Generali Global Assistance Travel Insurance Review 2022 – Forbes Advisor

Here’s a comparison of the Generali Global Assistance Standard, Preferred and Premium plans. Travel assistance services are included in all plans.

Generali Global Assistance Travel Insurance Plan Comparison

Generali Global Assistance’s Standard travel insurance plan

Generali’s Standard travel insurance plan offers pre-and post-departure coverage with adequate limits. Benefits include trip cancellation, trip delay, trip interruption, and baggage and personal effects coverage. This plan also provides emergency medical assistance and evacuation.

The Standard plan includes missed connection coverage of $500 per person, for cruise and tour itineraries. This coverage helps if your flight is canceled or delayed by three hours or more due to severe weather, causing you to miss a cruise or tour departure. If this happens, you can be reimbursed for forfeited activities and for meals and lodging while you’re delayed.

You also get accidental death and dismemberment flight coverage of $50,000 per person and $100,000 per plan.

Rental car coverage of $25,000 is available as an optional add-on to the Standard plan.

Generali Global Assistance’s Preferred travel insurance plan

Generali’s Preferred plan includes all the types of travel insurance in the Standard plan, but provides higher coverage amounts. It also provides additional coverage types.

The Preferred travel insurance plan can cover your sports gear if it’s delayed, lost or stolen. Note that items without receipts are reimbursed at 75% of the actual cash value (purchase price less depreciation). So be sure to save your receipts if you’re buying new gear before your trip.

With Generali’s Preferred plan, you’re also covered by trip cancellation insurance if one of your travel providers goes out of business.

The Preferred travel insurance plan provides accidental death and dismemberment (AD&D) coverage:

  • AD&D for flight accidents: $75,000 per person/$150,000 per plan
  • AD&D for travel accidents: $25,000 per person/$50,000 per plan

You also get $750 in missed connection coverage, for cruises and tours. Rental car coverage of $25,000 is available as an optional add-on with the Preferred plan.

Generali Global Assistance’s Premium travel insurance plan

Generali’s Premium travel insurance plan is designed for international travelers with tours, expensive activities or cruises planned. It’s the most robust travel insurance plan sold by Generali Global Assistance.

With the Premium travel insurance plan, you get all the benefits of the Preferred plan, but with higher coverage limits, plus some additional coverage options.

Unlike Generali’s Standard and Preferred travel insurance plans, the Premium plan offers “cancel for any reason” coverage. It’s important to note that you must buy the travel insurance policy within 24 hours of making your first trip deposit if you want the “cancel for any reason” add-on.

The Premium plan is also the only plan from Generali allowing you to get a pre-existing medical condition exclusion waiver. In order to qualify for pre-existing medical condition coverage, you must purchase your travel insurance plan before or within 24 hours of making your final trip payment.

The Premium plan includes accidental death and dismemberment coverage for flights and for your trip:

  • AD&D flight accidents: $100,000 per person/$200,000 per plan
  • AD&D travel accidents: $50,000 per person/$100,000 per plan

Missed connection coverage of $1,000, for tours and cruises, is included in Generali’s Premium travel insurance plan.

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