Generali travel insurance reviews highlight a well-known player in the travel insurance space, provides trip coverage with no age limits and few exceptions regarding pre-existing conditions. Let’s take a look at all they have to offer.
If you’re planning a trip within the U.S. or worldwide, you need to purchase a travel insurance policy. Not only do policies cover lost trip costs, but they extend medical coverage while you’re out of the country, something many insurers, including Medicare, do not do. With so many available, you might be wondering, “What is the best travel insurance for seniors?” and “Why is travel insurance important?” Well, our Generali Travel Insurance review has the answers!
Generali Travel Insurance Pros and Cons
We’ve done a deep dive into the plans offered by Generali Travel Insurance and have gathered all the pros and cons of their policies. Their extensive policy coverage includes concierge and identity theft resolution services. However, there are a few downsides, including the requirement to purchase the highest-tier policy to take full advantage of their coverage options.
At this time, General does not offer annual plans for multi-trip coverage. Instead, you must purchase single-trip coverage for each journey.
Pros
- 3 Policy tiers are available
- Up to $250,000 in medical and dental coverage
- Up to $10,000 companion fees for medical care
- Telemedicine available
- Pre-existing conditions accepted with the Premium plan
- Accidental death and dismemberment coverage
- Trip cancellation, interruption, or delay coverage
Cons
- Standard and Preferred policies don’t include some coverage options
- No specialized senior plans
- Only 10-30 days to cancel policy after purchase
- No annual plans
Generali Travel Insurance Reviews: Features and Benefits
Generali Travel Insurance sets itself apart from others with its three-tier approach to policies. Whether you are looking for simple coverage for a short, inexpensive trip or you want full, all-around coverage for a pricey worldwide trek, they’ve got you covered.
While some features are only available with higher-tier plans, all policyholders receive medical and dental coverage, emergency assistance, telemedicine, accidental death and dismemberment benefits, and more.
3 Policy tiers are available
Up to $250,000 in medical and dental coverage
Up to $10,000 companion fees for medical care
Telemedicine available
Pre-existing conditions accepted with the Premium plan
Accidental death and dismemberment coverage
Trip cancellation, interruption, or delay coverage
Add-on to cover rental car damage
Add-on to Cancel-any-reason
Missed connections coverage
Baggage loss and delay coverage
Sporting equipment loss and delay coverage
No age restrictions
24/7 live customer service and support
Online claims portal
Identity theft resolution services
Concierge services
Generali Travel Insurance Reviews: Editorial Rating
Trusted Company Reviews Rating Score for Generali Travel Insurance: 9.1/10
Earning an impressive 9.1/10, the Generali Travel Insurance Company was an easy addition to our list of the Top Travel Insurance Companies for Seniors. The affordability of their international plans put them over the top! With several tiers available, all more affordable than many others we’ve reviewed, you can easily add coverage to your travel budget.
When choosing your plan tier, watch for pre-existing coverage options that may not be available in the lowest tier plan.
Generali Travel Insurance | |
Most Affordable Travel Insurance for Seniors | |
Policy Cost | $-$$ |
Medical Coverage | Yes |
Telemedicine | Yes |
Pre-Existing Conditions | Yes |
Age Restrictions | X |
Specialized Plans for Seniors | X |
Trip Cancellation | Yes |
Trip Delay | Yes |
Trip Interruption | Yes |
Trip Inconvenience | Yes |
Missed Connections | Yes |
Baggage Loss/Delay | Yes |
Concierge Services | Yes |
Identity Theft Protection | Yes |
Customer Reviews | 3.6/5 |
TCR Score | 9.1/10 |
About Generali Travel Insurance
Generali Travel Insurance provides substantial coverage, especially if you purchase the premium plan. Furthermore, if you’re staying in an Airbnb or VRBO rental, you’ll find that Generali is well-versed in your coverage needs as they have partnered with both organizations.
Coverage Area
When traveling under a Generali Travel Insurance policy, you must ensure that you stay within their coverage area. This includes the United States and most countries worldwide. However, some exclusions apply, including:
Afghanistan
Bangladesh
Belarus
Burkina Faso
Central African Republic
Cuba
Haiti
Iran
Iraq
Israel
Lebanon
Libya
Mali
Myanmar
North Korea
Somalia
South Sudan
Sudan
Syria
Ukraine
Venezuela
Yemen
Russian Federation
Crimea
Zaporizhzhia
Kherson
Donetsk
Luhansk People’s regions
Plans and Coverages
Generali’s policy options include three tiers. Something to note is that the Premium option is the only one that provides coverage of pre-existing conditions, and they exclude quite a few options from the Standard tier. Furthermore, coverage levels, such as the amount of reimbursement for baggage loss, differ significantly depending on the tier you choose.
Fortunately, all three tiers provide services such as telemedicine, 24-hour travel assistance, concierge services, and identity theft resolution assistance.
Generali Travel Insurance Coverage | |||
Sample Cost (2 travelers to Australia for 2 weeks on a $20,000 trip) | $4,369 | $2,509 | $2,163 |
Coverage Type | Premium | Preferred | Standard |
Trip Cancellation | 100% | 100% | 100% |
Trip Interruption | 175% | 150% | 125% |
Travel Delay | $1,000 per person | $1,000 per person | $1,000 per person |
Baggage Loss | $2,000 per person | $1,500 per person | $1,000 per person |
Baggage Delay | $500 per person | $300 per person | $200 per person |
Sporting Equipment Loss | $2,000 per person | $1,500 per person | X |
Sporting Equipment Delay | $500 per person | $300 per person | X |
Missed Connection | $1,000 per person | $750 per person | $500 per person |
Medical and Dental Coverage | $250,000 per person | $150,000 per person | $50,000 per person |
Emergency Assistance and Transportation | $1,000,000 per person | $500,000 per person | $250,000 per person |
Accidental Death and Dismemberment (Air Flight) | $100,000 per person | $75,000 per person | $50,000 per person |
Accidental Death and Dismemberment (Trip) | $50,000 per person | $25,000 per person | X |
Pre-Existing Medical Conditions Included | Yes | X | X |
Financial Insolvency Coverage | Yes | Yes | X |
24-Hour Travel Assistance | Yes | Yes | Yes |
Telemedicine Services | Yes | Yes | Yes |
Concierge Services | Yes | Yes | Yes |
Identity Theft Resolution | Yes | Yes | Yes |
Cost
A quote for two senior adult travelers going to Australia for 2 weeks on a $20,000 trip generated costs ranging from $2,163 to $4,369. Several different aspects of your travel dictate the cost of your policy, including:
Cost of trip
Number of travelers
Age of travelers
Length of trip
Trip location
When requesting a quote from Generali, you’ll find that the trip cost is a significant factor in policy pricing. Additionally, if your trip is over $30,000, you’ll need to call for pricing, as the online service cannot provide a quote.
Generali Travel Insurance Reviews
Generali has a Trustpilot score of 3.6/5 stars, with 53% of consumers giving a full 5-star rating.
Many consumers expressed relief to have Generali’s travel policy when issues arose and were pleased with the speed at which Generali reimbursed them.
Displeasure was expressed over the 10-30 day cancellation policy (depending on your state of residence) and the level of documentation required to prove illness and receive reimbursement.
Generali Travel Insurance Alternatives
Our Generali travel insurance review showcases one of the best travel insurance companies available. However, everybody's travel and protection needs are different. Our top pick, Faye Travel Insurance, and others also offer excellent benefits and are well worth considering. Check out these other travel insurance reviews.
Additionally, consider checking out our best personal loan providers to help fund your adventures.
Frequently Asked Questions
Source
Logo image source: generalitravelinsurance.com
About Author
Tammy McKinney, RN
Tammy McKinney, RN, is a seasoned registered nurse and accomplished healthcare and personal finance writer. With a background in acute care, long-term care, and hospice & palliative care, Tammy combines her medical expertise with her passion for writing to educate and inform the public on various health and finance-related topics.