Italy Insurance
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Travel insurance for Italy

Schengen-compliant coverage, 24/7 support, and peace of mind for your trip. Get a quote in minutes.

We also offer travel insurance for France, Spain, Germany, and other European destinations.

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Why choose travel insurance for Italy

From medical emergencies to lost luggage—we've got you covered so you can focus on your trip.

Emergency medical care

Hospital stays, surgery, and emergency treatment across Italy, with coverage that meets Schengen visa requirements.

Trip cancellation & interruption

Reimbursement when your trip is cancelled or cut short for covered reasons—illness, severe weather, or family emergencies.

Lost, delayed & stolen baggage

Compensation for lost, stolen, or delayed luggage so you can replace essentials and continue your journey.

24/7 multilingual assistance

Round-the-clock support in multiple languages for emergencies, claims, and travel advice.

How it works

1

Choose your plan

Pick coverage that matches your trip length and needs—Schengen-compliant options included.

2

Get covered in minutes

Receive your digital insurance certificate by email—no paperwork, no hassle.

3

Travel with confidence

Explore Italy knowing you're protected for medical emergencies, delays, and more.

Coverage at a glance

Category Included
Emergency medical Emergency medical treatment
Hospitalization
Medical repatriation
Emergency dental
Trip protection Trip cancellation
Trip interruption
Travel delay
Baggage Lost baggage
Delayed baggage
Stolen items
Assistance 24/7 assistance
Multilingual support
Emergency hotline

Who needs travel insurance for Italy?

Schengen visa applicants

If you need a Schengen visa to enter Italy, you must have travel insurance with at least €30,000 medical coverage. Our plans are designed to meet this requirement.

EU/EEA travelers

EU citizens can use the European Health Insurance Card (EHIC) for basic public healthcare in Italy, but it doesn't cover private care, repatriation, or trip cancellation. We still recommend travel insurance for full protection.

Everyone else

Whether you're from the US, UK, Australia, or elsewhere, comprehensive travel insurance helps with medical emergencies, lost baggage, and trip disruptions—so you can focus on enjoying Italy.

Where are you traveling from?

Select your country to see visa requirements, coverage details, and tailored information.

View all countries

Latest articles

Italy Entry Requirements & Visa Guide 2026

Up-to-date guide on who can enter Italy visa-free, Schengen visa rules, and required travel insurance for 2026.

Read more →

Complete Guide to Travel Insurance for Italy (2026-2027)

Everything you need to know about travel insurance for Italy: Schengen requirements, EU vs non-EU, coverage tips, and how to choose the right plan.

Read more →

Schengen Visa Insurance Requirements Explained

Schengen visa insurance requirements for Italy and the Schengen area.

Read more →

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Frequently asked questions

Do I need travel insurance to visit Italy?

EU/EEA citizens can use the European Health Insurance Card (EHIC) for basic public healthcare in Italy, but travel insurance is still recommended for private care, repatriation, and trip cancellation. Non-EU visitors, especially those requiring a Schengen visa, must have travel insurance with at least €30,000 medical coverage.

What does Schengen visa insurance need to cover?

Schengen visa insurance must cover emergency medical expenses and repatriation with a minimum of €30,000, be valid for the entire stay and all Schengen countries, and be accepted by Italian consulates. Our upcoming plans will meet these requirements.

When will italy-insurance.com plans be available?

We are preparing comprehensive travel insurance plans for Italy and will launch soon. Sign up with your email to be the first to know when our plans become available. We will only contact you about the launch—no spam.

How much does travel insurance for Italy cost?

Costs depend on your age, trip duration, and level of coverage. Schengen-compliant policies typically start from a few euros per day. When we launch, we will offer transparent pricing and instant quotes online.

Does travel insurance cover COVID-19?

Many modern travel insurance policies include coverage for COVID-19-related medical expenses and trip disruption. When we launch, our policy terms will clearly state what is covered. Check the product details at that time.

Can I buy insurance if I'm already in Italy?

Travel insurance is usually purchased before departure. Some providers offer policies that can be bought after arrival, but coverage may be limited. We recommend arranging insurance before you travel.

What if I need medical help in Italy?

Italy has excellent healthcare. For emergencies, call 118 (medical) or 112 (general emergency). EU citizens can use the EHIC at public facilities. Private care and repatriation are typically covered by travel insurance. Keep your policy number and assistance hotline handy.

Which countries do you cover for travel to Italy?

Our plans will be available to residents of many countries traveling to Italy. We provide country-specific information on this site for over 40 countries. Select your country from the Destinations section to see requirements and relevant details.

Coming soon

We're launching soon

Be the first to get our travel insurance for Italy and other European destinations. Simple pricing, Schengen-compliant, and built for travelers.

Get in touch Email us directly

We're finalizing our plans and will launch soon. Contact us to be the first to know.

Italy Travel Insurance for 2026 Trips: Medical, Delays, Cancellations, Schengen Cover

Travel insurance for Italy is less about formality and more about managing real costs that can arise quickly during a trip. Italy remains one of Europe’s most visited countries in 2026, with busy transport hubs, high seasonal demand, and a healthcare system that treats emergencies seriously but bills non-residents differently depending on nationality and coverage. A single disruption can affect an itinerary built around timed museum entries, prepaid trains, ferries, or cruise connections. Even careful planners face common scenarios: a last-minute illness before departure, a missed connection at Rome Fiumicino, a phone stolen on the metro in Milan, a sprained ankle on the Amalfi Coast steps, or a weather-related ferry cancellation to Sicily or Sardinia. italy-insurance.com exists to help travelers compare and buy travel insurance designed for Italy trips, with options that also extend to other European countries and worldwide destinations as the platform expands.

Medical coverage is the core of most travel insurance policies for Italy because treatment costs can escalate without warning. Italy’s public hospitals can provide urgent care, yet foreigners who are not covered through EU coordination rules may be billed as private patients or asked for payment arrangements, particularly for non-emergency services, specialist visits, diagnostic imaging, and prescriptions. Private clinics and private hospital wings, common in cities such as Rome, Milan, Florence, and Venice, typically require upfront payment. Typical private out-of-pocket prices can run roughly €80–€200 for a basic doctor visit, €150–€400 for simple X-rays, and several hundred euros for more advanced imaging; emergency care, surgery, and inpatient stays can rise into the thousands. Medical evacuation or repatriation is where the biggest numbers appear: returning a patient home with medical supervision can easily exceed €10,000–€50,000 depending on distance and medical needs, and air ambulance transport can be far higher. For 2026 travel, strong medical limits, 24/7 emergency assistance, and clear claims procedures are practical necessities, especially for travelers headed to high-activity regions like the Dolomites, the Amalfi Coast, or the volcanic areas around Naples.

Schengen visa insurance rules add a non-negotiable requirement for many visitors. If you need a Schengen visa to enter Italy, your policy must provide at least €30,000 in medical coverage, valid throughout the Schengen Area, and include coverage for emergency medical care and repatriation. Border and visa authorities may ask for proof of compliant insurance, so travelers should ensure their certificate shows the required medical limit and area of validity. EU citizens traveling with a European Health Insurance Card (EHIC) should also be realistic about its limitations in Italy: EHIC generally helps you access medically necessary treatment in the public system under the same rules as residents, but it does not cover private healthcare, mountain rescue in every scenario, non-urgent planned care, repatriation to your home country, trip cancellation, baggage loss, or many travel disruptions. That gap matters on Italy itineraries where private providers may be the fastest option, and where an injury in the Dolomites or on coastal trails can trigger rescue and transport needs that are not reliably covered by EHIC alone.

Trip cancellation and interruption coverage is the second major pillar for Italy travel. Italy trips often involve non-refundable deposits for hotels, villas, guided tours, rail passes, and timed attractions. If illness, injury, family emergencies, or other covered reasons force you to cancel, insurance can reimburse eligible prepaid costs. Interruption coverage can help if you must return home early or rebook transport due to a covered event. Flight delay and missed connection coverage also matters in 2026 because many Italy itineraries rely on tight connections through major gateways and onward travel by high-speed rail. Delays can lead to extra hotel nights, meals, and new tickets, particularly during peak summer travel, holiday periods, or winter weather affecting northern airports. Baggage and personal belongings coverage helps with the more common, lower-cost disruptions: delayed luggage arriving after you reach Venice for a cruise extension, a suitcase damaged on arrival in Rome, or theft in crowded tourist areas. Many policies also include personal liability cover, which can be crucial if you accidentally injure someone or damage property in a rental apartment, hotel, or while cycling in cities.

Italy is not one destination; it is a collection of very different travel environments that create different risk profiles. Rome and Milan concentrate transport strikes, pickpocketing, and tight schedules built around reservations. Venice and Florence can bring high accommodation costs and expensive last-minute changes during busy events. Naples, the Amalfi Coast, and Sicily combine urban intensity with day trips, ferries, scooters, and uneven terrain, increasing the odds of minor injuries or disrupted plans. Sardinia adds car rentals and remote beaches where access to services can be slower. The Dolomites introduce altitude, hiking and skiing risks, and the potential need for rescue or specialized care. italy-insurance.com helps travelers choose coverage that matches these realities, from higher medical limits and repatriation to cancellation protection and delay benefits.

Choosing travel insurance for Italy in 2026 starts with practical questions: Do you need Schengen visa insurance at the €30,000 minimum, or do you want higher medical limits for private care? Are your flights and hotels non-refundable, and would a cancellation claim be financially meaningful? Do you plan to hike, ski, or rent a scooter, and does the policy address those activities? Are valuables like phones, cameras, or laptops part of your trip, and are they covered with reasonable limits and conditions? italy-insurance.com is built around these decisions, offering Italy-focused travel insurance options and an expanding range of plans for other European and worldwide destinations, so travelers can protect both their health and their budget while exploring Italy’s cities, coastlines, islands, and mountains.