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Generali Global Assistance offers three comprehensive travel insurance plans: Standard, Preferred and Premium.
All plans include medical and medical evacuation coverage, as well as coverage for lost/damaged baggage and trip cancellations, delays and interruptions.
You can purchase rental car coverage as an add-on for any of the three plans.
Generali has excellent ratings of A+ from the Better Business Bureau and A from AM Best. Generali customers give the provider 4.34 stars out of 5!
Customer reviews highlight an easy claims process, clear terms and helpful customer service.
To easily view all travel insurance plans available, try using an online comparison tool.
SUMMARY
With over three decades in the industry, Generali Global Assistance stands out as a reliable travel insurance provider.
The company offers three plans with various coverage options that cater to your specific travel needs.
In the Generali review, we’ll break down its offerings and give insight into customer experiences to help you decide if this provider is the right choice for your travel insurance.
Pros & Cons
Pros
A+ from the Better Business Bureau
High medical and medevac limits
Every plan includes coverage for trip cancellation
Higher cancellation limits
Cons
Pre-existing conditions only covered in the premium plan
** As one of the largest travel insurance brands in the world, Generali offers great travel coverage for medical emergencies, travel delays, trip interruptions, and more.**
What sets Generali apart from the competition is that it offers comprehensive coverage even with its cheaper basic plans. Generali can also reimburse you up to 175% for trip interruptions which is 25% than most other providers. These are just some of the reasons why the Generali Standard plan is one of the top 5 most popular travel insurance policies sold on LA Times.
Generali has over 32 years of experience insuring customers and is accredited by the Better Business Bureau which gives Generali an A+ rating. Generali also boasts an AM best financial rating of A (excellent), which means the company isn’t likely to fail, so it’s a safe bet for your money.
Here’s a look at the main highlights and benefits of Generali travel insurance.
Main highlights of Generali travel insurance
The most important point to note about Generali is that it offers extremely comprehensive travel coverage at a lower price point than many large providers.
All three plans offered by Generali Global Assistance have high medical and medical evacuation coverage limits, giving you extra peace of mind for both domestic and international trips. This can be especially beneficial if you plan to travel to a remote area where you may need much higher medevac insurance limits.
In addition to Generali’s solid medical coverage, each plan includes higher-than-average coverage for trip cancellations, trip interruptions, travel delays, and lost/damaged baggage.
Best Generali travel insurance plans
Generali’s three travel insurance plans are the Standard, Preferred and Premium plans.
This insurance plan is great for travel within the United States, North America and the Caribbean. It comes with $50,000 in medical insurance per person, which is ideal for supplementing your existing U.S. health insurance plan. The Standard plan also includes $1,000 in coverage for lost or stolen baggage, $200 per person for baggage delays and up to $250,000 in emergency assistance and transportation benefits.
Unlike the Standard plan, the Generali Preferred plan has coverage limits that are high enough for most trips abroad. This plan offers higher limits on all of the benefits found in the Standard plan, plus a few other extras. These include dental coverage, added accidental death and dismemberment (AD&D) benefits, and insurance for lost or damaged sports equipment. This is a solid mid-level plan suited for most travelers.
This insurance plan is best for premium coverage on international trips or trips to remote locations where you may need higher plan limits and payouts. It comes with $250,000 of medical coverage per person and $2,000 per person in baggage coverage. The Premium plan also includes rental car coverage as a standard benefit.
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What does Generali Travel Insurance cover?
Plan name
Generali Standard
Generali Preferred
Generali Premium
Covers covid
YES
YES
YES
Type of medical coverage
Secondary
Secondary
Secondary
Emergency medical
$50,000
$150,000
$250,000
Medical evacuation repatriation
$250,000
$500,000
$1,000,000
Pre-existing conditions
NO
NO
NO
Extension of coverage
NO
NO
NO
Non-medical evacuation
NO
NO
NO
Trip cancellation
100% trip cost
100% trip cost
100% trip cost
Trip interruption
125% trip cost
150% trip cost
175% trip cost
Travel delays
10+ hours
8+ Hours
6+ hours
Missed connection
3+ hours Cruise & tour only
3+ hours Cruise & tour only
3+ hours Cruise & tour only
Baggage loss
YES
YES
YES
Baggage delay
24+ hours
18+ hours
12+ hours
24-hr accidental death
NO
$25,000
$50,000
Flight-only accidental death
$50,000
$75,000
$100,000 $200,000 policy limit
Common carrier accidental dealth
NO
NO
NO
Sports activities
NO
NO
NO
Sports equipment loss
NO
NO
NO
Sports equipment delay
NO
NO
NO
Sports fees
NO
NO
NO
Rental car damage
Optional Add on
Optional Add on
$25,000
Money back guarantee
YES
YES
YES
24-hr assistance service
YES
YES
YES
Cancel for any reason
NO
NO
NO
Optional rental car collision damage waiver
Generali Global Assistance also offers $25,000 in rental car damage protection. This is an optional benefit, so it doesn’t come standard with any of the three insurance plans described above. However, you can pay extra to opt in and get upgraded benefits.
If you add this type of insurance to your plan, you’ll be covered for losses due to vandalism, collision, inclement weather and theft.
The company will pay the lesser amount of the following:
The cost to repair the vehicle and any rental fees charged while it’s out of service
The cash value of the vehicle
This type of travel insurance doesn’t apply to vehicles that are more than 20 years old, vehicles used for commercial purposes or vehicles with a manufacturer’s retail price exceeding $75,000. There are some additional exclusions, so read your travel insurance policy carefully to ensure you understand what’s covered.
Things not covered by Generali Assistance USA Travel Insurance
Generali Global Assistance offers comprehensive travel insurance, but its plans don’t cover everything.
These items are excluded from the Standard, Preferred and Premium insurance plans:
Financial defaults: In the insurance industry, financial default coverage protects you in the event that a travel supplier suspends its operations due to financial difficulties. Generali’s travel insurance plans don’t come with this type of coverage.
Cancel for any reason:Cancel-for-any-reason travel insurance allows you to recoup your costs for any reason, even one that isn’t listed as a “covered reason” under your basic trip cancellation coverage. Generali offers this type of insurance as an add-on, but cancel-for-any-reason coverage isn’t included with the Standard, Preferred or Premium plans.
Pre-existing conditions: When you’re looking at travel insurance, a pre-existing condition is any health problem that you had before you booked your trip. Unless you purchase an add-on, Generali doesn’t provide any coverage for these conditions. The company has a 180-day lookback period, which means your illness or injury must be stable for at least 6 months if you want a pre-existing condition waiver.
Cost of Generali travel insurance plans
According to sales data from visitors to our website, the average cost of a Generali Global Assistance travel insurance plan is $282.95 for a 14-day trip.
Of course, many factors go into determining the cost of travel insurance, such as:
The type of coverage
The number of travelers
Your age
The length of the trip
Your destination
To give you a general idea of how much Generali travel insurance plans cost, we got various quotes for the Standard, Preferred and Premium plans. For all quotes, we used California as the state of residence.
Example Quotes from Generali Global Assistance
Trip details
Standard plan
Preferred plan
Premium plan
One traveler age 30, 7 days in the Bahamas, trip cost of $2,000
$56
$66
$81
Family of four, 7 days in Florida, trip cost of $6,000 (two adults age 40 + two children)
$180
$212
$264
Two travelers age 45, 10 days in England, trip cost of $7,500
$242
$280
$322
One traveler age 50, 14 days in France, trip cost of $5,000
$155
$179
$206
Two travelers age 60, 15 days in China, trip cost of $10,000
Customer reviews of Generali on Squaremouth give the provider an overall rating of 4.3 stars out of 5. Reviews left on Trustpilot were slightly worse with an average score of 3.5 stars.
Below is a summary of recurring topics we found among Generali travel insurance reviews left by real customers.
Customers have mentioned the following as some of the major benefits of purchasing travel insurance from Generali:
Easy claims process
Clear terms of service
Helpful customer service agents
Here are a few comments from satisfied reviewers:
Tatiana from California:“It gave me a peace of mind, and I will use it again in the future.”
Kathryn from New York:“The insurance company sent me a notification and asked if I needed their assistance. I refused because I had a courtesy well check from the hotel physician and was fine. I was extremely pleased with the company’s immediate follow up.”
What customers don’t like
Although this travel insurance provider has thousands of positive reviews, past customers have pointed out a few drawbacks to using Generali:
Slow to reimburse
Difficulty connecting with a live agent
Cumbersome documentation requirements
These reviewers provided negative feedback:
AJ from Massachusetts:“I tried to file a claim; their online claims module failed miserably. It kept rejecting my UN and PW, even though I was logged in and using the same credentials, as required, for the claims site.”
Rinnea from Illinois:“They say claim is under review. It has been since August 18 when they received claim. It is now October 17 and nothing.”
Is Generali travel insurance worth it?
Buying travel insurance from Generali is definitely worth it. It’s a well-established company with several plans to suit your unique needs.
The Standard plan was one of the best-selling plans on our website over the past year, indicating it was one of the most popular options with customers.
Generali is right for customers who need comprehensive travel insurance and don’t want to spend time picking from 10 or 12 plans. Although the company only offers three types of travel insurance, each plan includes valuable benefits.
The Standard plan is ideal for budget-conscious consumers who need travel insurance and don’t want to spend a lot of money. Generali’s standard benefits are well-suited for people taking trips within the United States, Canada, Mexico and the Caribbean.
Generali’s Preferred travel insurance is ideal if you’re traveling internationally or planning an expensive trip within the United States. It increases the limits on standard benefits and adds dental coverage, travel insurance for lost or damaged sports equipment and extra AD&D coverage.
Premium travel insurance is best for travelers who plan to travel overseas or spend time in remote locations, as it costs a lot more to get emergency care in a remote area than it does in a big city. The Premium plan comes with high coverage limits and adds rental car coverage as a standard benefit.
If you’re looking for a larger selection of plans, you may want to go with a different travel insurance provider.
Here are our top picks for the best alternative plans
Yes. Although the company only offers three travel insurance plans, each one comes with solid coverage limits. Every plan also includes coverage for trip delays, trip interruptions, trip cancellations and lost/stolen baggage, which is unusual for such inexpensive travel insurance. Depending on which plan you purchase, Generali Global Assistance may reimburse you for anywhere from 125% to 175% of your trip cost for travel interruptions.
Does Generali cover COVID-19?
Yes. Each travel insurance policy covers COVID-19 as part of its standard benefits. For example, if you come down with COVID-19 after your trip begins, the company may reimburse you for all non-refundable expenses under the terms of your trip interruption coverage. You may also be able to use trip cancellation coverage, medical benefits, medical evacuation insurance or other travel insurance benefits to recoup your costs.
Does Generali include 24/7 travel assistance?
Yes. The company offers 24/7 travel assistance for customers who need help navigating international medical systems, finding emergency medical resources, using travel insurance benefits or returning home due to a medical emergency.
Does Generali travel insurance come with a money-back guarantee?
If you aren’t happy with the coverage you purchased from Generali Global Assistance, you have 10 days from the date of purchase to contact the company and cancel. As long as you haven’t started your trip or filed a claim, Generali will reimburse you for the full cost of your plan. Note that Indiana residents are eligible for a refund up to 30 days after the original purchase date.
Does Generali have an app for travel insurance claims?
Generali doesn’t have an app for submitting travel insurance claims. However, it does have an online portal. You can always use your smartphone or tablet browser to access the portal and start the claims process.
Does Generali travel insurance cover trip cancellations?
Yes. Unlike many insurance providers, Generali includes trip cancellation coverage as a standard benefit with all three of its plans. If you have to cancel your trip for a covered reason, the company will reimburse you for any prepaid, non-refundable expenses. For example, if you paid $1,500 for flights and can’t get a refund from the airline, you may be eligible for reimbursement from Generali.
Does Generali travel insurance work abroad?
Yes. All three of Generali’s insurance plans work abroad, but we recommend that you buy the Preferred plan or the Premium plan if you intend to do any international travel. These plans have higher limits than the Standard plan, so they’re more helpful if you have some type of emergency while you’re overseas.
Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.
In the last five years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.
In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.
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