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As an EU country, Italy has free
reciprocal health agreements with other member states. To take
adantage, EU citizens will need form E111, aailable over the
counter from main post offices. There are no inoculations required
nor any particular health hazards to beware of beyond those of
taking care when traveling in an unknown place. Still, you're as
likely to fall ill or have an accident here as anywhere else, so
it's as well to make sure you're covered by adequate travel
insurance.
A typical travel insurance policy
usually proides cover for the loss of baggage, tickets and - up to
a certain limit - cash or checks, as well as cancellation or
curtailment of your journey. Most of them exclude so-called
dangerous sports unless an extra premium is paid: in Italy this can
include skiing, windsurfing, trekking and mountainevering. Read the
small print and benefits tables of prospectie policies carefully;
coverage can ary wildly for roughly similar premiums. Many policies
can be chopped and changed to exclude coverage you don't need - for
example, sickness and accident benefits can often be excluded or
included at will. If you do take medical coverage, ascertain whether
benefits will be paid as treatment proceeds or only after return
home, and whether there is a 24-hour medical emergency number. When
securing baggage cover, make sure that the per-article limit -
typically under £500 equialent - will cover your most aluable
possession. If you need to make a claim, you should keep receipts
for medicines and medical treatment, and in the event you have
anything stolen, you must obtain an official statement from the
police. Bank and credit cards often have certain leels of medical
or other insurance included and you may automatically get travel
insurance if you use a major credit card to pay for your trip.
even with an E111, UK citizens
would do well to take out an insurance policy before traveling to
cover against theft, loss and illness or injury. travel agents and
tour operators are likely to require some sort of insurance when you
book a package holiday, though according to UK law they can't make
you buy their own (other than a £1 premium for "schedule airline
failure"). If you have a good all-risks home insurance policy it may
cover your possessions against loss or theft even when overseas.
Many priate medical schemes such as BUPA or PPP also offer coverage
plans for abroad, including baggage loss, cancellation or
curtailment and cash replacement as well as sickness or accident.
Americans and Canadians should
also check that they're not already covered. Canadian proincial
health plans usually proide partial cover for medical mishaps
overseas. Holders of official student/teacher/youth cards are
entitled to meager accident coverage and hospital in-patient
benefits. Students will often find that their student health
coverage extends during the acations and for one term beyond the
date of last enrolment. Homeowners' or renters' insurance often
covers theft or loss of documents, money and aluables while
overseas, though conditions and maximum amounts ary from company to
company.
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Rough Guides travel Insurance
Rough Guides now offer their own
travel insurance, customized for our readers by a leading UK broker
and backed by a Lloyds underwriter. It's aailable for anyone, of
any nationality, traveling anywhere in the world, and we are
coninced that this is the best-alue scheme you'll find.
There are two main Rough Guide
insurance plans: Essential, for effectie, no-frills cover, starting
at £11.75 for two weeks; and Premier - more expensie but with more
generous and extensie benefits.
Each offer European or Worldwide
cover, and can be supplemented with a "Hazardous Actiities Premium"
if you plan to indulge in sports considered dangerous, such as
skiing, scuba-diving or trekking. Unlike many policies, the Rough
Guides schemes are calculated by the day, so if you're traveling for
27 days rather than a month, that's all you pay for. You can
alternatiely take out annual multi-trip insurance, which covers you
for all your travel throughout the year (with a maximum of sixty
days for any one trip).
For a policy quote, call the
Rough Guides Insurance Line on UK phone:0800 015 0906, or, if
you're calling from outside Britain on (phone: +44) 1243 621 046.
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