Travel insurance for British residents of Italy, trips to the UK included
Once you live in Italy, many UK travel policies no longer fit, because they are sold to people resident in the UK. An Italian travel policy is built for Italian residents: ours covers trips to the UK, since the policy's definition of Europe includes the United Kingdom, with medical expenses paid directly by the insurer's operations centre.
Consultation in English is included
Italian policies are written in Italian. We explain the cover, the exclusions and the paperwork to you in English, before you buy and when you claim, at no extra cost. Call +39 0141 441493 or email info@assicurazionecastellodiannone.it.
In short
- UK travel insurers generally sell to UK residents: check the residence clause before you rely on an old policy.
- An EHIC or GHIC gives access to necessary state healthcare, but gov.uk is clear that it is not an alternative to travel insurance: no private care, no repatriation.
- SìViaggiare by Reale Mutua is for people resident in Italy and covers single trips from 2 to 123 days, to Europe (UK included) or worldwide.
- Medical expenses abroad up to €30,000 (Silver) or €250,000 (Gold), with no excess on medical expenses.
- Consultation in English is included, before you buy and when you need to claim.
Travel insurance
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SìViaggiare, underwritten by Reale Mutua. Consultation in English is included: we go through the Italian policy wording with you before you sign.
Can I still use a UK travel policy if I live in Italy?
Check the small print. UK travel policies are generally written for people whose permanent home is in the UK, and trips usually have to start and end there. If you have moved your residence to Italy, a claim could be refused on that ground alone. An Italian policy flips the logic: your home is in Italy, and the UK is a destination like any other.
EHIC and GHIC: what they do and do not pay
It depends on how you are covered. If you are registered with the Italian health service on the standard, free basis (for example through work, or as a Withdrawal Agreement resident), you may be entitled to an Italian EHIC (TEAM), and the UK accepts an EU-issued EHIC for treatment that becomes medically necessary during a visit. gov.uk warns that you cannot get an Italian EHIC if you are registered voluntarily, and that UK nationals who move to the EU should not expect to use NHS services for free when visiting the UK. If you live in Italy on a registered UK S1, the rules are different again: see our healthcare guide.
What SìViaggiare covers
| Cover | Silver | Gold |
|---|---|---|
| Medical expenses abroad, per person | €30,000 | €250,000 |
| Excess on medical expenses | None | None |
| Lost or damaged baggage, per person | €500 | €1,000 |
| Trip cancellation (optional) | €500 to €5,000 per person, chosen by you | €500 to €5,000 per person, chosen by you |
Direct payment. You call the operations centre (Blue Assistance, part of Reale Group) before incurring the expense; it authorises treatment and pays the hospital directly, within the limits of the policy. The operations centre works 24 hours a day in Italian: we help you in English with everything around it, from the paperwork to the claim.
The policy also includes assistance such as medical repatriation and early return home, organised by the operations centre. Limits, excesses on specific guarantees and exclusions are in the Conditions of Insurance, which we go through with you.
Travel insurance
Price your next trip to the UK
SìViaggiare, underwritten by Reale Mutua. Consultation in English is included: we go through the Italian policy wording with you before you sign.
Who can buy it
The policy defines residence as the place in Italy where the insured person habitually lives, so it is designed for people resident in Italy. Online purchase is not available in every Italian region: the quote tool checks your residence at the first step.
Frequently asked questions
Can I buy UK travel insurance if I live in Italy?
Usually not on standard terms: UK travel policies are generally sold to UK residents and may refuse claims from people who live abroad. An Italian travel policy is built for Italian residents and treats the UK as a destination.
Does my Italian health card cover me when I visit the UK?
Only if it is an Italian EHIC (TEAM), which you may get when you are registered with the Italian health service on the standard basis; gov.uk says voluntary registrants cannot get one. Even then it covers only medically necessary care, not private treatment, repatriation or cancellation, so travel insurance is still recommended.
Does SìViaggiare cover trips to the United Kingdom?
Yes. In the policy, Europe includes the United Kingdom, so a trip from Italy to the UK is covered with the Europe destination.
Is there an excess on medical expenses?
No, there is no excess on medical expenses at either level. Some other guarantees, such as cancellation for illness without hospital admission, can carry a percentage excess, as set out in the Conditions.
Can I speak English when I need help abroad?
The 24-hour operations centre works in Italian. Our consultation in English is included: call us and we help you with the claim and the paperwork.
Travel insurance
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SìViaggiare, underwritten by Reale Mutua. Consultation in English is included: we go through the Italian policy wording with you before you sign.
Sources
Official sources checked on 24 October 2026. Rules change: always check the latest version before you act.
Important information
This guide is general information, not personal advice. Cover, limits, excesses and exclusions are set by the policy documents (DIP, additional DIP and Conditions of Insurance), which are in Italian and are what counts legally: we give them to you, and talk you through them in English, before you sign.
Assicurazione Castello di Annone di Rabacchin Matteo, VAT no. 01627330051, is an insurance intermediary registered in the Italian Single Register of Insurance Intermediaries (RUI), Section E no. E000517439, supervised by IVASS. Online quotes and purchase are not available in every Italian region: the quote tool tells you at the first step if the service is not available in your region.