Travel Insurance for Italy, Fully Covered with LUMA
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Trusted by 100,000+ travelers
A decade of travel cover
Backed by medical guidance
Instant online purchase
On-the-ground teams and global partners ensure care is always nearby.
24/7 English speaking assistance with coverage curated for Italy.
Practical support backed by decade-long experience and deep-rooted hospital networks.
Direct access to our in-house medical team (Medipro) for real medical advice.
01 Need medical care while traveling in Italy?
Italy’s summer heat, long sightseeing days, and queues at major attractions can catch travelers off guard, especially in places like Rome, Florence, and the Amalfi Coast. Heat exhaustion, dehydration, or dizziness, can make it difficult to continue the trip without getting checked. Medipro can advise you on whether your symptoms are serious enough to see a doctor, and your LUMA policy covers eligible treatment costs if you need medical care.
02 Bag stolen near the Colosseum or Rome Metro?
Buses, metro stations, and trains, especially in Rome, Naples and Milan, are where tourists get targeted. A phone, wallet, or bag stolen around busy stations, crowded platforms, or popular city routes is more than an inconvenience mid-trip. LUMA plans can help with eligible loss or theft of personal belongings, so you're not carrying the full replacement cost yourself.
03 Italy trip cancelled before you fly?
An Italy trip is usually paid for well ahead, flights, hotels in Florence or the Amalfi Coast, none of it cheap or easily refunded. If a serious illness, an injury, or a family emergency stops you travelling, getting that money back on your own is rarely simple. LUMA plans with trip cancellation cover reimburse eligible prepaid expenses, for covered reasons like these, subject to your policy terms.
04 Road accident on a narrow Tuscan road?
Tuscany’s narrow country lanes are beautiful, but they can be tricky if you are driving between hill towns, vineyards, and countryside stays. Tight bends, tourist traffic, scooters, and unfamiliar roads can catch visitors off guard. Whether it is a car accident on a road trip or a scooter fall during a day out, LUMA covers eligible medical costs under your plan. If the nearest facility is not enough, LUMA can help arrange transfer to a better-equipped hospital.
05 Twisted ankle on Rome's cobblestones or ancient ruins?
Rome's cobblestone streets, uneven basilica steps, and the stone pathways around the Colosseum and Roman Forum are notoriously hard on ankles, especially after a long day of sightseeing. A bad twist or a fall can mean an X-ray, a brace, or a clinic visit you hadn't planned for. LUMA covers the eligible medical costs, and for a larger bill, direct billing can be arranged where available.
Your Italy Travel Insurance Questions, Answered
Yes. July and August can get very hot in Rome and southern Italy, especially during long outdoor days. Most travelers are fine with water, shade, and slower sightseeing. But dizziness, nausea, weakness, or dehydration that does not improve is worth taking seriously. Medipro can advise you on whether to see a doctor, and your LUMA policy covers eligible treatment costs if you need care.
Yes. Italian public hospitals will treat you in an emergency regardless of nationality, and the bill for basic emergency care is generally manageable. The gap opens up if you're not an EU citizen or covered by a bilateral health agreement, since nationals and eligible Europeans have part of their costs covered by the government, while visitors from outside those arrangements pay the full amount. Private clinics are faster, often English-speaking, but they charge significantly more and expect payment at the time. LUMA covers eligible medical expenses under your plan, and Medipro can help you decide whether your what kind of facility makes sense for your situation.
Yes, if you require a Schengen visa. As confirmed by the official Schengen visa requirements, visa applicants must submit proof of travel insurance covering a minimum of €30,000 for medical emergencies and repatriation, valid across all 29 Schengen countries for the full duration of the stay. Without a compliant certificate, a visa application can be refused. LUMA plans offer USD 50,000 onwards in medical coverage, so all plans meet the minimum coverage requirement for a Schengen visa.
Yes, in some regions. Sicily, southern Italy, and areas around Naples can be affected by earthquakes or volcanic activity. Mount Etna can also disrupt flights around Catania when ash or eruptions affect airport operations. Keep an eye on local alerts if your trip includes these areas. If a sudden, covered event makes it impossible to continue your Italy trip, LUMA plans with trip interruption cover can help with eligible unused prepaid costs or extra travel expenses, subject to your policy terms.
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