Italy Tourism: Health & Insurance

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Health & Insurance

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Insurance

Since Italy for most of us is far from home, and a number of things could go wrong -- lost luggage, trip cancellation, a medical emergency -- consider the following types of insurance.

Check your existing insurance policies before you buy travel insurance to cover trip cancellation, lost luggage, medical expenses, or car-rental insurance. You're likely to have partial or complete coverage. But if you need some, ask your travel agent about a comprehensive package. The cost of travel insurance varies widely, depending on the cost and length of your trip, your age and overall health, and the type of trip you're taking, but expect to pay between 5% to 8% of the vacation itself. Insurance for extreme sports or adventure travel, for example, will cost more than coverage for a European cruise. Some insurers provide packages for specialty vacations, such as skiing or backpacking. More dangerous activities may be excluded from basic policies.

Trip-Cancellation Insurance -- Trip-cancellation insurance helps you get your money back if you have to back out of a trip, if you have to go home early, or if your travel supplier goes bankrupt. Allowed reasons for cancellation can range from sickness to natural disasters to the State Department declaring your destination unsafe for travel. (Insurers usually won't cover vague fears, though, as many travelers discovered who tried to cancel their trips in October 2001 because they were wary of flying.) In this unstable world, trip-cancellation insurance is a good buy if you're getting tickets well in advance -- who knows what the state of the world, or of your airline, will be in 9 months? Insurance policy details vary, so read the fine print -- and make sure that your airline or cruise line is on the list of carriers covered in case of bankruptcy. A good resource is "Travel Guard Alerts," a list of companies considered high-risk by Travel Guard International. Protect yourself further by paying for the insurance with a credit card -- by law, consumers can get their money back on goods and services not received if they report the loss within 60 days after the charge is listed on their credit card statement.

Note: Many tour operators, particularly those offering trips to remote or high-risk areas, include insurance in the cost of the trip or can arrange insurance policies through a partnering provider, a convenient and often cost-effective way for the traveler to obtain insurance. Make sure the tour company is a reputable one, however: Some experts suggest you avoid buying insurance from the tour or cruise company you're traveling with, saying it's better to buy from a "third party" insurer than to put all your money in one place.

For more information, contact one of the following recommended insurers: Access America (tel. 866/807-3982; www.accessamerica.com); Travel Guard International (tel. 800/826-4919; www.travelguard.com); Travel Insured International (tel. 800/243-3174; www.travelinsured.com); and Travelex Insurance Services (tel. 888/457-4602; www.travelex-insurance.com).

Medical Insurance -- For travel overseas, most health plans (including Medicare and Medicaid) do not provide coverage, and the ones that do often require you to pay for services upfront and reimburse you only after you return home. Even if your plan does cover overseas treatment, most out-of-country hospitals make you pay your bills upfront, and send you a refund only after you've returned home and filed the necessary paperwork with your insurance company. As a safety net, you may want to buy travel medical insurance, particularly if you're traveling to a remote or high-risk area where emergency evacuation is a possible scenario. If you require additional medical insurance, try MEDEX Assistance (tel. 410/453-6300; www.medexassist.com) or Travel Assistance International (tel. 800/821-2828; www.travelassistance.com; for general information on services, call the company's Worldwide Assistance Services, Inc., at tel. 800/777-8710; www.worldwideassistance.com).

Lost-Luggage Insurance -- On domestic flights, checked baggage is covered up to $2,500 per ticketed passenger. On international flights (including U.S. portions of international trips), baggage coverage is limited to approximately $9.05 per pound, up to approximately $635 per checked bag. If you plan to check items more valuable than the standard liability, see if your valuables are covered by your homeowner's policy, get baggage insurance as part of your comprehensive travel-insurance package, or buy Travel Guard's "BagTrak" product. Don't buy insurance at the airport, as it's usually overpriced. Be sure to take any valuables or irreplaceable items with you in your carry-on luggage, as many valuables (including books, money and electronics) aren't covered by airline policies.

If your luggage is lost, immediately file a lost-luggage claim at the airport, detailing the luggage contents. For most airlines, you must report delayed, damaged, or lost baggage within 4 hours of arrival. The airlines are required to deliver luggage, once found, directly to your house or destination free of charge.

Health & Safety

Staying Healthy--In general, Italy is viewed as a "safe" destination, although problems, of course, can and do occur anywhere. You don't need to get shots; most foodstuff is safe and the water in cities and towns potable. If you're concerned, order bottled water. It is easy to get a prescription filled in towns and cities, and nearly all places throughout Italy contain English-speaking doctors at hospitals with well-trained medical staffs.

In other words, Italy is part of the civilized world.

The vegetarian can go into almost any restaurant in Italy, even those specializing in meat and fish, and order a heaping plate of fresh antipasti made with fresh vegetables.

What To Do If You Get Sick Away From Home--Any foreign consulate can provide a list of area doctors who speak English. If you get sick, consider asking your hotel concierge to recommend a local doctor -- even his or her own. You can also try the emergency room at a local hospital. Many hospitals also have walk-in clinics for emergency cases that are not life-threatening; you may not get immediate attention, but you won't pay the high price of an emergency room visit.

If you suffer from a chronic illness, consult your doctor before your departure. For conditions like epilepsy, diabetes, or heart problems, wear a MedicAlert identification tag (tel. 888/633-4298; www.medicalert.org), which will immediately alert doctors to your condition and give them access to your records through MedicAlert's 24-hour hot line.

Pack prescription medications in your carry-on luggage, and carry prescription medications in their original containers. Also bring along copies of your prescriptions in case you lose your pills or run out. Carry the generic name of prescription medicines, in case a local pharmacist is unfamiliar with the brand name.

And don't forget sunglasses and an extra pair of contact lenses or prescription glasses.

Staying Safe--The most common menace, especially in large cities, particularly Rome, is the plague of pickpockets and roving gangs of Gypsy children who surround you, distract you in all the confusion, and steal your purse or wallet. Never leave valuables in a car, and never travel with your car unlocked. A U.S. State Department travel advisory warns that every car (whether parked, stopped at a traffic light, or even moving) can be a potential target for armed robbery. In these uncertain times, it is always prudent to check the U.S. State Department's travel advisories at http://travel.state.gov/travel_warnings.html.

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Italy Tourism: Health & Insurance

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