Yes, Travel insurance for Italy is mandatory if you are applying for an Italian visa and the policy must meet the Italy visa travel insurance requirements, including a minimum of €30,000 in medical coverage (approx. $50,000) for emergency medical expenses, hospitalization, and medical evacuation. If you do not need a visa then travel insurance is optional yet it is still highly recommended due to potential high medical costs for foreigners.
Do I Need to Apply for Italy Schengen Visa?
Before traveling to Italy, it is necessary to buy Schengen visa travel insurance to meet the Italian visa requirements. You need to apply for an Italy Schengen visa:
If you are not a citizen of the European Union (EU), European Economic Area (EEA), or Switzerland
If you plan to stay in Italy for up to 90 days within a 180-day period for tourism, business, or visiting family.
⚠️ Exceptions: Some non-EU countries have visa waiver agreements with the Schengen Zone, meaning their citizens can enter Italy without a visa for short stays (usually up to 90 days).
On American Visitor Insurance, you can easily buy Italy visa medical insurance online to get the visa letter to submit to the Italian consulate for your visa application. Once your Italy travel insurance is purchased, you will receive the insurance details with the toll-free number, a virtual ID card, and the Italian visa insurance letter for your visa application, which serves as proof of coverage.
How Do I Apply for an Italian Schengen Visa?
To apply for a Schengen Visa to Italy, follow these steps:
Choose the correct visa based on your travel purpose (tourism, business, etc.)
Fill out the Schengen visa application form.
Gather required documents, including valid passport, travel insurance, proof of accommodation and financial means, flight reservation.
Book an appointment with the Italian consulate or visa center.
Submit your application, biometric data, and documents at the consulate.
Pay the visa application fee.
Processing usually takes around 15 days.
Pick up your approved visa from the consulate.
How Do I Get the Right Insurance for the Italy Schengen Visa?
At American Visitor Insurance, finding the best Italy Schengen visa insurance is quick and easy.
Compare top plans instantly using our online quote engine.
Schengen visa letter included – download it within minutes of purchase to show proof of coverage for your visa application.
Flexible policies – change your dates, push back travel, or cancel before the policy start date for a full refund.
For senior travelers
If both travelers are over 70, you can still be quoted together on American Visitor Insurance (though some insurers require separate applications – total cost remains the same).
What are the Italy travel insurance requirements?
Travelers who need an Italian visa should buy travel insurance satisfying Italian visa requirements:
💡 Tip: Always carry a digital and printed copy of your policy, as you may be asked for proof at border checks or during visa processing.
Which Is the Cheapest Italy Schengen Visa Travel Insurance?
The cheapest travel insurance for Italy is Atlas International Insurance plan, starting at just $1 for a day. Italian visa travel insurance cost depends on factors, such as the provider, the length of stay, the applicant's age, and the level of coverage required. It is advisable to compare the benefits of cheapest Schengen travel insurance before buying a plan that meets Schengen consulate requirements.
Which Are the Best Travel Insurance Plans for Italy Visa?
* The price shown is for a 7-day trip with a $50,000 maximum coverage and a $0 deductible for a 30-year-old traveler.
How Much Does Italy Schengen Travel Insurance Cost?
Europe Schengen travel insurance Cost in 2025
Schengen insurance cost ranges between $8 to $15 per week for a 25-year-old traveler with a $50,000 medical maximum and $0 deductible. All the insurance plans listed below
Meet Schengen visa requirements
Are accepted by Schengen embassies/consulates worldwide
Include a downloadable visa letter immediately after purchase
The policy maximum options available with this plan are $50K to $2M for people up to the age of 65 For people in the age range of 65 to 79, the options are $50K and $100K and for people above 80 the only option is $10K.
Plan pays Coinsurance 100% after the deductible up to the overall limit.
Atlas International Insurance satisfies Schengen visa requirements and offers comprehensive Europe medical insurance for travelers.
Covers acute onset of pre-existing condition covers up to overall maximum limit, under age 80.(excludes chronic and congenital conditions)
The policy has a medical maximum options available $50k, $100k, $500k and $1M for ages 14 days to 69 years.
The length of coverage is 5 days to 364 days.
Travel Medical Global Choice satisfies Schengen visa insurance requirements.
For the acute onset of pre-existing condition coverage for age range of 14 days to 69 years, $50k coverage is available and for age range of 70 to 79 years, $5k coverage is available .
How do I get a certificate showing I have travel insurance when applying for a Schengen Visa?
To get a certificate showing you have travel insurance when applying for a Schengen Visa, follow these steps:
Choose a Travel Insurance Provider: Select a travel insurance policy on American Visitor Insurance that meets the Schengen visa requirements (coverage of at least €30,000 for medical emergencies, including repatriation).
Buy the Insurance: Buy the policy on American Visitors Insurance online which provides Schengen-compliant travel insurance.
Receive the Certificate: After purchasing, you will receive a travel insurance certificate, which includes details like the policy number, coverage dates, and coverage amounts.
Download or Request the Certificate: You can download the certificate from the insurance provider. Ensure the certificate is issued in English or the official language of the country you’re applying to, and that it clearly meets the Italy visa travel insurance requirements.
What Does Schengen Visa Travel Insurance for Italy Cover?
Satisfies Visa requirements: Schengen visa insurance satisfies consulate requirements.
Medical evacuation: Emergency medical evacuation expenses to nearest available facility if needed.
Health care expenses: Covers emergency medical expenses for accidental injury or illness.
Repat of remains: Offers coverage for repatriation of remains expenses to home country in case of death.
Pre-existing conditions: Travel insurance offers coverage for acute onset of pre-existing conditions.
What Is the Best Travel Insurance for Seniors Vacationing in Italy?
The best travel insurance for seniors vacationing in Italy depends on age and visa requirements. At American Visitor Insurance, you can compare top-rated Schengen visa plans designed specifically for older travelers.
Best choice for US seniors if you need at least $50,000 coverage (required for a Long-Term Europe visa).
All of these plans include a Schengen visa letter, which you can instantly download and print after purchase.
💡 Tip: Prices above are based on a $50,000 policy maximum with $0 deductible to meet Schengen visa requirements. If you don’t need to meet those requirements, you can lower the cost by choosing a higher deductible.
Why Should I Buy Schengen Visa Insurance on American Visitor Insurance?
We serve as a trusted marketplace for Schengen travel insurance with over 20 years of experience, helping you easily compare top-rated plans that meet Schengen visa requirements.
Side-by-Side Plan Comparison: With American Visitor Insurance, you can easily compare Schengen visa travel medical insurance plans, costs and benefits from top insurers - all in one place.
Visa-Compliant & Comprehensive Protection: All plans meet Schengen visa requirements and include coverage for medical emergencies, hospitalization, accidents, repatriation, and unforeseen health issues abroad.
Affordable & Transparent Pricing: Get the best price directly from the insurer — no hidden fees. Receive an instant quote and purchase your policy online quickly and hassle-free.
Expert Support & Assistance: Our licensed customer support team is available 24/7 to
Guide you through plan selection and online applications
Help with policy renewals or extensions
Assist with cancellations if travel plans change
Support filing insurance claims
Peace of Mind While Traveling: Enjoy your trip to the Schengen Area knowing you are protected with trusted insurance coverage.
What Factors Influence the Cost of Best Travel Insurance to Italy?
The cost of Italian health insurance for travelers depends on the following:
Age of the traveler: The older the traveler, the more expensive the cost of travel health insurance to Italy.
The maximum medical coverage selected: The options range from $50,000, up to $1,000,000, the higher the coverage amount, the higher the premium.
The selected deductible: A 'deductible' or ‘excess’ is the amount of the medical costs the customer pays before the insurance plan provides any coverage. Most plans provide several options ranging from $0 to $2500 (travelers over age 60 years may not have the $0 deductible option). The lower the deductible, the higher the premium.
The co-insurance on the plan: 'Co-insurance' is the percentage on medical expenses borne by the customer AFTER the deductible is paid. The cheapest travel health insurance for Italy visa will have the highest co-insurance.
The Insurance underwriter: There are different underwriters such as AIG, Lloyds, Nationwide, etc. Premium will vary for different underwriter.
Tip: While the cheapest plan may save money upfront, it’s important to balance affordability with adequate protection—especially for medical emergencies abroad.
How Can I Buy the Best Travel Insurance for Italy?
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Complete the Italy Schengen visa insurance quote request form by providing details of the traveler and insurance requirements.
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Compare the price and the benefits of the different Italian visa insurance options to identify what fits your needs best.
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Buy the plan that fits your requirements and budget best by using a credit card and completing the online application.
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Review the insurance documents & download visa letter is required.
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Please contact our licensed agents at +1 (877) 340 7910 or email, we will provide possible plan options.
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Schengen Visa Insurance Italy, Italy Travel Insurance - FAQs
1. Is travel insurance mandatory for an Italy visa?
Travel insurance for Italy is mandatory if you need a Schengen visa and must meet specific coverage criteria. The Italian visa travel insurance requirement is a minimum coverage of 30,000 Euros.
If you do not need a visa then travel insurance is optional yet it is still highly recommended due to potential high medical costs for foreigners.
2. How can I get Italian visa medical insurance?
Travelers to Italy applying for the Schengen visa can buy Italian visa travel insurance on American Visitor Insurance. While it ironic to buy travel insurance for Italy on American Visitor insurance, we offer several international travel insurance plans that specifically satisfy Italian visa requirements as mandated by Schengen state consulates. Our compare Italian visa insurance quote facility lists a range of cheap travel insurance that satisfy the Italian visa requirements. After buying travel medical insurance for Italy on our website travelers can immediately download the required visa letter to be used while applying for the Italian visa.
3. What is the procedure to get a visa letter for Italy?
Italian visa medical insurance can be purchased online quickly and easily.
The traveler has to provide relevant information (age, travel dates, total amount of coverage desired) in a simple travel insurance for Italian visa form and click the 'get quote' button.
A list of affordable travel insurance plans with the premium (cost), medical coverage details, and the name of the underwriter will be displayed.
The applicant can then buy the best Italian visa insurance plan they like by clicking on the corresponding 'BUY' button. Complete the simple application online and pay using a credit card.
On purchasing the Europe travel insurance for Italy , a traveler will be provided with the insurance details that include a toll free number, a virtual ID card, and a Italian visa letter that may be presented to the consulate as proof of coverage.
4. Who must buy travel medical insurance for Italian visa?
A traveler from any of the Schengen visa required countries visiting Italy for less than 90 days is required to buy short term travel medical insurance to apply for Italian visa. It may be individuals, business travelers, family members. For travelers from Schengen visa exempted countries, planning to stay in Italy for more than 90 days need to buy long term travel medical insurance for Long stay Europe visa.
5. Which insurance provider is best for a Schengen visa to Italy?
We work with many popular and top rated US insurance providers. These insurance companies offer best travel medical insurance coverage for Schengen visa. These Schengen visa insurance plans satisfy requirements as mandated by the consulate and offer comprehensive travel medical insurance coverage. The top insurance providers that offer popular Schengen visa insurance for Italy are International Medical Group, Seven Corners, WorldTrips and Trawick International.
6. Can seniors get travel insurance for Italy? Which insurance is best for senior citizens visiting Italy?
Senior citizens traveling to Europe or any of the Schengen countries can compare and buy the best Senior citizens Schengen visa insurance with satisfies visa requirements.
7. What is covered under Italian visa travel insurance?
Best travel medical insurance for Italian visa covers the cost incurred from
Hospitalization expenses dues of sickness of injuries
Emergency medical evacuation
Repatriation of remains
Trip cancellation or interruption
Flight delay
Baggage delay or loss
Acute onset of pre-existing conditions
Maternity in first 26 weeks
8. Which are the EU countries that are not part of the Schengen region?
The following European countries are not part of the Schengen zone : Albania, Andorra, Armenia, Azerbaijan, Belarus, Bosnia & Herzegovina, Cyprus, Georgia, Ireland, Kosovo, North Macedonia, Moldova, Monaco, Montenegro, Russia, San Marino, Serbia, Turkey, Ukraine, The United Kingdom and the Vatican.
9. What is the difference between European Union (EU) and the Schengen states?
The Schengen region is a travel zone of several European countries where citizens can travel freely within this region without a visa, while the European Union is an economic and political union of several European countries.
10. If my Italy visa is denied, can I cancel my travel insurance plan?
Yes, you can cancel your travel insurance plan if your Schengen visa is denied. There should be full reimbursement if you cancel before the travel dates.
However, if you cancel after the start date, the premium may be refunded on a prorated basis with a cancellation fee, but only if no claims have been submitted.
It is important to carefully review the terms and conditions of the policy while buying it, and to contact the insurance provider if you have any questions or concerns. If you need to cancel your policy due to a visa denial, you may need to provide proof of your visa denial to the insurance provider.
11. Can tourists get healthcare in Italy?
Yes, tourists can get healthcare in Italy. Emergency medical services are available to everyone, including tourists, through public hospitals. Tourists can also access private healthcare facilities. However, while public healthcare is generally of high quality, it may involve long waiting times, and private care can be expensive. It is advisable for tourists to have travel medical insurance Italy that covers medical expenses to avoid high out-of-pocket costs for any necessary treatments or medical services during their stay.
Italy Visitor Insurance Reviews
Reviews, Ratings and Experiences from our customers
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"I am always appreciating good business conduct and when I am coming back here for the longer time span."
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"Thank you for your prompt response. Your prompt response will be highly appreciated."
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"Thank you American Visitor Insurance! You went way beyond what I would expect from an insurance company."
Do US Citizens Need ETIAS to Travel to Italy?
US citizens traveling to Italy should apply for ETIAS (European Travel Information and Authorization System).
ETIAS is not a visa, but a pre-travel clearance, similar to the US ESTA (Electronic System for Travel Authorization).
It allows short stays of up to 90 days within a 180-day period for tourism, business, or transit.
The application is completed online and is usually approved quickly.
⚠️ Important: While ETIAS itself does not mandate travel insurance, it is strongly recommended to buy travel insurance for Italy on American Visitor Insurance, as most US health insurance plans do not provide coverage outside USA.
Do US Citizens Need a Visa for Italy?
US citizens are advised to buy travel insurance Italy visa even if it is not mandatory for short travel, it is mandatory only for travel of more than 90 days to Italy and need a travel visa.
Travel insurance with trip cancellation coverage will protect the traveler in the event of trip delay, cancellation of flights, loss of baggage as well as any medical emergency or accident that the US citizen can face while in Italy.
Some US citizens travel insurance plans also have the option of 'Cancel for Any reason' (CFAR) by providing a refund of up to 75% of the trip cost if one cancels the trip for any reason. Having reliable travel insurance will ensure that the travelers can recoup the trip expenses which can be significant in the case of cruises, airline ticketing and hotel reservations should they face adverse circumstances during travel.
Do US Citizens Need a Long Term Visa to Stay in Italy?
US citizens who want to stay in any of the 29 Schengen countries for more than 90 days in a 180 day period need a Long Stay Visa. One of the requirements for this visa is proof of medical insurance with medical expenses coverage up to €30,000 (~USD $34,035 as of May 2025) which is valid during the whole stay in the Schengen countries.
The insurance company should provide a visa letter stating coverage amounts for medical expenses, emergency medical evacuation and repatriation while in Europe (or 'unlimited' if there is no limit of coverage).
American Visitors Insurance offer the best Europe long stay travel insurance for US citizens designed by top US insurance providers. International travel insurance plans vary based on the different coverage benefits offered. Travelers can compare coverage benefits and buy the plan that best fits their coverage needs. Get Quote »
Do US Green Card Holders Need Italian Visa?
Yes, US Green Card holders may need a visa to travel to Italy, if the country of their passport requires a visa for travel to the Schengen countries. Green Card Holders travel insurance for Italy is required while applying for an Italian visa. US Green Card Holders can buy travel insurance to satisfy Italian visa requirements for their visa application on American Visitor Insurance.
Which Is the Best Italy Travel Insurance for US Seniors With Medicare?
US senior citizens with Medicare need international travel insurance as Medicare offers limited or no coverage outside USA.
Travelling overseas involves risks especially for older travelers and costs of medical evacuation and health care outside the United States is expensive.
Buying Medicare Supplemental International Travel Insurance coverage for older US travelers is strongly recommended.
🌏 GlobeHopper Travel Insurance for Older US Travelers Visiting Italy
US citizens should realise that Medicare and its supplements provide very little coverage outside US borders.
There is a travel health insurance plan specifically designed for older American travelers.
Indianapolis based International Medical Group (IMG) offers GlobeHopper Senior an affordable overseas travel medical insurance option for US citizens and US permanent residents 65 years and older.
The GlobeHopper Senior plan is available either as
Provides $1 million coverage up to the age of 79 years
Provides $100,000 coverage for travelers 80 years and older
Includes $2,500 cover for sudden unexpected recurrence of a pre-existing condition
Includes $25,000 coverage for emergency medical evacuation
Travel Health Insurance for Italy Visa
Italy is one of the world’s top travel destinations, attracting nearly 50 million visitors annually for its art, cuisine, history, and culture. From the ancient ruins of Rome, the canals of Venice, and the Renaissance treasures of Florence to the fashion capital Milan and the scenic Lake Como, Italy offers unforgettable experiences.
It is important for international tourists to buy travel insurance for Italian visa to help them in the event of an unforeseen medical emergency. At American Visitor Insurance we offer popular Italian Visa Travel Insurance plans designed by known US insurance providers.
The tools that we have developed on our website helps tourists compare different insurance plans based on price as well as benefits offered. The Frequently asked questions sections brings transparency and explains different facets of the insurance coverage. These tools help customers make an informed objective decision while buying travel insurance for Italy trip.
What Does Travel Insurance for Italy Visa Usually Not Cover?
Travel health insurance for Italy visa usually provides coverage for injury, sickness and unplanned medical expenses, emergency medical evacuation, and repatriation of remains in case of death. However, there are certain situations and items that are not covered by Italian Schengen Visa insurance. These include:
1Pre-existing medical conditions Schengen Visa insurance usually excludes or provides limited coverage for any medical conditions that existed prior to the start of the policy. This means that if you have a pre-existing medical condition, any medical treatment related to that condition may not be covered.
2Treatment for chronic illnesses Most Schengen Visa medical insurance plans do not cover ongoing treatment for chronic illnesses, such as diabetes or heart disease. These conditions are generally excluded from coverage, so if you require ongoing treatment for a chronic illness, you may need to look for a specialized insurance policy.
3Non-emergency medical treatment Schengen travel insurance is designed to cover medical emergencies and unexpected illnesses. It typically does not cover preventive care such as routine medical check-ups, vaccinations, or elective treatments.
4Extreme sports and adventure activities Many Schengen Visa health insurance policies exclude coverage for extreme sports and adventure activities, such as bungee jumping, skydiving, or scuba diving. If you plan to participate in these activities during your trip, you may need to buy additional coverage.
5Mental health conditions Schengen visa insurance generally do not cover mental health conditions, such as depression or anxiety. If you require treatment for a mental health condition during your trip, you may need to seek out specialized coverage.
Best US Travel Insurance companies for Schengen Visa insurance
You can find reliable Schengen visa insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Trawick International insurance.