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Generali Global Assistance Travel Insurance Review


ConsumersAdvocate.org Rating: 3.8 / 5 (Very good)
105 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

3.8/5
Coverage
3.7/5
Extra Benefits
3.7/5
Financial Strength
4.0/5
Price & Reputation

Overall Rating: 3.8 / 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 - 3.8 / 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 - 3.7 / 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 - 3.7 / 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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105 Customer Comments & Reviews

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Kurt W
4/19/2021
Their phone tree for the Travellers Assistance line has no option to ask a question not related to a travel emergency or making/checking on a claim. Not to mention every time I called over the course of a few days, their system said it was "in system maintenance w/ high call queue," and I couldnt get anyone to answer/no option to hold. Further, this dept. kept either not sending me the coronavirus testing site info I asked for or sending it for cities other than the 1 I requested. Very frustrating; I won't buy from them again. Thank God I didn't have a claim. What a joke. --April 2021

Generali  
Official Response

of Generali Global Assistance Travel Insurance
Hi Kurt. We apologize for the issues you faced. We do separate our 24/7 emergency line from our customer service lines so that we can ensure emergency calls are never delayed. We weren't able to find a policy using your name, but want to help. Can you please email us your policy number at marketing_ecommerce @ generalitravelinsurance.com so we can look into this further ?

garohc
10/13/2020
Well i take a vacation and pay for insurance (1st time) Got a problem during travel (Car problems) try call emergency number for the insurance and of course they don’t answer, take car to the shop to fix it and try to enjoy the vacation, Never buy insurance from this people they really workless

Generali  
Official Response

of Generali Global Assistance Travel Insurance
We're sorry to hear about the circumstances surrounding your travel and apologize for not meeting your expectations. We take customer service and the claims process very seriously and have reviewed your case in detail. Our Emergency Assistance line is core to our business and as such is supported 24-hours a day/ 7-days a week. Our customers are able to phone it direct from anywhere in the world and we provide links to it from all our phone numbers. Unfortunately it sounds as if you may have misdialed, as we don’t show any calls coming into us from your numbers. In regard to your claim, we want our customers to choose the correct policy to fit their needs and cannot stress enough that it is important to review the coverage details of our plans via the sample Description of Coverage/Insurance Policy that’s provided at the time of purchase. The Vacation Rental plan you purchased does not provide any repair coverage for your personal vehicle. If you have any additional questions or concerns, please reach out to us as we’re happy to review your plan coverages with you.

willphatch
10/4/2020
FRAUD & THEFT!!! My family and I wish that we could leave "0" stars. This company literally stole thousands of dollars from us and have refused to return our calls for almost 10 months. Our dad had a policy with this corrupt company and then suddenly passed away right before his trip. We have been contacting them at least twice a month since this happened in December and no one has returned our calls, Ever. This horrible company is nothing but thieves and we will be getting the proper legal help involved. DO NOT TRUST THIS COMPANY!!!

Generali  
Official Response

of Generali Global Assistance Travel Insurance
We are very sorry for your loss and for the difficulties experienced. Our claims team has been in contact with the parties listed in the claim and have resolved this matter. We thank you for bringing this matter to our attention. We take our customer service very seriously and will look for opportunities to improve our processes.

G
Gerald G
9/18/2020
ABSOLUTELY HORRIBLE COMPANY!! I purchased a policy through Generali Travel Insurance and they double charged my credit card. I contacted them about being double charged and got the run around for 2 weeks. I sent them screenshots of my credit card statement showing that I was double charged and their response was that “you only have one policy”. They finally decided on a “resolution”, unfortunately that was to cancel the policy and instead of issuing a refund they charged my credit card a third time. I now have no policy and my credit card has been charged three times. Do yourself a favor do not trust this dishonest company. Their so-called customer service has been nothing short of an... Read More

Generali  
Official Response

of Generali Global Assistance Travel Insurance
We’re very sorry for the billing issue you experienced. Unfortunately a third party vendor we use for payment processing experienced some issues which caused a limited number of customers to have duplicate insurance charges on September 2. We are working with this vendor now to refund those affected. A customer service team member will reach out to you today via phone with your refund details.

R
Robert S
9/3/2020
I don't normally submit comments on this sort of service, but under the current circumstances(C-19), I expected that there might be trouble getting paid for my cancelled trip. I am guessing there must be many thousands of people who cancelled trips out of Covid fear and didn't understand that this was a choice they made which could have bankrupted the agency. The travel company recommended Generali and said they had a very good reputation. I found that while the procedure was rather involved, in the end those I contacted at Generali were very responsive and I was fully reimbursed.

Generali  
Official Response

of Generali Global Assistance Travel Insurance
Thank you Robert! That is great to hear.

Robert R
8/23/2020
Total scam! Read reviews on their website where they sell coverage and they get top stars. Then read reviews on this companies claims and they have zero stars. They basicly deny every claim for any reason. I dont think they ever pay any claim unless you die. Had a trip to Hawaii and the governor shut down travel to hawaii for 2 months due to covid 19. Said my claim is denied because Government shutdowns not covered and Covid is also not cover. Claim denied and closed. Total scam!!!!!

Generali  
Official Response

of Generali Global Assistance Travel Insurance
We're sorry the Travelinsurance.com plan coverage didn't meet your expectation. Unfortunately, like other insurance plans you may have, travel insurance cannot cover every event that might cause a traveler to cancel their trip. While frustrating, we want our customers to understand their coverages and what is not included, which is one reason we provide a 10-day free look so that you have extra time to review your coverages. We understand your airline and car rental suppliers are giving credits and/or refunds. We encourage you to visit https://www.generalitravelinsurance.com/position-statements/coronavirus/travel-suppliers.html for more details.

Charleen A
8/14/2020
I canceled my trip on 4/4/20 for 5/27/20-6/1/20 Due to COVID and submitted documents to Generali Global Assistance Travel Insurance . I constantly get emails verifying that my trip cost was more than I said it was. Ok, with that I resubmitted thru email verification of airline and hotel cancellation numerous times and finally in July I submitted copies of all cancellation proving refunds sent to them certified mail which R. Weaver signed in their San Diego office on 8/8/20. Today mid August still no word from them regarding my refund. I would not recommend this company to anyone!

Generali  
Official Response

of Generali Global Assistance Travel Insurance
Hello Charleen. I'm very sorry for the delay you experienced. With Covid-19, we have experienced a large volume of inquiries. Your policy refund was approved. Please look for your refund in 48 hours.

T
Timothy H
7/31/2020
My wife and I purchased travel insurance months prior to the onset of COVID issues for a condo in Florida which was ultimately, cancelled for obvious reasons. Upon reviewing our options with our travel insurance, the Generali Global Assistance-CSA Travel Protection insurer generously allowed their customers to apply for a voucher to re-apply travel insurance for a later travel date, presumably once travel became safer. Customers need only apply for a voucher online, receive the voucher and, once travel plans were re-finalized, call Generali Global Assistance-CSA Travel Protection and renew a policy for the new travel details. Per the voucher, if the costs for the new travel insurance were... Read More

Generali  
Official Response

of Generali Global Assistance Travel Insurance
Hello Timothy. We are sorry to hear of your frustration. And while we take the customer service process very seriously, we are experiencing very large volumes of inquiries. Unfortunately since your trip was rebooked with a new vendor, there was a new merchant of record which made this more difficult. Your refund has been processed and will be sent via U.S. mail.

T
Tim O
7/20/2020
I filed a claim on May 5th with Generali. According to the site - they would process within 30 days - but after 45 days I tried contacting to get an update on the status. I waited on hold for over 30 minutes before I was disconnected. I sent a email through their system with the claim number, and have never heard back. At 60 days I tried contacting them again via phone and email - and have never heard back. In frustration, I went to insuremytrip.com where I bought the policy. They said Generali shows no history of a claim - even though I gave them the claim number and it clearly shows up on their own website. Very, very shoddy treatment - and a terrible company to deal with. Generali -... Read More

Generali  
Official Response

of Generali Global Assistance Travel Insurance
We’re sorry for the issues with your Insure My Trip claim. In reviewing what occurred, it appears that you entered an incorrect policy number on the wrong eclaims website and saved your claim instead of submitting it. We will be reaching out to you to help aid you in completing your claim.

babsbrown8
7/9/2020
Trying to reach and speak to someone at this establishment is 95% impossible...including response via email. I have called repeatedly only to be placed on hold for longer than an hour listening to music, then disconnected. In late March, after constant calling, it was a miracle that someone returned my call. I was told I qualified for a refund because 2 in my party lost their jobs and as instructed, I immediately filed the claim with all requested documents on March 30th. Next after a two week period I would try calling, because online there was no status update. Again by miracle I finally spoke to a representative on June 28th, who stated there was no record of my filing and... Read More

Generali  
Official Response

of Generali Global Assistance Travel Insurance
We are very sorry for your experience thus far. Your claim has been received and assigned. Under normal circumstance, the process can take up to 30 days, however, this timeline may be extended due to the current volume we are experiencing. You should be hearing from our team soon.


Our Partner
  • “Cancel For Any Reason” (CFAR) availability
  • Includes trip cancellation, baggage delay/loss, and flight delays
  • Emergency medical expenses coverage are included in the coverage
  • Up to $250,000 in medical coverage and $1 million in evacuation