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Generali Global Assistance offers a simple approach to travel insurance by providing potential customers with three policy options tailored to their specific travel needs. There are no annual or multi-trip options, but you can add certain upgrades, such as CFAR and rental car coverage.

In our Generali Global Assistance travel insurance review, we cover the basics of its policies, how much they cost, and what they typically exclude.

Star rating: 4.4 out of 5 โญ

Generali doesn't quite make our list of the best travel insurance companies, but it's still a highly rated provider that deserves a look, especially if you want a single-trip plan. Generali policies offer ample coverage, including up to $250,000 in emergency medical protection, as well as options for preexisting medical conditions and CFAR coverage. However, those options are only available on the Premium plan.

Read more about our methodology: Best travel insurance companies

Pros

Cons

Offers up to $250,000 in emergency medical coverage

Plan documents are readily available and viewable online

Provides up to 15 days to cancel your policy for a full refund

Offers up to 75% back with CFAR coverage

Has an A+ (Superior) Financial Strength Rating from AM Best

Does not offer annual or multi-trip plans

Preexisting medical condition coverage is limited to the Premium plan

CFAR coverage is limited to the Premium plan

Trip cancellation: Reimburses up to 100% of your nonrefundable trip costs if you cancel for a covered reason.

Trip interruption: Reimburses up to your coverage limits for nonrefundable trip costs if you interrupt your trip for a covered reason.ย 

Travel delay: Covers reasonable expenses, such as meals and overnight lodging, for eligible delays.

Missed connection: Can help reimburse reasonable expenses, such as additional transportation or meals, if you miss a connection for a covered reason.

Financial insolvency: Includes the financial insolvency of a supplier as part of trip cancellation coverage.

Medical and dental: Reimburses for emergency medical and dental costs that aren't covered by your personal health insurance plan.

Emergency assistance and transportation: Covers emergency medical evacuations or medically necessary transportation. This can also cover the repatriation of remains.

Accidental death and dismemberment (air flight accident): Provides payment for a covered loss of life, limb, or sight. This AD&D coverage is specifically for accidents on flights.

Accidental death and dismemberment (travel accident): Provides payment for a covered loss of life, limb, or sight that results from an accident during your travels, but not while using an air carrier.

Preexisting medical conditions: Waives the preexisting medical condition exclusion.

Baggage: Reimburses you for damaged, lost, or stolen baggage during your trip.

Baggage delay: Covers the cost of reasonable expenses, such as clothes and other personal items, for eligible baggage delays.

Sporting equipment: Reimburses you for damaged, lost, or stolen sporting equipment during your trip.

Sporting equipment delay: Can help reimburse you for the cost of locating your delayed equipment and having it returned to you.

Rental car damage: Provides rental car coverage against collision, theft, vandalism, natural disasters, and any other cause beyond your control.

Trip cancellation for any reason: Allows you to cancel your trip for just about any reason not covered by your standard trip cancellation coverage. This is typically known as cancel for any reason (CFAR) coverage.

Generali Global Assistance travel insurance policies generally don't cover:

Adventure activities, such as mountain climbing, bungee cord jumping, skydiving, parachuting, and more

Elective treatment and procedures

Normal pregnancy

Pandemic and/or epidemic

Reasonably foreseen or expected events

Unlawful acts

Coverage type

Coverage limit

Trip cancellation

Standard: Up to 100% of trip cost

Preferred: Up to 100% of trip cost

Premium: Up to 100% of trip cost

Trip interruption

Standard: Up to 125% of trip cost

Preferred: Up to 150% of trip cost

Premium: Up to 175% of the trip cost

Accidental death and dismemberment (air flight)

Standard: $50,000 ($100,000 maximum per plan)

Preferred: $75,000 ($150,000 maximum per plan)

Premium: $100,000 ($200,000 maximum per plan)

Accidental death and dismemberment (travel accident)

Preferred: $25,000 ($50,000 maximum per plan)

Premium: $50,000 ($100,000 maximum per plan)

Missed connection

Standard: Up to $500

Preferred: Up to $750

Premium: Up to $1,000

Travel delay

Standard: Up to $1,000 (up to $150 daily limit)

Preferred: Up to $1,000 (up to $200 daily limit)

Premium: Up to $1,000 (up to $300 daily limit)

Emergency medical and dental

Standard: Up to $50,000

Preferred: Up to $150,000

Premium: Up to $250,000

Emergency assistance and transportation

Standard: Up to $250,000

Preferred: Up to $500,000

Premium: Up to $1,000,000

Baggage

Standard: Up to $1,000

Preferred: Up to $1,500

Premium: Up to $2,000

Baggage delay

Standard: Up to $200

Preferred: Up to $300

Premium: Up to $500

Sporting equipment

Preferred: Up to $1,500

Premium: Up to $2,000

Sporting equipment delay

Preferred: Up to $300

Premium: Up to $500

Generali Global Assistance offers these travel insurance plans:

Standard: A basic travel insurance plan that includes essential protections, such as trip cancellation and interruption, baggage coverage, and emergency medical and dental coverage.ย 

Preferred: A mid-tier travel insurance plan that includes everything on the Standard plan and adds sporting equipment coverage. This plan also generally provides higher coverage limits.

Premium: A top-tier travel insurance plan that increases coverage limits across the board and allows for preexisting medical conditions and CFAR coverage.

Policy

Cost

Standard

$154.50

Preferred

$179.22

Premium

$218.70

Using the Generali Global Assistance website, we checked travel insurance rates for a 35-year-old traveler from Iowa with a two-week itinerary and a total trip cost of $5,000. We ended up with a range of $154.50 to $218.70, depending on the plan.ย 

Provider

Cost range

AAA travel insurance

$195 to $312

Allianz Travel Insurance

$46 to $510

Arch RoamRight

$49 to $574

AXA Travel Insurance

$136.49 to $740

IMG Travel Insurance

$40.69 to $282

Seven Corners

$49.50 to $690

Travelex

$38 to $181

Travel Guard

$56.25 to $338.12

Travel Insured International

$94 to $331

WorldTrips

$32.10 to $236

Generali Global Assistance travel insurance premiums are fairly consistent with competitor pricing. However, Generali policies don't include annual plans or options for medical coverage without trip cancellation protection, which is why Generali premiums don't tend to fall below $100 or rise above $300, though it can depend on the specific policy details.

Yes, Generali Global Assistance is generally considered a good travel insurance company because of its A+ (Superior) Financial Strength Rating from AM Best and for having over 35 years of experience in the travel insurance industry.

Generali Global Assistance offers many essential travel insurance protections, including coverage for:

Accidental death and dismemberment

Baggage loss and damage

Baggage delay

Emergency assistance and transportation

Emergency medical and dental

Missed connection

Trip cancellation and interruption

Travel delay

Generali has a 0.76 NAIC complaint ratio, indicating its complaint rate is lower than the market average.

These are some of the main differences between Allianz and Generali travel insurance:

Allianz offers annual plans, while Generali does not

Allianz provides a longer "free look" period than Generali

Allianz offers CFAR coverage on multiple policies, while Generali only offers it on its Premium plan

Allianz has a lower NAIC complaint ratio

Allianz offers a mobile app for managing policies and filing claims, while Generali provides a web portal

Generali offers higher medical coverage limits than Allianz

Generali U.S. Branch is the underwriter for Generali travel insurance.

Allianz Travel Insurance is a well-known and respected option for travel coverage, offering flexible and comprehensive plans for all types of travelers.

Travel Guard, owned by Zurich Insurance Group, is a leading travel insurer with transparent, flexible policies that suit the needs of all types of travelers.

Travel Insured International has over 30 years of experience in the travel insurance industry and offers a wide range of coverage options to fit varying needs.

AXA Travel Insurance is a leading travel insurance provider that offers both single-trip and annual plans, along with optional add-ons to suit your needs.

Travelex is known for its affordability and streamlined policy options, offering multiple plans to suit your travel needs.

IMG travel insurance offers a range of flexible policies with transparent pricing and coverage details to suit the needs of different types of travelers.