UniSalute Travel insurance (My Travel)
Underwritten by UniSalute S.p.A. · Italy
travel insurance from UniSalute for the Italy market, with online purchase and 24/7 assistance.
Verified Aug 31, 2026 · Terms dated 2025-11-01Sources
Unique selling points
Worldwide medical coverage abroad up to €75,000 per insured per year for urgent hospitalization.
Dedicated interpreter service arranged abroad to help the Insured communicate with foreign doctors during hospitalization.
Reimbursement of a family member's round-trip travel and accommodation costs if the Insured is hospitalized abroad for more than 10 days.
Early return home organized and paid for in case of a life-threatening emergency involving a close family member.
24/7 toll-free assistance line to activate return transportation, interpreter and other assistance services while abroad.
Coverage limits
Medical expenses abroad (urgent hospitalization)
€75K
Overall annual limit for the complex of benefits under the 'Ricovero urgente all'estero' guarantee: surgery, medical assistance, medicines, hospital daily rate, companion costs, private nursing, post-hospitalization care and repatriation of remains, up to €75,000 per Insured per year.
Section: Modulo my travel > Garanzie spese sanitarie > 100. Ricovero urgente all'estero
Il Massimale per il complesso di prestazioni sopra elencate è di 75.000 (settantacinquemila) euro per Assicurato e per Anno.
Emergency medical treatment abroad
Covered
Medical and nursing assistance, medical specialist consultations, medicines, exams and diagnostic tests during hospitalization abroad are covered without a separate sub-limit, within the overall €75,000 annual cap for the 'Ricovero urgente all'estero' guarantee.
Section: Modulo my travel > Garanzie spese sanitarie > 100. Ricovero urgente all'estero
Assistenza medica, Medicinali, cure (standard): Prestazioni mediche e infermieristiche, consulenze medico-specialistiche, Medicinali, esami e Accertamenti diagnostici durante il periodo di Ricovero.
Hospitalization abroad
€75K
Hospitalization abroad is covered within the overall €75,000 per Insured per year limit of the 'Ricovero urgente all'estero' guarantee. Room and board costs (rette di degenza) are reimbursed up to €200 per day within that overall limit; non-essential (voluptuary) expenses are excluded.
Section: Modulo my travel > Garanzie spese sanitarie > 100. Ricovero urgente all'estero
Rette di degenza: Non sono comprese in garanzia le spese voluttuarie. Le spese sostenute vengono rimborsate nel limite di € 200,00 al giorno. ... Il Massimale per il complesso di prestazioni sopra elencate è di 75.000 (settantacinquemila) euro per Assicurato e per Anno.
Post-hospitalization outpatient care
Covered
Diagnostic tests, medicines, medical/surgical/nursing services and physiotherapy/rehabilitation treatments performed within 100 days after discharge from hospitalization abroad are covered, included within the overall €75,000 annual limit for the guarantee.
Section: Modulo my travel > Garanzie spese sanitarie > 100. Ricovero urgente all'estero
Post Ricovero: Esami e Accertamenti diagnostici, Medicinali, prestazioni mediche, chirurgiche e infermieristiche ... effettuati nei 100 giorni successivi alla cessazione del Ricovero, purché resi necessari dalla Malattia o dall'Infortunio che ha determinato il Ricovero.
Emergency dental care
No limit stated
Not addressed within the My Travel module; dental care is covered under a separate, distinct module (My Smile).
Local medical transport / ambulance abroad
No limit stated
No dedicated ground ambulance/local medical transport benefit is stated for the My Travel module; only the return trip after discharge and repatriation of remains are covered.
Medical evacuation
Excluded
True medical evacuation (urgent, medically escorted transport) is not covered by My Travel. The module provides only a standard return flight (economy class) or train (first class) ticket after discharge from hospitalization abroad, available when medical/paramedical assistance during the journey is not required, up to €500 per Insured per year.
Section: Modulo my travel > Garanzie assistenza > 105. Rientro post-Ricovero estero
Successivamente alle dimissioni dall'Istituto di cura in caso di Ricovero all'estero, qualora non sia necessaria l'Assistenza di personale medico e paramedico, la Centrale Operativa provvede a organizzare il rientro dell'Assicurato alla propria abitazione. Il costo del biglietto aereo (classe turistica) o ferroviario (prima classe) è a carico di UniSalute fino al raggiungimento del Massimale di 500 (cinquecento) euro per Assicurato e per Anno.
Repatriation of mortal remains
€20K
In case of death of the Insured during hospitalization abroad, UniSalute reimburses the costs incurred for repatriation of the body, up to €20,000 per Insured per year.
Section: Modulo my travel > Garanzie spese sanitarie > 100. Ricovero urgente all'estero
Rimpatrio della salma: UniSalute, in caso di decesso dell'Assicurato durante un Ricovero all'estero (coperto in base alle condizioni del presente modulo), provvede al rimborso delle spese sostenute per il ripatrio della salma fino al raggiungimento di 20.000 (ventimila) euro per Anno e per Assicurato.
COVID-19 treatment
No limit stated
Not specifically addressed in the My Travel module's coverage or exclusion list.
Pre-existing conditions
Excluded
Direct consequences of Accidents and Illnesses that arose, were diagnosed or treated prior to the policy's inception are excluded, as are pre-existing physical defects or malformations, except those the Insured was unknowingly affected by.
Section: Modulo my travel > Che Cosa Non È Assicurato > 101. Esclusioni
le conseguenze dirette di Infortuni e di Malattie insorti, diagnosticati o curati anteriormente alla stipula dell'Assicurazione; le cure e/o gli interventi per l'eliminazione o la correzione di Difetti fisici o di Malformazioni preesistenti alla stipula dell'Assicurazione, salvo quelli di cui l'Assicurato sia portatore non consapevole.
Winter sports cover
Excluded
Consequences of accidents caused by practicing extreme/dangerous sports (including extreme skiing and ski-mountaineering) are excluded, even if practiced recreationally.
Section: Modulo my travel > Che Cosa Non È Assicurato > 101. Esclusioni
le conseguenze di infortuni causati dalla pratica dei seguenti sport anche se svolti a carattere ricreativo: alpinismo in solitario con scalata di rocce o di ghiacciai oltre il terzo grado della scala di Monaco ... sci estremo e sci alpinismo, jumping, rafting, immersione con autorespiratore, speleologia.
Adventure sports cover
Excluded
Consequences of accidents caused by practicing extreme/dangerous sports (e.g. solo mountaineering above grade III, rafting, speleology, motor-powered vehicles/craft in competitions, parachuting, aerial sports) are excluded, even if practiced recreationally, as well as accidents from sports practiced as a professional activity.
Section: Modulo my travel > Che Cosa Non È Assicurato > 101. Esclusioni
sport comportanti l'uso di veicoli o natanti a motore, in gare, competizioni e relative prove salvo si tratti di gare di regolarità pura, sport del paracadutismo e sport aerei in genere; le conseguenze di Infortuni causati dalla pratica di sport costituenti per l'Assicurato attività professionale.
Pregnancy complications
No limit stated
Not explicitly addressed; only voluntary termination of a non-therapeutic pregnancy and its consequences are explicitly excluded, and scheduled ('programmed') hospital stays are excluded.
Section: Modulo my travel > Che Cosa Non È Assicurato > 101. Esclusioni
l'interruzione volontaria della gravidanza non terapeutica e le eventuali conseguenze; ... le degenze programmate.
24/7 assistance helpline
Covered
Assistance services (organizing return transportation, interpreter, early return, family travel) are activated by contacting UniSalute's Struttura Organizzativa via a toll-free number active 24 hours a day, 365 days a year.
Section: Sezione 3: Norme che regolano i sinistri > 165. Norme specifiche per le garanzie "Assistenza"
contattare la Struttura Organizzativa di UniSalute telefonando al numero verde 800-212477 attivo 24 ore su 24.
Key conditions
Assistance call deadline
Assistance benefits (return transportation, interpreter, early return of the Insured, travel of a family member) must be activated by contacting UniSalute's Struttura Organizzativa via the toll-free number, active 24 hours a day, 365 days a year; medical expense reimbursement claims do not require pre-authorization since the guarantee operates exclusively on a reimbursement basis.
Unauthorized treatment
Not applicable in the strict sense: the 'Ricovero urgente all'estero' medical guarantee operates exclusively on a reimbursement basis (no convenzionata network/direct payment), so there is no penalty tied to using non-authorized providers; expenses of a purely voluptuary nature during hospitalization are however excluded from reimbursement.
Purchase while abroad
Not addressed in the My Travel module documentation; the module can only be purchased in combination with a base health plan (Essential, Plus or Extra) on UniSalute's website.
Chronic conditions
Not specifically addressed for My Travel beyond the general pre-existing condition exclusion; chronic conditions diagnosed or treated before the policy's inception are excluded from cover, except conditions the Insured was unknowingly affected by.
Pregnancy
Voluntary termination of a non-therapeutic pregnancy and its consequences are excluded; scheduled ('programmed') hospital stays are also excluded, which would exclude planned deliveries; urgent pregnancy complications during a Ricovero abroad are not explicitly addressed.
Pre-existing condition exclusions
Direct consequences of accidents and illnesses that arose, were diagnosed or treated before the policy's effective date are excluded, as are pre-existing physical defects/malformations, except those the Insured was unknowingly affected by.
Coverage duration limit
Post-hospitalization follow-up care is covered for 100 days after discharge; companion (board/lodging) and private nursing assistance benefits are each capped at 30 days per hospitalization; robotic-assisted surgery costs are capped at €2,500 per hospitalization; the interpreter service is capped at 8 hours per event per year; no explicit maximum overall trip duration for the module itself was found in the source.
Direct payment
My Travel benefits are provided exclusively on a reimbursement basis: the Insured must pay the medical expenses incurred abroad directly and then request reimbursement from UniSalute; there is no cashless/direct-payment network for this module.
Territorial scope
The insurance is valid worldwide.
Documents
Terms and Conditions (Condizioni di Assicurazione) - UniSalute Per Te (opens in a new tab)
Terms & conditions · PDF
DIP Danni / DIP Aggiuntivo Danni - Insurance Product Information Document (opens in a new tab)
Product information sheet · PDF
My Travel - Summary Table of Limits, Sub-limits, Deductibles and Excesses (opens in a new tab)
Table of benefits · PDF
My Travel Product Page (opens in a new tab)
Other document · PDF
Policy specifics
Worldwide travel coverage
The MY TRAVEL module provides coverage valid worldwide (outside Italy), specifically covering medical expenses abroad in case of illness or injury during travel
SourceClause Art. 103Page 48 di 97Section: Modulo my travel > Come Assicura > 103. Estensione territoriale
L'Assicurazione vale in tutto il mondo.
Medical expenses reimbursement abroad
Coverage includes reimbursement for medical expenses incurred abroad in case of illness or injury while traveling
SourceSource no longer reachableSection: My Travel > Cosa copre la soluzione My Travel
Hai pianificato una vacanza fuori dall’Italia? Ti offriamo un’assicurazione sanitaria viaggio che prevede il rimborso spese mediche all'estero, ricoveri e tanto altro.
Hospitalization abroad coverage
Coverage for hospitalization and emergency medical care when abroad
SourceSource no longer reachableSection: My Travel > Cosa copre la soluzione My Travel
Ricovero all’estero? Ti rimborsiamo le spese
Interpreter services abroad
24/7 interpreter services available when abroad to assist with medical and language needs
SourceSource no longer reachableSection: My Travel > Cosa copre la soluzione My Travel
Fino a 8 ore di interprete per assisterti al meglio
Early return coverage from abroad
Coverage for early return from abroad in case of family emergency or medical emergency
SourceSource no longer reachableSection: My Travel > Cosa copre la soluzione My Travel
Rientro immediato in caso di pericolo per un tuo parente
Family member travel reimbursement
In case of prolonged hospitalization abroad, coverage includes reimbursement for airfare of a family member to reach the insured
SourceSource no longer reachableSection: My Travel > Cosa copre la soluzione My Travel
10 giorni di ricovero? Biglietto aereo per un familiare
Pre-existing conditions exclusion
The MY TRAVEL module excludes consequences of illnesses and injuries that began, were diagnosed, or were treated before the policy start date
SourceClause Art. 101Page 48 di 97Section: Modulo my travel > Che Cosa Non È Assicurato > 101. Esclusioni
le conseguenze dirette di Infortuni e di Malattie insorti, diagnosticati o curati anteriormente alla stipula dell'Assicurazione.
Mental health conditions exclusion
The MY TRAVEL module excludes treatment of mental illnesses and psychological disorders, including neurotic pathologies and anxiety/depression syndromes, except for psychiatric and psychotherapeutic services
SourceClause Art. 101Page 48 di 97Section: Modulo my travel > Che Cosa Non È Assicurato > 101. Esclusioni
la cura delle Malattie mentali e disturbi psichici in genere, tra questi comprese le patologie nevrotiche, le sindromi ansiose e/o depressive, salvo quanto previsto dalla garanzia "Prestazioni Psichiatriche e Psicoterapeutiche".
Refractive eye error exclusion
The MY TRAVEL module excludes treatment for correction of refractive vision defects (myopia, hyperopia, astigmatism, presbyopia)
SourceClause Art. 101Page 48 di 97Section: Modulo my travel > Che Cosa Non È Assicurato > 101. Esclusioni
sono altresì escluse le cure e gli interventi per la correzione di vizi di rifrazione oculare (miopia, ipermetropia, astigmatismo, presbiopia).
Optional add-on to base plan requirement
The MY TRAVEL solution can only be purchased in combination with a base insurance solution (Essential, Plus, Extra, or Top). It cannot be purchased as a standalone product
SourceSource no longer reachableSection: My Travel > Scegli il tuo livello di protezione
La soluzione My Travel è acquistabile solo in abbinamento a una soluzione assicurativa di base.
Central operating center coordination requirement
For emergency situations abroad (prolonged hospitalization, early return), the Central Operating Center of UniSalute must be contacted to organize and arrange transportation and repatriation
SourceClause Art. 105Page 49 di 97Section: Modulo my travel > Garanzie assistenza > 105. Rientro post-Ricovero estero
Successivamente alle dimissioni dall'Istituto di cura in caso di Ricovero all'estero, qualora non sia necessaria l'Assistenza di personale medico e paramedico, la Centrale Operativa provvede a organizzare il rientro dell'Assicurato alla propria abitazione.
Sources
- unisalute.ithttps://www.unisalute.it/assets/pdf/Set%20Informativo%20-%20UniSalute%20Per%20Te_07_2025.pdf#page=24(opens in a new tab)
- unisalute.ithttps://www.unisalute.it/assets/pdf/Set%20Informativo%20-%20UniSalute%20Per%20Te_07_2025.pdf#page=58(opens in a new tab)
- unisalute.ithttps://www.unisalute.it/assets/pdf/Set%20Informativo%20-%20UniSalute%20Per%20Te_07_2025.pdf#page=59(opens in a new tab)
- unisalute.ithttps://www.unisalute.it/assets/pdf/Set%20Informativo%20-%20UniSalute%20Per%20Te_07_2025.pdf#page=60(opens in a new tab)
- unisalute.ithttps://www.unisalute.it/assets/pdf/Set%20Informativo%20-%20UniSalute%20Per%20Te_07_2025.pdf#page=84(opens in a new tab)
UniSalute Travel insurance