Compagnia Italiana di Previdenza, Assicurazioni e Riassicurazioni S.p.A. (Italiana Assicurazioni)
Italiana Assicurazioni
Italiana Assicurazioni is a travel insurance for the Italy market with online purchase and 24/7 assistance.
Direct payment
Italiana Assicurazioni's travel policies (e.g. Gulliver Pocket, Gulliver Viaggi) describe the medical expenses guarantee as 'Rimborso spese mediche' (reimbursement of medical expenses) rather than direct settlement with the healthcare provider. The policyholder must first contact the 24/7 Centrale Operativa to activate assistance benefits, but the medical cost guarantee itself is structured as reimbursement of urgent medical expenses incurred during the trip, following injury or sudden illness, rather than a direct payment to hospitals or clinics.
Geographic scope
Italy and abroad
Valid for travel in Italy and abroad
Unique selling points
- Offers two customizable packages, Persona and Patrimonio, each with two protection tiers (Silver and Gold), to tailor coverage to the traveler's needs.
- Purchasing both packages together comes at a more favorable combined price.
- Can be purchased quickly either in a physical agency or directly online with minimal effort.
- Even online purchases are backed by the support of an Italiana agent.
- Covers travel needs both within Italy and abroad under a single policy.
Coverage limits
Medical expenses reimbursement
Covered
Reimbursement of medical expenses in case of accident or sudden illness abroad, included in the Persona package; specific monetary limits are not disclosed on the source page.
Emergency medical treatment
No limit stated
Not specified separately from medical expenses reimbursement in the available sources.
Pre-existing conditions
Excluded
The policy does not cover consequences of pre-existing medical conditions (injuries/illnesses) prior to purchase.
Assistance services
Covered
The Persona package includes assistance services abroad such as interpreter support and medical referrals; the source does not confirm this operates on a 24/7 basis.
Key conditions
Assistance call deadline
Not specified in the available sources.
Unauthorized treatment
Not specified in the available sources.
Purchase while abroad
Not specified in the available sources.
Chronic conditions
Not specified in the available sources.
Pregnancy
Not specified in the available sources.
Pre-existing condition exclusions
The policy does not cover consequences of pre-existing medical conditions (injuries/illnesses) prior to purchase.
Coverage duration limit
Not specified in the available sources.
Where to buy
Policy specifics
Travel cancellation
Optional coverage for trip cancellation losses, available as an add-on to both Persona and Patrimonio packages
SourceMedical expenses reimbursement
Coverage for emergency medical expenses and assistance services in case of injury or sudden illness abroad, included in Persona package
SourcePermanent disability and death from accident
Optional coverage providing indemnity or annuity in case of permanent disability or death from accident, available as add-on to Persona package
SourceBaggage loss coverage
Indemnification for lost, stolen, or damaged baggage and valuable items, included in Patrimonio package
SourcePackage structure
Product offers two packages (Persona and Patrimonio), each with two protection levels (Silver and Gold), differentiated by indemnity amounts and pricing
SourceDeductibles and exclusions
Some guarantees include deductibles/exclusions in case of claim and performance limitations
SourceAssistance services
Both packages include 24/7 assistance services for travel emergencies, including interpreter services, medical referrals, and emergency support abroad
Source