Top Reasons to Choose Our Premium Travel Protection Plan

Key Takeaways

• The Premium Plan offers higher limits and added flexibility compared to the Standard and Preferred Plans, including increased Trip Interruption benefits, shorter delay thresholds, and higher baggage protection.
• Travelers may qualify for coverage of Pre‑Existing Medical Conditions and can choose to add the Cancel for Any Reason upgrade if purchase requirements are met.
• The Premium Plan is designed to assist with Pre-Existing Conditions needs, supporting travelers who need additional resources.

 Travel plans can look similar at first glance, but the details often tell a different story. For travelers who want higher limits, more flexibility, and added peace of mind, our Premium Plan offers standout features.  This overview highlights the key benefits that make the Premium Plan a strong choice, both within our lineup and compared to many other plans available today.

1. Trip Interruption Coverage That Goes Further

The Premium Plan provides up to 175% of trip cost for interruptions—higher than our Preferred Plan (150%) and Standard Plan (125%). These enhanced limits are designed to help travelers recoup more of their investment when covered unexpected events cut a trip short or require last‑minute rebooking. With lower‑tier plans, travelers may face larger out‑of‑pocket expenses, especially for costly or complex itineraries. The Premium Plan offers more flexibility and added peace of mind when plans suddenly change.

2. Coverage for Pre-Existing Conditions

Unlike our Standard and Preferred Plans, the Premium Plan includes coverage for Pre-Existing medical conditions when purchased within 24 hours of final trip payment. This added protection helps travelers with ongoing or past health concerns feel more confident and better prepared.*

See if you qualify as having a Pre-Existing Medical Condition

3. Cancel for Any Reason Upgrade Option

The Premium Plan offers an optional Cancel for Any Reason upgrade, which may reimburse you for your trip up to 75% of the penalty amount for cancellations outside standard covered reasons. It’s designed for travelers who want maximum flexibility, whether plans shift due to changing preferences, evolving circumstances, or simply a change of heart. This upgrade is available if purchased within 24 hours of initial trip payment and other requirements are met**.

4. Emergency Assistance and Transportation Coverage

The Premium Plan includes Emergency Assistance and Transportation coverage up to $1,000,000 per person – a big boost compared to our Preferred (up to $500,000 per person) and Standard (up to $250,000 per person) Plans. These increased benefits are designed for trips that take you farther from home, , or simply demand greater peace of mind. Whether it’s an unexpected medical evacuation, repatriation of remains, or urgent travel assistance after an unforeseen event, the higher limits help you when the stakes are highest. Letting travelers focus on the journey, not the what‑ifs.

5. Travel Delay and Missed Connection Benefits

Delays happen and when they do, the Premium Plan may provide up to $1,000 per person ($300 daily limit applies) for covered travel delays and $1,000 for missed connections. If your flight is cancelled or delayed because of adverse weather for three hours or more and you miss your cruise or tour departure, Missed Connection coverage can help***. Our Preferred Plan begins at 8 hours, and Standard Plan at 10 hours. Some plans in the market require 12+ hours of delay before benefits apply and may cap reimbursement at lower amounts. This shorter threshold may help travelers access meals, lodging, and rebooking assistance sooner.

6. Baggage Protection That Helps Cover More

The Premium Plan includes $2,000 per person in Baggage coverage for covered loss, theft and damage, and $500 per person for Baggage Delay — a meaningful step up from our Preferred Plan ($1,500 per person for lost bags and $300 per person for delayed bags) and Standard Plan ($1,000 per person for lost bags and $200 per person for delayed bags). These higher limits may help travelers replace essential items quickly and provide peace of mind when luggage goes missing or arrives late. The Premium Plan delivers one of the most generous baggage benefits in our lineup, giving travelers added reassurance when the unexpected disrupts their journey.

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Trusted Provider with a Strong Reputation

Generali Global Assistance has over 30 years of experience in travel protection, and our Premium Plan is our most feature‑rich option, built for travelers who added peace of mind.

The Premium Plan brings together our highest coverage limits and most flexible features, including increased Trip Interruption benefits, coverage for Pre‑Existing Medical Conditions, shorter delay thresholds, and optional upgrades like Trip Cancellation For Any Reason.

It’s quick and easy to check the price for travel protection for your next trip.

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*Additional requirements apply and may vary by state
**Not Available to Residents of New York
***Missed Connection coverage vary by state. For CA, NY, and WA, the delay must be for 3 hours or more