Generali Travel Insurance Review

Overview

More than just a financial safety-net, travel insurance is an essential component to any well-planned trip or vacation and before you pack those bags and catch your flight, you want to ensure you have a comprehensive and well-rounded policy that will cover you as you traverse the globe. From covering medical treatments to reimbursing for delays or lost luggage, your insurance policy will not only protect you from unexpected expenses, but also provide peace of mind during your travels, and the plans provided by Generali accomplish all of this and more. Giving you everything you need to enjoy a worry-free vacation, Generali has created 3 unique travel insurance plans to choose from, and this top-rated provider stands out for their extensive coverage and industry-leading 24/7 support. With a hassle-free claims process, impressive COVID protections, generous limits, and competitive pricing, Generali will ensure you can relax, explore, and make unforgettable memories without draining your savings in the process.

Coverage

Providing comprehensive coverage for both domestic and international travelers, Generali is here to take the stress out of traveling and their award-winning plans protect against a wide range of situations so you aren’t left with big out-of-pocket expenses that you’re responsible for. Combining above average protection with below average fees, you will be able to take advantage of well-rounded policies that bundle together a variety of insurance types and can be used when booking flights, accommodations, and even cruises. Trusted by over 6 million travelers each year, and covering almost any destination around the globe, Generali ensures you have protection you can depend on and all of their policies include coverage for:

• Cancellations, Interruptions, & Delays

There’s nothing worse than planning a big trip or vacation and then discovering that you are no longer able to go, but if you don’t have an insurance policy then this situation could get a whole lot worse. Without insurance, cancellations may not be eligible for a refund, and you may lose out on everything you spent for your flights, your accommodations, and even any planned excursions. Thankfully, with Generali you don’t need to worry about this as their policies give you 100% reimbursement of the insured trip cost so long as it falls under one of their 21 reasons for cancellation (including COVID). In addition, if your pre-paid trip is interrupted due to a covered event, you could be eligible to receive up to 175% reimbursement, and they will also give you up to $1,000 per person should you experience delays. 

• Medical & Dental

One of the biggest concerns people face when traveling is the fear that they may become sick or injured during their trip and now need to access medical care in a different country. Without your insurance available to you, out-of-country care can become incredibly expensive, which is why Generali offers up to $250,000 in coverage for any necessary medical or surgical costs - including for dental. 

• Transportation & Evacuation

Need to be taken by ambulance or by air to the nearest suitable medical facility? Or require transportation back to your home country because it’s medically necessary? Generali’s insurance policies will include up to $1,000,000 in reimbursement for emergency assistance and transportation costs, and they will also help cover up to $10,000 if you are traveling alone and need a companion to come and join you. 

• Luggage Loss & Delays

A lot of thought and planning goes into packing your luggage for a trip, and since you’re away from the comforts of home you want to make sure you have everything you require to make your trip as enjoyable and comfortable as possible. But what happens if you arrive at your destination and your luggage has been delayed or lost at some point in its journey? Instead of being left with nothing, and scrambling to pay for new items, Generali will cover up to $2,000 per person for personal items that are lost, damaged, or stolen during the duration of your trip. As for delays, you will receive up to $500 per person so that you can purchase the necessary items required while you wait for your bags to be delivered. 

• Accidental Death & Dismemberment

It’s not something you want to think about before you embark on a new adventure, but occasionally situations can arise where the consequences are serious and not only can this be devastating for you, as well as your loved ones, it can also lead to massive expenses that no one is prepared to pay. Should you be involved in an airplane or trip accident that leads to loss of life or loss of a limb, Generali does include up to $200,000 in coverage per plan. 

Optional Add-Ons

Sometimes, when purchasing insurance, providers will offer more of an a la carte style of policy building, where your standard plan only covers the bare minimum and then you are required to pay more to add on the various coverage options you think you may need. Not only is this system typically more expensive, it can also become confusing as you try and understand what’s available and attempt to guess what could happen on your vacation. To make travel insurance easier, and noticeably more affordable, Generali takes a much different approach with their plans and each of their policy options come packed with robust coverage and generous limits so you can enjoy a worry-free vacation, without needing to predict what the future holds. 

Because of this, Generali doesn’t have many optional add-ons available alongside their policies, and currently there are only 2 choices you can make regarding expanded coverage for your trip. For those looking to be protected in all situations, and who are happy to spend a little more for the assurance, you may opt to purchase riders for:

• Rental Car Damage

If you are renting a car for your trip and want to make sure that you won’t be financially responsible for damages caused by a collision, fire, theft, vandalism incident, windstorm, or hail then Rental Car Damage protection is a must-have add-on. Reimbursing up to $25,000 in eligible costs, this rider is available to residents across the USA (except for in Texas) and can be included alongside both the Standard and Preferred plans. For those who have enrolled in the Premium plan, you will already have rental car coverage included in your base policy. 

• Cancellation for Any Reason

All Generali insurance policies include up to 100% reimbursement for covered trips, however, your reason for canceling must fall under their 21 listed events that are eligible. Unfortunately, cancellations can happen for a lot of different reasons, and sometimes a change in finances or a conflicting work schedule can suddenly mean you are no longer available to travel on your pre-paid dates. To hedge against this, those with a Premium plan will have the option to add on Cancel for Any Reason, which reimburses you up to 60% of all eligible penalties you end up needing to pay should you cancel your trip.

Plan Comparison

Generali is one of the top-rated travel insurance providers on the market, and the reason for their popularity is the fact that they provide some of the most comprehensive policies, at the most affordable price points. Instead of requiring you to pick and choose between various types of coverage in order to build a tailored policy, this award-winning provider has pre-designed 3 unique plan options that focus on well-rounded coverage with generous reimbursement amounts. Depending on where you are traveling to, how long you will go away for, what your budget is, and how much you’ve spent on your trip, you will be able to select the perfect plan that meets all of your needs and they are broken down into a Standard, Preferred, and Premium option. 

• Standard - Cost-effective plan that is best-suited to individuals who are traveling domestically within the USA.
•  Preferred -  The most popular option from Generali, this plan is suitable for most types of trips and can be used for both domestic and international adventures.
• Premium - Featuring the highest limits and most robust coverage, the Premium plan may not be the cheapest but it will give you everything you require, especially for expensive trips like cruises or tours. The Premium plan is also the only one that will cover a pre-existing medical condition, and the only option if you want to add on the Cancel for Any Reason rider.

Claims Process

An insurance policy is only as good as the claims process that it offers, and even the most comprehensive plan can become worthless if you’re stuck fighting with your insurance company in order to make a claim and be reimbursed. Thankfully, Generali doesn’t just make robust policies, they also include a seamless claims process alongside them so you never need to worry about added stress or financial impacts when you’re already dealing with an unforeseen situation. 

Should you ever need to file a claim, you can begin the process immediately right from your computer and all you need to get started is your personal policy number that is attached to the plan you purchased. By following along with the prompts, you can then detail exactly what situation you are dealing with, and all the information you provide will be submitted directly to a dedicated claims expert who will manage your case from start to finish. All claims will need to be submitted within 1 year of a covered loss, however, it is always recommended you submit the claim as early as possible for a faster turnaround time. Once accepted, you can then utilize the Digital Payment Hub within the eClaims portal to select your preferred payment option, and depending on which option you choose, your claim will be paid to you in as little as 1 hour:

• Bank Transfers - 1-3 business days
• Your Debit Card - Within 30 minutes - 1 day
• Zelle® - Within 1 hour - 1 day
• PayPal - 1 - 5 hours, but may take up to 1 day
• Check - 10-14 business days

On top of providing reimbursement for all eligible claims, Generali also features No Out-of-Pocket Medical insurance alongside all 3 plans. This is a big bonus for those who don’t want to have to worry about scheduling appointments and worrying about payments for relatively minor incidents, and it can dispense funds directly to a clinic without waiting for a claim to be processed and approved. As long as the treatment you are seeking is below the $1,000 threshold, Generali will give the payment upfront and can even book an appointment for you if you prefer.  

Generali Cost

When it comes to purchasing travel insurance, a lot of vacationers hesitate, as it can seem like another unnecessary expense on top of an already costly trip. The reality, however, is that travel insurance can actually be what stands between you and big out-of-pocket expenses, and without a comprehensive policy in your pocket, you may end up having to drain your savings to pay for out-of-country medical costs or lose out on reimbursement for a canceled vacation. To help make the decision even easier for you, Generali has crafted their policies to be as budget-friendly as possible, and given how robust the coverage is, and how generous the limits are, it’s clear why so many travelers trust Generali for all of their insurance needs. 

Since all pricing is dependent on the trip you are taking, Generali offers a 100% free, online quote process so you can receive upfront and transparent pricing, before you ever enroll in an insurance policy. By asking you a few short questions about where you are going, when you’ll be gone, and what the trip costs, the online form will then be able to generate a fully personalized quote that includes all 3 plan options and any optional add-ons you may be curious about. All quotes are given without any commitment required from you, and you only need to proceed with enrolling digitally if you are satisfied with the total price offered. 

Bottom Line

Travel insurance is an essential investment for anyone embarking on a journey, and whether it’s a weekend getaway or a long-term international adventure, you want to ensure you are fully protected against unpredictable situations that could arise. This is where Generali steps up to help, with their robust, budget-friendly policies that have been carefully crafted to give you well-rounded coverage you can depend on, without breaking the bank. Featuring 3 unique plan options to choose between, and generous limits alongside each coverage type, these travel insurance policies are one of the smartest decisions you can make if you’re hoping to enjoy a stress-free trip that’s full of memories, not extra expenses. To learn more about how Generali can improve your upcoming vacation, or to request a 100% free quote, head on over to their website today and discover for yourself why they are the go-to solution for over 6 million travelers every year.