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Generali Global Assistance Travel Insurance Review


ConsumersAdvocate.org Rating: 4.3 / 5 (Excellent)
106 Customer Comments & Reviews - see all comments
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Based in San Diego, California and founded in 1963, Generali Global Assistance provides travel insurance, travel assistance services, identity theft resolution services, and risk management.

The company's services are accessible anywhere in the world and they maintain a BBB accreditation of A+. Generali Global Assistance operates as a subsidiary of Europ Assistance Holding S.A. and their travel insurance business evolved from CSA Travel Protection.
 
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How Do We Rate Generali Global Assistance?

Breakdown

4.5/5
Coverage
4.5/5
Extra Benefits
4.0/5
Financial Strength
4.0/5
Price & Reputation

Our Overall Rating: 4.3 / 5 (Excellent)

Generali scored high with us because, as travel insurers go, they offer some of the most comprehensive coverages, highest payout maximums, and many additional policy features other providers don't.

All standard trip interruption and cancelation reasons are provided for, and then some. Additionally, the company has generous provisions for baggage and trip delays. Generali really shines when it comes to its traveler assistance services.

Along with all the usual customer assistance features, the company also makes provision for such things as specialty food delivery, an emergency cash advance of $500, and travel companion meet and greet services. Pound for pound, one of the most extensive offerings out there.

Generali Global Assistance Plans & Coverage

Coverage - 4.5 / 5

Generali offers some of the highest payout maximums in travel insurance coverage of the plans we evaluate.

The company will cover up to a whopping $250,000 max for medical care, and up to $1 million for emergency medical transportation. There are three plan levels that, aside from a few items, only differ in maximum payouts for certain coverages.

The Standard (cheapest) plan only differs in that it won't provide reimbursement for sporting equipment damage or delay, and only provides accidental death & dismemberment coverage if injured in an air flight accident.

Generali also stands out in the trip interruption/cancellation category. They will reimburse up to 175% the cost of the trip due to trip interruption, and also provide a generous $1,000 travel delay reimbursement. If you purchase the premium plan, the coverage kicks in after a mere 6-hour delay.

Generali, unique among travel insurers, also provides trip cancelation coverage in the event of sickness/death of a service animal. In addition to all the standard trip cancellation reasons, the company also includes coverage if you are unable to get a vaccination necessary for travel, and coverage if you have to cancel due to notification of a successful organ match.

Some additional coverages of note include optional rental care damage coverage, up to $10,000 to transport a companion to your bedside if you are under emergency medical care, and reimbursement for unauthorized use of credit cards.
Available Plans
Comprehensive
Trip Cancelation/ Interruption
Medical
Baggage
Accidental Death
Trip Cancellation/Interruption Coverage
Injury/Illness/Death of Traveler
Injury/Illness/Death of Non Traveling Family Member
Natural Disaster at Destination
Tour Operator/Airline/Cruise Line Ceases Operation
Terrorism/Evacuation at Destination
Theft of Passport Prior to Trip
CFAR Coverage (Cancel for Any Reason)
Emergency Medical and Emergency Transportation Coverage
Doctor, Hospital, or Other Licensed Provider
Dental
Emergency Medical Evacuation/Repatriation
Transport Family Member to Bedside
Baggage Coverage
Lost/Damaged/Stolen
Baggage Delay Coverage
Exclusions
click here

Emergency Medical Coverage Details

Emergency Medical Pre-Existing Condition Coverage
Maximum Emergency Medical Reimbursement
$250,000
Maximum Emergency Medical Evacuation Reimbursement
$1,000,000
Deductible for Emergency Medical Coverage

Baggage Coverage Details

Maximum Baggage Reimbursement
$2,000

Generali Global Assistance Financial Strength

Financial Strength - 4 / 5

Generali, underwritten by the Generali U.S. Branch, has solid financial ratings from Moody's and AM Best.

Additionally, the company received an A- (Strong) financial strength rating (FSR) from Fitch Ratings. Generali Global Assistance has been in operation since 1963 and has as strong a financial presence as any other in terms of creditworthiness and claims-paying ability.
Underwriter
Generali U.S. Branch
Moody's Financial Rating
Ba1
AM Best Financial Rating
A

Generali Global Assistance Price & Reputation

Price & Reputation - 4 / 5

Generali is a BBB accredited business with an A+ grade, although the company has no presence on TrustPilot. Interestingly Generali does not have a single complaint registered with the NAIC.

Most impressive, however, is the company has an overwhelming number of positive reviews on Shopper Approved with a consistent 4.5+ star rating out of over 2,500 customer reviews.
BBB Rating
A+
Number of BBB Negative Reviews
47
Date Collected
2018-01-19

Generali Global Assistance Customer Assistance Services

Extra Benefits - 4.5 / 5

Generali boasts many more customer assistance services than standard among travel insurance providers.

These include identity theft resolution services, personalized retail shopping assistance services, procurement of hard-to-find items, limousine pick up of friends and business partners, pre-trip assistance, specialty food delivery, and booking golf tee times just to name a few.

Generali's 24-hour emergency hotline can be accessed from anywhere in the world and includes medical, travel, and concierge assistance services.
24/7 Support

Travel Assistance Services

  • Return Travel Arrangements
  • Rebooking
  • Lost Baggage Search
  • ATM Locator
  • Lost Passport/Document Assistance
  • Emergency Cash
  • Translation Services
  • Up to the Minute Travel Advisories

Emergency Medical Assistance Services

  • Physician Referral
  • Emergency Medical Case Management
  • Arrange Medical Payment Where Available
  • Emergency Prescription Replacement
  • Eyeglass Replacement Assistance
  • Update Family at Home
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3 More

Concierge Assistance Services

  • Restaurant/Event Referral and Reservation
  • Ground Transportation Recommendations
  • Weather Advisories
  • Gift Delivery
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1 More
Homepage URL
https://www.generalitravelinsurance.com
Company Phone
(800) 874-2442
Headquarters Address
4181 Ruffin Rd #150, San Diego, CA, 92123

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106 Customer Comments & Reviews

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igor.odessa
9/19/2024
I was planning a trip with my wife starting September 7, 2024 and ending September 24,2024. I purchased trip insurance policy on June 4, 2024 as soon as I bought the airline tickets and resort. Air lines cancel 9/7/2024 flight and issued tickets for September 9, 2024 with return date of 9/26/2024. Morning of September 9, 2024 my wife became sick. We went to doctor’s office and were told that my wife has a virus and ear infection. Doctor stated that flight will be vey painful for my wife and we had to cancel our trip. Portion of airline ticket were refunded and resort was kind enough to transfer our reservations for next year so we didn’t have to claim total amount. All we claimed is... Read More

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Official Response

Admin Box of Generali Global Assistance Travel Insurance
Thank you for your feedback, Igor. We’re sorry to hear about the circumstances surrounding your claim and for not meeting your expectations. We take customer service and the claims review process very seriously and strive to provide a fair, equitable and timely process for all customers. A dedicated claims team member is investigating your case further and will be in touch with you. If you have any additional questions in the meantime, please reach out to us at (800) 348-9505 or via email at customerservice@generalitravelinsurance.com.
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David S
12/4/2023
Generali Travel Insurance Experience: A Practical Guide Background: On my recent trip to China and Japan, I had to deal with Generali Travel Insurance for two separate claims: medical expenses and a delayed baggage issue. This review, based on my personal experience with Generali, might also be useful for dealing with other travel insurance companies. Before Purchasing Insurance: Key Tip: The amount of coverage you actually need is often less than the total trip cost. Generali's reimbursement policy focuses on the actual loss incurred, not the total trip cost. For instance, if a flight for your family costs $5000 but the fee to change tickets is only $800, Generali will cover the... Read More

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Official Response

Admin Box of Generali Global Assistance Travel Insurance
Thank you for your review, David. At Generali Global Assistance, we take the claims process very seriously and are pleased to hear that your claims were resolved. Thank you for choosing to #TravelSmarter.
Donna C
9/14/2023
This company has the worst possible communication I filed a claim the last of July and never heard from anyone. Despite multiple calls and left messages I still didn't receive a return call. By mid Sept. I have just recently been able to speak to a supervisor who confirms they are in receipt of all necessary information to make a decision on my claim but state this will take another 2 weeks. I am a recently diagnosed cancer patient in chemo. The added stress of trying to get a refund for weeks, on a trip that hD to be canceled is unbelievable

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Official Response

Admin Box of Generali Global Assistance Travel Insurance
Thank you for sharing your feedback, Donna. We're sorry to hear about the circumstances surrounding your claim and apologize for the delay as we take customer service and the claims review process very seriously. Our goal is to process claims within 30 days from the time that they're received, however, some cases can take longer to resolve. We're pleased to advise that your claim has since been resolved and you should have received a phone call as well as an email to your address on file from a dedicated team member. Please feel free to reach out to us at (800) 348-9505 or via email at claims@generalitravelinsurance.com with any additional questions or concerns.
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Arlyne
8/29/2023
This is a great insurance company that covered all my medical expenses for a year after my accident.

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Official Response

Admin Box of Generali Global Assistance Travel Insurance
That's great to hear Arlyne! Thanks so much for sharing your experience and choosing to #TravelSmarter.
jezibelle
8/28/2023
The agent I spoke with to purchase this policy was Justine. Very knowledgeable about many policy's and their coverage. Her patience and kindness exceeded her knowledge. Thank you for all the expert agents and the really "special" ones.

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Official Response

Admin Box of Generali Global Assistance Travel Insurance
Thanks for the feedback, Jezibelle! We will share it with our Customer Service Team.
englishlady80
8/3/2023
thank you received it all. We are hoping all goes well with our trip

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Official Response

Admin Box of Generali Global Assistance Travel Insurance
Thank you for your feedback, and your purchase. Some of your coverages are available to use now -- even before your trip. Visit https://www.generalitravelinsurance.com/travel-resources/services to learn more.
itsbertha
7/28/2023
Better price and coverage than others for my age group. Use of website was easy. However, a look at policy caused concern as coverage begins immediately rather than end of September when actual travel takes place. Does this invalidates coverage after end of travel date?

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Official Response

Admin Box of Generali Global Assistance Travel Insurance
We’re sorry it was difficult to find that information. Visit https://www.generalitravelinsurance.com/retrieve-policy.html to review the details of our travel insurance policies before or after purchase. Based on customer feedback like yours, we are working on better ways of making that kind of information available when buying travel insurance on our site. If you should have any additional questions about your policy, please reach our dedicated customer service team at 800-874-2442 or via email at customerservice@generalitravelinsurance.com. Thank you for your purchase.
Sue H
7/21/2023
Good value and coverage for the trip I am planning. Use of the website was easy and clear and communication with the company has been great.

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Official Response

Admin Box of Generali Global Assistance Travel Insurance
Hello Sue. Thanks so much for sharing your experience and choosing to #TravelSmarter. We will share your feedback with our Customer Service Team!
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Charlene
7/17/2023
So easy to use. Clear pricing and plan comparisons to make choosing the best plan for you effortless. Quick confirmation via email!

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Official Response

Admin Box of Generali Global Assistance Travel Insurance
That's great to hear Charlene! Our goal is to make generalitravelinsurance.com as user-friendly as possible. Thanks for the feedback!
vlad.iof52
7/15/2023
Very good coverage, easy and intuitive interface for choosing the right package

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Official Response

Admin Box of Generali Global Assistance Travel Insurance
We are happy you found the right coverage to fit your trip's needs. Thank you for your feedback and your purchase!
Our Partner

Trusted by Over 6 Million Travelers Annually

  • Medical & Dental Emergencies
  • Trip Delays, Interruptions & Cancellations
  • Coverage for Baggage & Personal Items
  • 24/7 Travel Assistance
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