We picked Generali’s Premium plan because it provides very good benefits at a decent average price. It has excellent trip interruption insurance and very good baggage loss coverage. We also like that those with pre-existing conditions can get coverage as long as they buy a Premium policy up to or within 24 hours of their final trip deposit.
Generali Global Assistance Travel Insurance Plans
Generali Global Assistance is a travel insurance company that sells a wide range of policies that can appeal to both domestic and international travelers.
The best travel insurance policies bundle together various types of coverage that provide valuable benefits if the unexpected happens before or during your trip.
Here are key types of benefits included in Generali Global Assistance travel insurance policies:
- Trip cancellation insurance: Your trip cancellation insurance reimburses pre-paid, non-refundable costs if you cancel a trip for a reason listed in your policy.
- Travel delay insurance: If an unexpected glitch in your itinerary delays your trip, travel delay insurance reimburses extra costs, such as a hotel room for an overnight layover, up to the amount specified in your policy. It can also help you recoup pre-paid, non-refundable deposits for any parts of your trip you miss because of a delay.
- Travel interruption insurance: If an emergency back home causes you to return earlier than planned, trip interruption insurance can pay for a last-minute flight and reimburse pre-paid, non-refundable outlays for portions of the trip you miss.
- Travel medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the limits in your plan. These expenses can include doctor and hospital bills, medicine and lab work. Your U.S. health plan may provide little or no coverage outside of the country, which is why travel medical insurance is essential if going abroad. Medicare is not accepted in foreign countries.
- Emergency medical evacuation: If you need emergency transportation after being injured or getting sick during your trip, emergency medical evacuation insurance helps pay for medevac services to get you to the nearest medical center that can treat your condition. Your travel insurance company’s emergency assistance team can also arrange for the transportation.
- Baggage and personal effects: This coverage reimburses the depreciated value of your suitcases and items you packed. Baggage travel insurance compensates you up to your policy limits if your luggage is lost or stolen. If your luggage shows up late, baggage delay coverage can reimburse you for the cost of necessities you buy to tide you over. It also compensates for the depreciated value of your personal belongings if they are lost, damaged or stolen during your vacation. Some exclusions apply, so check your policy to see what’s covered.
- Covid: Covid is covered by all Generali’s travel insurance policies. If you get Covid after you buy travel insurance and have to cancel your trip, Generali Global Assistance plans reimburse you for 100% of what you lose in pre-paid and non-refundable deposits. If you contract Covid while traveling, Generali Global Assistance plans can cover associated medical costs, up to your policy limits. If a positive Covid test requires you to quarantine and delay your trip home, you can be reimbursed for additional days at a hotel. Your travel insurance coverage can also be extended and will end either on the date you get home or seven days after your scheduled return date, whichever comes first.
Optional Add-ons
Generali’s travel insurance upgrades can include:
- Car rental car coverage. $25,000 for damage from collision, theft, vandalism or severe weather is available as an add-on to the Standard and Preferred plans. (It is included with the Premium plan.)
- “Cancel for any reason” coverage. Available for the Premium plan.
Cost of Generali Travel Insurance Plans
What you pay for travel insurance generally varies by your age and trip cost. Here are examples of prices for Generali Global Assistance’s Premium travel insurance plan.
| Travelers and trip | Cost per trip for the Generali Premium policy |
|---|---|
Two travelers age 30, $3,000 trip cost, traveling to Mexico for 8 days | $181.14 |
Two travelers age 40, $6,000 trip cost, traveling to Italy for 17 days | $322.90 |
Family with two parents age 40 and two children, $15,000 trip cost, traveling to Italy for 17 days | $691.60 |
Family with two parents age 40 and two children, $15,000 trip cost, traveling to France for 17 days | $691.60 |
Family with two parents age 40 and two children, $15,000 trip cost, traveling to the U.K. for 17 days | $691.60 |
Two travelers age 65, $6,000 trip cost, traveling to the Italy for 17 days | $544.04 |
Two travelers age 70, $3,000 trip cost, traveling to the Mexico for 8 days | $345.92 |
Does Generali Travel Insurance Have 24/7 Travel Assistance?
Generali’s plans include access to the company’s 24/7 travel assistance hotline. Here are some of the services provided:
- Locating medical care
- Replacement of medications and eyeglasses
- Legal referrals
- Information on passport and ticket replacement
- Emergency cash transfers
- Language interpretation
- Emergency message relay to friends, family or doctors
- Telemedicine consultations with physicians
What Does Generali Global Assistance Travel Insurance Not Cover?
All travel insurance plans contain exclusions, so it’s good to review the fine print so you’re familiar with what your travel insurance policy doesn’t cover.
Here are some examples of exclusions to emergency medical coverage for Generali’s Premium plan:
- Intentionally self-inflicted injury
- Normal pregnancy or childbirth
- Mental, nervous or psychological disorders
- Elective medical procedures
- Injuries due to intoxication or drug abuse
- Routine physical examinations
- Injuries caused by participation in sports competition or events
- Injuries from mountain climbing, skydiving, hang gliding, parasailing or bungee jumping
How To File a Claim with Generali Global Assistance Travel Services
You can file a claim on the company website, or by calling the Generali Global Assistance claim service number: (800) 541-3522. If you have questions about filing a claim, you can also email the company at: claims@generalitravelinsurance.com.
Methodology
Forbes Advisor researched and analyzed 39 policies to find the best travel insurance. When companies had more than one travel insurance policy we used the highest-scoring plan. Ratings are based on the following metrics.
Cost (25% of score): We analyzed the average cost for each travel insurance policy for trips to popular destinations:
- Couple, age 30 for a Mexico trip costing $3,000.
- Couple, age 40, for an Italy trip costing $6,000.
- Family of four for an Italy trip costing $15,000.
- Family of four for a France trip costing $15,000.
- Family of four for a U.K. trip costing $15,000.
- Couple, age 65, for an Italy trip costing $6,000.
- Couple, age 70, for a Mexico trip costing $3,000.
Missed connection coverage (10% of score): Travel insurance policies were awarded more points if they include missed connection benefits of $1,000 per person or more.
Medical expenses (10% of score): Travel insurance policies with travel medical expense benefits of $250,000 and up per person were given the highest points.
Medical evacuation (10% of score): Travel insurance policies with medical evacuation expense benefits of $500,000 and up per person were given the highest points.
“Cancel for any reason” upgrade (10%): Travel insurance policies received points if “cancel for any reason” upgrades are offered. More points were awarded for “cancel for any reason” upgrades with reimbursement levels of 75%.
Baggage delay required waiting time (5%): Policies with baggage delay benefits kicking in at 12 hours or less were given points.
Cancel for work reasons: (5%): Travel insurance plans that allow cancellations for work reasons were awarded points.
Hurricane and weather (5%): Policies received points if the required waiting period for hurricane and weather coverage was 12 hours or less.
“Interruption for any reason” upgrade (5%): Policies were awarded points if they offered an “interruption for any reason” upgrade.
Pre-existing medical condition exclusion waiver (5%): Points were given to policies that cover pre-existing medical conditions (if purchased within a required timeframe after the first trip deposit).
Travel delay required waiting time (5%): Policies with travel delay benefits kicking in after six hours or less were given points.
Trip interruption travel insurance (5%): Points were given if trip interruption reimbursement is 150% or higher.
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