Generali Global Assistance Travel Insurance Review 2022 – Forbes Advisor

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

Comparison of Generali Global Assistance travel insurance plans

Generali Global Assistance travel insurance standard plan

Generali’s standard travel insurance plan offers pre- and post-departure coverage with adequate limits. Benefits include travel cancellation, travel delay, travel interruption and coverage for luggage and personal belongings. This plan also provides for emergency medical care and evacuation.

The standard plan includes coverage for missed connections of $ 500 per person for cruise routes and tours. This coverage helps if your flight is canceled or delayed by three hours or more due to bad weather, which makes you miss a cruise or departure. If this happens, you can be reimbursed for lost activities and for food and accommodation while you are late.

In addition, you receive coverage for accidental deaths and dismemberment of $ 50,000 per person and $ 100,000 per plan.

A $ 25,000 car rental coverage is available as an add-on to the standard plan.

Generali Global Assistance travel insurance plan preferred

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

The preferred travel insurance plan can cover your sports equipment if it is delayed, lost or stolen. Please note that items without receipts are refunded at 75% of the actual cash value (purchase price minus depreciation). So be sure to keep your receipts if you buy new equipment before your trip.

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

The preferred travel insurance plan provides accident and breakdown (AD&D) coverage:

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

You also get $ 750 in coverage for missed connections for cruises and tours. A $ 25,000 car rental coverage is available as an add-on to your preferred plan.

Generali Global Assistance travel insurance premium plan

Generali’s Premium Travel Insurance Plan is designed for international travelers with planned tours, expensive activities or cruises. This is the most stable 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 “cancellation for some reason” coverage. It is important to note that you must purchase the travel insurance policy within 24 hours of making the deposit for your first trip if you want the “cancellation for any reason” supplement.

The premium plan is also the only plan from Generali that allows you to get an existing exemption from medical exclusion. To qualify for pre-existing medical coverage, you must purchase your travel insurance plan before or within 24 hours of making your last travel payment.

The premium plan includes accidental death coverage and breakdown for flights and for your trip:

  • AD&D Flight Accidents: $ 100,000 per person / $ 200,000 per plan
  • Road accidents with AD&D: $ 50,000 per person / $ 100,000 per plan

$ 1000 missed connection coverage for tours and cruises is included in Generali’s Premium Travel Insurance Plan.

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