What are the benefits of Generali travel insurance?
Generali Global Assistance offers a variety of plans and add-on coverages to help protect your trip. Plans can help with a number of unexpected problems, including trip cancellations and interruptions; travel delays; lost, damaged and delayed baggage; and unexpected sickness, injury and medical evacuation. 24-Hour Emergency Services, Concierge and ID Theft Resolution services are also included. These services round out Generali travel protection plans to provide real-time assistance when you need it on your trip.
In addition to providing added peace of mind, Generali plans can also help international travelers satisfy passport insurance requirements. Depending upon your country of residence and where you’re traveling to, you may be required to possess passport insurance for emergency hospital treatment and emergency medical evacuation before you’re permitted to enter your destination country or receive your visa.
When is the best time to get travel insurance?
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.
You may insure pre-paid, non-refundable trip costs. Non-refundable, pre-paid trip costs are costs associated with your insured trip that you wouldn't recoup if you cancel the trip and are paid before you leave on your trip. Take into account flights, cruises, accommodations, tours, entertainment and other trip costs that could be lost if you're prevented from taking your trip.
Can I add coverage to my plan after I purchase it?
Yes. If you purchase additional arrangements such as lodging, rental car, a round of golf or show tickets prior to your departure date, you can purchase additional coverage to insure those arrangements.
How many people can be covered by one travel insurance plan?
Up to 10 travelers can be insured under one plan (they must be listed on the plan to be covered).
Insurance plans cannot cover all events that might happen to you. Those events which are covered are listed in your Description of Coverage or Policy.
What are some of the covered events?
Some examples of covered reasons for Trip Cancellation or Trip Interruption include sickness, injury or death of you, a family member or traveling companion; flight cancellations and delays due to adverse weather or mechanical breakdown of the aircraft; mandatory evacuation at your destination; jury duty; school year extensions; your home made uninhabitable by hurricane or other natural disaster; a documented traffic accident en route to your destination; involuntary termination of employment; acts of terrorism; and more. Additional terms and conditions apply, review a sample Description of Coverage/Policy for full details.
Can I still buy insurance coverage for a pending storm?
For plans that offer coverage for adverse weather and natural disasters, if the plan is purchased after a storm is named, coverage is typically not provided for losses resulting from that named storm.
Foreseeable simply means reasonably known beforehand. Once it is reasonable that people traveling to an area would know about an event, it becomes foreseeable. For example, if employees of the airline you are flying announce that they are going on strike, the event becomes foreseeable once they make the announcement.
If I buy the plan today, when does coverage begin?
Trip Cancellation coverage begins at 12:01 A.M. on the day after the date the plan payment is received. All other coverages begin when you depart on your covered trip.
Who is considered as a family member?
Can I be covered for a Pre-Existing Medical Condition?
If you purchase the Generali 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 (state exceptions apply).
What is a Pre-Existing Medical Condition?
A pre-existing medical condition means a sickness or injury during the 180-day period immediately prior to your effective date for which you or your traveling companion:
Item 2 of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine, and remains treated or controlled without any adjustment or change in the required prescription throughout the 180-day period before coverage is effective under the insurance plan.
See the plan Description of Coverage or Policy for more details.
What does "final payment" mean?
"Final payment" is the last pre-paid payment (prior to departure) of the most expensive part of the trip, unless the main air arrangements are added last. "Main air arrangements" refer to air to/from the main destination, compared to tickets for a side trip during the vacation.
How does the Trip Cancellation for Any Reason add-on coverage work?
Trip Cancellation for Any Reason coverage is available as an optional upgrade to the Generali Premium plan. This coverage reimburses you up to 75% of your nonrefundable trip costs when you cancel for any reason. These requirements must be met in order to qualify for Trip Cancellation for Any Reason coverage:
This coverage is not available to residents of New York
How does rental car damage coverage work?
Rental Car Damage coverage is included with the Premium plan and is available as an optional add-on coverage with the Standard and Preferred plans. It provides coverage if your rental car is damaged from collision, theft, vandalism, natural disasters or any other cause beyond your control. Coverage is provided for either the cost of repairs and rental charges charged by the rental company while the vehicle is being repaired or the Actual Cash Value of the car, whichever is less.
Note: Trucks, trailers, motorcycles and other vehicles are not eligible for coverage. Review your Description of Coverage/Policy for a full list of excluded vehicles.
This coverage is not available to residents of Texas.
I have coverage questions, who should I ask about them?
Call Generali Global Assistance toll-free 800-874-2442.
What if I want to cancel my plan after I've purchased it?
Generali Global Assistance proudly stands behind its products and services and offers a "free look" on all travel protection plans. If you purchase a plan and are not satisfied, you have 10 days to contact Generali to indicate your desire to cancel (residents of Indiana may cancel within 30 days of purchase). If you haven't already left on your trip or filed a claim, you will receive a complete refund of your plan cost.
Please note the plan cost is non-refundable after the “free look” time frame allowed under the plan purchased.
How much time do I have to submit a claim?
Claims need to be submitted within one year after a covered loss, but should be submitted as soon as possible.
What services are available to me before, during and after my trip?
You are eligible to use Concierge Services at any time after you purchase a Generali Global Assistance plan, there are even pre-trip services available before you travel. The Emergency Assistance Services become available when you actually start your trip. Emergency Assistance and Concierge Services end the earliest of: midnight on the day the plan expires; when you reach your return destination; or when you complete your trip.
Our plans include access to Teladoc, a service that connects travelers instantly with a network of physicians for information, advice, and treatment, including prescription medication, when appropriate. Teladoc services are only available while on a covered trip and are available in all 50 states. Their services are not currently available in U.S. territories or internationally.
Identity Theft Resolution Services are automatically included for a full 180 days starting on the traveler’s scheduled departure date. Identity Theft Resolution does not include assistance for thefts involving non-U.S. bank accounts.
How do I access the services included with my plan?
If you need help from Concierge, Emergency Assistance, or Identity Theft Resolution services included with your travel protection plan, you can call 877-243-4135 toll-free 24 hours a day from within the United States, or call 240-330-1529 collect from around the world.
Other services may be available depending on the plan you purchase; refer to the plan Description of Coverage or Policy for details.
Who do I call if I have an emergency while traveling?
Every Generali Global Assistance plan includes acclaimed 24-Hour Emergency Assistance Services, for immediate aid accessible from anywhere in the world. If you need emergency help for an available service, you can call 877-243-4135 toll-free 24 hours a day from within the United States, or call collect to 240-330-1529 from around the world. If you cannot call collect from your location, dial direct and give the assistance provider your telephone number and location and they will call you back. When calling, you should have available your policy number and plan code, your location, a local telephone number, and details of the situation. In the event of a life-threatening emergency, please first call the local emergency authorities to receive immediate assistance and then contact the assistance provider.
Travel insurance plans are administered by Customized Services Administrators, Inc., CA Lic. No. 0821931, located in San Diego, CA and doing business as Generali Global Assistance & Insurance Services. Plans are available to residents of the U.S. but may not be available in all jurisdictions. Benefits and services are described on a general basis; certain conditions and exclusions apply.
