Medical Travel Insurance
International travel can be expensive and having a lifeline can come in handy when you’re visiting another country. Thankfully, Generali's international travel insurance and assistance is designed to help protect your vacation investment so you can travel with more peace of mind.
About one in four Americans reported their travel plans during the previous year were impacted by unforeseen events that are often covered by travel insurance, including medical conditions, adverse weather or mechanical/carrier-caused problems.1
What could happen and how travel insurance can help
If you’re forced to cancel your trip, how much of that prepaid trip cost could you get back? Travel insurance can help you recoup losses for around 20 different types of events that could cause you to cancel your travel plans.
If your trip is interrupted due to something like a canceled flight or medical emergency, it could cause a ripple effect across the rest of your trip, and travel abroad can get pretty complex. In that case, trip insurance can help you get reimbursed for unused, non-refundable, pre-paid trip costs that weren't used and additional transportation costs to return home or rejoin your group.
Lost, Damaged or Delayed Baggage
When you're traveling, problems with baggage can really be a pain. With one of our plans you could be covered if your bag is lost, damaged or stolen, and we can help ease the pain by reimbursing you for the purchase of necessary items when your baggage is delayed for a specified amount of time.
Our international travel insurance plans can help you with a wide range of medical needs while you’re traveling. Whether it’s a case of simply needing to see a local doctor for prescription refill, a visit to the emergency room, or the rare need for medical evacuation by air ambulance, we’re there for you 24/7/365.
Top Five Frequently Asked Questions
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
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.