What are the best travel insurances for Italy in 2025?
- The best travel insurances for Italy
- Is it currently safe to travel to Italy?
- Is Travel Insurance Required for a Visa to Italy?
- The importance of travel insurance for Italy
- Coverage Included in Travel Insurance for Italy
- The cost of travel insurance for Italy
- How to pay less for your travel insurance to Italy
- Will my current insurance cover me in Italy?
- FAQ
Travel insurance for Italy: key takeaways
1. Definition: Travel insurance for Italy covers medical emergencies, trip cancellation, and other unforeseen events.
2. Key protection: Insurance is not required for US citizens, but it protects against high overseas medical costs.
3. Healthcare cost: A hospital stay in Italy can cost foreign visitors over $500 per night without insurance.
4. Price: A one-week travel insurance plan for Italy typically costs between $30 and $70.
5. Good to know: Your US health plan, including Medicare, likely provides little to no coverage in Italy.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 42 travel insurance policies available in the US, our experts share everything you need to know to choose the best travel insurance for Italy.
The best travel insurances for Italy
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1M | Top choice for Italy, suitable for every traveler. - high medical cover - reliable evacuation - full support for emergencies |
| Cap Assistance 24/24 | $1M | A safe option for US visitors to Italy. - 24/7 medical helpline - no deductible - simple claim process |
| Tourist Card | $500k | Recommended for city tours and leisure trips. - strong medical cover - emergency assistance - competitive pricing |
| Travel Pass Monde | $700k | Flexible protection in Italy for a range of trips. - hospital treatments - repatriation - prompt claim handling |
| Globe Partner | $300k | Good basic protection for extended stays. - medical abroad - civil liability - covers repatriation |
| Globe Traveller | $500k | Affordable plan for shorter and low-risk trips. - emergency medical coverage - easy reimbursement - limited maximum |
- high medical cover
- reliable evacuation
- full support for emergencies
- 24/7 medical helpline
- no deductible
- simple claim process
- strong medical cover
- emergency assistance
- competitive pricing
- hospital treatments
- repatriation
- prompt claim handling
- medical abroad
- civil liability
- covers repatriation
- emergency medical coverage
- easy reimbursement
- limited maximum
Is it currently safe to travel to Italy?
As of June 2025, the US Department of State advises travelers to Italy to exercise increased caution, primarily due to the ongoing risk of terrorism and petty crime in urban centers and tourist hotspots.
Here are their four main recommendations.
- Security risks: terrorism remains a threat, especially in crowded places such as major city centers, airports, and during large public events. For example, pickpocketing and scam incidents are frequent around Rome’s Termini Station and Florence’s Duomo.
- Health risks: no mandatory vaccinations are required. However, access to quality care can be harder outside major cities. US insurance plans do not cover costs in Italy, so medical expenses must be paid out of pocket.
- Legal constraints: it is illegal to purchase counterfeit goods, and fines are regularly enforced, notably in markets in Naples and along the Amalfi Coast. Laws around public drinking and noise at night are also strictly applied in many regions.
- Environmental hazards: Italy is seismically active, with earthquake risks in central regions such as Umbria and Abruzzo. Volcanic activity near Naples and Catania can disrupt travel, as with recent alerts at Mount Etna.
Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Italy.
Is Travel Insurance Required for a Visa to Italy?
No, travel insurance is not mandatory for US citizens traveling to Italy for stays of less than 90 days.
Even if it is not required for visa-free travel, travel insurance is highly recommended because US health plans, including Medicare and Medicaid, do not provide coverage in Italy. Medical care and emergency repatriation can be very expensive in the event of illness or an accident, and many providers require payment up front.
According to our data, 50% of travelers purchase travel insurance before going to Italy. Many do so because of high out-of-pocket medical costs and the risk of unexpected emergencies.
The importance of travel insurance for Italy
It is an essential financial and medical protection for anyone going to Italy.
In Italy, while public hospitals in major cities like Rome (Policlinico Umberto I) or Milan (Ospedale San Raffaele) offer good emergency care, foreigners are often required to pay out-of-pocket or use private clinics such as Humanitas in Milan, where fees can be substantial. Private healthcare, especially in tourist regions or for urgent treatments, can quickly become expensive.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport and emergency repatriation to the US in the event of a serious incident.
Here are some examples of healthcare costs in Italy.
| Example of medical treatment | Cost at Humanitas Clinic Milan | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | €2,500 (approx. $2,700) | up to full reimbursement |
| I broke my tibia (X-ray, cast, and crutch rental) | €1,200 (approx. $1,300) | up to full reimbursement |
| I need to be repatriated | €30,000 (approx. $32,000) | up to full reimbursement |
| I have appendicitis (consultation and surgery) | €8,000 (approx. $8,600) | up to full reimbursement |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
Coverage Included in Travel Insurance for Italy
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers emergency medical treatment due to illness or accident, including doctors, hospitalization, and medicines. We recommend a reimbursement limit of at least $100,000 for Italy. |
| 🚑 Medical evacuation and repatriation | Covers emergency transport to the US or nearest qualified facility if needed, particularly after serious injury. Minimum recommended limit: $250,000. |
| ✈️ Trip cancellation and interruption | Reimburses prepaid expenses if you cancel or cut your trip short due to illness, accidents, or emergencies. A reimbursement limit of at least $5,000 is advised. |
| 🧳 Lost, stolen or damaged baggage | Pays for lost or damaged luggage, including essential items. A limit of $1,500–$2,500 per trip is suggested. |
| 🏠 Personal liability | Protects against costs if you accidentally injure someone or damage property. Set a minimum coverage of $50,000. |
| 🦷 Dental emergencies | Covers urgent dental care needed as a result of an accident during the trip. A $500–$1,000 limit is recommended. |
| 🚗 Rental car coverage | Pays excess charges if your rental car is damaged or stolen. Recommended limit: $10,000. |
| 🕵️♂️ Assistance services | 24/7 support for emergencies, translation, or legal referrals in Italy. No specific amount; look for comprehensive assistance features. |
We recommend a reimbursement limit of at least $100,000 for Italy.
Minimum recommended limit: $250,000.
A reimbursement limit of at least $5,000 is advised.
A limit of $1,500–$2,500 per trip is suggested.
Set a minimum coverage of $50,000.
A $500–$1,000 limit is recommended.
Recommended limit: $10,000.
No specific amount; look for comprehensive assistance features.
Travel insurance from local providers or bank cards often comes with low reimbursement limits and many exclusions. For full protection, it's safer to choose a trusted insurer with extensive and transparent coverage. You can compare top options on HelloSafe and subscribe online instantly.
The cost of travel insurance for Italy
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $18–$35 |
| 2 weeks | 45 years old | $35–$60 |
| 1 month | 35 years old | $55–$95 |
| 1 month | 70 years old | $120–$220 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The price of your plan is determined by several key variables. Be sure to consider your age, the duration of your trip, your destination, the amount of coverage, and any optional add-ons like trip cancellation. Keeping these factors in mind is essential to selecting the right policy for your travel needs and budget.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to pay less for your travel insurance to Italy
Here are some suggestions to optimize the cost of your travel insurance to Italy while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🗓️ Trip duration | Premiums increase with trip length. Shorter stays in Italy generally mean lower insurance costs. | Carefully estimate your travel dates and avoid over-insuring additional days you will not need coverage for. |
| 🧑 Traveller’s age | Age is a key pricing factor. Many insurers raise prices for older travelers visiting Italy. | Heymondo does not increase its prices for people over 62, making it a smart choice for seniors seeking stable premiums. |
| 💵 Level of coverage | Higher coverage limits mean higher premiums. Tailoring limits to your actual risks in Italy matters. | Choose adequate coverage for medical, luggage, and liability, but avoid excessive limits you do not really need for your activities. |
| 👨👩👧 Group or family plan | Group rates can be advantageous when traveling to Italy with family or friends. | Look for group policies, as they often offer discounts compared to insuring each person individually. |
| 📱 Policy purchase channel | Buying insurance online is often cheaper than through traditional agents. | Compare quotes and subscribe online to benefit from instant coverage and lower administrative costs. |
| 🏷️ Deductible amount | Higher deductibles lead to lower premiums, but more out-of-pocket costs in case of a claim. | Opt for a higher deductible if you have a good financial cushion, which can cut your premium significantly. |
| 🧳 Excluded activities | Riskier activities like extreme sports increase prices. | Remove unnecessary sports or adventure coverage if you plan a standard sightseeing trip within cities and historical sites. |
Will my current insurance cover me in Italy?
It’s completely legitimate to wonder if your public or private health insurance, or credit card insurance, can protect you when traveling in Italy. Unfortunately, coverage from these sources is often limited or insufficient abroad. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Italy? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance | No, never | No coverage outside the US or its territories. Does not pay for medical, hospital, or repatriation costs in Italy. | Travel insurance offers $100,000+ for medical care and repatriation worldwide. |
| Private health insurance | Yes, partly | Emergency illness or injury reimbursement possible but may require upfront payment. No full repatriation. U.S.-based plans cap support at $10,000. | Travel insurance pays up to $100,000+ medical, with immediate support & local help. |
| Classic credit card (Visa Classic, Mastercard Standard, Discover) | Yes, partly | Emergency medical fees only, maximum $5,000–$10,000. No baggage loss, delays, or trip cancellation. | Travel insurance covers $100,000+ medical, plus luggage, trip cancellation, and more. |
| Premium credit card (Chase Sapphire Preferred, Amex Gold, Citi Prestige) | Yes, partly | Emergency medical up to $50,000–$150,000, trip delay ($500 limit), moderate baggage loss coverage. No evacuation or 24/7 support. | Travel insurance includes $250,000+ medical, $5,000+ trip cancellation, real 24/7 support. |
Example
While riding a Vespa on the Amalfi Coast, Sarah had a bad fall, resulting in a complex leg fracture. Emergency surgery and a hospital stay cost $28,000. Her US health plan denied the foreign claim, and her Visa Signature card only covered $2,000, leaving her with a staggering $26,000 bill.
Expert advice
Always review your existing insurance for its terms, exclusions, and limits. Key situations, like trip interruption for a relative’s illness, may be excluded. Read the policy carefully to avoid surprises abroad. In all cases, it's safer and more reassuring to buy dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Italy?
U.S. citizens do not need a visa to visit Italy for up to 90 days for tourism or business. You must have a passport valid for at least three months beyond your date of planned departure from the Schengen area. Proof of sufficient funds and a return ticket may also be required upon entry.
How do I purchase travel insurance for Italy?
First, compare travel insurance options using the HelloSafe travel insurance comparison tool. Next, check the coverage and exclusions, making sure they match your needs for Italy, like emergency medical and theft protection. Then you can buy your chosen plan online. After your purchase, you will receive your insurance certificate by email.
What risks should I be aware of while traveling in Italy?
Travelers should be aware of pickpocketing and theft, especially in tourist hotspots and on public transportation. There is a continued terrorism risk in crowded areas. It is also wise to monitor local news for strikes, protests, or natural disasters like earthquakes, which occasionally affect certain regions of Italy.
Will travel insurance cover medical emergencies in Italy?
Most travel insurance plans cover medical emergencies such as illness or injury, including hospital stays and doctor visits. Standard policies often provide benefits from $50,000 up to $250,000 for medical costs. Always check policy limits and whether pre-existing conditions or certain activities are excluded from coverage.
Does travel insurance for Italy include 24/7 support services?
Many travel insurance plans offer 24/7 assistance for emergencies, such as helping to find a local doctor or arranging an emergency evacuation. Check that your policy provides global support and has English-speaking representatives to assist you anywhere in Italy.
How soon before my trip should I buy travel insurance for Italy?
It is best to purchase travel insurance at the same time you book your flights and accommodations. Early purchase provides coverage for trip cancellations, changes, or unforeseen events before departure, allowing you to get the full benefits of your protection for Italy.
Do I need a visa to travel to Italy?
U.S. citizens do not need a visa to visit Italy for up to 90 days for tourism or business. You must have a passport valid for at least three months beyond your date of planned departure from the Schengen area. Proof of sufficient funds and a return ticket may also be required upon entry.
How do I purchase travel insurance for Italy?
First, compare travel insurance options using the HelloSafe travel insurance comparison tool. Next, check the coverage and exclusions, making sure they match your needs for Italy, like emergency medical and theft protection. Then you can buy your chosen plan online. After your purchase, you will receive your insurance certificate by email.
What risks should I be aware of while traveling in Italy?
Travelers should be aware of pickpocketing and theft, especially in tourist hotspots and on public transportation. There is a continued terrorism risk in crowded areas. It is also wise to monitor local news for strikes, protests, or natural disasters like earthquakes, which occasionally affect certain regions of Italy.
Will travel insurance cover medical emergencies in Italy?
Most travel insurance plans cover medical emergencies such as illness or injury, including hospital stays and doctor visits. Standard policies often provide benefits from $50,000 up to $250,000 for medical costs. Always check policy limits and whether pre-existing conditions or certain activities are excluded from coverage.
Does travel insurance for Italy include 24/7 support services?
Many travel insurance plans offer 24/7 assistance for emergencies, such as helping to find a local doctor or arranging an emergency evacuation. Check that your policy provides global support and has English-speaking representatives to assist you anywhere in Italy.
How soon before my trip should I buy travel insurance for Italy?
It is best to purchase travel insurance at the same time you book your flights and accommodations. Early purchase provides coverage for trip cancellations, changes, or unforeseen events before departure, allowing you to get the full benefits of your protection for Italy.
