Travel Insurance for Italy

Italy Flag


to Italy!

Italy, a country steeped in history, art, and culinary delights, invites you to immerse yourself in its vibrant culture and breathtaking landscapes. From the ancient ruins of Rome to the picturesque canals of Venice and the rolling vineyards of Tuscany, Italy offers a tapestry of experiences that will captivate your senses.

While traveling abroad can be exciting, it can also bring some uncertainty. Travel insurance for Italy can help ensure that you are protected against the unexpected during your travels.


What Is Italy Travel Insurance?

Travel insurance for Italy can provide a vital safeguard and peace of mind as you explore the country.

There are two main choices for Italy travel insurance - travel medical insurance, which offers coverage for unexpected medical expenses, and trip insurance, which protects your trip costs.

Travel Medical Insurance for Italy

A travel medical insurance plan for a trip to Italy can offer financial coverage if you need to seek medical attention for a new injury or sickness that occurs abroad.

Visitors to Italy are not eligible to receive free healthcare, and will likely have to pay upfront and out-of-pocket for any medical attention they receive during their travels if an accident or sickness were to occur.

With an Italy travel medical insurance policy, you may still have to pay upfront for any treatment or services, but you will be able to file a claim for reimbursement with the travel insurance provider afterwards.

Italy travel medical insurance can offer coverage for:

  • Emergency medical treatment
  • Surgery
  • Hospitalization
  • Prescription medication
  • Emergency medical evacuation
  • Repatriation of remains

Trip Insurance for Italy

Trip insurance is another type of travel insurance that can offer specific protection for your travel-related expenses.

Trip insurance provides coverage for your trip's prepaid and nonrefundable expenses including hotel, accommodations, flight, transportation, tours, and more.

This means that if your trip is canceled or delayed for a covered reason, you can receive reimbursement for eligible lost expenses.

Italy trip insurance can offer coverage for:

  • Trip cancelation
  • Trip delay
  • Trip interruption
  • Baggage delay, loss, or damage
  • Emergency medical evacuation
  • Accident and sickness
  • Rental car collision
Not sure which plan to choose between trip insurance and travel medical insurance? Learn more about the differences between the two.

Frequently Asked Questions About Travel Insurance for Italy

Q: Do I need travel insurance for italy?

U.S. citizens traveling to Italy are not required to obtain travel insurance if their stay is 90 days or less. However, travel insurance is highly recommended as it can provide coverage for emergency medical expenses abroad in the event of your illness or an injury.

Q: Is travel insurance required for italy?

Travel insurance may be required to travel to Italy, depending on your home country. If you need to obtain a Schengen visa to travel to Italy, it is required that you obtain a travel insurance policy that meets Schengen visa requirements.

Q: How much is travel insurance to italy?

The cost of Italy travel insurance will depend upon a number of factors, including your age, length of your trip, plan you choose, and your policy maximum and deductible amounts. Get an Italy travel insurance quote to compare your options.

Q: Should I buy travel insurance for italy?

Travel insurance for Italy can give you the ultimate peace of mind on your travels. With just a small upfront investment, you can have protection for medical expenses abroad and/or your trip expenses if you opt for a trip insurance plan.

Q: What insurance is needed for Italy?

The type of travel insurance needed for Italy will vary, depending on your individual wants and needs. If you have significant prepaid and nonrefundable trip expenses that you want to protect, trip insurance is an excellent option. If you want to ensure that you have proper medical coverage in Italy, a travel medical insurance plan may be best.

Q: Can tourists get healthcare in Italy?

Tourists do not qualify for free healthcare in Italy, however, anyone can visit a healthcare provider in Italy and receive treatment, regardless of their nationality. It is important to note that non-citizens will typically have to pay out-of-pocket for any healthcare received. With a travel insurance plan, you can file a claim for reimbursement for these expenses paid.

Q: What is the best travel insurance for Italy?

The best travel insurance for Italy will vary based on your needs. The best course of action is to compare plans to find a policy that fits your budget and has the coverage you need for your trip.

Italy Travel Insurance Requirements

If you are a U.S. citizen traveling to Italy for up to 90 days, you are not required to obtain a Schengen visa or travel insurance.

For non-U.S. citizens, depending on your home country, you may be required to obtain a Schengen visa to visit Italy, which requires getting a travel insurance plan for your trip that meets the following Schengen visa travel insurance requirements:

  • Coverage for emergency medical care, hospitalization, medical evacuation, and repatriation of remains.
  • Valid coverage for the entirety of your stay.
  • Minimum coverage amount of EUR 30,000.
Learn more about Schengen visa requirements.

How Popular Is Traveling to Italy?

Italy is one of the most popular international destinations, with its rich culture, scenic beauty, incredible cuisine, and famous attractions.

According to the Statista Research Department, the total number of international visitors to Italy in 2023 reached beyond 85 million. However, Italy's inbound tourism was previously much higher, surpassing 96 million in 2019.

The 2020 COVID-19 pandemic caused the number of international visitors to Italy to drop to more than half of its previous year's numbers in 2020 at just 38 million.

Since 2020, Italy has seen a steady rise in international visitors again and is likely to reach pre-pandemic numbers in the next few years.

When Is It Cheapest to Travel to Italy?

Traveling to Italy is cheapest outside of its peak season during the summer months. Travelers can begin to see prices for flights and hotels become lower at the start of late fall, in November through early December.

Aside from major holidays such as Christmas and New Years, the winter is also a slower season for traveling to Italy, particularly from January to March. During this time, you'll be able to find some incredible deals on flights and accommodations, even in major cities such as Rome or Venice.

What to Know Before Your Trip to Italy

Before you embark on your Italian adventure, it is important to make note of the following information to ensure a smooth journey:

  • Make sure that your passport is valid for at least six months beyond your planned departure date.

  • Check for any visa requirements based on your home country. Citizens of EU, US, Canada, Australia, and many other countries are not required to obtain a visa for stays up to 90 days.

  • Italy uses the Euro currency. Credit and debit cards are widely accepted, but you should contact your bank ahead of your trip to inform them of your travels to avoid issues. Additionally, there may be some foreign transaction fees involved. It is always a good idea to carry some cash with you, especially in smaller towns.

  • Italians typically eat a very light breakfast, a substantial lunch, and a late dinner. Most restaurants are closed between lunch and dinner, usually between 2 and 7pm.

Visa and Travel Information

Health and Safety

Here is some important information about healthcare facilities, insurance, and general safety precautions in Italy:

  • Italy has a well-developed healthcare system, with hospitals and medical facilities available throughout the country.
  • It is recommended to have travel insurance that covers medical expenses and emergency evacuation.
  • Pharmacies, known as "Farmacia," can provide over-the-counter medications and basic health advice.
  • In case of emergencies, dial 112 to reach emergency services in Italy.
  • If you need assistance at any time, you can visit the U.S. Embassy Rome for information.


Tips and advice for staying safe and protecting personal belongings while traveling in Italy:

  • Italy is generally a safe country, but it is always advisable to take basic safety precautions.
  • However, it is always wise to take basic safety precautions and keep an eye on your belongings.
  • If you encounter any emergencies or need assistance, contact the local police by dialing 112.
  • Be cautious of pickpocketing and bag snatching, particularly in busy urban centers or popular tourist spots.
  • Consult the U.S. Department of State for current travel advisories.

Transportation Security

Here are some details about security measures at airports, train stations, and other transportation hubs in Italy:

  • Be prepared for security checks, such as baggage screening and personal searches, when traveling.
  • Use reputable and licensed transportation providers.
  • Utilize well-lit and secure areas when waiting for transportation and do not get into any unmarked vehicles.
  • Follow the instructions of security personnel and cooperate during the screening process to ensure a smooth travel experience.
  • Report any suspicious activities or unattended baggage to the appropriate authorities.

Road Safety

Guidelines for safe driving in Italy, including traffic rules, speed limits, and precautions for various road conditions:

  • When driving in Italy, familiarize yourself with road conditions, weather forecasts, and safety guidelines.
  • Be cautious of narrow and winding roads, especially in rural areas or historic city centers.
  • Avoid drinking and driving, and always wear seatbelts.
  • Follow road signs and be aware of pedestrian crossings and cyclists.

Wildlife and Nature

Information on responsibly enjoying Italy's wildlife and natural landscapes, including hiking guidelines and safety tips:

  • Italy is home to diverse wildlife and stunning natural landscapes, including national parks and coastal areas.
  • Respect wildlife and maintain a safe distance while observing animals in their natural habitats.
  • Follow designated hiking trails and respect any guidelines or restrictions set by local authorities.
  • Be cautious of fire hazards during dry seasons and ensure proper disposal of waste in natural areas.

Natural Disasters

Awareness about potential severe weather events in Italy and how to stay informed and prepared:

  • Italy is occasionally prone to natural disasters such as earthquakes and volcanic activity.
  • Stay informed about weather conditions and follow local weather forecasts or warnings provided by authorities.
  • In case of severe weather, follow safety instructions and seek shelter as advised.
Please note that the content provided is intended as a general overview, and it is always recommended to stay updated on the latest information and follow local guidelines and regulations during your visit.

What to Do if You Are Injured or Ill in Italy

Getting injured or falling ill abroad can be a scary experience, especially if you are unsure of what to do next.

If you do find yourself suffering from a sickness or accident, you should first assess your overall condition. If your ailment or injury is an emergency or life-threatening, visit the nearest hospital or call 112 for emergency assistance.

If your condition isn't an emergency, you may opt for a doctor's appointment or visiting a walk-in or urgent care center.

If you have to pay for your treatment out-of-pocket but have travel insurance, be sure to keep any payment receipts, a copy of treatment received, doctor's notes, your diagnosis, and any other applicable documents. You will need this information to file your claim later for reimbursement for your eligible medical expenses.

Travel Resources for Italy

For more detailed and up-to-date information on travel in Italy, including visa requirements, local customs, and current travel advisories, please visit the official website of the Italian National Tourist Board.

May your time in Italy be adorned with unforgettable moments and a deep appreciation for its captivating culture and enduring beauty!