Up to $250,000 in medical coverage
Pros
- All plans include trip coverage cancellation
- Support team is available 24/7
- Theft resolution services are covered by all plans
Cons
- Only the Premium plan covers pre-existing health conditions
- Highest tier requires 12 hours of baggage delay to be eligible for coverage
- Plans are available to residents of the United States only
Generali Global Assistance provides travel insurance with comprehensive range of care options and travel-related aid. The company offers multiple tiers of travel insurance coverage that provide ample protection for travelers at reasonable rates.
The travel insurance company is part of a long-standing insurance network that has been active since 1831. They maintain an A financial rating with AM Best. One of the standout features of Generali Global Assistance is its commitment to providing 24/7 global support.
How Generali Global Assistance Works?
Generali Global Assistance has a wide-reaching multinational presence, offering its services across the globe. Signing up for the Generali service of your choice is a straightforward process. You can visit the company’s website, where you’ll find detailed information about their coverage options, benefits, and pricing.
Generali’s trip cancellation coverage is unique in that it goes into effect the day after you purchase your plan. Other types of coverage, such as medical and dental, trip interruption, travel delay, emergency assistance, and baggage coverage become effective as soon as you depart for your trip.
Travel Insurance Plans Coverage
Generali Global Assistance offers three levels of travel insurance coverage: Premium, Preferred, and Standard. Each tier offers different levels of coverage and benefits to cater to the varying needs of travelers. The plan comparison chart and quoting system on Generali’s website simplify the decision-making process, allowing you to evaluate the differences between the Premium, Preferred, and Standard plans.
Generali’s travel insurance plans encompass a range of essential benefits including coverage for lost and delayed baggage, travel delay, trip interruption, trip cancellation, and reimbursements. Unlike many other travel insurance companies, Generali Global Assistance stands out by providing identity theft resolution services as a benefit included in all of its travel insurance plans. This valuable service is available to you starting from your planned departure day and remains active for a period of 180 days.
Standard
The Standard plan offered by Generali Global Assistance is an affordable travel insurance option that provides basic coverage for both domestic and international trips and vacations. It is designed to cater to the needs of travelers primarily concerned about trip cancellation.
The Standard plan provides up to 125% reimbursement for trip interruption. In the event of a travel delay, the plan offers up to $1,000 in reimbursement. Policyholders are limited to $250,000 per person for emergency assistance and transportation. If your baggage is lost during your trip, the plan offers up to $1,000 in reimbursement to replace essential items such as toiletries, clothing, and other belongings.
Preferred
The Preferred plan offered by Generali Global Assistance builds upon the coverage provided in the Standard plan and offers additional benefits and higher coverage limits. The Preferred plan provides a generous 150% reimbursement for unavoidable trip interruptions. It grants travelers a travel delay reimbursement of up to $1,000 per person. Moreover, emergency assistance or transportation coverage is set at $500,000 per person, and in case of lost baggage, travelers can benefit from up to $1,500 per person.
Premium
Generali’s Premium plan presents a comprehensive coverage package that caters to various situations. Should your travel be disrupted due to uncontrollable circumstances, you can expect an impressive reimbursement of up to 175% of the trip cost. Additionally, the Premium plan includes travel delay reimbursement of up to $1,000 per person and emergency assistance or transportation coverage of up to $1 million per covered individual. In the unfortunate event of lost baggage, the plan provides up to $2,000 per person to cover replacement expenses such as toiletries, clothing, and other necessities during the waiting period.
Ideal for travelers with valuable baggage, sporting equipment, or pre-existing medical conditions, Generali’s Premium plan offers the highest available benefit limits along with additional coverages.
Here’s a comparison chart of the three Generali insurance plans.
| Standard | Preferred | Premium | |
| Trip Cancellation | 100% | 100% | 100% |
| Trip Delay | $1,000 ($150/daily) | $1,000 ($200/daily) | $1,000 ($300/daily) |
| Trip Interruption | 125% | 150% | 175% |
| Baggage | $1,000 | $1,500 | $2,000 |
| Baggage Delay | $200 | $300 | $500 |
| Sporting Equipment | N/A | $1.5K | $2K |
| Sporting Equipment Delay | N/A | $300 | $500 |
| Missed Connections | $500 | $750 | $1,000 |
| Emergency Assistance/ Transportation | $250K | $500K | $1M |
| Medical and Dental | $50K | $150K | $250K |
| Accidental Death & Dismemberment – Flights | $100K per plan; $50K per person | $150K per plan; $75K per person | $200K per plan; $100K per person; |
| Accidental Death & Dismemberment – Other | N/A | $25K per person; $50K per plan | $100K per plan; $50K per person |
| Financial Insolvency Coverage | N/A | Covered w/ limitations | Covered w/ limitations |
| Preexisting Medical Conditions Coverage | N/A | N/A | Covered w/ limitations |
| Telemedicine | Covered | Covered | Covered |
| Identity Theft Resolution Services | Covered | Covered | Covered |
| COVID-19 Coverage | Covered | Covered | Covered |
| Concierge Services | Covered | Covered | Covered |
| 24/7 Travel Support | Covered | Covered | Covered |
Additional Coverage
1. Cancel for any reason (CFAR)
Generali’s Premium plan goes beyond standard coverage by offering Cancel for Any Reason (CFAR) coverage. This rider provides reimbursement for nonrefundable expenses associated with the cancellation of your pre-paid travel arrangements. With CFAR coverage, you are eligible to receive 60% of the total nonrefundable cost of your travel.
It’s worth mentioning that CFAR upgrades are not applicable to the Preferred and Standard plans. Additionally, residents of New York are not eligible for CFAR coverage under Generali’s Premium plan.
2. Rental car damage
Travelers have the option to purchase rental car coverage as part of their policy. Customers of Generali’s Premium plan already enjoy rental car protection of up to $25,000 Covereduded in their policy benefits. Preferred and Standard plans can opt to purchase rental car coverage with the same coverage amount.
Please note that residents of Texas are not eligible for rental car coverage as part of the travel insurance policy. If you are uncertain about the specific coverage limits, we recommend reviewing the terms and conditions of your auto insurance or contacting your insurance provider directly
3. COVID-19 Coverage
If one of the people part of the trip is diagnosed with COVID-19, during or before the trip, and meets coverage requirements for sickness, you can claim for trip interruption, trip cancellation, travel delay, or dental, medical, and emergency assistance or transportation coverage.
If you are required to isolate at your destination due to COVID-19 and this leads to a delay in your return, Generali Travel Insurance may provide coverage for additional lodging expenses.
Cost of Insurance
Generali travel insurance pricing is determined based on the specific details of your individual trip. As mentioned on their website, average travel insurance prices typically range from 4% to 12% of the total trip cost. To obtain a personalized quote, you can visit Generali’s website, where you can receive an instant, no-obligation quote tailored to your travel needs.
A family of four traveling to Cancun Mexico for 7 days in February has a total trip cost of $4,000. For this family comprised of a 7-year-old, a 2-year-old, and 40-year-old parents, the cost of Standard insurance is $258, Preferred is $367, and Premium is $465.
A 34-year-old single traveler embarking on a 9-day Europe Trip, with plane, train, and hotel expenses will get the following prices: $86 for the Standard plan, $100 for the Preferred plan, and $115 for the Premium plan.
How to File a Claim?
You can initiate a claim with Generali by visiting their eClaims portal. Alternatively, if you prefer to seek assistance over the phone, you can reach out to Generali’s claims department directly at 800-541-3522. Generali assures that all insurance claim calls will be returned within one business day.
To support your claim with Generali, it is essential to provide appropriate documentation that validates the nature of your claim. This may include proof of travel delay from the airline. For lost baggage claims, relevant claim checks or documentation from the airline or baggage handling authorities can serve as supporting evidence.
Feedback and Support
While Generali strives to provide prompt service and timely claims processing, it appears that there have been instances where customers experienced delays in claim reviews, with some waiting for over 30 days without any updates. If you have been waiting for a response to the progress of your claim for an extended period, it is advisable to reach out to Generali’s customer service for an update.
For any questions or inquiries related to claims, you can reach out to Generali’s claims team via email at claims@generalitravelinsurance.com. They will be able to provide you with the necessary support and guidance regarding your claim.
Conclusion
Generali provides an extensive range of coverage options that go beyond traditional travel insurance. Alongside travel insurance, they offer additional coverage options such as identity protection, cyber security, and home care. Considering the comprehensive coverage options and the availability of round-the-clock emergency support, Generali Global Assistance Travel Insurance is a top choice for those seeking robust emergency support services.
