The best travel insurance for a vacation in Italy – Robb Report
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Millions of Americans visit Italy every year because there is so much to see and do there. But all the adventure and excitement can translate into an expensive trip. With history, food experiences, and cultural treasures, you’ll probably want to stay longer than a week and visit a few towns during your stay.
You can take the train or plane between cities, but when traveling from point A to point B, there is always a chance that you will have travel delays or other travel issues. Since you are away from home, it is a good idea to purchase travel insurance that protects you against the loss of substantial money due to unforeseen events and unforeseen problems.
Here’s what to look for when purchasing travel insurance for an unforgettable trip to Italy.
Block special benefits
Especially when traveling abroad, it is good to have a comprehensive travel insurance policy with important benefits like trip cancellation, trip delay and interruption, baggage loss protection and coverage of medical expenses and medical evacuation.
Scott Adamski, spokesperson for AIG Travel, said the best solution is to purchase travel insurance within 15 days of the initial deposits for your trip. This strategy gives you the ability to obtain benefits such as coverage for pre-existing conditions and “cancel for any reason” coverage. Both of these benefits have purchase deadlines that you will miss if you wait to purchase a travel insurance plan.
Even if you haven’t purchased your policy right away, you can usually purchase travel insurance up to 24 hours before your departure.
The importance of trip cancellation insurance
If you buy travel insurance when you make your initial deposits, you’ll get the most out of your coverage. You will be able to make a trip cancellation request if necessary for issues such as serious illness or injury to you, a travel companion or a member of your immediate family; loss of employment; severe weather; a family emergency; or terrorism.
Trip cancellation requests will refund 100% of your non-refundable prepaid deposits. Be sure to check your particular policy for the acceptable reasons for a cancellation request.
There is always a chance that something devastating will happen before a trip. For example, if you are going to Rome to celebrate your 20th birthday with your spouse and a hurricane destroys your home, you are usually covered for trip cancellation.
For example, if you’ve prepaid for a private evening tour of historic Rome city center, you can recover non-refundable expenses like this by filing a claim.
A standard travel insurance policy will not cover all possible reasons for cancellation. For example, if you want to cancel because your college friend will be in your city and you want to get together, that’s not a covered reason.
If you want the most flexibility in canceling a trip, you can upgrade to “cancel for any reason” coverage. With that extra layer of protection, you can literally cancel out for fear of traveling, arguing with your partner, or just because you change your mind. But you must cancel your trip at least 48 hours before departure. This upgrade costs about 50% more than a standard travel insurance policy, and you can usually get 75% back if the money you lose.
Prepare for medical issues during your trip
Your US health insurance plan may have limited coverage outside of the US, so be sure to check what you have for global health coverage when planning your trip to Italy. And Medicare has no coverage outside of the United States, with a few exceptions. Since you are leaving the United States, it is important to plan for possible medical problems.
A comprehensive travel insurance plan will include travel medical coverage and emergency medical evacuation coverage.
For example, if you slip into a gondola in Venice and twist your ankle, your travel insurance company can help coordinate care with a medical clinic to have your ankle checked by a doctor and x-rayed. The Travel Assistance team can also help you find a local pharmacy for medication.
Without travel medical insurance, you could have to pay all the bills. Squaremouth, a travel insurance comparison provider, recommends a policy with at least $ 50,000 medical coverage. But there are generous policies with medical coverage of $ 500,000 per person.
Obtain medical evacuation coverage
If you are having lunch in Tuscany and you develop an allergic reaction to food, you will need immediate medical attention. If the local clinic is not suited to handle emergencies of this nature, your travel insurance plan may cover the cost of a medevac to get you to a medical facility that can treat you properly.
Medical evacuation costs can quickly exceed tens of thousands of dollars. You can find plans with $ 1 million for medical evacuation if you want top notch coverage.
If you plan to take off-grid excursions like bike rides or wine tasting in remote villages, you can opt for a membership program like Medjet, which will send an air ambulance to bring you to the hospital and you. take to the hospital of your choice, even if it is back in the United States
Manage travel delays
While it would be ideal to fly directly to Rome, Milan or Venice, it is not always easy to do. You can get better fares with a connection, but you are more likely to face a travel delay. For example, if you have a layover in Dublin and your final destination is Rome, a mechanical problem with the airline could prevent you from leaving Boston on time for a close three-hour connection.
If you miss the last connecting flight and need to stay overnight in Dublin, travel insurance may reimburse you for additional costs during the delay, such as hotel room and meals. There can be a waiting period of three to 12 hours before benefits start, so when shopping for a policy, look for one with a short waiting period for travel delay coverage.
Keep your receipts so that you can request a refund.
Interrupted trips in Italy
You might enjoy your stay in Florence and get a call that may upset your trip. Travel interruption and delay claims are common for travelers visiting Italy, reports Lisa Cheng, spokesperson for World Nomads, a travel insurance company.
For example, if your mother is in an assisted living facility and develops life-threatening pneumonia, you may want to return home to the United States to be at her bedside.
Your travel insurance policy may cover a last minute one-way flight home as part of the Trip Interruption Benefit.
You can also use trip interruption benefits if you have to leave Italy for health reasons.
“Imagine visiting the Colosseum in Rome and falling and seriously injuring yourself and having to complete the trip early,” says Jeremy Murchland, president of Seven Corners, a travel insurance company. “Your travel insurance plan will allow you to do that. “
When you get home, you can also be reimbursed for experiences you miss because you cut the trip short. For example, Murchland says if your trip to Italy included prepaid tickets to see a sports match or concert, that is a reimbursable expense covered by a travel insurance policy.
Italy has so much to discover, from walking tours and gondola rides to historical excursions, dining and extravagant shows. There are cultural city centers with endless shopping and dining experiences.
But tourist areas often have petty thieves who can spot tourists and steal their belongings.
It is wise to keep your belongings very close when visiting, especially in crowds and crowded train stations. Take care of your belongings in crowded tourist spots like the Colosseum in Rome. Consider using a shoulder bag, coin purse, or jacket with interior pockets to store your wallet, phone, and passport.
If you have property stolen, your police can reimburse the value of your items, whether it’s a gold bracelet or binoculars. (Note that the reimbursement is for the amortized cost, not the cost of purchasing new items, and this is usually secondary coverage to your home insurance.)
Your policy likely has reimbursement limits per item or maximum benefits for stolen or damaged items, so check the policy for the limits.
It is important to file a timely report with your attendant and the local police. You will need to send this documentation if you file a complaint.
Erica Lamberg is a personal finance and travel writer based in the suburbs of Philadelphia. She is a regular contributor to USA Today and her writing credits include NBC News, US News & World Report, Business Insider, Oprah Magazine and.