Viaggi Sicuri Travel insurance (Viaggi Sicuri Individuale Famiglia)
Underwritten by ERGO Reiseversicherung AG · Italy
travel insurance from Viaggi Sicuri for the Italy market, with online purchase and 24/7 assistance.
Verified Sep 1, 2026 · Terms dated 2024-11-04Sources
Key facts
- Personal liability up to €250,000
Unique selling points
Up to €8 million medical expense ceiling on the Oro tier.
Unlimited medical repatriation, hospital transfer and repatriation of remains, coordinated 24/7 by the Euro Center Holding SE operations centre.
Optional zero-deductible add-on available for just €10 per person.
Optional winter sports and electronic device theft covers not offered in the base policy.
Direct settlement of hospital bills abroad where possible, avoiding upfront out-of-pocket costs.
Coverage limits
Medical expenses abroad
€1M – €8M
Covers necessary and non-deferrable medical expenses (ambulance, hospitalization, surgery, outpatient treatments, prescribed medicines, urgent dental care) for acute or unforeseeable illness or accident abroad. Massimali: €1,000,000 (Base), €5,000,000 (Argento), €8,000,000 (Oro) for Individual/Family policies; also €1,000/€3,000/€5,000 for expenses incurred in Italy.
Section: Che cosa è assicurato? > Spese Mediche
Massimali: fino ad € 8 milioni. Fino ad € 5.000 in Italia.
Emergency medical treatment (ambulance, ER)
€1M – €8M
Ambulance transport and emergency/first-aid treatment abroad, within the same tiered medical expenses ceiling (€1M/€5M/€8M).
Section: Che cosa è assicurato? > Spese Mediche
Lei è assicurato per le spese dovute a cure necessarie e improcrastinabili a seguito di malattia acuta o imprevedibile o infortunio occorsi all'estero, ambulanza, ricovero e intervento chirurgico, trattamenti ambulatoriali e diagnostici, farmaci prescritti in loco, cure dentistiche urgenti.
Hospitalization and guarantee of hospital bill payment
€1M – €8M
Covers hospital admission including surgery, and the operations centre may directly guarantee payment of hospital bills up to €1M (Base), €5M (Argento) or €8M (Oro).
Section: Che cosa è assicurato? > Assistenza Sanitaria in viaggio
h. Massimale per Garanzia per il pagamento delle spese ospedaliere: fino a € 8 milioni.
Outpatient treatment
€1M – €8M
Outpatient medical visits, diagnostic tests and laboratory exams relevant to the reported illness/injury, within the tiered medical expenses ceiling.
Section: Che cosa è assicurato? > Spese Mediche
trattamenti ambulatoriali e diagnostici, farmaci prescritti in loco, cure dentistiche urgenti.
Urgent dental treatment
€400
Urgent dental treatment to induce immediate analgesic effect, up to €400, same sub-limit for all tiers (Base, Argento, Oro).
Section: Che cosa è assicurato? > Spese Mediche
Massimale per cure dentistiche urgenti: € 400.
Hospital transfer
unlimited
Unlimited coverage for transfer of the insured to another specialised healthcare facility (potentially in another country), organized by the operations centre, which chooses the most suitable means of transport.
Section: Garanzia B – Assistenza nelle emergenze sanitarie > a) Trasferimento Ospedaliero
a) Trasferimento Ospedaliero – Massimali: ... Massimale Illimitato Illimitato Illimitato
Medical repatriation (rientro sanitario)
unlimited
Unlimited coverage for medically supervised repatriation to the insured's place of residence or the nearest suitable healthcare facility, organized by the 24/7 operations centre.
Section: Garanzia B – Assistenza nelle emergenze sanitarie > b) Rientro sanitario
La Centrale Operativa organizza il rientro sanitario dell'Assicurato al luogo di residenza o al più vicino istituto di cura idoneo.
Repatriation of mortal remains
unlimited
Unlimited coverage for repatriation of the insured's remains to Italy if death occurs during the trip, organized by the operations centre per international rules; burial abroad is covered up to €2,600.
Section: Garanzia B – Assistenza nelle emergenze sanitarie > f) Rimpatrio della salma/Sepoltura all'estero
Se l'Assicurato decede durante il viaggio, la Centrale Operativa... provvede ad organizzare il rimpatrio della salma in Italia... Sepoltura all'estero Massimale € 2.600 € 2.600 € 2.600
Search, rescue and recovery
€5K
Coverage for the costs of search, rescue or recovery operations following an accident, up to €5,000, same for all tiers.
Section: Garanzia B – Assistenza nelle emergenze sanitarie > g) Ricerca, Salvataggio e Recupero
La Società sostiene i costi di operazioni di ricerca, salvataggio o recupero dell'Assicurato in seguito ad infortunio.
COVID-19 medical expenses
Covered
The policy operates for COVID-19 infection contracted by the insured or a close relative under the Assistance, Medical Expenses, Trip Cancellation and Trip Interruption guarantees, within the ordinary limits of those guarantees; general pandemic/quarantine events causing high mortality or requiring restrictive public-health measures are otherwise excluded.
Section: Che cosa non è assicurato?
Si precisa che la copertura assicurativa è operante in caso di infezione da COVID-19 contratta dall'Assicurato o Parente Prossimo dell'Assicurato per le garanzie di Assistenza, Spese Mediche. Interruzione Viaggio ed Annullamento viaggio.
Pre-existing conditions
Excluded
Chronic or pre-existing medical conditions known to the insured and manifested before the start of cover are excluded from all guarantees.
Section: Che cosa non è assicurato?
Malattie terminali diagnosticate prima della stipula, malattie preesistenti e malattie croniche.
Winter sports cover (optional)
€500 – €1.5K
Optional add-on extending medical expenses, medical assistance and liability cover to recreational skiing, snowboarding, cross-country skiing, sledging/bobsleigh and snowmobile (as passenger) in Italy and Europe; ski package (lessons, rental, ski-pass) reimbursement of €500 per person / €1,500 per household.
Section: Che cosa è assicurato? > Sport Invernali (opzionale)
Massimale: € 500 / € 1.500 per famiglia
Adventure/dangerous sports cover
Excluded
Dangerous sports and activities (mountaineering, off-piste, aerial activities, motor racing, diving without safety equipment, hunting safaris, etc.) are excluded, except for recreational winter sports if the optional Winter Sports guarantee is purchased.
Section: Che cosa non è assicurato?
Sport invernali (a meno che non sia stata inclusa la copertura opzionale Sport Invernali) e attività sportive pericolose, malattie e infortuni derivanti da atti di temerarietà o attività sportive pericolose...
Pregnancy complications
Conditional
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 of pregnancy are excluded.
Section: Che cosa non è assicurato?
Malattie legate alla gravidanza oltre la 26° settimana di gestazione e al puerperio, minaccia d'aborto per incuria o dolo da parte dell'assicurato, interruzione volontaria della gravidanza, parto (anche se prematuro)...
Third-party liability
€250K
Coverage for civil liability toward third parties for personal injury, death or property damage during the trip, up to €250,000, included in all tiers.
Section: Che cosa è assicurato? > Responsabilità Civile verso Terzi
Massimale: fino ad € 250.000.
Legal expenses reimbursement
€10K
Reimbursement of legal costs and fees incurred by the insured in legal proceedings for compensation following accident or death of the insured, up to €10,000, included only in the Oro tier.
Section: Che cosa è assicurato? > Rimborso delle Spese Legali (inclusa nel livello Oro)
Massimale: fino ad € 10.000.
24/7 assistance operations centre
Covered
Multilingual 24/7 assistance provided through the Euro Center Holding SE operations centre (+39 02 00 62 02 98) for medical emergencies, hospital transfer, repatriation and other assistance needs.
Section: OBBLIGHI IN CASO DI EMERGENZA MEDICA
CENTRALE OPERATIVA attiva 24 ore su 24 Euro Center Holding SE Tel: +39 02 00 62 02 98
Key conditions
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, and terminal illnesses diagnosed before purchase, are excluded.
SourcePage 1Section: Che cosa non è assicurato?
Malattie terminali diagnosticate prima della stipula, malattie preesistenti e malattie croniche.
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.
Direct payment
Medical and hospital expenses incurred abroad are settled by direct payment to healthcare providers where possible, subject to prior contact with the 24/7 operations centre (Euro Center Holding SE); otherwise, expenses are reimbursed after return to Italy upon submission of original receipts. A deductible of €80 per person per event applies to the Medical Expenses guarantee, unless the optional deductible waiver is purchased.
Territorial scope
Trip must depart from and return to Italy, with a minimum displacement of 100 km from the insured's domicile; medical expenses are covered abroad (with a limited sub-cover also available in Italy for VSE24C); the insurer does not cover destinations subject to Ministry of Foreign Affairs travel advisories or international embargoes/sanctions.
Documents
DIP Danni and DIP Aggiuntivo Viaggi Sicuri Individuale e Famiglia VSE24C (opens in a new tab)
Product information sheet · PDF
Condizioni di Assicurazione ERGO Reiseversicherung AG / Viaggi Sicuri VSE24C (opens in a new tab)
Terms & conditions · PDF
Condizioni di Polizza Viaggi Sicuri VSE24B (previous edition) (opens in a new tab)
Terms & conditions · PDF
Policy specifics
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
SourceThird-party source, not the insurer's documentPage 1Section: Che cosa è assicurato? > Assistenza Sanitaria in viaggio
Lei è assicurato in caso di ricovero ospedaliero, trasporto/rientro sanitario previo consenso medico, necessità di prolungamento del soggiorno a seguito di malattia o infortunio...
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
SourceSection: Tipologie di assicurazione viaggio singolo
Interruzione viaggio – € 1.000 € 2.000
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
SourceSection: Tipologie di assicurazione viaggio singolo
Copertura bagaglio – € 1.000 € 2.000
Optional deductible waiver
Optional add-on (€9 per person) to waive the standard deductible/excess that would normally apply to covered claims
SourcePersonal 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
SourceThird-party source, not the insurer's documentPage 1Section: Che cosa è assicurato? > Infortuni personali (inclusa nei livelli Argento/Oro)
Lei è assicurato in caso di infortunio accidentale, violento ed esterno che Le causa nei successivi 12 mesi Invalidità Permanente o Morte.
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
SourceThird-party source, not the insurer's documentPage 2Section: Che cosa è assicurato? > Sport Invernali (opzionale)
Lei è coperto per i costi del Pacchetto Sci in caso di Interruzione del viaggio, Rientro sanitario o malattia/infortunio occorsi durante il viaggio.
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.
SourceClause Garanzia APage 1Section: Garanzia A - Spese Mediche > Massimali
Massimale per spese mediche all'estero € 1 milione € 5 milioni € 8 milioni / Massimale Italia € 1.000 € 3.000 € 5.000
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.
SourceClause Garanzia BPage 2Section: Garanzia B – Assistenza nelle emergenze sanitarie
La Società fornisce Assistenza 24 ore su 24 tramite la Centrale Operativa Euro Center Holding SE per le seguenti prestazioni: a) Trasferimento Ospedaliero – Massimali... Illimitato
Maximum trip duration
Individual policies are valid for a single trip with maximum duration of 365 consecutive days
SourceSection: Requisiti della polizza viaggio singolo
il viaggio deve essere unico , con una durata massima di 365 giorni consecutivi e partenza e rientro in Italia
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
SourcePage 1Section: Che cosa è assicurato?
Polizza Individuale: valida per un unico viaggio con durata massima di 365 giorni, il limite d'età assicurabile è di 75 anni compiuti. Polizza Famiglia: destinata ai nuclei familiari costituiti da uno o entrambi i genitori che viaggiano con un numero illimitato di figli di età pari o inferiore a 17 anni.
Residency requirement
Policies are available only to residents or domiciled persons in Italy, San Marino, or Vatican City
SourcePage 6Section: Ci sono limiti di copertura? > Limitazioni specifiche > Polizza Individuale
Stipulata esclusivamente da persone domiciliate o residenti in Italia.
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
SourcePage 11Section: Che obblighi ho? Quali obblighi ha l'impresa? > Spese mediche
Chiamare immediatamente la Centrale Operativa Euro Center Holding SE (per conto di ERGO Assicurazione Viaggi) al numero +39.02.00.62.02.98 prima del ricovero ospedaliero, pronto soccorso e visite ambulatoriali.
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.
SourcePage 13Section: Che obblighi ho? Quali obblighi ha l'impresa? > Infortuni personali
L'Assicurato o gli aventi diritto devono consentire, in ogni caso, alla Centrale Operativa le indagini, le valutazioni e gli accertamenti anche di carattere medico sulla persona dell'Assicurato...
Right of withdrawal
Policyholder may withdraw from the contract within 14 days of issuance, provided the trip has not yet begun
SourcePage 2Section: Come posso disdire la polizza?
Qualora la presente assicurazione non soddisfi le esigenze dell'assicurato, questi potrà comunicare a Viaggi Sicuri la propria dichiarazione di recesso entro 14 giorni dalla data di emissione della polizza ed anteriormente all'inizio del viaggio prenotato dall'assicurato.
Sources
- img.gruppomol.ithttps://img.gruppomol.it/cercassicurazioni/documents/set-informativo-polizza-viaggio-singolo-viaggisicuri.pdf?v=20250307#page=1(opens in a new tab)
- img.gruppomol.ithttps://img.gruppomol.it/cercassicurazioni/documents/set-informativo-polizza-viaggio-singolo-viaggisicuri.pdf?v=20250307#page=2(opens in a new tab)
- viaggisicuri.comhttps://viaggisicuri.com/polizza-individuale/(opens in a new tab)
- viaggisicuri.comhttps://viaggisicuri.com/wp-content/uploads/2024/07/Condizioni_Polizza-VSE24B-Individuale-Famiglia.pdf#page=11(opens in a new tab)
- viaggisicuri.comhttps://viaggisicuri.com/wp-content/uploads/2024/07/Condizioni_Polizza-VSE24B-Individuale-Famiglia.pdf#page=7(opens in a new tab)
- viaggisicuri.comhttps://viaggisicuri.com/wp-content/uploads/2025/01/Set-Informativo-Ind-Fam-VSE24C.pdf#page=1(opens in a new tab)
- viaggisicuri.comhttps://viaggisicuri.com/wp-content/uploads/2025/01/Set-Informativo-Ind-Fam-VSE24C.pdf#page=13(opens in a new tab)
- viaggisicuri.comhttps://viaggisicuri.com/wp-content/uploads/2025/01/Set-Informativo-Ind-Fam-VSE24C.pdf#page=2(opens in a new tab)
- viaggisicuri.comhttps://viaggisicuri.com/wp-content/uploads/2025/01/Set-Informativo-Ind-Fam-VSE24C.pdf#page=23(opens in a new tab)
- viaggisicuri.comhttps://viaggisicuri.com/wp-content/uploads/2025/01/Set-Informativo-Ind-Fam-VSE24C.pdf#page=3(opens in a new tab)
- viaggisicuri.comhttps://viaggisicuri.com/wp-content/uploads/2025/01/Set-Informativo-Ind-Fam-VSE24C.pdf#page=4(opens in a new tab)
- viaggisicuri.comhttps://viaggisicuri.com/wp-content/uploads/2025/01/Set-Informativo-Ind-Fam-VSE24C.pdf#page=5(opens in a new tab)
Viaggi Sicuri Travel insurance