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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

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V
Vincent
5/4/2022
Just took out policy for my trip. First time using Generali Global Assistance. The website is easy to use and to choose a policy...very smooth. I will write a follow-up review if it calls for it, but I am hoping not to have to use this insurance. I would rather have the insurance, but not need to use the insurance :-)

Generali  
Official Response

of Generali Global Assistance Travel Insurance
Thanks Vincent for sharing your experience. Our travel protection plans include more than just insurance. Check out the services you can begin using now at https://www.generalitravelinsurance.com/travel-resources/services
C
Coleen R
4/23/2022
Ran into a problem & so far no one had been able to tell me whether my rental car tire replacement is a covered benefit or not even though the policy says we have $25,000.00 of coverage for our rental car, but no real information on what is covered. It will be up to the claim examiner. And will take up to 30 days to get an answer after they receive the claim. And no real instructions on how to get the tired replaced.

Generali  
Official Response

of Generali Global Assistance Travel Insurance
Thank you for your feedback. We’re sorry to hear about your issue and apologize for not meeting your expectations. We take customer service and the claims review process very seriously and cannot stress enough to our customers that it is important to review the coverage details of our plans via the Description of Coverage/Insurance Policy that’s available to you before purchase. As the customer service team mentioned, only a claims rep can make a claims determination, so we encourage you to file a claim easily online at generalitravel.com/claims.
reggiesaunders510
4/23/2022
This company has never let us down. Very reliable and the process for making a claim is simple. Customer service is top notch!

Generali  
Official Response

of Generali Global Assistance Travel Insurance
That is great to hear Reggie! Thanks so much for sharing your experience.
ckbar1991
4/21/2022
I received a quote very quickly for the different coverages. I chose the one that seemed to best suit what we wanted. It was painless and it gives us peace of mind knowing that we are covered in the event that there is a problem.

Generali  
Official Response

of Generali Global Assistance Travel Insurance
That's great to hear. Thanks so much for your review.
D
debbie.heidrich
4/16/2022
I now have two Generali travel insurance plans. The first was purchased in 2019 for a planned 2020 trip. When that trip got postponed until 2021, I didn’t even think about the insurance as it was not technically cancelled. Then, it got postponed again until 2022. I called customer service to ask if the policy could be modified to cover the new dates. It was! Customer service was very helpful and understanding. When I needed to insure another trip, I decided to stick with Generali due to their flexibility on the previous issue. Of course, I’m really hopeful that the insurance for both trips is a “waste of money” because there will be no problems. Fingers crossed!

Generali  
Official Response

of Generali Global Assistance Travel Insurance
Hello Debbie. Thanks for your kind review. We were happy to be one of the first companies to offer this type of flexibility. There are some parts of your travel protection that you can use now -- including concierge services. To acquaint yourself with those offerings visit https://www.generalitravelinsurance.com/travel-resources/services
R
Randy D
4/14/2022
Overall we selected Generali based on reputation and cost as well as I noticed that the travel insurance offered by the tour/cruise operator was underwritten by Generali. When we our trip was cancelled due to the pandemic, we were offered a voucher on the trip insurance we had purchased. We did not notice on the original voucher reference that the voucher was only extended to the end of 2020, however Generali had extended the voucher to the end of 2022. When I tried to go to Generali's website and apply the voucher or reference the original policy to our updated travel dates, plan, and ages there was an error saying to call their customer service. As I had a quoted rate from their... Read More

Generali  
Official Response

of Generali Global Assistance Travel Insurance
Hello Mr. Dennis. Thanks so much for sharing your experience. We spoke with a Customer Service Supervisor about the issue you faced and it appears it was due to the change in the application date. You absolutely can choose whichever policy you desire with your voucher also. We will reach out to you via phone to discuss if you'd like to make a policy change based on this information.
jessemccoy11
4/10/2022
LONG HOLD TIMES and many clause buried in the contract prevents me from recommending.

Generali  
Official Response

of Generali Global Assistance Travel Insurance
Hi Jesse. I'm sorry you had issues with our system. We checked our call logs and don't see any recent calls from your number on file. Our hold times are less than 1 minute right now, so if you are getting a long hold time please let us know so we can review technically. You may reach us at marketing_ecommerce@generalitravelinsurance.com.
mtnhiker3501
4/4/2022
Very informative and courteous customer service - great experience! Would use again.

Generali  
Official Response

of Generali Global Assistance Travel Insurance
That's great to hear! Thanks so much for choosing Generali for your travel insurance needs.
giomimj
3/26/2022
Site is very user friendly, quotes are quick, understandable and fully explained. Rates and coverage are very competitive.

Generali  
Official Response

of Generali Global Assistance Travel Insurance
That's great to hear! Thanks for sharing your experience.
M
Maria P
3/17/2022
Still waiting for my request on the Embassy letter stating my covid coverage as i need it for my upcoming travel 3/22/22 .. appreciate your help

Generali  
Official Response

of Generali Global Assistance Travel Insurance
Hello Maria. I'm sorry this message just reached our team. If you are still in need of this information - please reach out to us at marketing_ecommerce@generalitravelinsurance.com
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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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