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Travel Insurance for Italy

Travel Team | May 10, 2024

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Italy, with its rich history, vibrant culture, and picturesque landscapes, is a dream destination for many travelers. From the ancient ruins of Rome to the romantic canals of Venice, each corner of this Mediterranean gem holds a story waiting to be discovered.

While the prospect of savoring authentic pasta in Rome or gazing at the artistry of Michelangelo in Florence is exciting, it's equally important to address the 'what-ifs' that may arise during your travels. In this article, we’ll dive into your options for Italy travel insurance, the requirements that come with traveling to Italy, and offer destination-specific travel tips that can ensure a safe and relaxing trip.

Should You Buy Travel Insurance for Italy?

Travel insurance is always recommended for Italy and other international destinations. Your domestic health insurance often does not cover you in another country, potentially leaving you with costly medical bills if you get sick or hurt in bella Italia. Plus, you never know when an unexpected event could put the money you spent for your trip — from flights and gondola rides to hotels and opera tickets — at risk.

Do I Need Travel Insurance for Italy?

Travel insurance is not required to travel to Italy (unless you require a Schengen Visa), but it is a good idea to have. Let’s get some more information on travel insurance and why it could be beneficial to get before your Italian getaway.

Travel Insurance Requirements for Schengen Visa Holders

If you need a Schengen Visa for your trip to Italy, you must have valid travel insurance. However, if you can travel to Italy visa-free, then travel insurance is not mandatory – although it is strongly encouraged.

If you are applying for a long-term visa to Italy (such as a Work or Student visa), you may need international (expat) health insurance rather than travel insurance.

You can find more on these requirements here.

Italy Travel Insurance Coverage Options

Seven Corners offers a variety of plans that meet most travelers’ needs, whether you’re traveling internationally or in your own country.

Coverage options can differ depending on the plan you choose, the specific benefits and add-ons you select, and your state or country of residency. Check out some travel insurance benefits found in many of Seven Corners’ plans to help protect you during your trip to Italy.

Trip Cancellation

Seven Corners could reimburse you for the prepaid, nonrefundable trip expenses you insured if you have to cancel your trip for a covered reason.

What are covered reasons?

These can include triggers such as an illness that prevents you from traveling or inclement weather, like a hurricane, that makes it impossible to get to your destination.

For the flexibility to cancel your trip for any reason, not just those listed in your plan document, consider adding optional Cancel for Any Reason (CFAR) coverage.

Trip Interruption

An interruption often means you ended your trip and returned home early, but it can also include needing to start your trip late.

If you need to interrupt your trip for a covered reason, you could be reimbursed for the prepaid, nonrefundable trip expenses you didn’t use. When your trip interruption causes you to have additional transportation expenses, this benefit covers those expenses, too.

For more flexibility to interrupt your trip and still be reimbursed, consider adding optional Interruption for Any Reason (IFAR) coverage. This allows you to interrupt your trip for any reason, not just the covered reasons listed in your plan document. Maybe you’re feeling unsafe at your destination and decide to return home or move to your next destination early, or you might simply change your mind about travel, so you end your trip early. IFAR can help.

Trip Delay

This benefit can cover expenses resulting from a delay, whether you’re on your way to Italy, returning home, or even in the middle of your trip. To be reimbursed, the trip delay must be caused by a covered reason, such as a flight delay lasting the required amount of time.

Lost or Delayed Baggage

Seven Corners will reimburse you to replace necessary personal belongings if your baggage is delayed by your airline or other common carrier on your way to Italy. Necessary personal items include things like clothing or toiletries — the things you need most so you can continue on your trip.

If your baggage is lost, delayed, damaged, or stolen during your trip, your travel insurance could pay to replace or repair the insured items.

For both lost and delayed baggage, it’s important to remember that there are some requirements and exclusions. For example, some items such as laptops and jewelry may not be covered, and your luggage must be delayed for the length of time stated in the plan before you are eligible for reimbursement.

Travel Medical

Travel medical insurance can cover expenses for medical treatment if you get sick or hurt during your trip. This is particularly important for travelers whose domestic health insurance does not provide coverage overseas.

Seven Corners Trip Protection plans provide coverage for Emergency Accident and Sickness as well as Emergency Dental expenses. We also provide a variety of travel medical plans with robust medical coverage for both U.S. and international residents.

Emergency Medical Evacuation and Repatriation

If you are injured or become ill during your trip to Italy and adequate care is not available, Seven Corners will arrange an emergency medical evacuation to a medical facility that can provide treatment if it is deemed medically necessary. We will also arrange your return home so you can continue recovering.

Accidental Death and Dismemberment

This Seven Corners benefit provides coverage for loss of life or limb resulting from an injury caused by an accident during your trip to Italy.

What Is The Best Travel Insurance for Italy?

Seven Corners Trip Protection is our most popular plan for U.S. residents traveling to Italy. With this plan, you’ll find coverage to protect your trip expenses, belongings, and emergency medical expenses. We also offer an annual trip protection plan for multiple trips, perfect if you travel frequently to Italy or anywhere else in the world.

Seven Corners Travel Medical Insurance provides great levels of confidence for travelers headed to Italy whether you’re a U.S. or non-U.S. resident. These plans offer robust coverage for medical expenses if you get sick or hurt during your trip, so you can get the care you need without having to worry about how you’ll pay for it.

Finding the best travel insurance for your special trip to Italy is easy. Answer a few simple questions on our interactive guide and we’ll show you the best options for you and your trip. Plus, there’s no commitment or hassle when you get a quick quote. If you need additional support, you can also contact our licensed agents and be more confident you’re choosing the best travel insurance for an Italian vacation.

How Much Does Travel Insurance to Italy Cost?

How much travel insurance costs varies depending on the plan you choose as well as a number of other factors. The cost of trip protection plans is based on your trip expenses and is generally 4-10% of your total insurable trip cost. See how to calculate your trip cost and make sure you have the right amount of coverage.

The cost of a travel medical plan is based on:

  • The plan you choose
  • Your age
  • The length of your trip
  • Medical maximum, deductible, and other add-ons you select when customizing your plan

Get a quick, hassle-free quote when you answer a few simple questions about your trip to Italy and see what kind of coverage could be best for you.

Travel Requirements for Italy

Provide an introductory paragraph that sets up the subsections that will go over what is and isn’t required to visit Italy.

Visa Requirements for Italy

If you’re planning a longer stay or visiting multiple European countries, you may need a Schengen visa.

A Schengen visa is a temporary stay visa that allows you to travel to any member of the Schengen Area for up to 90 days for tourism or business purposes. If you are a U.S. citizen with a passport spending 90 days or less in Italy or a citizen of a Schengen Area member country, you don't need a visa.

There are four types of Schengen visas: A (airport transit only), B (short stays up to 90 days), C (extended stays over 90 days), and D (multiple entries over time).

You can learn more about these different types of visas, their eligibility requirements and restrictions, and how to obtain them by visiting our Schengen visa page.

Documents and Forms

To travel to Italy, you’ll want to be sure your required documentation is packed and accessible at the airport. You'll need:

  • Your valid passport
  • A visa, if the trip requires

For more information on required documents and forms, visit the Italian Ministry of Tourism official site..

Public Health Requirements

There are currently no COVID-19-related restrictions in Italy (as of December 2023). However, it is important to revisit these travel guidelines every six months to ensure your information is current and accurate.

Travel Information & Safety Tips for Italy

When gearing up for any trip, you want to know what you can expect and how to prepare. These travel tips cover safety, transportation, currency, and more, so you can feel all set for your adventures and ready to dive into the local scene.

Is Italy safe to visit?

Italy is generally safe with a robust tourist infrastructure. However, petty theft, particularly in crowded spots like Rome, Florence, and Venice, is a concern.

Exercise caution, keep an eye on belongings, and avoid flaunting valuables. Tourists should also beware of scams involving counterfeit goods, as purchasing these may result in thousands of euros in fines.

A great safety tool for travelers is the Smart Traveler Enrollment Program (STEP). When you enroll, you’ll get up-to-date information about safety precautions in your destination country. It will also help the U.S. Embassy and your friends and family contact you in case of an emergency.

You can also visit the U.S. Department of State website for your destination country to see the latest travel advisories.

What languages are spoken in Italy?

The majority of Italy’s population speaks Italian—about 97%. While around one-third of the population can speak English, many might only know basic English.

What currency is used in Italy?

The euro (€) is the currency used in Italy. As of December 2023, the exchange rate between euros and United States dollars is 1 euro = 1.10 dollars.

For the most current currency rate, check out this currency exchange tool.

What is the weather like in Italy?

Explore Italy's varied climates, from the Dolomites in the north to the timeless charm of Rome and the warmth of the south. Whether you seek summer escapades or winter charm, each region promises a trip you'll never forget.

Northern Italy: Experience hot summers in the 80s F, perfect for activities like mountain lake swimming and Dolomite hiking. Winters, lasting from December to March (or April some years), bring freezing temperatures and scenic snowfall.

Central Italy: Tuscany, Umbria, and other central locations enjoy hot summers in the 80s F, especially on the coasts. Winters see temperatures in the 40s F and 50s F, occasional snow, and rain. The coldest weather is typically in January and February.

Rome: January marks the coldest month in Rome, with averages around 46 F. Despite the chill, Rome sees a surplus of sunshine, and by February, you'll find days warm enough for sundresses and picnics. In summer, the hottest months—July and August—average in the mid-70s F, with occasional highs in the 80s F. Rome boasts sunshine year-round, with summer averages in the mid-teens and around seven or eight hours daily in winter.

Southern Italy: In Naples and the surrounding area, anticipate hot, dry summers with average temperatures in the 70s F and 80s F. Winters are mild and rainy, with January and February averages in the 40s F. As you travel south, temperatures rise slightly, and this region rarely experiences snow or ice.

Food and Water Safety in Italy

Tap water is generally safe to drink in Italy, including in major cities like Rome. Old-style water fountains can be found throughout major cities and provide safe, convenient spots to refill your water bottles. While some rural areas may have unsafe water, signs reading 'acqua non potabile' indicate water that should not be ingested.

Italy takes its food safety very seriously, so you can safely enjoy produce from local markets. Find more tips on Italian food markets and shop with a local's insight.


In Italy, cities are well-connected with local train stations, offering convenient, fast, and reliable travel. Besides trains, your other transportation options include rentable cars, buses, boats, and of course, the iconic Vespa.

Taxis are also a good option for short distances within cities, but different than waving down a taxi like you would in New York City or Chicago. Italian taxis are available at designated taxi stands or through mobile apps like MyTaxi.

Do I need a power adapter for my electronics?

Italy uses three plug types: C (two round pins), F (two round pins with two earth clips), and L (three round pins). The country operates on a 230V supply voltage and 50Hz.

U.S. Embassy and Consulate Information for Italy

Before traveling to Italy, it’s important to know the location of the nearest embassy or consulate to where you’re staying. Here’s a full list of Embassy and Consulate locations.

U.S. Embassy Rome:

via Vittorio Veneto 121

00187 Roma

Phone: (+39) 06.46741

U.S. Consulate General Florence:

Lungarno Vespucci, 38

50123 Firenze

Phone: (+39) 055.266.951

U.S. Consulate General Milan:

via Principe Amedeo, 2/10

20121 MILANO

Phone: (+39) 02.290351

U.S. Consulate General in Naples:

Piazza della Repubblica

80122 NAPOLI

Phone: (+39) 081.583.8111

Contact Seven Corners about Travel Insurance for Italy

Travel insurance doesn’t have to be complicated. Just tell us about your trip, and we’ll help you find the best travel insurance for Italy. Get a quick quote online — no commitments and no hassle — or chat with a licensed Seven Corners agent to have all your questions answered and customize your coverage. Buon viaggio!

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