Travel Insurance Coverage Details, Covered Reasons and Helpful Tips


Generali travel insurance covers many common unexpected events that could derail your travel plans, but doesn't cover everything that could happen. So, it's important that you understand what's included with the plan you choose and the specific events that are covered. On this page you can find explanations about all of the coverages included with Generali's Standard, Preferred and Premium travel insurance plans, including covered reasons and helpful tips.

Please note that plans purchased in certain states include some differences to coverage details. State-specific coverage details, as well as the the entire terms and conditions for each plan, can be seen in the Description of Coverage/Policy.

Trip Cancellation

(Included with Standard, Preferred and Premium plans)

If you must cancel your trip, there are often cancellation penalties tied to the arrangements that you’ve made and you may get only a portion of your trip costs back—or none at all. Such arrangements may include airfare, lodging, cruises, tours, event ticketing and more. Those cancellation penalties tend to get more severe as the departure date gets closer.

That’s where Trip Cancellation coverage can help.

Trip Cancellation is a coverage included with your plan that’s designed to make you "whole" again by reimbursing you up to 100% of your insured trip cost as shown in the Schedule of Benefits for unused, non-refundable, pre-paid travel expenses if you’re prevented from taking your trip due to a covered reason. 

Helpful Tips:

  • Trip Cancellation doesn’t cover events that are considered foreseeable. Foreseeable simply means reasonably known before purchase. For example, if the airline you are flying announces that they are going on strike, the event becomes foreseeable once they make the announcement.
  • Flying with miles? Trip Cancellation can reimburse costs to have your frequent flyer miles reinstated if you have to cancel due to a covered reason.
  • If your traveling companion has to cancel due to a covered event, you can also qualify for Trip Cancellation coverage. Trip Cancellation can provide reimbursement if you have to pay for changes in the per person occupancy rate of your travel arrangements. Or, the coverage can provide reimbursement if you decide to also cancel your trip.

Did You Know: You can also choose to reschedule your trip arrangements rather than canceling. If you're prevented from taking your trip due to a covered reason, you may have the option to reschedule your trip instead of canceling it. In this case we will pay for the change fees charged by your travel supplier—airlines, cruise lines, tour operators, etc.—up to the amount shown in the Schedule of Benefits.

Covered Reasons for Trip Cancellation:

  • Sickness, Injury and Death: You, a traveling companion or your service animal pass away or get sick or injured after you purchase your plan, must seek the in person treatment of a physician and can’t travel according to a physician. Or a non-traveling family member is hospitalized or passes away after you purchase your plan and you are unable to make the trip.
    • Important Note: Your or your traveling companion’s sickness or injury must first occur after you purchase your plan in order to have coverage. Pre-existing medical conditions are generally excluded from coverage. However, coverage is available with the Premium plan if you purchased your plan prior to or within 24 hours of making final payment for your trip, provided other requirements are also met. Review a Description of Coverage/Policy for full details.
  • Common Carrier Cancellations and Delays: You experience a flight or other common carrier cancellation or delay due to a mechanical breakdown or adverse weather. Or, you bought your plan prior to or within 24 hours of final payment for your trip and you experience a common carrier cancellation or delay due to Financial Insolvency of one of your travel suppliers (coverage for financial insolvency is only included with Preferred and Premium plans). Coverage is available provided you didn't book your arrangements directly through the supplier and provided the Financial Insolvency takes place at least 14 days after you buy your plan.
    • Did You Know? Common carriers can include scheduled flights, cruises, ferry rides, train rides, bus rides and more. See “Common Carrier” in the definitions section of the Description of Coverage/Policy for full details.
  • Labor Strike: An organized labor strike affects public transportation and you have to cancel.
  • Car Accident: You’re directly involved in a documented traffic accident while en route to departure.
  • Being Hijacked or Quarantined: If you are hijacked or quarantined.
  • Jury Duty: You’re required to serve on a jury or required to appear as a witness in a legal action by a court order. Does not apply if you, a traveling companion or a non-traveling family member are a party to the legal action or appearing as a law enforcement officer.
  • Home Uninhabitable: A flood, fire or other natural disaster renders your home residence uninhabitable.
  • Destination Uninhabitable: A flood, fire or other natural disaster renders your hotel, resort, vacation rental or other lodging reservation at your destination uninhabitable. The onset of the disaster must take place within 30 days of your reservation. You qualify for a cancellation if you have 50% or less—or 4 days or less—of your reservation left when the destination becomes inhabitable again.
  •  Travel Document Theft: Your passports or visas are stolen and you report the theft.
  •  Mandatory Evacuation: Your destination is evacuated due to adverse weather or a natural disaster, such as a hurricane. The initial evacuation order must be issued within 30 days of your reservation. You qualify for a full cancellation if you have 50% or less—or 4 days or less—of your reservation left when the evacuation order is lifted, at your destination.
  •  Military Duty: Due to a natural disaster, you are called into active military service to provide aid or relief and must cancel your trip.
  •  Military Leave Revoked: You had approved military leave before purchasing travel insurance, but your leave is revoked and you have to cancel your trip. Be ready to provide an official revocation notice from your commanding officer with your claim packet.
  • Job Loss: After at least one year of employment with the same company you experience an involuntary termination and can't go on your trip. Coverage is unavailable to those who are self employed, temporary employees and independent contractors. Coverage is also unavailable if you're terminated within 14 days of buying your plan.
  • Terrorist Act: A terrorist act in the city you’re departing from or in a city you’re scheduled to travel to. The city must not have experienced a terrorist act in the 30 days before you bought travel insurance and the terrorist act must take place within 30 days of your scheduled date of departure.
  • Host’s Life-threatening Sickness or Injury: Your host at your destination can no longer provide lodging due to a life-threatening sickness or injury. Or your host unexpectedly passes away.
  • Extension of School Year: A school that either you or a traveling companion attend must extend its operating session beyond the pre-defined school year and beyond the scheduled departure date of your trip. 
  • Extension of Exams: Your or a traveling companion’s academic exams are rescheduled after you buy travel insurance and are now scheduled during your trip dates.
  • New Vaccination Requirements: Your destination country announces and publishes a new vaccination requirement after you buy travel insurance, that you are medically unable to receive.
  • Organ Match: You’ve been waiting for a medically necessary organ transplant and receive official notification of an organ match that requires immediate transplant. Your physician must advise that your transplant or your recovery prevents your travel.
  • Adoption: You’re trying to adopt a child and receive a court notice to attend an adoption proceeding during your travel dates and have to cancel. Or, you were taking your trip to complete a confirmed adoption proceeding and the proceeding is cancelled.

Trip Interruption

(Included with Standard, Preferred and Premium plans)

Trip Interruption coverage is similar to Trip Cancellation in that it’s designed to help you recoup non-refundable travel costs. While Trip Cancellation can help if you have to cancel your trip altogether, Trip Interruption can help if you’re still taking your trip but aren’t able to use all of your pre-paid arrangements.

Trip Interruption coverage goes into effect as soon as you depart on your trip. It can reimburse you up to the amount shown in the Schedule of Benefits for unused, non-refundable, pre-paid land and water arrangements. Trip Interruption can also reimburse for out-of-pocket transportation expenses to get you caught back up to your trip as planned, or to get you back home if you have to end your trip early.

Helpful Tip: Reimbursable travel costs include the unused, non-refundable land arrangements that you’ve paid for your trip, such as accommodations, tours, train tickets or event admissions; water arrangements like a ferry ride or cruise, and airfare for any side trips you’d planned during your travel dates. 

Did You Know? Trip Interruption coverage can also reimburse you for additional transportation expenses that you must pay when trying to get to your destination if you are delayed and you end up leaving after the scheduled departure date and time.

Like Trip Cancellation, your interruption must be caused by a covered reason in order to have coverage.

Covered Reasons:

  • Sickness, Injury and Death: You, a traveling companion or your service animal become sick or injured after you purchase your plan, must seek the in person treatment of a physician and can’t travel according to a physician. Or a non-traveling family member is hospitalized or passes away during your trip and you must return home.
    • Important Note: Your or your traveling companion’s sickness or injury must first occur during your trip in order to have coverage. Pre-existing medical conditions are generally excluded from coverage. However, coverage is available with the Premium plan if you purchased your plan prior to or within 24 hours of making final payment for your trip, provided other requirements are also met. Review a Description of Coverage/Policy for full details.
    • Helpful Tip: Before you leave on your trip, download our physician statement.Should you have to interrupt your trip because of a sickness or injury, having this form on-hand will allow your treating physican to complete the form during your appointment.
  • Common Carrier Cancellations and Delays: You experience a flight or other common carrier cancellation or delay due to a mechanical breakdown or adverse weather. Or, you bought your plan prior to or within 24 hours of final payment for your trip and you experience a common carrier cancellation or delay due to Financial Insolvency of one of your travel suppliers (coverage for financial insolvency is only included with Preferred and Premium plans). Coverage is available, provided you didn't book your arrangements directly through the supplier and provided the Financial Insolvency takes place at least 14 days after you buy your plan.
    • Did You Know? Common carriers can include scheduled flights, cruises, ferry rides, train rides, bus rides and more. See “Common Carrier” in the definitions section of the Description of Coverage/Policy for full details.
  • Labor Strike: An organized labor strike affects public transportation and you have to cancel.
  • Car Accident: You’re directly involved in a documented traffic accident while en route to departure.
  • Being Hijacked or Quarantined: If you are hijacked or quarantined.
  • Jury Duty: You’re required to serve on a jury or required to appear as a witness in a legal action by a court order. Does not apply if you, a traveling companion or a non- traveling family member are a party to the legal action or appearing as a law enforcement officer.
  • Home Uninhabitable: A flood, fire or other natural disaster renders your home residence uninhabitable.
  • Destination Uninhabitable: A flood, fire or other natural disaster renders your hotel, resort, vacation rental or other lodging reservation at your destination uninhabitable. The onset of the disaster must take place within 30 days of your reservation. You qualify for a full cancellation if you have 50% or less—or 4 days or less—of your reservation left when the destination becomes inhabitable again.
  • Travel Document Theft: Your passports or visas are stolen and you report the theft.
  • Mandatory Evacuation: Your destination is evacuated due to adverse weather or a natural disaster, such as a hurricane. The initial evacuation order must take place within 30 days of your reservation. You qualify for a full cancellation if you have 50% or less—or 4 days or less—of your reservation left when the evacuation order is lifted at your destination.
  • Military Duty: Due to a natural disaster, you are called into active military service to provide relief efforts and must cancel your trip.
  • Military Leave Revoked: You had approved military leave before purchasing travel insurance but your leave is revoked and you have to cancel your trip. Be ready to provide an official revocation notice from your commanding officer with your claim packet.
  • Job Loss: After at least one year of employment with the same company you are experience an involuntary termination and can't go on your trip. Coverage is unavailable to those who are self employed, temporary employees and independent contractors. Coverage is also unavailable if you're terminated within 14 days of buying your plan.
  • Terrorist Act: A terrorist act in the city you’re departing from or in a city you’re scheduled to travel to. The city must not have experienced a terrorist act in the 30 days before you bought travel insurance and the terrorist act must take place within 30 days of your scheduled date of departure.
  • Host’s Life-threatening Sickness or Injury: Your host at your destination can no longer provide lodging due to a life-threatening sickness or injury. Or your host unexpectedly passes away.
  • Extension of School Year: A school that either you or a traveling companion attend must extend its operating session beyond the pre-defined school year and beyond the scheduled departure date of your trip. 
  • Extension of Exams: Your or a traveling companion’s academic exams are rescheduled after you buy travel insurance and are now scheduled during your trip dates.
  • New Vaccination Requirements: Your destination country announces and publishes a new vaccination requirement after you buy travel insurance, that you are medically unable to receive.
  • Organ Match: You’ve been waiting for a medically necessary organ transplant and receive official notification of an organ match that requires immediate transplant. Your physician must advise that your transplant or your recovery prevents your travel.
  • Adoption: You’re trying to adopt a child and receive a court notice to attend an adoption proceeding during your travel dates and have to cancel. Or, you were taking your trip to complete a confirmed adoption proceeding and the proceeding is cancelled.

Travel Delay

(Included with Standard, Preferred and Premium plans)

Traveling is prone to delays and sometimes those delays can become costly as travelers have to pay for unplanned purchases out of pocket. If you’re delayed during your trip, Travel Delay can reimburse you up to the amount listed in the Schedule of Benefits for reasonable meals, telephone calls, additional parking charges, pet kennel fees, local transportation and even lodging during your delay.

Important Note: Travel Delay can only be used if your delay is for ten hours or more with the Standard plan, eight hours or more with the Preferred plan and six hours or more with the Premium plan.

Did You Know? Travel Delay and Trip Interruption coverages can often be used in the same situation. If your trip is interrupted or delayed, Trip Interruption can reimburse you for additional transportation to catch up to your trip, unused lodging and missed cruise days, while Travel Delay reimburses for out of pocket costs like meals and overnight lodging while you are delayed.

Covered Reasons:

  • Common carrier delay: for instance, a flight or cruise ship delay
  • Adverse weather or natural disaster
  • Loss or theft of your travel documents, passport or money
  • Quarantine
  • Hijacking
  • Car Accident: You’re directly involved in a documented traffic accident while en route to departure
  • Unannounced strike
  • Civil disorder
  • Sickness or injury of you or a traveling companion
  • Death of a traveling companion

Baggage

(Included with Standard, Preferred and Premium plans)

Your luggage and personal belongings are valuable, so it makes sense to get coverage for your baggage when traveling, especially if you'll be away from home for a while. Baggage coverage is secondary to your homeowner’s or renter’s insurance.

Baggage coverage can reimburse you if your baggage is damaged, lost or stolen during your trip.

Did You Know? If you need to reissue a passport, visa or ticket because it was lost, damaged or stolen while traveling, Baggage Coverage can pay the fees.

Helpful Tip: If you’re buying any new items for your trip, keep the receipts. Items without receipts are reimbursed based upon 75% of the Actual Cash Value.

Important Note: Your insurance plan is unable to cover every item you might be traveling with. Some items, like eyeglasses and computer hardware are excluded. Read the full list of excluded items in your Description of Coverage/Policy.

What if my baggage is damaged, lost or stolen? Immediately report what happened to your hotel manager, tour guide, or local authorities and obtain a written report. After reporting your loss, do your best to protect your items from any further damage. If you need to temporarily repair your luggage, we will reimburse you for those costs.

Sporting Equipment

(Included with Preferred and Premium plans)

Sporting Equipment Coverage is very similar to Baggage Coverage, but specifically covers Sporting Equipment that you’re traveling with.

If your sporting equipment is damaged, lost or stolen during your trip, this coverage can reimburse you.

Helpful Tip: If you’re buying any new Sporting Equipment for your trip, keep the receipts. Items without receipts are reimbursed based upon 75% of the Actual Cash Value.

Important Note: Your insurance plan is unable to cover every item you might be traveling with. Some items, like sunglasses are excluded. Read the full list of excluded items in your Description of Coverage/Policy.

What if my sporting equipment is damaged, lost or stolen? Immediately report what happened to your hotel manager, tour guide, or local authorities and obtain a written report. After reporting your loss, do your best to protect your items from any further damage. If you need to temporarily repair your equipment, we will reimburse you for those costs.  

Baggage Delay

(Included with Standard, Preferred and Premium plans)

Arriving at your destination and standing at the baggage claim waiting for luggage that never arrives is another common, stressful experience for travelers. You might find yourself stranded without essential personal items or clothing that you need to enjoy your trip as planned.

Baggage Delay can reimburse you for the reasonable cost of clothes and other personal items that you have to buy while your baggage is delayed.

Important Note: Baggage must be delayed for at least 24 hours with a Standard pan, 18 hours with a Preferred plan and 12 hours with a Premium plan. This coverage ends once you return home.

Did You Know? We can also reimburse you for the cost to retrieve your delayed baggage and have it returned to you.

Sporting Equipment Delay

(Included with Preferred and Premium plans)

If you arrive at your ski trip destination without your skis or your golf outing destination without your golf clubs, Sporting Equipment Delay can help.

Sporting Equipment Delay can reimburse you for the cost of locating your delayed Sporting Equipment and having it returned to you.

Coverage is included for skis, golf clubs, surfboards, mountain bikes and more.

Important Note: Sporting Equipment must be delayed for at least 18 hours with the Preferred plan and 12 hours with the Premium plan.

Missed Connection

(Included with Standard, Preferred and Premium plans)

Taking a cruise or tour? Rigid itineraries can make cruise and tour travel especially risky, particularly if you’re flying to your port or city of departure.

If your flight is cancelled or delayed because of adverse weather for three hours or more and you miss your cruise or tour departure, Missed Connection coverage can help.

If this happens, you might miss part of your cruise or tour and assume additional transportation costs to catch up. You might also have to purchase overnight lodging or meals while you’re delayed. While Trip Interruption and Travel Delay coverages will often reimburse you for these costs, Missed Connection can help if coverage isn’t available.

Medical and Dental

(Included with Standard, Preferred and Premium plans)

Another important reason why travelers purchase insurance for their trips is to secure medical and dental coverage if they’re traveling out of the country or out of their primary health insurance provider’s network.

If you accidentally become sick or injured on your trip, your primary or secondary insurance carriers might not be able to cover all of your expenses. Even if your health insurance can cover most of your costs, you might be held responsible for deductibles or copays.

Medical and Dental coverage included with Generali travel insurance can step in and reimburse you for costs that aren’t covered by your health insurance.

Covered medical costs include:

  • Services of physicians and graduate nurses
  • Hospital charges
  • Local ambulance services
  • Prescription drugs and medicines
  • Therapeutic services
  • Emergency dental treatment during your trip

Helpful Tip: While dental coverage ends with your trip, coverage for medical expenses is available for up to one year from the date you become sick or injured during your trip, even after you return home.

Important Note: Your sickness or injury must first occur during your trip in order to have coverage. Pre-existing medical conditions are generally excluded from coverage. However, coverage is available with the Premium plan if you purchased your plan prior to or within 24 hours of making final payment for your trip, provided other requirements are also met. Review your Description of Coverage/Policy for full requirements.

Did you know? If you experience an acute illness during your trip, our No Out-of-Pocket Medical Expense service may be able to help.

Emergency Assistance and Transportation

(Included with Standard, Preferred and Premium plans)

Most travelers don’t think about needing to be medically evacuated during their trip. Coverage for such a scenario can be valuable when cruising, traveling to a remote destination, or simply improving your peace of mind while away from home. Some countries and travel suppliers may even require you to have a minimum amount of emergency medical coverage in order to issue you a visa or allow you to board.

If you become critically sick or injured during your trip and no suitable local care is available, your Generali plan provides coverage for emergency medical evacuation to the nearest hospital that’s equipped to take care of you. For non-emergency situations, the plan provides coverage for medically necessary transportation to a hospital in the U.S. or to your place of residence in the U.S.

Coverage for the preparation and return of your remains to a funeral home in the U.S. or for a local burial if you die outside of the U.S. is also provided. Or, you may choose a local burial, if preferred.

For 24/7/365 Emergency Assistance on your trip, call:

US: 877-243-4135

Collect Worldwide: 240-330-1529

Helpful Tip: If you are undergoing a non-emergency medical evacuation and won’t be properly cared for in your city of residence, you may also decide to be medically transported to an alternative U.S. city where you’ll have access to the care you need.

Did You Know? If you’re traveling alone and hospitalized for more than seven days, coverage is included to fly one person of your choosing to come accompany you. The plan also provides coverage for their lodging, meals, local transportation and telephone calls during this time.

Accidental Death and Dismemberment– Air Flight Accident and Travel Accident

(AD&D-Air Flight Accident is included with Standard, Preferred and Premium plans)
(AD&D-Travel Accident is included with the Preferred and Premium plans)

While rare, accidents happen. If you’re in an accident during your trip and suffer a loss of life, limb or sight, this coverage provides payment. Note this coveraeg isn't available for losses due to sickness or service in the armed forces of any country.

Did You Know you can designate a beneficiary for your travel insurance plan? You can add a beneficiary during checkout.

Rental Car Damage

(Included with the Premium plan and optional add-on coverage with the Standard and Preferred plans)

Rental Car Damage coverage 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.

Helpful Tip: If your Traveling Companions are licensed drivers and listed on the rental agreement, they also have coverage.  

What if my rental car is damaged? Do your best to protect the vehicle from further damage and report the incident to your rental car company and local authorities as soon as possible. Be sure to acquire all information such as insurance information and driver’s license numbers from any other party involved in the accident. Submit your information and other important documentation, including your rental car agreement, with your claim.

This coverage is not available to residents of Texas.

Trip Cancellation for Any Reason

(Optional add-on coverage only available with the Premium plan)

Trip Cancellation coverage, unfortunately, can’t cover every reason that might cause you to cancel your trip. This is where Trip Cancellation For Any Reason coverage can help.

Optional Trip Cancellation For Any Reason can reimburse up to 75% of your prepaid, forfeited, non-refundable trip cost if you have to cancel. The reason for your cancellation doesn’t matter, but you will need to meet a few other requirements.

To be eligible for this coverage, make sure:

  1. You purchased Trip Cancellation For Any Reason within 24 hours of making initial deposit for your trip.
  2. You cancel your trip 48 hours or more before your scheduled departure.
  3. You insured all of your nonrefundable trip costs that are subject to cancellation penalties.
  4. Your per person trip cost is no more than $10,000.
  5. You weren’t disabled from travel when you bought coverage.

This coverage is not available to residents of New York.

 

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