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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.

How is Generali Global Assistance rated?

Breakdown

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

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

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
Display Less
3 More

Concierge Assistance Services

  • Restaurant/Event Referral and Reservation
  • Ground Transportation Recommendations
  • Weather Advisories
  • Gift Delivery
Display Less
1 More

Homepage URL
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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Rich J
3/15/2020
Rich San Diego, California 3/12/20 We had a cruise planned for the middle of March that went to New Zealand, Tasmania and Australia. A month earlier I was diagnosed with basal cell carcinoma on my nose which required my surgeon to use the MOHS procedure to remove skin and tissue down to my cartilage. Due to the procedure and pending subsequent skin graft and care, we had to cancel our trip. Generali was great at answering all my questions and providing a way to print out the necessary forms to file a cancellation claim. Unfortunately, my calls to them were being made at the same time others were calling regarding their insurance and the coronavirus. Yes, I did not get through to... Read More

Generali  
Official Response

of Generali Global Assistance Travel Insurance
Thank you Rich. We're sorry to hear of your illness but so glad we could help. Thanks for your review.

Ann K
3/12/2020
THEY DO NOT COVER FOR CORONA VIRUS CANCELS> Do not purchase. Impossible to get a refund for the insurance and impossible to make a claim without a positive test which is next to impossible to get anywhere.

Generali  
Official Response

of Generali Global Assistance Travel Insurance
We're sorry to hear of your frustrations but we were unable to locate a policy under your name. We'd be happy to review your claim if you could send your policy # or name of the policyholder to us at marketing_ecommerce@generalitravelinsurance.com . Coverage for Coronavirus does vary by plan purchased.

jen.fisher7
2/28/2020
The travel insurance is useless for trip cancellations. It is actually just a scam. My upcoming trip to Kuwait City was canceled by my University that required my attendance at the Middle Eastern Psychological Association Conference (MEPA). The conference and ALL public activities in Kuwait have been canceled commencing March 1 -15 (to date) within the nation in efforts to contain current outbreak of COVID-19 virus by the Kuwaiti government. This company will not honor or pay out the cancellation for this event. I called their number and 7 times yesterday and was directed to a callback cue where I left a callback number and did not receive a callback. Then I started again today only to... Read More

Generali  
Official Response

of Generali Global Assistance Travel Insurance
We're sorry to hear of your experience. We take customer service and the claims process very seriously and want our customers to understand their coverages. It appears the policy you bought was from JustFly and it does not contain any coverages for government shutdowns or travel restructions due to Coronavirus. Like other types of insurance, travel insurance cannot cover everything. We cannot stress enough the importance of reading the plan coverages to ensure you are purchasing a plan that best fits your needs.

L G
2/10/2020
DO NOT BUY TRIP INSURANCE FROM THIS COMPANY. IF YOU ARE A CLUB MED TRAVELER AND THINK YOU CAN GO TO A REMOTE LOCATION AND THEN GET VERY SICK AND KNOW YOU HAVE TO GET HOME WHILE YOU CAN STILL STAND ON YOUR OWN TWO FEET AND YOU THINK THEY WON'T TRY TO SCREW YOU OUT OF COVERAGE, GUESS AGAIN!! I CAN'T IMAGINE IF YOU ARE COUNTING ON THEM FOR HOSPITALIZATIONS, GETTING AIRLIFTED TO SAVE YOUR LIFE FROM SERIOUS COMPLICATIONS FROM SCUBA, GOOD LUCK. YOU'D BETTER TRAVEL WITH THE PHYSICIANS FORM ON YOU TO FILL OUT BECAUSE OTHERWISE YOU ARE DEAD IN THE WATER. WE BARELY HAD ENOUGH PHONE COVERAGE TO EVEN CHANGE OUR FLIGHT. PLUS YOU CAN'T EVEN GET THE CORRECT FORMS THEY WANT UNTIL YOU FILE A CLAIM AND GET... Read More

Generali  
Official Response

of Generali Global Assistance Travel Insurance
We're sorry to hear about your sickness and issues. In order to claim trip interruption due to illness, you must visit a physician as noted in the policy. Our travel assistance team is available 24/7 to help you locate a local doctor or resorts like Club Med have physicians on call. We take the claims process very seriously and want our customers have confidence in their purchase. We cannot stress enough how important it is to read through your policy coverages and ask questions of our team, should you need any clarification.

R
Robert M
10/21/2019
Took a 21 day cruise and had a seizure on board the ship. All ship invoices have to be procured at a cost before leaving ship or larger fees. My medicare secondary insurance became my primary for Generali. The medicare secondary paid promptly for over half of the bill but since Generali (stalling Tactic) couldn't agree with the Explanation of Benefits from them ,they are still denying their part of the claim going on 9 months. They want me to do their work. I guess a lawyer will get it all. I paid for nothing but excuses.

Generali  
Official Response

of Generali Global Assistance Travel Insurance
We're very sorry to hear of your frustrations. We have processed your claim for the documentation we have received and provided an additional outline of what is still required. We are happy to review the additional items once received.

P
Peter L
7/16/2019
At first I thought it was a misunderstanding that would be remedied once we discussed the matter. My wife and I planned to take family members on a trip to France. We undertook to pay for lodging and train travel in Europe. They would only have to pay for air fare and incidentals. And for one cousin who is celebrating a significant birthday this year, we went a step farther and undertook to pay her air fare from SFO to Paris. Knowing how much we were likely to spend for all of this we insured the trip for $9,500. Shortly before the trip my wife was injured and hospitalized. The trip was cancelled and we filed a claim for trip cancellation coverage. Generali reimbursed us for all of the... Read More



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