cover for transferring an injured or ill insured person to the nearest clinic, and, if necessary, to a more suitable hospital or back to their home, as decided by the insurer's medical team.
Section: Garanzie coperte > 1.1.10. RIMPATRIO O TRASPORTO SANITARIO DI FERITI O MALATI
In caso di infortunio o malattia sopraggiunta dell’ASSICURATO che, secondo il parere di un professionista medico, gli impedisse di proseguire il viaggio, l’ASSICURATORE si farà carico: a) Delle spese di trasferimento fino alla clinica o all’ospedale più vicino.
Medical evacuation
Not established from the insurer's documents
Unlimited cover under the same guarantee as medical transport of ill or injured persons; the means of transport is chosen by the insurer's medical team based on urgency and severity.
Section: Garanzie coperte > 1.1.10. RIMPATRIO O TRASPORTO SANITARIO DI FERITI O MALATI
Il mezzo di trasporto usato in ciascun caso sarà deciso dall’Equipe Medica dell’ASSICURATORE in funzione dell’urgenza e gravità del caso.
Repatriation of mortal remains
Not established from the insurer's documents
Unlimited cover for organising and paying for the transfer of the deceased insured's body to the place of burial in the country of residence; funeral and burial ceremony costs are not included.
Section: Garanzie coperte > 1.1.13. RIMPATRIO O TRASPORTO DELL’ASSICURATO DECEDUTO
In caso di decesso di un ASSICURATO, l’ASSICURATORE organizzerà e si farà carico delle spese di trasferimento della salma fino al luogo di sepoltura presso il luogo di residenza abituale. Non saranno comprese le spese di inumazione e cerimonia.
Search and rescue of the insured
€15K
Up to €15,000 for search and rescue operations by public or private organisations if the insured has an accident or goes missing within a ski resort or the area designated for alternative tourism activities. Only valid if the 'Alternative Tourism Activities' extension has been purchased; the first €120 is always borne by the insured.
Section: Tutte le coperture > Sport (estensione) > Ricerca e salvataggio
Ricerca e salvataggio In caso di infortunio, perdita o smarrimento dell'assicurato all'interno di una stazione sciistica o nel luogo previsto per la pratica di turismo alternativo, sono coperte le spese per le operazioni di ricerca effettuate dagli organismi pubblici o privati di soccorso, fino al limite previsto dalle Condizioni particolari della Polizza. I primi 120 € sono in ogni caso a carico dell'assicurato. € 15.000
COVID-19 diagnostic test costs
Not established from the insurer's documents
The current Totaltravel Premium policy information document no longer lists a specific COVID-19 diagnostic-test or quarantine benefit; any COVID-19 related medical treatment would fall under the general medical and health care guarantee rather than a separate capped benefit.
Section: Che cosa è assicurato?
Assistenza medica e sanitaria... Spese odontoiatriche urgenti... Attività di turismo alternativo coperte.
Pre-existing conditions
Not established from the insurer's documents
Chronic, pre-existing or congenital conditions and their consequences occurring before the policy took effect are generally excluded. In a life-threatening emergency caused by an unforeseeable complication of such a condition, only the first 24 hours of urgent hospital care after admission are covered.
Section: Garanzie coperte > ESCLUSIONI APPLICABILI ALLE GARANZIE DI ASSISTENZA > ASSISTENZA PERSONE
Salvo quanto indicato nelle garanzie di assistenza di queste Condizioni generali, i fatti, disturbi e malattie croniche, preesistenti o congenite, nonché le loro conseguenze sofferte dall’ASSICURATO prima dell’entrata in vigore della polizza...
Winter sports cover
Not established from the insurer's documents
Winter/snow sports are not among the 'Alternative Tourism Activities' covered by this Premium policy's own extension; dedicated cover for skiing and other winter sports is offered separately under Intermundial's Totalsports/Wintersports products.
Alternative tourism / adventure activities cover
Not established from the insurer's documents
Covers incidents during non-adventure 'Alternative Tourism' activities (e.g. running, kayaking, trekking, snorkelling, cycling, hot-air ballooning) when the corresponding paid extension is purchased. Activities above 5,000 metres altitude, air sports (except those listed) and diving below 30 metres are excluded.
Section: Condizioni particolari > Estensioni attività di turismo alternativo coperte
Sono espressamente escluse le attività svolte ad altezze superiori a 5.000 metri, tutti gli sport aerei (eccetto quelli sopra indicati), nonché le attività sottomarine con immersioni a una profondità superiore a 30 metri.
Pregnancy complications
Not established from the insurer's documents
Pregnancy and childbirth are excluded, except for unforeseeable complications occurring within the first 24 weeks of gestation, which are covered under the general medical guarantee; complications and births from the seventh month of gestation onward are not covered.
Section: Garanzie coperte > ESCLUSIONI APPLICABILI ALLE GARANZIE DI ASSISTENZA > ASSISTENZA PERSONE
Gravidanze e parti, salvo complicanze imprevedibili nelle prime 24 settimane di gestazione.
Private civil liability
Not established from the insurer's documents
Up to €250,000 for monetary compensation the insured must pay as civil liability for bodily injury or material damage involuntarily caused to third parties, their animals or possessions, including court costs and judicial bonds.
Section: Garanzie coperte > 6) GARANZIE DI RESPONSABILITÀ CIVILE > 6.1. RESPONSABILITÀ CIVILE PRIVATA
L’ASSICURATORE si fa carico, fino al limite stabilito nelle Condizioni particolari della Polizza, dei risarcimenti pecuniari i quali... possano essere eventualmente richiesti all’ASSICURATO...
Advance of bail required abroad
Not established from the insurer's documents
Up to €3,000 advanced if the insured is imprisoned or prosecuted following a traffic accident abroad, against a guarantee of repayment; amounts advanced must be repaid within 30 days.
Section: Garanzie coperte > 1.2. ASSISTENZA LEGALE > 1.2.2. ANTICIPO DELL’IMPORTO DELLA CAUZIONE PENALE RICHIESTA ALL’ESTERO
Se l’ASSICURATO è stato incarcerato o processato a causa di un incidente stradale occorso all’estero, l’ASSICURATORE gli concederà un anticipo pari all’importo della cauzione penale richiesta dalle autorità corrispondenti...
24/7 emergency assistance helpline
Not established from the insurer's documents
A dedicated emergency telephone line (+39 0282954961) must be used by the insured to request assistance at any time; only calls made to this number are reimbursed.
Section: Fornitura dei servizi
Il numero di telefono per il contatto con l'assicuratore è il +39 0282954961. L'Assicuratore rimborserà solo le chiamate effettuate al numero di assistenza +39 0282954961...
Key conditions
Assistance call deadline
The insured must immediately call the insurer's emergency helpline before receiving assistance; in the event of hospitalisation, the insurer must be notified within 24 hours of admission, otherwise unjustified or avoidable expenses incurred after that window are excluded.
Unauthorized treatment
Medical or transport services that the insured unilaterally decides to request and receive, without the insurer's prior knowledge or authorisation, are not covered, except in duly justified cases of emergency or force majeure.
Purchase while abroad
If the policy is purchased after the trip has already started, a 72-hour waiting period applies from the date of purchase before cover becomes effective, and cover for theft of the insured luggage does not apply.
Chronic conditions
Chronic, pre-existing or congenital conditions and their consequences occurring before the policy took effect are excluded, except under Annual Multi-Trip policies (where only what occurred before the start of the specific trip is excluded); in life-threatening emergencies caused by unforeseeable complications of such conditions, only the first 24 hours of urgent hospital care are covered.
Pregnancy
Pregnancy and childbirth are excluded, except for unforeseeable complications occurring within the first 24 weeks of gestation; complications and births from the seventh month of pregnancy onwards are not covered.
Pre-existing condition exclusions
A pre-existing or chronic condition is any pathology whose symptoms began before the policy was taken out, even without a definitive diagnosis; such conditions are excluded from cover except for a 24-hour first-aid provision in life-threatening emergencies.
Coverage duration limit
Cover is valid for single trips of up to 90 consecutive days departing from Italy, including river and sea cruises.
Direct payment
In emergencies, the insurer's medical team coordinates care and, where possible, settles costs directly with healthcare providers; if direct intervention is not possible (e.g. due to force majeure or local administrative circumstances), the insured is reimbursed for guaranteed expenses upon presentation of original receipts after returning to Italy or reaching a suitable country.
Territorial scope
Valid within the territorial scope stated in the Particular Conditions: Local (trips within Italy, including San Marino and the Vatican), Continental (trips within Europe, including Russia up to the Urals and select Mediterranean countries such as Algeria, Cyprus, Egypt, Israel, Lebanon, Libya, Morocco, Palestine, Syria, Tunisia, Turkey and Jordan), or Worldwide (departure and/or destination outside the continent of residence), for single trips up to 90 consecutive days.
Documents
Totaltravel Premium – General Terms and Conditions (opens in a new tab)
Terms & conditions · PDF
Totaltravel Premium – Insurance Product Information Document (DIP) (opens in a new tab)
Product information sheet · PDF
Totaltravel Premium – Summary of guarantees and maximum indemnity limits (opens in a new tab)
Table of benefits · PDF
Totalsports – Additional sports activity extension (IPID) (opens in a new tab)
Other document · PDF
Policy specifics
Trip cancellation coverage
Optional extension available for Totaltravel covering up to 44 causes in Premium version; Mini version has limited or optional cancellation coverage
SourceSection: Domande Frequenti > L'assicurazione annullamento viaggio copre qualsiasi motivo di cancellazione?
L'estensione di annullamento viaggio Totaltravel copre fino a 44 cause nella modalità Premium, comprese motivi di salute, lavoro e familiari.
Baggage loss and delay coverage
Not available in Mini version; Standard and Premium versions include coverage for lost, stolen or damaged baggage up to 1500€
SourceSection: Coperture dell'assicurazione di viaggio internazionale Totaltravel > Assicurazione bagagli
L'assicurazione bagagli di Totaltravel rimborsa fino a 1.500€ in caso di smarrimento, furto o danni, restituisce il costo degli acquisti di prima necessità e ti aiuta a localizzare la valigia. Copertura non disponibile nella modalità mini.
Sports and adventure activities coverage
Totaltravel covers over 100 sports activities including low-risk sports by default; optional extension available for high-risk sports
SourceMedical coverage activation
Most medical guarantees activate at 00:00 on departure date; cancellation coverage activates 24 hours after policy purchase
SourcePreexisting conditions exclusion
Not established from the insurer's documents
Chronic, preexisting or congenital conditions and their consequences occurring before policy activation are generally excluded, except for annual multi-trip policies where exclusion applies only before trip start date
SourceThird-party source, not the insurer's documentClause hPage 30Section: Garanzie coperte > ESCLUSIONI APPLICABILI ALLE GARANZIE DI ASSISTENZA > ASSISTENZA PERSONE
Salvo quanto indicato nelle garanzie di assistenza di queste Condizioni generali, i fatti, disturbi e malattie croniche, preesistenti o congenite... ECCETTO per le assicurazioni con Modalità Annuale Multi-viaggio, per le quali si intenderà escluso quanto avvenuto prima della data di inizio del viaggio.
Manual labor and physically demanding work exclusion
Not established from the insurer's documents
Diseases and accidents occurring during manual labor or work requiring intensive physical effort are excluded from coverage
SourceThird-party source, not the insurer's documentClause iPage 30Section: Garanzie coperte > ESCLUSIONI APPLICABILI ALLE GARANZIE DI ASSISTENZA > ASSISTENZA PERSONE
Le malattie e incidenti occorsi durante l’esercizio di una professione di carattere manuale o che richiedano uno sforzo fisico intenso.
24/7 telemedicine video consultation
Totaltravel includes free 24/7 telemedicine video consultation service available through the Intermundial mobile app
SourceSection: Coperture dell'assicurazione di viaggio internazionale Totaltravel > Assistenza 24/7
Se durante il viaggio subisci un infortunio o un malore, puoi richiedere assistenza tramite videoconsulto diretto con un medico dal tuo cellulare, nella tua lingua, senza costi, spostamenti o attese.
Sources
- img.gruppomol.ithttps://img.gruppomol.it/cercassicurazioni/documents/set-informativo-polizza-viaggio-singolo-intermundial-premium.pdf#page=1(opens in a new tab)
- img.gruppomol.ithttps://img.gruppomol.it/cercassicurazioni/documents/set-informativo-polizza-viaggio-singolo-intermundial-premium.pdf#page=23(opens in a new tab)
- img.gruppomol.ithttps://img.gruppomol.it/cercassicurazioni/documents/set-informativo-polizza-viaggio-singolo-intermundial-premium.pdf#page=25(opens in a new tab)
- img.gruppomol.ithttps://img.gruppomol.it/cercassicurazioni/documents/set-informativo-polizza-viaggio-singolo-intermundial-premium.pdf#page=26(opens in a new tab)
- img.gruppomol.ithttps://img.gruppomol.it/cercassicurazioni/documents/set-informativo-polizza-viaggio-singolo-intermundial-premium.pdf#page=30(opens in a new tab)
- img.gruppomol.ithttps://img.gruppomol.it/cercassicurazioni/documents/set-informativo-polizza-viaggio-singolo-intermundial-premium.pdf#page=4(opens in a new tab)
- img.gruppomol.ithttps://img.gruppomol.it/cercassicurazioni/documents/set-informativo-polizza-viaggio-singolo-intermundial-premium.pdf#page=44(opens in a new tab)
- img.gruppomol.ithttps://img.gruppomol.it/cercassicurazioni/documents/set-informativo-polizza-viaggio-singolo-intermundial-premium.pdf#page=7(opens in a new tab)
- intermundial.ithttps://www.intermundial.it/assicurazioni-di-viaggio/assicurazione-totaltravel(opens in a new tab)
Intermundial Travel insurance