Italy Travel Insurance for Schengen Visa2026Planning a trip to Italy? Get Schengen-compliant travel insurance approved for Italy visa applications.
Buy instant travel insurance online starting at just $1 for a day.
Yes. Travel insurance for Italy is mandatory if you are applying for a Italy visa. Your policy must meet Italy visa travel insurance requirements, including:
If you do not need a visa, travel insurance is optional but still highly recommended due to potential high medical costs for foreigners.
Before traveling to Italy, it is necessary to buy Schengen visa travel insurance to meet the Italy visa requirements.
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 the travel insurance online to get the visa letter to submit to the Italy consulate for your visa application.
Once your Italy travel insurance is purchased, you will receive the
Insurance details with the toll-free number
Virtual ID card - a digital insurance card you can access instantly on your phone—no physical card required.
Instant Italy visa insurance letter for your visa application, which serves as proof of coverage
Travelers who need a Italy visa should buy travel insurance satisfying Italy 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.
Schengen visa insurance satisfies consulate requirements.
Emergency medical evacuation expenses to nearest available facility if needed.
Covers emergency medical expenses for accidental injury or illness.
Offers coverage for repatriation of remains expenses to home country in case of death.
Travel insurance offers coverage for acute onset of pre-existing conditions.
Avoid these common errors that lead to Schengen visa rejections:
Schengen rules require minimum €30,000 medical coverage (approx. $50,000) (this includes emergency medical treatment & repatriation). Travel insurance for Europe policies with lower coverage than this €30,000 are automatically rejected.
The travel insurance must be valid in all 29 Schengen states. Some travelers buy country-specific insurance (e.g., only for Germany), which is not accepted in the Schengen states consulates.
The Europe travel insurance policy must match the correct entry and exit dates. If your travel insurance for Europe ends even 1 day earlier than your return ticket, your Schengen visa application can be refused.
Some cheap travel for Europe plans exclude repatriation (return of remains in case of death) or exclude pre-existing emergency treatment. Schengen visa officers check for these exclusions carefully.
Consulates prefer international insurance companies that are well recognized in the Schengen region. Unfamiliar or unapproved providers may cause rejection.
Some travelers submit “dummy” insurance and cancel it after printing. Consulates cross-check this data, and if invalid, the visa is denied and can even lead to a travel ban.
Even a 1–2 day mismatch between flight booking and travel insurance validity can lead to rejection. It is recommended to add a buffer day before arrival and after departure.
Sometimes applicants forget to attach the Schengen visa compliant Travel insurance certificate with the application. Only payment receipt is not enough—you need the official Schengen visa travel insurance confirmation letter.
Schengen-compliant medical coverage
Balanced coverage for Europe travel
Starting at $10/week*
Learn More »Starting at $18/week*
Learn More »* Prices shown are indicative for a 7-day trip, $50,000 coverage, $0 deductible, 30-year-old traveler.
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
| Insurance Plans | Provider Network | Cost | How to download Schengen Visa letter |
|---|---|---|---|
| Atlas International | No PPO | $8 | WorldTrips insurance ID cards via Client Zone |
| Patriot International Lite | IPA Network | $10 | IMG insurance ID cards from My IMG |
| Atlas Premium International | No PPO | $11 | WorldTrips insurance ID cards via Client Zone |
| Travel Medical Global Choice | Wellabroad.com | $11 | Seven Corners insurance ID cards via Client Zone |
| Safe Travels International |  |
$15 | Trawick International insurance ID cards via Client Zone. |
Source: American Visitor Insurance ®
Review Schengen Visa insurance plan benefits.
Travelers with existing health concerns often need more than basic Schengen visa insurance.
Travelers can easily compare these best Schengen visa insurance for pre-existing conditions and choose the option that best fits their medical needs and budget.
To get a certificate showing you have travel insurance when applying for a Schengen Visa, follow these steps:
#1 Policy Maximum is the maximum eligible medical expenses that the plan will cover.
#2 Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.
#3 Europe travel insurance for US residents Click here to read more »Severe food poisoning while exploring street food markets. Insurance covers hospital treatment and medical expenses without financial stress.
A broken leg during a winter ski trip. Coverage includes surgery, hospitalization, and medical evacuation if needed.
Delayed luggage during transit. Insurance reimburses essential clothing and toiletries.
Flight canceled due to heavy snow. Trip cancellation coverage reimburses hotel stays and rebooking fees.
Sudden toothache requiring urgent treatment. Emergency dental costs are covered.
Mandatory hotel quarantine after a positive test. Insurance helps cover medical consultations and quarantine expenses.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
See what travelers are saying about their insurance experience for Italy. Real reviews from real visitors.
"I am always appreciating good business conduct and when I am coming back here for the longer time span."
"Thank you for your prompt response. Your prompt response will be highly appreciated."
"Thank you American Visitor Insurance! You went way beyond what I would expect from an insurance company."
To apply for a Schengen Visa to Italy, follow these steps:
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.
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.
Insurance for older travelers for visiting the Schengen countries
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.
The cost of Italy health insurance for travelers depends on the following:
Get a discount on the Best Group Travel Insurance for Italy
| Visa Type | Description | Duration / Notes | Subtypes (if any) |
|---|---|---|---|
| Schengen Visa (Type C) | Short-term visa for travel and stay in Italy and the Schengen area. | Up to 90 days within a 180-day period | Single-entry, Double-entry, Multiple-entry |
| National Visa (Type D) | Long-stay visa for stays in Italy exceeding 90 days. Issued under national legislation. | Long-term; Examples: student visas, work visas, residence permits | None |
| Airport Transit Visa (Type A) | Allows transit through the international transit area of Italy airport without entering the country. | Required for certain citizens connecting through Italy to a non-Schengen destination | None |
| Transit Visa (Type B) | Allows transit through Italy to reach a final destination outside the Schengen area. | Valid for a maximum of 5 days | None |
US citizens traveling to Italy should apply for ETIAS (European Travel Information and Authorization System).
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.
Travel Insurance for Italy from USA »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 $35,000 as of February 2026) 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 »
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 a Italy visa. US Green Card Holders can buy travel insurance to satisfy Italy visa requirements for their visa application on American Visitor Insurance.
The GlobeHopper Senior plan is available either as
Coverage: 5 days to 365 days
description Plan details | picture_as_pdf Brochure | shopping_cart Buy onlineCoverage: 12 months total, up to 30 days per trip.
description Plan details | picture_as_pdf Brochure | shopping_cart Buy onlineItaly 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.
General Information About Italy
Rome, the capital of Italy, home to the Colosseum, Vatican City, and timeless ruins, attracts millions of visitors each year.
A romantic city of gondolas, canals, St. Mark’s Square, and historic palaces, famous for its art and unique charm.
Renowned for the Duomo, Uffizi Gallery, and Michelangelo’s David, it’s a hub of art, history, and Tuscan culture.
| City | Airport Name | IATA Code |
|---|---|---|
| Rome | Leonardo da Vinci–Fiumicino Airport | FCO |
| Milan | Malpensa Airport | MXP |
| Venice | Marco Polo Airport | VCE |
| Bologna | Guglielmo Marconi Airport | BLQ |
| Naples | Naples International Airport | NAP |
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 Italy Schengen Visa insurance. These include:
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 condition, any related treatment may not be covered.
Most Schengen Visa medical insurance plans do not cover ongoing treatment for chronic illnesses such as diabetes or heart disease. Travelers needing long-term care should look for specialized insurance coverage.
Schengen travel insurance is designed for emergencies. It typically does not cover routine check-ups, vaccinations, or elective procedures.
Many Schengen Visa health insurance plans exclude coverage for high-risk activities such as bungee jumping, skiing, or scuba diving. If you plan to join such activities, consider additional adventure sports coverage.
Most Schengen Visa insurance policies do not include coverage for mental health conditions like anxiety or depression. Specialized plans may be needed for such care while abroad.
Cheapest travel insurance for Schengen visa insurance FAQs.
Know more »Best Schengen Visa Insurance Blogs, Articles & Complete Travel Guides
Know more »Travel insurance for Schengen visa, Schengen insurance forum.
Know more »Tourism and travel insurance information for visiting Schengen countries.
Click here to read more »Vacation and travel insurance information for US citizens visiting Europe.
Click here to read more »Insurance Information for Long term Europe Visa.
Click here to read more »Tools to find the best Schengen visa travel insurance.
Click here to read more »