Travelassist S.r.l. (Viaggi Sicuri brand)

Assistance call deadline

For hospitalization, emergency room or ambulatory visits, the insured must call the 24/7 operations centre immediately before treatment if costs exceed €300 (rest of world) or in any case for the USA/Canada/Caribbean; for minor illnesses under €300 no prior authorization is required but receipts must be kept.

Unauthorized treatment

Expenses not previously authorized by the operations centre, or costs incurred after the insured has been declared fit to fly, are not covered and may lead to a reduced or denied indemnity.

Purchase while abroad

The policy is invalid if purchased after the trip has already begun or while the insured is already travelling, except for authorized extensions of an existing policy.

Chronic conditions

Chronic diseases and conditions that are the expression or direct consequence of pathological situations pre-existing the start of cover, known to the insured, are excluded from all guarantees.

Pregnancy

Pregnancy-related illness is covered under the Medical Expenses guarantee up to the 26th week of gestation; complications beyond the 26th week, puerperium, childbirth (including premature birth) and voluntary termination are excluded.

Pre-existing condition exclusions

Pre-existing and chronic medical conditions are not covered unless specifically declared to and accepted by the insurer before the policy is issued.

Coverage duration limit

Individual and Family policies cover a maximum of 365 consecutive days for a single trip, with insured age limits up to 75 years; cover automatically extends up to 5 additional days in case of delays for non-medical reasons beyond the insured's control.

Medical repatriation

Not established from the insurer's documents

Coverage for emergency medical repatriation to Italy if medically necessary, with 24/7 medical assistance coordination

Trip interruption

Coverage for costs and expenses if trip must be interrupted due to medical emergency or other covered events, available in Silver and Gold tiers

Personal baggage coverage

Coverage for lost, damaged or stolen personal baggage and belongings, available in Silver and Gold tiers with maximums up to €2,000 per person

Optional deductible waiver

Optional add-on (€9 per person) to waive the standard deductible/excess that would normally apply to covered claims

Personal accident/injury coverage

Not established from the insurer's documents

Coverage for accidental death or permanent disability caused by accident during travel, included in Silver and Gold tiers

Winter sports coverage

Not established from the insurer's documents

Optional coverage for expenses related to winter sports (ski package costs) in case of trip interruption, repatriation or accident during winter sports activities

Medical expenses coverage (tiered)

Medical expenses abroad covered up to €1 million (Base), €5 million (Argento) or €8 million (Oro) for Individual and Family policies; medical expenses incurred in Italy are also covered up to €1,000/€3,000/€5,000 respectively.

Medical repatriation and hospital transfer

Unlimited coverage for emergency medical repatriation to Italy and hospital transfer, organized through the 24/7 Euro Center Holding SE operations centre.

Maximum trip duration

Individual policies are valid for a single trip with maximum duration of 365 consecutive days

Age limits for coverage

Individual policies are available for travelers aged 0 to 65 years (some versions extend to 75 years); Family policies require parents aged up to 65 years with children up to 17 years

Residency requirement

Policies are available only to residents or domiciled persons in Italy, San Marino, or Vatican City

Claims notification deadline

Insured must notify the insurer of any claim or incident as soon as possible, and in particular must contact the emergency operations center for medical emergencies abroad immediately

Assistance coordination model

Medical assistance and repatriation are provided through direct coordination with the operations center (not simple reimbursement). The operations center directs medical care and arranges transport.

Right of withdrawal

Policyholder may withdraw from the contract within 14 days of issuance, provided the trip has not yet begun