Generali Global Assistance offers a simple approach to travel insurance by providing potential customers with three policy options tailored to their specific travel needs. There are no annual or multi-trip options, but you can add certain upgrades, such as CFAR and rental car coverage.
In our Generali Global Assistance travel insurance review, we cover the basics of its policies, how much they cost, and what they typically exclude.
Generali Global Assistance travel insurance rating
Star rating: 4.4 out of 5 ⭐
Generali doesn’t quite make our list of the best travel insurance companies, but it’s still a highly rated provider that deserves a look, especially if you want a single-trip plan. Generali policies offer ample coverage, including up to $250,000 in emergency medical protection, as well as options for preexisting medical conditions and CFAR coverage. However, those options are only available on the Premium plan.
Read more about our methodology: Best travel insurance companies
Generali Global Assistance travel insurance pros and cons
What does Generali Global Assistance travel insurance cover?
Trip protection
-
Trip cancellation: Reimburses up to 100% of your nonrefundable trip costs if you cancel for a covered reason.
-
Trip interruption: Reimburses up to your coverage limits for nonrefundable trip costs if you interrupt your trip for a covered reason.
-
Travel delay: Covers reasonable expenses, such as meals and overnight lodging, for eligible delays.
-
Missed connection: Can help reimburse reasonable expenses, such as additional transportation or meals, if you miss a connection for a covered reason.
-
Financial insolvency: Includes the financial insolvency of a supplier as part of trip cancellation coverage.
Medical coverage
-
Medical and dental: Reimburses for emergency medical and dental costs that aren’t covered by your personal health insurance plan.
-
Emergency assistance and transportation: Covers emergency medical evacuations or medically necessary transportation. This can also cover the repatriation of remains.
-
Accidental death and dismemberment (air flight accident): Provides payment for a covered loss of life, limb, or sight. This AD&D coverage is specifically for accidents on flights.
-
Accidental death and dismemberment (travel accident): Provides payment for a covered loss of life, limb, or sight that results from an accident during your travels, but not while using an air carrier.
-
Preexisting medical conditions: Waives the preexisting medical condition exclusion.
Personal belongings
-
Baggage: Reimburses you for damaged, lost, or stolen baggage during your trip.
-
Baggage delay: Covers the cost of reasonable expenses, such as clothes and other personal items, for eligible baggage delays.
-
Sporting equipment: Reimburses you for damaged, lost, or stolen sporting equipment during your trip.
-
Sporting equipment delay: Can help reimburse you for the cost of locating your delayed equipment and having it returned to you.
Optional upgrades
-
Rental car damage: Provides rental car coverage against collision, theft, vandalism, natural disasters, and any other cause beyond your control.
-
Trip cancellation for any reason: Allows you to cancel your trip for just about any reason not covered by your standard trip cancellation coverage. This is typically known as cancel for any reason (CFAR) coverage.
What does Generali Global Assistance travel insurance not cover?
Generali Global Assistance travel insurance policies generally don’t cover:
-
Adventure activities, such as mountain climbing, bungee cord jumping, skydiving, parachuting, and more
-
Elective treatment and procedures
-
Normal pregnancy
-
Pandemic and/or epidemic
-
Reasonably foreseen or expected events
-
Unlawful acts
Generali Global Assistance travel insurance plans and coverage limits
Generali Global Assistance offers these travel insurance plans:
-
Standard: A basic travel insurance plan that includes essential protections, such as trip cancellation and interruption, baggage coverage, and emergency medical and dental coverage.
-
Preferred: A mid-tier travel insurance plan that includes everything on the Standard plan and adds sporting equipment coverage. This plan also generally provides higher coverage limits.
-
Premium: A top-tier travel insurance plan that increases coverage limits across the board and allows for preexisting medical conditions and CFAR coverage.
How much does Generali Global Assistance travel insurance cost?
Using the Generali Global Assistance website, we checked travel insurance rates for a 35-year-old traveler from Iowa with a two-week itinerary and a total trip cost of $5,000. We ended up with a range of $154.50 to $218.70, depending on the plan.
How does this compare to other travel insurance plan costs?
Generali Global Assistance travel insurance premiums are fairly consistent with competitor pricing. However, Generali policies don’t include annual plans or options for medical coverage without trip cancellation protection, which is why Generali premiums don’t tend to fall below $100 or rise above $300, though it can depend on the specific policy details.
Generali Global Assistance travel insurance FAQs
Is Generali Global Assistance a good travel insurance company?
Yes, Generali Global Assistance is generally considered a good travel insurance company because of its A+ (Superior) Financial Strength Rating from AM Best and for having over 35 years of experience in the travel insurance industry.
What does Generali Global Assistance cover?
Generali Global Assistance offers many essential travel insurance protections, including coverage for:
-
Accidental death and dismemberment
-
Baggage loss and damage
-
Baggage delay
-
Emergency assistance and transportation
-
Emergency medical and dental
-
Missed connection
-
Trip cancellation and interruption
-
Travel delay
What are Generali’s ratings for customer satisfaction?
Generali has a 0.76 NAIC complaint ratio, indicating its complaint rate is lower than the market average.
What is the difference between Allianz and Generali travel insurance?
These are some of the main differences between Allianz and Generali travel insurance:
-
Allianz offers annual plans, while Generali does not
-
Allianz provides a longer “free look” period than Generali
-
Allianz offers CFAR coverage on multiple policies, while Generali only offers it on its Premium plan
-
Allianz has a lower NAIC complaint ratio
-
Allianz offers a mobile app for managing policies and filing claims, while Generali provides a web portal
-
Generali offers higher medical coverage limits than Allianz
Who underwrites Generali travel insurance?
Generali U.S. Branch is the underwriter for Generali travel insurance.
