Find the Best Coverage for Your Italian Adventure
Planning a trip to Italy? While the country offers unforgettable experiences, unexpected medical emergencies or trip disruptions can quickly derail even the best-laid plans. That’s why having coverage is essential to protect yourself from the financial impact of unforeseen events.
This article breaks down what’s typically included (and excluded) in travel insurance for Italy, offers tips on choosing the right plan, and provides practical advice to help you stay safe during your adventure.
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Key Takeaways
- Travel insurance isn’t required for visa-exempt travelers to Italy but is strongly recommended since Italy’s public healthcare system doesn’t cover tourists, and private care can be costly.
- Schengen visa applicants must have insurance with at least €30,000 in medical coverage, including emergency care and repatriation.
- If you plan to do high-risk activities, such as skiing in the Dolomites or scuba diving off the Amalfi Coast, make sure your policy includes an adventure sports rider or add-on.
- ETIAS travel authorization will be required for visa-exempt travelers to Italy starting in late 2026.
- Recommended travel plans include IMG Patriot Platinum, GeoBlue Voyager, Trawick Safe Travels AnyReason, and World Nomads Travel Insurance.
Do I Need Travel Insurance for Italy?
If you need to apply for a Schengen visa to visit Italy, you are required to purchase travel health insurance. As of 2025, the minimum coverage must be €30,000 (approximately $34,000 USD) and include medical emergencies, hospital treatment, and repatriation of remains.
You can find the full criteria on the official .
If you’re from a visa-exempt country, such as the United States, Canada, or Australia, you can enter Italy without a visa for up to 90 days within a 180-day period.
In this case, travel insurance is not mandatory. However, it is highly recommended, as the Italian public healthcare system (Servizio Sanitario Nazionale, or SSN) does not cover medical treatment for short-term visitors. Moreover, a travel plan can protect you from unexpected expenses related to trip delays, lost luggage, or stolen items.
Beginning in late 2026, travelers from visa-exempt countries must apply for ETIAS (the European Travel Information and Authorization System) before entering most European countries, including Italy. ETIAS functions similarly to the ESTA in the U.S. or the ETA in the UK.
Finally, if you’re an EU citizen, you can access public medical care in Italy using your valid European Health Insurance Card (EHIC).
Read More: Schengen Visa Insurance Requirements
Why Travel Insurance Matters in Italy
While travel insurance for Italy is useful for covering unexpected costs due to trip disruptions or lost or damaged belongings, its greatest value lies in reimbursing medical expenses.
Italy’s healthcare system will provide emergency care to non-EU visitors, but they must pay out-of-pocket for the treatment, which can add up quickly.
Below are estimated public healthcare costs in Italy as of 2025:
| Service | Estimated Cost (€) | Estimated Cost (USD) |
|---|---|---|
| General doctor visit | €50 – €120 | $55 – $140 |
| Emergency room visit | €200 – €400 | $225 – $455 |
| Specialist consultant | €80 – €200 | $90 – $230 |
| Hospital overnight stay | €500 – €1,500 | $570 – $1,700 |
| Prescription medication | €5 – €50 | $6 – $60 |
A typical travel insurance policy covers emergency treatment, hospital stays, prescriptions, surgeries, medical evacuation, and repatriation of remains.
Notably, private healthcare services in Italy are more expensive but often provide shorter wait times and better access to English-speaking medical staff. This can be a major benefit if you don’t speak Italian.
For this reason, having comprehensive travel insurance that covers both public and private care provides not just financial protection but also peace of mind throughout your trip.
Read More: Is Travel Insurance Worth It?
Common Risks in Italy
Many travelers enjoy Italy’s beautiful landscapes, cultural treasures, and culinary delights without incident. However, unexpected situations can happen, and they may carry significant financial or logistical consequences.
Having travel insurance for Italy can help ease that stress by making it easier to get reimbursed, access care, or adjust your plans if things go wrong.
Here are some key risks to be aware of when traveling in Italy:
- Petty Theft: Pickpocketing and bag snatching are common in crowded tourist hubs like Rome, Florence, and Venice. Thieves often target phones, wallets, and passports. A good travel plan can help cover the cost of stolen items and related delays, such as replacing documents or rebooking travel.
- Driving Risks: Traffic accidents are most common in busy cities like Rome, Milan, and Naples, as well as on narrow rural roads and winding mountain routes. Common risks include collisions with other vehicles, scooters, or pedestrians, often caused by heavy traffic, aggressive driving, or unfamiliar road conditions. Accidents can lead to costly medical bills and legal fees, so having coverage is essential if you plan to drive in Italy.
- Adventure Activities: Italy’s Alps and Dolomites attract many visitors for skiing, hiking, and other outdoor activities. Water sports along the Amalfi Coast are also popular. However, injuries from these activities often require special coverage. Without an adventure sports rider or add-on, you may not be reimbursed for emergency treatment or medical evacuation.
- Natural Events and Extreme Weather: Earthquakes, flooding, and volcanic activity (such as the June 2025 eruption of Mount Etna in Sicily) can disrupt travel plans or force emergency evacuations. A travel plan may help cover evacuation costs or reimburse nonrefundable bookings.
- Transport Disruptions: Public transit strikes can occur with little notice, especially in major cities. Insurance can help cover unexpected accommodation or transportation costs if your itinerary is affected.
Stamp it or get fined! In Italy, hopping on a train without validating your ticket can land you a hefty fine, even if it’s valid. Look for the small green-and-white machines near station platforms to time-stamp your ticket. If you’re using a digital ticket, you can validate it through the by tapping “check-in†before departure.
What Does Italian Travel Insurance Include and Exclude?
Travel policies for Italy typically fall into two categories: travel medical insurance and trip cancellation insurance.
Both protect against unexpected medical and travel-related expenses such as emergency treatment, medical evacuation, trip cancellation, lost luggage, travel delays, and repatriation of remains. However, coverage varies by policy, so it’s important to carefully read the fine print to find a plan that fits your needs.
Standard travel policies typically exclude pre-existing medical conditions, pregnancy complications beyond 26 weeks, elective treatments, injuries sustained during high-risk adventure sports, and claims related to alcohol use or traveling against government advice.
Since popular Italian activities like mountaineering, paragliding, deep scuba diving, and high-altitude trekking carry higher risks, they often require additional coverage or separate policies.
Other exclusions may apply for negligence, such as leaving luggage unattended, illegal activities, rental vehicle damage, and travel disruptions caused by known events like volcanic eruptions or pandemics. These risks may be covered only if you purchase specific add-ons to your policy.
Read more about the benefits of international travel insurance
How Much is Travel Insurance for Italy?
The cost of travel insurance for Italy varies depending on factors such as age, health, coverage level, trip length, and whether you add protection for high-risk activities such as skiing or hiking.
Generally, older travelers – especially those over 65 – or those with pre-existing conditions pay higher premiums. For example, a 30-year-old traveling from the US to Italy for a 10-day trip might pay between $ and $ for basic or comprehensive plans, while a 65-year-old could expect to pay between $ and $ for similar coverage.
Italy’s healthcare costs and emergency evacuation fees also influence premiums, so it’s important to compare plans to find one that fits your budget and needs.
Key cost factors typically include premiums (paid upfront or in installments), deductibles (your out-of-pocket expenses before coverage kicks in), co-pays for certain services, coverage for emergencies and travel disruptions, and any exclusions or policy limits.
On a budget? Consider choosing a plan with a higher deductible to lower your premium, but ensure it still covers essentials like emergency medical treatment, evacuation, trip cancellation, and repatriation. Always compare plans carefully, read the fine print, and consider buying extra coverage if you plan adventure activities.
Read More: Compare Travel Insurance Plans
How to Choose the Right Travel Plan for Italy
When selecting travel insurance for Italy, carefully consider your medical and travel needs in case of an emergency.
Ask yourself the following questions:
- Does the policy cover emergency medical care, including hospital stays and necessary treatments in Italy?
- Do I need to declare any pre-existing medical conditions?
- If I plan to ski, hike, or participate in adventure sports, does the plan include coverage, or will I need to purchase a specific add-on?
- Is my entire trip to Italy covered, from departure to return?
- Does the policy cover losses, medical expenses, or evacuations caused by natural disasters or severe weather events?
- Are there any limits or exclusions for emergency evacuation or specialized medical care?
The Best Travel Insurance for Italy
Below are our top travel insurance recommendations for Italy, each tailored to cover various needs – from medical emergencies to trip protection and more.
The Best Travel Health Insurance for Travel
°Õ³ó±ðÌýIMG Patriot Platinum offers comprehensive medical coverage and global emergency services, making it an excellent choice for visitors to Italy. It includes high policy limits, emergency evacuation coverage, and optional add-ons for popular activities, such as surfing and scuba diving.
Designed for short-term international travelers, it’s a top option for U.S. citizens and foreigners visiting the country for less than 12 months.
Patriot Platinum Travel Insurance
- Maximum limits up to $8,000,000
- IMG pays 100% of medical expenses in-network
- Evacuation due to Natural Disasters & Political Unrest
U.S. citizens visiting Italy should consider a travel insurance plan that includes strong medical coverage, access to quality healthcare providers, and support in case of emergencies abroad.
GeoBlue’s Voyager Travel Insurance plan is an excellent choice. Affiliated with Blue Cross Blue Shield, it offers access to a premium global network of doctors and hospitals. GeoBlue also provides 24/7 customer support, telemedicine services, and prescription drug coverage.
This plan is especially well-suited for older U.S. travelers. It offers one of the highest levels of international coverage for seniors, including those with Medicare who need comprehensive protection while abroad.
GeoBlue Voyager Plan
- For U.S. citizens up to age 95
- Includes pregnancy coverage, baggage loss, trip interruption & more
- 24/7/365 service and assistance
The Best Trip Cancellation Coverage for Visitors to Italy
For U.S. citizens and residents planning a trip to Italy, Trawick Safe Travels AnyReason plan offers both flexibility and financial peace of mind in case of unexpected changes to your itinerary.
This plan includes a Cancel for Any Reason (CFAR) benefit at no extra cost. If you cancel your trip for reasons not normally covered by standard policies, Trawick will reimburse up to 75% of your prepaid, non-refundable expenses, including flights, hotels, and tours.
Safe Travels AnyReason
- Available to US residents traveling within the United States and abroad
- 100% Trip Cancellation and Trip Interruption Coverage
- Emergency Evacuation and Repatriation
- 75% of Cancel for Any Reason (CFAR) is included within 7 days of trip deposit
World Nomads Travel Insurance is a strong option for non-U.S. travelers heading to Italy. In addition to trip cancellation coverage for prepaid expenses, the plan includes protection for over 200 adventure activities, emergency medical care, evacuation and repatriation, and compensation for lost or stolen baggage.
Whether you’re hiking in the Dolomites, exploring Roman ruins, or planning a food and wine tour through Tuscany, these plans offer the flexibility and protection needed for a worry-free Italian getaway.
World Nomads Travel Insurance for Trip Cancellation
- Trip cancellation and interruption benefits included
- Emergency medical transport and repatriation
- Baggage and gear cover
- Optional Cancel For Any Reason (CFAR) coverage available for U.S. citizens/residents (Explorer and Epic Plans)
Preparing for Your Trip to Italy
To enjoy a safe and hassle-free visit to Italy, it’s essential to prepare for your health and medical needs in advance. This includes staying current on recommended vaccinations, understanding Italy’s medication regulations, and knowing how to access medical care if needed.
Here are some important tips to help you get ready for your trip:
Do I Need Vaccinations to Travel to Italy?
Italy does not require specific vaccinations for entry. However, it’s recommended that travelers are up to date on standard immunizations, including:
- Measles-mumps-rubella (MMR)
- Diphtheria-tetanus-pertussis
- Varicella (chickenpox)
- Polio
- Influenza (flu shot)
Depending on your personal health, travel plans, and planned activities, your doctor may also recommend additional vaccines, such as those for hepatitis A or B.
Ideally, consult with your doctor or a travel health clinic four to six weeks before departure to review your vaccination needs.
You can find more detailed information about vaccinations and health advice for Italy on the following sites:
Read More: Vaccine Requirements for Traveling Abroad
Bringing Medication to Italy
Italy enforces strict regulations on medications brought into the country, so it’s important to prepare in advance.
Start by ensuring you have enough of your prescription medications and any necessary medical equipment for your entire stay. If bringing a full supply isn’t feasible, research how to access local equivalents beforehand.
A pre-trip checkup is also recommended to confirm you’re fit for travel and up to date on all routine vaccinations.
Rules for Bringing Medication
According to the , travelers may bring up to a 30-day supply of medication for personal use, provided certain conditions are met. These include:
- The medication must be accompanied by a prescription in your name.
- You must carry a doctor’s note on official letterhead that includes:
- Your full name
- The name of the medication, including its generic name
- Confirmation that the drug is not a narcotic
- A brief explanation of your condition and why the medication is necessary
- The amount you’re bringing and the length of coverage
Banned or Restricted Substances in Italy
The Italian authorities strictly control the following medications, even if your family doctor prescribed them back home:
- ADHD/ADD medications (e.g., Adderall, Ritalin, Concerta)
- Strong painkillers (e.g., Vicodin, OxyContin, Demerol)
- Antianxiety medications (e.g., Xanax, Ativan, Valium)
- Antidepressants (e.g., Wellbutrin, Prozac, Paxil, Zoloft)
- Hormone therapy (e.g., Tostran)
Without the proper paperwork outlined above, customs may confiscate your medication, issue a fine, or impose more serious legal penalties.
Illegal Narcotics
The following narcotics are illegal for recreational use in Italy, and penalties for possession can be steep fines and imprisonment:
- Amphetamines
- Cocaine
- Cannabis (high-THC)
- Ecstasy (MDMA)
- Hallucinogens
- Heroin
- Methamphetamines
For more clarity, check with the for advice on traveling internationally with prescription or controlled drugs. You can also consult the for up-to-date information on drug classifications.
Don’t risk it – pack smart! Always pack medications in their original packaging and carry them in your hand luggage. Be aware that some prescription or over-the-counter drugs that are common in other countries may be considered controlled substances under Italian law. Without proper documentation, customs may confiscate the medication or impose legal penalties.
How to Access Medical Care in Italy for Visitors
Immediately dial 112 for an ambulance if you have a medical emergency in Italy. Paramedics will treat you at the scene and, if necessary, transport you to the nearest hospital or emergency department for further care.
Ambulance services are typically free or low-cost. However, as a foreign national, you will be charged for any treatments or hospital stays. Depending on your coverage, you can claim most of the expenses back from your travel insurance.
As a short-term visitor in Italy, you typically won’t see a family or primary care doctor if you require non-urgent medical care (e.g., for infections, minor injuries, or stomach bugs). Instead, you should go directly to public hospitals, emergency rooms, or the Guardia Medica Turistica. You’ll find these tourist-friendly clinics in most major cities.
You can contact your travel insurance provider for a list of local clinics and hospitals that accept your plan. Some insurers offer telehealth services, enabling you to consult with a doctor virtually. Others also provide telephonic translator support to help you explain your health issue to a medical professional if you are not fluent in Italian.
Lastly, remember to check whether your travel insurance covers adventure sports and medical evacuation if you plan to hike in the Dolomites, ski in the Alps, or participate in other outdoor activities. If it is not comprehensive enough, consider buying extra coverage.
Always keep your travel insurance details, passport, and medical documents handy – ideally in your carry-on bag or stored securely on your phone. Having this information readily available can significantly reduce delays when seeking medical treatment and help ensure smooth coordination between local healthcare providers and your insurance company.
Travel Warnings and Alerts for Italy
Italy’s Ministry of Foreign Affairs and International Cooperation (Ministero degli Affari Esteri e della Cooperazione Internazionale) provides official .
In addition, the Italian issues daily bulletins (bollettini di criticità ) to inform the public about potential natural disasters and severe weather. also reports on current weather warnings.
That said, it’s always wise to consult your own country’s travel advisories for destination-specific updates related to safety, health, or political events. Below are several official sources of travel advice by country:
Official Travel Advisory Sources
- : Provides information on entry requirements, travel safety tips and warnings, health alerts, and emergency procedures.
- : Shares official travel advisories, safety information, and consular assistance.
- : Offers safety advice and travel notices, including alerts about civil unrest, weather-related risks, or health outbreaks.
- : Provides safety and security alerts, as well as other essential information, for Indian nationals traveling abroad.
- : Citizens can to receive location-specific alerts or request consular assistance in the event of an emergency.
- : You can to receive alerts. German citizens can also to receive updates and assistance while traveling.
- : Offers official guidance and safety tips for Singaporeans traveling abroad.
- : Offers an interactive portal with destination-specific travel alerts.
- : Covers safety, security, health risks, and emergency contact information and procedures for UK nationals.
- : Issues travel alerts and warnings through its . This free service allows US citizens to register their trip abroad, enabling the State Department to contact them quickly in an emergency.
Read More: A Guide to Travel Advisories, Warnings, and Alerts
Emergency Contact Information for Italy
If you require immediate medical assistance or need to contact the police (Carabinieri or Polizia), dial the . This number works from any landline or mobile phone in Italy—even if your phone is locked or lacks a SIM card.
You can also download the , which connects you to 112 and automatically transmits your location. This is especially helpful if you’re unable to speak or need a more accessible option as a Deaf or hard-of-hearing traveler.
Emergency Numbers in Italy
- General Emergency (police, fire, ambulance): 112
- Ambulance (Ambulanza): 118
- Fire Department (Vigili del Fuoco): 115
- Civil Protection (Protezione Civile): 800 840 840
- Tourist Police (Polizia Turistica): 113 – For non-urgent matters
- Non-urgent Medical Needs (NEA Service): 116 117 (operators typically speak Italian and English, making it a valuable resource for visitors).
Embassy Phone Numbers in Italy
Your country’s embassy can assist if you require help with lost documents, visa issues, or other consular matters while in Italy. They may also provide emergency services such as legal advice, financial assistance, or support during a medical emergency.
Key Embassy Contact Details in Italy
Phone: +(39) 6 852 721
Address: Via Antonio Bosio 5, 00161 Rome
Phone: +(39) 6 683 981
Address: Piazza Navona, 14, 00186 Rome
Phone: (+39) 6 4220 0001
Address: Via XX Settembre 80/a, 00187 Rome
Phone: +(39) 6 854 441
Address: Villa Grazioli, Via Salaria 243, 00199 Rome
Phone: +(39) 6 4884 642/3/4/5
Address: Via Venti Settembre 5, 00187 Rome
Phone: +(39) 6 9652 4200
Address: Via Bruxelles 56, 00198 Rome
Phone: +(39) 6 686 011
Address: Piazza Farnese 67, 00186 Rome
Phone: +(39) 6 492 131 | +(39) 335 790 4170 (A/H emergency German)
Address: Via San Martino della Battaglia 4, 00185 Rome
Phone: +(39) 6 6994 0398 | +(39) 6 6978 3010
Address: Via Frattina 89, 00187 Rome
Phone: +(39) 6 474 991
Address: Via Quintino Sella 60, 00187 Rome
Phone: +(39) 6 853 7501 | +(64) 99 20 20 20 (A/H emergency)
Address: ​​Via Clitunno 44, 00198 Rome
Phone: +(39) 6 852 541
Address: Via Tanaro 14, 00198 Rome
Phone: +(39) 6 363 06100
Address: Piazza della Croce Rossa 3, 00161 Rome
Phone: +(39) 6 467 41
Address: Via Vittorio Veneto 121, 00187 Rome
If your country is not listed above, you can also visit , a global directory, to search for embassies and consulates by country and city.
10 Italy Travel Tips
Italy is one of the safest countries in the world, ranking 33rd out of 163 nations on the , which evaluates crime rates, political stability, and militarization.
However, no destination is without risks. For example, driving in Italy can be hazardous, and accidents may occur while skiing or hiking. That’s why taking simple precautions is essential to ensure your safety.
Here are 10 practical tips to help you stay safe and enjoy your time exploring the country:
1. Stay Alert in Crowded Areas
Petty theft, such as pickpocketing, can occur, particularly in crowded tourist areas and bustling cities, such as Rome, Florence, and Venice. Minimize the risk by being aware of your surroundings and keeping your bags close.
Don’t show off cash or valuables. Instead, use a money belt or keep your wallet in a front pocket for added security. Consider carrying a dummy coin purse with a small amount of cash to deter thieves.
Do not leave bags or valuables unattended in public places, including beaches and hotel lobbies. Also, be vigilant on public transport as pickpockets often operate on buses and trains, especially near major stations.
2. Be Aware of Road Safety Hazards
The most recent report on road accidents by the indicates that there are approximately 460 collisions per day. Even though fatalities have decreased, at 56 road deaths per million people, it is still above the EU average of 46.
The main contributors are high speeds, failure to yield the right of way, and distraction (e.g., using cell phones). Therefore, be alert when driving, follow the local road laws, and use extra caution at pedestrian crossings. Never drink and drive.
3. Follow the E-scooter Regulations
The Italian law requires you to wear a helmet and have third-party insurance when riding an e-scooter. Otherwise, you can be fined.
4. Be Mindful of Local Attitudes toward LGBTQIA+ Travelers
It is safe for to visit Italy, particularly in larger cities and urban centers. However, rural communities may be more conservative, where the occasional resident can sometimes react negatively to public displays of affection.
Trans or non-binary visitors may want to carry supporting documents, as they can occasionally experience issues at passport or ID checkpoints. Unfortunately, gender-neutral bathrooms are also uncommon across the country.
5. Stay Vigilant when Traveling Solo
Italy is generally a safe destination for women, including those . While some have reported occasional street harassment in the past, such incidents appear to be less frequent.
But, like at home, be aware of where, when, and with whom you go, and tell a friend or family member where you are.
6. Follow the Safety Rules for Outdoor Activities and Adventure Sports
Skiing, hiking, or engaging in water sports are popular activities in Italy, but they also come with risks. Therefore, follow the safety rules, take precautions, and stay informed about any regional warnings (e.g., severe weather).
7. Stay Informed About Natural Hazards
Some Italian regions may be affected by natural events, such as earthquakes, flooding, and volcanic eruptions. Stay updated by following the news and never ignore weather alerts or other warnings issued by the Civil Protection Department.
8. Stay Cool and Hydrated During Summer Heatwaves
Italy can get extremely hot during the summer months, especially in July and August. Temperatures often climb as high as 38 to 42 °C (100.4 – 107.6 °F) in the south, and 32 to 35 °C (89.6 – 95.0 °F) in the north.
To remain safe, be sure to stay hydrated, use sun protection, and limit outdoor activities during the hottest parts of the day. You can also monitor from the Ministry of Health.
You can stay hydrated and be sustainable by refilling your reusable bottle at a free public water fountain, known as acqua potabile. You will find these in most town hall squares.
9. Be Prepared for Public Transport Strikes
Public transport strikes can occur with little notice and may result in delays or extra expenses. With some forward planning, including checking alerts, being flexible with your schedule, and having travel insurance, you can effectively manage most disruptions.
10. Enroll in Travel Alert Programs
Register with your country’s travel alert program (as discussed above) to receive updates and access consular assistance in the event of an emergency.
Be Savvy: Pack Travel Insurance for Italy
Yes, Italy offers incredible art, food, and scenery. But like any international trip, the unexpected can happen. Medical emergencies, lost baggage, or travel delays can quickly turn your dream vacation into a stressful and costly experience.
The good news is that with the right travel insurance and some planning, you can explore Italy with confidence. This article helps you choose the best policy, prepare medically for your trip, access emergency contacts, and stay safe while traveling.
Find the Best International Travel Insurance
- Get multiple quotes and coverage options
- Travel Medical, Trip Cancellation & more options available
- Find the best plan for your needs and budget
Getting travel insurance isn’t just a formality; it’s your peace of mind, letting you enjoy every moment of your Italian adventure.
So why leave peace of mind to chance? Explore our travel plans and get a free quote today!