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.
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If you, a family member or a traveling companion are diagnosed with COVID-19 before or during your trip, and meet the requirements for coverage due to sickness, you can be covered for Trip Cancellation, Trip Interruption, Travel Delay, Medical & Dental, and Emergency Assistance & Transportation, in addition to our 24/7 Emergency Assistance services. You can also be covered for additional lodging expenses and extension of your travel insurance plan if you are required to isolate at your destination and your return is delayed.
For your safety and the safety of others, travelers who believe they may have contracted the virus should call our 24/7 Emergency Assistance team who will coordinate local treatment on your behalf.
Read a sample Description of Coverage/Policy for coverage details.
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.
Generali Global Assistance offers a variety of plans and add-on coverages to help protect your trip. Our 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. Additionally, our 24-Hour Emergency Services, Concierge and ID Theft Resolution services are included with our plans. These services round out our travel protection plans to provide real-time assistance when you need it on your trip.
In addition to providing added peace of mind, travel insurance 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. For instance, if you’re traveling to a Schengen country, our Standard, Preferred or Premium plans fulfill the Schengen visa insurance requirements.
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.
* Baggage Delay coverage can only be claimed if the delay lasts for the amount of time specified in the Schedule of Benefits