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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 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
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
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
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

Loading Reviews ...
jcgirg
6/22/2022
My purchase of my plan was excellent, until I received my plan and it eliminated the last cancellation feature of the plan. This was a surprise to me, as it was not stated in the site as I made my selections. I called and talked to an associate and was advised this was due to my acquiring my plan after the period of initial deposit. My trip took time to plan and evolve, so I did not realize this requirement existed. I do not expect to cancel my plan for no reason, as that feature appears to address, but I think that point should be better explained on the web site during ordering. During ordering I did call and chat with a representative from Generali, while on the site. That... Read More

Marketing E  
Official Response

Admin Box of Generali Global Assistance Travel Insurance
Hello Mr. Greaves. We’re sorry our website did not meet your expectations. Like other travel insurance sites, we do not offer Cancel for Any Reason coverage beyond 24-hours of the initial deposit date. Within the /choose-a-plan page we ask for the Initial Deposit Date so that we can ensure that it is not able to be added if you are not within the applicable window. We also have a large red warning box that states “To add cancel for any reason to this product, your policy purchase date (today) must be prior to or within 24 hours of initial deposit date.” We will continue to monitor user feedback and adjust our warning if others have trouble with it. Thanks for sharing your experience.
andrewplog
6/7/2022
The site was easy to use and understand. I had a question about what to do if our 2-week vacation covered two different countries, and was able to call the support phone number and get assistance quickly. I was assured that as long as the two country visits fell within the dates of the policy, that it would be covered. The ability to easily compare the insurance options was also very helpful.

Marketing E  
Official Response

Admin Box of Generali Global Assistance Travel Insurance
Thanks for the feedback Andrew! Enjoy your trip.
kkeefe902
6/6/2022
Yes I received my confirmation. The sit was easy to use. I odered online.

Marketing E  
Official Response

Admin Box of Generali Global Assistance Travel Insurance
That's great to hear kkeefe902. Thanks for your feedback and purchase!
Y
Yuchuan X
6/3/2022
The site is well designed, easy to navigate and get quotes quickly. Originally I just wanted to take a look before making a decision, but I ended up buying the policy directly.

M
Marketing E  
Official Response

Admin Box of Generali Global Assistance Travel Insurance
That's great to hear Yuchuan. Thanks for your feedback and purchase!
jlovda
5/31/2022
I paid $500 for $8000 coverage for a Norwegian coastal cruise. I got a very severe nosebleed the day before our airline departure to Norway and could not go. They will not pay a claim because the problem did not occur DURING the trip. A lot of money down the drain. Unfortunately I cannot leave zero stars.

Marketing E  
Official Response

Admin Box of Generali Global Assistance Travel Insurance
Thank you for your feedback. 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. We are pleased to advise your claim has since been resolved and we thank you for updating your rating to 5 stars!
Z
Zina S
5/25/2022
I was nervous to call but the representative was very calm and answered all my questions. I am very pleased with the service and speed of service I received today and will not hesitate to call again in the future.

Generali  
Official Response

of Generali Global Assistance Travel Insurance
Thanks Zina for the feedback!
S
Starr P
5/20/2022
Purchasing the insurance online was easy and quick. The site was useful and easy to navigate.

Generali  
Official Response

of Generali Global Assistance Travel Insurance
That's great to hear Starr. Thanks so much for your business.
annglass
5/20/2022
Easy to navigate and had all the coverage I was looking for!

Generali  
Official Response

of Generali Global Assistance Travel Insurance
That's great to hear Ann. Thanks for choosing to #TravelSmarter.
bevgoward
5/9/2022
I was unable to revise my trip online due to an error code that kept appearing. I called multiple times the past week but could never get a real person to talk with me. Finally today I found a different number and reached Nelson. He was such a kind, soft-spoken man and he gently talked to me through my tears. I was read to just cancel the whole insurance policy but Nelson was so kind and helpful I decided to give your company another try. Nelson deserves special recognitions for professionalism, kindness and and helpfulness!

Generali  
Official Response

of Generali Global Assistance Travel Insurance
Hello Bev. Thanks for sharing your experience. We don't currently allow for policy modifications online but are adding that functionality soon. We are very glad Nelson was able to assist you.
D
Diana A
5/8/2022
Booked this before reading other comments. glad to see most of positive. The website used to make the purchase worked well. Here's hoping we don't need it.

Generali  
Official Response

of Generali Global Assistance Travel Insurance
Thanks for your business Diana! #TravelSmarter
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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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