Surprising Travel Insurance Coverages and Features
There’s a lot that comes with a travel protection plan. Our Premium plan provides 13 types of travel insurance coverages, there are about 20 covered reasons for Trip Cancellation and Trip Interruption claims, plus 12 types of Emergency Assistance Services and another 14 kinds of Concierge Service available 24/7.
With that in mind, and in the interest of making travel insurance easier to understand, here are some things you might not even know are in a travel insurance plan, and what they mean:
The first thing to get squared away is who’s going bankrupt. There’s no coverage if you go bankrupt and have to cancel your trip. On the other hand, if your common carrier is delayed or cancelled due to the financial insolvency of your travel supplier and you bought a Generali Preferred or Premium plan, you may have coverage. See more details
Incidentally, this coverage may also be available if you’re on your trip and experience the same scenario– real peace of mind if you’re in the Gobi desert and need to catch the next camel home.
You can get $25,000 in coverage for your rental car through Generali. Rental Car Damage coverage is included with the Premium plan or you can buy it as an add-on with the Standard and Preferred plans.
This insurance coverage helps protect you if your rental car gets damaged through collision, theft, vandalism, natural disasters or any other cause beyond your control while you’re on your trip.
If you’re renting a car and don’t want a claim to impact your current auto policy, it’s a good choice. Unless you’re from Texas, where car rental coverage is not available with your plan.
Also read: Why Road Trip Travel Insurance Makes Sense
Death is a covered reason for cancelling or interrupting a trip, so if you die before you go on vacation or while you’re on vacation, your beneficiary can be reimbursed for whatever prepaid expenses you didn’t expend – a load off your mind, no doubt.
Also, Accidental Death and Dismemberment – Air Flight Accident coverage kicks in if you’re killed in a plane crash during your trip, in addition to Accidental Death and Dismemberment – Travel Accident if you’re killed in another type of travel accident during your trip.
Another part of this coverage you might find surprising: You can get reimbursed the same amount under the policy if you lose a hand and an eye instead of getting killed outright.
Baggage coverage can provide reimbursement if you lose jewelry in your luggage that’s lost, damaged, or stolen, but it’s important to understand the limitations of this coverage.
You can be reimbursed if you have receipts for the jewelry; even then, you can only be reimbursed up to the Baggage benefit limit.
In other words, if you have a $10,000 ring in your Baggage and a $500 Baggage limit, the most you can be reimbursed for is $500 – regardless of whether you have receipts.
Pets and Service Animals
Your Generali policy has a handful of benefits for pets through its travel assistance and concierge services.
For instance, through its Pet Services Locator Generali can help a traveling pet find services like veterinarians and pet sitters. If you experience a covered travel delay that requires extra kennel time for your pet, you can be reimbursed for the extra cost.
If you’re traveling with a service animal, our Trip Cancellation and Trip Interruption coverages include service animals in the case of sickness, injury or death. Otherwise, pet illnesses are not covered reasons for cancelling or interrupting a trip.
If you booked a trip with frequent-flyer miles, good news: You can be reimbursed for the cost to reinstate the miles to your account if you have to cancel your trip for a covered reason.
Just a couple caveats: You can only be reimbursed for trip cancellation – not trip interruption or other coverages. And you can only be reimbursed for miles that are actually used to pay for a flight, not hotels or other travel expenses.
With a travel insurance plan, you have help and coverage for many nightmare travel scenarios, including a lost passport. There are a few ways we can help.
With a Generali plan, you can be reimbursed for expenses associated with rescheduling your travel while waiting for your passport replacement and even be reimbursed for fees related to getting a new passport.
We also give you 24-Hour Emergency Assistance Services that include help to locate or replace lost or stolen items and connecting you with the U.S. Embassy or Consulate in the area you are visiting. Plus, you get Identity Theft Resolution services, so you can have peace of mind in the event your passport goes missing during travel.
Here are some other aspects of your plan you might not be aware of:
10-Day Free Look
You have 10 days from the day you buy the insurance plan (less, if your departure date is fewer than 10 days away) to decide if you want to keep the coverage. If not – and if you haven’t filed any claims or left on your trip – you can get your money back. If you live in Indiana, you’re in luck, the free look period gives you 30 days to decide if your plan is right for you.
With our travel protection we include a service designed to help our policyholders if their identity is compromised during their vacation. It includes services such as help contacting creditors to notify them about fraudulent activity and request to cancel affected cards and issue new ones.
You’ll not only have access to this travel assistance service while on vacation, but also after your trip, since often times travelers don’t notice the theft until they arrive home. ID Theft Resolution Service is automatically included for a full 180 days starting on the scheduled departure date.
What other surprising benefits are there in your travel insurance plan? You’ll just have to read a sample Description of Coverage/policy to find out or you can read our simplified list of coverage details.