What are the best travel insurances for San Marino in 2025?
- The best travel insurance plans for San Marino
- Is it currently safe to travel to San Marino?
- Travel Insurance Requirements for San Marino
- The Importance of Travel Insurance for San Marino
- What should travel insurance for San Marino cover?
- The cost of travel insurance for San Marino
- How to pay less for travel insurance to San Marino
- What about your current insurances?
- FAQ
Travel insurance for San Marino: key takeaways
1. Definition: Travel insurance for San Marino covers medical emergencies, trip cancellation, and lost baggage.
2. Key protection: Insurance is not mandatory but highly recommended for medical emergencies and unexpected trip disruptions.
3. Healthcare cost: Healthcare is high quality, but a hospital stay can cost over $1,000 per night.
4. Price: A one-week travel insurance policy for San Marino typically costs between $30 and $70.
5. Good to know: Entry is through Italy, so your policy should cover both San Marino and the Schengen Area.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in the US, our experts share everything you need to know to choose the best travel insurance for San Marino.
The best travel insurance plans for San Marino
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Recommended for peace of mind in San Marino. - high medical ceiling - clear benefits - evacuation and repatriation included |
| Cap Assistance 24/24 | $1.1M | A good fit for flexible travelers. - 24/7 support - strong outpatient cover - works well for short stays |
| Tourist Card | $550k | Effective for most tourism or business in San Marino. - essential guarantees - emergency hotline - competitive price point |
| Travel Pass Monde | $770k | Suitable for varied itineraries in Europe. - hospital costs - repatriation - clear terms and simple process |
| Globe Partner | $330k | A robust choice for basic needs and administrative simplicity. - necessary medical coverage - includes civil liability - good value |
| Globe Traveller | $550k | Fitting for short, low-risk trips to San Marino. - essential coverages - streamlined claims - limited but sufficient medical limit |
- high medical ceiling
- clear benefits
- evacuation and repatriation included
- 24/7 support
- strong outpatient cover
- works well for short stays
- essential guarantees
- emergency hotline
- competitive price point
- hospital costs
- repatriation
- clear terms and simple process
- necessary medical coverage
- includes civil liability
- good value
- essential coverages
- streamlined claims
- limited but sufficient medical limit
Is it currently safe to travel to San Marino?
As of June 2025, the U.S. Department of State considers the safety level in San Marino to be stable, with no country-specific advisory, and applies the same recommendations as for Italy, which is under a Level 2: Exercise Increased Caution due to terrorism.
Security risks: petty crime like pickpocketing can occur in tourist hotspots such as Piazza della Libertà or crowded events. Remain vigilant with personal belongings, especially in San Marino City and when transiting through Italian airports.
Health risks: there are no specific vaccination requirements or major infectious disease risks for San Marino. However, access to advanced medical care may require travel to Rimini or another Italian city, and costs can be high without insurance.
Legal framework: San Marino enforces strict penalties for drug offenses, even small quantities. Be aware that photo permits are required for drone use in heritage zones, with fines possible for unauthorized filming.
Environmental exposure: San Marino is prone to steep slopes and cobblestone streets, increasing the risk of falls or minor injuries, especially in wet weather. Road traffic is limited, but some rural routes can be difficult to navigate without local knowledge.
Although not required, travel insurance is strongly recommended by the U.S. Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in San Marino.
Travel Insurance Requirements for San Marino
No, travel insurance is not mandatory for U.S. citizens to enter San Marino.
However, travel insurance is strongly recommended, as medical expenses abroad and emergency repatriation can be costly, and San Marino relies largely on nearby Italian medical facilities.
According to our data, 50% of travelers purchase travel insurance before going to San Marino, mainly because even in a safe European country, unexpected accidents or sudden illness can result in significant expenses.
The Importance of Travel Insurance for San Marino
It is an essential financial and medical protection for anyone going to San Marino.
While San Marino has a modern public health system, foreign travelers may need to access private facilities or be sent to nearby Italian hospitals, such as Ospedale di Stato di San Marino or Rimini Hospital. Medical care for non-residents is generally expensive, with hospital admissions and emergency services requiring upfront payment.
Travel insurance covers medical fees, hospitalization, medication, ambulance transportation, and emergency repatriation to the US in case of a serious incident.
Here are some examples of healthcare costs in San Marino.
| Example of medical treatment | Cost at Ospedale di Stato di San Marino | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | €2,500 ($2,700) | Up to €2,500 ($2,700) |
| I broke my tibia (X-ray, cast, and crutch rental) | €1,200 ($1,300) | Up to €1,200 ($1,300) |
| I need to be repatriated | €25,000 ($27,000) | Up to €25,000 ($27,000) |
| I have appendicitis (consultation and surgery) | €6,000 ($6,500) | Up to €6,000 ($6,500) |
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.
What should travel insurance for San Marino cover?
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers doctor visits, outpatient and inpatient care, emergency treatment, and prescriptions in San Marino or Italy. We recommend a reimbursement limit of at least $100,000 per person. |
| 🚑 Emergency evacuation | Pays for medical transport to the nearest qualified hospital or repatriation to the US if needed. A minimum of $100,000 coverage is advisable for emergencies and specialist transport. |
| 🧳 Trip cancellation/interruption | Covers prepaid, non-refundable expenses if you must cancel or cut short your trip for covered reasons like illness, injury, or family emergencies. Look for a limit near $5,000 or your total cost. |
| 🛬 Repatriation of remains | Includes costs should repatriation of mortal remains to the US be necessary. A good policy provides $25,000 or more for this coverage. |
| 💼 Baggage loss or delay | Reimburses for lost, damaged, or delayed baggage during flights into Italy or San Marino. A minimum of $1,000 per person is recommended for valuables and essentials. |
| ⚖️ Personal liability | Offers protection if you accidentally cause damage or injury. We suggest a coverage limit from $50,000, as liability claims abroad can be expensive. |
| 👨⚕️ 24/7 assistance services | Ensures access to multilingual support for urgent issues, finding doctors, or emergency translations. Choose a policy with genuine round-the-clock support, no specific amount required. |
We recommend a reimbursement limit of at least $100,000 per person.
A minimum of $100,000 coverage is advisable for emergencies and specialist transport.
Look for a limit near $5,000 or your total cost.
A good policy provides $25,000 or more for this coverage.
A minimum of $1,000 per person is recommended for valuables and essentials.
We suggest a coverage limit from $50,000, as liability claims abroad can be expensive.
Choose a policy with genuine round-the-clock support, no specific amount required.
Travel insurance from local providers or bank cards often comes with lower limits and many exclusions, providing limited protection. Selecting a trusted insurer with full coverage is a safer choice. You can compare the best solutions on HelloSafe and subscribe online for immediate certification.
The cost of travel insurance for San Marino
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $22 |
| 2 weeks | 45 years old | $38 |
| 1 month | 35 years old | $50 |
| 1 month | 70 years old | $135 |
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 travel insurance policy depends on several key variables: your age, your destination, the duration of your trip, the level of coverage, and any optional add-ons like cancellation protection. Keeping these factors in mind is essential to select the right plan for your journey and avoid any unexpected issues.
💡 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 travel insurance to San Marino
Here are some suggestions to optimize the cost of your travel insurance to San Marino while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🗓️ Trip duration | The longer you stay, the more you pay, so adjust coverage only for your actual trip dates. | Choose exact dates instead of annual coverage to avoid paying for unnecessary days. |
| 👥 Number of travelers | Family or group policies can lower the price per person compared to individual plans. | Request a group or family discount when insuring multiple travelers on the same policy. |
| 🎒 Level of coverage | Higher medical, baggage, or liability limits usually raise premiums. Important in Europe, where healthcare can be costly. | Select coverage limits that match real risks for San Marino, without over-insuring minor aspects. |
| 🏥 Deductible | Increasing your deductible can decrease premium costs but may mean more out-of-pocket costs in case of a claim. | Opt for a higher deductible only if you can cover that sum during your trip. |
| 🎂 Traveler's age | Insurance companies often raise prices for older travelers, especially over 65 years old. | With Heymondo, prices remain stable even for travelers over 62, which can make it more accessible. |
| 🏒 Adventure sports | Activities like skiing or hiking can significantly increase premiums. Essential in mountainous regions. | Exclude risky activities from your plan if you only plan classic sightseeing in San Marino. |
| 🏨 Cancellation warranty | Adding trip cancellation raises the total, but the risk may be lower for short, low-cost trips. | Opt out of cancellation coverage for short or inexpensive trips to lower your policy cost. |
What about your current insurances?
It is completely legitimate to wonder whether your current insurance—such as public or private health coverage, or your credit card insurance—can protect you when traveling to San Marino. Unfortunately, this coverage is often limited or insufficient for international trips. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in San Marino? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage for medical expenses or hospitalization abroad | Travel insurance covers $100,000+ in emergency medical costs and evacuation |
| Private health insurance (UnitedHealthcare, Blue Cross Blue Shield, Cigna) | Yes, partly | Some emergency care abroad, limits often <$50,000, excludes evacuation and trip cancellation | Travel insurance offers $100,000+ in care, evacuation, and 24/7 worldwide help |
| Classic credit card (Visa Classic, Chase Freedom, Capital One Platinum) | Yes, partly | May cover accidents/illness up to $5,000, no repatriation, little or no baggage coverage | Travel insurance covers $100,000+, baggage loss, and trip delay/cancellation |
| Premium credit card (Chase Sapphire Preferred, Amex Gold, Citi Prestige) | Yes, partly | Emergency medical up to $100,000, some delay/loss coverage, trip cancellation caps | Travel insurance offers higher medical/luggage cover and full repatriation options |
Example
While exploring Mount Titano's steep paths, a tourist slipped, fracturing their ankle. The surgery and hospital stay in San Marino cost $18,000. Their US-based health plan didn't cover foreign care, and their Chase Sapphire card's travel benefit only paid $2,500, leaving them with a shocking $15,500 out-of-pocket bill.
Expert advice
Review your current insurance's terms, exclusions, and limits. Key events, like trip interruption due to a relative's illness, are often not covered. Read the policy carefully to avoid unpleasant surprises abroad. In all cases, it's safer and more reassuring to subscribe to a dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to San Marino?
If you hold a U.S. passport, you do not need a visa to visit San Marino for stays up to 90 days. Entry to San Marino is through Italy, so you must comply with Italian entry requirements, including a Schengen entry stamp.
How do I purchase travel insurance for San Marino?
Start by comparing different providers using a tool like HelloSafe’s travel insurance comparison. Check the cover details and exclusions, making sure specific San Marino risks are considered. Buy your preferred policy online and you will receive a coverage certificate by email.
What documents should I keep with me while in San Marino?
Carry your valid U.S. passport with at least 3-6 months of validity beyond your planned departure. It’s also recommended to keep a copy of your travel insurance policy and any medical information, in case of emergency.
Does my U.S. health insurance work in San Marino?
Most U.S. health insurance policies, including Medicare, do not provide coverage for medical costs outside the United States. You will generally need separate travel health insurance to be covered in San Marino for emergencies and medical treatment.
Are medical services readily available in San Marino?
San Marino has accessible medical services but facilities and language support may be limited compared to larger European countries. Having travel insurance can help cover costs and ensure access to private care or medical evacuation if necessary.
Can I extend my stay in San Marino beyond 90 days?
Stays beyond 90 days require you to apply for a permit directly with San Marino authorities. You must enter and exit via Italy, so any extended stay must also comply with Italian and Schengen regulations. Travel insurance must also cover the total intended period.
Do I need a visa to travel to San Marino?
If you hold a U.S. passport, you do not need a visa to visit San Marino for stays up to 90 days. Entry to San Marino is through Italy, so you must comply with Italian entry requirements, including a Schengen entry stamp.
How do I purchase travel insurance for San Marino?
Start by comparing different providers using a tool like HelloSafe’s travel insurance comparison. Check the cover details and exclusions, making sure specific San Marino risks are considered. Buy your preferred policy online and you will receive a coverage certificate by email.
What documents should I keep with me while in San Marino?
Carry your valid U.S. passport with at least 3-6 months of validity beyond your planned departure. It’s also recommended to keep a copy of your travel insurance policy and any medical information, in case of emergency.
Does my U.S. health insurance work in San Marino?
Most U.S. health insurance policies, including Medicare, do not provide coverage for medical costs outside the United States. You will generally need separate travel health insurance to be covered in San Marino for emergencies and medical treatment.
Are medical services readily available in San Marino?
San Marino has accessible medical services but facilities and language support may be limited compared to larger European countries. Having travel insurance can help cover costs and ensure access to private care or medical evacuation if necessary.
Can I extend my stay in San Marino beyond 90 days?
Stays beyond 90 days require you to apply for a permit directly with San Marino authorities. You must enter and exit via Italy, so any extended stay must also comply with Italian and Schengen regulations. Travel insurance must also cover the total intended period.
