Unipol Assicurazioni S.p.A.

Assistance call deadline

The Assicurato must always and preventively contact the UnipolAssistance Centrale Operativa (tel. +39 0116523211), active 24/7, before obtaining any Assistenza in Viaggio service or the hospital medical-expense direct payment; for Infortuni claims, written notice must be given within 3 days from when the Assicurato had the possibility to do so.

Section: 4. NORME CHE REGOLANO LA LIQUIDAZIONE DEI SINISTRI > Art. 4.1

L'Assicurato o chi per esso deve contattare immediatamente, sempre e preventivamente e per ogni tipologia di richiesta, la Centrale Operativa di UnipolAssistance.

Unauthorized treatment

No reimbursement is granted for Spese Mediche if the Struttura Organizzativa was not contacted, unless proven impossibility is demonstrated.

Section: 2. SEZIONE PROTEZIONE VIAGGIO > Art. 2.1.2 Spese mediche

Nessun rimborso è previsto in caso di mancato contatto con la Struttura Organizzativa, salvo il caso di comprovata impossibilità.

Purchase while abroad

The Condizioni di Assicurazione do not provide for purchasing the policy while already abroad; Assistenza in Viaggio cover starts when the Assicurato leaves their Residenza/Domicilio, implying the policy must be taken out before departure.

Section: 2. SEZIONE PROTEZIONE VIAGGIO > Come assicura > Art. 2.7

Per le Prestazioni previste all'Art. 2.1.1 - Assistenza in Viaggio, la copertura inizia dal momento nel quale l'Assicurato lascia la propria Residenza/Domicilio per intraprendere il Viaggio.

Chronic conditions

Chronic/recurring pathological conditions predating the policy are excluded from the whole Sezione Protezione Viaggio, except that Annullamento Viaggio covers relapses manifesting after trip registration.

Section: 3. SEZIONE ANNULLAMENTO VIAGGIO > Art. 3.1

Sono comprese in garanzia le recidive o riacutizzazioni di Malattie preesistenti che si manifestino dopo la data di iscrizione al Viaggio.

Pregnancy

Claims from therapeutic abortion, non-premature childbirth or puerperium are excluded from Protezione Viaggio; pregnancy pathologies arising before the guarantee's start date are also excluded from Annullamento Viaggio.

Section: 3. SEZIONE ANNULLAMENTO VIAGGIO > Art. 3.3

patologie della gravidanza insorte precedentemente alla data di decorrenza dell'Assicurazione.

Pre-existing condition exclusions

Pre-existing illnesses are excluded from base Protezione Viaggio guarantees; Annullamento Viaggio makes an exception for relapses after trip registration.

Section: 2. SEZIONE PROTEZIONE VIAGGIO > Art. 2.2

derivanti da Malattie preesistenti.

Coverage duration limit

The policy covers a single trip of no more than 100 days; maximum insurable age is 80 years at stipulation; hospital medical-expense cover is capped at 60 days of hospitalization or Day Hospital per claim.

Section: 1. NORME CHE REGOLANO L'ASSICURAZIONE IN GENERALE > Art. 1.2 / Art. 1.4

La Posizione assicurativa ha la durata pari al Viaggio, che non deve essere superiore a 100 giorni.

Medical limits vary by trip duration

Medical expense coverage limits are €1,000,000 in Europe/World for trips up to 40 days, and €300,000 for trips over 40 days; €10,000 in Italy

High-risk country exclusions

Coverage does not operate for trips to specific high-risk countries including Afghanistan, Burundi, Chad, West Bank/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, and Yemen

Mandatory medical authorization for hospital expenses

Medical expenses for hospital treatment require mandatory prior contact and authorization from UnipolAssistance organizational structure

Maximum trip duration

The policy covers a single trip not exceeding 100 days, for tourism, study or business purposes

Maximum insurable age

The maximum insurable age is 80 years

Trip cancellation coverage timing requirement

Annullamento Viaggio is valid only if stipulated within 3 days of booking and within 30 calendar days before departure.

Bagaglio Sicuro coverage

Covers luggage damage from theft, pickpocketing, robbery, mugging or fire, extended to valuables, furs, sports/photo/electronic equipment; €50 deductible.

Minimum trip distance requirement

For car travel or other non-public-transport means, insurance is valid from 50 km from the place of residence.

Mandatory assistance center contact

The Assicurato must always and preventively contact UnipolAssistance Centrale Operativa (tel. +39 011 6523211) before obtaining any Assistenza in Viaggio service or hospital medical-expense direct payment

Residency requirement for insured parties

Insured parties must be resident and domiciled in Italy, or resident abroad and temporarily domiciled in Italy

Eligible insured parties

Coverage may include the Nucleo di contratto (spouse/partner, cohabiting relatives, non-cohabiting parents/children) and up to 3 named non-family travel companions.

Travel assistance provider

Assistance services are provided by UnipolAssistance S.c.r.l.'s Struttura Organizzativa, responsible for receiving and delivering assistance requests.

Outpatient coverage without prior authorization

Outpatient visits and medicines (up to €1,000 per claim) are reimbursable without prior contact with the Struttura Organizzativa, subject to a €50 deductible.

Premium payment requirement

The Premio must be paid for the entire cover duration to the Agenzia/Punto vendita or the Società; the policy is inoperative until payment.