Generali Travel Insurance FAQs

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We've gathered the most common travel insurance questions we receive, to help you find the answers you need to choose the right travel insurance plan that meets your needs. If you don't see your question below, try our Help Center or contact Customer Service. If you're ready to purchase a Generali travel insurance plan, an instant quote is one click away.


What are the requirements for coverage due to sickness?

In order to qualify for coverage due to sickness, including COVID-19:

You, a Traveling Companion or your Service Animal get Sick 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 after you purchase your plan and you are unable to make the trip.

Important Note: Your or your traveling companion’s sickness 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.

Also see: Do I have to have symptoms and see a doctor to qualify for COVID-19 sickness coverage?


Can Monkeypox be covered by travel insurance?

Yes, Monkeypox is treated like any other illness and can be covered by Generali travel insurance.

Recently, an outbreak of Monkeypox has spread across several countries that don’t normally report monkeypox, including the United States. Monkeypox symptoms include fever, muscle aches, chills, swollen lymph glands and “a rash that can look like pimples or blisters that appears on the face, inside the mouth, and on other parts of the body” according to the Centers for Disease Control. The virus spreads through close contact with someone who has Monkeypox.

If you, a family member or a traveling companion are diagnosed with Monkeypox 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, insured 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.

When does my travel protection plan go into effect and when does it end?

The Trip Cancellation coverage included with your plan goes into effect the day after you purchase travel protection at 12:01 a.m. On your scheduled departure date, once you begin your trip, you can no longer file a claim for Trip Cancellation.

As soon as you depart, the other coverages in your plan become effective, including Medical and Dental, Trip Interruption, Travel Delay, Emergency Assistance and Transportation, Baggage and more. Those coverages end as soon as one of these occurs: You return from your trip, the trip is completed, your scheduled return date arrives (unless you qualify for extension of coverage), or your arrival at the destination on a one-way trip.

Once you’re home, you can continue to claim for covered Medical and Dental costs that occur within one year from the date of your Sickness or Injury that occurred during your trip.

A variety of Travel Services are included with your plan. Concierge Services are available to use as soon as you purchase your plan and end when you return. Travel Support Services can be used during your trip. ID Theft Resolution Services are also available for a full 180 days starting on the scheduled departure date.

What are the benefits of travel insurance?

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.

See more coverage details

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. 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.

Can I be covered for a Pre-Existing Medical Condition?

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.

At our Travel Insurance Definitions page, you can see how we define Pre-Existing Conditions or see a sample Description of Coverage/Policy for full details.

If my trip is delayed past the original return date, does my travel insurance coverage extend as well?
Yes. All travel insurance coverages will be extended if your entire trip is covered by the plan and your return is delayed by unavoidable circumstances beyond your control. If coverage is extended, coverage will end either on the date you reach your originally scheduled return destination or seven days after your scheduled return date, whichever comes first.
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 our Premium plan. This coverage reimburses you up to 60% of the penalty amount for your trip when you cancel for any reason. These requirements must be met in order to qualify for Trip Cancellation for Any Reason coverage:

  • The travel insurance plan is purchased within 24 hours of initial deposit for your trip
  • You are not disabled from travel at the time you purchase the plan
  • You have insured 100% of all arrangements that are subject to cancellation penalties or restrictions
  • You cancel your trip 48 hours or more prior to the scheduled departure date
  • The trip cost per person is no more than $10,000
  • All insured travelers cancel the trip
This coverage is not available to residents of New York.
When can I buy travel insurance?

Generali travel insurance plans can be purchased up to 18 months before the trip departure date and up until the day prior to departure.

Also see: When is the best time to get travel insurance?

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.

What is travel insurance and what does it cover?

Travel insurance helps protect you from certain unexpected and potentially costly events that can occur before or during your trip. Ultimately, it’s meant to help you travel with more peace of mind so you can worry less and focus on enjoying your time.

Unlike auto insurance, travel insurance coverage is elective, which means it’s up to you to decide if you want it. One of the most common reasons people consider travel insurance is to help protect the money that they’ve spent on their vacation. If you must cancel or interrupt your trip, there are often cancellation penalties tied to the travel arrangements that you’ve made and those cancellation penalties tend to get more severe as the departure date gets closer. You may only get a portion of your trip cost back if you have to cancel your plans—or none at all.

Insurance coverage for Trip Cancellation can reimburse you for unused, non-refundable, prepaid trip costs if you need to cancel your trip for a covered reason, such as sickness, job loss, flight cancellation due to adverse weather and more. Similarly, insurance coverage for Trip Interruption can recoup your trip costs if you’re unable to continue your trip because of a covered reason—our plans also provide reimbursement for additional transportation costs to help you return home or rejoin your group.

Travel insurance provides coverage for other unexpected, out-of-pocket costs as well, such as meals and overnight lodging if your travel is delayed*, clothing and personal items if your baggage is delayed* and medical expenses if you get sick or injured during your trip. Plans also provide insurance coverage for your bags and personal effects during your trip and some offerings help protect your sporting equipment while traveling, along with a variety of other available coverages. We recommend comparing our plans and choosing the option that best suits you and your trip.

*Travel Delay and Baggage Delay coverages can only be claimed if the delay lasts for the amount of time specified in the Schedule of Benefits

See more coverage details

How does travel insurance work?

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.

Read more about how travel insurance works

* Baggage Delay coverage can only be claimed if the delay lasts for the amount of time specified in the Schedule of Benefits

Who is Generali Global Assistance?

We are a full-service travel insurance and assistance provider. Formerly doing business as CSA Travel Protection, our customers will receive the same quality plans and outstanding customer service they have come to expect from us over the past 25 years, now backed by one of the largest insurance companies in the world. Our plans are built on the diverse needs of today’s travelers, designed to help you travel smarter.

Generali Global Assistance is part of the multinational Generali Group, which for more than 185 years has built a presence in 60 countries with over 76,000 employees. We pride ourselves on delivering a simpler, smarter approach to insuring and servicing millions of customers each year.
Read more about us

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.
What is a foreseeable event?
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.
What are non-refundable, pre-paid 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.
What can I insure?
You may insure pre-paid, non-refundable trip costs.
How does travel insurance work with frequent flyer miles?
If you paid for air transportation with frequent flyer miles and cancel your trip, you may be reimbursed for the cost to reinstate the frequent flyer miles to your account. This is only available for Trip Cancellation coverage, not Trip Interruption or other coverages. If frequent flyer miles were used to arrange anything other than air transportation, such as lodging accommodations, our plans do not provide coverage for those situations.


Can I insure a trip purchased with a travel credit or voucher?

Yes. If you received a voucher or credit from a travel company based on previous payment for a booking that is being transferred to a new trip, the new trip can be covered by one of our travel protection plans.

Learn more

Can I buy travel insurance if I live outside of the United States?
Travel insurance plans on this website are only available to U.S. residents, meaning you live and receive mail at a U.S. address. If you live outside the U.S., see our list of sister company websites where you may buy travel insurance.
Where can I compare travel insurance plans and prices?
You can view the three Generali Global Assistance travel protection plans in a side-by-side comparison to easily see the different coverages, features and services. If you get a quote first, you can also compare plan prices.
How do I calculate trip costs when buying travel insurance?

You may insure any pre-paid, non-refundable trip costs. These are costs associated with your trip, that you paid before departing on your trip, and would be lost in the event of a trip cancellation. Take into account flights, cruises, accommodations, tours, entertainment and other trip costs that could be lost if you're prevented from taking your trip.

When buying a Generali travel insurance plan, you will be asked to enter the total trip cost for all travelers covered under the plan.

For example: A family that is taking a flight, staying in one hotel room and renting a car should include the total non-refundable cost for the hotel room and rental car, and the individual air ticket costs for each traveler, including children.

In order to qualify for coverage for pre-existing medical conditions or the Trip Cancellation for Any Reason add-on coverage (only available with the Premium plan), one of the requirements is that all prepaid trip costs that are subject to cancellation penalties or restrictions must be insured.

What do I enter if I'm using multiple travel suppliers of the same type?
On the purchase page we ask what travel suppliers you are using on your trip. If you are using multiple suppliers of the same type, such as an airline or tour company, select the one with the highest cost. This section will not affect the coverage or pricing of your plan.
Do I get a policy document when I purchase travel insurance?
A policy confirmation letter with your Description of Coverage/Policy will be sent to the email or mailing address you provided when you bought the plan, depending on which delivery method you chose.

Also see: How can I get another copy of my travel insurance plan documents?
Can I cancel my travel insurance plan after I've purchased it?

Generali Global Assistance proudly stands behind its products and services. That's why we offer a "free look" on all our travel protection plans. If you purchase a plan and are not satisfied, you have 10 days to contact us directly 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.

NOTE: The plan cost is non-refundable after the “free look” time frame allowed under the plan purchased.

What do I select if I am traveling to multiple destinations?
Select the destination where you will be spending the most time.
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).
When entering information to get a quote, should I enter travelers’ ages as they are now or when going on the trip?
Enter the travelers’ ages as they are at the time when you get the travel insurance quote.
Step-by-Step Buying Guide

Our Step-by-Step Guide for Buying Generali Travel Insurance answers some of the most common questions that travelers have about buying a Generali travel insurance plan online.

Want to know how to edit your trip details when getting a quote, or wondering what travel suppliers to enter on the purchase page? Check out the guide!

Can I buy an annual travel insurance plan?
We offer three plans that are designed to meet the needs of our travelers. While an annual travel insurance plan is something we are looking into offering in the future, it is not yet available at this time.


How can I create an account?

You can create a Generali Global Assistance travel insurance online account using your email address, Facebook, Twitter or Google logins. An account allows you to save personal information, like your address, so you don’t need to enter that information every time you purchase a plan. From your account, you can also access information about past travel insurance plans that you’ve purchased.

Tip: If you create an account after you buy a plan, use the same email address to create an account that you used to buy the plan. That will allow you to access the plan information in the Purchased Plans section of your account.

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 Medical and Dental coverage with access to Telemedicine services that connect travelers instantly with a network of physicians for information, advice, and treatment, including prescription medication, when appropriate and legally permitted. Telemedicine service is available during your domestic or international trip. Limitations may exist on the availability of prescription medication outside of the U.S.

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.

See details about all services that are available with our plans

Other services may be available depending on the plan you purchase; refer to Plan documents for details.
How do I access the services included with my plan?

If you need help from Concierge, Emergency Assistance, Telemedicine, 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.

Who do I call if I have an emergency while traveling?

Every Generali Global Assistance plan includes our 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.

How can I find definitions for terms used on this site?
It's important that you understand what is meant by certain words and phrases on this site and in the Description of Coverage/Policy, so you know what you really get with your travel insurance purchase. Definitions for key terms can be found at our Travel Insurance Definitions page.
How can I update a travel insurance plan that's already been purchased (name change, extra trip costs, travel dates, etc.)?

If you need to change something about a plan you have already purchased, such as adding coverage for extra trip costs, changing a name on the plan, or changing the travel dates, call our customer service representatives at 800-874-2442. They can help modify your plan any time before trip departure, as long as a loss has not yet occurred and the change is allowed. They are available to assist you 24/7.

Note: If you're signed into your Generali Global Assistance account, the name, address, phone and email from that account will auto-fill the form when you buy a plan. Before purchasing your plan, please verify all your information on the purchase page is correct.

Who can I contact if I have questions about travel insurance?
If you have any questions about our travel protection plans that are not answered in these FAQs, Customer Service Representatives are available at 800-874-2442 to assist you at anytime, 24/7.
What should I do if I'm having technical difficulties with your website?
If you encounter a problem when attempting to purchase a plan online you may call our customer service representatives at 800-874-2442. They can help you with your purchase.
How can I get another copy of my travel insurance plan documents?

If you have a Generali Global Assistance online account, you can access policy documents for plans you have purchased that are tied to that account. Otherwise, you can use our Retrieve Policy tool to find your Description of Coverage/Policy. You may also call our Customer Service Department at 800-874-2442, and a representative will help you get another copy.


When should I buy travel insurance for a storm?

If you buy travel insurance after a storm is named, your plan will not provide coverage for storm-related claims. See our Storm Coverage Alerts for more information.

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, and if you need to file a claim related to a storm, you will have bought the plan well before the storm was forecasted.

Generali travel insurance plans can be purchased up to 18 months before the trip departure date and up until the day prior to departure.

Can I cancel a future trip because of a current evacuation order at my destination?
A current evacuation order is not a covered reason to cancel your future trip. If the mandatory evacuation order is lifted before your scheduled arrival, the plan won’t provide coverage unless you experience another covered event that prevents you from traveling.
What if my personal home is damaged because of a storm?
The insurance plan can provide coverage if a storm makes your personal home uninhabitable and you can’t travel.
How does travel insurance cover travel disrupted by mandatory evacuations?

If you are evacuated during your trip due to adverse weather or a natural disaster, we encourage you to seek accommodations out of harm’s way—with the hope that you can return to your trip when the evacuation ends. Generali Global Assistance reimburses for certain out-of-pocket costs during the evacuation, such as hotel stays, meals and local transportation. The delay will have to be for the specified amount of time listed in your Plan Documents.

The plans include coverage for insured trip costs you can’t use when a mandatory evacuation is in effect as long as the loss for your trip occurs within the first 30* calendar days after the mandatory evacuation order is issued. You can qualify for reimbursement for the remaining portion of your trip if you have 50%* or less—or 4* days or less—of your reservation left when the evacuation order is lifted at your destination.

*Day and percentage requirements may vary by state. Review your Plan Documents for full details.

What if I can’t reach my destination or my accommodations are damaged because of a storm?

If your destination is evacuated due to adverse weather or a natural disaster, such as a hurricane, you can be reimbursed for your insured trip costs. The plans can only provide coverage for losses that occur for your trip within the first 30* calendar days after the initial mandatory evacuation order was issued. You qualify for a full cancellation if you have 50%* or less—or 4* days or less—of your trip remaining when the evacuation order is lifted, at your destination.

Plans include similar coverage if the accommodation at your destination is deemed uninhabitable.

You can also be covered if your flight is canceled or delayed because of adverse weather.

*Day and percentage requirements may vary by state. Review your Plan Documents 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.


How do I file a claim?

To start your claim, visit our eClaims portal and enter your policy number.

If you have questions, FAQs can be found at the eClaims portal, more guidance is available at our How to Start a Claim page or call our Claims Department at 800-541-3522.

Please note that your account login for eClaims is separate from your account login for this website.

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