COVID-19

You are covered If you, a family member or a traveling companion are diagnosed with COVID-19 before or during your trip, and meet the requirements for coverage due to sickness.

Trip Cancellation

When you have coverage from Generali, you can be reimbursed for 20 different events that most frequently cause travelers to cancel their travel plans.

Trip Interruption

If you are already traveling and your flight is cancelled due to adverse weather or mechanical breakdown, or you have a medical emergency, we can help you to return home safely or rejoin your group.

Medical Emergency

If you are injured during your trip, travel insurance may cover your medical expenses, including an ambulance ride. Many health insurance plans do not cover international travel.

Insurance Coverages Underwritten by Generali U.S. Branch
Max per person
Max per plan up to 10 travelers
Trip Cancellation
100% per person
100% per plan
Provides reimbursement for unused, non-refundable, pre-paid trip costs if you are prevented from taking your trip due to a covered reason.
Trip Interruption
150% per person
150% per plan
Provides reimbursement for unused, non-refundable, pre-paid trip costs if your trip is interrupted due to a covered event. Also provides reimbursement for the additional transportation cost to return home or rejoin your group.
Travel Delay
$500 per person
$500 per plan
Provides reimbursement for reasonable expenses incurred such as accommodations, meals and local transportation if you are delayed 12 hours or more during your trip due to a covered reason. $100 per person, per day.
Baggage Coverage
$750 per person
$750 per plan
Provides coverage for loss, theft or damage to your baggage and covered personal effects during your covered trip.
Baggage Delay
$200 per person
$200 per plan
Provides reimbursement for the purchase of personal effects if your baggage is delayed for 24 hours or more during your covered trip.
Medical and Dental
$50,000 per person
$50,000 per plan
Provides coverage for the necessary medical, surgical and emergency dental care costs if you become sick or accidentally injured while on your covered trip. Coverage is in excess of your standard coverage, except where prohibited.
Emergency Assistance & Transportation
$25,000 per person
$25,000 per plan
Benefits include transportation to the nearest suitable medical facility, help to return home if medically necessary and expenses for a companion to visit you if you are traveling alone and are hospitalized for more than 7 days.
Accidental Death & Dismemberment
Air Flight Accident
$50,000 per person
$50,000 per plan
Provides coverage if you are injured by an Air Flight Accident, which occurs while you are on a trip, and you suffer the loss of life or limb within 365 days of the Air Flight Accident.
Rental Car Damage (optional)
$35,000 per person
$35,000 per plan
Provides primary coverage if your rental car is damaged due to collision, fire, flood, theft, vandalism, windstorm or hail. Not available to residents of Texas.
ServicesProvided by Generali's designated provider
24-Hour Emergency Assistance Services
Included
Included
These services offer on-the-spot and immediate assistance for unexpected problems that can arise during your trip. The hotline operates 24/7 for help anytime, any place while traveling.
Concierge Services
Included
Included
Get pre-trip assistance, and help scheduling golf tee times, making restaurant, airline and rental car reservations, and ticketing for entertainment and other special events.

FAQs

   
What is travel insurance and what does it cover?

Travel insurance helps protect you from certain unexpected and potentially costly events that can occur before or during your trip. Ultimately, it’s meant to help you travel with more peace of mind so you can worry less and focus on enjoying your time.

Unlike auto insurance, travel insurance coverage is elective, which means it’s up to you to decide if you want it. One of the most common reasons people consider travel insurance is to help protect the money that they’ve spent on their vacation. If you must cancel or interrupt your trip, there are often cancellation penalties tied to the travel arrangements that you’ve made and those cancellation penalties tend to get more severe as the departure date gets closer. You may only get a portion of your trip cost back if you have to cancel your plans—or none at all.

Insurance coverage for Trip Cancellation can reimburse you for unused, non-refundable, prepaid trip costs if you need to cancel your trip for a covered reason, such as sickness, job loss, flight cancellation due to adverse weather and more. Similarly, insurance coverage for Trip Interruption can recoup your trip costs if you’re unable to continue your trip because of a covered reason—our plans also provide reimbursement for additional transportation costs to help you return home or rejoin your group.

Travel insurance provides coverage for other unexpected, out-of-pocket costs as well, such as meals and overnight lodging if your travel is delayed*, clothing and personal items if your baggage is delayed* and medical expenses if you get sick or injured during your trip. Plans also provide insurance coverage for your bags and personal effects during your trip and some offerings help protect your sporting equipment while traveling, along with a variety of other available coverages. We recommend comparing our plans and choosing the option that best suits you and your trip.

*Travel Delay and Baggage Delay coverages can only be claimed if the delay lasts for the amount of time specified in the Schedule of Benefits

   
When is the best time to get travel insurance?

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.

   
What are the requirements for coverage due to sickness?

In order to qualify for coverage due to sickness, including COVID-19:

You, a Traveling Companion or your Service Animal get Sick after you purchase your plan, must seek the in person treatment of a Physician and can’t travel according to a physician. Or a non-traveling Family Member is hospitalized after you purchase your plan and you are unable to make the trip.

Important Note: Your or your traveling companion’s sickness must first occur after you purchase your plan in order to have coverage. Pre-existing medical conditions are generally excluded from coverage. However, coverage is available with the Premium plan if you purchased your plan prior to or within 24 hours of making Final Payment for your trip, provided other requirements are also met. Review a Description of Coverage/Policy for full details.

   
If my trip is delayed past the original return date, does my travel insurance coverage extend as well?

Yes. All travel insurance coverages will be extended if your entire trip is covered by the plan and your return is delayed by unavoidable circumstances beyond your control. If coverage is extended, coverage will end either on the date you reach your originally scheduled return destination or seven days after your scheduled return date, whichever comes first.

 

   
I’ve paid for some of my trip, but not all of it. Can I still buy travel insurance?

Yes, you can actually buy Generali travel insurance before you make any trip payments.

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.