IMA Italia Assistance S.p.A. (TravelEasy.it brand)
TravelEasy
TravelEasy is a travel insurance for the Italy market with online purchase and 24/7 assistance.
Direct payment
TravelEasy guarantees direct payment of hospital and surgical expenses through its 24/7 operations centre and a network of affiliated medical facilities; if the insured cannot obtain prior authorization, they must pay directly and request reimbursement afterwards, subject to policy sub-limits and the standard deductible.
Geographic scope
Worldwide, with sub-limits varying by destination zone (Italy, Europe, World excluding USA/Canada, entire World)
Valid in the country or group of countries where the trip takes place as indicated on the Insurance Certificate; for air/rail/coach/ship travel, cover runs from the departure station to the arrival station; for car travel, cover applies beyond 50 km from the place of residence.
Unique selling points
- Markets unlimited maximums for pharmaceutical and hospital expenses abroad, positioned above typical market minimums.
- Guarantees direct payment of surgical and hospital costs so the insured does not need to advance money abroad.
- Provides a dedicated Italian-language assistance centre available 24 hours a day for the entire duration of the trip.
- Backed by IMA Italia Assistance, part of the Inter Mutuelles Assistance group, a leader in travel assistance for over 30 years.
- Fully digital purchase flow: get a quote, choose the coverage level and receive the policy documents by email within minutes.
Coverage limits
Medical and pharmaceutical expenses
€1,000 – €2,000
Reimbursement of costs for medical visits, ambulatory/first-aid care, day hospital and prescribed pharmaceutical products incurred during the trip, within a sublimit of €1,000 (Base) to €2,000 (Top) per insured per insurance period, inside the overall medical guarantee.
24/7 telephone medical consultation
unlimited
Unlimited telephone medical assistance service to provide information and advice in case of illness or injury while travelling; it does not constitute a diagnosis and is available in all tiers.
Hospital and surgical expenses (worldwide)
€2,500,000 – €10,000,000
Direct payment of hospital and surgical expenses for non-postponable treatment abroad, capped at €2,500,000 (Base) to €10,000,000 (Top) worldwide per insured/period, with lower sub-limits for Europe (€750,000-€2,500,000), Italy (€25,000-€100,000) and World excl. USA/Canada (€1,500,000-€7,000,000); a €200,000 sub-limit applies for insureds over 70; cover operates for a maximum of 100 consecutive days of hospitalization.
Ambulatory / outpatient care
€1,000 – €2,000
Ambulatory and day-hospital care is reimbursed within the same €1,000 (Base) to €2,000 (Top) sublimit as medical and pharmaceutical expenses.
Urgent dental expenses
€150 – €500
Reimbursement of urgent dental treatment costs incurred during the trip and not postponable until return, from €150 (Base) up to €500 (Top) per insured per period.
Medical transport to nearest suitable facility
€3,000 – €5,000
Organized medical transport from the place of the event to the nearest facility able to provide care, capped at €3,000 (Base/Media) to €5,000 (Top); subsequent transport from that facility to a better-equipped medical centre is unlimited for all tiers.
Health repatriation of the insured
unlimited
Unlimited organized repatriation of the insured to their place of residence or to a suitably equipped hospital in Italy, when required due to injury or illness that cannot be treated on-site.
Repatriation of mortal remains
unlimited
Unlimited organized transport of the insured's remains from the place of death to the place of residence; funeral expenses and search/recovery of the body are excluded.
Search for missing/lost persons
€1,500
Search and rescue costs are generally excluded, except when incurred by public bodies or authorities, in which case reimbursement is capped at €1,500.
COVID-19 / pandemic treatment
Excluded
Epidemics or pandemics declared by the World Health Organization, and documented quarantines imposed by public authorities, are excluded from all guarantees.
Pre-existing conditions
Excluded
Pre-existing illnesses (diagnosed or under medical assessment before the policy was issued/trip booked, or before departure for the assistance and medical-expenses sections) are excluded from all guarantees, subject to the statutory oncological 'right to be forgotten'.
Winter sports cover
Optional
Only in Media, Top
Skiing, off-piste skiing, cross-country skiing, snowboarding, ski-mountaineering and similar winter activities (Group B) are only covered if the optional 'Sport d'Avventura' (Adventure Sports) formula is purchased.
Adventure sports cover
Optional
Only in Media, Top
Optional add-on extending accident cover to a wider list of adventurous/risk activities (Group B: e.g. diving, canyoning, rafting, mountaineering up to grade 3, kitesurfing) not covered by the base policy, available for Media and Top tiers.
Pregnancy complications
Conditional
Pregnancy-related conditions are covered only up to the 26th week of gestation; complications beyond the 26th week, puerperium, therapeutic abortion and childbirth are excluded from all guarantees.
Personal (third-party) liability
No limit stated
No dedicated third-party personal liability guarantee was found within the reviewed policy documentation for this product.
Legal assistance abroad
€1,500 – €5,000
Only in Media, Top
Legal expenses cover for disputes arising during the trip, available only with the Media and Top tiers (not Base): €1,500 per claim in Europe/Mediterranean, €4,000 in the rest of the World, €5,000 in USA/Canada.
24/7 assistance hotline
Covered
A dedicated Italian-language operations centre is available 24 hours a day, every day, for the entire trip duration, for all coverage tiers, to authorize and coordinate assistance and direct-payment services.
Key conditions
Assistance call deadline
The insured must immediately contact the 24/7 operations centre before receiving treatment; for hospital/surgical expenses a case reference number must be obtained in advance to benefit from direct payment, and any claim must be reported within 15 days of the event.
Unauthorized treatment
No reimbursement is granted without prior authorization from the operations centre (absence of a case number is treated as absence of contact, unless proven otherwise); without prior contact the insured must pay directly and claim reimbursement afterwards, subject to policy sub-limits and the standard €75 per-claim deductible (waivable with the optional deductible-removal add-on).
Purchase while abroad
The policy cannot be taken out once the trip has already started; it must be purchased before departure from the place of residence in Italy, and only covers persons residing or domiciled in Italy.
Chronic conditions
Persons suffering from chronic alcoholism, confirmed AIDS, drug addiction, organic cerebral pathologies (e.g. epilepsy) or psychiatric pathologies (schizophrenia, manic-depressive syndrome, paranoid disorders) cannot be insured, regardless of an assessment of their actual state of health.
Pregnancy
Pregnancy is covered only up to the 26th week of gestation; conditions related to the puerperium, therapeutic abortion and childbirth are excluded from all guarantees.
Pre-existing condition exclusions
Pre-existing illnesses — diagnosed or under medical assessment before the policy was issued/trip booked, or (for the assistance and medical-expenses sections) before departure — are excluded from all guarantees, subject to the statutory oncological 'right to be forgotten'.
Coverage duration limit
Maximum single-trip duration depends on the insured's age at purchase: 90 days (0-45 years), 60 days (46-70 years), 30 days (71-75 years); the maximum insurable age is 75; in-patient hospital medical cover is in any case limited to 100 consecutive days.
Where to buy
Documents
Pre-contractual information document (DIP Danni + DIP aggiuntivo Danni)
IPID
Insurance terms and conditions incl. glossary (Ed. 02/2026)
Terms & conditions
Summary table of guarantees (Tabella riepilogativa delle garanzie)
Table of benefits
GDPR privacy notice (Atto di informazione ex artt. 13 e 14 GDPR)
Other document
Policy specifics
Direct payment requirement
Medical expenses must be authorized through assistance center for direct payment
Source