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Generali
Generali isn't specifically a travel insurance provider, but instead, a large insurance company offering various products.
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Pros
- Three plan options.
- The premium plan includes pre-existing medical condition coverage.
Cons
- Rental car coverage only on highest cost plan.
- Baggage delay benefits don't kick in until 24 hours on the Standard plan.
- Your state of residence may have different levels of coverage or even no coverage.
More travelers than ever are considering travel insurance, but navigating the vast sea of insurance companies and coverage options can leave you feeling less than enthused about your next trip.
If you want to protect your investment, Generali Global Assistance is a notable provider. Here’s what to expect and the plans the company offers.
Generali Global Assistance plans and costs
Generali offers three plans (Standard, Preferred or Premium), depending on what type of trip you’re planning. Each offers a different level of coverage and benefits.
| Coverage | Standard plan | Preferred plan | Premium plan |
|---|---|---|---|
| Trip cancellation | 100% of trip cost insured. | 100% of trip cost insured. | 100% of trip cost insured. |
| Trip interruption | 125% of trip cost insured. | 150% of trip cost insured. | 175% of trip cost insured. |
| Travel delay | $1,000 per person, $150 per person daily limit. | $1,000 per person, $200 per person daily limit. | $1,000 per person, $300 per person daily limit. |
| Baggage | $1,000 per person. | $1,500 per person. | $2,000 per person. |
| Sporting equipment | N/A. | $1,500 per person. | $2,000 per person. |
| Baggage delay | $200 per person. | $300 per person. | $500 per person. |
| Sporting equipment delay | N/A. | $300 per person. | $500 per person. |
| Missed connection | $500 per person. | $750 per person. | $1,000 per person. |
| Medical and dental, including telemedicine | $50,000 per person. | $150,000 per person ($500 emergency dental expense limit). | $250,000 per person. |
| Emergency assistance and transportation | $250,000 per person. | $500,000 per person. | $1 million per person. |
| Accidental death and dismemberment | Air flight accident: $50,000 per person/$100,000 per plan. |
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| Rental car damage | N/A. | N/A. | $25,000 per person/per plan. |
Generali plan cost
Here’s a closer look at what a standard coverage plan with Generali might cost. Let’s say you — a traveler in your 40s — are planning to take a roughly $2,000 trip from Illinois to Cancun, Mexico, for one week.
For this itinerary, a Generali Standard plan would cost $120. Rental car coverage isn’t included, but you can add it to your plan for $63 for the week.
The Preferred level of coverage can be a good option for those traveling with expensive gear like golf clubs or skis. For the same sample itinerary, a Generali Preferred plan would cost $131, an $11 upgrade from Standard. Rental car coverage is also extra.
The Premium plan is designed for luxury travel or vacations with a high price tag. Notably, this plan includes rental car insurance for no extra fee. Also important to note that only the Premium plan offers coverage for pre-existing medical conditions. A Generali Premium plan for our sample itinerary would cost $175, a $55 upgrade from Standard.
» Learn more: How to cancel a flight with travel insurance
Which Generali travel insurance plan is best for me?
It’s important to choose the right coverage for you and your trip based on your needs and what each plan covers. So make sure to look at each carefully.
- If you have pre-existing medical conditions, your best bet is the Premium plan. It’s more expensive, but you’ll be covered no matter what medical issues arise on your trip.
- The Standard plan is the only one with no coverage for accidental death and dismemberment during on-the-ground travel (air travel is covered, though).
- If you’re traveling with sports equipment, you may want to opt for one of the top two tiers of coverage. Just make sure to accurately estimate how much your gear is worth to ensure you’re getting the coverage you need.
- If your trip is worth more, you’re bringing more luggage, etc., consider more expensive coverage. That way, if something goes wrong, you, your possessions and plans are more fully protected.
- Every plan includes a “free look period” that allows you to cancel for a full refund. It’s based on your state’s restrictions, but most plans offer full refunds within 10 to 15 days from the purchase date.
» Learn more: The best travel credit cards right now
How to choose a Generali plan online
When it comes time to get a quote and choose your travel insurance plan, you can do so on the Generali website. Type in trip details like destination, where you’re from, your age, the total cost of the trip and your travel dates. Quotes for all three tiers of plans will be presented.
Then, select add-ons like rental car insurance if you’re not opting for the Premium plan and start the checkout process. Note that if you and your companions reside in different states, you’ll need to get separate policies.
What isn’t covered with Generali
Like many travel insurance policies, there are several incidents that aren’t covered by Generali travel insurance. Examples include injuries that result from mental disorders, pregnancy, injuries as a result of being under the influence of drugs or alcohol or if you are flying an aircraft yourself. “Civil disorder” or any act of war is excluded as well.
Destination matters, too. As of publication, you can’t get coverage for travel to:
- All destinations in the Middle East.
- Afghanistan.
- Belarus.
- Burkina Faso.
- Central African Republic.
- Crimea.
- Cuba.
- Democratic Republic of the Congo.
- Haiti.
- Iran.
- Iraq.
- Israel.
- Lebanon.
- Libya.
- Mali.
- Myanmar.
- Niger.
- North Korea.
- Russian Federation.
- Somalia.
- South Sudan.
- Sudan.
- Syria.
- Uganda.
- Ukraine.
- Venezuela.
- Yemen.
- The Zaporizhzhia, Kherson, Donetsk and Luhansk Peoples regions.
If you’re participating in extreme sports or activities like skydiving, mountain climbing or extreme skiing, many benefits won’t be covered.
No matter which policy you choose, read the fine print before you buy, including everything that’s excluded from coverage. That will help ensure there are no surprises if your trip goes awry.
Generali insurance, recapped
Generali provides three tiers of travel insurance for those who want to protect their nonrefundable trip expenses and/or who want to have a safety net in case their travels are disrupted or canceled.
Just like with any travel insurance policy, check to see if you’re already covered before you buy (many travel credit cards offer travel insurance), determine what kind of coverage you need and how much and always read the details of what is and isn't included in coverage. That goes for policies available from Generali Travel Insurance as well as other providers.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2026:
- Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
- No annual fee: Wells Fargo Autograph® Card
- Flat-rate travel rewards: Capital One Venture Rewards Credit Card
- Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
- Luxury perks: American Express Platinum Card®
- Business travelers: Ink Business Preferred® Credit Card
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