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Generali Global Assistance Travel Insurance Review — Is It Worth It?

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Table of Contents

Who can get generali global assistance travel insurance, what does generali global assistance travel insurance include, generali global assistance coverage types and benefits, coverage exclusions, comparison of generali global assistance plans, how much does generali global assistance travel insurance cost, how generali global assistance travel insurance compares to other options, tips for ensuring a smooth claim process, final thoughts.

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It’s not fun to think about, but part of trip planning includes considering the “what ifs.”

These include questions like: What if you have to go to the hospital during your trip? What if your flight home is canceled and you have unforeseen expenses as a result? What if you wreck the fancy convertible you rented to drive around the island or contract an illness that causes you to miss your flight home?

Generali Global Assistance is a U.S.-based travel insurance provider that offers 3 different plan levels (Standard, Preferred, and Premium) for trips of differing lengths and travel groups of various sizes. Its plans are available for both domestic and international travel and come as packages, rather than needing to purchase coverage elements independently.

Is Generali Global Assistance travel insurance right for you? Here’s what you should know.

Generali Global Assistance plans are available only to U.S. residents . And while plans are available for both domestic and international travel, not all destinations are covered .

Exclusions include Afghanistan, Belarus, Crimea and the Donetsk and Luhansk People’s regions, Cuba, Iran, Myanmar, North Korea, Russia, Syria, and Venezuela. Additionally, the Generali Global Assistance website says it has limited ability to help you if you’re visiting Ukraine.

Before diving into the coverage terms and benefit types, let’s consider what’s included for all customers, regardless of which plan is chosen.

All customers get a “free look period” of up to 30 days, depending on their state of residence. This period allows you to get a full refund if you decide your Generali Global Assistance plan isn’t the right travel insurance plan for you. However, you can’t receive a refund if you’ve started your trip or if you’ve submitted a claim.

You’re also covered for financial insolvency of your common carrier as part of your trip cancellation and trip interruption benefits. Finally, you’ll have access to telemedicine consultations with any plan type, helping you access a doctor in non-emergency cases.

COVID-19 Coverage

COVID-19 coverage applies under multiple policy benefits. If you meet the requirements , you can be reimbursed for 100% of your expenses and even have your policy extended until your quarantine period ends and you’re able to travel home.

This coverage applies to you, your traveling companions, and family members as long as you purchase your travel insurance plan before getting sick or visiting a doctor. Coverage applies also when you test positive, including at-home tests if they include video supervision.

Optional Add-ons

There are 2 optional add-ons that merit discussion, as well. Cancel for Any Reason (CFAR) coverage isn’t included with any Generali Global Assistance travel insurance plans . However, you can add it to your Premium plan as long as you do so within 24 hours of making the first payment or deposit toward your trip.

Another add-on with Premium plans is coverage for pre-existing medical conditions . To get this coverage, you must add it to your plan before or within 24 hours of your final trip payment. Pre-existing conditions coverage applies if you’re medically able to travel at the time you buy the plan and if all prepaid trip costs with cancellation fees are insured.

Ensure you add Cancel for Any Reason or pre-existing conditions coverage to your plan within 24 hours. Otherwise, you’ll lose these options.

When considering a travel insurance plan, you’re probably assuming that you get more coverage when you pay more. That’s largely true. Benefit coverage amounts will be higher on premium plans from the same provider. But that’s not necessarily true when comparing providers to each other.

In order to know what you’re looking for in a travel insurance policy, you should first understand what the types of coverage are:

• Cancel for Any Reason (CFAR) Coverage: This add-on policy covers up to 60% of your losses if you cancel for reasons not covered in other sections of your policy.
• Pre-existing Medical Conditions: Available only with the Premium plan, your current medical conditions may be covered if you buy a plan before or within 24 hours of making your final trip payment and are medically able to travel at the time of purchase.
• Trip Cancellation Insurance: You’ll receive reimbursement for prepaid, non-refundable costs if you cancel a trip for one of the covered reasons listed in your policy.
• Trip Interruption: Once you start your trip, this coverage goes into effect and can reimburse non-refundable costs from lost portions of your travel plan. It also can cover costs to catch up with your trip if there are delays for covered reasons.
• Trip Delay: You can be reimbursed for meals, parking, transportation, and other expenses incurred because of delays. This coverage goes into effect after a delay of 10 hours with the Standard plan, 8 hours with the Preferred plan, or 6 hours with the Premium plan.
• Baggage Loss or Damage: This coverage is secondary to homeowner’s or renter’s insurance and covers lost, damaged, or stolen baggage — including the items inside, with some exceptions. This coverage may even reimburse the cost of replacing a passport during your trip.
• Baggage Delay: If your luggage is delayed, you can be reimbursed for reasonable costs incurred while waiting for it to arrive, such as clothes and toiletries. Reimbursement only applies after delays of 24 hours with the Standard plan, 18 hours with Preferred, or 12 hours with a Premium plan.
• Sporting Equipment Loss or Damage: Similar to baggage coverage, this section specifically applies to sporting equipment you take on your trip.
• Sporting Equipment Delay: You’ll be reimbursed for costs incurred while waiting for delayed sporting equipment, such as needing to rent skis until yours arrive. Required delays are 18 hours with Preferred plans and 12 hours with Premium plans.
• Missed Connection: This coverage applies only to cruises and tours and covers your extra costs to catch up with your travel plans and/or lodging and meals during your delays. Coverage applies to flights that are canceled or delayed for at least 3 hours because of inclement weather.
• Medical and Dental: This protection covers illnesses and injuries during your trip and the resulting expenses. It also can cover deductibles or unpaid expenses from your health insurance provider.
• Emergency Assistance and Transportation: If you encounter an emergency or medical situation where adequate healthcare isn’t available nearby, you can be evacuated to an appropriate facility. This policy also covers returning your remains to the U.S. or local burial costs in the event of death.
• Accidental Death and Dismemberment — Air Flight Accident: This coverage provides payments if you lose life, limb, or sight during a flight. In case of death, the payout goes to your designated beneficiary.
• Accidental Death and Dismemberment — Travel Accident: Similar to the coverage above, this covers loss of life, limb, or sight during other types of travel (not flights).
• Rental Car Damage: You’re covered for collision damage, theft, vandalism, natural disasters, or damages for reasons beyond your control. Some types of vehicles are excluded, but coverage applies to all drivers listed on your rental agreement. Coverage is up to the cash value of the car or the cost of repairs and related costs — whichever is less. This coverage isn’t available to residents of Texas.

It’s also important to note that each section has rules and restrictions about which costs are covered, when coverage applies, and other terms you must follow.

Sometimes, understanding what’s not included may be more important than comparing prices between Generali Global Assistance plans and other companies selling travel insurance.

Why is that? Well, exclusions are built into every insurance benefit , and it’s important to know if your particular trip, destination, or activity is excluded from coverage. Having robust travel insurance won’t help if it doesn’t cover your specific situation.

For example, you aren’t covered if you sustain injuries while intoxicated or for medical emergencies related to pregnancy . You also aren’t covered when you’re the one flying a plane or you’re participating in extreme sports .

Coverage excludes war zones and certain destinations , as well. These include Belarus, Cuba, Iran, North Korea, Russia, Syria, and disputed regions of Ukraine.

Generali Global Travel Assistance Standard Plan

The Standard plan provides the most common coverage elements , reimbursing you for canceled, delayed, or interrupted trips if the reasons meet those outlined in your policy.

While you won’t be covered for sporting equipment problems or death/dismemberment anywhere outside a plane, you can be covered for medical problems and even missed connections. And if you use a credit card with rental car insurance , you may not be concerned about not having this coverage in your policy.

Generali Global Travel Assistance Preferred Plan

The Preferred plan includes everything in the Standard plan but with greater coverage amounts in nearly every category . Rental car coverage is still missing, but you’ll gain coverage for sporting equipment delays and damages/losses and coverage for death or dismemberment throughout your trip.

Generali Global Travel Assistance Premium Plan

This is the only plan that includes car rental damage and is the only plan allowing for add-on coverage related to pre-existing medical conditions or canceling for any reason. It has the greatest coverage limits of any plan . It even includes $1,000,000 in emergency assistance and transportation coverage.

If you want coverage for pre-existing medical conditions or Cancel for Any Reason coverage, those are only available as add-ons to a Premium plan.

If you want coverage for pre-existing medical conditions, you must add this option before or within 24 hours of your final trip payment and must be well enough to travel at the time you purchase the policy. Cancel for Any Reason coverage is an optional add-on here, as well, and it must be added within 24 hours of your first payment toward the trip.

Let’s look at some sample plans to see how much a policy costs. This will give you a better idea of whether these plans fit your budget.

Generali Global Assistance Travel Insurance vs. Competitors

Before buying a travel insurance policy from Generali, it’s worth understanding how its plans compare to popular competitors like Seven Corners and WorldTrips . We priced a 5-day trip to Mexico in November 2023 for a family of 4 (ages 40, 39, 10, and 8) with a trip cost of $3,000 using Squaremouth. The first trip deposit was made in the past 24 hours in this estimate.

WorldTrips’ plan is significantly cheaper , despite all 3 offering similar trip cancellation, COVID-19, and terrorism-related coverage. Generali has the highest trip interruption amount — a full 25% higher than the other 2 options.

All 3 plans have the same coverage for medical-related cancellations, CFAR, and trip interruptions. Only WorldTrips has coverage for work-related cancellations .

While all 3 have the same coverage for medical evacuation , the emergency medical benefits are vastly different . Seven Corners offers $500,000, Generali has $250,000, and WorldTrips has just $150,000.

Generali Global Assistance charges more than some competitors without providing higher benefit thresholds across the board. The real differentiator is in trip interruption and emergency medical benefits. If you don’t need higher coverage in these areas, other companies may have better price-per-benefit options for you.

Generali Global Assistance Travel Insurance vs. Credit Card Insurance

Before deciding to buy an insurance policy for an upcoming trip, understand that your credit card may provide some of the same coverage.

However, how you trigger that coverage can vary — such as whether you need to pay the full amount of the trip or just part of it with your card (or whether using points to pay qualifies). Here’s a look at how Generali’s Premium Travel Insurance Plan compares to coverage with The Platinum Card ® from American Express , Capital One Venture X Rewards Credit Card , Chase Sapphire Preferred ® Card , and the  Chase Sapphire Reserve ® .

Always review and compare your options, whether that’s with another travel insurance company or travel insurance with a credit card .

You hope you never have to use your travel insurance. If you do, however, there are certain things you can do to improve the claims process.

First, save all receipts , especially if you buy new equipment or clothing for your trip. Insurance claims will use depreciation when evaluating how much lost/damaged items are worth. If your items are brand new, you’ll want to prove that they haven’t depreciated in value. You also want to save all receipts for your reimbursement claims. These include hospital visits, medications, meals during flight delays, etc.

Additionally, ensure you read the terms of your policy and that you understand them . This way, you’ll know what is and isn’t covered. This will help you avoid submitting claims for items that aren’t covered or purchasing items for which you won’t be reimbursed.

Finally, ensure you cover all costs associated with your trip . This is especially true for any parts of your trip with change or cancellation policies. When you must purchase your policy in relation to first payments and final payments changes depending on what coverage you want. Make sure you know this and get the right coverage at the right time to cover everything you need.

If you need to file a claim, you can do so in the online claims portal . You’ll start by putting in your policy number, which is included in your original confirmation email. From here, the site will guide you through the claims process. If you’ve lost the confirmation email and don’t know your policy number, you can call 800-541-3522 or email [email protected] .

Travel insurance is something you hope you never need. In an ideal world, your flights would all arrive on time and you’d never get hurt.

Unfortunately, however, things can and do go wrong. Generali Global Assistance offers 3 travel insurance plans with various coverage types and optional add-ons. Refer to this guide often to fully understand their similarities and differences to help you choose the right one for your next holiday.

For Capital One products listed on this page, some of the above benefits are provided by Visa ® or Mastercard ® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

For the baggage insurance plan benefit of the Amex Platinum card, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the car rental loss and damage insurance benefit of the Amex Platinum card, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the premium global assist hotline benefit of the Amex Platinum card, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by premium global assist hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, card members may be responsible for the costs charged by third-party service providers.

For the trip delay insurance benefit of the Amex Platinum card, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip cancellation and interruption insurance benefit of the Amex Platinum card, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Is generali global assistance good insurance.

Generali offers multiple, robust insurance plans. After more than 26,000 customer reviews, Generali Global Assistance has a 4.8/5 rating on its own site, 4.36/5 average on Squaremouth, and 3.5/5 on Trustpilot.

How big is Generali Global Assistance?

It’s part of Assicurazioni Generali Group, one of the 50 biggest companies in the world, and Generali Global Assistance is one of the largest insurance providers in the world. It’s available in 60 countries on 5 continents, employing more than 75,000 people worldwide.

Who owns Generali travel insurance?

Generali Global Assistance is part of Assicurazioni Generali Group, headquartered in Italy. However, the U.S. division was founded in 1935. It maintains staff and support centers in San Diego and Pembroke Pines, Florida.

How do I contact Generali Global Assistance?

For 24-hour emergency assistance, call 877-243-4135 or 240-330-1529 from outside the U.S. For customer service, call 800-874-2442. You can file a claim online or email [email protected] .

How do I file a claim with Generali Global Assistance?

You can file a claim online or email [email protected] . You also can call 24-hour customer service for help with your claim. The U.S. phone number is 800-874-2442.

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About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and now plans to let his wife choose their destinations. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.

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Generali Global Assistance Travel Insurance Review (2024)

Planning a trip? Read our review of Generali travel insurance to see if its policies offer the coverage you need.

in under 2 minutes

If you’re planning an international or domestic vacation, consider protecting your trip with travel insurance. The Generali Group is one of the most popular U.S. travel insurance providers. It’s our travel insurance pick for emergency assistance. It has extra policy inclusions, such as rental car collision coverage and sporting equipment benefits. Let’s see if this insurance provider is the best option for your upcoming trip — and if it is worth the price.

Learn more about the benefits of Generali travel insurance, what you might pay for coverage and how to get a quote.

• Average Cost: $201
• BBB Rating: A+
• AM Best Score: A+
• Medical Expense Max: $250,000
• Emergency Evacuation Max: $1,000,000

Our Take on Generali Global Assistance Travel Insurance

We gave Generali Global Assistance 4.5 out of 5.0 stars , with top marks for its emergency assistance features. Its trip interruption and travel delay coverages are generous, with up to 175% coverage for trip interruptions. Generali’s policies also offer to cover sporting equipment and baggage loss and delay , which is beneficial if you bring expensive equipment with you. All of Generali’s plans also include 24/7 multi-lingual support — a lifesaver if there’s an international emergency.

Generali’s travel insurance could be less valuable for you if you’re shopping for the most affordable coverage . In our review, we found that two people are likely to pay almost $300 on average for an international policy, which is less than budget options like Faye or Trawick. Generali’s CFAR reimbursement option also only covers 60% of trip costs, which is disappointing compared to other insurers.

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Pros and Cons of Generali

Generali travel insurance plans.

Generali’s travel insurance policies are significantly more inclusive compared to the specific inclusions found on competitors’ policies. Coverages are generous. For example, while providers like Trawick have trip interruption coverage of 100% of plan expenses, Generali’s plans cover more — up to 175% of costs. These policies also have standardized items like sporting equipment and rental car coverage, which are usually add-ons with other providers.

Let’s look at Generali’s three plans: Standard, Preferred and Premium.

Standard Plan

Generali Travel Insurance’s basic trip coverage option is its Standard Plan. It includes a range of policy inclusions despite its low price point . You’ll find these protections on the Standard Plan:

• 100% of trip cancellation costs
• 125% of trip interruption costs
• $50,000 worth of coverage for emergency medical and dental expenses
• $1,000 ($150 per day) to cover accommodations and other expenses caused by trip delays
• $250,000 for medical evacuation and repatriation
• $1,000 in baggage coverage
• $200 per person for baggage delay
• $50,000 worth of accidental death and dismemberment (AD&D) coverage (flights only)

All Generali plans carry 24/7 travel concierge services, which help you access local medical care and emergency services. This inclusion is a major benefit if you visit a country where you cannot speak the primary language. It includes telemedicine, no out-of-pocket medical expenses and identity theft coverage, even the lowest-tier policy.

In addition to the Standard Plan, Generali offers two higher coverage tiers, which have extra and extended benefits.

Preferred Plan

The Preferred Plan is Generali’s middle-tier coverage and is useful for sports travelers because of its standard equipment coverage. The Preferred Plan includes all the benefits from the Standard Plan, plus these extra items or extensions:

• 150% of trip interruption costs
• $150,000 worth of coverage for emergency medical and dental expenses
• $1,000 ($200 per day) to cover accommodations and other expenses caused by trip delays
• $1,500 in baggage coverage
• $1,500 coverage for sporting equipment
• $300 for sporting equipment delays
• $300 per person for baggage delays
• $750 for missed connections
• $500,000 for medical evacuation and repatriation
• $75,000 worth of AD&D coverage (flights only)
• $25,000 worth of standard non-flight AD&D coverage
• Coverage for financial insolvency of your tourism and travel vendors

Premium Plan

The Premium Plan is Generali’s most comprehensive travel insurance plan, promoting coverage for extended medical and baggage incidents. It includes all of the coverage ranges found on the Preferred Plan, plus the following extra benefits and extensions:

• 175% of trip interruption costs
• $250,000 worth of coverage for emergency medical and dental expenses
• $1,000 ($300 per day) to cover accommodations and other expenses caused by trip delays
• $2,000 in baggage coverage
• $2,000 coverage for sporting equipment
• $500 for sporting equipment delays
• $500 per person for baggage delay
• $1,000 for missed connections
• $1 million for medical evacuation and repatriation
• $100,000 worth of AD&D coverage (flights only)
• $50,000 worth of standard AD&D coverage
• $25,000 worth of rental car collision coverage

The premium plan is the only one of Generali’s travel insurance plans that covers pre-existing conditions and that allows you to add CFAR coverage.

Generali Add-On Options

Add-ons, also known as insurance riders, are optional benefits you can add to a travel insurance policy to increase your coverage. Generali Global Assistance has fewer travel plan add-ons than some other companies. You can add the following two coverages to your policy:

• Rental car damage: This add-on covers costs associated with rental car damages while traveling. You can add it to the Standard or Preferred plans, and it’s automatically included in the Premium Plan.
• CFAR coverage: Extends your trip cancellation benefits to cover situations outside your standard policy. Generali only allows you to add this coverage to its Premium policies.

Cost of Generali Travel Insurance

The coverage tier you select plays a major role in your cost. Higher tiers of travel insurance include more expensive coverages and a wider selection of reimbursements, which increases the insurer’s financial risk. So, higher levels of coverage are more costly than lower tiers.

In our travel insurance review, we found the average traveler can expect to pay between $70 and $751 for coverage. The price is a bit more expensive than competitors like Faye, which specializes in budget policies.

The overall cost of your trip also affects travel insurance costs. Browse our table to get a better idea of how different types of trips may affect cost.

Use the chart below to compare Generali's average cost to competitors:

Generali Domestic Travel Insurance

Generali also offers travel insurance coverage on U.S. domestic trips. Our table summarizes what a 30-year-old couple could expect to pay for each of Generali’s plans on a $5,000 trip to New York.

Read More: Travel Insurance For Parents Visiting The USA

Generali Travel Insurance Reviews

Generali travel insurance holds 3.5 out of 5 stars from almost 250 customer reviews on Trustpilot. Many satisfied customers report that the process of getting an insurance policy is simple and the coverage is comprehensive. Unsatisfied customers mentioned how the claims process is complicated and can take months to resolve. However, in a number of cases, customers who initially left negative reviews about a lack of communication following claims noted swift resolution after leaving a review.

Below are some examples of positive and negative company reviews on Trustpilot.

“Very competitive plans at decent prices. Hard to say for sure how good it is until I make a claim, but the purchase experience was smooth. One problem with travel insurance is it is not always easy to determine what will be covered. Recently, I have come to believe that the most important feature of any travel insurance is coverage for an enormous loss, such as medical evacuation from a remote location (like a cruise ship). Even the basic Generali plan offers very good coverage in that area.” — Joe B. via Trustpilot “I've used Generali in the past. If I had a claim it was fulfilled in a timely manner. Once my trip was canceled and though there was some confusion about my policy, [Generali] stuck with it and I was refunded my entire amount. [Generali is] good to work with.” — Dennis S. via Trustpilot “I travel up to three times a year and always use Generali. I usually do not submit a claim but have for a skiing accident. I submitted the claim over a month ago and upon checking in with a live agent over chat, was told that in those 33 days, nobody has picked up the claim and there is nothing she can do about escalating it … But immediate action was taken after I left this review. The check is in the mail.” — Anteres N. via Trustpilot "In December we visited a sick relative who subsequently passed away. At the same time, both me and my partner got sick and could not travel. Almost two months later, we have not received the claim money from the trip. It seems our claim has not yet been assigned a rep. I realize there have been some airline meltdowns and [Generali is] busy but the communication is terrible. We are so frustrated … the whole time we've dealt with it has been horrible and extremely stressful — what you don't need when traveling!” — Carol S. vis Trustpilot

How To File a Claim with Generali Travel Insurance

Generali offers a three-step process for filing a travel insurance claim:

• Visit Generali’s website and log into your eClaims portal to access the claims form. If you’re in an area where you can’t file a claim online, call 800-541-3522.
• Upload supporting documentation to your account or email it to a representative according to Generali’s requests. Examples of documents you might need include hospital reports and flight cancellation confirmations.
• After submitting your claims package, Generali will assign your case a number and a representative. You’ll hear from your representative, who will help guide you through the next steps.

Keep your documentation — in either digital or physical form — as you travel in case you need to use emergency assistance services.

Compare Generali to Other Travel Insurance Companies

Now that you understand what Generali’s plans cover let’s take a look at how it stacks up against top travel insurance competitors.

The countries you visit also play a role in travel insurance pricing. Here are a few examples of how your destination might impact your travel insurance premium.

What’s Not Covered by Generali Travel Insurance?

While Generali’s policies include generous trip coverage and medical insurance , they don’t cover everything. The following are a few exclusions you’ll find on Generali’s coverages — and where you can find these inclusions if they’re important to you.

• Business equipment: While Generali’s policies have options to cover sporting equipment, coverage does not extend to business equipment and technology. If you plan to travel with more expensive business luggage, consider a provider like Travelex that offers protection for these items.
• Extreme sports: Medical insurance for travel policies doesn’t usually extend to injuries sustained while participating in extreme sports. If you’re planning on hiking, scuba diving, mountain biking or performing other serious physical activities abroad, consider a provider like IMG Travel Insurance or Travelex. While Generali doesn’t allow you to extend medical coverage to include these circumstances, other insurers offer an extreme-sports add-on.
• Non-medical emergency evacuations: Generali’s travel insurance plans include coverage for medical evacuations only. If you believe you might need emergency political or environmental evacuation resources, consider a provider like AXA , which has this option.

Is Generali a Good Choice for Travel Insurance?

The choice of travel insurance provider usually comes down to your individual needs. If you’re traveling to an area where you can’t speak the primary language, Generali’s around-the-clock concierge emergency service could provide peace of mind. But if you’re looking for political evacuation assistance and reimbursements or more expansive CFAR coverage, Generali might not be the best choice.

Frequently Asked Questions About Generali Travel Insurance

How do i file a claim with generali travel insurance.

You can file a claim with Generali Global Assistance travel insurance online using its eClaims portal. Alternatively, you can call the Claims Department at 1-800-541-3522. You will need to provide disclosures about the circumstances of your claim, along with supporting documentation to prove your losses, such as a credit card statement.

Once submitted, Generali will assign your claim to a representative to manage from start to finish. Your refunded amount will depend on your travel insurance plan and related coverage limits. You can monitor the status of your claim on the eClaims portal.

What is the difference between trip cancellation and trip interruption coverage?

Trip cancellation coverage includes non-refundable expenses you made before traveling, such as airline tickets and lodging. Coverage kicks in if your trip is canceled for a covered reason, leaving you unable to travel. Trip interruption coverage begins after you leave and covers expenses if you need to cut your trip short or return home early.

Both forms of insurance are designed to safeguard against unforeseen events, such as the policyholder or a close family member suffering an injury, serious illness or accidental death. Unforeseen events can also include terrorism and natural disasters.

How much do Generali travel insurance premiums cost?

The price of Generali travel insurance depends on factors such as the cost of your trip, how long you are traveling and who is going. Based on sample quotes we pulled for a $5,000 trip to Cancun, Mexico, it would cost $168 to insure two New York residents in their 30s under the Standard Plan. Prices were higher for the Preferred and Premium plans, ranging from $195 to $228.

We recommend you request a free quote on the Generali website to check rates and compare options before you buy travel insurance. The company also offers a 10-day “free look” period in which you can decide if the policy is right for you. If you are unsatisfied or find a better policy elsewhere, you can cancel for a full refund.

How does Generali pay claims?

Generali’s team recommends that you elect to receive claims payouts using its e-payment partner Zelle. When you choose to receive payments through Zelle, you can receive payment in as little as a day. Otherwise, Generali will mail you a check with your payment, which will usually take between seven and 10 business days.

Does Generali have 24/7 travel assistance?

Yes, all of Generali’s travel insurance policies include access to a 24/7 travel insurance hotline that is offered around the clock to support customers in all time zones. To get in touch with Generali’s 24/7 customer service team, call (877) 243-4135 if you’re in the U.S. +1 (240) 330-1529 if you’re abroad.

Does Generali cover COVID-19?

Yes, Generali’s travel insurance policies include COVID-19-related expenses as standard medical coverage. In other words, the company treats COVID-19 the same as any other illness under your travel insurance reimbursement limits and specifications.

Other Travel Insurance Providers to Consider

• TravelSafe Travel Insurance Review
• Nationwide Travel Insurance Review
• World Nomads Travel Insurance Review
• Faye Travel Insurance Review
• Tin Leg Travel Insurance Review
• Travelers Travel Insurance Review
• Allianz Travel Insurance Review
• WorldTrips Travel Insurance Review

Methodology: Our System for Rating Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

Joseph Reaney is an experienced writer for travel brands, including Lonely Planet, Fodor’s, DK Eyewitness and National Geographic. He is also the founder and editor-in-chief of the travel specialist content writing agency World Words . When he isn’t busy traveling or writing about it, you’ll find him at the local comedy club.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York's Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

If you have questions about this page, please reach out to our editors at [email protected] .

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• Generali Travel Insurance Review

On This Page

• Key takeaways

Is Generali travel insurance any good?

• Bottom line Main highlights of Generali travel insurance

Generali travel insurance plans & coverage

Compare generali travel insurance coverage, cost of generali travel insurance plans, generali travel insurance reviews from customers, is generali travel insurance worth it, faq: generali travel insurance, related topics.

Generali Travel Insurance Review May 2024

• Generali Global Assistance offers three comprehensive travel insurance plans : Standard, Preferred and Premium.
• All plans include medical and medical evacuation coverage, as well as coverage for lost/damaged baggage and trip cancellations, delays and interruptions.
• You can purchase rental car coverage as an add-on for any of the three plans.
• Generali has excellent ratings of A+ from the Better Business Bureau and A from AM Best. Generali customers give the provider 4.34 stars out of 5!
• Customer reviews highlight an easy claims process, clear terms and helpful customer service .
• To easily view all travel insurance plans available, try using an online comparison tool .

With over three decades in the industry , Generali Global Assistance stands out as a reliable travel insurance provider.

The company offers three plans with various coverage options that cater to your specific travel needs.

In the Generali review, we’ll break down its offerings and give insight into customer experiences to help you decide if this provider is the right choice for your travel insurance.

• A+ from the Better Business Bureau
• High medical and medevac limits
• Every plan includes coverage for trip cancellation
• Higher cancellation limits
• Pre-existing conditions only covered in the premium plan
• Baggage delay coverage requires 12 hour delay (long)

Yes, Generali travel insurance is a good choice for a travel insurance provider.

Generali is one of the largest travel insurance brands in the world. The company has been in business for 32 years, and it’s also accredited by the Better Business Bureau. 

Generali has an A+ BBB rating and an A (excellent) AM best financial rating, which means it has an excellent ability to  meet its ongoing insurance obligations . In other words, the company isn’t likely to fail.

Unlike many travel insurance providers, Generali offers comprehensive plans at every level . Even the most basic plans include several types of insurance coverage. That’s why Generali Standard is one of the top five most popular travel insurance policies sold on our website.

Here’s a look at the main highlights and benefits of Generali travel insurance.

Bottom line: Main highlights of Generali travel insurance

Generali Global Assistance only offers three travel insurance plans, but each one is extremely comprehensive. 

All three plans offered by Generali Global Assistance have high medical and medevac limits , giving you extra peace of mind for both domestic and international trips. This can be especially beneficial if you plan to travel to a remote area where you may need much higher medevac insurance limits.

In addition to medical and medical evacuation coverage , every plan includes coverage for trip cancellation , trip delays, trip interruptions and lost/damaged baggage. That’s not always the case with travel insurance. Generali Global Assistance travel insurance also has higher limits for these scenarios, which is a huge benefit because delays, cancellations and interruptions are so common.

Generali Global Assistance offers three travel insurance plans: Standard, Preferred and Premium.

Generali Global Assistance

Generali standard.

This insurance plan is great for travel within the United States, North America and the Caribbean. It comes with $50,000 in medical insurance per person, which is ideal for supplementing your existing U.S. health insurance plan. The Standard plan also includes $1,000 in coverage for lost or stolen baggage, $200 per person for baggage delays and up to $250,000 in emergency assistance and transportation benefits.

Generali Preferred

The middle-of-the-road insurance plan has high coverage limits for trips abroad or within the United States. In general, you’re paying for higher limits on all standard benefits, but the plan does come with a few extras. For example, the Preferred plan includes dental coverage, additional accidental death and dismemberment (AD&D) benefits and insurance for lost or damaged sports equipment.

Generali Premium

This insurance plan is best for premium coverage on international trips or trips to remote locations where you may need higher plan limits and payouts. It comes with $250,000 of medical coverage per person and $2,000 per person in baggage coverage. The Premium plan also includes rental car coverage as a standard benefit.

Optional rental car collision damage waiver

Generali Global Assistance also offers $25,000 in rental car damage protection. This is an optional benefit, so it doesn’t come standard with any of the three insurance plans described above. However, you can pay extra to opt in and get upgraded benefits.

If you add this type of insurance to your plan, you’ll be covered for losses due to vandalism, collision, inclement weather and theft.

The company will pay the lesser amount of the following:

• The cost to repair the vehicle and any rental fees charged while it’s out of service
• The cash value of the vehicle

This type of travel insurance doesn’t apply to vehicles that are more than 20 years old, vehicles used for commercial purposes or vehicles with a manufacturer’s retail price exceeding $75,000. There are some additional exclusions, so read your travel insurance policy carefully to ensure you understand what’s covered.

Things not covered by Generali Assistance USA Travel Insurance

Generali Global Assistance offers comprehensive travel insurance, but its plans don’t cover everything. 

These items are excluded from the Standard, Preferred and Premium insurance plans:

• Financial defaults: In the insurance industry, financial default coverage protects you in the event that a travel supplier suspends its operations due to financial difficulties. Generali’s travel insurance plans don’t come with this type of coverage.
• Cancel for any reason: Cancel-for-any-reason travel insurance allows you to recoup your costs for any reason, even one that isn’t listed as a “covered reason” under your basic trip cancellation coverage. Generali offers this type of insurance as an add-on, but cancel-for-any-reason coverage isn’t included with the Standard, Preferred or Premium plans.
• Pre-existing conditions: When you’re looking at travel insurance, a pre-existing condition is any health problem that you had before you booked your trip. Unless you purchase an add-on, Generali doesn’t provide any coverage for these conditions . The company has a 180-day lookback period, which means your illness or injury must be stable for at least 6 months if you want a pre-existing condition waiver.

According to sales data from visitors to our website, the average cost of a Generali Global Assistance travel insurance plan is $282.95 for a 14-day trip.

Of course, many factors go into determining the cost of travel insurance, such as:

• The type of coverage
• The number of travelers
• The length of the trip
• Your destination

To give you a general idea of how much Generali travel insurance plans cost , we got various quotes for the Standard, Preferred and Premium plans. For all quotes, we used California as the state of residence.

Example Quotes from Generali Global Assistance

One of the best ways to get an idea of quality is to review what Generali customers are saying about it. To help you get a better idea of what Generali customers like (and don’t like), we’ve done the research and listed out the top recurring feedback from real customers on Squaremouth .

What customers like

Customers have mentioned the following as some of the major benefits of purchasing travel insurance from Generali:

• Easy claims process
• Clear terms of service
• Helpful customer service agents

Here are a few comments from satisfied reviewers:

Tatiana from California: “It gave me a peace of mind, and I will use it again in the future.”

Kathryn from New York: “The insurance company sent me a notification and asked if I needed their assistance. I refused because I had a courtesy well check from the hotel physician and was fine. I was extremely pleased with the company’s immediate follow up.”

What customers don’t like

Although this travel insurance provider has thousands of positive reviews, past customers have pointed out a few drawbacks to using Generali:

• Slow to reimburse
• Difficulty connecting with a live agent
• Cumbersome documentation requirements

These reviewers provided negative feedback:

AJ from Massachusetts: “I tried to file a claim; their online claims module failed miserably. It kept rejecting my UN and PW, even though I was logged in and using the same credentials, as required, for the claims site.”

Rinnea from Illinois: “They say claim is under review. It has been since August 18 when they received claim. It is now October 17 and nothing.”

Buying travel insurance from Generali is definitely worth it. It’s a well-established company with several plans to suit your unique needs.

The Standard plan was one of the best-selling plans on our website over the past year, indicating it was one of the most popular options with customers.

Generali is right for customers who need comprehensive travel insurance and don’t want to spend time picking from 10 or 12 plans. Although the company only offers three types of travel insurance, each plan includes valuable benefits.

The Standard plan is ideal for budget-conscious consumers who need travel insurance and don’t want to spend a lot of money. Generali’s standard benefits are well-suited for people taking trips within the United States, Canada, Mexico and the Caribbean.

Generali’s Preferred travel insurance is ideal if you’re traveling internationally or planning an expensive trip within the United States. It increases the limits on standard benefits and adds dental coverage, travel insurance for lost or damaged sports equipment and extra AD&D coverage.

Premium travel insurance is best for travelers who plan to travel overseas or spend time in remote locations, as it costs a lot more to get emergency care in a remote area than it does in a big city. The Premium plan comes with high coverage limits and adds rental car coverage as a standard benefit.

If you’re looking for a larger selection of plans, you may want to go with a different travel insurance provider.

Here are our top picks for the best alternative plans

AXA Assistance USA

Seven corners, are generali travel insurance plans good.

Yes. Although the company only offers three travel insurance plans, each one comes with solid coverage limits. Every plan also includes coverage for trip delays, trip interruptions, trip cancellations and lost/stolen baggage, which is unusual for such inexpensive travel insurance. Depending on which plan you purchase, Generali Global Assistance may reimburse you for anywhere from 125% to 175% of your trip cost for travel interruptions.

Does Generali cover COVID-19?

Yes. Each travel insurance policy covers COVID-19  as part of its standard benefits. For example, if you come down with COVID-19 after your trip begins, the company may reimburse you for all non-refundable expenses under the terms of your trip interruption coverage. You may also be able to use trip cancellation coverage, medical benefits, medical evacuation insurance or other travel insurance benefits to recoup your costs.

Does Generali include 24/7 travel assistance?

Yes. The company offers 24/7 travel assistance for customers who need help navigating international medical systems, finding emergency medical resources, using travel insurance benefits or returning home due to a medical emergency.

Does Generali travel insurance come with a money-back guarantee?

If you aren’t happy with the coverage you purchased from Generali Global Assistance, you have 10 days from the date of purchase to contact the company and cancel. As long as you haven’t started your trip or filed a claim, Generali will reimburse you for the full cost of your plan. Note that Indiana residents are eligible for a refund up to 30 days after the original purchase date.

Does Generali have an app for travel insurance claims?

Generali doesn’t have an app for submitting travel insurance claims. However, it does have an online portal. You can always use your smartphone or tablet browser to access the portal and start the claims process.

Does Generali travel insurance cover trip cancellations?

Yes. Unlike many insurance providers, Generali includes trip cancellation coverage as a standard benefit with all three of its plans. If you have to cancel your trip for a covered reason, the company will reimburse you for any prepaid, non-refundable expenses. For example, if you paid $1,500 for flights and can’t get a refund from the airline, you may be eligible for reimbursement from Generali.

Does Generali travel insurance work abroad?

Yes. All three of Generali’s insurance plans work abroad, but we recommend that you buy the Preferred plan or the Premium plan if you intend to do any international travel. These plans have higher limits than the Standard plan, so they’re more helpful if you have some type of emergency while you’re overseas.

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last five years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

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Generali Global Assistance 2021 Review. Pros, cons, pricing, and more.

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Generali Global 2024 Review

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Generali Global Assistance Review

The owner of CSA Travel Protection and Trip Mate, Generali Global Assistance is one of the biggest names in the travel insurance world. Even if you don’t purchase your insurance directly from Generali, odds are certain assurance products — like language assistance, facility finding, or concierge services — are provided by this Italian insurance giant.

Should you purchase your travel insurance from Generali as well? In this review, we’ll dive into what plans Generali Global Assistance offers customers, and who would benefit most from their options.

What is Generali Global Assistance?

As an insurance company, Assicurazoni Generali traces their history back to Trieste, Italy. In 1831, Generali first opened for business as a property insurance company. Over the next 190 years, the company went through several transitions as Italy — and greater Europe — broke up and reformed several times. Today, the company is the largest insurer in Italy, and is the ninth largest insurance company worldwide by value of net premiums written. In Europe, Generali is only behind AXA and Allianz.

Although the company is well known for their variety of insurance products, their entry into the travel market came after the purchase of two well-known travel insurance companies: CSA Travel Protection and Europ Assistance. Pierre Desnos founded Europ Assistance in 1963, offering travelers translation and medical aid when traveling.

CSA Travel Insurance was formed in 1991 as one of the pioneers of the travel insurance industry. Their first product covered trip cancellation for tourists going abroad, allowing them to recover certain costs in the event a major life event forced them to stay home.

Generali purchased the assets of Europ Assistance in 2001, followed by CSA Travel Protection years later. By 2016, the Italian insurance giant began rebranding CSA and Europ Assistance USA as Generali Global Assistance, giving them a unified brand in the marketplace. Three years later, Generali would go on to acquire Trip Mate, further expanding their reach into the travel insurance market.

Generali Global Assistance Travel Insurance Options

Generali Global Assistance offers three levels of travel insurance policies for international travelers, ranging from Standard to Preferred. The best plan for your travels will depend on your destination, planned activities, and how much your trip costs.

Generali Standard Travel Insurance

Built for travelers on a budget, Generali’s Standard travel insurance plan covers all the basics. Trip cancellation, trip interruption, baggage loss and medical emergency coverage. This plan is designed for those taking a smaller trip, such as a cruise or a resort vacation.

Generali Preferred Travel insurance

Improving off the Standard plan, Generali Preferred travel insurance offers additional benefits for those taking a longer or more expensive trip. In addition to higher benefit maximums, the plan offers coverage for lost or delayed sporting equipment, operator financial insolvency, as well as accidental death and dismemberment aboard a common carrier.

Generali Premium Travel Insurance

For travelers who are taking an expensive trip abroad with a cruise line or tour company, Generali’s Premium travel insurance plan has the highest benefit maximums and most add-on options, including coverage for pre-existing conditions. Alongside up to $1 million in emergency assistance and transportation, travelers can also buy coverage for cancellation for any reason.

What’s Covered Under a Typical Company Plan

All three Generali Global Assistance travel insurance policies offer a base package of benefits to help travelers navigate the most common frustrations they may face. They include trip cancellation, trip interruption, baggage delay, and emergency assistance and transportation.

• Trip cancellation: If an emergency at home prevents you from going on vacation — such as a death in the family, or accident on the way to the airport — trip cancellation benefits can help you recover some non-refundable costs.
• Travel delay: Irregular operations and bad weather can stop planes and trains from leaving the station. Should a covered situation stop you from traveling, travel delay benefits can reimburse you for certain inconveniences, including meals and spare phone charges.
• Baggage delay or loss: Although it's uncommon, any bags you check with your airline or cruise operator could get lost in transition. Should your luggage get delayed or even lost, travel insurance may help you recover the cost of your lost items.
• Emergency medical and dental: You can’t predict when an accident will send you to the hospital. Your health insurance at home won’t cover a hospital stay abroad, but a travel insurance policy could guarantee payment to the provider, and reimburse your costs for care.
• Emergency assistance and transportation: Hiring air ambulances to take incapacitated travelers home can cost $20,000 or more. If a doctor orders an air ambulance for emergency travel, Generali insurance policies can help you arrange and pay for evacuation.

Are There Additional Coverage Options?

Generali offers additional add-on coverage, but the options depend on the plan you ultimately choose. While the Standard and Preferred plans allow you to add rental car insurance coverage, the Premium plan also gives the flexibility of a cancel for any reason option.

• Rental car damage: An optional add-on for the Standard and Preferred plan, the rental car damage coverage provides a maximum benefit of $25,000 per person, per plan if your auto is damaged by collision, theft, vandalism, or natural disaster. Rental car damage is included in the Premium plan.
• Cancel for any reason: Only available with the Premium plan, cancel for any reason allows travelers to recover some of their non-refundable costs if they change their mind about their trip. This benefit allows travelers to recover 60 percent of covered costs.

How to Buy Generali Global Assistance Travel Insurance

Generali travel insurance is available through the major travel insurance marketplaces, including Squaremouth, InsureMyTrip.com, and TravelInsurance.com. Travelers can also purchase Generali Global Assistance plans directly from the company.

To get a quote, travelers can go to the Generali Global Assistance website . The process starts with basic information about their trip, including:

• Destination
• Travel dates
• Number of insured travelers (and their age)
• State of residence
• Total trip cost

From there, Generali will issue a quote for all three of their products. If you decide to purchase, you will need to submit some personally-identifiable information, including:

• Traveler names and dates of birth
• Primary traveler’s address, phone number, and e-mail address
• Beneficiary information (for accidental death and dismemberment coverage)
• Arranged travel with airlines, car rental companies, tour operators or cruise lines
• Credit card information

Once the purchase is complete, your travel insurance plan will be active on the date of your travel, and documents will be delivered electronically, or in the mail.

How Will I Get my Travel Insurance Documents from Generali?

While most travel insurance providers deliver documents electronically, Generali Global Assistance provides two different options for your convenience. If you choose to receive documents by e-mail, your policy paperwork will arrive shortly after your purchase.

If you would rather have physical documents to pack, you can opt to have your documents delivered via U.S. Mail. While this is a good option if you are months away from your trip, those who are closing in on their departure date may not get their papers in time. Before selecting delivery by mail, be sure you will have enough time to receive them.

Generali Global Assistance Online Security

Transactions on the Generali Global Assistance website are secured by a SHA-256 SSL security connection. The security certificate is provided by DigiCert, one of the largest digital security providers globally.

Generali Global Assistance Reviews and Ratings

Everywhere they are sold, Generali Global Assistance is consistently ranked high by their customers. Customers of Squaremouth give Generali travel insurance an overall rating of 4.1 stars out of five, while InsureMyTrip customers rate them 4.58 stars out of five.

From an independent perspective, the company is accredited with the Better Business Bureau and holds an A+ rating with the consumer advocate. However, the BBB has also received over 500 complaints about the company, mostly about the claims process. At TrustPilot , Generali has a rating of 2.8 stars out of five, based on 11 reviews.

From a financial perspective, Generali maintains a solid profile with AM Best. The insurance giant holds an A (Excellent) financial strength rating, and an A+ (Excellent) long term issuer credit rating.

Pros and Cons of Generali Global Assistance

• Simple to shop for insurance based on budget and benefits: three products ranging from basic to full-coverage
• High benefit limits for critical coverage (like trip interruption, emergency medical care, and medical evacuation), even on basic coverage
• Cancel for any reason buy-up option available on Premium travel insurance plan
• Prices trend higher compared to other travel insurance products
• Delay benefits are limited based on the plan you select
• Only the Premium plan offers coverage for pre-existing conditions

Final Thoughts on Generali Global Assistance

Backed by one of the oldest and most respected insurance companies on the globe, Generali Global Assistance offers three of the best travel plans in the marketplace today. Although they don’t come cheap, their plans offer generous coverage levels for many of the situations that can go wrong. Those who are going on high-priced vacations with tour operators or cruise lines may want to look at Generali as a primary option.

Frequently Asked Questions

Is generali global assistance good travel insurance.

Yes! Generali Global Assistance has over 25 years of experience in the industry, and is backed by one of the 10 largest insurance companies in the world based on policy premiums written.

Does Generali Global Assistance provide identity theft protection?

Partially. Generali Global Assistance travel insurance plans include an identity theft resolution service starting on your departure date and continuing for 180 days afterwards. Although the identity theft resolution provides assistance in cancelling cards and resolving fraudulent activity, it does not provide insurance coverage for costs related to recovering your identity. It should not be confused with Iris, a separate identity theft protection product offered by Generali Global Assistance.

Does Generali Global Assistance cover COVID-19 related claims?

Yes — Generali Global Assistance offers coverage towards some COVID-19 related claims, including trip cancellation due to illness caused by the novel Coronavirus. The plan will not cover certain preventative measures, including tests prior to travel. To see all the COVID-19 related changes, please refer to the Generali Coronavirus statement .

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The following companies are our partners in Travel Insurance:  Allianz Global Assistance ,  Travelex ,  TravelInsurance.com ,  Seven Corners ,  Generali Global Assistance ,  Trawick International ,  Squaremouth , and  Faye .

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Generali Global Assistance Travel Insurance Review

The following companies are our partners in Travel Insurance: Allianz Global Assistance , Travelex , TravelInsurance.com , Seven Corners , Generali Global Assistance , Trawick International , Squaremouth , and Faye .

We sometimes offer premium or additional placements on our website and in our marketing materials to our advertising partners. Partners may influence their position on our website, including the order in which they appear on a Top 10 list.

The analyses and opinions on our site are our own and our editors and staff writers are instructed to maintain editorial integrity. Our brand, ConsumersAdvocate.org, stands for accuracy and helpful information. We know we can only be successful if we take your trust in us seriously!

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How is Generali Global Assistance rated?

Overall rating: 3.8 / 5 (very good), generali global assistance plans & coverage, coverage - 3.8 / 5, emergency medical coverage details, baggage coverage details, generali global assistance financial strength, financial strength - 3.7 / 5, generali global assistance price & reputation, price & reputation - 4 / 5, generali global assistance customer assistance services, extra benefits - 3.7 / 5, travel assistance services.

• Return Travel Arrangements
• Lost Baggage Search
• ATM Locator
• Lost Passport/Document Assistance
• Emergency Cash
• Translation Services
• Up to the Minute Travel Advisories

Emergency Medical Assistance Services

• Physician Referral
• Emergency Medical Case Management
• Arrange Medical Payment Where Available
• Emergency Prescription Replacement
• Eyeglass Replacement Assistance
• Update Family at Home

Concierge Assistance Services

• Restaurant/Event Referral and Reservation
• Ground Transportation Recommendations
• Weather Advisories
• Gift Delivery

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• “Cancel For Any Reason” (CFAR) availability
• Includes trip cancellation, baggage delay/loss, and flight delays
• Emergency medical expenses coverage are included in the coverage
• Up to $250,000 in medical coverage and $1 million in evacuation

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Generali Global Assistance Travel Insurance Company Review

Extra protection to cover your travel related expenses

Company Overview

In a perfect world, we would never have to change plans or delay a trip or vacation. Since plans do change and you may need extra protection to cover your travel-related expenses, there is travel insurance. One company to consider for your travel insurance needs is Generali Global Assistance, formerly known as CSA Travel Protection Insurance Company, which has been providing protection for travelers since 1991. Even though the company rebranded in 2017 to Generali Global Assistance, there are travel insurance plans that still carry the CSA Travel Protection name.

The company’s U.S. operations are based out of San Diego, California. Generali Global Assistance is owned by Europ Assistance Group (EA), which is a worldwide organization providing emergency assistance services and has been in business since 1963.

Financial Stability

Generali Group has an A (Excellent) rating with A.M. Best Insurance rating organization , as well as a stable A- rating with Fitch and a stable Baa1 rating with Moody's.

Better Business Bureau Rating

The Better Business Bureau (BBB) file was originally opened as the CSA Travel Protection Insurance Company in 1994 and has been an accredited business since 2009. Since the brand change, the customer service rating of Generali Global Assistance has since maintained its “A+” rating with the BBB. There are a total of 197 customer reviews with 556 total customer complaints in three years, as of Sept. 2021. Of those complaints; there were 443 with products/services, 13 with advertising/sales issues, 71 with billing/collection issues, 24 with guarantee/warranty issues, and 5 were delivery issues. Also, of these complaints, 98 were resolved to the customer’s satisfaction. The company has a composite score rating of 1.03 out of 5 stars.

Available Plans

Travel insurance plans available through Generali Global Assistance are the Standard, Preferred , and Premium plans. You can review the information for each plan, receive a quote, and buy coverage right from the Generali Global Assistance Travel Insurance website. Preferred offers the added benefits of covering sports equipment and Premium is designed for expensive cruises tours. All three plans offer a combination of the following travel insurance benefits:

• Trip Cancellation
• Trip Interruption
• Travel Delay
• Baggage Delay
• Missed Connection
• Medical & Dental
• Emergency Assistance & Transportation
• Accidental Death & Dismemberment, Air Flight Accident

Optional Features and Services

You have the option of adding these optional features and services through your Generali Global Assistance travel insurance plan:

• 24-Hour Emergency Assistance Services
• Telemedicine
• No Out-Off-Pocket Medical
• Identity Theft Resolution Services
• Concierge Services
• Rental Care Damage
• Trip Cancellation for Any Reason

Exclusions to Coverage

Generali Global Assistance travel insurance plans are not available for travel to Cuba, Syria, North Korea, Sudan, The Crimea Peninsula in Ukraine, or Iran.

The company has strong financial strength and customer service ratings from the BBB. Generali Global Assistance Travel Insurance has a 10-day free look clause meaning that you can change your mind within 10 days and receive a refund as long as you have not yet left for your trip. There are three travel insurance plans with comprehensive coverage options, making it an easy process to find the right travel insurance plan and buy your policy online.

Generali Global Assistance provides its customers with a 24/7 emergency assistance hotline available from anywhere in the world. There are attractive optional service options including concierge, identity theft resolution, and telemedicine services.

Read your description of coverage carefully. If you have homeowners or renters insurance, those policies are considered primary and Generali Global Assistance will only pay what your primary insurance policy does not pay.  Some complaints from policyholders have stated that the policy language is confusing as to what is and is not a valid reason for canceling your trip.

The Bottom Line

It is a good idea to check and see how much coverage you have through other insurance policies before purchasing additional travel insurance. If you feel you need additional coverage than what you already have, Generali Global Assistance Travel Insurance is a good option to consider. They have solid financial strength ratings and have an “A+” rating from the Better Business Bureau. Generali Global Assistance travel insurance plans are customizable according to your travel insurance needs as well as offering attractive optional features.

Contact Information

To learn more about the travel insurance plans available or to receive a quote and purchase your policy, you may visit the Generali Global Assistance Travel Insurance Company website or call toll-free 800-874-2442 in the United States. You can also submit questions and comments by email at [email protected] .

Generali Global Assistance. " CSA Travel Protection: 26 Years of Travel Insurance ."

Europ Assistance. " History ."

Generali Group. " Ratings ."

Better Business Bureau. " Generali Global Assistance Complaints ."

Better Business Bureau. " Generali Global Assistance ."

Generali Global Assistance. " Compare Travel Insurance Plans ."

Generali Global Assistance. " Free Look Period: Our Travel Insurance Refund Policy ."

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9 Best Travel Insurance Companies of 2024

According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.

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Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance Companies.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

Travel insurance can help you protect the financial investment you made in your vacation when unexpected issues arise. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.

• Travelex Insurance Services: Best Overall
• Allianz Travel Insurance: Best for Trip Interruptions
• HTH Travel Insurance: Best for Groups
• Tin Leg: Best Cost
• AIG Travel Guard: Best for Families
• Nationwide Insurance: Best for Last-Minute Travel Insurance
• Seven Corners: Best for 24/7 Support When Traveling
• Generali Global Assistance: Best for Medical Emergencies
• Berkshire Hathaway Travel Protection: Best for Specialized Coverage

Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Medical and trip cancellation maximum are not as high as some other companies

• 100% of the insured trip cost for trip cancellation; 150% for trip interruption
• Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
• $750 in missed connection coverage
• $50,000 in emergency medical and dental coverage
• Up to $500,000 in emergency medical evacuation and repatriation coverage

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Annual and multitrip policies are available

Distinguishing between the company's 10 travel insurance plans can be challenging

• Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
• $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
• Up to $1,600 for travel delays
• Emergency medical coverage of up to $75,000
• Epidemic coverage

Generous coverage at the mid- and high-tier levels, and great group discounts

Preexisting conditions coverage is only available at mid- and high-tier plans

• 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
• Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
• Up to $2,000 in coverage for trip delays; $1,000 for missed connections
• $500,000 in coverage per person for sickness and accidents

Variety of plans to choose from, including two budget-friendly policies and several more premium options

More limited coverage for baggage issues than other companies

• 100% trip cancellation protection; 150% trip interruption
• $500 per person for lost, stolen or damaged baggage and personal items
• Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
• $100,000 per person in emergency medical coverage, including issues related to COVID-19

Travel insurance policy coverage is tailored to your specific trip

Information about policy coverage inclusions is not readily available without first obtaining a quote

• Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
• Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
• Up to $1,000 in missed connection and trip delay coverage
• $100,000 in emergency medical coverage

Variety of plans to choose from and coverage available up to a day before you leave on your trip

Limited trip cancellation coverage even at the highest tier

• Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
• $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
• Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
• $150,000 for emergency medical and dental issues

Customer service available 24/7 via text, Whatsapp, email and phone

Cancel for any reason coverage costs extra

• 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost 
• Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
• Trip delay and missed connection coverage worth up to $1,500
• Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)

Generous emergency medical and emergency evacuation coverage

Coverage for those with preexisting conditions is only available on the Premium plan

• 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
• $2,000 in coverage for loss of baggage per person
• $1,000 per person in travel delay and missed connection coverage
• $250,000 in medical and dental coverage per person

In addition to single-trip plans, company offers specific road trip, adventure travel, flight and cruise insurance coverage

Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan

• Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
• $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
• Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
• Medical coverage worth up to $50,000

To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong June 2024 trip to Spain for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.

Travel Insurance Types: Which One Is Right for You?

There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:

COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .

Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.

Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .

International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.

Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .

Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.

Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.

Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.

Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.

You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .

Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.

Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.

Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .

Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express . 

Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.

Frequently Asked Questions

The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.

Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.

However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.

Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or Travelex, but you can also shop and compare policies with a travel insurance platform. Popular options include:

• TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
• InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.

Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .

When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.

Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.

Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.

If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.

Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.

Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.

The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.

You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.

Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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• Generali Global Assistance
• Provider Review

Reviews, Sales, and Service Ratings for Generali Global Assistance

0.2% (303) negative reviews to sales Average on Squaremouth is 0.2%

• 5 stars 2648
• 4 stars 931
• 3 stars 363
• 2 stars 112
• 1 star   191
• Customer Service Before Trip
• Customer Service During Trip
• Customer Service During Claim

Customer Reviews for Generali Global Assistance

Sort by Most Helpful, Most Recent, Star Ratings, or select “Filed Claim” to only show reviews from customers who filed a claim.

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They seemed very knowledgeable and kind. Very clear in describing our coverage.

Good value!

Good product, good price. It became necessary to file a claim due to delayed departure(s). I talked with customer service at Generali, and they were very helpful.

Thanks for sharing your feedback, Larry. At Generali Global Assistance, we value offering great customer service. We will share your feedback with our team. You can start a claim online by following this link, https://generalitravel.com/claims. If you need any additional assistance with the claims process, contact us at 800-348-9505 or via email at [email protected] and one of our dedicated customer service team members will be happy to assist you.

Quick and easy claim service. Still waiting on the check but the claim was processed within three days.

We appreciate your review, Heather! At Generali Global Assistance, we take the claims process very seriously and are pleased to hear that your claim was resolved. Please allow 10-14 business days for your payment. Thank you for choosing to #TravelSmarter.

Quite literally the easiest people to work with and thoroughly professional! I recommended them to all my family and colleagues and look forward to working with them again!

Thanks for your endorsement, Myra! We're grateful for your support and for your choosing us.

My experience with Global was very good. The only issue was a computer glitch in their new claim system. It was a little confusing at times but my claim agent was very helpful and helped me get through the process. They settled my claim much faster than I anticipated. It was overall, a good experience.

Thanks for sharing your feedback with us, Katherine. We're sorry to hear about your experience with the claim portal, but happy we were able to assist and pay your claim!

Easy to purchase and use

Thanks for your review, Joseph! We're grateful for your support and for your choosing us!

I had no actual contact with Generali until after my trip, when I began a claim for Trip Interruption. The claim was handled quickly and efficiently.

At Generali Global Assistance, we take the claims process very seriously and are pleased to hear that your claim was resolved. Thank you for choosing to #TravelSmarter, John.

I submitted my claim with all supporting documentation 15 days ago and have not heard anything about what the status of this claim.

Hello Juliana. Thank you for sharing your feedback. We have received your claim, and a dedicated claims rep will follow up with you once their review is completed or if more information is needed. We strive to process claims within 30 days from the time that they are received, although some cases can take longer to process. Please feel free to reach out to us at 800-348-9505 or via email at [email protected] with any additional questions or concerns.

It is challenging to compare one company to another, and one policy to another. This company’s policy additionally has pages of fine print.

Thank you for sharing your feedback with us, Paula. We’re sorry the website wasn’t to your liking. If you need more details, you can always choose “FAQ” on the www.generalitravelinsurance.com homepage. There we have provided information to answer common questions. We appreciate your feedback and are always working to make our website more user-friendly.

Insurance Providers

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• INF Visitor Care
• John Hancock Insurance Agency, Inc.
• MedjetAssist
• Nationwide Mutual Insurance Company
• Seven Corners
• Travel Insured International
• Travelex Insurance Services
• Trawick International
• USA-Assist Worldwide Protection
• USI Affinity Travel Insurance Services

Additional Information

• AM Best Ratings

Suggested companies

Allianz partners usa, faye travel insurance, seven corners.

Generali Travel - USA   Reviews

In the Travel Insurance Company category

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Reviews 3.4.

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It seemed almost too simple

It seemed almost too simple. Your price is better than others and the online application was very straightforward.

Date of experience : March 25, 2024

Reply from Generali Travel - USA

We do our best to offer an array of travel plans for our customers. Thank you for your purchase, Louise!

Medical issue

I was unable to travel at the last minute because of an unforeseen medical issue. I placed a claim and uploaded the required documents. I was told a doctor’s note was not satisfactory and needed to submit a physicians statement which I did both on their website and via email. They then finalized my claim with no further explanation. I cannot now get either phone or email response to my questions. Generali promptly processed my claim and forwarded payment after I gave them a one star review on Trustpilot. I question why the same prompt service was not available initially.

Date of experience : September 24, 2023

Updated Response 11/1/23: We're pleased to advise that your claim has since been finalized and you should have received an email to your address on file from a dedicated team member. Please feel free to reach out to us at 800-874-2442 or via email at [email protected]. with any additional questions or concerns. Thank you for your feedback, Andy. We’re sorry to hear about the circumstances surrounding your claim and for not meeting your expectations. We take customer service and the claims review process very seriously and strive to provide a fair, equitable and timely process for all customers. A dedicated claims team member is investigating your case further and will be in touch with you. If you have any additional questions in the meantime, please reach out to us at 800-874-2442 or via email at [email protected].

Claims process

Claims process: spent so much time upoading documents (as well as providing documentaion for follow-up requests)....claims rep does not respond to emails, nor return calls (we have left several messages), nor does claims rep supervisor. Our claim was closed (not paid) without any expanation and we don't know why. Even after we reduced the requested claim amount, as there was an issue with a credit (for air fare that was worthless 100 each, due to 150 each penalty to use it) showing on our Orbitz account. We then requested reimbursement for one night of hotel that we were charged (due to trip interuption - train transfer canceled due to land-slide). Every time we call we cannot talk to our claims rep or anyone in claims...a call-back was scheduled for last week but did not receive the call-back..We will be filing an official complaint with the NY department of insurance.

Date of experience : January 31, 2024

Hello Susan. We value your feedback, and we're sorry to hear about your negative experience and apologize for not meeting your expectations. Unfortunately, we were unable to locate your claim based on the information provided in the review. Please reach out to our marketing team via email at [email protected] as we'd like to be able to review your claim with you. We hope to hear from you soon.

First Time to Use a Trip Insurance Policy

My husband and I purchased trip insurance for a trip to Ecuador and the Galapagos Islands. Ten days before our departure, my husband was diagnosed with a medical condition that made traveling impossible. We submitted all the required paperwork and waited. Honestly, we expected to have to fight to have the policy pay for our non-refundable trip expenses. Two weeks later, we have received an email saying or claim was accepted. We are so relieved. Highly recommend!

Date of experience : June 14, 2023

That's great to hear! Thanks so much for sharing your experience and choosing to #TravelSmarter.

The web site was very user friendly

The web site was very user friendly, and all the information was clear and available. It was very quick and I received my confirmation, the policy and my receipt all within minutes.

Date of experience : February 23, 2024

That's great to hear, Debbie. Thanks for your review and your purchase. We hope you enjoy your travels!

Great Company

Thank you for making your website easy to use and easy to understand. We like the policy choices you offer, and always choose the premium as one does not want to be stuck in a foreign country uninsured. Your service is wonderful and Generali is the only travel insurance we would buy.

Date of experience : August 01, 2023

We love our loyal travelers, Charlene! Thanks so much for sharing your experience and choosing to #TravelSmarter. Enjoy your trip!

This is the first time using you…

This is the first time using you service. It was mention to us by our travel agent. The sign up process was easy. Hopefully if for some unforeseen reason we would have to use the policy, I hope the process will be the same. I then will give an accurate experience.

Date of experience : January 04, 2024

Thanks for your purchase, David! Generali Global Assistance offers helpful travel services to use now, even before your trip. Visit https://www.generalitravelinsurance.com/travel-resources/services to learn more.

All went as expected... except...

All went as expected... however, I did not get a clear answer to a simple question, when I called the customer service desk, about my benefits. I wanted to confirm that my plan covers my backpacking trip in Nepal when the trail that I will be on will go on a pass that is about 5100 meters in elevation. I still don't know the answer. I think I am covered, but I wanted confirmation.

Date of experience : October 06, 2023

At Generali Travel Insurance, we take customer service very seriously. We have reviewed your case and are re-training the customer service rep that worked with you to improve. We appreciate your feedback and your business. Please feel free to reach out to us again at your earliest convenience, if you have any questions about the policy just purchased, at 800-874-2442 or via email at [email protected].

I filed a claim on 1/16/24

I filed a claim on 1/16/24. I have heard nothing since. Contacted the company on 2/20/24, was told my claim was due to settle the following day and I would be sent an email confirmation. That was a week ago--I've heard nothing. When I contacted the agent on the case, I was sent to her voicemail. I've not yet received a call back. Meanwhile, Dollar Rental Car would, understandably, like to be reimbursed for the repairs they did. I'd like to encourage anyone reading this review to do business with another company. I regret buying this policy--learn from my mistakes.

Date of experience : February 26, 2024

Updated Response: We are pleased that your claim has since been resolved and your should have received an email from one of our dedicated claim team members with additional information regarding the claim determination. Thank you for your patience with this matter. Original Response: We apologize for the delay. We strive to process claims within 30 says from when they are received, although some cases can take longer. Our dedicated claims team is currently reviewing your case and will respond with additional information regarding a determination. If you have additional questions or concerns in the meantime, please reach out to us at 800-551-9242 or via email at [email protected].

Fantastic first experience

This was my first time using the platform, and it was so fast and easy to find the information I needed, and even easier to book it! Immediate emails with the policy information followed! The prices came in better than the other 2 suppliers that I looked at, and the ability to include pre-existing so far out is wonderful! Great service all around!

Date of experience : August 15, 2023

Thanks for your purchase and your feedback, Kim! Some of your coverages are available to use now -- even before your trip. Visit https://www.generalitravelinsurance.com/travel-resources/services to learn more.

I am updating a review I wrote about…

I am updating a review I wrote about this company. I received a call from them after writing a negative review and they were most helpful. I was able to easily file my claim and it was approved and I received my refund for a trip I was unable to take due to a natural disaster in Vermont.

Date of experience : July 11, 2023

Hello Jane. Thank for your feedback. We are pleased that your claim has since been resolved. We appreciate you sharing your experience.

Four of us spent about 3 hours trying…

Four of us spent about 3 hours trying to make a claim for a cancelled flight. The site would not let us log in for over an hour. The online chat bot simply directed us to the site we were trying to access And no, they don’t have anyone to call. Hopefully they actually pay off on the claim but that is generali yet to be seen.

Date of experience : March 23, 2024

We're sorry to hear about your negative experience Roger and apologize for not meeting your expectations, Roger. We take customer service and the claims review process very seriously and strive to resolve all claims within 30 days from the time that they’re received. Unfortunately, we could not locate a claim based on the information provided in your review. Please reach out to our marketing team via email at [email protected] with additional information as we'd like to review your claim with you.

Website had some usability issues

Website had some usability issues: the standard option appeared grayed out at first, I had to scroll to find another link to get that option, when I clicked on that I still wasn't able to complete my task, had to go back and try another route. Also, when checking out, I clicked on the link to double check my order, and instead of taking me back to the screen where I entered all my information, it took me back to the beginning, which was frustrating. All in all, the process wasn't as smooth, quick, or intuitive as I would hope or expect.

Date of experience : February 06, 2024

We value your feedback, Karen, and we apologize for any inconvenience during the purchase process. We will take your input to help improve the customer experience in the future. Thank you for your purchase.

Generali branch in San Diago

Generali's response shows it has little idea of customer care. Its last emails only wanted me to give a postal address - something it quite clearly has on various forms and is well evidenced by the receipt of 3 cheques, two of which it cancelled unnecessarily. My complaint stands.

Date of experience : January 01, 2024

Hello Mrs. Rosenberg. We are very sorry for not meeting your expectations as we take customer service and the claims process very seriously. We are working diligently to get your payment to you. Please refer to the communication from our claims department with any additional questions or concerns. Thank you for your continued patience with this matter.

Scam of a company do not trust

Scam of a company do not trust. I am putting my reviews everywhere possible . Zero stars ! They owe us money and refuse to help they just keep giving us numbers to people who never call back or answer the phones #generaligroup Also all the positive reviews are clearly bots ! Do not trust! In response to generali s response : So it takes a whole year to investigate? Convince me you are “actively” helping by calling us back . Do not trust this company. The moment they pay up I will amend this review but so far they are liars and trying to do damage control. Also all the positive review sites make it impossible for real people to write actual reviews seriously scam artists

Date of experience : February 05, 2024

Hi Aly. We are actively investigating your claim payment, and one of our dedicated claim team members will provide an update with additional information as it becomes available. Thank you for your continued patience with this matter.

For the second year I had purchased a…

For the second year I had purchased a travel plan with Generali and had no expectation that we would have a need for it. Unfortunately our trip in 2023 was delayed due to a family medical emergency and I needed to file a claim with Generali. I am SO impressed with the prompt comprehensive service this company provided. I would recommend Generali to anyone with travel plans.

Date of experience : February 25, 2023

Thank you for sharing your positive experience and choosing to #TravelSmarter. We love our loyal travelers!

The website was laid out well and was…

The website was laid out well and was easy to use. The options made sense, and there was one that fit my needs without being too expensive. I will only know how good the insurance is if I have to use it, but reviews of Generali on other websites were good.

Date of experience : October 03, 2023

That's great to hear Molly! Thank you for your feedback. Generali Global Assistance offers helpful travel services to use now, even before your trip. Visit https://www.generalitravelinsurance.com/travel-resources/services to learn more.

The worst experience adding to a…

The worst experience adding to a medical event that forced me to cancel an itinerary. The whole point was to cover travel for unforeseen incidents. My father had fallen and was paralyzed and required surgery… in September. I’ve shared over a dozen files and they still want more… for a $400 claim. Physician reports, medical affidavits, access to med reports etc. Really difficult and showing very little humanity through this. It’s like a friendship or marriage. Easy to say things are going well when they are - but seeing a partner when the proverbial sh** hits the fan is when you know if they are a real partner. Not Generali - stay away so you don’t have a contentious divorce

Date of experience : January 29, 2024

Thank you for your feedback, Dave. At Generali Global Assistance, we pride ourselves on providing the support that is crucial for happy and safe travel, backed by Generali, one of the largest insurance companies in the world. We’re sorry to hear about the circumstances surrounding your claim and for not meeting your expectations. We take customer service and the claims review process very seriously. We will review your claim further and be in touch soon with further details. If you have any additional questions in the meantime, please reach out to us at 800-551-9242 or via email at [email protected].

Well it has been 14 days or 10 business…

Well it has been 14 days or 10 business days since I filed my claim. I became ill a few days before I was scheduled to fly. On medical advice, I cancelled my flight plans. I then filed a claim and submitted documentation requested by Generali on their ePortal. A couple of days later I received an email from their claim agent requesting additional information. I uploaded the requested information, and when I tried to contact that same agent on 3 different occasions, I never got a call back. No way to run a business. I feel my situation is an open and shut case. Exactly the reason why an individual would buy the travel insurance. I wonder how long I have to wait before my claim is finalized.

Date of experience : January 17, 2024

Hello Arcangelo. We are sorry to hear about your negative experience and the circumstances surrounding your claim as we take customer service and the claims review process very seriously and want customers to understand the coverage details of our plans. We strive to process claims within 30 days from the time they are received, although some cases can take longer. Our dedicated claims team is currently reviewing your case and will respond with additional information regarding the status of your claim. If you have additional questions or concerns in the meantime, please reach out to us at 800-551-9242 or via email at [email protected]. Thank you for your continued patience.

The website was user friendly

The website was user friendly. I had a few questions and spoke to a customer rep who was very helpful and thorough in his answer to my question.

Date of experience : February 17, 2024

Thanks for your review, Gary! We are happy that you found our site to be user friendly. Our goal is to make the shopping experience as easy as possible so that you can make the best choices for your travel needs. We will share your positive feedback with our customer service team!

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Take the Worry and Stress Out of Travel With Our Award‑Winning Travel Insurance

Get travel insurance and assistance designed to help protect your vacation investment and travelers whenever and wherever you need us. Travel Smarter™ with Generali Global Assistance and our 30-year record of outstanding customer service that you can trust.

Need help finding the right plan for your trip? Try our Travel Insurance Assistant

Follow the links below to learn more before you buy: Compare plans   |   See where travel insurance is required

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Let's find a travel insurance plan that will compliment your trip.

Travel Insurance Plans from Generali Global Assistance

What is travel insurance.

Travel insurance is a bundle of insurance coverages to help protect you from unexpected problems before or during your trip. Many travel insurance plans include insurance coverage and assistance services . Travel insurance policies differ in coverages, just like your auto or health insurance policy, and differ in reimbursement levels. Some of the most common travel insurance policies include coverage for Trip Cancellation, Travel Delay, Emergency Assistance & Transportation, and more . See a  side-by-side comparison of our plans to choose the right one for your trip.

Why should I get travel insurance?

You should purchase travel insurance if you are worried about losing money or needing help while on vacation. Travelers most often buy trip insurance when they’ve made nonrefundable trip purchases but are concerned something may come up to cause them to cancel their trip . Another common rationale for trip insurance is Medical and Dental Coverage. But there are a host of other reasons you should get travel insurance , which can be specific to you or your trip plans.  Having your travel insured by an industry leader like Generali means having greater peace of mind. Learn more .

Top Frequently Asked Questions See All

Yes, you can actually buy Generali travel insurance before you make any trip payments.

We suggest you buy a travel insurance plan when you make your first trip payment, like airfare or a cruise. That way you have a long coverage period in case you need to cancel your trip. Later on, you can add coverage to the same plan for your hotel, tours and other pre-paid, non-refundable trip costs. It’s best to contact us to add coverage soon after you make new trip payments to be sure you have coverage for your full trip cost.

If you purchase our Premium plan you can qualify for coverage for pre-existing medical conditions, as long as the travel protection plan is purchased prior to or within 24 hours of your final trip payment, you are medically able to travel at the time the plan is purchased, and all prepaid trip costs that are subject to cancellation penalties or restrictions have been insured.

At our Travel Insurance Definitions page , you can see how we define Pre-Existing Conditions or see Plan Documents for full details.

If something happen during your trip and you need to use your travel insurance, you’ll need to file a claim to be reimbursed. We have a page that explains how to start a claim , a great resource for learning more about the claims process.

Let’s say your baggage is delayed* and you need to buy clothes and toiletries, you would submit a claim to seek reimbursement. Travel insurance comes in handy in scenarios like this.

Oftentimes, travel insurance is offered when buying a cruise, airfare or booking a vacation rental. We encourage customers to pay attention to the fine print when considering insurance provided by travel suppliers. For example, a cruise line’s travel insurance may not pay cash to cover a cancelled or interrupted cruise, but instead offers credit towards a future cruise. If you prefer cash reimbursement, that’s reason to consider purchasing directly from a travel insurance provider instead.

We recommend bringing a print out of your plan documents with you when traveling so if you are affected by a storm and lose power or can’t connect to the internet, you’ll still know what number to call and what instructions to follow.

Read more about how travel insurance works

* Baggage Delay coverage can only be claimed if the delay lasts for the amount of time specified in the Schedule of Benefits

Thank you for visiting csatravelprotection.com

As part of the worldwide Generali Group we have rebranded our travel protection plans to Generali Global Assistance, offering the same quality travel insurance, emergency assistance and outstanding customer service as you've come to rely on for the last 25 years. Welcome to our new website!

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You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

Faye Travel Insurance Review: Is It Worth the Cost?

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Travel insurance can be a worthwhile investment, especially if you’re worried about unexpected costs during your trip. There are a ton of different travel insurance companies out there, so finding one that suits your needs can be a struggle. That’s why we’ve done the work for you.

Let’s take a look at travel insurance provider Faye to see what type of plans the company offers, the coverage levels you can expect and whether Faye travel insurance is right for you.

About Faye travel insurance

Faye is the brand name for customizable travel protection plans offered by a company called Zenner Inc. Its website notes that it specializes in quick reimbursements, which can be a big draw for travelers. Policies issued by Faye are underwritten by the United States Fire Insurance Company.

» Learn more: How to pick between travel insurance providers

Faye insurance plans

Unlike many other travel insurance companies , Faye offers only one plan.

To find out what types of coverage Faye travel insurance plans include, we generated a quote for a 44-year-old woman from Arizona who was traveling to Italy for two weeks. Her total trip cost came in at $2,000.

Here’s what Faye provides:

This plan costs 7.03% of the overall trip cost, which is typical according to NerdWallet's analysis .

The plan is comprehensive and includes coverage you don’t typically see, such as reimbursement for lost credit cards and a payment for being inconvenienced.

Faye also offers a number of customizations; there are different add-ons from which to choose, all of which vary in price. More on your options in the next section.

» Learn more: How travel insurance for domestic vacations works

Plan add-ons

If you'd like to customize your Faye travel insurance plan to meet your needs more specifically, you can add on extra coverage for more money.

» Learn more: How does travel insurance work?

What isn’t covered by Faye

Even if you purchase a very comprehensive travel insurance policy, there are still situations where you’re not covered.

These include:

Bad weather, including hurricanes, if the policy was purchased after the storm was named.

Intentionally self-inflicted injuries or suicide.

Expenses incurred while under the influence of drugs or alcohol. 

High-risk sports for which you are paid. 

Psychological disorders, unless you’re hospitalized. 

War and acts of war. 

Illegal acts. 

Piloting or learning to pilot or acting as crew of an aircraft. 

To find the full list of exclusions for your specific policy, be sure to review your plan’s benefits schedule.

» Learn more: What to know before buying travel insurance

How to choose a Faye plan online

Purchasing a Faye travel insurance plan online is simple. You’ll first want to head to the company’s website to generate a quote.

You’ll need to input information like your age, where you live, where you’re going and how long you’re going to be away. Once you’ve got that all entered in, you’ll be taken to the results page.

Here, you’ll be able to see what plan options you have available, as well as what add-ons there are to pick.

After you’ve selected the coverage you’d like, you’ll need to go through the online checkout process.

» Learn more: Is travel insurance worth it?

Which Faye plan is best for me?

Although Faye has just one base plan available for purchase, it has plenty of different add-ons from which to choose. Faye sorts its bundles and add-ons according to the trip you’re taking, so you may see your bundled offer vary from time to time.

For tentative plans . Choosing to add on a Cancel For Any Reason (CFAR) policy can provide peace of mind if your travel plans aren’t solid. With the ability to get up to 75% of your money back, you’ll just want to make sure you’re canceling at least 48 hours in advance. 

For pet owners . Not many travel insurance companies include coverage for your pets , especially not when it comes to vet bills. With a low overall cost, this add-on can make a huge difference if you end up delayed on your return. 

For those wanting to customize everything . Faye’s base plan allows customers to create tons of different customizations according to their travel needs. Even though it’s costly, it makes up for it with wholly comprehensive coverage. 

Faye’s travel insurance offerings may suit your needs, but before purchasing a plan, take a look in your wallet. Many different travel credit cards offer complimentary travel insurance , which can include benefits such as trip cancellation reimbursement, rental car insurance and more.

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Toyota Prius Car Insurance Cost 2024

Fact Checked

Published: May 14, 2024, 3:32pm

Toyota Prius car insurance at a glance:

• Average auto insurance price for a 40-year-old driver: $2,260 a year
• Most affordable insurance companies for Prius auto insurance: Erie, USAA*, Travelers
• Lowest-cost state for Prius insurance: Hawaii
• Highest-priced state for Prius insurance: Louisiana

Toyota Prius Insurance Rates by Company

Prius drivers can potentially save significant money by comparing car insurance quotes among several insurers. Among the large insurance companies we evaluated, Erie offers the cheapest car insurance for a Prius. The next lowest in our analysis was USAA*.

Related: The best car insurance companies

Toyota Prius Insurance Costs by State

Prius car insurance quotes will vary across states, often because of historical claims in the state, medical expenses, vehicle repair costs and state regulations. If you’re insuring a Prius, our assessment of rates found that Louisiana is the most expensive, while Hawaii is the least expensive.

Cost of Insurance for a Toyota Prius Based on Driver Age

According to a price analysis by Forbes Advisor, the least expensive age for insuring a Toyota Prius is 60.

Conversely, the most expensive age to insure a Prius is age 20.

There are several factors that go into determining your own car insurance quotes. These typically include your driving record, your address (where you keep the vehicle), annual mileage, your credit-based insurance score (car owners with lower credit pay more), your past auto insurance claims, the type of the vehicle, any recent lapse in your auto insurance and the types and amount of insurance you have.

Related: 9 Factors That Affect Your Car Insurance Rates

How to Save Money on Toyota Prius Car Insurance

There are several ways you can lower car insurance costs , such as:

• Check out vehicle insurance quotes. Auto insurance companies each have a different way of pricing insurance for a Prius. The best way to find an affordable rate is to compare car insurance quotes from several insurers.
• Buy the right amount of car insurance. While you want to make sure you have the right amount of coverage, you also don’t want to end up buying unnecessary insurance for a Prius. Here are ways to decide how much car insurance you need.
• Maintain good credit. Insurers in most states can use your credit-based insurance score as a factor in calculating rates. But not all insurers give credit the same weight in pricing, which is why it’s wise to get multiple quotes.
• Increase your car insurance deductible. Usually the higher the car insurance deductible , the less you pay in premiums. Common deductible amounts range from $250 to $2,000 and up.

Methodology

Unless otherwise noted, rates are based on a 40-year-old female with a good driving record and insuring a new vehicle. Rates shown are for coverage of $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability (100/300/100), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other coverage required in a state. Source: Quadrant Information Services.

*USAA car insurance is available only to military members, veterans and their families.

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As a former claims handler and fraud investigator, Jason Metz has worked on a multitude of complex and multifaceted claims. The insurance industry can be seemingly opaque, and Jason enjoys breaking down confusing terms and products to help others make well-informed decisions.

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Best travel insurance plans for 2024: a unique and comprehensive list for travelers from international citizens insurance.

Including the Best Plans for Seniors, Global Nomads, Visitors to the USA, Pets, Adventure Sports Addicts and More

BOSTON, MA / ACCESSWIRE / May 2, 2024 / International Citizens Insurance, a leading international insurance broker, has announced the best travel insurance plans for 2024 summer travel. As the cost of airfare and hotels continues to rise along with the increase in flight delays and cruise cancellations, this list could not have come at a better time for travelers looking to protect their travel plans and their finances.

"This summer's travel season promises a high level of demand, increasing costs, and a strong potential for travel disruptions due to political unrest, weather, and other factors," said Joe Cronin, President of International Citizens Insurance. "Our clients want travel insurance they can trust to help them if they suffer a cancellation, a medical emergency, lost luggage, a natural disaster, or have to change plans due to unforeseen events. With this list, they will be able to find the best overall travel insurers as well as the right plans for their individual needs."

International Citizens Insurance judged each company and plan on six key criteria: the user-friendliness of their site, the ease of policy purchase, the number of countries plans are offered in, how extensive the benefits are, the ease of making a claim and the quality of the company's customer service. The most trusted insurers include WorldTrips , who made history as one of the first insurers to offer plans for purchase over the internet; GeoBlue Travel Insurance , which supports seniors with coverage for people up to 84 years old; and Trawick International, which offers coverage for over 500 adventure sports activities.

To help customers find the best insurance for their specific needs, International Citizens Insurance has also identified the best insurance for several use cases, including Cancel for Any Reason (CFAR) insurance, travel medical plans, and insurance with coverage for pets. International Citizens Insurance has also identified the best plans for clients with special needs, including seniors, missionaries and volunteers, U.S. citizens abroad, and digital nomads.

In today's unpredictable world, travel insurance has become the most essential accessory for any international traveler. Travelers want trip cancellation insurance to protect their trip and travel medical insurance plans to protect their health. But with so many companies out there, which ones can you trust?

Learn more about the best travel insurance companies at https://www.internationalinsurance.com/travel-insurance/best-companies.php .

About International Citizens Insurance

International Citizens Insurance is the insurance division of International Citizens Group. We provide educational content, reviews, and unique comparison engines that enable travelers and expatriates to research, quote, compare, and purchase global life, travel, and international health insurance from various carriers.

Contact Information

Joe Cronin President [email protected] 617-500-6738

Andrew Blomberg Vice President, Global Group Benefits [email protected] (339) 221-5190

SOURCE: International Citizens Insurance

View the original press release on newswire.com.

Introduction to Nationwide Travel Insurance

• Coverage Options
• How to Purchase and Manage Your Policy

Nationwide Customer Reviews and Claims Experience

Compare nationwide travel insurance.

• Why You Should Trust Us

Nationwide Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Nationwide has been around close to 100 years after being founded in 1926. The Ohio-based company has many different products in the insurance and finance space, including coverage for trips. Nationwide Travel Insurance policies are available for single or multiple trips and can cover cruise trips too.

• Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
• con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
• con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer

Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

• Cancel for any reason coverage available

Nationwide is one of the leading names in insurance across various areas of coverage including life, auto, and travel insurance. Nationwide's coverage is also as comprehensive as it is varied. It tops our list of the best travel insurance companies and best cruise travel insurance , also ranking among the best cheap travel insurance companies for the value it provides.

With single trip, multi trip, and cruise-specific policies along with an abundance of riders, there's a good chance Nationwide will have the coverage you're looking for.

That said, Nationwide lacks some of the niche coverage that other companies can provide. For example, Nationwide doesn't insure trips over 31-days long. Its annual travel insurance only applies to trips 30 days or under. Additionally, Nationwide lacks specific adventure sports coverage.

Ultimately, Nationwide is the company to beat. If you're shopping for something a little more specific, use Nationwide's quotes as your baseline as you search for something more tailored to your trip. 

Coverage Options from Nationwide

Nationwide offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

The travel insurance policies offered by Nationwide are available to consumers and are divided up by the type of trip: single trip, multiple trips, or cruise coverage.

Single-trip travel insurance policies

Nationwide offers two single-trip travel insurance policies: the Essential plan and the Prime plan.

As the name suggests, Nationwide Essential travel insurance covers the basics. It offers some protection should anything happen ahead of your trip or while you're on your trip.

The Prime plan takes your coverage to the next level, with higher coverage limits and the option to add on the coveted cancel for any reason (CFAR) coverage at an extra cost.

Both plans include trip cancellation or interruption coverage in the event of terrorism in your destination city, travel assistance from Nationwide at no additional charge, and refunds with a 10-day review period (except in Washington and New York). Note that for baggage and personal effects coverage, there is a $500 combined maximum limit for valuable items (see your policy's terms and conditions for details on what's considered valuable). It also covers damaged or lost sports equipment.

Here's how the two plans stack up in terms of coverage limits. For trip delay coverage, you'll be eligible for reimbursement for delays of six hours or more.

Annual and multi-trip travel insurance policies

If you're looking for travel insurance coverage for more than one trip and want to cover your partner and children, the Travel Pro Plan may be an affordable option. It's important to note that this policy only covers events after departure, not pre-departure events. This policy could be as low as $59 as of the time of writing.

The Travel Plus Plan is another multi-trip policy from Nationwide that has flexible term limits for trip interruption and cancellation coverage, up to $10,000. This covers the gaps from the Travel Pro Plan, which only covers post-departure events. So if you needed to cancel the trip due to a covered illness or other reason, this is the plan for you.

If you want to increase the level of benefits for your after departure coverage, the Travel Pro Deluxe Plan does just that. It builds on the Travel Pro Plan, hence the name, and includes higher coverage limits for just $20 more.

All plans include the same travel assistance from Nationwide that's included with the single-trip policies. Here's how the multiple-trip plans compare:

Cruise coverage

Nationwide offers three cruise travel insurance plans.

If you're going on a short cruise or going for the first time, the Universal Cruise Plan may be a good starting point if you want added protection and to recoup nonrefundable costs. Just make sure that you qualify based on your state, as cruise coverage isn't available in all states.

If you're going on a longer cruise and want added coverage to protect your trip, the Choice Cruise plan is an option to consider. And if you're looking for the most benefits and go on many cruises, the Luxury Cruise plan offers the most coverage options.

All three policies can be refunded with a 10-day review period, except in Washington and New York.

Here's a comparison of the coverage you'll get with Nationwide's three different cruise travel insurance policies:

Additional coverage options from Nationwide

Nationwide has a number of additional coverage options that can add more protection to your policy but also add to the cost as well. These include:

• Financial default coverage , in the event your travel supplier ends up in default or bankruptcy. This is available with the Essential and Prime single-trip policies.
• Pre-existing condition waiver, which may offer coverage for pre-existing illnesses or diseases if certain conditions are met. This is available with the Essential and Prime single-trip policies.
• Accidental death and dismemberment, which can have limits of $5,000, $10,000, $25,000 or $50,000 depending on the plan. This is available with the Essential and Prime single-trip policies.
• Accidental death for flights only, which can have limits of $100,000, $250,000, or $500,000. This is available with the Essential and Prime single-trip policies.
• Rental car collision or loss coverage, in the event something happens to your rental car, you can add on this coverage for up to $25,000 or $35,000 depending on the plan.This is available with the Essential and Prime single-trip policies (except in Texas or New York).
• Cancel for any reason (CFAR) , which must be added to a policy and is available through the single-trip Prime Plan, the Choice Cruise Plan, and the Luxury Cruise Plan.

Nationwide Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The  average cost of travel insurance  is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for Nationwide Insurance plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate Nationwide coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following travel insurance quotes:

• Essential: $89.55
• Prime: $129.19

Premiums for Nationwide Insurance plans are between 3% and 4.3% of the trip's cost, well within the average cost of travel insurance.

Nationwide insurance provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• Essential: $113.01
• Prime: $160.47

Once again, premiums for Nationwide plans are between 2.8% and 4% of the trip's cost, within and below the expected range of travel insurance costs.

A Texas family consisting of two 40-year-old parents with a 10-year-old and 4-year-old on a two-week trip to Australia for $20,000:

• Essential: $571.62
• Prime: $801.94

Nationwide plans cost between 2.8% and 4% of the trip's cost, below and within the average cost of travel insurance. 

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following quotes:

• Essential: $248.56
• Prime: $352.44

Premiums for Nationwide plans are between 4.1% and 5.9%, which is well the average cost for travel insurance. While its certainly more expensive than coverage for younger travelers, it's on the lower end of what travel insurance companies tend to quote for older travelers. 

Nationwide Annual Travel Insurance Cost

Quotes from Nationwide's annual travel insurance plans don't actually change based on age or state. You'll get a base quote of $69, which will vary based on how much trip cancellation coverage you'd like to purchase. Prices range from $155 to $729

You can also select a Pro Delux upgrade, which will cost an additional $20.

How to Purchase and Manage Your Nationwide Policy

To purchase a Nationwide travel insurance policy, you first need to obtain a quote from Nationwide's website. You should be prepared to provide the following:

• Destination
• Departure date
• Return date
• State of Residence
• Total trip cost
• Initial trip payment date

When you select a plan, be sure to also take a moment and scroll through the optional add-ons, such as rental car coverage. 

How to File a Claim with Nationwide

If you purchased travel insurance through Nationwide and need to file a claim, you can contact a Nationwide representative. You have seven days from the start of the issue that caused loss to notify Nationwide of your claim.

Claims through Nationwide are handled by Co-ordinated Benefit Plans, LLC. You can use its claims portal or call a representative, based on your type of policy.

Single trip policy phone number: 888-490-7606

Annual plan policy phone number: 866-281-1017

Cruise policy phone number : 866-281-0334

Rather reach out via email? You can contact Nationwide via [email protected] .

If you need to send documents via mail, the mailing address is:

Co-ordinated Benefit Plans, LLC

On Behalf of Nationwide Mutual Insurance

Company and Affiliated Companies

P.O. Box 26222 Tampa, FL 33623

Nationwide refrains from promising a specific response time frame. However, customers have reported waiting several weeks before hearing any updates.

Since Nationwide offers such a wide breadth of insurance types, it's difficult to separate its travel-specific customer reviews from reviews on its other products. It received an average of 1.16 stars out of five across over 340 reviews on its BBB page, though most customers are writing about experiences with Nationwide's auto and health insurance.

On SquareMouth, a travel insurance-specific aggregator, Nationwide has an average of 4.01 stars across 570 reviews. Reviewers reported unresponsive a claims team and long wait times. Additionally, while insurance companies often engage directly with customer reviews on SquareMouth, Nationwide doesn't respond to customer reviews.

Learn more about how Nationwide Travel Insurance compares against the competition. 

Nationwide Travel Insurance vs. Allianz Travel Insurance

Much like Nationwide, Allianz Travel Insurance insurance offers many different types of insurance coverage. While the company may be most well known for auto insurance, it offers travel insurance as well and has eight options. Allianz Travel Insurance, a major player in the travel insurance space, has 10 options listed.

Allianz Travel Insurance may offer higher coverage limits for the policies offered and have a streamlined process for filing a claim online. Where Nationwide wins out is the fact that you can add cancel for any reason (CFAR) for an added cost, whereas CFAR coverage isn't available when purchasing an online policy via Allianz Travel Insurance.

Read our Allianz Travel Insurance review here.

Nationwide Travel Insurance vs. John Hancock Travel Insurance

John Hancock Travel Insurance  is similar to Nationwide in that it provides a wide range of insurance offerings and financial services. One of those offerings is travel insurance. John Hancock travel insurance offers travel insurance through Bronze, Silver, and Gold policies.

When comparing policies, the budget option may be slightly more affordable with Nationwide. However, mid-tier and higher coverage options may be more affordable with John Hancock travel insurance. It depends on your policy, trip details, and age. One good thing is that you can add cancel for any reason (CFAR) coverage under all John Hancock travel insurance plan options.

Read our John Hancock Travel Insurance review here.

Nationwide vs. credit card travel coverage

Rewards credit cards come chock full of benefits for cardholders, some of which they might be unaware of. One such perk can be travel interruption or cancellation coverage as well as rental car coverage. Credit cards may have sufficient coverage for quick trips. However, if you want the peace of mind of having solid medical coverage or higher limits, going the traditional travel insurance route may be a better fit.

For frequent travelers, credit card travel protection may be appealing as the coverage is constant. If you're looking for a comparable travel insurance plan with more comprehensive coverage, some companies offer annual travel insurance.

You can find our guide on the best credit cards with travel insurance  here.

Nationwide Travel Insurance Frequently Asked Questions

Nationwide's travel insurance offers very comprehensive coverage, including trip cancellation, interruption, medical emergencies, and baggage loss.

Yes, Nationwide allows the purchase of travel insurance up to a day before your departure. It doesn't offer plans for trips already in progress.

Nationwide covers COVID-19 like any other illness, covering trip cancellations with proof of a positive test and covering emergency medical expenses. 

Nationwide single trip plans cover pre-existing conditions as long as you purchase the Essential plan within 10 days of your trip deposit and the Prime plan within 21 days of your trip deposit. The annual plan doesn't cover pre-existing conditions, with a 60-day look-back period. 

Nationwide is known for its reliable customer service, wide range of coverage options, and the ability to tailor policies with various add-ons, setting them apart from many competitors.

Why You Should Trust Us: How We Reviewed Nationwide Travel Insurance

For our review of Nationwide, we looked at the leading travel insurance providers and compared the amount of options provided, coverage limits, cost, customer service options, and flexibility.

Nationwide is a top contender for cruise-related travel insurance policies and stands out for having cancel for any reason (CFAR) coverage, though it's not available with every policy and comes with an extra cost. To find the best travel insurance policy for you, review various providers and compare quotes before buying a policy.

Read more about how Business Insider rates travel insurance companies here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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