Generali Global Assistance Travel Insurance Review 2024

- Top-notch $1 million per person in medical evacuation coverage.
- Baggage loss coverage of $2,000 per person.
- Missed connection coverage of $1,000 per person after a 3-hour delay.
- Baggage must be delayed for 12 hours before benefits kick in.
- Missed connection coverage only applies to cruises and tours.
Why trust our travel insurance experts
Our team of travel experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 1,855 coverage details evaluated.
- 567 rates reviewed.
- 5 levels of fact-checking.
Generali Global Assistance overview
Generali Global Assistance is a travel insurance provider that provides a wide range of benefits to protect travelers should the unexpected happen before or during a trip. As part of the Assicurazioni Generali Group, Generali Global Assistance insures millions of customers each year.
Top-scoring plan
Worldwide Trip Protector
Medical & evacuation limits per person
$100,000/$1 million
Top-scoring plan
Atlas Journey Preferred
Medical & evacuation limits per person
$100,000/$1 million
Top-scoring plan
RoundTrip Basic
Medical & evacuation limits per person
$500,000/$1 million
Generali Global Assistance travel insurance plans
Standard
The Standard travel insurance plan is Generali Global Assistance’s most affordable plan.
This basic travel insurance plan includes coverages for trip cancellation, trip interruption, baggage loss and 24/7 assistance services. It also includes:
The Standard plan also includes optional rental car damage coverage for up to $25,000 per person for those who plan to rent a car during their vacation.
This basic travel insurance plan only offers $50,000 in travel medical benefits, so it may be best for U.S. trips where your domestic health insurance and dental insurance are likely to cover your medical expenses
Preferred
Generali Global Assistance’s Preferred travel insurance plan is its mid-range trip protection option. It includes all the coverage benefits of the Standard Plan but with higher coverage limits and additional coverage options. For example, this plan offers up to $750 per person for a missed connection which is $250 more than the Standard plan.
It also increases the emergency medical and evacuation limits:
- $150,000 per person in medical coverage.
- $500,000 per person emergency transportation assistance.
- $75,000 per person in accidental death and dismemberment (flight accident).
- $25,000 per person in accidental death and dismemberment (travel accident).
In addition, the Preferred plan offers coverage of $300 for sporting equipment delays and for financial insolvency, if a travel supplier goes out of business within 14 days after you purchase your travel insurance plan.
This plan may be of interest to skiers or golfers who travel with their equipment, international travelers or those traveling to more remote locations who might need emergency medical evacuation.
Premium
Generali Global Assistance’s Premium travel insurance plan is designed for more expensive travel, such as international trips, cruises and tours. It offers the highest available benefit limits of any Generali Global Assistance plan:
- $1,000,000 per person for emergency assistance and transportation.
- $250,000 per person for medical coverage.
- $100,0000 per person in accidental death and dismemberment (flight accident).
- $50,000 per person in accidental death and dismemberment (travel accident).
The Generali Global Assistance Premium plan also offers excellent trip interruption coverage of up to 175% of your pre-paid, nonrefundable trip costs and $25,000 per person in car rental damage coverage.
In addition to higher coverage limits, the Premium plan is the only Generali Global Assistance that covers pre-existing medical conditions, as long as terms are met. These terms include that you must buy the plan no later than 24 hours of making your final trip payment, you are medically able to travel when you purchase the plan and you have insured the full value of your prepaid, nonrefundable trip expenses.
The Premium plan also gives travelers the option to purchase “cancel for any reason” (CFAR) coverage. This optional upgrade will reimburse 60% of your prepaid, non-refundable payments or deposits, up to $10,000 per person, provided you cancel your trip at least 48 hours before the trip is scheduled to start. If you want this add-on, you must buy the travel insurance policy within 24 hours of making your first trip deposit.
This plan may be of interest to senior travelers with pre-existing medical conditions or travelers who want more flexible trip cancellation options
Compare plans offered by Generali Global Assistance
Here is a side-by-side breakdown of what each of Generali Global Assistance’s plans covers. Each plan comes with a 10-day “free look” period during which you may cancel your plan for a full refund if it doesn’t suit your needs.
Travel insurance policy add-ons
Depending on the plan, Generali Global Assistance’s travel insurance upgrades may include:
- Car rental car damage coverage: Provides up to $25,000 in coverage if your rental car is damaged from collision, theft, vandalism, natural disasters or any other cause beyond your control. This coverage pays out the cost repairs or for the actual cash value of the car, whichever is cheaper. It is available as an optional add-on for the Standard and Preferred plans but is automatically included in the Premium plan.
- “Cancel for any reason” (CFAR) coverage: CFAR coverage reimburses up to 60% of the prepaid, non-refundable payments or deposits (up to $10,000 per person) if you cancel the trip at least 48 hours before the departure date. This additional coverage is only available for the Premium plan and must be purchased within 24 hours of your initial trip deposit.
What isn’t covered by Generali Global Assistance
Like many travel insurance policies, Generali Global Assistance does not cover everything, so it is always important to read the fine print before purchasing any policy.
- Pre-existing medical conditions are generally excluded from coverage, but the Premium plan offers pre-existing medical coverage if you purchase it before or within 24 hours of making your final trip payment, you are medically fit to travel at the time of plan purchase and you insure the full value of your prepaid, nonrefundable expenses.
- Reasonably foreseeable events, like known storms, epidemics, acts of war and travel restrictions imposed by government authorities are excluded from coverage.
- Injuries from dangerous activities such as mountain climbing, bungee cord jumping, skydiving, parachuting, hang gliding and parasailing are generally not covered.
- Being under the influence of drugs unless prescribed by a physician will typically result in your travel insurance not covering related losses The same goes for illegal activity.
- Certain destinations. Generali Global Assistance does not provide coverage if you travel to certain countries, such as those with government-imposed travel restrictions.
Learn more: What travel insurance covers
Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.
The factors we scored out of a possible 100 points include the following.
- Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles:
- $3,000, 8-day trip to Mexico for two travelers age 30.
- $3,000, 8-day trip to Mexico for two travelers age 70.
- $6,000, 17-day trip to Italy for two travelers age 40.
- $6,000, 17-day trip to Italy for two travelers age 65.
- $15,000, 17-day trip to Italy for four travelers ages 40, 40, 10 and 7.
- $15,000, 17-day trip to France for four travelers ages 40, 40, 10 and 7.
- $15,000, 17-day trip to the U.K. for four travelers ages 40, 40, 10 and 7.
- Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
- Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
- Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
- Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
- “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
- Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
- Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
- Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.
Some companies may offer plans with additional benefits or lower prices than the plans which scored the highest, so make sure to get travel insurance quotes to see your full range of options.
Frequently asked questions (FAQs)
All Generali Global Assistance travel protection plans include travel concierge services to help travelers with pre-trip travel assistance, rental car reservations, airline reservations, hotel accommodations and even pet services such as finding pet sitters.
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Yes, the Generali Global Assistance Premium plan can cover pre-existing medical conditions if the traveler is medically able to travel at the time of purchasing the plan and the plan is purchased before or within 24 hours of the final trip payment. You also must insure the full value of your prepaid, nonrefundable trip expenses to qualify for this coverage.
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