Generali Global Assistance Travel Insurance Review

Generali offers three plans scaling from basic to full coverage. All plans include 100% trip cancellation coverage, 125% trip interruption, pre-existing condition waivers and 24/7 assistance.

Rental car coverage available as optional add-on at $35,000 maximum for all plans.

The company's plans work for domestic trips, international travel and cruises, though specialized cruise insurers may offer more port-specific benefits. The differences between full and basic coverage show which plan fits your needs: Standard, Preferred or Premium.

Generali earned an affordability score of 94 out of 100, trailing only World Nomads (98), ranking among the cheapest travel insurance options. The Standard plan costs $72 for a one-week domestic trip covering $2,500 in trip costs for a 30-year-old traveler. International coverage costs nearly identical at $73 for the same profile.

Seniors pay the same rates as younger travelers for domestic trips. International coverage with $10,000 in trip costs runs $436 for Standard, $485 for Preferred, or $663 for Premium on a 10-day trip for a 65-year-old, with pricing varying by destination like Italy or other European countries.

Generali's second-place ranking balances affordability with strong coverage and A+ stability. World Nomads leads overall with higher affordability, while Allianz dominates service. Lower pricing helps Generali compete with IMG and Travel Guard despite their service advantages.

Customer feedback shows quick purchasing and competitive pricing, but claims experiences vary widely. Travelers completing straightforward claims report fast reimbursement, while complex cases face longer waits.

• Fast claim processing for straightforward cancellations, some travelers receive full reimbursement within 2-3 days with proper documentation
• Responsive pre-trip customer service answers coverage questions quickly before departure
• Competitive pricing delivers strong value compared to similar coverage from other insurers
• Easy online purchasing without phone calls required

• Claims processing delays extend for months on trip interruption and complex medical claims
• Difficulty reaching assigned claims adjusters, calls go to voicemail with generic email responses instead of personalized updates
• Initial claim denials later overturned on appeal suggest inconsistent review processes
• Documentation requirements perceived as excessive, requesting proof that's impossible to obtain

Generali has a 4-star Squaremouth rating (5,000+ reviews) and A+ BBB accreditation despite 500+ complaints about claims processing.

Generali covers standard travel insurance categories with limits varying by plan:

• Trip cancellation and interruption: 100% cancellation coverage for illness, injury, family death, natural disasters, and jury duty. Trip interruption pays 125%, covering unused expenses plus return transportation.
• Emergency medical: Covers injuries and illnesses during travel, with Premium offering double the coverage of Standard and Preferred plans.
• Medical evacuation: Ranges from $250,000 (Standard) to $1 million (Premium) for transport to appropriate facilities when local care is inadequate.
• Travel delays: Up to $1,000 per person at $150 daily after delays exceed policy thresholds.
• Missed connections: $1,000 coverage when delays cause missed flights or prepaid arrangements after three-hour delays.
• Baggage loss: Covers lost or stolen luggage with per-item limits, with Premium offering double the maximum coverage of Standard and Preferred plans.
• Baggage delay: $200 for all plans to purchase necessities when checked bags arrive 24+ hours late.
• Pre-existing conditions: All plans waive exclusions when purchased within 14 days (Standard/Preferred) or 15 days (Premium) of the initial trip deposit.

Rental car damage coverage: Optional for all plans at $35,000 maximum. Provides secondary coverage after personal auto insurance or credit card benefits.

• Cancel For Any Reason: Not available on any plan
• Annual or multi-trip policies: Each policy covers one trip only
• Adventure sports limitations: High-risk activities face restrictions, with sporting equipment covered only under standard baggage limits
• Known financial default: Excludes supplier bankruptcies with pre-existing financial troubles before purchase
• Routine pregnancy care: Covers only unexpected pregnancy complications requiring emergency treatment

Generali works best for:

• Budget-conscious travelers: Second-best affordability score (94/100) with Standard plan at $72 for week-long domestic trips
• International travelers: Premium plan offers $100,000 medical coverage and $1 million evacuation for expensive or remote destinations
• Pre-existing conditions: Automatic waivers included when purchased within 14-15 days of initial deposit
• Families traveling together: Single policy covers all members at lower cost than individual plans

Not ideal for:

• Cancel For Any Reason seekers: CFAR not available on any plan
• Frequent travelers: Only single-trip policies, no annual coverage options
• Fast claims priority: Service score (89) trails Allianz (100) and Travel Guard (98), with complex claims taking 30-60 days

The company isn't ideal for travelers wanting Cancel For Any Reason flexibility or frequent travelers needing annual coverage. Those prioritizing claims processing speed should consider competitors such as Allianz or Travel Guard, which have higher service scores.

Generali processes claims through its online eClaims portal within one year of covered losses. Required documentation varies by claim type.

Submit claims promptly with complete documentation within 30 days of incidents for fastest processing.