Reale Mutua Travel insurance (Si Viaggiare Reale)
Underwritten by Reale Mutua · Italy
travel insurance from Reale Mutua for the Italy market, with online purchase and 24/7 assistance.
Verified Aug 31, 2026 · Terms dated 2019-01Sources
Key facts
- Reale Mutua
Unique selling points
Two selectable packages (Persona/Patrimonio), each available at Silver or Gold protection levels, with a lower combined price when both are purchased together.
Policy can be activated quickly online in a few clicks, in addition to purchase through an agent.
In-house Blue Assistance Operations Centre available 24/7, with direct payment of medical expenses for hospitalizations abroad of at least one overnight stay.
On-site interpreter dispatched abroad in case of arrest, hospitalization or theft, at no extra cost up to €500.
24/7 telephone veterinary consultation service for pets travelling with the insured.
Coverage limits
Medical expenses reimbursement
Covered
Reale Mutua pays, up to the sum insured indicated on the policy schedule, medical, pharmaceutical and hospital expenses made necessary by an accident or sudden illness during the trip, for urgent non-deferrable care. The exact sum insured is stated on the policy schedule and varies by Silver/Gold protection level.
Section: SEZIONE PERSONA > 2.2 RIMBORSO SPESE MEDICHE > 2.2.1 OGGETTO
Reale Mutua paga, fino alla concorrenza del massimale indicato nel modulo di polizza, le spese rese necessarie da infortunio o malattia improvvisa e riferite a prestazioni mediche, farmaceutiche e ospedaliere, che l'Assicurato dovesse sostenere per cure o interventi urgenti non procrastinabili ricevuti sul posto nel corso del viaggio.
Emergency medical treatment abroad
Covered
Urgent, non-deferrable medical treatment and interventions received on site during the trip are reimbursed up to the sum insured on the policy schedule; the amount varies by Silver/Gold protection level.
Section: SEZIONE PERSONA > 2.2 RIMBORSO SPESE MEDICHE > 2.2.1 OGGETTO
Reale Mutua paga, fino alla concorrenza del massimale indicato nel modulo di polizza, le spese rese necessarie da infortunio o malattia improvvisa e riferite a prestazioni mediche, farmaceutiche e ospedaliere, che l'Assicurato dovesse sostenere per cure o interventi urgenti non procrastinabili ricevuti sul posto nel corso del viaggio.
Hospitalization expenses
Covered
Hospital expenses arising from an accident or sudden illness during the trip are covered up to the sum insured on the policy schedule; the amount varies by Silver/Gold protection level. Direct payment for hospitalization abroad requires at least one overnight stay.
Section: SEZIONE PERSONA > 3.2 RIMBORSO SPESE MEDICHE > 3.2.1 COSA FARE IN CASO DI SINISTRO
In caso di sinistro verificatosi all'estero l'Assicurato potrà usufruire del pagamento diretto delle spese mediche solo per ricoveri con almeno un pernottamento.
Outpatient medical treatment
Covered
Outpatient medical and pharmaceutical expenses for urgent, non-deferrable care during the trip are reimbursed within the sum insured stated on the policy schedule, varying by Silver/Gold protection level. Physiotherapy and follow-up visits after returning home are excluded.
Section: SEZIONE PERSONA > 2.2 RIMBORSO SPESE MEDICHE > 2.2.2 ESCLUSIONI
derivanti da prestazioni fisioterapiche sia se eseguite durante il viaggio sia dopo il rientro dal viaggio, anche se conseguenti a malattia e/o infortunio verificatesi durante la validità della polizza;
Emergency dental care
€250
Urgent dental care required following a covered accident or illness during the trip is reimbursed up to €250, within the overall medical expenses sum insured. This limit is flat and does not vary by protection level.
Section: SEZIONE PERSONA > 2.2 RIMBORSO SPESE MEDICHE > 2.2.1 OGGETTO
le cure dentarie urgenti fino alla concorrenza di € 250.
Local medical transport (doctor/ambulance dispatch)
Covered
If a medical visit is requested outside the insured's municipality of residence at night, on the eve of a holiday, or on a holiday, the Operations Centre arranges a doctor or, if unavailable, organizes transfer to a healthcare facility by ambulance or other suitable vehicle. No monetary ceiling is stated for this organized service; costs of organization are borne by Reale Mutua.
Section: SEZIONE PERSONA > 2.1 ASSISTENZA PERSONA > 2.1.1 OGGETTO
Qualora l'Assicurato richieda una visita medica al di fuori del proprio Comune di residenza nei giorni feriali dalle ore 20 alle ore 8, nei prefestivi dalle ore 14 alle ore 24 e nei festivi 24 ore su 24, la Centrale Operativa, previa valutazione della necessità da parte dei propri medici provvede ad inviare un medico presso il luogo in cui si trova l'Assicurato.
Medical repatriation / evacuation (Rientro sanitario)
Covered
If, following illness or accident, the insured must be transferred to a healthcare facility near their residence suited to provide specific care, the Operations Centre organizes transport via air ambulance (Europe/Mediterranean only), scheduled flight, ambulance, sleeper train, or other suitable means, with medical/paramedical escort if necessary. No monetary ceiling is stated; costs are borne by Reale Mutua.
Section: SEZIONE PERSONA > 2.1 ASSISTENZA PERSONA > 2.1.1 OGGETTO
aereo sanitario appositamente equipaggiato (esclusivamente in Europa e nei Paesi del bacino del Mediterraneo); aereo di linea (classe economica, eventualmente barellato); autoambulanza; treno/vagone letto (prima classe); altri mezzi adatti alla circostanza
Repatriation of remains
Covered
If the insured dies during the trip, the Operations Centre organizes transport of the body to the place of burial after completing all formalities. The cost of formalities, a coffin suitable for transport, and the transport itself are borne by Reale Mutua, with no stated monetary ceiling. Costs of the search for the body, the funeral ceremony and burial remain with the family.
Section: SEZIONE PERSONA > 2.1 ASSISTENZA PERSONA > 2.1.1 OGGETTO
Il costo connesso al disbrigo delle formalità, quello per un feretro sufficiente per il trasporto del corpo ed il trasporto stesso sono a carico di Reale Mutua. Restano a carico dei familiari dell'Assicurato le spese di ricerca del corpo, quelle relative alla cerimonia funebre ed all'inumazione.
Search and rescue
No limit stated
No search-and-rescue guarantee for a living insured is described in the sources; the only related provision concerns recovery of the body of a deceased insured, which is a family expense, not an insurer-funded rescue service.
Section: SEZIONE PERSONA > 2.1 ASSISTENZA PERSONA > 2.1.1 OGGETTO
Restano a carico dei familiari dell'Assicurato le spese di ricerca del corpo, quelle relative alla cerimonia funebre ed all'inumazione.
COVID-19 treatment
No limit stated
The 2019 edition of the terms and conditions does not mention COVID-19 specifically in any of the provided sources.
Pre-existing conditions
Excluded
Reale Mutua does not reimburse medical expenses consequent to accidents occurring before departure, nor for alterations of health linked to pathological situations pre-existing the departure for the trip.
Section: SEZIONE PERSONA > 2.2 RIMBORSO SPESE MEDICHE > 2.2.2 ESCLUSIONI
conseguenti ad infortuni verificatasi precedentemente alla partenza del viaggio; per le alterazioni dello stato di salute ricollegabili a situazioni patologiche preesistenti alla partenza per il viaggio;
Winter sports cover
Covered
Recreational winter sports are not listed among the excluded activities; only air sports, professional/competitive sports, and exceptional undertakings (including extreme skiing) are excluded from the Persona section guarantees.
Section: SEZIONE PERSONA > 2.1 ASSISTENZA PERSONA > 2.1.2 ESCLUSIONI
imprese di carattere eccezionale (a titolo esemplificativo: spedizioni esplorative od artiche, himalayane, andine, regate oceaniche, sci estremo);
Adventure/extreme sports cover
Excluded
Reale Mutua does not indemnify accidents arising from air sports in general, professionally practiced sports, motor vehicle/boat racing, or exceptional undertakings such as exploratory or arctic/Himalayan/Andean expeditions, ocean regattas, and extreme skiing.
Section: SEZIONE PERSONA > 2.3 INFORTUNI > 2.3.3 ESCLUSIONI > 2.3.3.1 INFORTUNI NON INDENNIZZABILI
dalla pratica di sport aerei in genere; dalla partecipazione a gare (e relative prove) con veicoli o natanti a motore; dalla pratica a titolo professionistico di sport in genere; dalla pratica di sport a livello agonistico;
Pregnancy complications
Excluded
Reale Mutua does not reimburse expenses for illnesses of pregnancy or hospitalizations for childbirth and puerperium. Separately, the Assistenza Persona services exclude complications of pregnancy beyond the 26th week.
Section: SEZIONE PERSONA > 2.2 RIMBORSO SPESE MEDICHE > 2.2.2 ESCLUSIONI
per le malattie della gravidanza e i ricoveri per parto e puerperio;
Personal liability
No limit stated
No personal liability (RC) guarantee is described for SìViaggiare Reale in either the Persona or Patrimonio sections of the terms and conditions.
Legal assistance advance
€520
If the insured needs legal assistance abroad, the Operations Centre advances a lawyer's fee up to €520. This is an interest-free advance that the insured must repay to the Operations Centre within 20 days of the request for restitution, providing adequate guarantees.
Section: SEZIONE PERSONA > 2.1 ASSISTENZA PERSONA > 2.1.1 OGGETTO
La Centrale Operativa, qualora l'Assicurato necessiti di assistenza legale, anticipa l'onorario di un legale fino ad un massimo di € 520.
24/7 operations centre assistance
Covered
Blue Assistance's Operations Centre is reachable 24 hours a day, every day of the year, by phone (toll-free from Italy, dedicated number from abroad) or email, providing medical consultations, information, and the assistance services listed in the policy.
Section: SEZIONE PERSONA > 3 GESTIONE DEL SINISTRO > 3.1 ASSISTENZA PERSONA > 3.1.1 OBBLIGHI DELL'ASSICURATO
l'Assicurato deve contattare la Centrale Operativa, funzionante 24 ore su 24, tutti i giorni dell'anno, attivabile con le seguenti modalità:
Key conditions
Assistance call deadline
The insured must contact the Operations Centre (available 24/7) to activate assistance services and provide personal details, policy number and description of the need requested; if the Operations Centre is not contacted, Reale Mutua does not indemnify services not directly arranged by it.
Unauthorized treatment
For medical expense claims, immediate telephone contact with the Operations Centre is required to request direct payment; if the Assicurato pays personally without contacting it first, only the reimbursement procedure (a documented claim submitted as soon as possible) applies, and direct payment abroad is limited to hospitalizations of at least one overnight stay.
SourceClause BPage 20Section: SEZIONE PERSONA > 3.2 RIMBORSO SPESE MEDICHE > 3.2.1 COSA FARE IN CASO DI SINISTRO
Qualora l'Assicurato provveda personalmente al pagamento delle spese deve trasmettere denuncia, con avviso scritto, all'Agenzia alla quale è assegnata la polizza o a Blue Assistance nel più breve tempo possibile.
Purchase while abroad
None of the sources address whether the policy can be purchased while the insured is already abroad or travelling.
Chronic conditions
Alterations of health linked to pathological situations pre-existing the departure for the trip are excluded from medical expenses reimbursement, which in practice excludes chronic conditions known before the trip.
Pregnancy
Pregnancy illnesses and hospitalizations for childbirth/puerperium are excluded from medical expenses reimbursement; assistance services under the Persona section exclude complications of pregnancy beyond the 26th week.
Pre-existing condition exclusions
Medical expenses reimbursement excludes accidents occurring before departure and health alterations linked to conditions pre-existing the trip; separately, persons affected by alcoholism, drug addiction, AIDS and related syndromes are not insurable under the Persona section.
Coverage duration limit
Cover runs from and to the dates on the policy schedule; if the return trip cannot be completed due to documented force majeure (strikes, natural disasters, war/terrorism), cover is extended up to 3 days beyond expiry, or up to 14 days if the delay is due to a public authority order preventing the return, provided it is not attributable to the insured.
Direct payment
Direct payment of medical expenses abroad is available only if the Operations Centre (Blue Assistance) is contacted immediately and, for events abroad, only for hospitalizations with at least one overnight stay; otherwise expenses are reimbursed within 30 days of receiving justified documentation. An advance of up to 60% of the insured sum (max €50,000) can be granted if the treatment estimate is at least €10,000 and there is no dispute over indemnifiability.
Territorial scope
The insurance is valid for the destination chosen and identified on the policy schedule (Italy/Europe/Worldwide), subject to what is regulated in the individual guarantees
Documents
Policy specifics
Medical expenses reimbursement while traveling
Coverage for medical and dental expenses incurred during travel in case of accident or illness, reimbursed on location
SourceTi rimborsa le spese mediche sostenute sul posto, incluse quelle dentistiche, in caso di infortunio o di una malattia improvvisa durante il viaggio.
Trip cancellation
Reimbursement of penalties, registration fees and deposits when canceling a trip
SourceNon puoi più partire? Ti rimborsa la penale prevista dal tuo tour operator, l’eventuale tassa di iscrizione e le caparre che hai versato all’albergo o all’agenzia viaggi.
Baggage loss and damage coverage
Indemnity for lost, damaged, or stolen baggage; includes coverage for personal documents replacement
SourceTi garantisce un indennizzo in caso di furto, perdita, mancata consegna o danni ai tuoi bagagli; ti rimborsa le spese per rifare i documenti smarriti e per acquistare indumenti di prima necessità.
Medical assistance services abroad
24/7 assistance including medical consultation, provision of medicines, interpreter assistance, early repatriation, veterinary consultation
SourceCopre i servizi di assistenza in caso di difficoltà sanitarie durante il tuo viaggio, in Italia e all’estero: dalla consulenza di un medico (o di un veterinario) all’invio di medicinali, dal rientro anticipato alla necessità di un interprete, e molto altro.
Prosthetic devices, interpreter cost and HIV-contagion lump sum
Purchase and fitting of orthopedic/prosthetic devices abroad is covered up to €550; an interpreter dispatched abroad (e.g. after arrest, hospitalization, or theft) is covered up to €500 per claim; a lump-sum indemnity of €10,000 is paid for HIV contagion caused by blood transfusions made necessary by a covered accident
SourceClause 2.2.1Page 16Section: SEZIONE PERSONA > 2.2 RIMBORSO SPESE MEDICHE > 2.2.1 OGGETTO
Reale Mutua paga inoltre, nell'ambito del massimale indicato sul modulo di polizza, le spese per l'acquisto e l'applicazione in loco di apparecchi ortopedici e/o protesici resi necessari a seguito di sinistro rientrante in garanzia fino alla concorrenza di € 550
Pre-existing conditions exclusion
Policy does not cover consequences of pathological situations (injuries or illnesses) that existed before departure for the trip
SourceClause 2.2.2Page 16Section: SEZIONE PERSONA > 2.2 RIMBORSO SPESE MEDICHE > 2.2.2 ESCLUSIONI
conseguenti ad infortuni verificatasi precedentemente alla partenza del viaggio; per le alterazioni dello stato di salute ricollegabili a situazioni patologiche preesistenti alla partenza per il viaggio;
Deductibles and coverage limits
Some guarantees provide for deductibles or co-payments in case of loss and limitations/exclusions of benefits
SourceAlcune garanzie prevedono franchigie o scoperti in caso di sinistro e limitazioni/esclusioni della prestazione.
Two package structure
Policy offers two distinct packages: 'Persona' (personal assistance and medical reimbursement) and 'Patrimonio' (baggage and asset protection)
SourceSection: Due formule pensate per te
Abbiamo studiato per te 2 formule e 2 livelli di protezione: scegli la combinazione che fa a al caso tuo e parti leggero.
Sources
- realemutua.ithttps://www.realemutua.it/veicoli-e-viaggi/assicurazione-viaggio/si-viaggiare-reale(opens in a new tab)
- realestagno.ithttps://www.realestagno.it/wp-content/uploads/2025/09/CGA_SiViaggiare-5006-ASS_Ed.-2019.01.pdf#page=13(opens in a new tab)
- realestagno.ithttps://www.realestagno.it/wp-content/uploads/2025/09/CGA_SiViaggiare-5006-ASS_Ed.-2019.01.pdf#page=14(opens in a new tab)
- realestagno.ithttps://www.realestagno.it/wp-content/uploads/2025/09/CGA_SiViaggiare-5006-ASS_Ed.-2019.01.pdf#page=15(opens in a new tab)
- realestagno.ithttps://www.realestagno.it/wp-content/uploads/2025/09/CGA_SiViaggiare-5006-ASS_Ed.-2019.01.pdf#page=17(opens in a new tab)
- realestagno.ithttps://www.realestagno.it/wp-content/uploads/2025/09/CGA_SiViaggiare-5006-ASS_Ed.-2019.01.pdf#page=20(opens in a new tab)