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The following guarantees are secured by:
UNIPOL INSURANCE in collaboration with tois.

Details of the conditions of insurance is indicated in the special card that will be delivered with your travel documents. If this becomes difficult, you can refer to the below reported.

Your number and letter series card insurance is stated on the voucher or news sheet or statement of account that there will still be transmitted.

Calling in Milan (+39) 02 24128377 , under specific agreement signed with the IMA Assistance Spa Italy - Piazza Indro Montanelli, 20 - 20099 Sesto San Giovanni (MI) , the Central Office consists of doctors, technicians and operators, in operation 24 hours 24 provides for appointment of Unipol Assicurazioni SpA to provide the following services to travelers:

Assessment by doctors of the Organizational Structure of the state of health in order to decide the most appropriate medical services and, if necessary, report the name and address of a medical specialist in the area closest to the place where the Insured.

when the traveler needs urgent care for the case of medicines unavailable on site, provided marketed in Italy.

with the most appropriate means to the place of residence or hospital facilities in Italy, which became necessary as a result of injury or illness which in the opinion of the doctors of the Organizational Structure can not be treated on the spot. Transportation is arranged entirely at the expense of Unipol and includes medical care or nursing during the trip, if necessary.
The transport from countries outside Europe, except those around the Mediterranean and the Canary Islands, is done exclusively on airliner in economy class, possibly on a stretcher.

as if by a specific prescription, his state of health prevents him from returning home with half the originally planned. It is also including the payment of additional costs to stay within the limit of € 60.00 (sixty) per day for a maximum of 10 days after the date of return, made ??necessary by the health status of the traveler.

Insured from place of death to the place of burial in Italy. Excluding expenses related to the funeral and the eventual recovery of the body.

provided insured or a traveling companion, as a result of medical repatriation and / or death of the insured.

to his residence in the event of sudden death or hospitalization occurred with imminent danger to the life of a family in Italy (spouses, partners, children, brothers, sisters, parents, in-laws, genres, daughters, grandparents, uncles and nephews up to grade 3 of relatives, in-laws) if the Insured requests to return before the planned date and by a means other than the one originally planned.
NB : performance from 3 to 7 are given in agreement with the Organizational Structure and delivery of any ticket trip originally planned. If the insured did not consult the Organizational Structure and have organized their own return, upon presentation of a medical certificate issued on the spot and expense documents, will be refunded to the extent necessary and within the limit of EUR 1,000.00 ( thousand).

when the traveler is hospitalized for a period longer than 3 days and if it is not already present on the spot a relative, will be refunded the airfare in economy class or first class rail round return and living expenses up to a maximum of Euro 60.00 (sixty) per day for a maximum of 10 days, to allow a family member to go to the patient, also to assist any minor who was also in trip.

when the Insured as a result of hospitalization or legal proceedings against him for negligence facts which have occurred abroad, find it difficult to communicate in the local language, the Organizational Structure provides for send an interpreter assuming the costs, only for the time needed to professional action with a maximum of Euro 1,000.00 (one thousand).

when the Insured is held criminally or civilly liable for actions negligence occurred abroad and due to him, the Organizational Structure indicates the name of a lawyer and you assume the defense costs of the traveler within the limit of Euro 2.500,00 (two thousand). Moreover anticipates, against appropriate bank guarantee and up to a limit of Euro 15,000 ,00 (fifteen), any bail which was required by the court.

f the Insured it were necessary due to unforeseen events of proven serious and not dependent on his will, against appropriate bank guarantee the Organizational Structure will settle any invoices on the spot or to anticipate the amount of money needed up to a maximum of Euro 5.000,00 (five thousand).

persons resident in Italy if the insured person is unable to transmit messages, the Organizational Structure will ensure the communication of the message to the recipient.

and telegraph documented, supported to contact the Organizational Structure in case of necessity, be reimbursed up to Euro 100.00 (one hundred).

addressed in the case of accident are insured, if carried out by official bodies, up to the amount of Euro 1.500,00 (one thousand five hundred).


11) The following warranty is provided directly by Unipol Assicurazioni SpA that:
  • arrange direct payment with prior approval of the Organizational Structure, or
  • reimburse expenses incurred - for admissions within the limits of cost of public hospitals and within the limit for the hospital fees of Euro 500.00 (five hundred) per day - the presentation of documents specified in Chapter mode.
For costs exceeding Euro 1,000.00 (one thousand) must still be obtained prior authorization from the Organizational Structure.
The warranty only for the costs of medical services and first transport the patient to the nearest health facility, the need for which arose during the trip, and that they are not indispensable and rimandabili to return to the place of residence, with the following limits:
  • Abroad Euro 10.000,00 (ten thousand)
  • Italy in Euro 1.000,00 (one thousand)
  • compensated by deducting an overdraft of 10% with a minimum of Euro 40,00 (forty) per event.

ASSISTANCE (guarantees 1 to 10.4) is obtained by calling Milan No.: (+39) 02 24128377 .
The Insured shall notify the Organizational Structure your number and serial letter of the card, then indicate the place where you located and your telephone number. Insured The free professional secrecy with regard to the events which are the subject of this service, the doctors who have seen or treated after or even before the event. For residents who undertake trips abroad in the costs of their return from Italy are recognized to the extent of the cost of the return to Italy.
TO OBTAIN A REFUND OF MEDICAL EXPENSES incurred the Insured, within 15 days from the date of return, must report the accident to the Company by calling Green 800406858 from Monday to Friday from 8:30 to 19:00 and Saturday from 8:30 to 13:30, or send its request to: Unipol Assicurazioni SpA - Claims Office Tourism - CP 78-20097 San Donato Milanese, MI , complete the following documents: name, social security number, address, copy of insurance card, doctor's diagnosis local original invoices or receipts paid.


coverage guarantees the reimbursement of the cost of the trip is not used in the event that the Insured, his family or traveling companion writing at the same time, they are forced to stop it for the following reasons:
a) return health of the insured for health reasons only if prepared by Unipol,
b) hospitalization of the Insured which causes the interruption of the journey;
c) the anticipated return of the insured only if prepared by Unipol,
d) early return to the death of family member or traveling companion. Reimbursement is the amount of days from the completion of the journey and is obtained by dividing the total cost paid, less the registration fee for the days of travel time. Reimbursement will be paid only in form of "good trip" to be used exclusively by the Tour Operator. The "good trip" is non-transferable, non-refundable and must be used within 12 months from the date of return. In case of simultaneous registration of a pre-established group of participants, the term "travel companion" can refer to a single person . shall not be eligible for warranty claims relating to interruptions of your stay to "return to health" is not organized by the Organizational Structure.
IN CASE OF INTERRUPTION OF TRAVEL To get the "good trip" The Insured, within 15 days from the date of return, must report the accident to the Company by calling the toll-free number 800406858 from Monday to Friday from 8:30 to 19:00 and Saturday from 8:30 to 13:30, or send its request to Unipol Assicurazioni SpA - Claims Office Tourism - Way of the European Union, 3 / B - 20097 San Donato Milanese (MI) , accompanied by the following documents: their contact information, social security number, description of the incident, statement of registration, certificate of death or hospitalization, family status.


In case of delayed departure, or delayed departure of the flight, more than 12 hours, the Company provides an allowance for passenger Euro 50.00 (fifty). The guarantee is valid only for the delay of the outbound and only if the travel tickets have been issued by Napoleon Tour Operator as well as result from your statement. The warranty is valid for the delays due to any reason other than the facts known or occurred in strikes or known or planned in advance of 2 working days to the start of the organized trip.

The Insured, within 15 days from the date of return, you must report the accident to the Company by calling 800406858 toll from Monday to Friday from 8:30 to 19:00 and Saturday from 8:30 to 13:30, or send its request to Unipol Assicurazioni SpA - Claims Office Tourism - CP 78 - 20097 San Donato Milanese, MI , accompanied by the following documents: -documentation of the delay the departure of the outbound flight after the scheduled time of the meeting or the last sheet of the delayed departure of the ship after the scheduled time. The documentation certifying the actual departure time will be achieved by the Insured directly with the carrier will be supplied together with the declaration of loss account together with the extract of reservation to the effect that the issuance of vouchers was made ??by the Tour Operator , -a copy of the tickets themselves; -l'eventuale call sheet, vouchers and / or communications upgrade time. In all cases, the Insured must be available in order to provide the Unipol Assicurazioni SpA further documentation necessary for the settling the claim in the event of a complaint call the required documentation must be sent to Unipol Assicurazioni SpA - Claims Office Tourism - Way of the European Union, 3 / B - 20097 San Donato Milanese (MI) .


14) Unless otherwise provided by specific guarantees, no benefits are due to events resulting from:
a) willful misconduct or gross negligence of the insured,;
b) war, civil war, strikes, revolutions, riots or popular movements, looting, acts of terrorism and vandalism;
c) earthquakes, floods, weather phenomena with characteristics of natural disasters, transmutation of atomic nuclei, radiation caused by the artificial acceleration of atomic particles
d) Accidents due to the following activities: mountaineering or rock climbing access to glaciers, aerial sports in general, reckless acts, races and car races, motorcycle and motorboat and their trials and training, as well as all injuries suffered as a result of sports activities on a professional basis
e) diseases and injuries resulting from abuse of alcohol and drugs as well as the non-therapeutic drugs and hallucinogens
f) states of chronic disease, neuropsychiatric or pre-existing conditions at the beginning of the journey;
g) journeys undertaken against medical advice or for the purpose of undergoing medical or surgical treatment. are also excluded:
h) the cost of research in the mountains, at sea or in the desert,
i) performance in those countries that find themselves in a state of belligerence that makes it impossible to care;
j) loss of money, travel tickets , titles, and sample collections of any kind,
k) the breakage or damage to baggage unless they are a result of theft, robbery, larceny, or are caused by the carrier;
l) losses caused by unattended objects or forgetfulness or loss;
m) loss, damage or medical expenses arising from incidents reported to the Unipol Assicurazioni SpA beyond the contractual terms.
15) Guarantees begin and end at the time and place set by the registration form / program of Tour Operators as the beginning and end of the trip organized and in any case the maximum of 45 days from the date of commencement of travel.
16) For travel "incoming" in Italy performance are provided by replacing the term "Italy" the country of residence of the traveler.

All insurance benefits are shown here only to allow Messrs. travelers to take advantage of the guarantees.
In any case, the original shall prevail contracts / policies deposited at the offices of the Contractor.