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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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B
Beth
3/12/2022
Very easy friendly to use. Glad I purchase but hope I don’t need to use it

Generali  
Official Response

of Generali Global Assistance Travel Insurance
Hi Beth. Thanks for your review. Actually portions of your travel insurance are available for use now - such as concierge service. you can find more info at https://www.generalitravelinsurance.com/travel-resources/services

tonav2339
1/18/2022
Purchase process was a breeze. Lets just hope that I would not need this on my travel but re- assuring to know it will be there when needed.

Generali  
Official Response

of Generali Global Assistance Travel Insurance
Thank you for your review. Did you know you can begin to use some of your travel insurance plan services now even before your trip? Visit https://www.generalitravelinsurance.com/travel-resources/services

helens1007
1/11/2022
What a waste of money! I purchased the travel insurance and what happened? We need help, my husband's passport was stolen, I called insurance for help, and what? They can not help overseas! It is travel insurance, I put the name of the country where we going, I told them that he has no medication, no passport, can not leave a transit zone, they replied: If he had problems in the USA, we can help. I bought travel insurance to go overseas! Worthless. We submitted the claim already a long time ago and nothing happends. When my husband called about the claim, they reply that they are "working" from home..., it mean? Doing nothing! They take your money, and they enjoy a nice stay at home. I... Read More

Generali  
Official Response

of Generali Global Assistance Travel Insurance
Hello. We're very sorry to hear of your experience. We believe this was a miscommunication with our 24/7 travel assistance team. They are now reaching out to you to help and are expediting your claim.

J
Joe S
12/14/2021
The purchase process was user friendly, informative and speedy. I was impressed with the choices available.

Generali  
Official Response

of Generali Global Assistance Travel Insurance
Thanks Joe. We strive to make our policies user friendly. So glad you found them useful.

S
Sharon C
12/10/2021
This is the best travel insurance company ever. I tried another company when I travel over the summer. NEVER AGAIN. Generali has a customer for the rest of my travel life!

Generali  
Official Response

of Generali Global Assistance Travel Insurance
That's great to hear Sharon - thanks so much!!!

robert.ferguson204
11/29/2021
The customer assistance representative was extremely helpful and professional in adding Covid coverage to my policy as required by Turks and Caicos.

Generali  
Official Response

of Generali Global Assistance Travel Insurance
That's great to hear Robert. Thanks so much for your review. Enjoy your trip!

M
Marcos d
10/28/2021
The policies are very well explained and the process of purchasing was easy ! Would use the company again for my travel insurance needs ! But then again, after looking at so many negative reviews, I am now concerned and crossing my fingers that all will be ok during my trip. I bought trip cancellation insurance when I bought my trip with my booking agent … at least Generali sent all the info in regards of the policy I purchased with them ( a summary email and a pdf file with 19 pages of information policy). We’ll see. Giving 4 stars after reading all the negative reviews!

Generali  
Official Response

of Generali Global Assistance Travel Insurance
Hello Marcos. We are happy to hear you've had a pleasant experience. We do take our claims and customer service process very seriously and want our customers to purchase the right product for their trip. We encourage all customers to read their policies so that they can be informed of coverages and phone us if you need any clarification. We're here to help!

F
Frustrated
10/24/2021
How this company has five stars on this ‘consumer advocacy’ site is beyond me. The written comments speak volumes. I submitted my claim three months ago based on the questions and documents specified in the claims process. ‘Fabio’ followed up with me about every other week with new requests. The first request asked me to resend the physicians documentation. The next request was for the terms and conditions from the airlines. Then a new request was asked and I couldn’t believe what I was reading. Fabio wanted to know the names of the representatives from the airlines whom I spoke with to cancel my flight. The requests get more arbitrary and unreasonable each time. Where does it say I am... Read More

Generali  
Official Response

of Generali Global Assistance Travel Insurance
We're very sorry the claims process didn't meet your expectation. Since you filed this complaint anonymously we are unable to locate your claim to assist. Please reach out to us via email so that we can look into this further. marketing_ecommerce@generalitravelinsurance.com

L
LOU A
9/7/2021
I bought and paid for insurance for a trip to the Santa Barbara area through VRBO. Three days before the trip I injured both of my feet to the point that I could not walk, let alone drive 6 hours to get there. I cancelled the reservation. I expected to be able to get get a refund. I was REFUSED. I WOULD HAVE HAD TO HAVE INJURY WHILE ON THE TRIP. THIS IS RIDICULOUS. NEVER WILL BUY THIS WORTHLESS INSURANCE AGAIN.

Generali  
Official Response

of Generali Global Assistance Travel Insurance
We're sorry to hear about the circumstances surrounding your trip and apologize for not meeting your expectations. We want our customers to understand the coverage details of our plans and cannot stress enough that it is important to review these details via the sample Description of Coverage/Insurance Policy that’s provided at the time of purchase. While your plan can provide coverage if you have a sickness or injury before your trip, the policy requires "... the in-person treatment by a Physician, and must be so disabling in the written opinion of a Physician as to prevent you from taking your Trip ...". If you were indeed treated by a Physician, please share your medical records via email at claims@csatravelprotection.com.

J
James T
9/1/2021
These people are rip off artists. I purchased cancellation insurance on air fare. Had to cancel. Never got a policy as promised. Just received notification via email after filing my claim that they weren't going to reimburse me because my reason wasn't listed on my policy. Since I never got said policy I am not sure what they mean. It really appears that I should be able to cancel for any reason (CFAR). I called the claims number earlier today and had to leave a message for Maria. If there was a (0) star option you earned it. James Trimble

Generali  
Official Response

of Generali Global Assistance Travel Insurance
Hello James. I'm sorry our plans did not meet your expectation. As stated in our policy documents made available to you prior to purchase, our plans only reimburse for non-refundable, pre-paid trip costs if you need to cancel your trip for a covered reason. Your Skybooker plan does not offer coverage for change in plans as it is not a CFAR policy. We cannot stress enough how important it is that our customers review their Description of Coverage, which is available before and after your purchase. We take the claims process very seriously and want our customers to make informed choices when purchasing travel insurance.


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