Travel Insurance Direct

Travel Insurance for Italy

Before you embrace La Dolce Vita, consider getting a policy with Travel Insurance Direct

Why should I consider travel insurance for Italy?

Pizzerias and gelato shops for days, historic cities that have stood for centuries, breathtaking Renaissance architecture and some of the world’s most visited landmarks, it’s little wonder why Italy is a must-visit for travellers the world over. However, with severe weather, industrial strikes and the threat of pasta related mishaps there’s a lot that can go wrong on your adventure. TID has cover available for the 'What ifs' of travel to Italy.

What are the benefits of TID travel insurance?

Whether you're planning a romantic getaway to Rome or a scenic road trip through Tuscany, this guide will come in handy if you are considering obtaining travel insurance and deciding what would provide you with peace of mind while exploring beautiful Italy

Often, medical expenses may be the number one reason to add travel insurance to your packing list, but sometimes other things can go wrong, such as trip cancellations, unexpected flight delays, lost or stolen luggage or even the big stuff like natural disasters and those pesky pandemics.

TID travel insurance coverage includes:

Best time to travel to Italy

Italy is temperate year-round, but with 62 million travellers converging on its shores each year, it’s worth knowing when to avoid the crowds, set sail on the Mediterranean and meander leisurely through the wineries.

  • Avoid the crowds: October through April are the quietest times, and many major attractions will have much smaller crowds. It’s worth noting that some hotels do opt to close during the colder months so consider that when planning.
  • Peak times: like most of Europe, Italy is a tourist mecca during the summer months (June-August), so if crowds aren't your jam, it's probably best to avoid the major cities at this time. 
  • Sail through the Med: just before or after the summer months (April-May, October-November) are the best times. Not only will you avoid the peak prices you’ll also avoid the huge crowds and snap better shots of picturesque Sorrento and Capri.
  • Visit the wineries: grape harvest time (September-October) is the best time to sip. While harvesting dates vary, at this time vineyards are generally full of fruit and the landscape everchanging.

To ensure you don’t get caught short no matter your travel schedule, keep up to date with TID’s Travel Alerts & Warnings.

Traveller tip:  Are you planning to cruise the streets of Napoli on a scooter? Carving up the ski slopes in Cervinia? Or planning to party at a festival or a destination wedding? Make sure you read the fine print on your PDS as you may need to upgrade your policy, or you may not be covered if you don’t stick to the guidelines of your specific policy.

Get a quote to get your Italian holiday underway today.

What can travel insurance cover me for in Italy?

Here are some of the cover benefits available with your policy.

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Don't like medical bills?

Compensation for unforeseen medical expenses incurred whilst on an overseas holiday

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Unexpected cancellation?

Insurance if you have to cancel your trip due to unforeseeable events outside of your control (e.g. sudden illness).

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Airline cancelled flight?

If your flight is cancelled by the Airline for operational reasons we cover the reasonable cost of meals and accommodation.

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Taking luggage with you?

Cover if your luggage is stolen, permanently lost or accidentally damaged due to circumstances outside of your control.

Compare all benefits
This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

Choose a plan that suits your holiday.

Just like choosing the perfect destination for your next getaway, selecting a travel insurance plan to suit your needs may be just as important. We have four plans to choose from, each offering a different level of cover. Check out each of the plans below where you'll find loads of information about each one.

The Works

Our most popular and comprehensive plan, the Works offers broad cover for international trips including unlimited cover for costs such as medical expenses and cancellation as well as added benefits.

The Basics

Sticking to a shoestring budget? Our budget plan is designed for travellers who want coverage for all the important things, like hospital bills and stolen luggage, without breaking the bank.


Are you a frequent flyer? If you travel often for business, or have a few holidays coming up, our Annual Multi Trip plan could be for you. Made for globetrotters, your trips can be up to 35 days in duration and there is no limit to the number of trip you can take during a 12 month period.

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

Italy travel insurance FAQs.

Can travel insurance cover my flight cancellation if there is an airline strike in Italy?

Yes, cover is available under your chosen TID policy for the cost of rearranging your trip as a result of corporate takeover or strike that results in your flights being cancelled. To be covered, you must have purchased your policy – The Basics, Works, or Annual Multi Trip - before the event was known.
Refer to the Product Disclosure Statement for further details.


If I’m travelling to Italy which has a Reciprocal Health Care Agreement (RHCA) with Australia, why do I need travel insurance?

The most obvious reason is that you need travel insurance to cover all the non-medical stuff. Your luggage items, your additional or cancellation costs, and other benefits. However, there may be some small amount of medical expenses, as many RHCAs don’t cover pharmacy costs, physiotherapy and similar outpatient expenses. Also, in a terrible scenario, an ambulance may take you to a private hospital if it’s the closest facility, in which case you may end up with a big medical bill despite the RHCA. Currently Belgium, Finland, Italy, Malta, the Netherlands, New Zealand, Norway, Republic of Ireland, Slovenia, Sweden and the United Kingdom have RHCA with Australia. For an updated list please check the Australian government's Department of Human Services website.


I’m renting a car in Italy, how to do I ensure my travel insurance covers the car rental excess?

The Works, The Basics and Annual Multi Trip policies offered by TID automatically offer cover for rental vehicle insurance excess. The default cover is $6,000. See the PDS for further details.

The above features and benefits are a summary of cover only. Cover is subject to the full terms, conditions, limitations and exclusions outlined in the Product Disclosure Statement.

Find out more about travelling to Italy

Want to head to Sicily with the family? This is how it's done.

Want to head to Sicily with the family? This is how it's done.

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How to enjoy a Italian getaway in Tuscany on a budget

How to enjoy a Italian getaway in Tuscany on a budget

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