Nobis Compagnia di Assicurazioni S.p.A.
Nobis Assicurazioni
Nobis Assicurazioni is a travel insurance for the Italy market with no online purchase and 24/7 assistance.
Direct payment
The policy provides both direct settlement and reimbursement depending on the facility used. Assistance is described as 'direct/in convention': the contract provides for services rendered directly to the Insured by bodies/facilities affiliated with the Insurer (a network of convention-based hospitals/clinics). If the Insured chooses hospital facilities or doctors not part of the Insurer's affiliated network, Nobis' maximum outlay cannot exceed the amount stated in the policy, implying reimbursement up to that limit rather than full direct payment. Medical expense claims otherwise require the Insured to notify the Operations Centre of any hospitalization and submit medical certificates, hospital records, and proof of payment for reimbursement.
Geographic scope
Selectable at activation: Italy, Europe, Worldwide, or Worldwide including USA and Canada
Coverage applies to trips in Italy or abroad, within the geographic area chosen at policy activation, valid for the entire annual period
Unique selling points
- A single annual activation covers unlimited trips throughout the year, each up to 30 days, eliminating the need to buy a new policy for every departure.
- Includes an exclusive Pet Care service reimbursing urgent veterinary expenses for dogs and cats travelling with their owner.
- Backed by a 24/7 operations center that handles over 30,000 assistance cases per year and answers in under 5 rings.
- Flexible geographic scope selectable at activation among Italy, Europe, World, or World plus USA and Canada.
- Simplified management with no automatic renewal and reduced paperwork before departure.
Coverage limits
Medical expenses
Covered
No limit stated
Includes broad health coverage reimbursing medical expenses incurred abroad for urgent treatment, procedures, or unforeseen hospital admission; no specific monetary limit is disclosed in the available marketing sources.
Emergency medical treatment
No limit stated
Not separately detailed with a coverage limit in the available marketing sources beyond the general medical expenses reimbursement.
Hospitalization
Covered
No limit stated
Reimbursement of expenses for unforeseen hospital admissions abroad is included within the general health coverage; no specific monetary limit is disclosed.
Outpatient treatment
No limit stated
Not specifically addressed in the available marketing sources.
Emergency dental care
No limit stated
Not mentioned in the available marketing sources for this product.
Medical evacuation
No limit stated
Not specifically detailed in the available marketing sources.
Repatriation of remains
No limit stated
Not mentioned in the available marketing sources for this product.
Search and rescue
No limit stated
Not mentioned in the available marketing sources for this product.
COVID-19 treatment
No limit stated
Not mentioned in the available marketing sources for this product.
Pre-existing conditions
No limit stated
Not addressed in the available marketing sources for this product.
Winter sports cover
No limit stated
Not mentioned in the available marketing sources for this product.
Adventure sports cover
No limit stated
Not mentioned in the available marketing sources for this product.
Pregnancy complications
No limit stated
Not mentioned in the available marketing sources for this product.
Personal liability
Covered
Nobis Travel includes a Personal Liability (Responsabilità Civile) guarantee among its customizable coverages, alongside Medical Expenses, Personal Assistance, Baggage, Trip Repetition, Legal Protection and Cancellation. The Insurer indemnifies the Insured up to the limits stated in the policy schedule for amounts the Insured is required to pay as compensation to third parties (capital, interest, expenses) for damage unintentionally caused during the trip, including death, personal injury and damage to property/animals; the actual liability limit is not fixed in the general terms but is set per the individual policy schedule chosen by the policyholder.
Legal assistance
No limit stated
Not mentioned in the available marketing sources for this specific product.
24/7 assistance
Covered
A 24-hour operations center provides immediate assistance in emergencies, including abroad, handling over 30,000 assistance cases per year with a response in under 5 rings.
Key conditions
Assistance call deadline
In caso di sinistro è necessario contattare immediatamente la Centrale Operativa (numero verde 800.894123 dall'Italia, +39/039-9890.702 dall'estero) e tutti i sinistri devono essere denunciati entro 5 giorni dalla data di accadimento, anche tramite Denuncia On-Line sul sito nobis.it
Coverage duration limit
Each trip covered under the single annual activation must not exceed 30 consecutive days.
Policy specifics
Pet Care coverage for animals
Covers urgent veterinary expenses for dogs and cats during travel in case of illness or injury
SourceBaggage delay coverage (over 12 hours)
Reimburses essential items (clothing, toiletries) if luggage is delivered more than 12 hours after arrival
SourceGeographic coverage area selection at activation
Coverage area must be selected at policy activation: Italy, Europe, World, or World+USA/Canada; remains valid for entire annual policy period
SourceAnnual multi-trip coverage structure
Single annual policy covers unlimited trips up to 30 days each; resets on calendar year
SourceItaly as departure or destination requirement
Policy requires at least departure from or destination in Italy for coverage to apply
Source