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Generali Global Assistance Travel Insurance Review


ConsumersAdvocate.org Rating: 3.9 / 5 (Very good)
110 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 Do We Rate Generali Global Assistance?

Breakdown

4.3/5
Coverage
3.5/5
Extra Benefits
4.0/5
Financial Strength
4.0/5
Price & Reputation

Our Overall Rating: 3.9 / 5 (Very good)

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 - 4.3 / 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 - 3.5 / 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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110 Customer Comments & Reviews

Loading Reviews ...
Sheila L
8/22/2022
I have used your travel insurance and I think that your product is the best in the industry! Your prices remain competitive and your coverage is outstanding in all areas. I couldn't be happier at this time and will sleep better at night knowing that I have the coverage that we need for our cruise to Alaska. Keep up the great work! Sincerely, Sheila

Marketing E  
Official Response

Admin Box of Generali Global Assistance Travel Insurance
Hi Sheila. Thanks for the 5-star review. We love our loyal travelers! Enjoy your trip to Alaska.
rfbremer4
8/19/2022
I highly recommend Generali Travel Insurance. My planned vacation was interrupted by a medical situation that prohibited my travel. I had purchased a rental from VRBO, I would definitely stay away from this rental company, and relied on Generali to recoup my prepaid rental expenses. Once the requested documentation was reviewed the claim was approved and my reimbursement timely. When I am able to travel again, I will most assuredly protect my travel investment with Generali. This company, unlike VRBO is very courteous, professional and most definitely customer service focused. I would still caution travelers to make sure they read the "somewhat obscure" fine print of VRBO approved... Read More

Marketing E  
Official Response

Admin Box of Generali Global Assistance Travel Insurance
Hello. Thanks for the feedback, and the recommendation. We will share it with our Customer Service Team.
shume252
8/12/2022
First 2 customer service reps had very difficult to understand accents..call failed just as we were finishing up both times and had to call a 3rd time and all I wanted to do was change departure date which cost me an extra $40 ..also tried to do on website but didn’t work … too late to cancel so really hoping no claims necessary!!

Marketing E  
Official Response

Admin Box of Generali Global Assistance Travel Insurance
Hello Sheila. We appreciate your feedback, and apologize for your negative experience. The calculated cost depends on a variety of factors including time to departure. One of our dedicated customer service team members will reach out to you to clarify any additional questions or concerns you may have. Thank you for your patience, and your business.
R
ROBERT P
8/9/2022
Probably one of the worst customer service companies I have encountered. I needed to actually speak with person and all I got was repetitive phone tree info that wasn't helpful. I've wasted too much time on this issue. I think the strategy may be just wear people down and they won't file a claim.

M
Marketing E  
Official Response

Admin Box of Generali Global Assistance Travel Insurance
Hello Robert. We're sorry to hear about your negative experience and apologize for not meeting your expectations. Unfortunately, we were unable to locate your claim based on the information provided. Please reach out to us at (800) 541-3522 or via email at Marketing_Ecommerce@us.generaliglobalassistance.com as we'd like to be able to review your claim with you. We hope to hear from you soon.
J
jennifer
8/5/2022
Website gave helpful comparison among the plans. Ray (customer service) was extremely helpful in explaining details of the policy options. My experience in setting up a policy was very favorable.

M
Marketing E  
Official Response

Admin Box of Generali Global Assistance Travel Insurance
Thanks for the feedback Jennifer! We will share it with our Customer Service Team.
rosaliemai
8/2/2022
This is the most unethical insurance company who is crossing the boundary of BAD FAITH. They lied about sending the medical record request to my healthcare facility in order to proceed the claim. I checked medical records for multiple days and no show that Generali Travel Insurance sent any medical record request. When I made an inquiry with the claim processor and demanded a mail receipt that he sent the medical record request, he said he couldn't do it. This demonstrates the dishonesty and motive of undue delay claim processing to test claimant's patience as way to discourage claimant to continue. Meanwhile they have very sufficient physician statement and note to proceed with the... Read More

Marketing E  
Official Response

Admin Box of Generali Global Assistance Travel Insurance
We're sorry to hear about the circumstances surrounding your claim and for not meeting your expectations. We take reviewing and responding to claims very seriously and want customers to understand the coverage details of our plans. The claims process can take some time, as our regulatory laws require a number of reviews and required documentation. Under normal circumstance, the process can take up to 30 days and supporting documentation is typically required in order for the policy to provide coverage. A dedicated claims team member is investigating your case further and will be in touch with you. If you have any further questions, please reach out to us at (800) 348-9505 or via email at claims@generalitravelinsurance.com.
stucpic
7/21/2022
Website has very clear explanation of benefits, options and cost. Able to easily and quickly reach a sales rep who answered all my questions.

Marketing E  
Official Response

Admin Box of Generali Global Assistance Travel Insurance
That's great to hear! Thanks for your feedback and purchase!
D
Debbie H
7/20/2022
Site was easy to navigate and the policy seems transparent and written well.

M
Marketing E  
Official Response

Admin Box of Generali Global Assistance Travel Insurance
That's great to hear Debbie. Thanks for your feedback and purchase!
D
Diane D
7/17/2022
I didn't want to call anyone, just wanted to book online. However, your site is NOT intuitive, and the way to actually book a plan is buried at the bottom of the page. You should have a CLEAR button at the TOP of the page saying ""PURCHASE PLAN HERE" Ended up having to call.... which was a waste of both my time and your money (to pay for staff) Person I spoke with was very helpful and patient.

Generali  
Official Response

of Generali Global Assistance Travel Insurance
Hello Diane. We're sorry you weren't able to purchase clearly. We actually manage generalitravelinsurance.com which has an easy to use quote function at the top of the page which says "Get a Quote." You have to get a quote to purchase travel insurance as the price is based on the parameters of your trip. Based on your feedback we will look for other ways to make this more clear in the future.
mikestanley1948
7/14/2022
Web site made it quick and easy to get travel insurance

Marketing E  
Official Response

Admin Box of Generali Global Assistance Travel Insurance
That's great to hear mikestanley! Our goal is to make generalitravelinsurance.com as user-friendly as possible. Thanks for the feedback!
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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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