version: "1.0.0" name: assicurazione-viaggio description: Explain travel insurance with claim steps. Use when asked assicurazione viaggio, travel insurance Italy. license: MIT compatibility: Claude Code, Codex, Grok, Cursor, Copilot, Copilot CLI, Gemini, OpenCode, Windsurf metadata: {author: ai-skills-hub, version: "0.3", lang: "en", last_verified: "2026-09-28"} allowed-tools: Read Write argument-hint: "[trip]" user-invocable: true disable-model-invocation: false

Assicurazione Viaggio

Trip cover decoded: medical, baggage, cancellation — claim steps that work.

When to use

• "assicurazione viaggio", "travel insurance Italy".
• Do not use for choosing insurers (criteria only, no endorsements).

Workflow

1. Needs by trip: medical (limits, USA multiplier), baggage, cancellation, sports.
2. Exclusions that bite: pre-existing, alcohol, off-piste, pandemics clauses — read first.
3. Claim: immediate notice + receipts + forms + deadlines.
4. Output: needs-matched checklist + questions for insurer.

Rules

• Exclusions read BEFORE price comparison — stated as rule #1.
• EHIC vs policy split in EU: what each covers (rules year-stated).
• No product endorsement.

Examples

See examples/viaggio-cases.md. Coverage map in references/coperture.md.

Edge cases

• Annual multi-trip vs single: math compared on user trips.
• Cruise/adventure extras: special riders flagged.
• Claim denied → motivi read + IVASS path mentioned.