GENERALI
Travel Insurance Review
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Generali offers U.S. residents simplicity and flexibility with three tiers to choose from—Premium, Preferred, and Standard.
Their coverage includes comprehensive protection for trip cancellation, trip interruption, emergency medical situations, and even cancellation for any reason, providing you with peace of mind during your travels.
Their COVID-19 coverage is a distinctive feature included in all three plans as is their 10-day Free Look Period, allowing you to evaluate the chosen plan. During this period, if you find the plan doesn't align with your needs, you may be eligible for a full premium refund.
Generali maintains an excellent credit rating to further protect you and your loved ones.
SIMPLICITY
Three plans to choose from:
Premium
Preferred
Standard
TRAVEL ASSISTANCE
Enjoy access to concierge and identity theft services and 24/7 travel support
MEDICAL
Excellent evacuation and repatriation coverage limits
CUSTOMIZATION
Your ability to tailor coverage is restricted by the narrow selection of policies and the limited availability of upgrades
STANDALONE OPTIONS
A standalone medical plan or an independent annual plan is not available
CANCEL FOR ANY REASON
Only offered in the Premium plan and 60% coverage is below some competitors
COVID-19
All plans come with coverage for you, a family member, or a travelling companion
NO OUT-OF-POCKET MEDICAL
A service that can arrange your appointment and pay upfront for acute medical treatments up to $1,000
POLICY COMPARISONS
SINGLE TRIP PLANS
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Highlights |
Single Trip Plans (per person coverage) |
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Premium |
Preferred |
Standard |
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Per Person Coverage* |
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General |
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Availability |
U.S. residents |
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Free look period |
10 days |
10 days |
10 days |
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Pre-existing conditions |
Requirements |
- |
- |
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Trip Protection |
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Cancellation |
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Trip cost |
100% |
100% |
100% |
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Carrier insolvency |
Included |
Included |
- |
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Interruption |
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Trip cost |
175% |
150% |
125% |
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Carrier insolvency |
Included |
Included |
- |
|
Delay |
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Delay |
$1,000 |
$1,000 |
$1,000 |
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Missed connection |
$1,000 |
$750 |
$500 |
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Medical Protection |
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Emergency Medical |
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Medical and dental |
$250,000 |
$150,000 |
$50,000 |
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Evacuation / repatriation |
$1,000,000 |
$500,000 |
$250,000 |
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Baggage / Belongings |
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Baggage/personal items |
$2,000 |
$1,500 |
$1,000 |
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Delay |
$500 |
$300 |
$200 |
|
Sporting equipment |
$2,000 |
$1,500 |
- |
|
Sporting equipment delay |
$500 |
$300 |
- |
|
Additional Benefits |
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24/7 travel support |
Included |
Included |
Included |
|
Telemedicine |
Included |
Included |
Included |
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No out-of-pocket medical |
Included |
Included |
Included |
|
Concierge services |
Included |
Included |
Included |
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Identity theft |
Included |
Included |
Included |
|
Rental car |
$25,000 |
- |
- |
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Other Optional Upgrades |
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Cancel for any reason* |
60% |
- |
- |
|
Car rental** |
Included |
$25,000 |
$25,000 |
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Accidents |
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AD&D - Air flight |
$100,000 |
$75,000 |
$50,000 |
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AD&D - Travel |
$50,000 |
$25,000 |
- |
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Underwriter |
Generali U.S. branch |
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* Plan maximums may exceed per person maximums |
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** Not offered to residents of New York |
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*** Not offered to residents of Texas |
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The following is a sample list of exclusions and is subject to change and vary by policy, jurisdiction, and more. Please read the policy carefully before accepting and signing.
Suicide
Mental disorder
Nervous disorder
Psychological disorder
Normal pregnancy
Participation as a professional athlete
Participation in sports competitions
Riding or driving in any motor competition
Operating or learning to operate an aircraft
Mountain climbing, bungee jumping, skydiving, parachuting, hang gliding, parasailing, caving, extreme, skiing, heli-skiing, skiing outside marked trails, boxing, full contact martial arts, and more
Elective treatments
Trip intent was medical
Acts of war
Nuclear reaction or radioactive contamination
Criminal activity
Government imposed travel restrictions
and more
Coverages and exclusions listed are a sample with potential limitations, subject to change based on jurisdiction, age, and health. Refer to our Terms of Service for the full disclaimer. Information provided is general; it's not professional advice. Verify policy details with the company or seek advice before deciding. We're not liable for any loss or damage. External links don't signify endorsement; users are encouraged to independently research for informed insurance decisions.
