Zurich Travel insurance (Viaggiare Nel Mondo)
Underwritten by Zurich Insurance Europe AG - Rappresentanza Generale per l'Italia · Italy
travel insurance from Zurich for the Italy market, with online purchase and 24/7 assistance.
Verified Aug 31, 2026 · Terms dated 2024-03Sources
Key facts
- Zurich
Unique selling points
Fixed, pre-agreed indemnity for death or permanent disability caused by an accident during the trip.
24/7 assistance network managed by Mapfre Asistencia arranging health-related repatriation and dispatch of a doctor whenever needed.
Medical expense reimbursement specifically positioned for trips to countries without a healthcare agreement with Italy, where hospitalization can otherwise be very costly.
Baggage protection against theft and robbery plus reimbursement for delayed baggage delivery.
Coverage limits
Medical expenses reimbursement
Covered
The sum insured/ceiling for medical expenses reimbursement is chosen by the policyholder at subscription according to the selected geographic combination (Italia, Europa, Mondo) and formula; claims are subject to a fixed absolute deductible of EUR 50, as illustrated by the policy's numerical deductible example (sum insured 1,000 EUR, claim 500 EUR).
Emergency medical coordination
Covered
The Assistance guarantee, provided through Mapfre Asistencia, includes the search for and dispatch or referral of a doctor in case of need during the trip.
Section: Zurich Viaggiare nel Mondo in dettaglio > Garanzie previste
La copertura, prestata grazie ai servizi di Mapfre Asistencia, garantisce il rientro per ragioni sanitarie, l’invio o la segnalazione di un medico in caso di necessità e altri servizi.
Hospitalization costs
Covered
Hospitalization costs abroad are reimbursed under the medical expenses guarantee, which is particularly important when traveling to countries not affiliated with the national health service, where hospital admission can be very costly.
Section: Zurich Viaggiare nel Mondo in dettaglio > Garanzie previste
La copertura è indispensabile soprattutto se si viaggia in paesi non convenzionati con il servizio sanitario nazionale dove un eventuale ricovero può essere molto costoso.
Outpatient treatment
No limit stated
No specific outpatient treatment sub-limit was found in the reviewed documents.
Emergency dental care
No limit stated
No specific emergency dental cover was found in the reviewed documents.
Medical transport
Covered
The Assistance guarantee, delivered through Mapfre Asistencia's Struttura Organizzativa, arranges health-related return and transport services during the trip.
Section: Zurich Viaggiare nel Mondo in dettaglio > Garanzie previste
La copertura, prestata grazie ai servizi di Mapfre Asistencia, garantisce il rientro per ragioni sanitarie, l’invio o la segnalazione di un medico in caso di necessità e altri servizi.
Medical evacuation
Covered
The Assistance guarantee covers health-related repatriation/early return from the trip, organized by Mapfre Asistencia.
Section: Zurich Viaggiare nel Mondo in dettaglio > Garanzie previste
La copertura, prestata grazie ai servizi di Mapfre Asistencia, garantisce il rientro per ragioni sanitarie, l’invio o la segnalazione di un medico in caso di necessità e altri servizi.
Repatriation of remains
No limit stated
No explicit repatriation-of-remains limit was found in the reviewed sections of the policy documents.
Search and rescue
No limit stated
No specific search-and-rescue guarantee was found in the reviewed documents.
COVID-19 treatment
No limit stated
No dedicated COVID-19 treatment provision was found; only a Cyberterrorism exclusion is referenced within the Assistance section.
Pre-existing conditions
Excluded
The policy excludes chronic and pre-existing illnesses, defined as any condition diagnosed, hospitalized, or treated in the 12 months before departure.
Winter sports cover
No limit stated
The reviewed documents do not clearly state standard winter sports coverage; acrobatic/professional skiing falls under the dangerous-activities exclusion.
Adventure/dangerous sports cover
Excluded
Coverage excludes injuries from dangerous sports, including mountaineering beyond grade 3, professional sports, aerial activities, boxing, martial arts, freeclimbing, whitewater descent, acrobatic skiing, and bungee jumping.
Pregnancy complications
No limit stated
No specific provision on pregnancy complications was found in the reviewed documents.
Personal liability
No limit stated
Personal liability is not among the four guarantee sections of this product (Infortuni, Assistenza, Malattia, Furto); no personal liability provision was found in the reviewed documents.
Legal assistance abroad
Covered
Legal referral/assistance abroad is included under the Assistance guarantee (Segnalazione legale all'estero), alongside advance of first-necessity expenses and criminal bail advance; these benefits require adequate guarantees of repayment.
Key conditions
Assistance call deadline
The reviewed documents do not state a fixed deadline for contacting the assistance center, but prior contact with Mapfre Asistencia's Struttura Organizzativa is generally required to organize medical transport, repatriation, or dispatch of a doctor.
Unauthorized treatment
Where the Struttura Organizzativa cannot be contacted in advance, expenses incurred are reimbursed only up to EUR 1,500 per claim and for the duration of the policy.
Purchase while abroad
Not explicitly addressed in the reviewed documents; insured persons under the Individual, Family Group, and Group formulas must be resident in Italian territory.
Chronic conditions
Chronic and pre-existing illnesses, defined as any condition diagnosed, hospitalized, or treated in the 12 months before departure, are excluded from the medical expenses and assistance guarantees.
Pregnancy
Not specifically addressed in the reviewed Zurich Viaggiare nel mondo documentation.
Pre-existing condition exclusions
Chronic and pre-existing illnesses diagnosed, hospitalized, or treated in the 12 months before departure are excluded from cover.
Coverage duration limit
The policy does not renew automatically at natural expiration; the duration is fixed as stated in the policy and a new policy must be purchased for continued coverage.
Direct payment
Assistance services (medical transport, health-related repatriation, dispatch of a doctor) are organized and paid for directly by the Company through Mapfre Asistencia's Struttura Organizzativa; medical expense reimbursement claims are settled after the event, subject to a fixed absolute deductible of EUR 50.
Territorial scope
Coverage under the Accident section applies worldwide, though degree-of-disability assessments and claims settlement are carried out in Italy and in current local currency; assistance guarantees do not operate in countries in a state of war or civil unrest.
Documents
Viaggiare nel mondo - Insurance Contract - Conditions of Insurance (P.1950.CGA - ED. 05.2019) (opens in a new tab)
Terms & conditions · PDF
Viaggiare nel mondo - Conditions of Insurance and Additional Precontractual Information Document (P.1950.CGA ed.11.2020-R.03/24; P.1950.DIP ed.05.2019; P.1950.DPA ed.06.2025) (opens in a new tab)
Product information sheet · PDF
Viaggiare nel mondo - Insurance Contract - Complete Information Package (opens in a new tab)
Other document · PDF
Policy specifics
Medical expenses reimbursement
Coverage for medical expenses incurred during travel abroad, especially in non-SSN-affiliated countries
SourceSection: Zurich Viaggiare nel Mondo in dettaglio > Garanzie previste
La copertura è indispensabile soprattutto se si viaggia in paesi non convenzionati con il servizio sanitario nazionale dove un eventuale ricovero può essere molto costoso.
Health-related return service
Assistance service for health-related repatriation or early return from trip
SourceSection: Zurich Viaggiare nel Mondo in dettaglio > Garanzie previste
La copertura, prestata grazie ai servizi di Mapfre Asistencia, garantisce il rientro per ragioni sanitarie, l’invio o la segnalazione di un medico in caso di necessità e altri servizi.
Medical services coordination and dispatch
Emergency coordination and dispatch of medical personnel if needed during travel
SourceSection: Zurich Viaggiare nel Mondo in dettaglio > Garanzie previste
La copertura, prestata grazie ai servizi di Mapfre Asistencia, garantisce il rientro per ragioni sanitarie, l’invio o la segnalazione di un medico in caso di necessità e altri servizi.
Preexisting conditions exclusion
Policy explicitly excludes chronic and preexisting illnesses defined as any condition diagnosed, hospitalized, or treated in the 12 months before departure
SourceNo trip cancellation coverage
Policy does not include any trip cancellation or interruption benefit
SourceGeographic coverage tiers
Three geographic combinations available: Italia, Europa, and Mondo (World) with different coverage limits and premium tiers
SourceHigh-risk countries exclusion
Coverage excludes events in countries designated as high-risk by Italian Ministry of Foreign Affairs (check viaggiaresicuri.it)
SourceDangerous sports exclusion
Coverage excludes injuries from dangerous sports including mountaineering beyond grade 3, professional sports, aviation activities, etc.
SourceNo automatic renewal
Contract does not automatically renew at natural expiration; new policy must be purchased for continued coverage
SourceItalian residency requirement
Insured persons must be residents of Italian territory; family group formula limited to members of same household
SourceSingle premium payment
Premium must be paid as single upfront payment at subscription; no installment or deferred payment options available
SourceIndirect reimbursement model for medical expenses
Insurer may reimburse policyholder after claim approval and supporting documentation; direct settlement not guaranteed.
SourceClaim notice period
Insured or beneficiaries must notify occurrence of claim within 5 days from event, or as soon as possible, and in no case later than one year from policy expiration
SourceMaximum indemnity aggregate cap
Total indemnity payment cannot exceed sum insured in policy; all indemnities and reimbursements across all guarantees must fit within this limit
Source