Unipol UNICA
Unipol UNICA is a travel insurance for the IT market with online purchase and 24/7 assistance.
Direct payment
Direct payment of hospital medical expenses is provided subject to mandatory prior contact with and authorisation from the UnipolAssistance Organisational Structure. If prior contact was not possible due to proven impossibility, expenses are reimbursed up to the amount that would have been paid had the Structure been contacted. For outpatient visits and medicines (up to €1,000 per claim), reimbursement is available without prior contact with the Structure, subject to a €50 excess.
Geographic scope
IT
Worldwide except: Afghanistan, Burundi, Chad, West Bank and Gaza Strip, Congo, North Korea, Ivory Coast, Ethiopia, Haiti, Iraq, Kosovo, Liberia, Nepal, Papua New Guinea, Chechen Republic, Central African Republic, Democratic Republic of Congo, Rwanda, Western Sahara, Sierra Leone, Somalia, Sudan, East Timor, Uganda, Yemen; and countries in declared or de facto war or under UN/EU embargo. For car travel, coverage starts from 50 km from place of Residence.
Unique selling points
- Medical expense coverage up to €1,000,000 for Europe and worldwide trips up to 40 days, with unlimited repatriation to Italy at the Company’s expense.
- Comprehensive 24/7 assistance via UnipolAssistance Operations Centre (+39 0116523211) covering medical, transport, legal, home, and vehicle services from the moment you leave home.
- Part of the Unipol UNICA multi-line family policy, allowing a single contract to cover vehicles, home, travel, health, and pets for the entire household.
- Traveller’s accident cover (optional) explicitly includes war risk, civil insurrection abroad, and natural catastrophe events such as earthquakes and floods.
- Up to 3 named travel companions outside the family nucleus can be included in the same policy position, enabling flexible group coverage.
Coverage limits
Medical expenses (hospital)
Covered
Direct payment of hospital medical expenses for urgent and non-deferrable treatment or surgery following illness or accident. Sub-limits: €10,000 in Italy; €1,000,000 in Europe/World for trips up to 40 days; €300,000 for trips over 40 days (from day 41). Cover valid for up to 60 days of hospitalisation or day hospital. A €50 excess applies to outpatient visits/diagnostics/medicines (sub-limit €1,000 per claim). Mandatory prior contact with and authorisation from UnipolAssistance required for hospitalisation.
Emergency medical treatment (hospital)
Covered
Emergency and non-deferrable hospital treatment or surgery covered up to €1,000,000 in Europe/World (trips up to 40 days) or €300,000 (from day 41). Requires prior authorisation from UnipolAssistance Organisational Structure. Coverage operates for up to 60 days of hospitalisation or Day Hospital.
Hospitalisation
Covered
Hospitalisation expenses covered up to €1,000,000 in Europe/World for trips up to 40 days, reduced to €300,000 from day 41. Sub-limit of €10,000 for expenses in Italy. Maximum 60 days of hospitalisation or Day Hospital per claim.
Outpatient treatment (urgent medical visits/diagnostics/medicines)
Covered
Reimbursement of urgent medical visits, diagnostic tests, and prescribed medicines up to €1,000 per claim, without mandatory contact with the Organisational Structure. A fixed €50 excess applies per claim.
Emergency dental (first aid only)
Covered
Dental care is covered only as part of first-aid expenses following an accident, up to the €250 sub-limit for first-aid costs. Routine dental care and dental repairs are explicitly excluded.
Medical transport (to nearest emergency facility)
Covered
Transport to the nearest suitable emergency care facility or from the initial facility to a better-equipped one is covered up to €10,000 per claim. Transport from the medical facility to a healthcare centre in Italy or to the Insured’s Residence/Domicile is covered without expenditure limit.
Medical evacuation/repatriation to Italy
Covered
Repatriation from a foreign medical facility to Italy or to the Insured’s Residence/Domicile is organised and fully covered by the Company without expenditure limit. Medical or nursing assistance during transport is included if deemed necessary by the Organisational Structure’s physicians. Repatriation from non-European countries is by scheduled economy class flight; air ambulance may be used for Mediterranean Basin countries.
Repatriation of remains
Covered
In the event of the death of the Insured Party, the Organisational Structure organises and carries out transport of the body to the place of burial in Italy at the Company’s expense. No expenditure limit is specified.
Search and rescue expenses
Covered
The Company reimburses up to €1,500 for the costs of searching for the Insured Party or insured/uninsured Travel Companions who go missing or are lost, provided searches are conducted by competent public authorities.
COVID-19 / epidemic treatment
Covered
Medical expenses resulting from COVID-19 or epidemic-related illness are covered under the standard medical expenses guarantee (illnesses are not excluded by pathogen type). However, administrative/health detention and force majeure costs due to pandemic/epidemic restrictive measures require the optional ‘Epidemic Extension’ add-on (Art. 2.4.7).
Pre-existing conditions
Excluded
Claims arising from pre-existing illnesses (chronic/recurrent conditions existing prior to policy signing) are explicitly excluded from the Travel Protection Section. For the Travel Cancellation Section, pre-existing illnesses are excluded except for relapses and exacerbations that manifest after the date of trip registration.
Winter sports cover
Conditional
Extreme skiing and snowboarding (off-piste in areas not immediately adjacent to groomed slopes served by ski lifts) are classified as High-Risk Sports and explicitly excluded. Standard on-piste skiing is not listed among excluded activities in the base cover, but ski mountaineering, acrobatic skiing, and extreme skiing are excluded. Accidents during organised competitions on skis are also excluded.
Adventure and high-risk sports cover
Excluded
Accidents caused by the practice (even occasional) of Air Sports, High-Risk Sports (including bungee jumping, base jumping, canyoning, free climbing, parkour, rafting, etc.) and Motor Sports/Motorboating are explicitly excluded from the base cover. Professional sports are also excluded.
Pregnancy complications
Excluded
Claims resulting from therapeutic abortion, non-premature childbirth, and post-partum care (puerperio) are explicitly excluded from both the Travel Protection Section and the Travel Cancellation Section. Pregnancy-related conditions pre-existing at policy inception are also excluded from the Cancellation Section.
Traveller’s civil liability
Optional
Optional supplementary cover. Indemnifies the Insured for amounts legally owed as compensation for unintentional damage caused to third parties during the trip (death, personal injury, property damage). Limit as specified in the Policy Insurance Position. A €150 excess applies for property damage. Coverage is valid in all countries worldwide. Travel Companions and Family Members are not considered third parties.
Legal assistance abroad (referral and bail advance)
Covered
In the event of arrest or threat of arrest for culpable acts abroad, the Organisational Structure refers the Insured to a local lawyer and can advance the lawyer’s fee up to €7,500 equivalent in local currency. Additionally, bail can be advanced up to €5,000. Both are repayable within 1 month.
24/7 travel assistance
Covered
Comprehensive 24/7 travel assistance is included as a base guarantee, provided by UnipolAssistance S.c.r.l. via the Operations Centre (+39 0116523211), active 24 hours a day, 7 days a week. Covers medical consultation, dispatch of physician/ambulance in Italy, referral to specialist abroad, urgent medicines dispatch, transport/medical return, family member travel, extension of stay, accompaniment of minors, interpreter, legal referral, vehicle assistance, and assistance at home for family members.
Key conditions
Assistance call deadline
In the event of a claim relating to Travel Assistance, the Insured Party or their representative must contact the UnipolAssistance Operations Centre immediately and preventively, before receiving any service. Failure to do so results in no indemnity being paid, except in cases of proven objective impossibility. For the Traveller Accidents and In-Flight Accidents supplementary covers, written notice must be given to the Company within 3 days of the accident or from the moment it was possible to do so.
Unauthorized treatment
If the Insured Party receives hospital medical treatment without prior authorisation from the Organisational Structure (except in cases of proven impossibility), expenses are reimbursed only up to the amount that would have been incurred if the Structure had been contacted. No reimbursement is due at all if contact was not made and impossibility is not proven.
Purchase while abroad
The policy cannot be purchased after the trip has started. It must be taken out before departure. The Cancellation Section requires subscription within 3 days of trip booking and in any case within 30 calendar days before departure.
Chronic conditions
Claims arising from pre-existing illnesses (chronic or recurrent pathological conditions existing prior to policy signing) are explicitly excluded from the Travel Protection Section. There is no option to extend coverage to pre-existing chronic diseases within this product.
Pregnancy
Therapeutic abortion, non-premature childbirth, and post-partum care (puerperio) are explicitly excluded from coverage in both the Travel Protection and Travel Cancellation sections. Pregnancy-related conditions pre-existing at policy inception are also excluded from the Cancellation Section.
pre_existing_conditions
Pre-existing illnesses (any illness that is the expression or direct consequence of chronic/recurrent pathological conditions existing prior to policy signing) are excluded from the Travel Protection Section. In the Travel Cancellation Section, pre-existing illnesses are excluded except for relapses and exacerbations that manifest after the date of trip registration.
coverage_duration_limit
The policy covers a single trip not exceeding 100 days, for tourism, study or business purposes. The policy is not subject to automatic renewal and expires automatically at its natural expiry date. The maximum insurable age is 80 years.
Documents
UNIPOL UNICA - Fascicolo Informativo Base (Presentazione Prodotto, Ed. 01/04/2025)
ipid
VIAGGIO - Set Informativo e Allegati UnipolSai UNICA (DIP Danni + DIP aggiuntivo + Condizioni di Assicurazione Ed. 01/11/2023)
ipid
VIAGGIO - Condizioni di Assicurazione UnipolSai UNICA (Modello SI/02215/001/00000/U - Ed. 01/11/2023)
terms_and_conditions
Policy specifics
Medical expenses with mandatory authorization
Medical expenses require mandatory contact with and authorization from the Organisational Structure (UnipolAssistance)
Geographic coverage exclusions
Insurance does not operate for trips to specific high-risk countries
Maximum trip duration
Coverage applies to single trips not exceeding 100 days
Travel cancellation policy timing requirement
Cancellation cover must be purchased within 3 days of booking and within 30 calendar days maximum
Secure luggage coverage
Coverage for damage to luggage due to theft, pickpocketing, robbery, mugging, or fire, including valuables, furs, sports equipment, photographic equipment, and electronics
Family nucleus definition requirement
Coverage may include cohabiting family members, first-degree ascendants/descendants, spouses, and up to 3 named travel companions
Residency requirement
Insured parties must be resident and domiciled in Italy, or resident abroad and temporarily domiciled in Italy
Assistance provided through operational structure
Travel assistance services are provided by UnipolAssistance S.c.r.l., responsible for receiving assistance requests and providing services
Coverage commencement for different benefits
Different guarantees commence at different times: medical expenses, luggage, accidents start when trip begins; cancellation coverage starts at booking date