Travel insurance for residents in Italy
Travel insurance for residents in Italy, explained in English
SìViaggiare Reale is a Reale Mutua travel policy for people resident in Italy, for trips in Italy, Europe (the UK included) or worldwide. It pays urgent medical costs during the trip up to €30,000 (Silver) or €250,000 (Gold) per person, with no deductible, and includes a 24/7 assistance centre and medical transport back to Italy.
€23.65 for a week in Europe one traveller, UK included, Silver, medical, assistance and baggage, taxes included
English-speaking advice included
Every policy comes with advice in English at no extra cost: before you buy, when you read the Italian documents and when you make a claim. Call +39 0141441493, write to info@assicurazionecastellodiannone.it or book a call or visit.
What SìViaggiare Reale covers
Urgent medical expenses
Doctors, medicines and hospital treatment after an injury or a sudden illness, when care cannot wait until you are home: up to €30,000 (Silver) or €250,000 (Gold) per person, with no deductible. Within that limit, urgent dental care up to €250 and orthopaedic devices up to €550.
Source: SìViaggiare Reale Insurance Conditions, art. 2.2.1
Direct payment of the hospital
Call the operations centre before you pay: where possible it takes charge of the costs and pays the hospital directly. Abroad this applies to admissions with at least one night. Otherwise you pay and claim back, settled within 30 days of the documents. If a hospital estimates at least €10,000, you can get an advance of up to 60% of the sum insured, maximum €50,000.
Source: SìViaggiare Reale Insurance Conditions, art. 3.2.1 and 3.2.2
Medical transport and family support
If the operations centre's doctors agree with the doctors on the spot, you are transferred to a hospital near your home in Italy, with medical staff on board if needed. If you stay in hospital longer than 5 days, an adult relative gets a return ticket and a hotel up to €520.
Source: SìViaggiare Reale Insurance Conditions, art. 2.1.1 L and P
24/7 assistance centre
Medical advice by phone at any hour, an interest-free advance of up to €2,600 for unexpected costs, extra hotel nights if a doctor says you cannot travel home on time, and translation of your medical records if they are written in English, French, German or Spanish.
Source: SìViaggiare Reale Insurance Conditions, art. 2.1.1 A, I, R and T
Baggage
Theft, loss, damage in transit and late or missing delivery on a flight: up to €500 (Silver) or €1,000 (Gold) per person. Plus up to €150 for essentials abroad when your bag arrives more than 12 hours late, or to replace lost documents. Phones, laptops and jewellery up to 50% of the limit.
Source: SìViaggiare Reale Insurance Conditions, art. 4.2.1
Trip cancellation (optional)
Refunds the cancellation penalties if you cannot leave because you, a travel companion insured with you or a close relative fall ill, are injured or die, or because of serious damage to your home or business, a new job or a dismissal, or a summons from the authorities. Limit of your choice from €500 to €5,000 per person.
Source: SìViaggiare Reale Insurance Conditions, art. 4.3.1
Accident cover (optional)
A lump sum if an accident during the trip causes death or permanent disability: €25,000 (Silver) or €150,000 (Gold).
Source: SìViaggiare Reale Insurance Conditions, art. 2.3
What it costs
The premium depends on destination, length of the trip, number of travellers, level and options. Three trips, the same ones shown on our Italian page, calculated on the insurer's tariff for 2 travellers:
Weekend in Italy
€14.74 for 2
2 days in Italy, Silver. About €7.37 per person.
A week in Europe or the UK
€47.31 for 2
7 days in Europe, UK included, Silver. About €23.66 per person.
Two weeks outside Europe
€122.44 for 2
17 days worldwide, Gold. About €61.22 per person.
Tariff premiums for the whole trip, taxes included, with medical expenses, assistance and baggage, including the 15% discount for taking both sections. Cancellation and accident cover are extra. Calculated by the same engine as the online quote.
Before you sign: limits and exclusions
Only for people resident in Italy
The Conditions define your residence as your habitual home in Italy, and a trip as travel outside your Italian municipality (comune) of residence. If you still live in the UK, this policy is not for you.
Source: SìViaggiare Reale Insurance Conditions, glossary
Known and pre-existing conditions
Illnesses and injuries already present and known when you leave, and their relapses, are excluded, as are medical costs linked to pre-existing conditions. Pregnancy complications beyond week 26, pregnancy illnesses and childbirth are not covered.
Source: SìViaggiare Reale Insurance Conditions, art. 2.1.2 and 2.2.2
Only urgent care during the trip
Follow-up visits after you are home, physiotherapy, glasses and contact lenses, cosmetic and spa treatment, and care that could wait until your return are excluded.
Source: SìViaggiare Reale Insurance Conditions, art. 2.2.1 and 2.2.2
Call the operations centre first
Assistance services must be arranged by the operations centre: the insurer does not pay for services it did not arrange. Direct payment of medical costs also needs its prior authorisation.
Source: SìViaggiare Reale Insurance Conditions, art. 3.1.1 and 3.2.2
Risky sports
Injuries from air sports, professional sport, motor races and exceptional expeditions (for example polar or Himalayan expeditions, ocean regattas, extreme skiing) are excluded.
Source: SìViaggiare Reale Insurance Conditions, art. 2.1.2
When cancellation cover works
The policy must start within 5 days of booking the trip, and cancellation cannot be added in the 10 days before departure. For illness without a hospital stay you pay 20% of the penalty. Missing or invalid passports and visas are excluded.
Source: SìViaggiare Reale Insurance Conditions, art. 4.3.1, 4.3.2 and 4.3.3
Length of the trip
A policy covers from 2 to 123 days and up to 9 travellers. For travel policies bought at a distance and lasting less than one month, Italian law does not give the 14-day right of withdrawal.
Source: Reale Mutua tariff MOD. 3002 ASS; Italian Consumer Code, art. 67-duodecies(5)
If you have recently moved to Italy
Trips back to the UK count as Europe
The United Kingdom, Ireland and Northern Ireland are in the Europe zone of the policy, so a visit home does not need worldwide cover. Choose worldwide only for trips outside Europe.
Source: SìViaggiare Reale Insurance Conditions, glossary "Europa"
Medical transport goes to Italy
If you need to be moved, the transfer is to a hospital near your residence in Italy, not to the UK. An air ambulance is used only within Europe and the Mediterranean; elsewhere a scheduled flight, train or ambulance.
Source: SìViaggiare Reale Insurance Conditions, art. 2.1.1 P
Your residence decides, not your passport
The Conditions refer to your residence in Italy and never to your nationality. You need an Italian tax code (codice fiscale) and your address in Italy. Claims are paid in Italy, in euro, converting foreign currency at the European Central Bank rate.
Source: SìViaggiare Reale Insurance Conditions, glossary and art. 3.2.2
Public health services abroad
The operations centre can tell you about local health facilities and, in EU countries only, about the documents you need to use public ones. If a public health service or another insurer has paid part of the bill, copies with their statement replace the originals.
Source: SìViaggiare Reale Insurance Conditions, art. 2.1.1 A and 3.2.1 B
How it works
Get your quote online, in English
The price is calculated on the insurer's tariff from the details you enter. The quote is free and does not commit you to buy.
Go through it with an English-speaking adviser
Before you sign we send you the pre-contract documents (DIP and additional DIP) and the Insurance Conditions. They are in Italian, the version that is legally binding: we walk you through them in English, at no extra cost.
Sign and stay covered
You sign online or at one of our offices. When you need to make a claim, you deal with us in English and we handle the paperwork with the insurer.
Frequently asked questions
Can I buy travel insurance in Italy as a British citizen?
Yes, if you live in Italy. SìViaggiare Reale is based on your residence, which the Conditions define as your habitual home in Italy, and says nothing about nationality. You need an Italian tax code (codice fiscale) and your Italian address. If you have not moved yet, it is not the right policy.
Does it cover a trip from Italy to the UK?
Yes. The UK is part of the policy's Europe zone. Urgent medical costs are covered up to €30,000 with Silver or €250,000 with Gold, with no deductible. For a hospital stay with at least one night the operations centre can pay the hospital directly; otherwise you pay and claim back.
Is there a deductible on medical expenses?
No: the Conditions apply no deductible (franchigia) to the medical expenses cover. Medical costs are paid within the limit of the level you choose. A share applies elsewhere: for example 20% of the penalty on trip cancellation for illness without a hospital stay.
Are pre-existing medical conditions covered?
No. Illnesses and injuries already present and known when you leave, their relapses, and costs linked to pre-existing conditions are excluded. The policy pays for sudden illnesses and accidents that happen during the trip and need care that cannot wait until you are home.
Is there an annual multi-trip policy?
SìViaggiare Reale is priced on the dates of the trip, from 2 to 123 days, for up to 9 travellers on one policy. If you travel often, for example back to the UK several times a year, tell us how you travel and we will tell you honestly which solution fits.
When should I buy cancellation cover?
Straight after booking: the policy must start within 5 days of booking, and cancellation cannot be added in the 10 days before departure. You choose the limit, from €500 to €5,000 per person, and should tell the tour operator the same day the event happens.
Are the policy documents in English?
The legally binding documents are in Italian. Your adviser goes through them with you in English before you leave, and helps you in English with any claim. Medical records written in English, French, German or Spanish can be translated by the operations centre.
Ready to see your price?
Free online quote, explained in English by a registered Italian insurance intermediary.
SìViaggiare Reale is underwritten by Società Reale Mutua di Assicurazioni and distributed by Assicurazione Castello di Annone di Rabacchin Matteo, insurance intermediary registered in the Italian Single Register of Insurance Intermediaries (RUI), section E, no. E000517439, supervised by IVASS. This page is a summary in English: the Insurance Conditions (in Italian, PDF) and the pre-contract documents you receive before signing are the legally binding texts. For contracts concluded at a distance you can withdraw within 14 days, except for travel policies lasting less than one month (art. 67-duodecies Italian Consumer Code). Online quotes may not be available in your region. Complaints and regulatory information: reclami (in Italian).