Sara Assicurazioni Travel insurance (Viaggiare Libero)

Reimburses medical costs incurred after an accident or sudden illness during the trip: surgeon/anaesthetist fees, operating theatre rights, treatment, medicines and exams during hospitalisation, transport to the place of care (up to €250), on-site expenses (up to €250, €50 deductible on medicines/dental care) and follow-up specialist visits/hyperbaric therapy in Italy within 30 days of return (up to €250). €500,000 is the insurer's maximum aggregate exposure for this guarantee across all policies of the same insured for the same period; the actual per-policy sum insured is chosen at quote stage.

Urgent medical treatment during the trip is covered under Spese di Ricovero (hospitalisation and on-site treatment) and complemented by free Assistenza services (medical phone consultation, sending of a doctor, clinical liaison), all within the insurer's aggregate exposure cap of €500,000 for medical expenses.

Covers surgeon/assistant/anaesthetist fees, operating theatre rights, materials, treatment, medicines and exams during Ricovero (hospitalisation), within the policy's sum insured (up to the insurer's €500,000 aggregate exposure cap). ACI members receive a 10% increase of the sum insured and sub-limits.

Reimburses medicines purchased on-site on medical prescription and/or first-aid certificate, up to €250, subject to an absolute deductible of €50 per claim.

Dental care is covered only when it follows an Infortunio (accident); it falls within the €250 on-site expenses sub-limit and the €50 absolute deductible. Dental care not consequent to an accident is excluded.

Covers the cost of sending an ambulance to transfer the insured to the nearest medical facility, up to €5,000. Separately, transport costs from the place of the event to the place of hospitalisation are reimbursed under Spese di Ricovero up to €250.

Organises and pays the actual cost ("costi effettivi") of transferring the insured to a care facility near their residence, using a sanitary aircraft (from Europe only), scheduled flight (possibly on a stretcher), sleeper train or ambulance, with medical/nursing escort if needed. This is not stated as an unlimited benefit; it is subject to the Assistenza alla Persona guarantee's insurer aggregate exposure cap of €150,000 across all policies.

Organises and pays the actual transport cost of the deceased insured to the place of burial in their municipality of residence; recovery of the remains and funeral ceremony costs are excluded. If identification is needed, a round-trip travel document is provided to one family member. Subject to the Assistenza aggregate exposure cap of €150,000; the accompanying rientro of a family member/travel companion is separately capped at €5,000 per event.

Reimburses search, rescue and recovery costs organised by civil or military rescuers following the disappearance of the insured or an accident suffered by them: up to €550 in Italy and up to €1,300 abroad. Only costs invoiced by organisations authorised to rescue the insured are reimbursable.

Quarantine/pandemic events are generally excluded, but as a derogation the Company pays a one-off lump sum of €1,000 after discharge if the insured is hospitalised in intensive care during the trip due to a pandemic pathology. Excluded if the pandemic condition was already known/diagnosed or already present (even asymptomatic) at policy inception, or represents an occupational disease.

Any chronic or pre-existing medical condition that has already been the subject of consultation, examination, care or treatment, or that manifested or was contracted before the trip was booked, is excluded, together with its consequences, relapses or recurrences.

Extreme, off-piste or competitive winter sports are excluded: bob, extreme/acrobatic/off-piste skiing or ski-mountaineering, off-piste/acrobatic/extreme snowboarding, ski-jumping with skis or water-skis, skeleton (sled) and bobsleigh, plus related competitions, trials and training. Ordinary recreational on-piste skiing is not separately addressed in the sources.

Rafting/idrospeed, whitewater canoeing, kite-surf, snowkite, mountaineering or rock/ice climbing above the 3rd grade of the Monaco scale or performed solo, free-climbing, speleology, boxing, American football, rugby, wrestling, martial arts, heavy athletics, scuba diving with a regulator, bungee jumping, downhill and trial bike, plus any sport practised professionally or in competition, are excluded.

Illnesses dependent on pregnancy are covered only up to the 26th week of gestation, excluding the puerperium. Voluntary termination of pregnancy, assisted fertility treatments and infertility/impotence therapies are always excluded.

Indemnifies the insured for amounts they are legally liable to pay for unintentional death, personal injury or property damage caused to third parties in connection with the trip. The sum insured is €50,000 per insured (unique per claim, per person deceased/injured, for property damage, and for the policy period), subject to a €150 deductible per claim. The insurer's maximum aggregate exposure for this guarantee across all policies is €100,000.

Covers lawyer's fees (per the national bar tariff), technical consultant/expert fees, criminal-proceeding court costs, court fees and the unified contribution, up to a fixed sum insured of €1,000. Only one lawyer per level of proceedings is guaranteed. Valid for claims processable and enforceable in EU countries, Switzerland, Italy, Vatican City and San Marino; operative from 3 months after inception for most cases, immediately for extracontractual damage claims/criminal proceedings.