Travel insurance for Italy

Average customer rating: 4.3/5
Written by Tiana Lee-Collins
Reviewed by Adrian Taylor
Updated 21 May 2024

Expert tips for choosing the right travel insurance for Italy

Our Executive General Manger of General Insurance, Adrian Taylor, has some tips for helping you choose a travel insurance policy for Italy that suits the needs of your trip.

Adrian Taylor
Executive General Manager – General Insurance

Compare your itinerary to your policy

A comprehensive policy may cover medical expenses, cancellations fees, luggage and more, but if you’re planning on taking a cruise, going skiing and attempting other adventure activities, you may need to purchase additional cover as an optional extra.

Lower your premium by increasing your excess

When you make a claim, you’ll need to pay a policy excess to your insurer. By choosing a higher policy excess, you can reduce the cost of your premium. However, you pay your excess each time you claim, so always choose an amount that’s manageable for your budget.

Declare any pre-existing medical conditions

Always declare any pre-existing medical conditions as part of your travel insurance application to help ensure you have the cover that matches your needs. Taking out a policy that covers your pre-existing medical conditions may cost more but can help prevent any unpleasant surprises if you become ill while travelling and need to claim.

Do I need travel insurance for Italy?

Whether you feel you need travel insurance depends on your individual circumstances, needs and budget. However, travel insurance can help provide a safety net by offering 24/7 emergency assistance. You may also be reimbursed for your expenses if you have delayed flights, trip cancellations or medical emergencies during your trip. Any of these scenarios could potentially cost thousands of dollars, which may come out of your own pocket if you don’t have travel insurance.

Travel insurance companies provide varying policies and levels of cover, so it’s important to read the Product Disclosure Statement (PDS). You should also read the Target Market Determination (TMD) to check whether a policy matches your individual circumstances.

What should be included in travel insurance for Italy?

When travelling anywhere around the world, it’s a good idea to have travel insurance to cover you and your trip. The level of cover you have these situations will depend on the insurance policy you take out, so if you plan to take on any risky adventures or have pre-existing medical conditions, make sure to check the exclusions, restrictions and sub-limits of your policy before purchasing. Here are some inclusions your comprehensive travel insurance policy may include:

Medical care

Travel delays and cancellations

Rental excess cover

Loss or theft of luggage

Volcanic ash cloud cover

Adventure activities

What does travel insurance for Italy not cover?

With every policy, there will be a number of exclusions, limits and sub-limits that come with your policy. Generally speaking, travel insurance won’t cover you if:

  • You’ve acted carelessly or unlawfully and it resulted in a loss
  • You left your luggage unattended and it was stolen
  • The claim is based on a pre-existing condition that is not covered by your policy
  • Your injury happened while you were under the influence of drugs or alcohol
  • You weren’t wearing a helmet while on a scooter or motorcycle.

To make sure you have cover when you visit Italy, be sure to read the PDS before purchasing your cover so you’re aware of what your policy covers and what it doesn’t.

Do I need a visa for Italy?

Italy lies in the Schengen Area (a collection of 27 European countries with similar border rules). For Australians, this means you can typically travel throughout these countries as a tourist for 90 days without needing a Schengen visa.1 If you’re travelling to more than one country, check out our destination hub for more information on different destinations.

That said, you should always check government websites like Smartraveller to ensure there aren’t any additional conditions for your entry into the country. You typically won’t need a visa if you’re just visiting Italy for a relaxing break. However, if you’re there for a working holiday, you’ll need a Working Holiday Visa.

Meet our travel insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As the Executive General Manager of General Insurance, Adrian Taylor believes in educating customers about the importance of travel insurance so that anyone can kick back and make the most of their time away from home. While no one wants a disrupted holiday, a suitable travel insurance policy can provide a financial safety net for yourself, your belongings and your trip in case things go wrong.

1 Department of Foreign Affairs and Trade, Australian Government. Smartraveller. Visas and entry requirements in Europe and the Schengen Area. Last updated April 2024. Accessed May 2024.