Travel Insurance for Holidays in Italy – Forbes Consultant

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A trip to Italy offers a lot of splendor, history and excitement. If you’re looking for a vacation in Italy, you know it’s expensive and you’ll likely want to visit several cities while you’re there.

You may decide to travel between cities, take a train, or use private transportation, so there is a chance that you will encounter delays or other unexpected travel hurdles. As with any trip, especially outside the United States, it is important to consider a travel insurance policy in order to protect you and your investment in your trip.

Here’s how to choose the right policy for a trip to Italy so that you can focus on the experience and less on worries.

What to look for in an Italy travel insurance policy

There are a few basic types of coverage to look for when traveling outside the United States, especially on an expensive trip.

says Scott Adamsky, a spokesperson for AIG Travel.

Adamski recommends purchasing travel insurance within 15 days of the initial flight deposit so that you can take advantage of early purchase terms such as getting a pre-existing medical condition exclusion waiver.

But if you are late in purchasing travel insurance, the insurance policy may be purchased 24 hours before the flight departure date.

The importance of trip cancellation insurance

You may be planning your trip to Italy over a year in advance, so buying a travel insurance policy at the time you pay for your trip gives you the most value because you keep coverage longer.

We all know life is unpredictable, and even as excitement builds over an upcoming trip to Venice or Rome, the unexpected can happen. Trip cancellation coverage will allow you to cancel the trip, file a claim and reimburse for any prepaid and non-refundable expenses if the reason for cancellation is covered by the policy.

For example, if you sprained your ankle the day before the trip, or if a relative died, you can generally file an insurance claim against the trip cancellation.

If you’ve booked a private gondola ride in Venice, for example, and need to cancel the ride, you can be compensated for that missed experience.

Trip cancellation insurance can often be upgraded to “cancellation for any reason” coverage. This gives you some payment if you cancel the trip for a reason not covered in the basic policy – like sudden fear of travel or unexpected hatred for Ragu alla Bolognese.

Dealing with flight delays

Direct flights to Italy are very expensive. You may be able to get a lower airfare ticket by purchasing a layover.

If you have a connecting flight in London on your way to Rome, and there is severe weather like heavy rain and fog, this may prevent your flight from taking off at JFK. If you miss your connection to London, you will have to wait for the next flight.

Other problems may arise when the next few flights are full. If this happens, you may have to wait until the next morning to continue your trip to Rome.

Here’s where flight delay insurance helps you with expenses like meals, hotel accommodations, transportation, or rebooking an expensive flight. Keep in mind that many policies have a waiting period—sometimes six to 12 hours late—before flight delay benefits start.

Compensation for flight interruption

As with any trip, whether it’s to Miami or Milan, you may have a setback.

“Flight interruptions and travel delays are the most common claims among travelers to Italy,” Lisa Cheng, a spokeswoman for travel insurance company World Nomads, reports. “A trip interruption can help you recover unused and prepaid portions of your trip that you had to cancel due to an early return for a covered cause,” she says.

For example, if your sister takes care of your 5-year-old daughter while you are in Italy, and your sister has the flu and cannot care for your child, you may have to cut short your trip and go home.

“With flight interruption coverage, you have a safety net in place. It can also give you an economy class one-way ticket,” says Cheng.

Baggage problems

Italy is a mixture of so much to see and do.

“With ancient ruins, cliffside villages, regional cuisine, and history on display everywhere you go, Italy is known for many things,” Cheng says. But where there are crowds of tourists, there are opportunities for thieves.

In Rome, she recommends being especially vigilant at metro stations, night trains, and other crowded tourist areas such as the Colosseum and Termini Train Station.

She also says that Naples is also famous for pickpockets, as they tend to stay in the Spanish Quarter, the main train station, Piazza Garibaldi, and dark alleys and streets.

To reduce the risk of theft, Cheng advises avoiding hiding your wallet in your pants pocket. “Consider wearing a money belt even if you’re not the most stylish person on the street,” she advises.

Travel insurance can help replace or replace stolen items, whether it’s a watch, a bracelet, or your passport. This falls under baggage and personal belongings coverage.

“Each item and total benefits are maximum applied, as are exceptions such as antiques, cash, or misplaced belongings,” Cheng says. It says that you should quickly report the loss or theft to local law enforcement, the co-carrier, travel supplier, the itinerary, or a representative of the place or location where the loss or theft occurred. This will be required when submitting a claim for reimbursement.

Note that baggage coverage is often secondary coverage in a travel insurance policy, which means you have to make a claim on other applicable coverage first, such as homeowner’s insurance.

Protection from unexpected medical expenses

Most belongings can be replaced, but the most important issue to plan for is your health when traveling internationally. A US health insurance plan may have limited or no coverage outside the United States. Likewise, Medicare does not cover health care costs outside the United States—a major consideration for senior travelers.

If you suffer illness or injury while traveling internationally and need medical care, you will have to pay out of pocket if you do not have travel insurance with medical coverage.

“Whether you’re exploring caves at Le Marche, going skiing in the Dolomites, or even wandering in a Tuscan village, you never know what injuries or disease you might encounter,” says Cheng.

For example, if you are on a bike tour in Tuscany and have a shock and are ejected from your bike and suffer a concussion, you will need immediate medical attention. Your travel insurance company can act as a liaison and help determine an appropriate facility where you can be treated.

“Medical facilities are scattered all over Italy, but there are fewer options outside of urban areas,” Chong notes. “These emergencies can kill even the most experienced traveler. That’s why the services of our 24/7 emergency team are so valuable. Travel assistance services will be able to advise you on what to do, and help determine Locate appropriate medical facilities (particularly in remote areas where accessing medical care may be difficult) and monitor your medical treatments to make sure you receive appropriate care,” Cheng says.

If your primary health insurance policy doesn’t provide coverage abroad, purchase an insurance policy with at least $50,000 medical coverage, Squaremouth, a travel insurance comparison site, recommends.

You can buy a more generous $500,000 per person medical coverage if you want a bigger safety net. You can also buy travel insurance that covers Covid-related trip cancellations and medical expenses for travel. Work with your travel insurance agent to determine the features you want in the policy.

What if I need a medical evacuation?

If your injury or illness calls for more specialized care than is available in your location, emergency medical evacuation coverage can cover the cost of medical care for an appropriate facility.

If you are not covered by insurance and need urgent transportation, it can cost you thousands of dollars out of your pocket.

You can purchase a generous $1 million medical evacuation coverage per person. However, the insurance company will only pay for your access to an appropriate medical facility. Consider a membership with a service like Medjet if you want to make sure you can be sent back to the United States because of a medical problem if you want to.

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