Vittoria Assicurazioni S.p.A.
Vittoria Assicurazioni
Vittoria Assicurazioni is a travel insurance for the Italy market with no online purchase and 24/7 assistance.
Direct payment
The reviewed sources do not specify whether direct/cashless payment to healthcare providers abroad is available under this specific policy; the Assistenza section coordinates foreign physicians and, for hospitalization, may arrange early repatriation.
Geographic scope
Worldwide, with specific territorial exclusions as stated in the policy conditions
Not specified with exact geographic limits in the reviewed sources; policy is marketed for tourism, study, and business trips abroad
Unique selling points
- Fully modular structure lets travelers combine only the guarantee sections they need (medical expenses, baggage, theft, accident, third-party liability, legal protection).
- Optional COVID-19 extension reimburses testing and forced stay-prolongation costs incurred during the trip.
- Unusual for a travel policy, it can also cover fire damage to the traveler's home while they are away.
- Assistance service arranges a trusted local foreign physician plus an interpreter to overcome language barriers during medical emergencies abroad.
- Includes a dedicated Legal Protection (Tutela Legale) section as a selectable guarantee, uncommon among standard travel policies.
Coverage limits
Medical Expenses Reimbursement
Optional
No limit stated
Reimbursement of medical expenses incurred by the Insured for urgent healthcare or medical interventions following an accident or sudden illness during tourism, study, or business trips; selectable as one of the combinable guarantee sections.
Emergency Medical Treatment / Assistance
Optional
No limit stated
Assistance and emergency intervention services made necessary by an accident or sudden illness occurring during the trip, including referral to a trusted foreign physician and an interpreter if needed.
Hospitalization Expenses
Optional
No limit stated
The medical insurance follows the client's hospital stay abroad in order to organize an early return to Italy if necessary, as part of the reimbursement of medical/hospital expenses.
Outpatient Treatment
No limit stated
Not separately detailed in the reviewed sources for this product.
Emergency Dental Care
No limit stated
Not separately detailed in the reviewed sources for this product.
Medical Transport
Optional
No limit stated
Assistance services coordinate transport arrangements for the Insured following an accident or sudden illness during the trip, within the Assistenza section.
Medical Evacuation / Early Repatriation
Optional
No limit stated
The Assistenza section organizes the Insured's early return to Italy following hospitalization abroad, when necessary.
Repatriation of Remains
No limit stated
Not explicitly detailed in the reviewed sources for this product.
COVID-19 Treatment / Extension
Optional
No limit stated
Optional COVID-19 extension covering costs such as testing and prolonged stay needs arising during the trip.
Personal / Third-Party Liability
Optional
No limit stated
Indemnifies the Insured for damage unintentionally caused to third parties as a result of an accidental event occurring during the trip; selectable as a combinable guarantee section (R.C.T.).
Legal Assistance
Optional
No limit stated
Legal protection is offered as one of the selectable guarantee sections of the Assicurazione Viaggi product ('Condizioni di Assicurazione Tutela Legale').
24/7 Assistance Service
Optional
No limit stated
Assistance and emergency intervention services made necessary by an accident or sudden illness during the trip, including a trusted foreign physician and interpreter support.
Key conditions
Assistance call deadline
The reviewed sources do not specify a deadline for contacting the operations centre before receiving medical assistance abroad.
Unauthorized treatment
The reviewed sources do not specify a penalty for undergoing treatment without prior authorization from the operations centre.
Purchase while abroad
The reviewed sources do not specify whether the policy can be purchased while already abroad.
Chronic conditions
The reviewed sources do not specify treatment of chronic diseases under this policy.
Pregnancy
Vittoria Assicurazioni's own blog content recommends that pregnant women traveling take out a health policy covering hospitalization and repatriation needs, but the reviewed sources do not specify the exact gestational week limits or contractual exclusions relating to pregnancy under the travel policy.
Pre-existing condition exclusions
The reviewed sources do not specify treatment of pre-existing conditions under this policy.
Coverage duration limit
The reviewed sources do not specify an exact maximum trip duration in days, but Vittoria Assicurazioni's travel product line includes distinct 'Soggiorni Prolungati' (prolonged/extended stay) variants alongside the standard Classic, Medium and Elite tiers, indicating the standard packages have a defined duration limit beyond which a separate extended-stay formula must be chosen.
Policy specifics
Medical Expenses Reimbursement
Coverage for medical expenses incurred abroad for emergency medical care, hospitalization, dental care, pharmacy, and urgent medical interventions resulting from illness or injury during travel
SourceFlight Cancellation Coverage
Reimbursement for cancellation penalties and flight costs in case of unexpected trip cancellation
SourceBaggage and Personal Effects Protection
Coverage for loss, theft, or damage to baggage during travel with limits per item category
SourceCOVID-19 Extension Coverage
Optional extension covering mandatory stay prolongation due to COVID-19 infection during travel
SourceThird Party Liability Coverage
Protection against liability for unintentional damage caused to third parties during travel
SourceWorldwide Coverage Applicability
Coverage applies globally with specific territorial exclusions noted in policy conditions
SourceModular Coverage Selection
Policyholders can combine different coverage sections individually to customize protection according to personal travel needs
SourceMedical Network Services
Policy includes assistance in locating foreign physicians, translator services for language barriers, and coordination of hospital stays and early repatriation if necessary
SourceEU Health Card Coverage
Travel Insurance works in conjunction with EU Health Insurance Card (TEAM) for access to medical services in EU, EEA countries and Switzerland
SourceSources
- https://vittoriaassicurazionicuneoparola.it/news/assicurazioni-viaggi-sceglila-per-tutte-le-tue-vacanze-allestero/
- https://www.vittoriaassicurazioni.com/blog/famiglia/assicurazione-sanitaria-viaggi-allestero/
- https://www.vittoriaassicurazioni.com/prodotti/privati/auto/assicurazione-viaggi/
- https://www.vittoriaassicurazioni.com/prodotti/privati/auto/vittoria-con-te-viaggi/