Booking Secure Insurance covers all residents of the Schengen Treaty countries:
Austria, Belgio, Bulgaria, Cipro, Croazia, Danimarca, Estonia, Finlandia, Francia, Germania, Grecia, Irlanda, Islanda, Italia, Lettonia, Lituania, Lussemburgo, Malta, Norvegia, Paesi Bassi, Polonia, Portogallo, Regno Unito, Rep. Ceca, Romania, Slovacchia, Slovenia, Spagna, Svezia, Ungheria, Svizzera.
Participants residing in countries not included in the list above are excluded from this coverage, and should make arrangements to have their own Travel, Health & Accident insurance.
All participants to NGNM events should have their own Liability Insurance, as this insurance doesn't include liability coverage.
INSURANCE PACKAGE SUMMARY
Specific for each service
Reimbursement of medical Expenses
For EEA residents travelling within Italy the limits apply
Up to 4.000/person
0% in the event of death or hospitalisation for over 3 days, 15% all other cases. In case of non-contextual issuance (but in any case before the 45 days prior to trip start) the excess is increased to 20% in all cases.
Interruption of the stay
Age Limit: This policy cover is available to persons under the age of 90.
Territorial Validity: This policy cover is valid for destinations within Italy.
Maximum Policy Term: This maximum term of this cover is those dates indicated in the travel policy document. In any case trips may only last up to 30 days from the departure date of each trip.
Check Ergo Insurance documentation at this link.
1. Contract Stipulation Procedures Timelines
This insurance cover runs from the moment the Policyholder enters into the contract. Said contract must be stipulated on book ing or purchasing the tourist service, or in any case not within the 45 days prior to beginning of the stay. Policyholders must re ad the Terms and Conditions of the Policy carefully.
2. Persons eligible for cover
This policy provides cover for persons: x resident in the Europe an Union or EEA; For EEA residents traveling within Italy the limits apply x with the appropriate legal powers on signing up for this policy; x below the age of 90 (the policy is still valid for persons that reach said age during the term of the contract).
3. Persons not eligible for cover
This Policy does not provide cover for persons suffering from AIDS, alcoholics, drug addicts and those suffering from the following mental illnesses: organic brain syndromes, schizophrenia, paranoia and forms of manic depression. That set out in art. 1898 of the Civil Code shall be applied if one or more of the aforementioned illnesses arise during the course of the Contract;
Persons not domiciled or not resident in the EEA are not eligible for cover.
4. Start Date and Validity
Services and insurance cover come into force and are valid: x for all guarantees: from the time and date indicated in the travel document; extending up to a maximum of 5 days beyond the expiry date should the return journey be delayed due to causes not attributable to the Policyholder x If the insurance premium has been paid. The Company refuses any liability resulting from delays or impediments arising whilst providing the relative services if due to circumstances beyond its control.
This Insurance covers trips to Italian destinations and lasting up to a maximum of 30 days.
6. Insurance Cover offered
The Insurance Cover provided is that set out in the General Terms and Conditions of the Policy described hereunder according to the type of product chosen by the Policyholder and indicated in the Policy Certificate.
7. Making a Claim Requesting Assist ance and Policyholder Obligations Management of the request for assist ance In case of requests for Medical Assist ance while traveling, the Insured person or whoever on his/her behalf, before undertaking any initiative, must immediately contact the Assistance Platform using the reference number indicated below, communicating the type of assistance requested, as well as his personal data, address and phone number from where he is calling, to allow the Centre to contact him/her and follow up on the request for assistance. The insured person must follow the instructions received. The Company reserves the right to refund if due up to an amount equivalent to the costs the Contact Centre would have sustained if it had been informed in time and thus able to manage and negotiate the case directly in the event of the Policyholder's unjustified default.
9. Right of withdrawal
The Insured may exercise his or her right to withdraw from the insurance cover by sending a notice to the Company within 10 days from the date of issue of the policy and/or payment of the premium and in any case no later than the date on which the policy takes effect. The Company acknowledges the reimbursement of the premium net of insurance taxes and on a pro rata temporis basis with respect to the risk incurred.
General Terms and Conditions of Insurance
The following general terms and conditions apply to all Sections of the Travel Policy offered by ERGO Reiseversicherung AG.
Insured subjects are those natural persons resident or domiciled in the EEA, below 90 ye ars of age and indicated in the travel document. Said insurance policy remains in force until its expiry date for those re aching said age during the term of the contract. For EEA residents traveling within Italy the limits apply
2. Validity, commencement and expiry of the contract
Benefits and insurance cover shall commence and shall be valid:
a) for the specific trip indicated in the travel documents, in relation to tourist services offered by the Organizer
b) for journeys undertaken for tourism, study or business purposes;
c) within the limits of the funds and services of the place where the event occurred, provided that this is included in the macro are a of destination for which the policy was issued.
d) For the Trip Cancellation guarantee from the date of issue of the policy until the moment the trip begins, with the first tourist service provided by the Policyholder; e) For Medical Assistance and Medical Expenses guarantees from the moment the first service provided by the travel contract begins until the moment the last formality provided for in the travel contract itself is completed, but in any case no later than 30 days from the date of commencement of the trip; the insurance extends beyond the expiry date - up to a maximum of 5 days, only if the scheduled date of the trip is delayed for reasons not dependent on the Insured; In accordance with art. 1901, subsection 1, of the Civil Code, this insurance comes into force on the date indicated in the policy, if the premium has been paid, otherwise it comes into force at midnight on the payment date. In the event of a claim the Company is released from providing any services should the premium result unpaid for reasons attributable to the Contracting Party.
4. Changes to the policy - Form of communications
Any communication from the Insured, with the exception of prior call to the Operation Center, must be made in writing. Any changes to the insurance must be proved in writing.
5. Exclusions common to all Guarantees
This insurance cover excludes all compensation, services, consequences and/or events resulting directly or indirectly from:
a) Reasons or causes that have already arisen on stipulating the policy or that were reasonably foresee able;
b) Causes and events that are not appropriately documented.
c) Unlawful or malicious behavior (whether committed or attempted) or due to carelessness or gross negligence; suicide or attempted suicide, self harm or intentional exposure to danger (except in an attempt to save lives);
d) Any chronic or pre-existing or pre-existing medical condition (relating to illness or injury) which has been the subject of medical consultation or examination and/or treatment or which has occurred and/or has been contracted prior to the booking of the trip (excluding de a th);
e) Psychological and psychological disorders in general, neurosis, psychiatric, neuro-psychiatric, nervous or mental illnesses, states of anxiety, stress or depression psychological re action resulting from fear (e.g. an act of war, popular uprising, act of terrorism, plane crash);
f) Intoxications, illnesses and injuries resulting from alcohol and psychotropic drug abuse as well as from the non -therapeutic use of drugs, hallucinogens or other substances not prescribed by a doctor, alcohol and drug addiction, HIV-related illnesses, acquired immune deficiency syndrome (AIDS);
g) Diseases dependent on pregnancy, beyond the 26th week of gestation and puerperium. Threat of abortion in the event of carelessness or malice on the part of the insured. Voluntary termination of pregnancy, assisted reproduction and related complications; non-premature birth; treatment for infertility or impotence; h) Acts of recklessness or dangerous sporting activities. For the purposes of this policy, sports will be grouped as follows, de pending on the level of dangerousness.
Group A: athletics, gym activities, cycling, curling, trekking, jogging, ball games, beach games and camping activities, kayaking, swimming, orienteering, paddle surfing, fishing, snowshoeing, segway driving, hiking, snorkeling, trekking under 2,000 meters above se a level and activities with similar characteristics.
Group B: mountain biking, shooting, skiing, snowboarding, cross-country skiing, jet skiing, snowmobile as a passenger, tobogganing and bob sleighing if used within the skiable are as, mountaineering with climbs up to the 3rd degree carried out in groups, sailing, skating, river canoeing within the 3rd degree, Tibetan bridge, 4x4 routes as a passenger, survival, surfing and windsurfing, trekking between 2. 000 and 4,000 meters above se a level, dog sledding, equestrian tourism, diving and underwater activities at a depth of less than 20 meters (in the presence of the prescribed qualification or with the assistance of a qualified instructor) and activities with similar characteristics.
Group C: heavy athletics, canyoning, horseback riding, sport climbing, diving and underwater activities at a depth of more than 20 meters (in the presence of the prescribed qualification or with the assistance of a qualified instructor), river canoeing above the 3rd degree, sport climbing, fencing, caving at a depth of less than 150 meters, water skiing, acrobatic and extreme skiing, off-piste skiing, ski mountaineering, bobsledding, freestyle skiing, trampoline jumping, fly surfing, hydro bob, hydro speed, kitesurfing, canoeing, quads, river rapids (rafting), abseiling, bungee jumping and activities with similar characteristics.
Group D: activities developed at more than 4. 000 meters above sea level, martial arts, climbing or aeronautical routes, indoor climbing, tobogganing and bob sleighing when used outside skiable are as and on slopes, boxing, speed or endurance racing, American football, track cycling, road cycling, cyclocross, wrestling, motorcycle sports, mountaineering with climbs up to the 3rd degree carried out individually and in addition to the 3rd degree carried out in groups, classic climbing, full climbing, ice climbing, cave diving, caving over 150 meters deep, caving in virgin abysses, speedboat, polo, rugby, trial, skeleton, a erial sports in general (parachuting, paragliding, hang-gliding), driving sledges, snowmobiles and jet skis.
The benefits of the guarantees of this insurance will extend only to the activities of groups A and B.
Under no circumstances will participation in sporting competitions be covered, including the related trials and training, unless they are of a recreational and occasional nature and are carried out under the aegis of sports federations.
i) Sporting activities carried out in a professional capacity
j) Missions/business trips involving: x the performance of activities mainly of a manual and/or manufacturing nature and/or with the aid of mechanical or industrial tools and machinery; x the transport and/or supply of weapons, vehicles, materials, instrumentation, equipment or any goods having as recipients subjects participating in war operations of any nature and purpose;
k) Hunting practice; possession of weapons and ammunition, even if provided with appropriate licenses and authorizations;
l) Extreme travel in remote are as reachable only by special means or where situations of armed conflict, hostility, invasion, acts of foreign enemies, war, civil war, rebellion, revolution, insurrection and riots, martial law, military or usurped power or attempted usurpation of power persist;
m) Acts of sabotage, vandalism or terrorism in general, including the use of any kind of nuclear or chemical device;
n) Events resulting from transmutation of the atom, ionising radiation or radioactive contamination or from chemical-biological or bacteriological contamination, pollution of the air, water, soil, subsoil, or any environmental damage.
o) Natural disasters and other disturbances of nature, earthquakes, floods, tornadoes, volcanic eruptions, atmospheric phenomena having the characteristics of natural disasters;
p) Strikes and related events and manifestations;
q) Bankruptcy of the Carrier, travel agency, Tour Operator or one of the suppliers of the booked services;
r) Loss, destruction or damage directly caused by pressure waves from any aircraft or other flying object traveling at or above the speed of sound;
s) Claims occurring while the Insured is in, boarding or exiting any aircraft, except as a paying passenger of a n aircraft with a regular passenger transport license;
t) Quarantine. Any pandemic (declared by the WHO) of such severity and virulence as to le ad to high mortality or to require restrictive measures in order to reduce the risk of transmission to the population. It is confirmed, however, that the Pandemia exclusion does not apply to Assistance and Medical Expenses benefits related to Covid 19 infection contracted by the Insured and arisen during the trip. u) Failure to comply with the provisions of Law No 269/1998 against the exploitation of prostitution, pornography and child sex tourism as new forms of enslavement.
6. Delimitations and legal effect and indemnity
6.1 - Fraud and gross negligence on the part of the Insured: the Company is not obliged to pa y compensation for claims caused by fraud or gross negligence on the part of the Policyholder and the Insured, as provided for in art. 1900, paragraph 1, of the Italian Civil Code.
6.2 - If the Insured does not benefit from one or more services and/or guarantees, the Company is not obliged to provide compensation or alternative services of any kind by way of compensation.
6.3 - The Company cannot be held responsible for:
i. delays or impediments in the execution of the agreed services due to force majeure or to dispositions of local, national or foreign authorities;
ii. errors, misunderstandings or any other type of inaccuracy occurred in the execution of the agreed services and which have compromised in whole or in part the usefulness of the latter if this is due to inaccurate communications received from the Insured or facts attributable to the same;
iii. refusal to provide services if, objectively or in the opinion of their doctors, they are not necessary.
6.4 - Sanctions and Embargo Clause: This insurance and the relative coverage, including the fulfillment of claims payment or the payment of any benefit or service, are guaranteed only and exclusively if not in contradiction with embargoes or economic, commercial and financial sanctions implemented by the Europe an Union, the Italian Government or any other international body in charge, where applicable also to the Policyholder and the Insured of this policy.
7. Policy Limits
It is forbidden to stipulate more than one ERGO Assicurazione Viaggi policy to guarantee the same risk in order to increase the capitals insured of the specific product guarantees or extend the period of cover of a risk (trip) already in progress.
8. Reporting a Claim and subsequent Policyholder Obligations
Policyholders must report claims to the Company by phone and in writing according to those methods provided in the contract. Moreover, Policyholders must do whatever is possible to avoid or reduce the damage, in accordance with art. 1914, subsection 1, of the Civil Code. Policyholders acknowledge their obligations as set out in the Policyholder Obligations Section.
9. Right of Recourse
The Company has the right of recourse versus liable third parties in accordance with art. 1916 of the Civil Code.
10. Increased/Reduced Risk
10.1 - The Contracting Party/Policyholder must inform the Company in writing of any increased risk. Increased risks not communicated or not explicitly accepted by the Company may result in the loss, in whole or in part, of the right to the relative services, as well as the loss of those guarantees provided for in the policy, in accordance with art. 1898 of the Civil Code.
10.2 - "War Zone" Clause - Reduction in Limit of Liability, Accumulation Limit and Policyholder Obligations:
In the event that the Policyholder's destination is the subject of sudden episodes of armed conflict, hostility, war, civil war, rebellion, revolution, uprising a nd riots, martial law and usurpation of power, even following the Contracting Party/Policyholder stipulating this policy, following an increase in the risk:
a) the limits of liability of the various services, for events linked to the aforementioned episodes, are reduced as follows:
- Assistance: up to a maximum of €5,000, unless a lower limit of liability is already set out in normal situations;
- Medical Expenses: up to a maximum of €5,000, unless a lower limit of liability is already set out in normal situations;
- Injuries: up to a maximum of a €10,000, unless a lower limit of liability is already set out in normal situations;
- Baggage: up to a maximum of € 300 unless a lower limit of liability is already set out in normal situations. In addition, an accumulation limit for increased risks of € 50,000 per event is set up; compensation due shall be proportionally reduced on individual Contracts stipulated so that their sum does not exceed that due according to those permitted limits set out herein should the capitals insured overall exceed the aforementioned amounts.
b) Policyholders that have already left must contact the Company immediately and do their best to le ave the Country within 10 days of the area being declared an "area of conflict". This policy is no longer valid after said term.
The Declaration issued by the competent Italian Authorities, which involves the prohibition to travel or stay of the insured person at the place of destination for reasons related to the diffusion of Covid19, represents a circumstance of aggravation of the risk after policy issuance. Consequently, if the Insured Party is already traveling to the place of destination, he must contact the Company and make every effort to le ave the place of stay within 14 days from the date of the Declaration itself. The present policy shall automatically cease to produce its effects at 11:59 p.m. on the 14th day following the date of the aforementioned Declaration and, after the expiry of this term, no insurance cover shall be provided or recognized by the Company.
11. Declarations relating to the circumstances of the risk
Inexact or reticent declarations or the Contracting Party's or Policyholder's reticence as to the circumstances influencing risk valuation may result in the loss, in whole or in part, of the right to assistance or compensation, where provided for, as well as termination of th e insurance in accordance with articles 1892, 1893 and 1894 of the Civil Code.
Premium installment payment rights expire in two years of the individual expiry dates (1882 and following articles). The other rights, in accordance with art. 2952 of the Civil Code, resulting from the insurance contract (1882 and following articles) expire in two ye ars of the event the right is based on, the assistance and/or compensation, taking place. In the case of Civil liability insurance, the annual term runs from the date the damaged third party requested compensation from the Policyholder or took legal action against the aforesaid.
13. Changes to the insurance, clauses or special agreements. Policyholder communications
Any changes to the insurance must be proven in writing.
All Policyholder communications must be sent to the Company by means of registered letter with advice of receipt to be valid .
14. Other insurances
Policyholders must inform the Company in writing of the existence and subsequent stipulation of other insurances for the same risk. In the event of a claim, Policyholders:
a) must inform all insurers, indicating to each, the name of the others, in accordance with article 1910 of the Civil Code;
b) undertake to firstly request compensation from the other insurers, it remaining understood that the Company shall integrate, if necessary, that paid by the other insurers.
15. Insurance Operation
This insurance acts as additional cover should the Policyholder hold another/other insurance /s covering the same risk. This insurance will cover that part of the damages and compensation or reimbursements not covered by the limits of liability set out by any other policies, up to the limits of liability provided for in should this insurance act as additional cover.
16. Tax System
Those rates set out in the regulations in force shall be applied to this insurance contract, if due.
17. Applicable Law and reference to the regulations in force
This insurance is governed by Italian law. The regulations in force stand for all that not regulated herein. All disputes relating hereto shall be submitted to the Italian Courts.
A.1 - Travel Assistance
1. Object of the insurance
The Company, in case of illness or injury of the Insured during the trip and within the limits of the capitals indicated in the Insured Capital Table, makes available, through the Operation Center, the services listed below:
1.1 - Telephone Medical Advice
Telephone service that can provide medical indications and/or advice, as well as ascertain, in agreement with the treating physicians, the state of health of the Insured, in order to assess the provision of the contractually provided assistance services. The service does not provide dia gnosis and is based on information provided remotely by the Insured.
1.2 - Arranging a visit to a specialist
If it is deemed necessary to subject the Insured Party, due to his or her state of health, to a specialist examination, the Company shall provide - subject to local availability - the name and address of a specialist doctor or a suitable facility in the nearest place to the place where the Insured Party is located. Any costs incurred shall be borne by the Company according to the maximum Medical Expenses indicated in the Table of Insured Capital.
1.3 Sending of a doctor within Italy
If the medical service of the Alarm Center deems a medical examination of the Insured to be necessary and cannot be postponed, the Alarm Center will send a general practitioner agreed on the spot, or if a doctor is not immediately available, it will organize the transfer of the Insured by ambulance to the nearest first aid center, bearing the costs up to the maximum amount indicated in the Table of Insured Capital.
1.4 - Transport/Medical Repatriation
In the event of illness or injury arising during the trip that le ads to infirmity or injuries that cannot be treated locally or that prevent the continuation of the trip, the Company - following contact with its Operations Centre, in operation 24 hours a d ay and after receiving medical documentation issued on site certifying the nature of the pathology - organizes, according to the seriousness of the case and in order to ensure adequate treatment for the pathology in progress: - the transport of the Insured Party to the medical centre for first aid or first admission and from there - if necessary - to a better equipped medical centre, with the most suitable means (the use of the medical plane is limited to local movements) WARNING: in case of emergency, the Insured must contact the official rescue authorities. Under no circumstances may the Company replace or constitute an alternative to the public he alth emergency service. - the medical return of the Insured Party from the medical centre in which he or she is hospitalised to his or her home or to a suitable hospital centre for the continuation of treatment in the place of residence be aring the cost of the service. Medical transport and return is carried out by prior agreement with the treating doctors, with the possible accompaniment of medical and/or paramedical personnel, if the conditions of the Insured make it necessary and with the use of the means deemed - at the unquestionable discretion of the Company - more suitable. Such means may be: - Medical airplane - airliner, if necessary, stretchers - train n first class and, where necessary, sleeping car - ambulance, without mile age limits - any other means deemed appropriate - The return from non-Europe an countries, with the exception of those of the Mediterranean Basin and the Canary Islands, is carried out exclusively by economy class scheduled airplane, possibly with stretchers.
Benefits are not due:
- For infirmity or injuries that can be treated locally, and which do not prevent the Insured from continuing his journey or stay
- In the event that the Insured Party or his/her family members voluntarily resign against the opinion of the medical staff of the facility where the Insured Party is hospitalized.
1.5 - Repatriation of the convalescent
Policyholder If the Insured is convalescing and is unable to return to his/her home on the date and/or by the means initially foreseen, th e Company shall organise and bear the costs for his/her return to his/her home, by the most suitable means (excluding medical plan es), bearing the costs up to the maximum indicated in the Table of Insured Capital. The guarantee is extended to a travel companion, provided that he is insured with the Company, and operates only if the insured is unable to use the travel documents in his possession.
1.6 - Repatriation of travelling companion
- Transport or medical return of the Insured organized by the Company
- Death of the Insured Party while travelling The Company directly organizes and bears the costs up to the maximum amount indicated in the Insured Capital Table, for the return of a maximum of three travel companions of the insured, provided that they are themselves insured with the Company. The benefit is provided if the insured persons are unable to use the travel documents in their possession.
1.7 - Travel Expenses for a Family Member
In the event of death of the Insured Party or hospitalization of the same with a prognosis of more than 5 days (or 24 hours if the Insured Party is a minor or differently abled), the Company organizes and covers the travel expenses (return ticket) and stay of a single family member, within the limits indica ted in the Table of Insured Capital. The service is provided only if no other family member of legal age is present on site.
1.8 - Early re turn If the Insured Party is forced to interrupt the trip prematurely due to the death or hospitalization of a family member with a prognosis of more than 5 days (or 24 hours if the family member is underage or otherwise abled), the Company will organize the costs of early return of the Insured Party to his/her home by a means other than the one initially foreseen, bearing the costs up to the amount indicated in the Table of Insured Capital. The service shall be provided if the Insured is unable to use the travel documents in his possession.
1.9 - Ext ended st ay If the Insured Party is unable to undertake the return journey on the date and with the means of transport originally planned as a result of illness or injury (proven by a medical certifica te), due to the loss or theft of the documents necessary for repatriation (proven by a report to the Local Authorities) or - notwithstanding the provisions of Art. 5 Common Exclusions par. t - as a result of quarantine affecting the Insured Party himself or a travel companion, the Company will reimburse :
a) the costs of prolonging the sta y (overnight stay and breakfast) for the insured party and for a travel companion (provided they are insured), up to the amount indicated in the Table of Insured Capitals.
b) the higher costs incurred if the Insured is unable to return home on the date and/or by the means originally planned, up to the maximum amount indica ted in the Schedule of Insured Amounts. The guarantee is extended to a travel companion, provided that he/she is insured with the Company, and operates only in the event that the insured is unable to use the travel documents in his/her possession.
1.10 - Costs of continuing the trip
In the event that the Insured has interrupted the trip as a result of illness or injury covered by the guarantee, but his state of health - according to the opinion of the doctors at the Operations Centre - has not made repatriation necessary and the duration of the trip has not been completed, the Company shall bear, up to the amount indica ted in the Table of Insured Capital, and within th e limits of the cost of return to the residence, the transport costs of the Insured and a travel companion, to allow them to resume the interrupted trip. Only the Operation Center is authorized to decide on the means of transport to be used for the continuation of the trip.
1.11 Repatriation of the body
Following the death of the Insured Party during the trip, the Company organizes the transport of the body to the burial place in Italy, carrying out the necessary formalities and bearing the necessary and indispensable transport costs, with the exclusion of funeral expenses, burial expenses, and any costs for the recovery and se arch of the body.
1.12 - Home Assist ance of the Insured Party
If the Insured, once back from the trip, needs further assistance at home, the Company shall organize the provision of the services requested and bear the costs of the same up to the amount indicated in the Insured Capital Table.
1.13 - Advance payment for expenses of basic need
Should the Insured Party incur unforeseen expenses resulting from particularly serious and proven events, the Company shall p ay any invoices on site or advance the amount of money required, up to the amount indicated in the Insured Capital Table, against a guarantee that can be provided at home by a third party with immediate coverage of the loan.
1.14 - Refund of Phone Costs
The company reimburses, within the limit indicated in the Insured Capital Table, the documented telephone expenses incurred by the Insured to contact the Operation Center. International roaming expenses incurred following calls from the Operation Center during the assistance phases are also reimbursed.
1.15 - Sending urgent messages If the Insured Party travelling needs to send urgent communications to persons residing in Italy and is unable to contact the m directly, the Company shall send such communications, bearing the relevant costs.
1.16 - Sending urgent medicines
In the event of need caused by an accident or illness, the Company shall seek for the Insured Person who is abroad the medicines essential to his health and not available locally, provided that they are regularly registered and marketed in Italy, and shall send them to him/her as soon as possible, within the limits allowed by the legislation of the country in which the Insured Person is located. The cost of these medicines shall be borne by the Insured Party. If it is not possible to send them, the Company shall provide the Insured with information regarding similar medicines. Treatments in progress before departure are not covered by the guarantee. Contraceptives are not considered medicines.
1.17 - interpreter avail able over the phone
If the insured person staying in hospital requires an interpreter for contact with the tre a ting physicians, the Company organises the service (in English, French, German, Spanish) at its own expense up to the maximum insured amount indicated in the Table of Insured Capital.
1.18 - Obtaining a lawyer and advance deposit abroad
If the insured person is detained, arrested or threatened with arrest during the trip and is unable to pay the bail directly in order to be released:
a) find a lawyer to handle on site disputes involving the Insured directly as responsible for a culpable event attributable to him/her, bearing the costs up to the maximum amount indicated in the Table of Insured Capital.
b) constitutes, in the name and on behalf of the Insured Party and for culpable acts only: - the criminal deposit required to allow its release - any civil security, by way of guarantee of payment for civil liability of the Insured in the production of the claim The Company shall advance the deposit up to the maximum amount indicated in th e Table of Insured Capital. This amount constitutes exclusively an advance, the Insured must therefore designate a person who will make the amount available in a bank account in the name of the Company .
In the event that the deposit is reimbursed by the local authorities, it must be returned immediately to the Company, which in turn will provide for the release of the above restriction.
The guarantee does not apply to facts resulting from the trade or sale of drugs or narcotic substances, as well as the participation of the Insured Party in political demonstrations.
They are excluded:
a) the expenses for the payment of fines, fines and pecuniary penalties in general; b) tax charges;
c) expenses, fees and charges relating to credit recovery disputes, me aning both the cases in which the insured person is a creditor and the case in which he or she is a party to the dispute (debtor);
d) expenses, fees and expenses relating to disputes in administrative, fiscal and tax matters;
e) expenses, fees and charges for disputes arising from the insured party's malicious acts;
f) expenses, fees and charges for disputes relating to inheritance and/or donations;
g) expenses, fees and expenses for disputes arising from the sale and/or exchange of registered re al estate, lan d and movable property;
(h) costs, fees and expenses for disputes arising from rental contracts;
i) expenses for disputes against the Company;
j) expenses for disputes between insured persons (several insured persons under the same contract);
k) registration fees;
j) costs relating to arre ars in rental contracts;
l) expenses arising from the movement of aircraft, boats and vehicles owned and/or operated by the insured;
m) expenses relating to reciprocal relations between shareholders and/or directors and/or company, as well as mergers, transformations and any other operation relating to corporate changes;
n) expenses relating to matters concerning the application of Article 2114 of the Italian Civil Code. ("Compulsory social security and assistance ") and following, as well as disputes relating to the awarding of public contracts;
o) expenses relating to events already excluded in the General Exclusions of the following contract.
1.19 - Search and rescue at sea or in the mountains
The Company shall reimburse, up to the amount indicated in the Table of Insured Capital, search, rescue and recovery expenses relating to operations organized by civil or military rescuers or bodies that are obliged to intervene following the disappearance of the Insured or an injury suffered by them. Only the expenses incurred by the organisations authorised to rescue the Insured and invoiced to the Insured may be reimbursed.
2 - Derogation for pre-existing illnesses
Partially derogating from art. 5 "Exclusions common to all guarantees" of the General Conditions of Insurance, it is established that the services referred to in Section "A.1 - Travel Assistance " are intended to be operative also in case of unexpected relapse of illnesses that are pre -existing at the beginning of the trip. This extension will be valid only after the presentation of the certification issued on site by a health body of Public Aid (hospital, doctor's office) and not by private doctors, which requires the need, or at least the advisability of recourse to the services of assistance.
A.2 - Reimbursement of Medical Expenses
1 - Object of the insurance
The guarantee provides for the reimbursement or direct payment - within the limits (sublimits included) and with the deduction of the deductible specified in the Table of Insured Capital - of medical expenses resulting from injury or illness sustained by the Insured during the trip - in addition to the services provided by the National Health Service: - are prescribed by authorized medical authorities - are ascertained and documented - are necessary during the trip - are indispensable and cannot be postponed until the return to the place of residence.
WARNING: Medical expenses or relative to assistance services, if incurred in hospital or healthcare facilities, are understood to be paid directly by the Company where this is possible and without prejudice to the prior contact of the Insured with the Operative Centre; or, for subsequent reimbursement where direct payment or for all expenses incurred outside the aforementioned facilities has not been possible, without prejudice to the sublimits indicated in the Table of Insured Capital.
Direct payment is subject to the provisions of Italian and local legislation on exchange control.
- in case of hospitalization, cont act with the Operation Center is mandatory. In this case the Operation Center, if not contact ed during hospitalization, will not reimburse the costs incurred by the insured;
- in the case of hospitalization under the Day Hospital regime, failure to contact the Operations Centre will result in the reimbursement of expenses incurred with the application of the limit provided for in pointA.2 of the Table of Insured Capital
- in the case of reimbursement of medical and pharmaceutical expenses, the sublimit set out in Art. A.2 of the Table of Insured Capital shall apply.
- in the case of reimbursement of urgent dental expenses that cannot be postponed upon return home, the sublimit set forth in art. A.3 of the Table of Insured Capital shall apply.
2 Derogation for pre-existing illnesses
Partially derogating from art. 5 "Exclusions common to all guarantees" of the General Conditions of Insurance, it is established that the services referred to in Section "A.2- Medical Expense Reimbursement" are intended to be operative also in case of unexpected flare -up of illnesses that are pre-existing at the beginning of the trip. This extension will be valid only upon presentation of a certifica te issued on site by a public health organization (hospital, doctor's office) and not by private doctors, which requires the need, or at least the advisability of medical care.
3 - Specific exclusions (in addition to the exclusions common to all guarantees) The Company shall not bear the events and/or expenses arising out of or consequent to:
a) medical expenses not prescribed by an authorised medical authority;
b) travel undertaken against medical advice or, in any case, with acute illnesses, if the insured is on a waiting list for hospitalization or for the purpose of undergoing aesthetic or rehabilitative medical-surgical treatment, or for the elimination or correction of physical defects or malformations that existed before the policy was taken out;
c) medical expenses that are not necessary for the diagnosis and treatment of the disease in progress and the amount of which is higher - for the disease to be treated - than the standard amount in the country in which the insured person is located. In this case the Company may reduce the compensation to the standard compensation recorded for the specific pathology.
d) medical expenses resulting from diagnosis, check-ups or investigations relating to a physiological state (e.g. pregnancy) already known prior to the date of commencement of the trip; voluntary termination of pregnancy, benefits and therapies relating to fertility and/or infertility and/or impotence
e) purchase, fitting, maintenance and repair of spectacles, contact lenses, pacemakers, prosthetic and therapeutic devices, wheelchairs and similar walking aids, routine examinations and tests or check-ups, preventative tests or treatments, examinations and control tests in the absence of an injury or illness included in cover, psychoanalytic or psychotherapeutic treatments, hypnosis;
f) nursing, physiotherapy, rehabilitation, slimming or spa treatment and for the elimination of physical defects of an aesthetic nature or congenital malformations; expenditure on contraceptives; routine medical and dental expenditure;
g) Costs of cosmetic or reconstructive surgery and wellness treatments, acupuncture, massage therapy, treatment by a chiropractor or osteopath, acupuncture;
h) check-ups carried out after returning home, for situations resulting from illnesses arising while travelling;
i) road expenses (tolls, fuel), taxi or customs fees and refreshments/hotel expenses, except those provided for in the individual guarantees;
j) infectious diseases, where assistance is prevented by international health standards;
k) extreme journeys in remote are as that can only be re ached with the use of special rescue vehicles
l) journeys undertaken to a territory where, at the time of departure, a prohibition or restriction (even temporary) issued by a competent public authority is operational;
All benefits are also not due:
m) to the newborn child, if the pregnancy is completed during the journey, even in the even t of premature birth n) in the absence of prior authorisation from the Operations Centre, to which the hospitalization or first aid service must b e reported; o) in case of expenses for medical treatment that are not medically necessary and that exceed - for the type of expense in question - the usual level of the foreign country where they are incurred. In this case, the Company may reduce the compensation to the expenses normally incurred in the country where the Insured is located in similar cases.
4 - Provisions and limitations
4.1 - The Insured Party shall be relesed from professional secrecy, exclusively for the events covered by this policy and exclusively towards the company and/or the magistrates who may be involved in the examination of the event, the doctors who examined him/her and the persons involved in the policy conditions.
4.2 - The Company directly bears or reimburses "Medical expenses".
- Even several times during the trip
- For a maximum total of 90 days of hospital stay
- Until exhaustion of the insured capital per person and per insurance period
4.3 - The deductible provided for in the Table of Insured Capital shall be applied to the settlement of expenses for reimbursement. No deductible is applied in case of direct payment of hospital and surgical expenses.
5 - Obligations of the Insured Party in case of accident
Please refer to the content of section E - Obligations of the insured for detailed operational aspects.
SECTION C TRIP CANCELLATION
1 - Object of the guarantee
Following the cancellation or modification of the booked trip or rental, the Company will reimburse, within the limits provided for in the Insured Capital Table attached to this policy, the withdrawal or modification fee - or the penalty provided for in the travel contract in the event of cancellation or modification of the same by the participants - paid by the Insured in accordance with the Conditions of Participation in the trip. The cancellation or modification must be the consequence of involuntary circumstances, unforeseeable and unknown at the time of signing the policy, which directly affect the Insured and are determined by the reasons listed in the table below:
- 1.1 - Illness, injury or death of the Insured Party, a family member (see definition), the sole partner or co-owner of the business activity or the sole Travel Companion 1.2 - Inability to take advantage of holidays already planned as a result of dismissal by the employer, redundancy or mobility fund , new employment of the Insured Party, a family member if a Travel Companion or the only Travel Companion
- 1.3 - Appointment or summons of the Insured Party, a family member if a Travel Companion or the only Travel Companion to a Juror, Witness or Popular Judge before the Court, notified to the Insured Party after the issue of the policy
- 1.4 - Material damage to the home of the Insured Party or the only Traveling Companion, following fire, burglary or adverse weather conditions, occurring within 48 hours of the scheduled departure date and of such severity as to require the presence of the Insured Party
- 1.5 - Inability to reach the place of departure or beginning of stay, from the place of residence, as a result of a traffic accident involving the car belonging to the insured person during the journey undertaken to reach the place of departure or beginning of stay, provided that this event can be documented and makes it impossible to continue the journey.
- 1.6 - Change in the date of the university exam session or qualifying for professional activity or participation in public competitions, communicated after booking the trip and issuing the policy
The Company does not reimburse insurance premiums, opening / practical management costs, agency fees, refundable boarding fees, fuel adjustments communicated after the booking confirmation and visas.
2 - Validity and operation of the guarantee
2.1 - The guarantee is valid only if the policy has been issued:
a) at the same time as the documented reservation/confirmation of services. Or
(b) in the case of non-contextual issuance, no later than 45 days before the start of the journey
2.2 - The guarantee starts from the date of reservation/confirmation of the trip and purchase of the policy and is operative until the day of departure, with the use of the first service contractually provided.
2.3 - Derogation for pre-existing illnesses Partially derogating from art. 5 "Exclusions common to all guarantees" of the General Conditions of Insurance, it is established that the services provided in "Section C - Trip Cancellation " are understood to be operative also in the case of an unexpected flare -up of illnesses that are pre-existing at the beginning of the trip.
This extension will be valid only upon presentation of a certificate issued on site by a public health organization (hospital, doctor's office) and not by private doctors, which imposes the need, or at least the advisability of medical care.
3 - Insured capital and settlement criteria
3.1 - The Company shall indemnify the Insured up to the maximum amounts and with deduction of the overdrafts indicated in the Table of Insured Capital the Insured and, provided they are insured and registered on the same file, his family members or one of his travelling companion s.
3.2 - The insured capital must be equal to the price of the trip, up to the maximum amount indicated in the policy. The cost of services not included in the price of the trip (e.g. for optional programs) is also covered by insurance, provided that it has been expressly included in the insured capital. If the insured capital is lower than the price of the trip (so-called under-insured trip or partial insurance), in the event of a claim eligible for indemnification, the Company, pursuant to art. 1907 of the Italian Civil Code, will pay a proportionately reduced amount, with subsequent deduction of the overdraft.
3.3 - The indemnity due to the Insured is equal to the withdrawal fee calculated on the date on which the event occurred, or the occurrence of the circumstances that led to the inability to undertake the trip (art. 1914 of the Italian Civil Code). Any higher withdrawal fee charged to the Insured as a result of a delay in communicating the cancellation of the trip to the Organizer or supplier of the booked service will remain the responsibility of the Insured.
3.4 - The Company reserves the right to assess whether to reduce the amount of compensation to be paid by the amount already recovered from the Insured.
3.5 - In case of renouncement of the trip due to illness or injury, the Company's fiduciary doctors are entitled to carry out a medical check-up. The Insured Party must allow the Company to carry out the investigations and verifications necessary for the settlement of the claim and to produce to the same all the documentation relative to the specific case, freeing for this purpose from professional secrecy the Doctors who have visited or taken care of him/her, Failure to fulfil these obligations may result in the partial or total loss of the right to compensation. In the event that the Company's medical trustee verifies that the condition of the person whose medical condition is at the origin of the waiver is not such as to prevent the Insured from participating in the trip, or the Insured does not allow the Company to verify the health condition of such person, a further overdraft of 30% will be applied to the indemnity to be calculated on the amount eligible for indemnity.
4 - Specific exclusions (in addition to the exclusions common to all guarantees) The Company does not recognize compensation for:
a) Accidents and chronic or pre-existing illnesses at the time of registration for the trip and/or issue of the policy.
b) Any cause that led to the waiver of the trip, which occurred prior to the time of booking and/or registration for the trip and/or at the time of signing the policy, or which could reasonably be foreseen;
c) Pathologies of pregnancy, if this occurred before the date on which the travel or rental was booked;
d) Dismissal for "just cause ";
e) Theft of documents necessary for expatriation, if this occurred more than 5 days before departure;
f) Professional reasons, except as provided for in Article 1.1 of this paragraph;
g) Decision of the insured person not to travel.
5 - Limitations
5.1 - If the Insured Party is enrolled on the same trip with two or more persons, not family members, or with a pre-established group or with other family units, in the event of cancellation, the guarantee is understood to apply not only to the Insured Party directly involved in the event, but also to his family members or " one " of his travel companions;
5.2 - The company has the right to take over the possession of the unused tickets, reserving the right to reduce the compensation b y an amount equal to the recoveries made by the Insured himself.
5.3 - The policy is valid for only one request for reimbursement, upon the occurrence of which it lapses.4 - Specific exclusions (in addition to the exclusions common to all guarantees)
6 - Obligations of the Insured Party in case of accident
Please refer to the contents of section E - Obligations of the insured for detailed operational aspects.
SECTION D INTERRUPTION OF THE STAY
1 - Object
The Company shall reimburse, within the limits set out in the Insured Capital Table, the pro-rata of the unused stay from the date of return home, following the interruption of the booked trip or stay which is the result of unforeseeable and involuntary circumstances at the time of signing the policy, as determined by the Company:
1.1 Medical return of the Insured Party, a family member or the only travel companion for health reasons;
1.2 Return of family members or the only Travel Companion, following the death of the Insured during the trip. In this case, the reimbursement is awarded to the legitimate heirs and/or testamentary heirs;
1.3 Hospitalisation with a prognosis of more than 7 consecutive days or death of a family member or sole partner or co -owner of the insured person's or sole travel companion's business;
Art.2 - Validity and operation of the guarantee
2.1 The guarantee shall commence upon commencement of the journey, once the first contractually agreed service has been checked in, and shall remain in effect until the end of the journey.
2.2 In case of need to interrupt your stay for medical reasons, the warranty is subject to the prior authorization of the Company's Operations Centre, which can be contacted 24 hours a day at +39 02 30.30.00.05.
Art. 3 - Liquidation criteria
3.1 The Company shall reimburse in accordance with the Table of Insured Capital (excluding travel documents and practical management and insurance costs) from the date of return. For the purpose of calculating the quota, it is specified that the day on which the return is made a nd the day initially planned for the return are considered as a single day.
3.2 If the insured capital is lower than the price of the trip, in the event of an indemnifiable claim, the Company will pay a proportionally reduced amount in accordance with article 1907 of the Italian Civil Code, with subsequent deduction of the overdraft.
3.3 If the insured person is simultaneously enrolled on a trip with his family members and/or other persons, the cover shall be deemed to apply, in addition to the insured person directly involved in the event and his family members, or for only one of the travel companions, provided that they are also insured.
3.4 Reimbursement will be made without the application of any overdraft/franchise.
4. Specific exclusions (in addition to the exclusions common to all guarantees) The Company does not recognize compensation:
a. In the absence of prior contact with the Assistance Operation Center, which must provide authorization to return;
b. For interruption of the trip following riots, strikes, lockouts, blockades, governmental actions of any country, regardless of whether such events are actual or threatened;
c. For travel interruption due to telluric, terrorist, sociopolitical, meteorological, natural or epidemic events, or the danger of such events occurring.
5 - Obligations of the Insured Party in the event of an accident
For interruption of the trip following the provisions of points 1.1, 1.2 and 1.3, the Insured must first contact the Operations Centre on the following number +39.02.30.30.00.05 communicating the policy number, name and surname of the insured persons who must interrupt their trip or stay and the reason for the request.
Please refer to the contents of section E - Obligations of the insured for detailed operational aspects.
SECTION E - Policyholder Obligations
In case of requests for Medical Assistance while travelling, the Insured person or whoever on his/her behalf, before undertaking any initiative, must immediately contact the Assistance Platform using the reference number indicated below, communicating the type of assistance requested, as well as his personal data, address and phone number from where he is calling, to allow the Centre to contact him/her and follow up on the request for assistance.
The insured person must follow the instructions received. The Company reserves the right to refund if due up to an amount equivalent to the costs the Contact Centre would have sustained if it had be en informed in time and thus able to manage and negotiate the case directly in the event of Policyholder's unjustified default.
For Travel Cancellation refund requests, the Insured or whoever must:
- Open the claim by contacting the Call Center for Claims at the number +39 02 0062 0261 within 48 hours of the cancellation communicated to the organizer or Carrier.
- By the opening of the claim an email confirmation will be sent, that will report the number of claim open, the indication of the documents necessary for the management of the claim and a form to be completed. The completed form and the required documents must be sent to
ERGO Reiseversicherung AG - General Representation for Italy - Claims Office - Via Pola, 9 - 20124 Milan - by registered letter with return receipt or certified email (firstname.lastname@example.org) within 20 days.
For reimbursement requests due to Interruption of stay for medical reasons, the Insured must make prior cont act with the Operation Center on +39 02 30.30.00.05, and wait for the relative authorization.
For requests for reimbursement of other types (e.g. Baggage), the Insured or his representative must:
- Open the claim by contacting the Call Center for Claims at the number +39 02 0062 0261 within 7 days.
- By the opening of the claim an email confirmation will be sent, that will report the number of claim open, the indication of the documents necessary for the management of the claim and a form to be completed. The completed form and the required documents must be sent to ERGO Reiseversicherung AG - General Representation for Italy - Claims Office - Via Pola, 9 - 20124 Milan - by registered letter with return receipt or certified e -mail (email@example.com) within 20 days. Failure to comply with even one of the above obligations may result in the total or partial loss of the right to compensation, pursuant to Article 1915 of the Italian Civil Code. aid declaration term. details.
Calling the Contact Centre
- What to do in case of request for medical assistance
To set the necessary procedures in motion, Policyholders or a representative must call the Company as soon as possible, to communicate the type of assistance requested.
Operational Centre 24 hours a day, 365 days a year, in Italian PHONE NUMBER TO CONTACT IN CASE OF REQUEST FOR MEDICAL ASSISTANCE WHILE TRAVELLING +39.02.30.30.00.05 firstname.lastname@example.org
|Travel Assistance||Specific for each service||NO|
|Reimbursement of medical Expenses||
For EEA residents travelling within Italy the limits apply
|Trip Cancellation||Up to 4.000/person €10.000/event||0% in the event of death or hospitalisation for over 3 days, 15% all other cases. In case of non-contextual issuance (but in any case before the 45 days prior to trip start) the excess is increased to 20% in all cases.|
|Interruption of the stay||
Telephone Medical Advice
Arranging a visit to a specialist
Sending of a doctor within Italy
Repatriation of the convalescent Policyholder
Repatriation of travelling companion
Travel expenses for a family member
Extended stay /days, max 14 days
€100/day, max 14 days
Extra return costs
€500 Italy /
Obtaining a lawyer and advance deposit abroad
Repatriation of the body
Home assistance of the insured party
Search and rescue
Interpreter available over the phone
Advance payment for expenses of basic need
Refund of phone cost
Documented costs to reach the Assistance platform over the phone
Sending of urgent message
Sending of urgent medicine
COVID-19 and insurance coverage
Subject: Insurance cover for travel cancellation guarantees in the event of covid19 illness despite pandemic status.
In relation to the policy in question, we hereby confirm coverage for travel cancellation and interruption cases attributable to Covid-19, although Covid-19 is still classified as an epidemic or pandemic by the WHO, and is generally excluded.
Therefore, ERGO Assicurazione Viaggi will not object to the exclusion of the pandemic as long as the number of contagions remains under control. In case of important changes that would induce the Italian Government to take restrictive measures, ERGO Travel Insurance reserves the right to exclude the insurance coverage, with subsequent communications that will have effect on future bookings, and will not affect policies already purchased.
Some practical examples to better illustrate the application of the insurance coverage as of today:
Insurance cover is provided in the event that an insured person is unable to undertake the trip:
a) Because he is found to have a body temperature higher than 37,5°C, even in the presence of a subsequent Covid19 negative test;
b) Because the insured has tested positive for Covid19 even in the absence of symptoms or fever;
c) Because the insured person fell ill with Covid19, as certified by the general practitioner;
d) Because a close relative or a member of the insured's household fell ill with co-vid19 and the insured's presence at home is required;
e) Why the insured's travel companion has fallen ill with covid19 and the trip cannot be undertaken.
Coverage is also provided in the event that the insured or a traveling companion is quarantined by order of the government or a public authority on the suspicion that the insured or a traveling companion has been exposed to a contagious disease (including Covid19 infection).
The need to be subject to quarantine must be adequately substantiated by official documentation from the quarantine authorities.
The insurance does not cover quarantine that applies generally or extensively to a part or all of a population or geographical area or that applies at the place of departure, destination of the trip or intermedia te stages.
The insurance cover does not operate if the insured cannot or does not want to undertake the trip because he or she is worried - even as a patient at risk - about a contagion also due to an increasing number of cases at the place of vacation or destination of the trip.
In case of lockdown, closure of borders or restrictions limiting the freedom of movement of Italian citizens, the policy will have no effect on the trips that may be cancelled, for which the Authority will have to provide appropriate forms of compensation for services paid and not used.
Please see the full policy at this link.