The best insurance companies offer different types of coverage to protect you in the event of an unexpected event. This can be especially true if you're traveling overseas, where medical emergencies can be expensive and evacuation is often required.
Generali is known for its comprehensive travel assistance and insurance services. The plans are tailored to the individual needs of customers and include a variety of optional features.
Standard Plan
Generali's Standard Travel Insurance Plan offers a variety of benefits including trip cancellation coverage and medical emergency protection. It also reimburses lost or delayed luggage and covers expenses incurred from missed connections.
Preferred Plan
Preferred includes the Standard plan's benefits, plus several additional types of travel insurance. It also includes higher maximums in travel and medical coverage, and covers sports gear.
Premium Plan
The Premium plan costs more than the Preferred Plan and Standard Plan, but it provides extra protection. The highest trip limit is $250,000 and the plan pays up to $50,000 for medical or dental emergencies. The CFAR plan also provides an upgrade for travelers who already have medical conditions.
Trip Cancellation
Generali's online travel cancellation insurance offers a good option for many travelers. The policy covers cancellations due to a range of reasons, including weather, terrorism, and natural disasters.
Also, they offer trip interruption coverage in the event that a cruise line, hotel or car rental company goes out of business. This is a valuable feature that can help you avoid having to pay the full fare if your vacation has been postponed or cancelled due to the financial default of a travel provider.
Trip Cancellation & Emergency Assistance
Health issues, like a sudden injury or illness, are the most common reasons for trip cancellation. This is why it's so important to ensure your travel insurance plan covers all possible types of illness.
If you have any pre-existing condition, it's worth checking if your plan covers them. Many travel insurance policies exclude certain medical conditions, such as diabetes, high blood pressure, and heart disease, unless you have them diagnosed within a certain time frame after you purchase your policy (called the Time Sensitive Period).
Covid Test & Treatment
Generali Global Assistance plans cover you for Covid, an infection that may lead to serious complications, including hospitalization. If you cancel your trip due to a positive Covid result, you can be reimbursed for any non-refundable or lost trip costs.
You will be able make a claims through your online account. A representative is assigned to guide you throughout the process. You can also track the progress of your claim.
Generali Global Assistance travel coverage offers other optional benefits besides trip cancellation and emergency help. These include identity theft resolution and concierge service. This insurance also offers a 24-hour international emergency hotline.