Top Things to Look for When Choosing Your Travel Protection Company

Summary: Before you buy, learn what to look for in a travel protection provider. This guide will help you understand the importance of a of choosing a reputable company a trusted legacy, the benefits you need, and 24/7 assistance services.

Choosing a provider for travel insurance and assistance services isn’t just about checking boxes—it’s about finding a partner you can trust to support you when the unexpected happens. While many providers may seem similar on the surface, there are key differences that may significantly impact your experience.

Here’s what to look for in a travel protection company—and how Generali Global Assistance stands out.

The Underwriter

The underwriter is the financial institution responsible for backing the insurance policies and paying out covered claims. You can usually find the underwriter’s name in the fine print on an insurer’s website or in plan documents. Underwriter ratings can be verified by services such as AM Best.

Generali Global Assistance is underwritten by Generali U.S. Branch, the U.S. division of the Generali Group. Generali Group has more than 190 years of history and is widely recognized for its long‑standing reliability.

Legacy and Longevity Matter

 When choosing a travel protection provider, longevity and reputation matter. Generali Global Assistance isn’t a startup or a pop-up brand—it’s a trusted name with deep roots.

Originally founded as CSA Travel Protection in 1991, the company rebranded to Generali Global Assistance in 2017 to align with its parent company, Europ Assistance, and the Generali Group, one of the largest insurance organizations in the world.

With over 60 years of travel protection experience and nearly two centuries of global insurance knowledge through Generali Group (established in 1831), we bring stability, reliability, and innovation to every policy we offer.

With 24/7 assistance service partners worldwide, Generali Global Assistance combines local service with international reach. We’re trusted by millions of travelers annually, and our legacy is built on consistency, care, and proven performance.

Why it matters: A company with decades of experience and global infrastructure is equipped to help during complex travel scenarios and provide dependable support—before, during, and after your trip. And, a company that has stood the test of time brings not only proven reliability, but also the confidence that it will be there when you need it most.

Licensing

Generali Global Assistance is licensed to operate in all 50 states, making it a dependable choice for travelers nationwide. Licensing information is available on our website.

Travel Assistance

Emergencies don’t follow schedules. That’s why Generali Global Assistance offers 24/7 global travel assistance with every plan. Whether you need help with medical referrals, lost passports, or even dinner reservations, our multilingual team is ready to assist.  As part of the Europ Assistance network, we have access to an extensive global provider network that supports travelers worldwide.

Pre-Existing Condition Coverage

Many travelers are surprised to find that pre-existing medical conditions may not be covered unless specific conditions are met. Generali Global Assistance can cover pre-existing conditions at no extra cost if you buy our Premium Plan prior to or within 24 hours of your final trip payment, you’re medically able to travel, you insure 100% of your prepaid, insurable trip costs and if all qualifying conditions are met

You can take a  quick quiz to understand if your condition qualifies as pre-existing and if it may be covered by our Premium Plan.

Reimbursed vs. Up-Front Medical Expenses

In some countries, travelers must pay for medical care up-front. Our plans may include direct billing arrangements with medical providers in certain covered situations.

Sample Plans

Travel protection plan specifics can vary by state. We makes it easy to download sample plan documents specific to your state from our website, so you can review your coverage options before purchasing.

Free-Look Period

Every plan from Generali Global Assistance includes a Free Look Period, allowing you to cancel your plan for a full refund if it doesn’t meet your needs. This gives you time to review your coverage with confidence. Keep in mind, you can only cancel your plan within the free look period as long as you have not filed a claim, or left on your trip.

Cancel For Any Reason (CFAR) Coverage

CFAR coverage provides the option to cancel your trip for any reason and potentially receive partial reimbursement, as long as all plan requirements are met. Generali Global Assistance’s Premium Plan offers this CFAR as an optional add-on, providing up to 75% reimbursement of cancellation penalties. See full details and how to qualify. Coverage not available to residents of New York.

Coverage for Crisis Situations

Global events can occasionally affect travel plans, and it’s important for travelers to understand how their coverage may apply. Generali’s plans include coverage for COVID‑19 illness if all plan requirements are met. Other crisis situations, such as severe weather or unexpected events at a destination, may be covered only when they meet the specific conditions outlined in the plan. Travelers are encouraged to review their policy documents carefully to understand what is covered and under what circumstances.

Additional Benefits

Some travel protection providers offer features that others don’t. Find the plans that have features that meet your needs. For example, we offer Telemedicine Services with access to over 4,000 certified U.S. providers, and Identity Theft Resolution Services during and after your trip.

Final Thoughts

Generali Global Assistance believes that informed consumers make the best decisions. We encourage you to read our articles and Plan Documents, and ask questions. With decades of experience and a commitment to transparency, we’re confident you’ll find Generali Global Assistance to be a trusted partner for your travels.

Ready to travel with confidence? Get a quote today and explore our plans.

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