Medical Travel Protection Overview: A Guide to Medical Coverages and Services Included in Our Plans

Summary: From Telemedicine Services to 24/7 medical assistance to emergency transportation, see the full range of features included in our travel protection plans, in addition to Medical and Dental coverage, that help you with medical emergencies abroad.

Traveling opens the door to new experiences, but it can also come with unexpected challenges, especially when it comes to health. Whether it’s a minor illness, a dental emergency, or a serious medical situation, having the right travel protection in place is essential. Generali Global Assistance offers a suite of medical coverages and assistance services designed to work together seamlessly, to help travelers access care and support when they need it most.

This guide explores each aspect of our medical coverage and assistance offerings, explains how they work together, and provides real-world scenarios to show how these benefits can come into play during a trip.

Medical and Dental Coverage

When you’re far from home, finding and paying for medical care can be complicated. Our travel protection plans include coverage for eligible medical and dental expenses incurred during your trip. This benefit may help reduce the financial burden of unexpected health issues abroad.

How It Works:

Coverage for eligible medical and dental treatment during your trip.
Options for upfront payment to hospitals and providers in certain covered cases.
Excess coverage beyond what your primary health insurance offers.

Why It Matters: Many domestic health insurance plans offer limited or no coverage outside your home country. Having travel protection may help assist in connecting you to care without facing overwhelming out-of-pocket costs.

Related Resources:

I had a great experience with Generali Travel Insurance. My husband had to be hospitalized while traveling in Argentina. It was a very stressful situation. I called Generali and they guided me on what I had to do, they went over our policy with me to make sure I understood what was covered. Once we returned to the USA, I submitted the claim online – super easy! and in just one (1) week I received the reimbursement of our expenses. I was very impressed with their service. I highly recommend this trip insurance. I am definitely going to buy this insurance when I travel again.

Valeria G. from Florida

24/7 Emergency Medical Assistance

Medical emergencies don’t wait for business hours. That’s why our Assistance Team is available around the clock to help travelers navigate urgent health situations. From locating the nearest hospital to coordinating care, this service help provide critical support when every minute counts.

What We Provide:

Access to multilingual assistance specialists.
Help travelers return home.
Coordination with local providers and your insurance.
Connect travelers to medical resources.
Help find treatment facilities.
Help travelers navigate through often confusing international medical systems.

Why It Matters: In an unfamiliar country, language barriers and local healthcare systems can make emergencies even more stressful. Our team bridges that gap, to help you get the right care.

How you could use these services on a trip:

Lost Medication During a European Tour

While on a multi-city tour in Europe, you realize you've left your essential prescription medication at a previous hotel. A call to our assistance services team sets in motion the process of locating a pharmacy that can provide a replacement, coordinating with your home physician for prescription verification, and arranging for you to obtain the necessary medication promptly, allowing you to continue your journey with peace of mind.

Also Read: 10 Tips for Traveling With Medication: Prescriptions, Flying, Insurance and More

Related Resource:

Get Emergency Medical Assistance with Your Travel Insurance

Learn how our emergency assistance works, what situations it may cover, and how to access help anytime, anywhere.

Telemedicine Services

Not every health concern requires an in-person visit. Telemedicine Services offers a convenient way to consult with licensed doctors via phone or video, so you can get advice, even from your hotel room.

Benefits:

Access to American medical professionals without leaving your hotel room.
Guidance on whether you need in-person care.
Prescriptions when appropriate and available.

Why It Matters: Telemedicine Services helps save time and reduces unnecessary trips to clinics, especially for minor illnesses or questions about medication.

Related Resource:

How to Use Telemedicine Services

medics walking from ambulance to helicopter

Emergency Assistance and Transportation

When a medical issue requires specialized care, our Emergency Assistance and Transportation benefit helps arrange and cover eligible costs for ambulance, helicopter transport, or medical evacuation.

May include:

Ground ambulance to the nearest appropriate facility.
Air ambulance or medical evacuation when necessary.
Coordination with hospitals and family members.

Why It Matters: In remote areas or during life-threatening emergencies, access to the right medical care can make all the difference.

Pre-Existing Medical Conditions Coverage

Traveling with a pre-existing condition doesn’t have to mean traveling without travel protection. Our Premium Plan includes coverage for pre-existing medical conditions when certain requirements are met, so you can travel with confidence.

Related Resource:

How to Get Travel Protection for Your Pre-Existing Medical Condition

Learn more about how the feature works, see if your condition may qualify, and if the Premium Plan is right for you.

How It All Works Together: Real-World Examples

Here are some examples of how all the medical services and coverages work together

Scenario 1: Mild Illness Abroad

A traveler feels unwell and uses Telemedicine Services for an initial consultation. The doctor suggests an in-person visit. The traveler calls 24/7 Emergency Medical Assistance for help finding a nearby clinic. The visit reveals the issue is related to a pre-existing condition, but thanks to the Pre-Existing Condition coverage under our Premium Plan since the traveler met the requirements, eligible expenses are covered. Medical and Dental coverage helps pay for the covered doctor’s visit and medication.

Scenario 2: Serious Emergency

A traveler experiences chest pain that escalates into a heart attack. They’re taken by ambulance to the nearest hospital, an expense that can be covered by travel protection. 24/7 Emergency Medical Assistance helps coordinate care and make necessary arrangements. Medical and Dental coverage helps reimburse hospital costs.

Additional Resources for Travelers

Your Health Insurance and Travel Insurance: Why You Need Both When You Travel
Learn how your domestic health insurance may work overseas and why supplemental coverage is important.

Need to Go to the Hospital on a Trip Abroad? Here's What to Do
Understand what to expect when visiting a hospital in another country and how our assistance helps.

10 Tips for Traveling With Medication
Get advice on traveling with prescription medications and what to do if you need refills abroad.

Why Choose Generali Global Assistance?

Our travel protection plans combine Medical and Dental coverage with essential Assistance Services, helping give travelers access to care and support around the world. From Telemedicine Services to emergency evacuations, we’re here to help when it matters most.

Ready to Help Protect Your Next Trip?

Get a fast, free quote today and travel with confidence knowing you have access to Medical and Dental coverage and Assistance Services when you need it on your trip.