Travel Updates:

Our plans provide coverage if you, a family member, or a traveling companion become ill with COVID-19 and plan requirements are met. See Coverages

OR

Problems happen with travel plans more often than you might think. One in six U.S. adults reported having to cancel, interrupt or delay their trip.¹ Travel insurance can help protect your vacation investment from certain unforeseen events that could upset your travel plans and cost you.

What's the worst that could happen?

COVID-19

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, you can be covered for Trip Cancellation, Trip Interruption, Travel Delay, Medical & Dental, and Emergency Assistance & Transportation, in addition to our 24/7 Emergency Assistance services.

Trip Cancellation

One of the most common reasons people consider travel insurance is the worry that they may have to cancel their trip and lose money they’ve already paid for it. Our plans cover expenses or losses for around 20 different types of events that could cause you to cancel your travel plans.    

Medical Emergency

Did you know medical evacuations by air ambulance can cost $50,000-$100,000? ²

Flight Delay

If your flight is cancelled or delayed, then it could cause a ripple effect. Travel insurance can help you recoup the costs associated with booking a new flight, your missed hotel stay and transportation to and from the airport in case of a covered event.

Baggage Loss

What's more frustrating than lost, delayed or damaged baggage when traveling? With one of our plans you can be reimbursed for the purchase of necessary items when your baggage is delayed for a specified amount of time. 

Premium

An enhanced travel insurance plan designed for more expensive travel, like cruises and tours. Get the highest available benefit limits. Coverage for Pre-Existing Medical Conditions is only available with this plan.

Trip Cancellation

100

%

trip cost insured

Trip Interruption

175

%

trip cost insured

Baggage Loss

$

2,000

per person

Medical & Dental

$

250,000

per person

Preferred

Our Preferred travel insurance plan includes the same coverages and assistance services as the Standard plan, plus specific coverages for Sporting Equipment. Great for ski, golf, hiking trips, international travel and more.

Trip Cancellation

100

%

trip cost insured

Trip Interruption

150

%

trip cost insured

Baggage Loss

$

1,500

per person

Medical & Dental

$

150,000

per person

Standard

This basic travel insurance plan has coverages for Trip Cancellation, Trip Interruption, Baggage, Medical & Dental Coverage, plus 24/7 assistance services. Ideal for travel within the US, including flights, road trips and vacation rentals.

Trip Cancellation

100

%

trip cost insured

Trip Interruption

125

%

trip cost insured

Baggage Loss

$

1,000

per person

Medical & Dental

$

50,000

per person

"Thanks for the help and prompt service. Travel in today's world can be very unpredictable and frustrating, so it's good to know that if you have travel problems and need to file a claim that it will be handled promptly and efficiently.

Peter G.

Lafayette, LA

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Can I be covered for a Pre-Existing Medical Condition?

If you purchase our Premium plan you can qualify for coverage for pre-existing medical conditions, as long as the travel protection plan is purchased prior to or within 24 hours of your final trip payment, you are medically able to travel at the time the plan is purchased, and all prepaid trip costs that are subject to cancellation penalties or restrictions have been insured.

At our Travel Insurance Definitions page, you can see how we define Pre-Existing Conditions or see a sample Description of Coverage/Policy for full details.

If I buy a travel insurance plan now, how can it help if COVID-19 affects my trip?

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, you can be covered for Trip Cancellation, Trip Interruption, Travel Delay, Medical & Dental, and Emergency Assistance & Transportation, in addition to our 24/7 Emergency Assistance services.

For your safety and the safety of others, travelers who believe they may have contracted the virus should call our 24/7 Emergency Assistance team who will coordinate local treatment on your behalf.

Read plan documents for coverage details.

How does travel insurance work?

If something happen during your trip and you need to use your travel insurance, you’ll need to file a claim to be reimbursed. We have a page that explains how to start a claim, a great resource for learning more about the claims process.

Let’s say your baggage is delayed* and you need to buy clothes and toiletries, you would submit a claim to seek reimbursement. Travel insurance comes in handy in scenarios like this.

Oftentimes, travel insurance is offered when buying a cruise, airfare or booking a vacation rental. We encourage customers to pay attention to the fine print when considering insurance provided by travel suppliers. For example, a cruise line’s travel insurance may not pay cash to cover a cancelled or interrupted cruise, but instead offers credit towards a future cruise. If you prefer cash reimbursement, that’s reason to consider purchasing directly from a travel insurance provider instead.

We recommend bringing a print out of your plan documents with you when traveling so if you are affected by a storm and lose power or can’t connect to the internet, you’ll still know what number to call and what instructions to follow.

* Baggage Delay coverage 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 benefits of travel insurance?

Generali Global Assistance offers a variety of plans and add-on coverages to help protect your trip. Our plans can help with a number of unexpected problems, including trip cancellations and interruptions; travel delays; lost, damaged and delayed baggage; and unexpected sickness, injury and medical evacuation. Additionally, our 24-Hour Emergency Services, Concierge and ID Theft Resolution services are included with our plans. These services round out our travel protection plans to provide real-time assistance when you need it on your trip.

In addition to providing added peace of mind, travel insurance can also help international travelers satisfy passport insurance requirements. Depending upon your country of residence and where you’re traveling to, you may be required to possess passport insurance for emergency hospital treatment and emergency medical evacuation before you’re permitted to enter your destination country or receive your visa. For instance, if you’re traveling to a Schengen country, our Standard, Preferred or Premium plans fulfill the Schengen visa insurance requirements.

See more coverage details

Sources:

1. U.S. Travel Insurance Association survey

2. Centers for Disease Control

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Travel insurance coverages are underwritten by: Generali U.S. Branch, New York, NY; NAIC # 11231, for the operating name used in certain states, and other important information about the Travel Insurance & Assistance Services Plan, please see Important Disclosures.