Buongiorno. Imagine the charm of Italy: the history, food, architecture – it’s beautiful everywhere you go, especially if it’s your first time visiting the country. Now, imagine the less charming side – having a stealthy pickpocket take your wallet on a tour of no return. That’s exactly what happened to me! Here’s how my mishap turned into a testament to the unsung hero of many a holiday tale: travel insurance.

The day my wallet went for a tour

There I was, standing on a public bus headed towards the Duomo di Milano, the second largest cathedral in Italy built with pink marble from its own quarry in Candoglia, when the bus stopped and a horde of commuters swarmed in. Everyone seemed engrossed in their own world, and although I wasn’t exactly looking out for criminals, I didn’t let my guard down and tried to maintain my personal space by keeping a distance between me and the next passenger.

The next thing I remember was hearing “scusi” (Italian for “excuse me”) as a middle-aged woman beside me reached across to grab hold of a standing pole. Two seconds later, I realised my front-worn sling bag had gotten slightly lighter. I quickly checked it and realised my wallet, containing 100 Euros, three credit cards and my IC (Identity Card), was missing! I suspected that the woman was the culprit, but she had already made her great escape by then.

Navigating Italy without a wallet

Initial panic gave way to action, as I took 5 minutes to compose myself and collect my thoughts. After reporting the theft to the local authorities, I was faced with the prospect of navigating my trip without funds, but digital replacement credit cards and travel insurance saved the day. I was able to continue my trip and was reassured that I’d be reimbursed for my stolen items. Despite this unpleasant incident, I know I’ll still be back one day to continue exploring Italy, even more so when I can maximise my annual leave and get 32 days off.

Lessons learned and tips for travellers planning to visit Europe

1. Divide your valuables and cash among different pockets or bags

You might want to carry some cash on your person, in different pockets, and some in a bag, while leaving the rest in a safe in your accommodation. I’m not joking when I say one of my travel companions stashed his cash into his extra pair of shoes back in our accommodation – an unlikely place for a thief to look, but this would’ve helped him tide over the rest of the trip if he were in my shoes (ha ha) instead.

2. Wear a money belt or carry your bag across your body

Sorry, Mum and Dad. I know you’ve nagged at me tirelessly about this one. I got complacent on my second last day in Italy and paid the price, but this one’s a life (and money) saver. Most money belts have two compartments for you to keep your cash, cards and passports, and you can tuck them into your pants.

It's virtually improbable that something goes missing if you wear a money belt unless you get robbed in the toilet.

3. Remain vigilant in crowded areas and tourist hotspots

If you look lost or unaware at the centre of a tourist attraction... chances are, you’ll come into the crosshairs of a pickpocket with keen eyes. If you’re stopping to snap pictures or enjoy street snacks, it’s a good practice to keep your back against the wall and stay aware of your personal space.

Experienced pickpockets don’t need much time to commit crime – four seconds is more than enough. In my case, the pickpocket even zipped my bag close after helping herself to my wallet, leaving little reason to be suspicious. I’d say that’s courtesy right there.

Why travel insurance is a must-have

Peace of mind and financial coverage, that’s it. When you’re travelling to a distant land, it never hurts to pay a small price to stay protected against the countless unforeseen circumstances that can arise anytime during your trip. From flight delays and missing baggage to having your belongings stolen from you right under your nose, anything could happen, and travel insurance could be a real unsung hero. Easily overlooked, but you’ll be glad you have it!

Here's a guide to making travel claims if you ever find yourself in a cinch.