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Generali Global Assistance

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LAST UPDATED: March 29th, 2021

Founded in Italy, Generali Global Assistance has a long history as an insurer and offers products in many parts of the world. The company has offices in San Diego, California and offers travel insurance to U.S. residents.

Generali's travel insurance policies are competitive for the industry. You can find coverage for pre-existing conditions and even coverage if your travel service provider becomes financially insolvent.

Generali travel insurance policyholders also benefit from additional services, including 24-hour travel support, concierge, and identity theft resolution.

Top Ranked Companies

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The Good

  • High Financial Strength Ratings
  • Competitive Policies
  • Financial Insolvency Coverage
  • Coverage for Pre-existing Conditions
  • Optional Extras
  • Helpful Services

High Financial Strength Ratings

Generali has consistently received high financial strength ratings from A.M. Best. These ratings indicate that the insurer is financially stable and likely able to meet its claims obligations. High ratings are common among competitive insurers.

Competitive Policies

Generali offers competitive coverage through its three policy options. Depending on the plan you choose, you can find the following coverages:

  • Trip cancellation
  • Trip interruption
  • Travel delay
  • Baggage
  • Baggage delay
  • Sporting equipment
  • Sporting equipment delay
  • Missed connection
  • Medical and dental
  • Telemedicine
  • Emergency assistance and transportation
  • Accidental death and dismemberment coverage for an air flight accident and travel accident

The coverage offered by Generali travel insurance is competitive. Not all carriers offer coverage for missed connections or include accidental death and dismemberment coverage, so these inclusions make Generali stand out.

Financial Insolvency Coverage

Generali's two higher tier plans cover your trip if your travel provider becomes financially insolvent and is unable to offer the trip.

Coverage for Pre-existing Conditions

Generali's top-tier plan offers travel insurance coverage for pre-existing conditions according to specific terms. While it would be nice to have that coverage available with its other plans, it is good that you can find this kind of coverage at Generali.

It's common for this kind of coverage to have set terms and conditions, so be sure to understand the terms of the pre-existing conditions coverage.

Optional Extras

You can add rental car coverage with Generali's lower tier plans. This coverage is automatically included with the provider's top-tier travel insurance policy. 

To its top-tier plan, you can add trip cancellation coverage for any reason. This additional trip cancellation coverage is a common upgrade for the industry. While it would be beneficial to be able to add this coverage to any of Generali's plans, it's nice that it's available with at least one plan.

Helpful Services

Generali is advantageous because of the additional services it offers with each of its plans.

You'll benefit from access to 24-hour travel support. Through this service you can receive referrals for medical care and legal assistance, help arranging travel plans, an emergency cash transfer, and more.

Generali also offers concierge services and identity theft resolution services. These additional services make Generali's plans more attractive because they offer valuable assistance especially if you need emergency assistance.

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The Bad

  • Limited Customer Insight
  • Fewer Plan Options

Limited Customer Insight

Best Company has not received many Generali travel insurance reviews. Due to this lack of reviews, conclusions about the customer experience are unavailable.

Fewer Plan Options

Generali offers three travel insurance plan options. Some competitors offer more options. If you're interested in considering a larger selection of plans, you may need to consider another travel insurance company.

However, you can find competitive coverage through Generali.

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The Bottom Line

Although more reviews are necessary to understand the customer experience, Generali's travel insurance plans are worth considering because they offer competitive coverage. You'll find common coverages and optional add-ons with the company. Keep in mind that not every add-on is available with each policy.

You can also benefit from assistance while you travel. You can find help making new travel arrangements to accommodate health emergencies, identity theft resolution, and more.

The company is also financially stable, which is important if you file a claim.

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