When you’re planning a vacation, travel insurance might be the last thing on your mind. You’re thinking about all the fun stuff – and why shouldn’t you be? Italy has lots of amazing sights, sounds and tastes in store for you, so it’s only fitting that you should be focused on that. But on the off chance that something goes wrong, you don’t want your whole trip spoiled because you have to pay for an unexpected stay in a hospital or something. Getting travel insurance for your Italy trip isn’t inviting disaster – it’s just like with umbrellas: better to take the umbrella and have it not rain than the other way ’round.
So, let’s look at the different kinds of travel insurance that are available, so you can make an informed decision about what kind of travel insurance is right for your Italy trip.
Types of Travel Insurance
Travel Medical Insurance
(Includes Emergency Evacuation Insurance)
This insurance covers just what you’d expect from the name – if you have a medical emergency while you’re traveling or living abroad, this is the insurance you’d want to have. If you have health insurance coverage at home, it may or may not cover you when you leave the country – and even if it does, it may not cover all your expenses. Whether or not you have medical insurance at home, getting Travel Medical Insurance is a good idea. It will at least prevent you from worrying about spending all your savings on a medical emergency during your trip. At that point, you’ll have enough to worry about – medical insurance shouldn’t add to your stress.
What Italy travelers should consider travel medical insurance? Italy travelers whose home health insurance does not cover them when they leave their home country, and especially those who are planning to do any kind of adventure activity (biking, skiing, hiking, etc.).
Trip Protection Insurance
This is the kind of insurance that will pay you back for most of your non-refundable trip expenses in the event of a death, sickness, airline strike, bankruptcy (on the part of the tour provider, not you!) and some “acts of nature.” It would be horrible to pay thousands on a vacation to Italy and then have to cancel the whole thing at the last minute because of some unforeseen emergency – and then to lose most of that investment because you didn’t have Trip Protection Insurance.
What Italy travelers should consider trip protection insurance? Italy travelers who are on a cruise, or a package trip, or who have booked any kind of pre-paid tour/accommodation/transportation for which you wouldn’t get a refund if you had to cancel your trip at the last minute.
Flight/Travel Accident Insurance
This is very specific insurance that covers something catastrophic happening to your flight that would result in your death or the loss of a limb or the loss of your eyesight.
What Italy travelers should consider flight/travel accident insurance? Italy travelers who want to make sure they or their beneficiaries get a sum of money if something happens to their flight.
Annual Multi-Trip Insurance
Do you travel often? Would you prefer getting one package that covers you every time you leave the country over the course of a year without having to get another quote for each trip? This is the insurance for you.
What Italy travelers should consider annual multi-trip insurance? Italy travelers who go to Italy (or elsewhere outside their home country) on a regular basis, multiple times per year.
Should you or shouldn’t you?
The ultimate decision on whether to get travel insurance for your Italy trip lies with you, but if you’ve never even gotten a quote you should try it just to see how inexpensive travel insurance can be. Especially as compared to the cost of your vacation, travel insurance is downright cheap. And for loved ones at home, the peace of mind of knowing that you’ll be taken care of if something happens to you may be worth it. In fact, if anyone’s asking whether they can get you something for your trip, “travel insurance” may be an ideal gift!
Keep in mind that none of these types of insurance cover theft or loss of the stuff you’re carrying with you, like your laptop or iPod or Eurail Pass. For your personal items, check with your homeowner’s or renter’s insurance to see whether they’ll cover those things when you’re traveling. For things like a Eurail Pass there is an insurance policy you can buy when you buy the pass itself that will refund some of your train tickets in the event you lose your pass or it is stolen.