Poste Vita S.p.A. (Gruppo Assicurativo Poste Vita, including Poste Assicura S.p.A.)
Poste Vivere Protetti
Poste Vivere Protetti is a travel insurance for the Italy market with online purchase and 24/7 assistance.
Direct payment
Poste Assicura pays medical/hospital costs directly to the provider for urgent, non-deferrable treatment, but only if the Assistance Centre (Poste Welfare Servizi) is contacted before treatment. If direct payment cannot be arranged, the insured can still be reimbursed provided the Assistance Centre was contacted during hospitalisation and authorised the reimbursement. No expense is reimbursed without prior contact with the Assistance Centre.
Geographic scope
Italy, San Marino and Vatican City (domestic option) or worldwide, depending on the selected variant
The 'Rimborso spese mediche Italia' option operates in Italy, San Marino and Vatican City; the 'Rimborso spese mediche Mondo' option is valid for the destination selected and stated in the policy, worldwide.
Unique selling points
- Under the worldwide ('Mondo') option, urgent medical and hospital costs are paid directly with no monetary ceiling, capped only by days of hospitalisation (50 in Europe/Australia, 120 elsewhere).
- Assistance is 'All Risks' and extends beyond the traveller to family members who stayed at home and to the insured's home in Italy, with a dedicated EUR 3,000 per-claim limit.
- Up to 4 people can be covered under a single policy.
- 24/7 teleconsultation service lets the medical team switch to video call and send an e-prescription directly to the nearest pharmacy.
- The optional trip-cancellation cover extends to life-saving surgery, hospitalisation, or death of the insured's dog or cat, not just human family members.
Coverage limits
Medical expenses reimbursement (direct payment)
Covered
Direct payment of urgent, non-deferrable medical/hospital expenses incurred during the trip, provided the Assistance Centre (Poste Welfare Servizi) was contacted beforehand. Under 'Rimborso spese mediche Italia' the direct-payment limit is EUR 1,500. Under 'Rimborso spese mediche Mondo' Poste Assicura pays all actually incurred costs with no monetary limit, capped at 50 days of hospitalisation in Europe/Australia and 120 days in the rest of the world.
Section: Copertura Rimborso spese mediche Italia > Cosa prevede la copertura? > A. Rimborso spese mediche in Viaggio
Poste Assicura paga le spese fino a 1.500 euro.
Emergency doctor / ambulance dispatch
Covered
If a telephone consultation is not sufficient, the Assistance Centre (Poste Welfare Servizi) sends a general practitioner to the insured or arranges ambulance transfer to the nearest first-aid centre, at no cost to the insured. This service does not replace the official emergency services (118).
Section: Copertura Rimborso spese mediche Italia > B. Assistenza in Viaggio > Assistenza sanitaria in Viaggio > Invio di un medico o di un'ambulanza in caso di urgenza
Se dopo il consulto medico telefonico o la teleconsultazione, il servizio medico della Struttura Organizzativa ritiene necessaria e non rinviabile una visita medica per l'assicurato, invia sul posto un medico generico.
Hospitalisation costs (direct payment)
Covered
Hospital costs are covered under the same direct-payment benefit as medical expenses. Under 'Italia' the limit is EUR 1,500. Under 'Mondo' costs are paid in full with no monetary cap, but for a maximum of 50 days of hospitalisation in Europe/Australia and 120 days in the rest of the world.
Section: Copertura Rimborso spese mediche Italia > Cosa prevede la copertura? > A. Rimborso spese mediche in Viaggio
Poste Assicura paga le spese fino a 1.500 euro.
Outpatient visits, diagnostic tests and ambulatory care
€1,500
Under 'Rimborso spese mediche Mondo', medically prescribed visits, diagnostic tests and ambulatory/first-admission care (including day hospital) are reimbursed, even without prior authorisation, up to EUR 1,500. Under 'Rimborso spese mediche Italia' this type of care falls within the general EUR 1,500 direct-payment cap rather than being a separate line item.
Section: Copertura Rimborso spese mediche Mondo > Cosa prevede la copertura? > A. Rimborso spese mediche in viaggio
Visite mediche, se fatte a seguito di prescrizione medica, accertamenti diagnostici, cure ambulatoriali e/o di primo ricovero (compreso il day hospital). Poste Assicura rimborsa le spese fino a 1.500 euro.
Urgent dental treatment
€500
Reimbursed up to EUR 500. Under 'Italia', cover is limited to urgent dental treatment caused by an accident (Infortunio) during the trip, performed within 30 days of returning home. Under 'Mondo', urgent dental treatment occurring during the trip is covered generally, without the injury-only/30-day restriction.
Section: Copertura Rimborso spese mediche Mondo > Cosa prevede la copertura? > A. Rimborso spese mediche in viaggio
Cure odontoiatriche urgenti intervenute durante il Viaggio. Poste Assicura rimborsa le spese fino a 500 euro.
Transport to first-aid centre
€5,000
Under 'Mondo', transport from the place of the event to the first-aid/first-admission medical centre is reimbursed (even without prior authorisation) up to EUR 5,000. Under 'Italia', an equivalent transfer is provided as a free in-kind assistance service (ambulance dispatch organised by the Assistance Centre) without a separate stated monetary sub-limit.
Section: Copertura Rimborso spese mediche Mondo > Cosa prevede la copertura? > A. Rimborso spese mediche in viaggio
Trasporto dal luogo dell'evento al centro medico di pronto soccorso o di primo ricovero. Poste Assicura rimborsa le spese fino a 5.000 euro.
Medical repatriation / scheduled medical transport
unlimited
Under 'Mondo' the 'Rimpatrio sanitario' benefit is paid at the actual cost necessary, with no monetary ceiling; excluded are conditions that, in the judgement of the Assistance Centre's doctors, can be treated on the spot or do not prevent continuing the trip, and infectious diseases where transport would breach health regulations. Under 'Italia' an equivalent 'Trasferimento sanitario programmato' service is organised by the Assistance Centre using the means it deems most suitable, without a separately disclosed monetary cap.
Section: Copertura Rimborso spese mediche Mondo > B. Assistenza in Viaggio > Quali limiti sono previsti per l'Assistenza in Viaggio?
Il Limite di indennizzo è invece pari ai costi effettivi necessari per fornire l'Assistenza nei seguenti casi: Rimpatrio sanitario.
Repatriation of mortal remains
unlimited
Only in Rimborso spese mediche Mondo
Under 'Rimborso spese mediche Mondo', if the insured dies during the trip, the Assistance Centre organises repatriation of the body at the actual cost necessary, with no monetary ceiling. This benefit is not separately listed for the 'Rimborso spese mediche Italia' variant.
Section: Copertura Rimborso spese mediche Mondo > B. Assistenza in Viaggio > Quali limiti sono previsti per l'Assistenza in Viaggio?
Rientro della salma
Search and rescue costs
Excluded
Search costs for the insured at sea, on a lake, in the mountains or in the desert are excluded from the contract as a whole.
Section: Informazioni generali > Cosa è escluso dal contratto?
spese di ricerca dell'assicurato in mare, lago, montagna o deserto
Pandemic / COVID-19 related treatment
Excluded
Events deriving from a pandemic declared by the WHO of such severity and virulence as to cause high mortality, or to require restrictive measures to reduce transmission risk to the civilian population, are excluded from medical expense reimbursement.
Section: Copertura Rimborso spese mediche Italia > Cosa è escluso dalla copertura? > Rimborso spese mediche in viaggio
nei casi di pandemia (dichiarata dall'OMS) di gravità e virulenza tale da comportare una elevata mortalità
Pre-existing medical conditions
Excluded
The only affirmative exclusion found in the current terms states that the scheduled/emergency medical transport benefit under 'Assistenza sanitaria in Viaggio' (Italia) does not cover any expenses for pre-existing conditions. The general medical-expense reimbursement exclusion lists do not separately repeat this exclusion, so its scope beyond the transport benefit is not confirmed by the source text.
Section: Copertura Rimborso spese mediche Italia > B. Assistenza in Viaggio > Assistenza sanitaria in Viaggio > Trasferimento sanitario programmato
tutte le spese sostenute per malattie preesistenti
Winter sports cover
Excluded
Excluded from the whole contract: ski/water-ski jumping, use of sledges (guidoslitta), and aerial sports in general, among other events.
Section: Informazioni generali > Cosa è escluso dal contratto?
salti dal trampolino con sci o idroscì, uso di guidoslitta o pratica di sport aerei in genere
Adventure / extreme sports cover
Excluded
Excluded from the whole contract: motor racing (car, motorcycle, powerboat) and related trials/training, mountaineering with rock climbing or glacier access, boxing, wrestling, rugby, American football, diving, heavy athletics, ice hockey, any sport practised professionally or for remuneration, and extreme sports practised outside sporting organisations without required safety criteria.
Section: Informazioni generali > Cosa è escluso dal contratto?
gare automobilistiche, motociclistiche o motonautiche e relative prove ed allenamenti, alpinismo con scalata di rocce o accesso ai ghiacciai
Pregnancy complications
Conditional
Pregnancy-related illness arising during the trip is covered only up to the 26th week of gestation, subject to the general medical expense limits. Excluded in every case: natural childbirth or caesarean section, puerperium, pathological conditions from pregnancy beyond the 26th week, voluntary termination of pregnancy, and (under 'Mondo') assisted-reproduction complications.
Section: Copertura Rimborso spese mediche Italia > Cosa è escluso dalla copertura? > Rimborso spese mediche in viaggio
sinistri provocati o dipendenti da stati patologici dipendenti dalla gravidanza oltre la 26° settimana di gestazione e dal puerperio
Personal / third-party liability
Not established from the reviewed documents
The contract's list of always-active and optional covers (medical expenses, travel assistance, roadside assistance, baggage, trip cancellation) does not include a general third-party civil liability module, but no source document affirmatively states that such cover is excluded.
Section: Informazioni generali > Come si compone il contratto?
Il contraente può acquistare solo le coperture coerenti con le proprie richieste ed esigenze assicurative
Advance of legal-assistance costs / bail abroad
€5,000
Only in Rimborso spese mediche Mondo
Under 'Mondo', the Assistance Centre (Poste Welfare Servizi) can advance legal-assistance and bail costs abroad. These advances fall within a EUR 10,000 per-claim ceiling shared with several other listed assistance interventions, but the advances for legal costs/bail specifically are further capped at EUR 5,000 per claim and per policy. This is a repayable advance: it is only granted abroad once adequate bank guarantees of repayment are received in Italy, is not available in countries with no Poste Welfare Servizi branch or correspondent, and must be repaid within 30 days of disbursement.
Section: Copertura Rimborso spese mediche Mondo > B. Assistenza in Viaggio > Quali limiti sono previsti per l'Assistenza in Viaggio?
Gli anticipi spese/cauzione penale sono erogati esclusivamente all'estero fino a 5.000 euro per sinistro e per polizza
24/7 assistance service
unlimited
The Assistance Centre (Poste Welfare Servizi) can be reached by telephone 24 hours a day, every day of the year, with an unlimited number of interventions for the same claim, within the specific limit set for each type of intervention.
Section: Copertura Rimborso spese mediche Italia > B. Assistenza in Viaggio
attraverso la Struttura Organizzativa di Assistenza (d'ora in poi "Struttura Organizzativa") di Poste Welfare Servizi, attiva 24 ore su 24 tutti i giorni dell'anno
Key conditions
Assistance call deadline
The Assistance Centre (Poste Welfare Servizi) must be contacted and give prior authorisation before any assistance intervention is arranged; interventions not agreed in advance with the Assistance Centre are excluded from cover.
SourcePage 13/45Section: Copertura Rimborso spese mediche Italia > Cosa è escluso dalla copertura? > Assistenza in viaggio
Sono esclusi dall'Assistenza in viaggio tutti gli interventi che l'assicurato non ha concordato prima con la Struttura Organizzativa.
Unauthorized treatment
No medical expense is paid or reimbursed if the Assistance Centre was not contacted beforehand. If the insured refuses recommended medical transport/repatriation, Poste Assicura immediately suspends assistance and cover for further medical expenses from the day after the refusal.
SourcePage 13/45Section: Copertura Rimborso spese mediche Italia > Cosa è escluso dalla copertura? > Rimborso spese mediche in viaggio
se l'assicurato ha rifiutato il trasporto/rientro sanitario; in questo caso Poste Assicura sospende immediatamente l'assistenza e la copertura delle ulteriori spese mediche sostenute dal giorno dopo il rifiuto
Purchase while abroad
Only persons who reside (and, for the worldwide cover, are also domiciled) in Italy, San Marino or Vatican City with a travel itinerary can be insured. The policy must be taken out by the day before the trip starts (the optional Trip Cancellation cover must be taken out within 48 hours of booking), so it cannot be purchased after departure or by non-residents.
SourcePage 36/45Section: Copertura Rimborso spese mediche Mondo > Chi non si può assicurare?
Chi non risiede e non ha il domicilio in Italia, Repubblica di San Marino e Città del vaticano. Inoltre, non è possibile assicurare chi non ha un programma di viaggio.
Chronic conditions
The only affirmative exclusion of pre-existing conditions/chronic diseases found in the current terms applies to the scheduled medical transport benefit within Assistenza sanitaria in Viaggio (Italia): all expenses for pre-existing illness are excluded from that specific benefit.
SourcePage 9/45Section: Copertura Rimborso spese mediche Italia > B. Assistenza in Viaggio > Assistenza sanitaria in Viaggio > Trasferimento sanitario programmato
tutte le spese sostenute per malattie preesistenti
Pregnancy
Pregnancy-related conditions are covered only up to the 26th week of gestation. Natural childbirth, caesarean section, puerperium, voluntary termination of pregnancy and (under 'Mondo') assisted-reproduction complications are always excluded.
SourcePage 13/45Section: Copertura Rimborso spese mediche Italia > Cosa è escluso dalla copertura? > Rimborso spese mediche in viaggio
sinistri provocati o dipendenti da stati patologici dipendenti dalla gravidanza oltre la 26° settimana di gestazione e dal puerperio
Pre-existing condition exclusions
The current terms affirmatively exclude pre-existing conditions only from the scheduled medical transport benefit under 'Assistenza sanitaria in Viaggio' (Italia); this specific exclusion is not repeated in the general medical-expense reimbursement exclusion lists, so a product-wide exclusion is not confirmed by the source text.
SourcePage 9/45Section: Copertura Rimborso spese mediche Italia > B. Assistenza in Viaggio > Assistenza sanitaria in Viaggio > Trasferimento sanitario programmato
tutte le spese sostenute per malattie preesistenti
Coverage duration limit
The trip - and therefore the policy - can last a maximum of 100 consecutive days, with no automatic renewal. The 'Mondo' option requires a trip of more than 4 days; the 'Italia' option has no stated minimum other than the general rules. A minimum stay of 5 days applies if the destination is the USA, Canada, Venezuela, Sudan, Iraq, Colombia, Mexico, Iran, North Korea, Syria, or for cruises departing from the USA.
SourcePage 3/4Section: A chi è rivolto questo prodotto?
Per la copertura Italia, il prodotto è rivolto a chi deve svolgere un Viaggio di non oltre 100 giorni in Italia. Per la copertura Mondo, il prodotto è rivolto a chi deve svolgere un Viaggio per più di 4 giorni fino ad un massimo di 100 giorni nel Mondo.
Where to buy
Documents
Terms and Conditions - Poste Vivere Protetti Viaggi (Mod. 102.4 Ed. June 2025)
Terms & conditions
Additional Pre-contractual Information Document for Non-Life Products (DIP Aggiuntivo Danni, updated 2 February 2026)
IPID
Prior edition of the Terms and Conditions (Mod. 102 Ed. October 2019) - superseded by Mod. 102.4 Ed. Giugno 2025
Other document
Official product overview page
Other document
Policy specifics
Trip cancellation reimbursement
Optional coverage providing reimbursement of contractual penalties for trip cancellation or modification
SourceBaggage material damage coverage
Optional coverage for material damages to baggage caused by theft, robbery, fire, or carrier non-delivery
SourceRoadside assistance (Italia option only)
Optional roadside assistance coverage available only for the Italia variant of the policy, covering vehicle breakdowns and emergencies during travel
SourceRehabilitation and physiotherapy coverage
Coverage for rehabilitation and physiotherapy treatment following hospitalization due to injury or illness during travel
SourceOrganisational Structure pre-authorization requirement
Direct payment of medical expenses abroad is contingent upon contacting Poste Welfare Servizi (the Organisational Structure) before treatment; reimbursement mode applies if direct payment is not possible
SourcePre-existing medical conditions exclusion
Pre-existing medical conditions are explicitly excluded from all coverages; illness must first arise during the trip to be covered
SourcePregnancy-related exclusions
Claims arising from natural childbirth, caesarean section, pathological conditions beyond 26 weeks gestation, puerperium, voluntary termination of pregnancy, and assisted reproduction complications are excluded
SourceMaximum trip duration
Policy is valid for a maximum of 100 consecutive days of travel; contract has temporary duration coinciding with trip length and terminates automatically without renewal
SourceHigh-risk and extreme sports activities exclusion
Claims arising from motorsports competitions, mountaineering with rock climbing or glacier access, ski jumping, tobogganing, aerial sports, boxing, wrestling, rugby, American football, diving, heavy athletics, and professional sports are excluded
Source48-hour booking rule for trip cancellation coverage
Trip cancellation cover must be subscribed within 48 hours of travel booking to be valid
SourcePolicy must be purchased before departure
Only persons resident and domiciled in Italy, San Marino or Vatican City can purchase the policy. The policy must be taken out by the day before the trip starts
Source