travel insurance italian resident

Travel Insurance for Italy (What You NEED to Know Before You Go)

From who needs it to where to get italy travel insurance, here's what to should look out for.

Planning a dream trip to Italy? You may need travel insurance. I know, I know, the last thing you want to do is think about something going wrong. But when dealing with so many variables: flights, car rental, hotels, and tours, anything can happen. Accidents, theft, and cancellations have the potential to ruin what was supposed to be a well-deserved getaway. This is why many people choose to purchase travel insurance when traveling to Italy, Europe, and beyond!

Do you need travel insurance to visit Italy?

If you require a Schengen Visa to enter Italy, it is mandatory to have valid travel insurance to apply for an Italian visa. If you can travel to Italy without a visa, travel insurance is not required, but can provide added peace of mind. However, if you’re applying for a long-term visa, such as a Work or Student visa, international health insurance may be required instead of travel insurance.

Insurance requirements for Italy travel visas

Since Italy is a member of the Schengen, your insurance policy needs to meet the Schengen travel insurance requirements. This means it must be valid throughout the entire Schengen Zone and cover at least €30,000 in medical expenses. Additional coverage can be purchased for further protection.

Where can you get travel insurance for Italy?

You can purchase travel insurance for Italy by:

• Going directly to a travel insurance company – this is the popular option, as most companies operate online, allowing you to choose and purchase a plan from the comfort of your own home. World Nomads offers Schengen travel insurance that is accepted by Italian Embassies and Consulates.
• Travel insurance brokers – there are many online services that offer plans from various insurance companies where you can compare prices and choose travel insurance that meets your requirements.
• Tour agency – some tour companies offer complimentary travel insurance plans, but be sure to read the policy carefully before signing up to ensure you are adequately covered.

How to provide proof of Italy travel visa insurance?

When you purchase a Schengen travel insurance plan from World Nomads , you will receive an Insurance Certificate or Letter that you can download and print out. You must send this, along with the other required documents, to the Italian Embassy or Consulate.

Is having travel insurance important when traveling to Italy?

Travel insurance adds a safety net, protecting you from unexpected costs that could arise during your trip. For example, if you have an accident that requires medical attention while in Italy, travel insurance will reimburse your medical bills. Additionally, if you have trip disruption coverage and need to cancel or cut your trip short due to circumstances beyond your control, travel insurance could reimburse a portion of your prepaid expenses such as hotel and flight tickets.

What can Italy travel insurance cover?

Italy travel insurance plans can provide coverage for the following:

• Medical emergencies: If you encounter an accident or suddenly fall ill while in Italy, travel health insurance can cover the cost of medical treatment. However, you’re only covered for emergencies and accidents, not treatment for pre-existing conditions.
• Evacuation or repatriation: If you become seriously ill while in Italy and require evacuation out to your home country or elsewhere, evacuation coverage will cover the cost of the air ambulance. Repatriation coverage, on the other hand, refers to the transport of remains in the event of death.
• Optional coverage: In addition to travel health insurance, many insurance companies offer additional coverage, such as reimbursement for trip disruption, loss or damage of personal belongings, and liability insurance. However, these additional services come at an extra cost.

What are some things should you consider when choosing travel insurance for Italy?

When selecting the best travel insurance plan for Italy, consider the following factors:

• Policy maximum: This refers to the maximum amount of money that an insurance company will cover for medical expenses during your trip. In order to obtain a Schengen visa, you need insurance with a policy maximum that’s at least €30,000 or more.
• Coverage details: Most insurance companies provide detailed explanations of their plans on their website. Ensure you read about how much they will cover for each item and under what circumstances.
• Exclusions: Be aware of what the company will not cover, such as accidents resulting from driving under the influence and injuries due to adventurous activities.
• Schengen requirements: If you need a visa to visit Italy,  make sure you choose travel insurance that meets all Schengen requirements. Otherwise, it may result in the Italian Embassy/Consulate rejecting your visa application.
• Claims process: Ensure you understand the claims process before leaving, including how to file a claim, the required documents, and whom to contact.
• 24/7 assistance: Confirm if your insurance company has a 24/7 customer service line or if you have someone to reach out to during your stay in Italy.

What is the cost of travel insurance for Italy?

The cost of travel insurance for Italy varies as it depends on a few factors.

• The type and amount of coverage you choose will affect the cost, for example, policies that over coverage up to €30,000 will cost less than those with a maximum of €50,000 or €100,000.
• Your age is also a contributing factor. If you’re over 60, you will pay more due to increased risk.
• Additionally, the duration of your trip impacts the cost, with longer trips resulting in higher health insurance policy prices.
• On average, for a seven-day trip, you can expect to pay between €20 and €30 for travel health insurance for one person.

World Nomads provides travel medical insurance premiums for different durations of travel in the Schengen area and beyond. For more information, visit World Nomad’s website and create a free quote for your trip.

How to file a travel insurance claim

There are two methods for filing a travel insurance claim:

• Direct billing: In Italy, some hospitals will charge the travel insurance company directly for medical treatment without you having to pay anything. However, not all hospitals offer this option, and insurance companies typically have a network of hospitals that can bill them directly. Before you travel, it’s a good idea to confirm which hospitals are included in this scheme before receiving treatment.
• Reimbursement: You can choose to pay for your medical treatment upfront and then submit the bill to the insurance company for reimbursement. Remember, it’s essential that you keep all your receipts and prescriptions for medication, police reports for lost or stolen belongings, and proof of canceled flights.

Do US, Canadian, and Australian Citizens need travel insurance for Italy?

Although it’s not mandatory for US, Canadian, and Australian citizens to have travel health insurance for Italy, it can offer an extra layer of protection. Schengen Plus, Universal by Mutuaide, and Gold/Platinum by AXA are some of the travel health insurance plans that offer not only the mandatory insurance certificate required for an Italian visa but also extended coverage for Italy, all Schengen area members, EU countries, and the UK.

Is healthcare expensive for tourists in Italy?

Tourists without travel health insurance in Italy will have to bear the full cost of treatment themselves. While minor emergencies may not be too expensive, significant treatments like surgeries can quickly become costly.

It’s important to note that emergency services are not free of charge. There have been anecdotal reports of tourists not being charged anything for emergency services, but this is more likely because the incident was minor, and the clinic or hospital was not equipped to charge a tourist.

In any case, it’s always better to assume that you will have to pay for any medical treatment you receive in Italy. Italian citizens pay taxes that fund the country’s healthcare system and receive medical treatment mostly free of charge, but tourists do not benefit from this system and are subject to full costs.

Who should you call in an emergency situation in Italy?

In Italy, the following emergency numbers can be used:

• 118 for medical emergencies
• 113 for general emergencies (similar to 911 in the USA),
• 112 for national police (Carabinieri)
• 115 for the fire department

It’s also a good idea to note down the contact details of your country’s Embassy or Consulate in Italy.

Using EHIC vs. Getting travel insurance in Italy

Although an EHIC can provide medical attention in Italy for EU nationals in the same way as Italian citizens, it is not a substitute for travel insurance. The charges and co-pays for medical attention will still apply unless the individual has travel health insurance. Additionally, EHIC does not cover private healthcare, evacuation, trip disruption, liability, etc. It should also be noted that many Italian citizens have private health insurance.

Climate and health precautions in Italy

Italy is hot and very dry during the summers while winters can get quite cold and wet. Temperatures in Southern Italy reach 40°C in the peak of summer, making sightseeing exhausting so make sure you stick to the shade or spend that hottest part of the day indoors at a museum or poolside. During winter, do as the Italians do and ‘ vestirsi a cipolla ’ (dress like an onion), wearing several warm layers of clothing means you can stay comfortable when you’re going indoors and outdoors.

Get my complete guide to the best times to visit Italy which includes money-saving tips and ways to avoid crowds.

Car insurance for driving in Italy

A separate international car insurance plan is needed to cover Italy and other Schengen countries when driving to Italy. It’s important to note that regular travel insurance does not include car insurance. Your car insurance from your home country is also not valid in Italy either,  unless you are from an EU Member State. It’s also essential to check if your driving license and license plates are valid and accepted in Italy.

7 things to know before traveling to Italy

• Restaurants located near tourist attractions and popular landmarks tend to be overpriced, crowded, and offer poor-quality food.
• Italians tend to eat dinner late, so many restaurants will not open before 7 pm.
• A Coperto charge is paid when sitting down for a meal at a restaurant, usually ranging from €1 to €5 per person.
• Tickets for trains or buses should be validated at one of the machines at the station to avoid a fine.
• Carrying both cash and a card is advisable for smaller purchases.
• Electronic devices from the USA will need adapters and converters due to different plug shapes and voltages.
• Finally, booking tickets for landmarks in advance can save time and avoid long queues.

Don’t miss my complete guide to  Italy travel tips that will save you time, money, and disappointment.

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Policies for single trips are available for people aged up to 89. You may spend up to 18 months on a trip.

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Cover for many pre-existing medical conditions are included, others may require you to make a quick telephone call to ensure that you will be insured in the event of a re-occurrence, or in case it causes you to cancel a pre-booked holiday. To get an instant quote and arrange cover securely online fill out the forms on the Globelink travel insurance quotation wizard.

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Travel Insurance for Italy

Travel Team | Apr 12, 2024

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Italy, with its rich history, vibrant culture, and picturesque landscapes, is a dream destination for many travelers. From the ancient ruins of Rome to the romantic canals of Venice, each corner of this Mediterranean gem holds a story waiting to be discovered. While the prospect of savoring authentic pasta in Rome or gazing at the artistry of Michelangelo in Florence is exciting, it's equally important to address the 'what-ifs' that may arise during your travels. In this article, we’ll dive into your options for Italy travel insurance, the requirements that come with traveling to Italy, and offer destination-specific travel tips that can ensure a safe and relaxing trip.

Should You Buy Travel Insurance for Italy?

Travel insurance is always recommended for Italy and other international destinations. Your domestic health insurance often does not cover you in another country, potentially leaving you with costly medical bills if you get sick or hurt in bella Italia. Plus, you never know when an unexpected event could put the money you spent for your trip — from flights and gondola rides to hotels and opera tickets — at risk.

Do I Need Travel Insurance for Italy?

Travel insurance is not required to travel to Italy (unless you require a Schengen Visa), but it is a good idea to have. Let’s get some more information on travel insurance and why it could be beneficial to get before your Italian getaway.

Travel Insurance Requirements for Schengen Visa Holders

If you need a Schengen Visa for your trip to Italy, you must have valid travel insurance. However, if you can travel to Italy visa-free, then travel insurance is not mandatory – although it is strongly encouraged.

If you are applying for a long-term visa to Italy (such as a Work or Student visa), you may need international (expat) health insurance rather than travel insurance.

You can find more on these requirements here .

Italy Travel Insurance Coverage Options

Seven Corners offers a variety of plans that meet most travelers’ needs, whether you’re traveling internationally or in your own country.

Coverage options can differ depending on the plan you choose, the specific benefits and add-ons you select, and your state or country of residency. Check out some travel insurance benefits found in many of Seven Corners’ plans to help protect you during your trip to Italy.

Trip Cancellation

Seven Corners could reimburse you for the prepaid, nonrefundable trip expenses you insured if you have to cancel your trip for a covered reason.

What are covered reasons?

These can include triggers such as an illness that prevents you from traveling or inclement weather, like a hurricane, that makes it impossible to get to your destination.

For the flexibility to cancel your trip for any reason, not just those listed in your plan document, consider adding optional Cancel for Any Reason (CFAR) coverage .

Trip Interruption

An interruption often means you ended your trip and returned home early, but it can also include needing to start your trip late.

If you need to interrupt your trip for a covered reason, you could be reimbursed for the prepaid, nonrefundable trip expenses you didn’t use. When your trip interruption causes you to have additional transportation expenses, this benefit covers those expenses, too.

For more flexibility to interrupt your trip and still be reimbursed, consider adding optional Interruption for Any Reason (IFAR) coverage . This allows you to interrupt your trip for any reason, not just the covered reasons listed in your plan document. Maybe you’re feeling unsafe at your destination and decide to return home or move to your next destination early, or you might simply change your mind about travel, so you end your trip early. IFAR can help.

This benefit can cover expenses resulting from a delay, whether you’re on your way to Italy, returning home, or even in the middle of your trip. To be reimbursed, the trip delay must be caused by a covered reason, such as a flight delay lasting the required amount of time.

Lost or Delayed Baggage

Seven Corners will reimburse you to replace necessary personal belongings if your baggage is delayed by your airline or other common carrier on your way to Italy. Necessary personal items include things like clothing or toiletries — the things you need most so you can continue on your trip.

If your baggage is lost, delayed, damaged, or stolen during your trip, your travel insurance could pay to replace or repair the insured items.

For both lost and delayed baggage, it’s important to remember that there are some requirements and exclusions. For example, some items such as laptops and jewelry may not be covered, and your luggage must be delayed for the length of time stated in the plan before you are eligible for reimbursement.

• Travel Medical

Travel medical insurance can cover expenses for medical treatment if you get sick or hurt during your trip. This is particularly important for travelers whose domestic health insurance does not provide coverage overseas.

Seven Corners Trip Protection plans provide coverage for Emergency Accident and Sickness as well as Emergency Dental expenses. We also provide a variety of travel medical plans with robust medical coverage for both U.S. and international residents, and annual plans for frequent travelers that provide medical coverage for multiple trips throughout the year.

Emergency Medical Evacuation and Repatriation

If you are injured or become ill during your trip to Italy and adequate care is not available, Seven Corners will arrange an emergency medical evacuation to a medical facility that can provide treatment if it is deemed medically necessary. We will also arrange your return home so you can continue recovering.

Accidental Death and Dismemberment

This Seven Corners benefit provides coverage for loss of life or limb resulting from an injury caused by an accident during your trip to Italy.

What Is The Best Travel Insurance for Italy?

Seven Corners Trip Protection is our most popular plan for U.S. residents traveling to Italy. With this plan, you’ll find coverage to protect your trip expenses, belongings, and emergency medical expenses. We also offer an annual trip protection plan for multiple trips, perfect if you travel frequently to Italy or anywhere else in the world.

Seven Corners Travel Medical Insurance provides great levels of confidence for travelers headed to Italy whether you’re a U.S. or non-U.S. resident. These plans offer robust coverage for medical expenses if you get sick or hurt during your trip, so you can get the care you need without having to worry about how you’ll pay for it.

Finding the best travel insurance for your special trip to Italy is easy. Answer a few simple questions on our interactive guide and we’ll show you the best options for you and your trip. Plus, there’s no commitment or hassle when you get a quick quote. If you need additional support, you can also contact our licensed agents and be more confident you’re choosing the best travel insurance for an Italian vacation.

How Much Does Travel Insurance to Italy Cost?

How much travel insurance costs varies depending on the plan you choose as well as a number of other factors. The cost of trip protection plans is based on your trip expenses and is generally 4-10% of your total insurable trip cost. See how to calculate your trip cost and make sure you have the right amount of coverage.

The cost of a travel medical plan is based on:

• The plan you choose
• The length of your trip
• Medical maximum, deductible, and other add-ons you select when customizing your plan

Get a quick, hassle-free quote when you answer a few simple questions about your trip to Italy and see what kind of coverage could be best for you.

Travel Requirements for Italy

Provide an introductory paragraph that sets up the subsections that will go over what is and isn’t required to visit Italy.

Visa Requirements for Italy

If you’re planning a longer stay or visiting multiple European countries, you may need a Schengen visa.

A Schengen visa is a temporary stay visa that allows you to travel to any member of the Schengen Area for up to 90 days for tourism or business purposes. If you are a U.S. citizen with a passport spending 90 days or less in Italy or a citizen of a Schengen Area member country, you don't need a visa.

There are four types of Schengen visas: A (airport transit only), B (short stays up to 90 days), C (extended stays over 90 days), and D (multiple entries over time).

You can learn more about these different types of visas, their eligibility requirements and restrictions, and how to obtain them by visiting our Schengen visa page .

Documents and Forms

To travel to Italy, you’ll want to be sure your required documentation is packed and accessible at the airport. You'll need:

• Your valid passport
• A visa, if the trip requires

For more information on required documents and forms, visit the Italian Ministry of Tourism official site. .

Public Health Requirements

There are currently no COVID-19-related restrictions in Italy (as of December 2023). However, it is important to revisit these travel guidelines every six months to ensure your information is current and accurate.

Travel Information & Safety Tips for Italy

When gearing up for any trip, you want to know what you can expect and how to prepare. These travel tips cover safety, transportation, currency, and more, so you can feel all set for your adventures and ready to dive into the local scene.

Is Italy safe to visit?

Italy is generally safe with a robust tourist infrastructure. However, petty theft, particularly in crowded spots like Rome, Florence, and Venice, is a concern.

Exercise caution, keep an eye on belongings, and avoid flaunting valuables. Tourists should also beware of scams involving counterfeit goods, as purchasing these may result in thousands of euros in fines.

A great safety tool for travelers is the Smart Traveler Enrollment Program (STEP). When you enroll, you’ll get up-to-date information about safety precautions in your destination country. It will also help the U.S. Embassy and your friends and family contact you in case of an emergency. You can also visit the U.S. Department of State website for your destination country to see the latest travel advisories.

What languages are spoken in Italy?

The majority of Italy’s population speaks Italian—about 97%. While around one-third of the population can speak English, many might only know basic English.

What currency is used in Italy?

The euro (€) is the currency used in Italy. As of December 2023, the exchange rate between euros and United States dollars is 1 euro = 1.10 dollars.

For the most current currency rate, check out this currency exchange tool .

What is the weather like in Italy?

Explore Italy's varied climates, from the Dolomites in the north to the timeless charm of Rome and the warmth of the south. Whether you seek summer escapades or winter charm, each region promises a trip you'll never forget.

Northern Italy: Experience hot summers in the 80s F, perfect for activities like mountain lake swimming and Dolomite hiking. Winters, lasting from December to March (or April some years), bring freezing temperatures and scenic snowfall.

Central Italy: Tuscany, Umbria, and other central locations enjoy hot summers in the 80s F, especially on the coasts. Winters see temperatures in the 40s F and 50s F, occasional snow, and rain. The coldest weather is typically in January and February.

Rome: January marks the coldest month in Rome, with averages around 46 F. Despite the chill, Rome sees a surplus of sunshine, and by February, you'll find days warm enough for sundresses and picnics. In summer, the hottest months—July and August—average in the mid-70s F, with occasional highs in the 80s F. Rome boasts sunshine year-round, with summer averages in the mid-teens and around seven or eight hours daily in winter.

Southern Italy: In Naples and the surrounding area, anticipate hot, dry summers with average temperatures in the 70s F and 80s F. Winters are mild and rainy, with January and February averages in the 40s F. As you travel south, temperatures rise slightly, and this region rarely experiences snow or ice.

Food and Water Safety in Italy

Tap water is generally safe to drink in Italy, including in major cities like Rome. Old-style water fountains can be found throughout major cities and provide safe, convenient spots to refill your water bottles. While some rural areas may have unsafe water, signs reading 'acqua non potabile' indicate water that should not be ingested.

Italy takes its food safety very seriously, so you can safely enjoy produce from local markets. Find more tips on Italian food markets and shop with a local's insight.

Transportation

In Italy, cities are well-connected with local train stations, offering convenient, fast, and reliable travel. Besides trains, your other transportation options include rentable cars, buses, boats, and of course, the iconic Vespa.

Taxis are also a good option for short distances within cities, but different than waving down a taxi like you would in New York City or Chicago. Italian taxis are available at designated taxi stands or through mobile apps like MyTaxi.

Do I need a power adapter for my electronics?

Italy uses three plug types: C (two round pins), F (two round pins with two earth clips), and L (three round pins). The country operates on a 230V supply voltage and 50Hz.

U.S. Embassy and Consulate Information for Italy

Before traveling to Italy, it’s important to know the location of the nearest embassy or consulate to where you’re staying. Here’s a full list of Embassy and Consulate locations.

U.S. Embassy Rome:

via Vittorio Veneto 121

Phone: (+39) 06.46741

U.S. Consulate General Florence:

Lungarno Vespucci, 38

50123 Firenze

Phone: (+39) 055.266.951

U.S. Consulate General Milan:

via Principe Amedeo, 2/10

20121 MILANO

Phone: (+39) 02.290351

U.S. Consulate General in Naples:

Piazza della Repubblica

80122 NAPOLI

Phone: (+39) 081.583.8111

Contact Seven Corners about Travel Insurance for Italy

Travel insurance doesn’t have to be complicated. Just tell us about your trip, and we’ll help you find the best travel insurance for Italy. Get a quick quote online — no commitments and no hassle — or chat with a licensed Seven Corners agent to have all your questions answered and customize your coverage. Buon viaggio!

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Travel Insurance for Italy

Going to Italy usually means a lot of planning and preparation to ensure everything goes as smoothly as possible. Unfortunately, there are never any guarantees, which is where travel insurance and assistance services come in handy.

As an expert in the travel industry, Generali Global Assistance can help you prepare for your trip of a lifetime to the country known for food, fashion, wine, history and plenty of fabulous ventures. You can jump straight to getting a free travel protection quote for your trip to Italy, or read on to learn more.

What Do You Need When Traveling to Italy?

If you’re traveling from the United States to Italy, plan for your passport to be valid for a minimum of 3 months, although 6 months is recommended. You’ll also need two blank passport pages.

United States residents traveling to Italy for less than 90 days don’t need a tourist visa. This applies to whether you’re going for business, pleasure or maybe a little of both. However, in lieu of the tourist visa, you'll need to fill out a Declaration of Presence, which is non-negotiable whether you’re remaining for 90 days or longer. A Permit of Stay is required if you’re staying more than 90 days.

Travel Insurance

Travel insurance isn’t required to enter or leave Italy. However, the numerous benefits make it an appealing option to have, especially if you have pre-existing medical issues. Given the unpredictable state of the world, it’s best to prepare just in case, and travel insurance is one way to do that.

For instance, you could receive help for things ranging from flight delays to the death of your travel companion. What the travel insurance covers often depends on several factors, including which plan you get.

What Should Travel Protection for Your Trip to Italy Include?

If you’re going to spend your hard-earned money on getting a travel protection plan for your trip to Italy, it should offer all the coverage you might need.

Trip Cancellation and Trip Interruption coverages are typically two of the main reasons people get travel insurance. There’s no telling when something might happen before or during the trip to cause an issue that impacts your planned journey.

You’ll also want to make sure you’re covered for  medical expenses . Although many tourists think that taking precautions while traveling is enough, it's best to have that peace of mind in case of a medical emergency.

Don’t forget about Baggage coverage. The more items you’re taking with you and the more expensive they are, the more coverage you’ll likely want to have.

In addition to insurance coverages, services like travel assistance are also essential, especially if it gives you the option to contact our dedicated assistance agents for help 24/7. Chances are you’ll feel more comfortable and confident knowing there’s someone to turn to any time, day or night, for help if something comes up that you weren’t anticipating, such as losing your passport.

Trip Interruption & Cancellation

As we all know, life never goes as planned. You could spend months planning the perfect trip to Italy, only to have something occur that you weren’t anticipating. Trip Cancellation and Trip Interruption coverages can be beneficial for a variety of scenarios out of your control, so you can get back insured trip costs that were lost as a result of a covered event.*

Trip Interruptions and Trip Cancellations could happen for a host of other reasons, such as an airline strike. You may also need to cancel the trip due to losing your job, someone stealing your passport, or a family member ending up in the hospital. Trip Interruption and Trip Cancellation coverage supports the financial losses involved when the reason is covered under the policy.

What exactly is covered and the level of coverage can contrast depending on your plan.  Review the three available Generali Global Assistance travel protection plans , which include Standard, Preferred, and Premium, for a thorough explanation of what types of coverage are available for each one.

Flight Delays and Cancellations

Unfortunately, whether or not your flight is delayed or canceled is another aspect of the trip over which you have no power. Reasons could range from a mechanical malfunction with the plane to adverse weather.

The rainiest months in Italy tend to be October through December, then again during spring. Adverse weather can result in trip delays and a domino effect of other travel issues.

Travel Delay coverage can provide reimbursement for reasonable out-of-pocket expenses, such as hotel accommodations, meals and transportation if you are delayed during your trip for the amount of time required by your plan for a covered reason.

Baggage Loss

Lost luggage on your trip to Italy can be a nightmare. Travel insurance can help reimburse you for the contents up to a certain amount in accordance with your coverage limit.

To plan ahead and to prepare for the worst, jot down items as you’re packing them and snap some photos so you know exactly what you're bringing. Make sure to also detail each bag with an item inventory, in case only one of your bags goes missing.

Medical Coverage & Emergency Assistance

An unforeseen medical event could happen anywhere at any time, including in Italy. This can be especially stressful, considering you're out of your element and in a country with a different medical system.

Your standard stateside health insurance plan may not cover you if you’re overseas and something happens, requiring you to seek medical care, including emergency assistance. Covered medical costs with travel protection may range from hospital charges to the price of taking an ambulance.

Your travel protection may be able to cover expenses if you need medical help and you require an emergency medical evacuation. Emergency Assistance and Transportation coverage is available, so medical personnel can transport you to where you need to go.

What About Cancel for Any Reason Coverage (CFAR)?

Generali Global Assistance offers an add-on coverage called “Cancel for Any Reason,” also known as CFAR, for clients who purchase the Premium Plan. With this coverage, you can cancel your trip for any reason and get up to 60% back of the penalty amount. There are several  CFAR travel insurance requirements  in order to buy it. For example, the per-person cost of the Italian trip can’t exceed more than $10,000 for each person.

Note: Not available to residents of New York

How Do You Get Travel Protection for Italy Vacations?

The first step in getting travel protection for your Italy vacation is to review our  travel protection plans . We suggest the Premium Plan for trips abroad.  Get a quick and easy quote today  to see which of our plans would be best for your trip to Italy.

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Top Four Options for Travel Insurance to Italy

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

One of the most visited places on the globe, Italy is a country whose history spans thousands of years into the modern day, offering a unique mix of culture, vibrancy, and natural splendour to visitors and expats from abroad. Although travelling to Italy is an accessible and affordable holiday destination for a lot of people, healthcare costs in the country can still stack up extremely fast, so it's still a very good idea to arrive in the country with travel insurance anyway.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Italy and other countries worldwide. In our list below, we explore SafetyWing , PassportCard , Insured Nomads , and Foyer — the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for wide but affordable coverage, and longer-term expats.

Heading to Italy soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2023.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn some Italian? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.
• 🍝 Wondering when to go? See the best months to travel .

Best Travel Medical Insurances for Italy

• 01. Best coverage for young people — SafetyWing scroll down
• 02. Best for aventurous travel — PassportCard Nomads scroll down
• 03. Best all-round travel and medical coverage — Insured Nomads scroll down
• 04. Best for longer stays ⁠— Foyer Global Health scroll down
• 05. FAQ about travel insurance for Italy scroll down

Best for Young People ⁠— SafetyWing

Italy is a popular destination for young vacationers, offering fine food, a famous nightlife culture, countless regional festivals, and plenty of cafés to sit back and relax. However, when it comes to travel insurance, young people are the least likely age group to take out a policy before travelling (often because of the costs involved).

Fortunately, not all travel and travel insurance providers are expensive, and some, such as SafetyWing , are geared toward a younger age group altogether. Known for its focus on insuring nomads and remote teams, SafetyWing is an online insurance provider offering some of the best pricing for international travel insurance on the market. It offers decent coverage at a very affordable rate, which makes it stand out as an excellent choice for travel insurance in Italy ⁠— no matter where you're travelling from!

SafetyWing offers one standard plan for international travellers, though the pricing differs by age group. Below, we focus only on the youth category (18 to 39 years old) as we believe this is where SafetyWing's offer is most interesting.

Plan: Insurance for nomads

Price: Starting at $42 per person, per month.

Term duration: Up to 364 days.

Eligibility:

• Between 18 and 39 years (for the basic plan).
• You cannot be travelling in the US during your trip.

Coverage: SafetyWing's basic travel is comprehensive and includes both medical- and travel-related benefits. A few highlights include:

• COVID-19 coverage¹.
• Hospital, ICU, and ambulance coverage².
• Emergency dental coverage.
• Physical therapy and chiropractic coverage.
• Travel interruption and delay coverage.
• Evacuation (medical or emergency political) coverage.
• Lost luggage up to $3,000.

Deductible: $250.

Maximum limit: $250,000.

Best for: Because of its low costs and low barrier to entry (you only need to sign up online ⁠— which you can even do when you're already travelling!), we think SafetyWing is the best travel insurance for Italy for younger travellers looking to keep costs low while still getting decent coverage. However, if you're older than 39 years or you're looking for more coverage and don't mind paying a higher price, then we recommend looking at the options below.

¹ Covers testing and quarantine under certain conditions ² High-risk sports, pre-existing conditions, and cancer treatment aren't covered.

Best for Adventure ⁠— PassportCard

From hiking in the Dolomites to paragliding over the Apennines to scuba diving among ancient Roman ruins off the coast of Naples, Italy offers a lot to people seeking outdoor adventure. However, many travel insurance providers don't cover sports accidents — especially if they're risk-prone sports such as skiing or hiking.

PassportCard Nomads is an online travel insurance provider aimed at expats and digital nomads which includes sports accident coverage. On its most basic plan — PassportCard for Digital Nomads — customers benefit from travel insurance in Italy up to six months, during which time they enjoy a range of unique insurance perks for people on the go, including sports and search and rescue coverage, as well as camera, baggage, and laptop insurance.

PassportCard comes with three plans, all of which come with a red travel insurance card and a unique insurance number to show to the doctor. Below, we look at their most basic plan:

Plan: PassportCard for Digital Nomads

Price: Starting at $59 per person, per month.

Term duration: Up to six months.

Coverage: PassportCard covers all the basics and goes above and beyond when it comes to travel:

• Emergency coverage.
• Medical coverage.
• Pregnancy (up to 12 weeks).
• Search and rescue.
• Sports accident coverage.
• Theft of camera, laptop, or baggage.

Deductible: $0

Maximum limit: $500,000.

Best for: Because of its higher limit of liability and no deductible, we think PassportCard Nomads is best for travellers looking for a low-cost travel insurance plan with wide coverage — especially if they stand to benefit from more adventurous coverage such as outdoor sports and camera and laptop insurance.

Best Overall Coverage ⁠— Insured Nomads

When one thinks of visiting Italy, exquisite food, good weather, and beautiful historical ambience are probably the first things to come to mind. From wandering the narrow streets of Naples, to sampling fine wines in Tuscany, to climbing the Duomo in Florence, there's no arguing with the fact that Italy offers a lot to the everyday tourist.

Aimed at travellers, remote workers, and globetrotters alike, Insured Nomads is another savvy insurtech platform offering travel insurance for Italy that's ideal for extensive medical- and travel-related coverage. Founded and run by expats around the globe, Insured Nomads offers an impressive range of travel insurances, including a larger scope of medical-related coverages than the other providers in this article.

We go over Insured Nomads' basic plan below:

Plan: Travel Insurance World Explorer

Price: Starting at $84 per person, per month.

Term duration: One trip of between 7 and 364 days.

Eligibility: You cannot travel to Italy via Cuba, Iran, Syria, Sudan, North Korea, or the Crimea region.

Coverage: This plan offers a fairly comprehensive set of medal benefits and coverage for a basic travel insurance plan in Italy. These include:

• Online consultation (telemedicine).
• Medical, emergency, and accident coverage.
• Outpatient and inpatient care.
• Medical transportation coverage
• Evacuation and repatriation.
• Life insurance.
• Adventure sports and marine activity coverage.
• Electronics, camera, cellphone, and sports equipment coverage.
• Flight delay provisions.

Deductible: $0, $100, $250, or $500 based on selection.

Maximum limit: $250,000, $1,000,000, or $2,000,000 based on selection.

Best for: Although easily the priciest of the plans we've looked at so far, we think Insured Nomads gives the best combination of medical- and travel-related coverage, making it an ideal option for travellers to Italy looking for comprehensive benefits all around. (Insured Nomads also offers an even more comprehensive global health insurance plan for expats for those who plan to live in Italy for an extended period of time.)

Best For Longer Stays ⁠— Foyer

Beyond holidays, Italy is also a very popular destination for expats and digital nomads, and is well known for its good quality of life and cultural openness. However, if you're planning to move to Italy for a year or more, an ordinary travel insurance policy usually won't give you what you're looking for, and you'll want a longer-term option instead.

Global Health by Foyer Group is a premium insurance platform that offers three plans for expats looking for longer-term health insurance in Italy. They cater to adult travellers of any age, and offer premium plans tailored to families, people working abroad, and expats. Because of its wide coverage, we think Foyer Global Health offers the most comprehensive international travel insurance for expats and digital nomads in Italy.

Below, we look at their most basic plan, 'Essential', though their more expensive plans are well worth considering too if you plan to move to Italy with your family and would like to have them covered as well:

Plan: Essential.

Price: Varies based on age, country of origin, marital status (including children), and trip duration.

Term duration: No restrictions, depending on selection.

Eligibility: You must be 15 years or older.

Coverage: This plan offers a very comprehensive set of medical benefits and coverage for a basic travel insurance plan in Italy. (However, the basic plan lacks in terms of travel-related coverage.) The medical coverage includes:

• Extensive family coverage.
• Inpatient and outpatient care.
• Private or semi-private hospital room.
• Hospital, surgery, therapy, and transport coverage.
• Cancer treatment coverage.
• Over-the-counter drug coverage.
• Doctor's visit coverage.
• Basic dental care coverage.

Deductible: Varies based on selection.

Maximum limit: Varies based on selection.

Best for: If you're staying in Italy for a long period of time (e.g. more than a year), then travel benefits become less important than health coverage. As a result, we think Foyer Global Health 's 'Essential' plan is ideal for solo travellers living in Italy for extended periods, while its more expensive 'Special' and 'Exclusive' plans are more suitable if you're moving with your spouse and children. However, if you're planning to spend less than a year in Italy and travel-related benefits are more important to you, then we recommend one of the options above instead.

Frequently Asked Questions About Travel Insurance for Italy

No, you'll not be required to take out travel insurance for Italy. However, we strongly encourage you to do so anyway, because the cost of healthcare in Italy can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of having to cover those costs yourself in case you need medical attention during your stay.

Health insurance doesn't cover normal holiday expenses, such as flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers costs that are commonly associated with travelling. This can (and usually does) include medical expenses, but it also often includes coverage for personal belongings, as well as other benefits.

You can get travel insurance through an insurance broker like Foyer or a travel agency. Or, you can go directly to an insurance company like SafetyWing , PassportCard , or Insured Nomads .

When you buy travel medical insurance for Italy with a company, you will receive an Insurance Certificate or Letter that you can download and print out. You can send this to the Italian Embassy or Consulate if you need a specific visa.

The cost of travel insurance for Italy varies based on several factors: the desired coverage amount, your age (with older individuals paying more due to increased risk), and the duration of your trip. More extensive coverage, advanced age, and longer stays in Italy will result in higher insurance costs.

You can do so by either direct billing or reimbursement.

With direct billing, the hospital in Italy will charge your travel insurance company directly instead of you. You should check your insurance provide for their network of hospitals to make sure you can use this method during your trip.

Otherwise, you will have to pay the cost of the treatment yourself, save the bill, and send a claim to your insurance provider later. Your insurance company will reimburse you the cost.

US, Canadian, and Australian citizens are not required to have travel insurance when travelling to Italy, but it is strongly recommended in the case of emergencies.

Other Guides On The Best Travel Medical Insurance

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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7 Best Italy Travel Insurance Plans Compared 2023

Updated on May 10, 2023 by Matthew H. Nash – Licensed Insurance Agent

• SwiftScore Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Italy travelers. Learn more at the end of this page.

STARTING PRICE FOR 2-WEEK TRIP TO THE ITALY

CAN YOU CANCEL YOUR TRIP FOR ANY REASON? 

BEST  WEBSITE FOR

Comparing Policies

• Compare dozens of the best Italy travel insurance policies from all the major providers in one place
• Easily filter for the features you want and get support from their award-winning customer service team
• Founded in 2013, TravelInsurance.com has helped hundreds of thousands of travelers find affordable insurance coverage

• SwiftScore Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to travelers. Learn more at the end of this page.

BEST POLICY FOR

Travelers Aged 55+

• Pre-existing medical conditions are covered for a reasonable fee and they offer “cancel for any reason” as an add-on
• $2,000 COVID quarantine coverage available w/ Safe Travels Voyager plan
• Founded in 1998 and underwritten by Nationwide and GBG Insurance

BEST WEBSITE FOR

Filtering Plans

• This comparison website has the most comprehensive filters especially for Covid-19 which helps you search for the specific benefits you need
• They have “Zero Complaint Guarantee” which promises a fair claims process
• Established in 2003, Squaremouth has consistently been recognized for it’s exceptional customer service

BEST POLICY FROM

An Established Brand

• Well rounded, inexpensive travel insurance plans from an established and top rated global insurance company
• AXA has plans that cover pre-existing conditions and their “Platinum” plan covers “cancel for any reason” with an optional add-on. They also offer helpful 24/7 Worldwide Travel Assistance Services
• Founded in 1959 and underwritten by Nationwide

Adventure Travel

• Covers almost all adventure activities for a reasonable price for U.S. residents up to age 70 (worldwide up to age 65)
• Can insure up to 9 people in one family and the signup process is super easy
• Founded in 2002 and underwritten for U.S. travelers by Nationwide Insurance

Family Travel

• Their “Trip Interruption for any Reason” feature allows you to get a 75% reimbursement for any additional expenses if you decide to go home early from your trip
• They have a variety of insurance products to suit any travel needs
• Founded in 1993 and underwritten by Nationwide Insurance

Long-term Travel

• Ideal for digital nomads and long-term travel, available to anyone anywhere
• Scored lower because short-term travel coverage isn’t as robust as competitors
• Founded in 2018 and is underwritten by Lloyds of London

CAN YOU CANCEL YOUR TRIP FOR ANY REASON?

• Compare dozens of travel insurance policies from all the major providers in one place

Italy travel insurance FAQs

When should i buy italy trip insurance.

It’s best to purchase Italy travel insurance once you’ve booked your trip and paid any deposits necessary, especially when it involves Trip Cancellation benefits. Trip Cancellation protects you and any other travelers insured on your policy against unforeseen events or emergencies during your vacation. Therefore, the sooner you purchase it, the better. If you intend to get “Cancel for Any Reason” (CFAR) or Pre-Existing Condition coverage, you must do so within 14-21 days of booking your trip. Check with your preferred insurance provider for details.

Can I buy Italy travel insurance once my trip has begun?

It is always more advantageous to purchase Italy travel insurance before your trip has begun, but you can buy it once your vacation has started. Be aware that your benefits are only valid from the date of purchase and are not retroactive. In short, if you have a minor medical emergency on the second day of your trip but only get trip insurance on the third day, your insurance will not cover that event.

Is it worth getting “Cancel for Any Reason” insurance?

Cancel for Any Reason (CFAR) plans are optional upgrades you can tack on to your standard plan and are a perfect choice for those who are risk-averse or need added financial protection. The coverage allows you to do precisely as it claims and usually comes with a 75% reimbursement of nonrefundable trip costs not covered by your policy.

Will my Italy travel insurance plan cover the costs of canceled flights?

You can expect your Italy trip insurance policy to cover the costs of your canceled flight if the airline cancels service for 24 hours or more due to an employee strike, inclement weather or a natural disaster. However, you may have to cancel your flights for several reasons, but they must be for “approved” reasons per the terms of your plan to qualify for reimbursement. Examples of approved reasons include the injury and the illness or death of you or your travel companion(s).

Does trip insurance cover rental car accidents?

On the whole, travel insurance policies do not cover rental car collisions while you’re in Italy or any foreign country, for that matter. That said, some providers may have optional upgrades to cover such situations, but it’s important to note that they will not cover RVs, long-term rentals or luxury cars. You can also check if your auto insurance provider in the US offers coverage abroad. However, your best bet is to purchase additional insurance from your car rental agency, for which they charge an extra daily fee.

What should I do if my travel companions or I have an emergency during our vacation in Italy?

You can dial 112 (the European emergency line) for emergencies in Italy. It is a free call from any phone. If you don’t have a phone or need help, you can shout out “uno, uno, due!” (112) in a crowded area and someone is bound to call for you. Should you or any of your travel companions insured on your policy have a medical emergency, contact your trip insurance provider via the designated customer support hotline. They can arrange travel to the top hospital in your region and ensure it meets US standards.

What does Italy travel insurance exclude?

Your trip insurance plan’s benefits only extend to unexpected or unforeseen events. Your Italy policy may offer extensive coverage, but you must know what it does not cover. One of the major ones is canceling due to personal preference, whether due to an increased workload or no longer wanting to go on vacation with your planned travel companion. Of course, you can expand your coverage by purchasing your insurance through Seven Corners and opting for the Cancel for Any Reason upgrade . If you don’t have a clean bill of health, getting a pre-existing medical condition optional upgrade will be essential. With this extended coverage, your benefits will cover you for nearly all documented medical conditions. Remember that each travel insurance company limits when you can buy it. Most will require that you do so within 14-21 days of booking your trip (flights/accommodations/cruise). If you are pregnant, you will need to verify that any pregnancy-related issues qualify for coverage. Read the full policy details or confirm by calling your insurance agent.

Can I get travel insurance through my credit card companies?

Many credit card companies offer their cardholders “travel protection” for free, which covers the parts of your trip you pay for using your credit card, such as flights, rental cars and accommodations. This is not the same as getting Italy travel insurance since credit card companies do not cover emergency medical and evacuation services. Ultimately, benefits are usually far less robust than any Italy trip insurance plan you can get from a dedicated travel insurance company.

Typical problems tourists may experience while traveling in Italy and how to avoid them:

The great news is that you don’t need to worry about contracting exotic illnesses as you would in a tropical or subtropical country. The most common illness visitors to Italy suffer from is heatstroke (aka sunstroke), a serious concern between July and September. Since it can be fatal, there are several precautions you can take to minimize your risk. The first is to avoid being in the sun mid-afternoon when it’s hottest. Temperatures during Italian summers often hover in the 90-degree range and sometimes even break 100. The second is to consume minimal alcohol, as it’s incredibly dehydrating. The third is to drink plenty of water and freshly pressed juices (not bottled), the latter being particularly hydrating. And lastly, be sure to eat plenty of water-rich foods like raw fruits and vegetables, of which there is an abundance in Italy. That said, if you ever experience an increase in heart rate, high fever, confusion and delirium, vomiting, nausea, headaches, unusual sweating, loss of consciousness or any combination of these symptoms, seek medical treatment immediately. Heatstroke creates a swelling of the organs and, if left unchecked, can result in organ failure, brain damage or death. Additionally, it’s worth mentioning that Italy has its fair share of deadly critters, which can lead to various illnesses. For example, the asp viper is a poisonous snake whose bite can make you sick and even causes fatalities in up to 4% of incidents. Italy also has 6 other venomous snakes, all of which are part of the viper family, so keep your eyes open for them while you’re out hiking or walking in rural areas. Another critter that can land you in the hospital is the European black widow spider. While the initial bite may feel like little more than a pinprick, the symptoms become unbearable in the aftermath: disorientation, a quickly elevating fever, nausea and extreme muscle pains. Lastly, beware of jellyfish. Italy has over 100 species! The most troublesome one is the nomad jellyfish, whose tentacles will wrap around you and inject their venom, leaving you with a stinging, blistering rash lasting up to 3 weeks. If you suffer bites from any of these critters, get to a doctor quickly to minimize the symptoms.

One of the most frequent reasons for accidents among visitors to Italy is car and moped collisions. While Italians drive on the same side of the road as North Americans, they take a wilder approach to driving than most of us are used to, including occasionally treating traffic lights like mere suggestions. While Italians may be adept at navigating traffic and cruising skillfully along their winding coastal roads, most foreigners feel disoriented and overwhelmed. Combine this without knowing one’s way around, and it’s bound to lead to accidents. Like most places, slipping, tripping, and falling are common in Italy, especially when walking along old, uneven sidewalks and cobblestoned streets. Scrapes, bruises, and twisted or broken bones are inevitable. Always get your injuries checked out by a doctor, even if they seem minor. Other injuries can come from natural disasters, such as earthquakes and volcanic eruptions, adventure sports, and other outdoor activities. Skiing, particularly piste skiing, results in plenty of accidents and injuries each year. Always check the weather report before venturing out to hike, ski, swim, or do anything else nature-related.

While Italy is generally a very safe country to visit, bag-snatching and pickpocketing are commonplace in areas heavily frequented by tourists. They happen so frequently that you must be on guard when you’re out and about. So if you can avoid carrying a purse or backpack, definitely do so. A money belt is a much safer option and will put your mind at ease as you walk around and explore. If that’s not possible, you need to take a few precautions. First and foremost, always lock your valuables in your hotel room safe or padlock them in one of your suitcases. Another is to carry your backpack or bag on the front of your body to discourage thieves from unzipping it and helping themselves to your money and belongings. Lastly, whenever you’re in busy restaurants or cafés among other tourists, never hang your bag on your chair or leave it on an empty chair beside you. And leaving it on the floor is an absolute no-no unless you want to guarantee it will get stolen. In such circumstances, keep your bags on your lap. See our Safety section below for other scams and crimes you need to be aware of while traveling through Italy as well as extra measures you can take to ensure you have a safe and enjoyable vacation.

Emergency resources for Italy

Phone numbers.

If you need to reach the police, fire or medical emergency services, dial 112 from any phone. Should you need someone in your immediate surroundings to call for you, shout, “Chiamo uno, uno, due!” which means “Call 112!”. (It is pronounced kee-AH-mo oo-no oo-no do-ay.)

US embassy or consulate details

The United States has an embassy in Rome and consulates in Florence, Milan, and Naples. If you need further information on location, phone number, opening hours, and citizen services, visit the Embassy’s website . If you want to be extra careful, list your Italy travel itinerary with the Department of State’s Smart Traveler Enrollment Program . After doing so, you will receive relevant travel alerts for the time frame you’ll be in Italy. Furthermore, registering makes it easier for the US Embassy in Rome to communicate with you or your family in the States should an emergency arise.

Other local knowledge that is helpful for travelers

Accommodations.

Italy offers visitors a wide range of accommodations. From palaces (palazzi) and castles (castelli) that have been converted into extravagant luxury hotels, vacation rentals, bed and breakfasts (B&Bs), mid-range hotels to farm stays (agriturismo), there’s something for everyone. Since Italy gets tens of millions of tourists every year, reserving your accommodations well in advance is essential. Agriturismo has become famous as the ultimate eco-friendly way to experience Italy. Farm stays allow you to connect with nature and the local culture in ways other accommodation choices may not. Imagine waking up on a vineyard, strolling to a trailhead just a few minutes from your cottage, learning how to make olive oil, picking fruit with your local farmer, or experiencing homemade meals in the countryside. To find your ideal farm stay, check out the Agriturismo website .

Adventure Activities & Extreme Sports

From north to south, plenty of adventures are to be had in Italy’s great outdoors. Whether you decide to go hiking in the Dolomites, skiing in the Alps, scuba diving in Bacoli, kayaking in Naples, or white water rafting in Calabria, you’re bound to have a fantastic time. If you’re traveling during the high season, June through September, try to book your activities in advance to guarantee availability, even if it’s just a week or two early. Should you wish to protect yourself to the fullest with a medical emergency and evacuation coverage, get Italy travel insurance before leaving home for your trip.

Communication

You have several options to choose from when it comes to staying connected with friends and family back home and getting online during your vacation in Italy. The cheapest option is, of course, relying on free WiFi in hotels, Airbnbs, specific public spaces, and some restaurants. Free calling and messaging apps that rely on WiFi are a great no-cost solution. Be aware that café culture in Italy differs significantly from that of other Western countries: Most do not have WiFi. Instead, Italians view cafés as places for relaxing, socializing, eating, and drinking. Therefore, unless you walk into one of the few Starbucks in the country, you likely won’t see people typing away on their laptops. For travelers needing to be connected 24/7, you can take a couple of routes. First, ask your mobile carrier to add an international roaming plan for Italy to your account for your vacation dates. However, be aware that such plans only come with a little data and the overage fees can be steep. A second, more cost-effective approach is to get a prepaid SIM card once you arrive in Italy. You can get one from the following four carriers’ retail locations: Vodafone, 3, Wind, and TIM. Ensure you have your passport for the initial registration and setup. Of course, there is an in-between alternative: rent a WiFi hotspot (aka pocket WiFi) in Italy or online before you depart home. Doing so will allow you to get online whenever you need, regardless of whether you’re in a big city or a small family-run hotel in the countryside, at only a fraction of the price.

Like many other European countries, Italy uses the euro (€). Euro notes (bills) come in the following denominations: €5, €10, €20, €50, €100 and €200. That said, many businesses will not accept €200 notes. The €500 note was completely pulled from circulation in 2019, so never accept one or you will be cheated out of its supposed face value. As for coins, they have €0.01, €0.02, €0.05, €0.10, €0.20, €0.50, €1 and €2. If you find your pockets filled with coins, put them to good use by buying coffee and cannolis and tipping those who help you. You can get around Italy using a mix of cash and card, but never just cards. You will get the best exchange rates by using ATMs (bancomat) in Italy and withdrawing cash from your US bank account. Even with ATM fees, you will still get a better deal than exchanging US dollars at a money changer. Unlike in the US, ATMs in Italy dispense a variety of bill denominations, and some will even let you choose your denominations. Many small shops only accept cash, so be prepared for this. Use your debit and credit cards to pay for larger ticket items, such as rental cars, hotels, train tickets, tours and more. Just be sure you have credit and debit cards that do not charge you an “international transaction fee,” which is usually 3% of your total purchase. And always remember to notify your banks and card companies back home about your travel dates and destination, so they don’t freeze your account due to suspicious activity. Lastly, it is vital to mention that in Italy and most of Europe, card processing machines require you to enter your 4-digit PIN upon making a purchase instead of signing the sales slip. So be sure to memorize all your PINs before leaving home for your vacation in Italy.

Entry Requirements

Since Italy is part of the Schengen Area , which comprises more than 2 dozen European countries, you can travel between them visa-free for up to 90 days. After that, you must leave the Schengen Area. You are allowed a maximum of two 90-day Schengen visits per year. Another way to look at it is that you are allowed 180 days annually with no one visit exceeding 90 days in the Area.

Food & Drink

Italian cuisine is famous worldwide, and it’s no wonder why: Italy has the freshest and highest quality ingredients grown and produced domestically, recipes that date back centuries and flavor combinations that can leave you dreaming about them for years. In addition, Italians treat food with the respect and reverence it deserves and take their time eating. While Italians typically only have a cappuccino and cornetti (a croissant and brioche-like pastry) for breakfast, they are known for luxuriating in long, several-course lunches and dinners. If you want to live like an Italian on your vacation, understanding the course order for meals is essential. Before you begin your meal, you have an aperitivo consisting of a drink and a small snack. An antipasto follows it, an appetizer usually in a small plate of cheeses and cured meats. The next course is primo (meaning 1st), the first main dish. You can expect soup or a pasta dish (often vegetarian) for this course. As you may expect, the course that follows it is secondo (meaning 2nd), the second main dish, which is either a meat or seafood dish, along with a contorino, a vegetable-based side dish that they serve with the secondo. At this point, you’re probably wondering how long Italian meals are. If you are dining out or joining a big family home-cooked meal, expect it to last several hours. The secondo and contorino may not signal the end of a meal but don’t forget to mop your plate with a piece of bread. This is what the Italians call “fare la scarpetta.” An insalata often follows the main dishes, a small salad often dressed with extra virgin olive oil (EVOO) and a bit of fresh lemon juice. If you’re at a real feast, formaggio e frutta, a cheese and fruit plate, will likely follow. Finally, if you’ve made it this far, it’s time for dessert, also known as dolce. And just as the meal begins with a drink, it also finishes with a drink–two of them. First comes the caffè, a shot of espresso that you can sip slowly, and the second is the digestivo, a post-dinner alcoholic drink. Unlike in the US, you must ask for the bill/check (il conto) in restaurants. People take their time eating in Italy, and bringing you the bill without you asking would come across as rude. So, a simple “Il conto, per favore,” will suffice once you finish eating. Also, never ask for a “doggy bag,” as this is not done in Italy. Another aspect of Italian dining worth knowing is that despite being safe to drink, restaurants and bars rarely serve tap water. It’s simply not done. Instead, if you want water, you must buy it bottled. They call sparkling water frizzante and still water acqua naturale. Water is always served cold, but never with ice unless requested. Even then, don’t expect a glass full of ice. You’ll most likely get a few cubes at best. One of the best things about traveling around Italy is that every region is known for different types of foods. For example, pizza in Rome bears little resemblance to pizza in Naples. Just as the type of pasta made in the Emilia Romagna region (northern Italy) is distinctly different from that made in Campania (southern Italy). Pasta in the north is made from soft wheat flour. Whereas, in the south, it is made from durum wheat flour, which is denser and, to a discerning palate, creates an entirely different pasta. Exploring these culinary distinctions is one of life’s great pleasures. You could travel around Italy for a year and still not try every traditional dish the country offers. So, of course, pizza is a must-try during your Italian vacation. There are two types: Pizza Romana (from Rome) and Pizza Napoletana (from Naples). The former is paper-thin, often with little to no crust. In contrast, Pizza Napoletana is very doughy and made with a thick, bubbly crust all around it. Beyond the handmade pasta, pastries, tiramisu, risotto, fish, seafood, cheeses and olives, visitors love Italy’s cured meats and wines. After all, Italy is the world’s largest wine producer, and the affordable prices in relation to the quality of the wines will astound you. The country is divided into 20 regions, each specializing in different wines. If you want red wine, ask for vino rosso; if you want white wine, vino bianco. Cured and flavored meats abound in Italy, with the most common being pork. If you see pancetta, prosciutto di Parma, mortadella, prosciutto cotto or soppressata, you know they are various types of cured pork. In addition, you may find some cured chicken, turkey, game meats and beef, but they are much rarer. One thing that often baffles tourists is the Italian coffee culture, which barely resembles anything people from North America know. Italians are purists when it comes to coffee. No flavored syrups, 20-ounce drinks, milk alternatives or sugar substitutes exist. In Italy, it’s always coffee, sometimes milk and maybe a little sugar. And to be clear, they don’t serve gigantic pots of drip coffee with free refills. When Italians speak about coffee (caffè), they mean espresso. Most buy their coffee in a bar. Bars in Italy are all-day businesses that serve both coffee and alcohol. You will often notice locals standing around the bar or high tables polishing off their espresso shots quickly. However, when discussing breakfast, many will sit at a table and take their time with a cappuccino and pastry. (This is as serious as Italians get about breakfast.) Since ordering coffee is essential and very different from what most visitors are used to, let’s review your options: First, a shot of espresso, as mentioned above, is un caffè. Savvy baristas will ask you, “un caffè normale?” to which you should respond with “Sì.” They want to ensure you understand you’re not getting drip coffee but regular Italian coffee. If one shot of espresso is not enough, order a caffè doppio (2 shots), also called a doppio for short. If you want a thicker espresso made with an absolute minimum of water, order a ristretto (aka un caffè corto). For those who find straight espresso too strong, consider ordering a caffè lungo–a shot of espresso with added hot water. A lungo is more robust than an americano but not as large and far more common among Italians. If you want to enjoy a coffee later in the day but don’t want to be awake all night with a caffeine buzz, order a un caffè deca (decaffeinato). The sweet-tooths might wish to order un caffè con panna (espresso topped with whipped cream) or un caffè shakerato (shaken espresso with sugar and ice). One mistake tourists in Italy make is ordering a latte. Be aware that if you order a latte, you will get a glass of milk or, at best, a cup of steamed milk. If you want the equivalent you’re used to back home–espresso and steamed milk–you must order a caffè latte. Another drink that will confuse most Americans and Canadians is the macchiato, which means “marked.” In Italy, you have two choices: a caffè macchiato (espresso marked with a bit of milk) or a latte macchiato (milk marked with a bit of espresso). One thing to note is locals start with milk-heavy drinks in the morning, like a cappuccino (espresso with steamed milk and milk foam) and gradually transition to coffee drinks with little to no milk as the day progresses. Of course, there’s much more to Italian drinks than just wine and coffee. Limoncello is one of the most popular alcoholic beverages. It is made primarily in southwestern Italy from lemon peels, neutral grain spirit alcohol, sugar and water. A second famous alcoholic drink is grappa, a brandy made from the grapes leftover from winemaking. Lastly, order a spritz if you need to cool down on those hot summer days. It’s prosecco mixed with sparkling water and a bitter liqueur, such as Campari, Aperol or Cynar, served over ice with an orange slice. There’s so much more to Italian food and drink, but this is a great primer to get you started.

Getting Around

Visitors to Italy can rest easy knowing they can get around the country without dealing with all the challenges and expenses of renting a car (though that is an option too). Exploring far-flung corners is often quite easy between an extensive train network, a national bus system, and plenty of domestic flights and boats shuttling tourists between ports and resorts. Long-distance buses linking villages, towns and cities across Italy are quickly increasing. Traveling by bus is one of the most affordable ways to get around Italy and also provides the most flexibility, as it tends to reach areas the national rail system does not serve. Large bus companies like Flixbus and Megabus operate throughout Europe, including Italy. In addition, local buses operate in various towns and cities, but a visit to the nearest tourist center will be necessary to figure them out. Italy used to be infamous for its poor rail system. Still, over the years, the government invested significantly in high-speed trains, which has made domestic travel far more efficient and comfortable. If you want a reasonably-priced seat on a high-speed train, make an advanced reservation online. Trenitalia operates most trains nationwide, and their website is available in English. In addition, Italo , a privately owned company, runs several high-speed trains. Italy has three types of trains: Alta Velocità (high-speed trains), Regionale (cheapest and stop most frequently) and InterCity (shuttles people between major cities). Most trains have 1st and 2nd class cars, so pay attention to which class you book, especially when using a ticket machine. 2nd class trains are a great way to save as much as 50% on fares. Be aware that chances of getting refunds on train tickets or changing travel times and/or dates are slim to none. Lastly, many major cities in Italy have subway systems (metro), which your hotel or a nearby tourist office can explain to you. Being surrounded by the Mediterranean Sea on one side and the Adriatic on the other, along with numerous breathtaking lakes, ferries and boats, are a terrific mode of transportation in Italy. Most tourists catch ferries to Sicily, Sardinia, Capri, the Tremiti Islands and the Aeolian Islands. Long-distance, international ferries can also get you to Greece, Croatia, Spain, Tunisia, Albania, France and Malta. Sightseeing boats also operate on some of the more famous lakes, such as Como, Iseo and Garda. Renting a car is a popular choice among tourists since it provides more freedom in terms of time and destination. It allows you to travel breathtaking coastal roads far from bus and train routes, and stopping anywhere at any time is your prerogative. To rent a car in Italy, you will need your US driver’s license and an International Driver’s Permit, which you can get from your local AAA branch or apply for by mail (instructions are on their website). You can also rent motorcycles, Vespas and bicycles to explore this magical country. However, renting a car in Italy presents several challenges. The largest one is Italian drivers. While they drive on the right side of the road like in the US, Italian drivers are high energy and rather free-spirited in their approach to traffic lights, lane lines and road rules. There’s also the problem of parking. Parking, particularly in Italian cities, is a nightmare. Not only are parking spots hard to come by, it’s not unusual for cars to get smashed into or scratched.

While many Italians are conversant in English, especially in larger cities, it’s always helpful to know a bit of the language to help you along as you explore the country. Moreover, Italians will appreciate your effort and often go out of their way to help you. So, aside from the basic numbers–which you should learn if you plan to shop at markets– here are some useful words and phrases to get you started:

• good morning (formal) – buon giorno
• good afternoon (formal) – buon pomeriggio
• good evening (formal) – buona sera
• good night (formal) – buona notte
• Hello (informal) – ciao
• goodbye (informal) – ciao/arrivederci
• goodbye (formal) – arrivederla
• see you soon – a presto
• see you later – a più tardi  
• see you – ci vediamo
• until next time – alla prossima
• have a good day – buona giornata
• have a good evening – buona serata
• please – per favore
• thank you – grazie 
• many thanks – grazie mille
• you’re welcome – prego
• excuse me (formal) – mi scusi
• excuse me (informal) – scusa
• I’m sorry – mi dispiace
• Do you speak English? – Parla inglese? (par-lah in-glay-say)
• I don’t speak Italian – Non parlo italiano
• I don’t understand – Non capisco
• don’t worry – tranquillo/tranquilla (depending upon whether you’re 
• speaking to a man or a woman) 
• yes – sì  
• maybe – forse
• I don’t know – No lo so
• I don’t think so – Penso di no
• Where is ____? – Dov’è ____?
• American embassy – l’ambasciata americana
• train station – la stazione ferroviaria
• bus station – la stazione degli autobus
• bus stop – la fermata di autobus
• airport – l’aeroporto
• police station – la stazione di polizia
• city/town center – il centro
• city/town square – la piazza
• hospital – l’ospedale
• coffee shop/bar – caffè/bar 
• a good restaurant – un buon ristorante
• supermarket – il supermercato
• bathroom – il bagno
• left – la sinistra
• right – la destra
• near – vicino
• far – lontana
• turn left – gira a sinistra
• turn right  – gira a destra
• go straight – vai diritto
• go back – vai indietro
• go that way – vai in quella direzione
• Help! – Aiuto!
• ambulance – un’ambulanza
• hospital – l’ospedale
• pharmacy – la farmacia
• pain – dolore injury – danno

Local Customs & Etiquette

Unlike in the US and Canada, only ask someone how they are doing if you are genuinely curious and want an answer. Otherwise, a simple “Buongiorno” or “Buonasera” will suffice. Also, when entering a shop or place of business, always greet the staff formally with “Buongiorno” or “Buonasera,” depending on the time of day, and make eye contact with the person or people. When you leave, say “Arrivederci.” Follow this social norm to avoid being thought rude and potentially receiving poor service. Should you make a new Italian acquaintance, make eye contact, shake hands, state your name and say “Piacere,” meaning pleased to meet you. That said, if you have Italian friends, you’ll notice that the norm, regardless of whether you are male or female, is to greet one another with a kiss on each cheek, starting with the left. Even if you’re not religious, Italians want visitors to respect their churches and basilicas by dressing and conducting themselves appropriately. The proper attire includes tops that cover your shoulders and long pants or skirts, ideally ankle-length. Refrain from eating or drinking when you’re in such places of worship and always whisper if you speak at all. Always give Italians and other Catholics the space and silence they need to pray. This includes switching off your phone while you’re inside. Like other Southern European countries, Italy has a flexible relationship with time. Arriving early is not done. Most Italians will show up to a meeting or a dinner party a few minutes late, and it’s not considered rude. Even public transport is rarely on time. As you may have guessed, Italians take mealtimes very seriously, especially lunch, known as pauza di pranzo (lunch break). Italians usually take from 1-4 pm off during the weekdays, closing their businesses during this time. Some Italians combine lunch and a nap before returning to work at 4 pm for at least another 3 to 5 hours. While this routine is slightly less rigid in larger metropolitan areas, it’s still prevalent in towns and villages. Furthermore, Italians are known for eating dinner late. A typical time is between 9 and 10, though seeing Italians finally sit down to dinner at 11 pm is not unheard of. You’ll be lucky if you can get a table before 7:30 pm. If you get hungry between lunch and dinner, have an aperitivo to tide you over. Italy’s aperitivo, a drink and a small snack, is comparable to Spain’s tapas. To maintain a positive rapport with locals, avoid getting drunk. Italians see wine and other alcoholic drinks as pleasures to pair with food. Only very rarely will you see grown Italians drinking to get drunk, except by the younger crowd on occasion. Should an Italian invite you to their home for dinner or Sunday lunch, be prepared to be wowed by a homemade feast. The polite gesture would be to bring pastries to share with everyone, flowers or a fancy box of chocolates. Pace yourself while eating. Italians take their time with food, so follow your host’s lead. Be aware that finishing everything on your plate is a massive compliment to the cook and an invitation to be served seconds. Italians are known for communicating with their hands and facial expressions as much as their words, if not more so. They are also very tactile and affectionate, so don’t be alarmed. Should you meet a man or woman who is older than you, greet them accordingly with “Signore” or “Signora” to show respect.

Safety & Scams

There’s a lot to keep in mind regarding safety in Italy, despite it being a relatively safe country to visit. As mentioned in the earlier section on muggings, bag-snatching and pickpocketing are unfortunately common in high-density touristic areas. An obvious scam that happens nearly everywhere is taxi drivers trying to operate without switching on their meters. Refuse service from any taxi driver who tries to pull this on you. Remember, all taxis in Italy are regulated, so steer clear of those driving unmarked vehicles without meters. Also, note that it is legal for taxi drivers to charge you per item of luggage and an additional fee to cover the distance they drive to pick you up if you book them in advance. Unless you want to end up with a €300,000 fine, do not purchase counterfeit designer goods, such as fur coats, scarves, purses, sunglasses and more. Buying or selling imitation goods is illegal in Italy. If a well-dressed man, typically in a suit, claims to be in the fashion business and has some samples from a trade fair he worked at, do not show any interest. He will inevitably attempt to sell you fake designer gear and cheat you of several hundred or thousands of euros. The Roma people, usually referred to as gypsies in English, are known for operating several scams on tourists, mainly in Rome, Florence and Naples, for several decades now. You will often see Roma women sitting on the side of the street begging with a sedated infant or Roma children deployed by their parents in groups to beg in tourist areas. Sometimes, they prioritize pickpocketing. One will distract you with a ruse, a plea for help or an attempt to sell you something, while one of their buddies will snatch whatever is easily accessible in your pockets. Another scam to avoid is those who try to “help” you use ticket machines in major train stations or to carry your luggage, claiming to be official porters. Such positions once existed in Italian train stations but no longer do. Usually, one of two motives are at play: an attempt to rob you or charge you a small fortune for their “service.” Unfortunately, some of the worst scammers are restaurants, bars and cafés in public squares or adjacent to important historical sites. Many of these places will overcharge you. This can be officially done by listing high prices on their menus or simply charging you whatever they wish at the particular moment you ask for the bill. You can do many things to safeguard against being ripped off. The first is to steer clear of these businesses and frequent restaurants and bars that are, at the minimum, 3-4 blocks away. They are usually less crowded and offer a more pleasant overall experience. Also, whenever you’re in restaurants, ask to see a written menu, so you are aware of the prices. This will help you clearly understand what you can expect to pay. Furthermore, if you ask for the check and they hand you a handwritten version, request the official tax receipt, aka ricevuta fiscale. These are usually printed and the business must pay tax on whatever amount is on the ricevuta fiscale. While this process reduces tax evasion, it also conveniently discourages them from overcharging you. Finally, do not hesitate to call the police at 112 if you suspect a business is trying to cheat you. Lastly, if you wish to avoid scams, do your best to blend in with the Italians. Drink your coffee at the bar, do not stand in the middle of the sidewalk or street looking at a guidebook or map, always dress in classic or chic clothing and look well-presented, including styling your hair and/or wearing makeup. Avoid wearing sports gear (running shoes included), skimpy clothing, flip-flops, clothing with brand names and logos plastered across it, or items in poor condition. Additionally, do not carry a backpack, as it’s a dead giveaway that you’re a tourist.

For the longest time, tipping was not customary in Italy. However, with tourism skyrocketing over the last few decades, tipping is becoming more accepted and sometimes even expected. Nevertheless, there are no hard and fast rules around tipping, other than whether to tip or not rests solely with the customer. Workers who do not receive tips are taxi drivers, hair stylists, barbers, massage therapists, other spa staff or bar staff (unless you receive table service). In restaurants, it’s important to note that you may see two separate charges included on your bill/check (conto) that may not be familiar. The first is a service charge of 10-15% (servizio incluso) that goes to the staff. Even when a service charge appears on the bill, many people will leave an extra tip or round up if the service was excellent. For example, if the bill is €56, leave €60. The second is called a coperto, and it covers the bread, olives, olive oil and other extras your server brings to your table. This charge ranges anywhere from €1.50-€4 per diner at your table, depending on the restaurant and what it provides. Unlike in the US, though, people do not leave tips if their food is unsatisfactory or the service is poor (or downright terrible!). Therefore, do not see tipping as obligatory. Instead, see it as a way to show appreciation for a job well done. Two other unspoken rules for tipping in Italy are to always tip in cash and never hand a tip (mancia) directly to a restaurant server. Instead, leave it on the table. Giving it directly to a server is considered rude and obnoxious. However, if you are sitting at an outdoor table in a busy or touristy area, you should hand your payment and tip to the server all at once and tell them to keep the change. This will help prevent it from getting stolen. That said, people consistently tip hotel staff. Leave your housekeepers €1-2 each morning so that the person who cleans your room that day benefits. If you leave it on the last day, it may all go to one cleaner, even if they didn’t clean your room on the previous days. €1 should suffice for the doorman, €1/bag for porters and €5-€10 for the concierge, depending on how complex or time-consuming your request may be. Room service staff generally don’t expect tips, but it’s a nice gesture to leave €0.50-€1 on the tray. The last type of worker you should tip is tour guides, mainly because tips are their primary source of income. If you join a free walking tour that is 2 hours or less, tip your guide €10-€15 per person. For longer tours, increase your tip accordingly. And for larger paid tours, an appropriate tip is €5 per person for a half day and €10 per person for a full day. If you’re in a smaller group, you can determine the right amount to tip per person by taking 10% of the individual cost to join the tour.

A final note about travel insurance for the Italy

I have spent dozens of hours researching travel insurance, including getting quotes and comparing coverage from all the most popular brands. Regardless of where you’re going I am confident that you will also find that TravelInsurance.com offers the best way to compare policies with the ideal combo of coverage and price.

I wish you and yours an incredible journey.

SwiftScore Ranking Methodology

• Average price for a 2-week vacation based on a 35-year-old California resident traveling to the Italy with a $3,500 trip cost
• Coronavirus coverage
• Cancel for any reason (CFAR)
• AM Best rating of the underwriter
• Key policy details including cancellation, interruption, emergency medical evacuation, and baggage & personal effects
• Ease of sign up
• Policy language clarity
• User reviews

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11 Best Travel Insurance Companies in April 2024

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If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers, top credit cards with travel insurance, methodology, best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at no extra cost.

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Special medical insurance for ship captains and crew members, international students and missionaries.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Here is the list of travel cards offered by Chase that include various forms of travel insurance.

Having one of these in your wallet is a good start to protecting your travel investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 12 hours.

• Car rentals: Theft and collision damage for most cars in the U.S. and abroad.

• Trip cancellation: Up to $1,500 per person and $6,000 per trip.

• Trip interruption: Up to $1,500 per person and $6,000 per trip.

• Baggage delay: Up to $100 per day for three days.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

Italy Travel Insurance

• Get a Quote
• Renew/Extend Coverage
• Retrieve Quote

Do you require trip protection?

Tell us about your travelers.

Easily renew or extend your coverage.

If you have saved a quote within the past 14 days you can quickly and easily retrieve the quote and add, modify and change information for that quote. In the top right corner of the quote you saved you will see a unique number.

Is travel insurance required to enter Italy? 

Your Visa status will determine if you need travel insurance.  For example, international tourists who require a Schengen Visa to enter Italy must have valid travel insurance to apply for an Italian visa. However, if you can travel to Italy visa-free, then travel insurance is not mandatory.  

Why should you buy Travel Insurance to visit Italy? 

If you have a Schengen Visa, you must purchase travel insurance to enter Italy and other Schengen countries.  We recommend purchasing a trip cancellation insurance policy that provides additional coverage if something unforeseen were to occur while visiting.  Our Trip Cancellations policies also offer benefits for trip delay and trip interruption and on select plans, we offer the Cancel for Any Reason Benefit. 

Do Trawick International trip cancellations plans cover COVID-19? 

Yes, most of our plans treat COVID-19 like any other sickness. 

Optional Cancel for Any Reason coverage: 

On select trip cancellation plans, Trawick International offers the hard to find Cancel for Any Reason (CFAR) benefit that provides reimbursement for 75% of the prepaid, nonrefundable, forfeited payments you paid for your trip if you cancel your trip for any reason not otherwise covered by this policy - like border closures or travel bans.  This coverage MUST be purchased with the initial policy and within 21 days of the initial trip deposit date, and the full, nonrefundable trip cost is insured. (This benefit is not available in every US state). 

How much does travel insurance cost?

Many factors contribute to the cost of your travel insurance, such as your age, trip cost, length of trip, and other factors.  Please remember when you purchase a trip cancellation plan with Trawick International to include all non-refundable travel expenses so you can recover the investment if your trip is canceled or interrupted. 

When should I buy travel insurance? 

We recommend purchasing travel insurance within 21 days of the initial trip deposit date and include all prepaid, nonrefundable trip costs. By doing this, you will be eligible for CFAR and Financial default on a select trip cancellation plan. Please remember you can still purchase travel insurance after 21 days, but you may not be eligible for certain travel benefits. 

PLEASE NOTE: Guidelines may have changed since this was published. Before traveling, you should always check your destination's COVID-19 situation and travel requirements. Countries may have their own entry and exit requirements. Additionally, always check for travel advisories in the area to which you are traveling. Refer to https://www.cdc.gov/ and https://travel.state.gov/content/travel.html for up-to-date information and guidelines.

Privacy Policy

Trawick International’s Privacy Policy

Welcome to our website.  We appreciate your interest in us.  We take the privacy of our customers very seriously and are committed to protecting your privacy. This policy explains how we collect, use, and transfer your personal data, and your rights in relation to the personal data stored by us when you use our website or otherwise engage with our services.

Effective October 3, 2023

This policy sets out the following:

• What personal data we collect about you and how;
• How the data is used;
• Our legal basis for collecting your information;
• Who we share your data with;
• Where we transfer your information;
• How long we retain your information for;
• Your rights and choices in relation to the data held by us;
• How to make a complaint in relation to the data held by us;
• How to contact us with any queries in relation to this notice, or the personal data held by us.

Who is Trawick International?

Trawick International (“we,” “us,” or “our”) provides worldwide travel medical insurance, travel insurance, trip insurance for trip cancellation or trip interruption, international student insurance, group travel insurance, and many other products designed specifically for those traveling.  Our travel insurance programs are designed for those traveling to the USA, individuals traveling abroad, US Citizens who are traveling in the USA and non US citizens traveling from their home country but not visiting the USA.  We offer an extensive worldwide network of quality physicians, hospitals, and pharmacies.  We cover employees, corporations, schools, frequent world travelers, international students, study abroad programs, missionary trips, and just the casual vacation traveler.  Our individually customized plans can cover hospital stays, doctor visits, x-rays, prescriptions, ambulance, emergency evacuation, repatriation, flight insurance, trip interruption, trip cancellation, trip delay, and lost baggage.   

For the purposes of European data protection laws, if you are visiting our  website www.trawickinternational.com (or otherwise engaging with our services from the European Economic Area (or "EEA"), the data controller of your information is Trawick International.

What is personal data?

In this privacy policy, references to "personal information" or "personal data" are references to information that relates to an identified or identifiable individual. Some examples of personal data are your name, address, email, and telephone number, but it may also include information such as your IP address and location in certain jurisdictions.

What personal data do we collect?

We collect personal data that you provide to us when you sign up for our services, such as your contact information and financial information. We may also collect commercial information based on how you interact with our services, such as the products or services you’ve purchased or other Internet or network activity, such as your website browsing history or mobile device information.

Below are some more details on the type of personal data we collect.

Information that is provided by you:

In order to provide services to you we may ask you to provide personal information. This may include, amongst other things, your name, email address, postal address, telephone number, gender, date of birth, passport number, bank account details, credit history and claims history, citizenship status, marital status depending on the service you are seeking. The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point at which we ask you for it or upon request.

Some of the information that you provide may be “special category” (or “sensitive”) personal data. Sensitive personal data relates to your racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, genetic data, biometric data for the purpose of uniquely identifying a natural person, data concerning health or data concerning a natural person’s sex life or sexual orientation, and can sometimes be inferred from other, non-sensitive, information that you have provided.

Information that we collect on our website:

When you visit our website, we will seek your consent to collect certain information from your device. In some countries, including countries in the EEA, this information may be considered personal information under applicable data protection laws.

Specifically, the information we are seeking to collect includes information like your IP address, device type, unique device identification numbers, browser type, broad geographic location ( e.g., country or city-level location) and other technical information. We may also collect information about how your device has interacted with our website, including the pages accessed and links clicked.

Collecting this information enables us to better understand visitors to our website, where they come from, and what content on our website is of interest to them. We use this information for our internal analytics purposes and to improve the quality and relevance of our website to our visitors.

Some of this information may be collected using cookies and similar tracking technology, as explained further under the heading “Cookies" below.

Information that we obtain from third party sources:

From time to time, we may receive personal information about you from third party sources but only where we have checked that these third parties either have your consent or are otherwise legally permitted or required to disclose your personal information to us.

For information about a third party’s usage and/or sharing of your personal data, please refer to the third party’s own privacy statement.

We may, where we are legally permitted to, also collect personal data from the following sources in order to provide services to you:

• Credit reference agencies;
• Anti-fraud and other databases;
• Government agencies;
• Electoral register;
• Court judgments;
• Sanctions lists;
• Family members; and
• In the event of an insurance claim: the other party to the claim, witnesses, experts, loss adjusters, solicitors, and claims handlers.

How is personal data used?

We may need to use your personal data in order to carry out the following activities:

• To set you up as a new client (including carrying out “know your customer” checks);
• To provide you with an insurance quote;
• To provide our products and services to you;
• To respond to your inquiries;
• To accept payments from you;
• To communicate with you about your policy;
• To renew your policy;
• To obtain reinsurance for your policy;
• To process insurance and reinsurance claims;
• For general insurance administration purposes;
• To comply with our legal and regulatory obligations;
• To model our risks;
• To defend or prosecute legal claims;
• To investigate or prosecute fraud;
• To respond to your enquiries; or
• To secure our network and our website, debug the website and repair errors;
• To conduct audits related to our interactions with you;
• To make our products and services better and to develop new products and services;
• To send you notices and information regarding our products or services, including notifying you about special promotions or offers, where we are legally permitted to do so; and
• Enforce our Terms and other usage policies and comply with legal requirements.

Our legal basis for collecting your information:

Our legal basis for collecting and using your personal data will depend on the personal data concerned and the specific context in which we collect it.

We will normally collect personal data where we need the information to provide you with our services / perform a contract with you, where the processing is in our legitimate interests and not overridden by your data protection interests or fundamental rights and freedoms, or with your consent.

In some cases, we may use your personal data for a legal obligation, e.g., in order to complete “know your customer” and money laundering checks before taking you on as a new client.

If we ask you to provide personal information to comply with a legal requirement or to perform a contract with you, we will make this clear at the relevant time and advise you whether the provision of your personal information is mandatory (as well as of the possible consequences if you do not provide your personal information). You are under no obligation to provide personal data to us. However, if you should choose to withhold requested data, we may not be able to provide you with certain services.

Similarly, if we collect and use your personal information in reliance on our legitimate interests (or those of any third party), we will make clear to you at the relevant time what those legitimate interests are.

If you are a UK resident, we may collect and use your personal information, including sensitive personal information, on the basis of the insurance derogation in the UK Data Protection Act 2018.

If you are an EU resident, we may collect and use your personal information, including sensitive personal information, on the basis of the substantial public interest of insurance purposes, as regulated in the General Data Protection Regulation (GDPR).

If you have questions about or need further information concerning the legal basis on which we collect and use your personal information, please contact us using the contact details provided under the “Contact Us" section below.

Who is your personal data shared with?

We may disclose your personal information with the following categories of recipients.

• To our group companies, third party service providers and partners who provide data processing services (for example data hosting and storage companies, email marketing affiliates, and payment and claims processing companies) or who otherwise process personal information for purposes that are described in this Privacy Policy (see “How is personal data used?”).
• To any competent law enforcement body, regulatory, government agency, court or other third party where we believe disclosure is necessary (i) as a matter of applicable law or regulation, (ii) to exercise, establish or defend our legal rights, or (iii) to protect your vital interests or those of any other person;
• To a potential buyer (and its agents and advisers) in connection with any proposed purchase, merger or acquisition of any part of our business, provided that we inform the buyer it must use your personal information only for the purposes disclosed in this privacy policy;
• To any other person with your consent to the disclosure.

We do not sell (or exchange) your personal information for monetary compensation.

If you are a US resident, from time to time we may share your personal information with third parties for a third party’s own direct benefit and this type of sharing may be considered a sale under certain applicable laws. For more information on the type of information we may share in this manner, please contact us.

International Transfers

Your personal data may be transferred to, and processed in, countries other than the country in which you are resident. These countries may have data protection laws that are different to the laws of your country.

Specifically, the servers of Trawick International are located in the United States. Trawick International partners with many other international companies.  This means that when we collect your information, we may process it in other countries.

We have taken appropriate safeguards to require that your personal data will remain protected in accordance with this privacy policy. We have also taken appropriate  safeguards with our third party service providers and partners.

How long is personal information retained?

We will keep your personal data on our records for as long as we have an ongoing legitimate business need to do so. This includes providing you with a service you have requested from us or to comply with applicable legal, tax or accounting requirements. It also includes keeping your data for so long as there is any possibility that you or we may wish to bring a legal claim concerning our services, or where we are required to keep your data for legal or regulatory reasons. Please contact us using the contact details provided under the “Contact Us" section below should you require further information on our record retention procedures.

We may also retain your personal data where such retention is necessary in order to protect your vital interests or the vital interests of another natural person.

Your Rights as a Data Subject

You have the right to opt out of marketing communications we send you at any time. You can exercise this right by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

If you are an EU resident, you will need to opt-in to receive marketing from us. If you then wish to unsubscribe at any point, you can do so by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

Similarly, if we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information that was lawfully collected on grounds other than consent.

You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws.

You may exercise any of your rights in relation to your personal data by contacting us using the details set out in the “Contact us” section at the bottom of this page.

If you are resident in the UK or EU, your principal rights under data protection law are as follows:

• the right to access;
• the right to rectification;
• the right to erasure;
• the right to restrict processing;
• the right to object to processing;
• the right to data portability;
• the right to complain to a supervisory authority; and
• the right to withdraw consent.

If you wish to access, correct, update or request deletion of your personal information, we will ask you to provide us with a copy of any two of the following documents: Driver’s license; Passport; Birth certificate; Bank statement (from the last 3 months); or Utility bill (from the last 3 months). With regards to your right of access, the first access request will be complied with free of charge, but additional copies may be subject to a reasonable fee.

In addition, you can object to processing of your personal information, ask us to restrict processing of your personal information or request portability of your personal information.

If we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information conducted in reliance on lawful processing grounds other than consent. You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

Contact details for other data protection authorities in the European Economic Area, Switzerland and certain non-European countries (including the US and Canada) are available  here .

If you are based in the UK or EU, you may exercise any of your rights in relation to your personal data by contacting us using email or you can use the details set out in the “Contact Us” section at the bottom of this page.

If you are resident in the US, applicable law may entitle you, upon verifiable request, to receive disclosures relating to:

• The categories and specific pieces of information we have collected;
• The categories of sources from which the personal information is collected;
• The business or commercial purpose for collecting personal information; and
• The categories of third parties with whom we share personal information.

If you wish to exercise any of the rights described above, we will ask you to verify your identity. We generally will not charge to reply to your request, but we may charge a reasonable fee or refuse your request if the request is unjustified or excessive.

Automated decision making

In some instances, our use of your personal information may result in automated decisions being taken (including profiling) that legally affect you or similarly significantly affect you.

Automated decisions mean that a decision concerning you is made automatically on the basis of a computer determination (using software algorithms), without our human review. For example, in certain instances we may use automated decisions to establish whether we will propose insurance coverage to a prospective insured. We have implemented measures to safeguard the rights and interests of individuals whose personal information is subject to automated decision-making.

When we make an automated decision about you, you have the right to contest the decision, to express your point of view, and to require a human review of the decision.

As mentioned above, we may use your personal data to send you marketing materials.

If you are a UK or EU resident, you will need to opt-in to receive marketing from us. If you then wish to unsubscribe at any point, you can do so by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

If you are resident in the US, you do not need to opt-in to receive marketing materials from us, and you have the right to opt-out of receiving such communications. If you would like to stop receiving marketing information from us, please unsubscribe by clicking the “unsubscribe” link in the relevant marketing email or contacting us.

Trawick International is committed to keeping our customers’ data safe. We have security measures in place designed to protect against the loss, misuse, and/or alteration of personal data under our control. Although we cannot ensure or guarantee that loss, misuse, or alteration of data will not occur, we use our best efforts to prevent this. If you have any concerns that your Trawick International account or personal data has been put at risk, please contact us.

Our sites use cookies (a small piece of information that is placed on your computer when you visit certain websites) to distinguish you from other users, to track your browsing pattern and to build a profile of how you and other users use our sites. This helps us to provide you with a good experience when you browse any of our sites and also allows us to improve our sites. If you have an online account with us, we also use cookies to recognize you to pre-fill forms to save you time. Trawick International does not mandate cookies for you to access our sites and you may freely set your browser to reject all cookies or prompt you to accept or reject them. Some of the cookies we use are session cookies and only last until you close your browser, others are persistent cookies which are stored on your computer for longer. We may collect information through web beacons about your web browsing activities such as the address of the page you are visiting, the address of the referrer page you had previously visited, the time you are viewing the page, your browsing environment, and your display settings. We do this in order to optimize your browsing experience, the use of web-based services and provide you with relevant information on Trawick International products and services when you have opted-in to receiving such correspondence.

We will not respond to Web browser “do not track” signals. If you would like additional information about online tracking and various opt-out mechanisms, please see https://youradchoices.com/

Because we may link to social media sites, and from time to time may include third-party advertisements, other parties may collect your personally identifiable information about your online activities over time and across different web sites when you visit this Site.

Please note that not all tracking will stop even if you delete cookies.

Children's Data

Our websites and applications are not directed to children under 16 and we do not knowingly collect any personal information directly from children under 16. If you believe that we are processing personal information pertaining to a child inappropriately, we ask you to contact us using the information provided under the “Contact Us” section.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time in response to changing legal, technical, or business developments. When we update our Privacy Policy, we will take appropriate measures to inform you, consistent with the significance of the changes we make. We will obtain your consent to any material Privacy Policy changes if and where this is required by applicable data protection laws.

You can see when this Privacy Policy was last updated by checking the “effective date” displayed at the top of this Privacy Policy.

Any changes will be effective only after the effective date of the change and will not affect any dispute arising prior to the effective date of the change.

If you have any questions about this Privacy Policy, please contact us using the following contact details:

Post Office Box 2284

Fairhope, Alabama USA 36533

Toll Free Telephone Number: +1 (888) 301-9289

Terms and Conditions of Use

Important information.

The information contained in this website is not intended to be an offer to sell or a solicitation in connection with any product or service by Trawick International Inc., in any jurisdiction where such an offer or solicitation would be unlawful or in which Trawick International, Inc., is not qualified to do so. Products and services described in this website may not be available in all jurisdictions. Not all insurance products described in this website are available to all persons in all States, Countries, or other jurisdictions at all times.

All products contain certain conditions, restrictions, limitations and eligibility requirements. The information contained in this website is not intended to be a complete description of all terms, exclusions and conditions applicable to the products and services. For complete terms, exclusions and conditions applicable to the products offered please contact Trawick International .

By using this website, you agree to the terms of its use. If you do not agree to these terms, PLEASE DO NOT USE THIS WEBSITE. For additional information or questions, please contact Trawick International or your independent insurance broker or agent.

TERMS & CONDITIONS OF USE

Effective Date: October 6, 2023

INTRODUCTION

THESE TERMS & CONDITIONS OF USE (“T&C”) GOVERN YOUR USE OF TRAWICK INTERNATIONAL, INC.’S (“COMPANY”, “WE”, “OUR”, OR “US”) WEBSITE LOCATED AT WWW.TRAWICKINTERNATIONAL.COM OR OTHER WEBSITES CONTROLLED BY COMPANY AND ITS AFFILIATES AS WELL AS ANY DOCUMENTS EXPRESSLY INCORPORATED BY REFERENCE AND ANY RULES AND POLICIES PUBLISHED ON THIS WEBSITE (THE “WEBSITE”).

BY ACCESSING THIS WEBSITE, YOU AGREE TO THE T&C, REVISIONS, AND MODIFICATIONS. ALL CHANGES ARE EFFECTIVE IMMEDIATELY UPON POSTING, AND APPLY TO ALL ACCESS TO AND USE OF THE WEBSITE THEREAFTER. ANY CHANGES WILL NOT EFFECT ANY DISPUTES ARISING PRIOR TO THE EFFECTIVE DATE OF THE CHANGE. WE MAY SEND YOU NOTICES WITH RESPECT TO THE WEBSITE IN VARIOUS MEDIUMS, INCLUDING BY EMAIL ADDRESS, POSTAL MAIL, AND/OR BY POSTING ON THE WEBSITE.

ARBITRATION NOTICE: EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE “ARBITRATION AND CLASS ACTION WAIVER” SECTION BELOW, AND IF YOU DO NOT OPT-OUT AS SET FORTH IN THAT SAME SECTION, YOU AGREE THAT DISPUTES BETWEEN YOU AND COMPANY OR ITS AFFILIATES WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION, AND YOU WAIVE YOUR RIGHT TO BRING OR RESOLVE ANY DISPUTE AS, OR PARTICIPATE IN, A CLASS, CONSOLIDATED, REPRESENTATIVE, COLLECTIVE, OR PRIVATE ATTORNEY GENERAL ACTION OR ARBITRATION.

ACCESS TO THIS WEBSITE

To access the Website or some of its resources, you may be asked to provide certain personal details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete.

In addition, certain other services of the Website, such as applying for coverage, may be governed by additional or different terms and conditions. You should carefully review those terms and conditions as they are referenced and/or presented to you.

We reserve the right to withdraw, amend, disable or suspend this Website, and any service or material we provide on the Website, in our sole discretion with or without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of the T&C.

Your privacy matters to us. Your use of the Website is also subject to our Privacy Policy that is available online here (“Privacy Policy”) and is incorporated into and made a part of these Terms of Use. The Privacy Policy is subject to change, and you are encouraged to review the Privacy Policy whenever you supply the Website with any information because you agree that Company can collect, use, and share your information consistent with that policy.

RESTRICTIONS ON USE

You may use this Website only for your internal, non-commercial purposes. You agree not to use this Website in any way that violates any applicable federal, state, local or international law or regulation. You further agree to maintain and update your registration data as needed to keep it accurate, current and complete. You may not use this Website or any of the content, defined below, contained on it for any other purpose, including any unpermitted commercial purpose, unless we provide our prior written consent to such use.

Uses requiring our prior written consent include the following, without limitation:

• Co-branding this Website;
• Framing this Website;
• Using any robots, scrapers, spiders, data mining tools, or any similar device, tool, software, or process;
• Hyper-linking to specific product or coverage information; or
• Reselling or remarketing the content, as defined below.

"Co-branding" means displaying a name, logo, trademark or other means of attribution or identification of any party in a manner reasonably likely to give a user the impression that the other party has the right to display, publish or distribute this Website or its content. You will cooperate fully with Company and its affiliates in causing any unpermitted or unauthorized activity of yours or a third party authorized by you to cease immediately. To the extent that such unpermitted or unauthorized use continues after notice from Company or its affiliates, you agree to pay or reimburse us for any and all costs (including attorney fees if applicable) associated with ending or terminating such use.

You agree not to impersonate or attempt to impersonate the Company, a Company employee, another user or any other person or entity (including, without limitation, by using e-mail addresses associated with any of the foregoing).

PROHIBITED USES AND ACTIONS

Additionally, you specifically agree not to:

• decompile, reverse engineer, disassemble, modify, reduce the Website to human perceivable form or create derivative works based upon the Website or any part thereof;
• disable any licensing or control features of the Website;
• “frame” the Website or any portion thereof or otherwise cause the Website or its contents to appear to be provided by anyone except Company and its affiliates;
• merge the Website or materials with another program or create derivative works based on the Website or materials;
• remove, obscure, or alter any notice of the copyright or other proprietary legends on the Website or materials;
• sublicense, assign, translate, rent, lease, lend, resell for profit, distribute or otherwise assign or transfer the materials or access to the Website to others;
• use the Website by means of any automated program, expert system, electronic agent or “bot,” and shall not give any person or entity access to the Website;
• utilize any “scraping,” copying, republishing, licensing, or selling the data or information on the Website.

PURCHASES AND PAYMENT

Company accepts a variety of payment methods as reflected on the Website. Before you can submit a request for purchase using the Website, you may be required to provide a valid card number and associated information for a payment card that you are authorized to use, including any of or all of the following: (i) your name as it appears on the card; (ii) the credit or debit card type, (iii) the card’s expiration date; (iv) any activation numbers or codes needed to charge your card; and (v) the billing address or zip code or postal codes associated with your card. You authorize Company and/or its affiliates, payment processor to use information you submit to charge your card or other payment method for the price of purchase requested, in addition to any taxes, fees, and charges as described in the T&C, at our convenience, including as early as at the time of the purchase request is submitted.

PROPRIETARY INFORMATION & TRADE SECRETS

The material and content accessible from this Website and any other website Company or its affiliates owns, operates, licenses or controls (the “content”) is the proprietary information of Company and its affiliates or the party that provided the Content to us, and Company and its affiliates or such party retains all right, title and interest in the content. Accordingly, the Content may not be copied, distributed, republished, uploaded, posted, rented, leased, distributed, modified or transmitted in any way without the prior written consent of Company and its affiliates, except that you may print out a copy of the content solely for your own personal use. In doing so, you may not remove or alter, or cause the removal or alteration of, any copyright, trademark, trade name, service mark or any other proprietary notice or legend appearing on any of the content. Modification or use of the content, except as expressly provided herein, may violate Company’s and its affiliates’ intellectual property rights or a third party’s rights. Neither title nor intellectual property rights in the content are transferred or licensed to you by these Terms or your access of this Website.

Certain information provided to you by Company or its affiliates through non-public portions of the Website may be confidential or trade secret information. You may use or disclose such information only to the extent necessary for the purposes it was disclosed to you. You may not use the Website to circumvent the terms of any referral agreement or in any other manner that is not consistent with the business purpose of the Website. When reasonable, you must return or destroy such information when you have fulfilled such purpose.

INTELLECTUAL PROPERTY

Company and its affiliates (or the party that provided to Company) are the owner or licensee of all intellectual property rights on the Website (including trademarks, service marks and logos) and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved, and we or those parties retain all rights with respect to such respective marks. In accessing the Website you agree that you will access its contents and use it solely for your personal, non-commercial use. The Website, including its contents, may not be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the copyright holder. This excludes downloading, copying and/or printing of pages of the Website for personal, non-commercial home use only.

The Company’s name and logo may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this Website, without prior written permission. You are not authorized to use our logo as a hyperlink to this Website unless you obtain our written permission in advance, although we permit you to use certain designated features of the Website to use our logo as a hyperlink for designated purposes. You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent.

Except as provided below, none of the materials of the Website may be copied, distributed, displayed, downloaded, or transmitted in any form or by any means without the prior written permission of Company and its affiliates or the intellectual property right owner. Unauthorized use of any materials contained on this Website may violate copyright laws, trademark laws, the laws of privacy and publicity, and/or other regulations and statutes. If you believe that any of the materials infringe on any of your intellectual property rights or rights of others, please contact us immediately at the address provided below. Except as expressly provided herein, Company and its affiliates and the third parties reserve all rights with respect to the Materials, and may pursue all legally available options under both civil and criminal laws (and may cooperate with law enforcement agencies) in the event of any violations, including but not limited to the right to terminate accounts of any user who has infringed a third party’s copyright. Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to the Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL NOT RECEIVE A RESPONSE.

HYPER-LINKS

We may hyper-link from the Website to other websites that are not maintained by, or related to, Company or its affiliates. Such hyper-links are provided as a service to you, and the other websites may not be officially sponsored by or affiliated with this Website or Company and its affiliates. Such other websites are solely responsible for their content. We are under no obligation to maintain any link on this Website and may remove any such link at any time in its sole discretion for any reason whatsoever. Access hyper-links and third party websites at your own risk.

COMPANY AND ITS AFFILIATES MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE CONTENT OF HYPER-LINKED OR THIRD-PARTY WEBSITES. SUCH HYPER-LINKS ARE PROVIDED TO YOU “AS-IS” “WHERE IS,” AND WE SPECIFICALLY DISCLAIM ANY WARRANTIES WITH REGARD TO COMPLETENESS OR ACCURACY OF THESE HYPER-LINKS OR THE WEBSITES THAT ARE HYPER-LINKED TO THIS WEBSITE. THE INCLUSION OF ANY HYPER-LINK TO A THIRD-PARTY WEBSITE DOES NOT NECESSARILY IMPLY ENDORSEMENT BY OR AFFILIATION WITH COMPANY AND ITS AFFILIATES OF THAT WEBSITE.

SOCIAL MEDIA FEATURES

This Website may provide certain social media features that enable you to:

• link from your own or certain third-party websites to certain content on this Website.
• send e-mails or other communications with certain content, or links to certain content, on this Website.
• cause limited portions of content on this Website to be displayed or appear to be displayed on your own or certain third-party websites.

You may use these features solely as they are provided by us and solely with respect to the content they are displayed with and otherwise in accordance with any additional terms and conditions we provide with respect to such features. Subject to the foregoing, you must not:

• establish a link from any website that is not owned by you.
• cause the Website or portions of it to be displayed, or appear to be displayed by, for example, framing, deep linking or in-line linking, on any other site.
• link to any part of the Website other than the homepage.
• otherwise take any action with respect to the materials on this Website that is inconsistent with any other provision of these Terms of Use.

You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice. We may disable all or any social media features and any links at any time without notice in our discretion.

SUBMISSIONS

You hereby grant to Company and its affiliates the royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display all stories, anecdotes, “Similes,” content, remarks, suggestions, ideas, graphics, inventions, methods, process, algorithms or other information communicated to us through this Website (collectively, the “Submission”), and to incorporate any Submission into other works in any form, media or technology now known or later developed. We may use any submission in our business (including without limitation, for products or advertising) without incurring any liability for royalties or any other additional consideration of any kind, and will not incur any liability as a result of any similarities to the submission that may appear in our future operations. By providing a Submission, you warrant that you have the right to provide the Submission and that all moral rights in the Submission have been waived.

COMPANY AND ITS AFFILIATES CANNOT AND DOES NOT GUARANTEE OR WARRANT THAT ANY FILES AVAILABLE FOR DOWNLOADING FROM THE INTERNET ARE FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT MAY HAVE CONTAMINATING OR DESTRUCTIVE PROPERTIES. YOU ARE RESPONSIBLE FOR IMPLEMENTING SUFFICIENT PROCEDURES AND CHECKPOINTS TO SATISFY YOUR PARTICULAR REQUIREMENTS FOR SECURITY, FOR ACCURACY OF DATA INPUT AND OUTPUT, AND FOR MAINTAINING A MEANS EXTERNAL TO THIS WEBSITE FOR RECONSTRUCTING LOST DATA. WE DO NOT ASSUME ANY RESPONSIBILITY OR RISK FOR YOUR USE OF THE INTERNET OR THE WEBSITE.

USE THIS WEBSITE AT YOUR OWN RISK. EXCEPT AS MAY BE EXPRESSLY STATED IN OTHER APPLICABLE TERMS AND CONDITIONS OR SIMILAR AGREEMENT, THE CONTENT IS PROVIDED “AS IS” AND "AS AVAILABLE" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. WE DISCLAIM ALL WARRANTIES INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT ANY FUNCTIONS OR CONTENT CONTAINED IN THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE OF THE CONTENT OR RESULTS THEREOF IN TERMS OF ACCURACY, RELIABILITY OR OTHERWISE EXCEPT FOR THE PERSON AND/OR FOR THE USE INTENDED. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND WE MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT COMPANY AND ITS AFFILIATES, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS WEBSITE OR THE CONTENT. WE MAKE NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUME NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.

BY ACCESSING THIS WEBSITE, YOU UNDERSTAND THAT YOU MAY BE WAIVING RIGHTS WITH RESPECT TO CLAIMS THAT ARE AT THIS TIME UNKNOWN OR UNSUSPECTED, AND IN ACCORDANCE WITH SUCH WAIVER, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND, AND HEREBY EXPRESSLY WAIVE, THE BENEFITS OF SECTION 1542 OF THE CIVIL CODE OF CALIFORNIA, AND ANY SIMILAR LAW OF ANY STATE OR TERRITORY, WHICH PROVIDES AS FOLLOWS: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR."

The descriptions of products and services contained on this Website are intended to provide a reference guide to the types of products and services offered by Company and its affiliates and are not intended to be relied upon by clients or business partners. Some products and services referenced on this Website may not be available in all areas. Please contact us directly if you wish to obtain specific information concerning the products and services referenced on this Website. All of the information in this Website, whether historical in nature or forward-looking, speaks only as of the date the information was posted on this Website, and we do not undertake any obligation to update such information or to remove such information from this Website, if it is not or is no longer accurate or complete.

LIMITATION ON LIABILITY

TO THE EXTENT PERMITTED BY LAW OR REGULATION, COMPANY AND ITS AFFILIATES, ITS SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS AND DIRECTORS WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER DAMAGES, INCLUDING LOSS OF USE, REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES THAT RELATES IN ANY WAY TO THE USE OF OUR WEBSITE OR WHICH MAY ARISE OUT OF ANY PERSON'S ACCESS OR INABILITY TO ACCESS THIS WEBSITE OR RELIANCE ON THE INFORMATION CONTAINED ON THIS WEBSITE. TO THE EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COLLECTIVE LIABILITY OF COMPANY AND ITS AFFILIATES AND ITS SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID TO COMPANY OR ITS AFFILIATES FOR THE APPLICABLE CONTENT OR SERVICE OUT OF WHICH LIABILITY AROSE. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, COMPANY’S LIABILITY SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW IN SUCH STATE OR JURISDICTION WHICH YOU HEREBY CONSENT TO.

INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Company and its affiliates, its subsidiaries, licensors, content providers, service providers, employees, agents, officers, directors and contractors (the “Indemnified Parties”) from any breach of these T&C by you, including any use of the content other than as expressly authorized herein, and any claim that your submission violates a third party’s intellectual property or other rights, including the rights of publicity and privacy, or defames a third party. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses and attorneys’ fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the content and this Website.

INFORMATION YOU PROVIDE

You may not post, send, submit, publish or transmit in connection with the Website any material that:

• you do not have the right to post, send, submit, publish or transmit, including any proprietary material of a third party;
• advocates illegal activity or discusses an intent to commit an illegal act;
• is vulgar, obscene, pornographic or indecent;
• does not pertain directly to the Website;
• threatens or abuses others; or libels, defames, invades privacy or stalks; or is racist, harassing, threatening or offensive;
• seeks to exploit or harm minors or older adults by exposing them to inappropriate content, asking for personally identifiable details or otherwise;
• infringes any intellectual property right or other right of any entity or person, including violating anyone’s copyrights or trademarks, or their rights of privacy or publicity;
• violates any law or may be considered to violate any law;
• impersonates or misrepresents your connection to any other entity or person, or otherwise manipulates headers or identifiers to disguise the origin of the content;
• advertises any commercial endeavor (e.g., products or services) or otherwise engages in any commercial activity (e.g., conducting raffles or contests, displaying sponsorship banners or soliciting goods or services, or any combination thereof) except as may be specifically authorized on this Website;
• solicits funds, advertisers or sponsors;
• includes programs that contain viruses, worms, Trojan horses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software, hardware or telecommunications or any combination thereof;
• amounts to a "pyramid" or similar scheme;
• disobeys any policy or regulations established from time to time regarding use of this Website or any networks connected to this Website; or
• contains hyper-links to other websites that contain content that falls within any description set forth above.

WE RESERVE THE RIGHT TO MONITOR USE OF THIS WEBSITE IN ORDER TO DETERMINE COMPLIANCE WITH THESE TERMS OF USE, AND RESERVES THE RIGHT TO REMOVE OR REFUSE ANY INFORMATION FOR ANY REASON. NOTWITHSTANDING THESE RIGHTS, YOU REMAIN RESPONSIBLE SOLELY FOR THE CONTENT OF YOUR SUBMISSIONS. YOU ACKNOWLEDGE AND AGREE THAT NEITHER COMPANY AND ITS AFFILIATES NOR ANY THIRD PARTY THAT PROVIDES CONTENT TO US WILL ASSUME OR HAVE ANY LIABILITY FOR ANY ACTION OR INACTION BY US OR SUCH THIRD PARTY WITH RESPECT TO ANY SUBMISSION OF YOURS. EXCEPT AS EXPRESSLY PROVIDED HEREIN, COMPANY AND ITS AFFILIATES AND THE THIRD PARTIES RESERVE ALL RIGHTS WITH RESPECT TO THE WEBSITE, AND MAY PURSUE ALL LEGALLY AVAILABLE OPTIONS UNDER BOTH CIVIL AND CRIMINAL LAWS (AND MAY COOPERATE WITH LAW ENFORCEMENT AGENCIES) IN THE EVENT OF ANY VIOLATIONS.

ARBITRATION AND CLASS ACTION WAIVER

PLEASE READ THE FOLLOWING SECTION CAREFULLY BECAUSE IT REQUIRES YOU TO ARBITRATE CERTAIN DISPUTES AND CLAIMS AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM COMPANY. Excluding claims for injunctive or other equitable relief, for all other claims related to the Website, including any goods or services purchased through the Website, any dispute or controversy arising out of or relating to this Agreement, including without limitation, any and all disputes, claims (whether in tort, contract, statutory or otherwise) or disagreements concerning the existence, breach, interpretation, application or termination of this Agreement shall be resolved by final and binding arbitration pursuant to the Federal Arbitration Act and in accordance with the JAMS Inc. Comprehensive Arbitration Rules & Procedures then in effect. There shall be no right or authority for any claims to be arbitrated on a class action basis. The arbitration shall take place in Fairhope, Alabama or at the option of the party seeking relief, by telephone, online, or via written submissions alone; however such election shall not prohibit Company from attending such an arbitration in person. Said arbitration shall be administered by JAMS. The arbitral tribunal (“Tribunal”) shall be composed of one arbitrator, who shall be independent and impartial. If the parties fail to agree on the arbitrator within twenty (20) calendar days after the initiation of an arbitration hereunder, JAMS shall appoint the arbitrator. The arbitration shall be conducted in the English language. The decision of the arbitrator will be final and binding on the parties, subject to all rights of appeal allowed by JAMS. Judgment on any award(s) rendered by the arbitrator may be entered in any court having jurisdiction thereof. The arbitrator shall have the authority to determine arbitrability of any disputes arising out of or relating to this Agreement. Nothing in this Section shall prevent either party from seeking immediate injunctive relief from any court of competent jurisdiction, and any such request shall not be deemed incompatible with the agreement to arbitrate or a waiver of the right to arbitrate. The parties undertake to keep confidential all awards in their arbitration, together with all confidential information, all materials in the proceedings created for the purpose of the arbitration and all other documents produced by the other party in the proceedings and not otherwise in the public domain, save and to the extent that disclosure may be required of a party by legal duty, to protect or pursue a legal right or to enforce or challenge an award in legal proceedings before a court or other judicial authority. The arbitrator shall award all fees and expenses, including reasonable attorney’s fees, to the prevailing party. Any judgment rendered by the arbitrator may be entered in any court of competent jurisdiction.

You may choose to opt out of the agreement to arbitrate by mailing a written opt-out notice (“Notice”) to Company. The Notice must be postmarked no later than thirty (30) days after the date you accept these T&C for the first time. The Notice must be mailed to: Trawick International, Inc., Post Office Box 2284 Fairhope, Alabama USA 36533, to the attention of General Counsel. This procedure is the only mechanism by which you can opt out of the agreement to arbitrate. Opting out of the agreement to arbitrate has no effect on any other parts of this Agreement, or any previous or future arbitration agreements that you have entered into with Company or its affiliates.

GOVERNING LAW

These Terms of Use are governed and interpreted by the laws of Alabama, United States of America notwithstanding any principles of conflicts of law. We make no representation that materials on this Website are appropriate or available for use in other locations. Those who choose to access this Website from other locations do so on their own initiative and are responsible for compliance with applicable local laws.

If you are a consumer, the provisions in these T&C are intended to be only as broad and inclusive as is permitted by the laws of your State of residence. If you are a New Jersey consumer, the terms of “Disclaimer” and “Limitation of Liability” sections above do not limit or waive your rights as a consumer under New Jersey law and the provisions in this Agreement are intended to be only as broad and inclusive as is permitted by the laws of the State of New Jersey. In any event, we reserve all rights, defenses and permissible limitations under the law of your State of residence.

At this Website, Company and its affiliates make no active effort to collect personal information from individuals under the age of eighteen (18). We require that Website users must be of legal age to enter into agreements (typically, at least eighteen (18) years of age or older).

NOT A SECURITY OFFER

The information contained on this Website is not an offer to sell or a solicitation to buy any security. No security is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction.

SEVERABILITY

If any part of the T&C is unlawful, void or unenforceable, that part will be deemed deleted and will not affect the validity and enforceability of any remaining provisions. The waiver of a breach of any provision of the T&C by a party will not operate or be construed as such party’s waiver of any other or subsequent breach. The T&C constitute the entire agreement between you and Company and its affiliates relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this Website will govern the items to which they pertain.

EMPLOYMENT OPPORTUNITIES

Company and its affiliates are an equal opportunity employer, dedicated to a policy of non-discrimination in employment on any basis including race, color, age, sex, religion, disability or national origin. Consistent with the American Disabilities Act, applicants may request accommodations needed to participate in the application process.

For further information, or inquiries about the T&C, please contact:

Trawick International, Inc. Attn: General Counsel Post Office Box 2284 Fairhope, Alabama USA 36533 Toll Free: (888) 301-9289

NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT

NOTE: THE FOLLOWING INFORMATION IS PROVIDED EXCLUSIVELY FOR NOTIFYING THE SERVICE PROVIDERS REFERENCED BELOW THAT YOUR COPYRIGHTED MATERIAL MAY HAVE BEEN INFRINGED. ALL OTHER INQUIRIES WILL NOT RECEIVE A RESPONSE THROUGH THIS PROCESS.

Pursuant to Title 17, U.S. Code, Section 512(c)(2), written notification must be submitted to the following Designated Agent/Service Provider:

Trawick International, Inc. Fairhope, Alabama USA 36533

Name of Agent Designated to Receive Notification of Claimed Infringement: Daryl Trawick

Full Address of Designated Agent to Which Notification Should be Sent: Post Office Box 2284 Fairhope, Alabama USA 36533

Telephone Number of Designated Agent: (888) 301-9289

To Be Effective, the Notification Must Include the Following:

• A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
• Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
• Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material;
• Information reasonably sufficient to permit the service provider to contact the Complaining Party, such as an address, telephone number, and if available, an electronic mail address at which the complaining party may be contacted;
• A statement that the Complaining Party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
• A statement that the information in the notification is accurate, and under penalty of perjury, that the Complaining Party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

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What is Travel Insurance for EU Residents?

Our full range of Travel Insurance products are available to people who are legally resident in the European Union and European Economic Area and registered with a medical practitioner or entitled to free public healthcare under reciprocal arrangements currently in place across the EU, EEA. Our prices start as low as € , so if you are currently living in the EU, you can get a quote and buy a policy from a trusted provider that has been operating in the UK and EU for over 20 years. You can confidently buy knowing that our products are underwritten through carefully selected insurers for your peace of mind and security. Our products include all the essentials and much more:

• Cancellation or Curtailment
• Emergency Medical & Other Expenses
• Hospital Confinement Benefit
• Missed Departure 

What countries are covered

Globelink Travel Insurance covers people resident in these countries:

• Channel Islands
• Cyprus (excluding Northern Cyprus)
• Czech Republic
• Isle of Man
• Italy (inc. San Marino)
• Liechtenstein
• Netherlands
• Spain (exc. Andorra)
• United Kingdom

All Globelink Travel Insurance products include cruise cover and over 100 adventure pursuits as standard. Prices start at € , so if you are currently living in the European Union, you can buy a policy in minutes and know you’re secure on your next trip.

To get a quote, first compare travel insurance policies and choose the one most suited to you.

Decide what kind of policy you are looking for. If you travel more than twice a year an Annual Multi-Tip Policy may be more cost effective. Where will you be travelling? Just within Europe (then select 'Europe' in the destination drop down menu), or if you plan to travel further afield then select from the two 'WorldWide' options based on whether you will visit the USA, Canada, Caribbean, Japan or Mexico.

Next, just pop in the ages of the travellers and your trip dates. If you’re selecting annual cover just put the date you want the policy to start so you are covered all year long. You won't be covered for any cancellation costs until your cover starts.

Remember, the duration of your trip must include the departure date from your country of residence within the EU and your arrival date back to your country of residence within the European Union plus Iceland, Liechtenstein and Norway. If you have already started your trip you must select our Already Travelling Policy to be covered.

Economy Single Trip Insurance

The most cost effective policy for budget travellers.

This policy is designed for UK, EU and EEA residents including residents of Iceland, Liechtenstein and Norway aged up to 84 years travelling independently or on a package holiday with a trip duration ranging from 1 to 60 days.

• Cancellation or Curtailment - up to €2,000 in total
• Emergency Medical Expenses - up to €5,000,000 in total
• Baggage - Nil

Comprehensive Single Trip Insurance

Offers the most benefits and extra options for trips up to 15 months.

The best value for money. Policy can be extended to a maximum for 18 months.

• Cancellation or Curtailment - up to €6,000 in total
• Emergency Medical Expenses - up to €10,000,000 in total
• Baggage - up to €3,000 in total

Regular Single Trip Insurance

Regular stay policy is best if you only take one holiday or are only travelling to one destination.

Globelink Regular Stay policy is designed for UK, EU and EEA residents including residents of Iceland, Liechtenstein and Norway aged up to 84 years travelling independently or on a package holiday with a trip duration with a maximum duration of up to 60 days.

• Baggage - up to €1,000 in total (you can increase the single article limit via the Extras)

Annual Multi-Trip Travel Insurance

Travelling more than once a year? Take as many holidays as you wish and be covered all year long! 17 days Winter Sports Cover FREE if you take out the 45 days policy.

Designed for most Individuals, Couples or Families who undertake several trips of up to 120 days within a 12 months period. For people aged up to 79 years!

Backpacker Travel Insurance

Career breaker? Globetrekker? Globelink Insurance offer the budget solution for long stay journeys.

Aimed at under 51 years old backpackers on a tight budget up to a maximum of 18 months. Most adventure sports covered for free.

• Baggage - up to €1,000 in total

Travel the world regardless of your age. It is safe and easy with Globelink Travel Insurance.

Single Trip Travel Insurance for people aged up to 89 years and Annual Multi Trip Travel Insurance for people aged up to 79.

Why Choose Globelink

Available for eu and uk residents.

You can buy a Globelink Travel Insurance policy wherever you live within the UK/EU or EEA

Pre-existing medical conditions

Wide range of pre-existing medical conditions covered as standard for free.

Kids travel for free with family

Annual policies cover your children under 18 years to travel with you at no extra cost.

Available for age groups up to 89

Single trip policies are designed for up to 89 years old travellers. Annual policies are available for people aged up to 79.

Cruise Cover included as standard

We know you love cruising, so it is covered as standard on all policies.

100+ Sports & Activities covered

Globelink Insurance now covers more adventure activities than ever before.

Why Our Customers Love Us?

Average rating 4.5 / 5, from over 2323 reviews, 93% of our Customers rate their customer experience as Excellent or Great!

We have used Globelink for a few years. Their offer is good and they makes it very easy to apply for their coverage. So far, fortunately, we have not needed to submit any claims.

All our requirements were dealt with by Josie who was very helpful indeed. Would recommend this company to all. Regards Peter Byrne and Pamela Howd

Excellent service, helpful guidance and information. Patient and understanding.

I commend Globelink as one of the few companies that realise that there are fit 82 year olds that wish to travel and visit their families. Not many companies will insure us when we pass the age of 80

We have used Globelink International Travel Insurance several times: the website is easy to use and simple to navigate; the options for \"cover\" are varied and well explained and prices are appropriate to the cover offered. The process is quick and efficient. Thank you.

We have used Globelink for all our travels over the last 20 years. The website is easy to use & the cover excellent. Luckily we have never had to claim so am unable to comment on this.

Perfect cover to suit my needs and easy to arrange.

Easy to manage web site. Queries always dealt with promptly. Have always used them.

seached the websites over again and again but globeelink were the most compettive and secuer with all my needs

Seems like a well featured policy. Easy to get quotes and buy. 2nd time we\'ve used them for trips away from Europe.

Very impressed with the simplicity and ease of use of the website. The price was also competitive and had my policy instantly after payment. Thank you Globelink I will definitely be a returning customer.

Everyone is helpful and answers quickly. I have not asked them for a refund, though, so my experience is based on my interactions with them through the telephone and via email.

Frequently Asked Questions

What is europe travel insurance.

Europe travel insurance covers medical and other travel mishaps that could occur during your trip around Europe.

How does travel insurance work in Europe?

If you need emergency medical assistance while you are on your trip in Europe, there’s a 24/7 Emergency Assistance Service to call, or if you need to claim before you go because you cant travel, or when you get home, get in touch with the Claims Service. See our Make a Claim page.

How to get travel insurance for Europe?

To get travel insurance for Europe you need to select that area of travel: Europe inc. Egypt & Morocco in the travel insurance quotation wizard.

Why do i need travel insurance for Europe?

You need travel insurance to have peace of mind in case you need medical emergency assistance or any mishaps occuring while you're travelling. Reciprocal Health Agreements don't cover all your costs and won't cover repatriation.

How much is travel insurance to Europe?

Travel insurance to Europe price depends on what policy you get, how long you are planning to travel, and what your age is. Prices start from € .

What countries are included in Europe travel insurance?

The UK, European Union and European Economic Area countries are included.

For reliable Travel Insurance, simply complete 5 quick & easy steps. Pay with your Visa, MasterCard, or PayPal and receive your policy documents by email in seconds.

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