Poste Vivere Protetti Viaggi
Poste Vivere Protetti Viaggi is a travel insurance for the IT market with no online purchase and 24/7 assistance.
Direct payment
Poste Assicura directly pays actual hospital and surgical costs abroad when the insured contacts the Organisational Structure (Poste Welfare Servizi) before treatment. If direct payment is not possible, reimbursement is available upon presentation of clinical and fiscal documentation, provided the Organisational Structure was contacted during hospitalisation and authorisation was obtained. No expense is reimbursed without prior contact with the Organisational Structure.
Geographic scope
IT
Copertura valida per la destinazione prescelta e indicata in polizza (Mondo); l'Assistenza ai familiari non in Viaggio è valida in Italia
Unique selling points
- Unlimited direct payment of actual hospital and surgical costs abroad with no monetary ceiling, when the Organisational Structure is contacted before treatment.
- All-Risks 24/7 travel assistance covering any fortuitous event during the trip – including legal assistance advance, credit card blocking, interpreter and clinical record translation – with a single 10,000 EUR per-claim limit for general interventions.
- Medical repatriation, repatriation of remains and return of the convalescing insured are covered at actual cost with no monetary cap.
- Post-trip diagnostic visits and medical assessments carried out within 30 days of return are reimbursed up to 500 EUR, an extension not typically included in entry-level travel policies.
- Modular structure allows flexible customisation: optional baggage (up to 1,500 EUR), sports baggage and trip cancellation (up to 10,000 EUR) covers can be added or removed before the trip.
Coverage limits
Medical expense reimbursement (World)
Covered
For urgent and non-deferrable surgical/hospital care received during the trip abroad, Poste Assicura pays the actual costs incurred without a monetary cap, provided the Organisational Structure was contacted before treatment (direct payment). Without prior authorisation, reimbursement is capped per sub-limit (outpatient up to 1,500 EUR; transport up to 5,000 EUR; dental/rehab/post-trip diagnostics each up to 500 EUR).
Emergency surgical/hospital care – direct payment (World)
Covered
Poste Assicura pays all actual costs for urgent and non-deferrable surgical/hospital care received during the trip at no monetary cap, subject to prior contact with the Organisational Structure. Coverage lasts until discharge or until the insured is fit to return home according to Poste Assicura's medical team. Maximum hospital stay: 50 days for Europe and Australia, 120 days for the rest of the world.
Hospitalisation – direct payment (World)
Covered
Hospital costs for urgent surgery or in-patient care abroad are paid at actual cost with no monetary cap via direct payment, provided the Organisational Structure is contacted first. For reimbursement without prior authorisation, outpatient/first-admission care is capped at 1,500 EUR.
Outpatient visits, diagnostics and first-aid care (World)
Covered
Reimbursement up to 1,500 EUR for outpatient medical visits (if medically prescribed), diagnostic tests, and first-aid/first-admission care (including day hospital), without prior Organisational Structure authorisation, upon presentation of clinical and fiscal documentation.
Emergency dental care (World)
Covered
Reimbursement up to 500 EUR for urgent dental treatment occurring during the trip, without prior Organisational Structure authorisation, upon presentation of clinical and fiscal documentation. Dental care is explicitly excluded from the Assistenza in Viaggio scope (World).
Transport to first emergency centre (World)
Covered
Reimbursement up to 5,000 EUR for transport from the place of the event to the nearest emergency or first-admission medical centre, without prior Organisational Structure authorisation, upon presentation of documentation.
Medical repatriation / sanitary evacuation (World)
Covered
Medical repatriation (rimpatrio sanitario) is covered at actual effective cost with no monetary cap, as part of the Assistenza in Viaggio (mondo) All-Risks service. The Organisational Structure must be contacted first. Excluded if the insured's condition can be treated on the spot or if the transfer violates national/international health regulations.
Repatriation of remains (World)
Covered
Repatriation of the insured's remains is covered at actual effective cost with no monetary cap, as part of the Assistenza in Viaggio (mondo) All-Risks service, subject to prior contact with the Organisational Structure.
Search and rescue
Excluded
Search and rescue costs (in sea, lake, mountain or desert) are explicitly excluded from all coverages under this policy.
COVID-19 / pandemic treatment
Excluded
Medical expenses and assistance related to a pandemic declared by the WHO, of a severity and virulence requiring restrictive measures to reduce civil transmission risk, are explicitly excluded from all coverages.
Pre-existing conditions
Excluded
All expenses relating to pre-existing medical conditions are excluded. For the sanitary transport sub-cover under Assistenza in Viaggio (Italia), all costs incurred for pre-existing conditions are also explicitly excluded.
Adventure / extreme sports cover
Excluded
Extreme sports practised outside recognised sporting organisations and without required safety criteria are excluded from all medical expense reimbursements and assistance. Air sports in general are also excluded.
Pregnancy complications
Excluded
Claims caused by or dependent on pathological conditions arising from pregnancy beyond the 26th week of gestation and from the puerperium are excluded. Natural childbirth, caesarean section, and voluntary termination of pregnancy are also excluded. Assisted reproduction and its complications are excluded from Assistenza in Viaggio (mondo).
Legal assistance advance abroad
Covered
Within the Assistenza in Viaggio (mondo) All-Risks service, Poste Assicura can advance legal assistance costs and penal bail abroad up to 5,000 EUR per claim per policy. The advance must be repaid by the insured within 30 days of disbursement and is only granted when adequate bank repayment guarantees are provided in Italy.
24/7 travel assistance (All-Risks, World)
Covered
Round-the-clock All-Risks assistance is provided by Poste Welfare Servizi for any fortuitous and unforeseeable event occurring during the trip, covering the insured, non-travelling family members and the insured's home. Assistance limit: 10,000 EUR per claim for requested interventions; repatriation, repatriation of remains and return of convalescing insured at actual cost. Assistance to non-travelling family members and home: 3,000 EUR per claim (Italy only).
Key conditions
Assistance call deadline
For direct payment of hospital/surgical expenses, the insured or their representative must contact the Organisational Structure (Poste Welfare Servizi, toll-free 800.55.40.84 or +39 011 74 17 180 from abroad) before or during hospitalisation. For reimbursement claims without prior authorisation, the claim must be filed within 30 days of return. For the Annullamento Viaggio optional cover, the Organisational Structure must be contacted within 24 hours of the cancellation event.
Unauthorized treatment
If the insured is hospitalised without prior contact with the Organisational Structure, no expense will be reimbursed. If the insured refuses medical transport/repatriation, Poste Assicura immediately suspends all assistance and coverage of further medical expenses from the day after the refusal. If the insured requests voluntary discharge against medical advice, expenses are also excluded.
Purchase while abroad
The policy can be purchased up to the day before the start of the trip. There is no provision for purchasing the policy while already abroad. The optional Annullamento Viaggio cover must be subscribed within 48 hours of booking the trip.
Chronic conditions
Chronic diseases are not explicitly addressed as a category, but pre-existing medical conditions are excluded from all coverages. The policy covers only illness (defined as a detectable alteration of the insured's health status not caused by accident) that first arises during the trip.
Pregnancy
Claims caused by or dependent on natural childbirth or caesarean section are excluded. Pathological conditions arising from pregnancy beyond the 26th week of gestation and from the puerperium are excluded. Voluntary termination of pregnancy is excluded. Assisted reproduction and its complications are excluded from Assistenza in Viaggio (mondo).
pre_existing_conditions
All medical expenses relating to pre-existing conditions (conditions that existed before the start of the trip) are excluded from reimbursement and from direct payment. For the sanitary transport sub-cover under Assistenza in Viaggio (Italia), pre-existing condition costs are explicitly excluded.
coverage_duration_limit
The contract has a temporary duration coinciding with the trip, with a maximum of 100 days, and terminates automatically at trip end without automatic renewal. For certain high-risk destinations (USA, Canada, Venezuela, Sudan, Iraq, Colombia, Mexico, Iran, North Korea, Syria, or cruises departing from the USA) a minimum trip duration of 5 days applies.
Where to buy
Policy specifics
Medical expense reimbursement - World
Coverage for urgent medical and hospital expenses incurred abroad during travel
24/7 Travel Assistance
Round-the-clock assistance service for unexpected situations due to injury or sudden illness during travel
Maximum trip duration
Coverage is valid for trips with a maximum duration before termination of contract
Baggage damage and theft coverage
Optional coverage for material damages to baggage caused by theft, robbery, fire, or carrier non-delivery
Trip cancellation coverage - optional
Optional additional coverage providing reimbursement of contractual penalties for trip cancellation or modification
Emergency dental care
Coverage for urgent dental treatment caused by injury during travel, performed within 30 days of return
Rehabilitation and physiotherapy coverage
Coverage for rehabilitation and physiotherapy treatment following hospitalization due to injury or illness during travel
Pre-authorization requirement for direct payment
Medical facility contact and authorization must be obtained before hospitalization for Poste Assicura to provide direct payment
Pre-existing conditions exclusion
Medical expenses related to pre-existing conditions are not covered
Cosmetic and aesthetic procedures exclusion
Medical costs for cosmetic, aesthetic, and congenital defect corrections are excluded
Professional sports injury exclusion
Injuries resulting from sports practiced professionally or with direct/indirect compensation are not covered
Pandemic and quarantine exclusion
Coverage excluded for pandemics (as declared by WHO) and quarantine measures during travel
Medical tourism exclusion
Coverage excluded if travel was undertaken specifically for medical or surgical treatments
Claim filing deadline
Insured must file claim within specified time period from return from travel
Automatic contract termination upon trip end
Insurance contract automatically terminates at the end of the trip without automatic renewal