Generali Travel Insurance FAQs

The Trip Cancellation coverage included with your plan goes into effect the day after you purchase travel protection at 12:01 a.m. On your scheduled departure date, once you begin your trip, you can no longer file a claim for Trip Cancellation.

As soon as you depart, the other coverages in your plan become effective, including Medical and Dental, Trip Interruption, Travel Delay, Emergency Assistance and Transportation, Baggage and more. Those coverages end as soon as one of these occurs: You return from your trip, the trip is completed, your scheduled return date arrives (unless you qualify for extension of coverage), or your arrival at the destination on a one-way trip.

A variety of Travel Services are included with your plan. Concierge Services are available to use as soon as you purchase your plan and end when you return. 24/7 Travel Assistance Services can be used during your trip. ID Theft Resolution Services are also available for a full 180 days starting on the scheduled departure date.

Yes. All of our travel protection plans include Trip Cancellation coverage that reimburses your trip costs if you cancel for a covered reason. One of those reasons is a traveling or non-traveling family member being hospitalized or passing away due to an illness or injury and you are unable to take your trip. The hospitalization or death must occur while your travel insurance coverage is in effect.

It’s very important that you understand who is considered a “family member” when you buy travel insurance with this in mind. See our definition of Family Member for more details.

Pro tip: The death of a family member is also a covered reason for our Trip Interruption benefit, in case trouble strikes back home during your trip.

Generali Global Assistance offers a variety of travel insurance coverages and services 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 24/7 Travel Assistance, 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.

See more coverage details

If you discover bedbugs while staying at your accommodations, we suggest you inform your host and seek remedy from them. If you require medical treatment as a result of bedbugs during your trip, that may be covered by the Medical and Dental coverage that is part of our travel protection plans.

Also see: A Traveler's Guide to Dealing with Bedbugs

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.

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 Plan Documents for full details.

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 Plan Documents for full details.

Also see: Do I have to have symptoms and see a doctor to qualify for COVID-19 sickness coverage?

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.

Read more about how travel insurance works

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

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.

All travel protection plans available from this website include a combination of:

• Travel Insurance and
• Travel Assistance Services,

which together help give you aid and comfort during your travels.

For example:

• our Travel Insurance can reimburse you for medical costs if you fall and twist your ankle;
• while the 24/7 Travel Assistance included with the plan can help you find the closest doctor or help with translation.

OR

• our Travel Insurance can reimburse for travel delay or travel interruption;
• while the 24/7 Travel Assistance Services included with the plan can help you find new flights home.

The price of your Travel Protection Plan includes the travel insurance premium and the cost of the Travel Assistance Services. A detailed price breakdown of the insurance and assistance services is available by phone or email.

Yes, Monkeypox is treated like any other illness and can be covered by Generali travel insurance.

Recently, an outbreak of Monkeypox has spread across several countries that don’t normally report monkeypox, including the United States. Monkeypox symptoms include fever, muscle aches, chills, swollen lymph glands and “a rash that can look like pimples or blisters that appears on the face, inside the mouth, and on other parts of the body” according to the Centers for Disease Control. The virus spreads through close contact with someone who has Monkeypox.

If you, a family member or a traveling companion are diagnosed with Monkeypox 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. You can also be covered for additional lodging expenses and extension of your travel insurance plan if you are required to isolate at your destination and your return is delayed.

For your safety and the safety of others, insured 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.

Rental Car Damage coverage is included with the Premium plan and is available as an optional add-on coverage with the Standard and Preferred plans. It provides coverage if your rental car is damaged from collision, theft, vandalism, natural disasters or any other cause beyond your control. Coverage is provided for either the cost of repairs and rental charges charged by the rental company while the vehicle is being repaired or the Actual Cash Value of the car, whichever is less.

Note: Trucks, trailers, motorcycles and other vehicles are not eligible for coverage. Review your Description of Coverage/Policy for a full list of excluded vehicles.

This coverage is not available to residents of Texas.

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

See more coverage details

Trip Cancellation for Any Reason coverage is available as an optional upgrade to our Premium plan. This coverage reimburses you up to 60% of the penalty amount for your trip when you cancel for any reason. These requirements must be met in order to qualify for Trip Cancellation for Any Reason coverage:

• The travel insurance plan is purchased within 24 hours of initial deposit for your trip
• You are not disabled from travel at the time you purchase the plan
• You have insured 100% of all arrangements that are subject to cancellation penalties or restrictions
• You cancel your trip 48 hours or more prior to the scheduled departure date
• The trip cost per person is no more than $10,000
• All insured travelers cancel the trip

Generali travel insurance plans can be purchased up to 18 months before the trip departure date and up until the day prior to departure.

Also see: When is the best time to get travel insurance?

We are a full-service travel insurance and assistance provider. Formerly doing business as CSA Travel Protection, our customers will receive the same quality plans and outstanding customer service they have come to expect from us over the past 25 years, now backed by one of the largest insurance companies in the world. Our plans are built on the diverse needs of today’s travelers, designed to help you travel smarter.

Generali Global Assistance is part of the multinational Generali Group, which for more than 185 years has built a presence in 60 countries with over 76,000 employees. We pride ourselves on delivering a simpler, smarter approach to insuring and servicing millions of customers each year.
Read more about us

Try our Trip Cost Calculator to help get an accurate travel insurance quote

You may insure any pre-paid, non-refundable trip costs. These are costs associated with your trip, that you paid before departing on your trip, and would be lost in the event of a trip cancellation. Take into account flights, cruises, accommodations, tours, entertainment and other trip costs that could be lost if you're prevented from taking your trip.

When buying a Generali travel insurance plan, you will be asked to enter the total trip cost for all travelers covered under the plan.

For example: A family that is taking a flight, staying in one hotel room and renting a car should include the total non-refundable cost for the hotel room and rental car, and the individual air ticket costs for each traveler, including children.

In order to qualify for coverage for pre-existing medical conditions or the Trip Cancellation for Any Reason add-on coverage (only available with the Premium plan), one of the requirements is that all prepaid trip costs that are subject to cancellation penalties or restrictions must be insured.

Yes. If you received a voucher or credit from a travel company based on previous payment for a booking that is being transferred to a new trip, the new trip can be covered by one of our travel protection plans.

Learn more

Generali Global Assistance proudly stands behind its products and services. That's why we offer a "free look" on all our travel protection plans. If you purchase a plan and are not satisfied, you have 10 days to contact us directly to indicate your desire to cancel (residents of Indiana may cancel within 30 days of purchase). If you haven't already left on your trip or filed a claim, you will receive a complete refund of your plan cost.

NOTE: The plan cost is non-refundable after the “free look” time frame allowed under the plan purchased.

Our Step-by-Step Guide for Buying Generali Travel Insurance answers some of the most common questions that travelers have about buying a Generali travel insurance plan online.

Want to know how to edit your trip details when getting a quote, or wondering what travel suppliers to enter on the purchase page? Check out the guide!

Travel protection plans from Generali Global Assistance include various coverages and services that can help you when your passport is stolen, lost, or damaged. Our plans do not offer benefits in case you experience delays in receiving your passport in time for your trip.

If your passport is stolen before your trip begins, and you report the theft, Trip Cancellation coverage can reimburse your insured trip costs.

If your passport is stolen during your trip, Trip Interruption coverage can reimburse you for expenses associated with rescheduling your travel while waiting for your passport replacement. Also, if your passport is lost or stolen, you can use Travel Delay coverage to be reimbursed for reasonable expenses during the delay, like accommodations and food.

Baggage coverage can even cover fees related to getting a new passport if the old one is lost, stolen or damaged during your trip.

All plans come with those coverages, plus 24/7 Travel Assistance Services, which includes assistance locating or replacing lost or stolen items and connecting you with the U.S. Embassy or Consulate in the area you are visiting. Identity Theft Resolution Services are also included and can help in the event your passport is stolen.

Every Generali Global Assistance plan includes our acclaimed 24-Hour Emergency Assistance Services, for immediate aid accessible from anywhere in the world. If you need emergency help for an available service, you can call 877-243-4135 toll-free 24 hours a day from within the United States, or call collect to 240-330-1529 from around the world. If you cannot call collect from your location, dial direct and give the assistance provider your telephone number and location and they will call you back. When calling, you should have available your policy number and plan code, your location, a local telephone number, and details of the situation. In the event of a life-threatening emergency, please first call the local emergency authorities to receive immediate assistance and then contact the assistance provider.

You can create a Generali Global Assistance travel insurance online account using your email address, Facebook, Twitter or Google logins. An account allows you to save personal information, like your address, so you don’t need to enter that information every time you purchase a plan. From your account, you can also access information about past travel insurance plans that you’ve purchased.

Tip: If you create an account after you buy a plan, use the same email address to create an account that you used to buy the plan. That will allow you to access the plan information in the Purchased Plans section of your account.

If you need to change something about a plan you have already purchased, such as adding coverage for extra trip costs, changing a name on the plan, or changing the travel dates, call our customer service representatives at 800-874-2442. They can help modify your plan any time before trip departure, as long as a loss has not yet occurred and the change is allowed. They are available to assist you 24/7.

Note: If you're signed into your Generali Global Assistance account, the name, address, phone and email from that account will auto-fill the form when you buy a plan. Before purchasing your plan, please verify all your information on the purchase page is correct.

If you have a Generali Global Assistance online account, you can access policy documents for plans you have purchased that are tied to that account. Otherwise, you can use our Retrieve Policy tool to find your Description of Coverage/Policy. You may also call our Customer Service Department at 800-874-2442, and a representative will help you get another copy.

If you need help from Concierge, Emergency Assistance, Telemedicine, or Identity Theft Resolution services included with your travel protection plan, you can call 877-243-4135 toll-free 24 hours a day from within the United States, or call 240-330-1529 collect from around the world.

You are eligible to use Concierge Services at any time after you purchase a Generali Global Assistance plan, there are even pre-trip services available before you travel. The Emergency Assistance Services become available when you actually start your trip. Emergency Assistance and Concierge Services end the earliest of: midnight on the day the plan expires; when you reach your return destination; or when you complete your trip.

Our plans include Medical and Dental coverage with access to Telemedicine services that connect travelers instantly with a network of physicians for information, advice, and treatment, including prescription medication, when appropriate and legally permitted. Telemedicine service is available during your domestic or international trip. Limitations may exist on the availability of prescription medication outside of the U.S.

Identity Theft Resolution Services are automatically included for a full 180 days starting on the traveler’s scheduled departure date. *Identity Theft Resolution does not include assistance for thefts involving non-U.S. bank accounts.

See details about all services that are available with our plans

In the past few years, massive patches of Sargassum seaweed periodically wash up on the shore, often in Florida and the Caribbean. Travelers visiting the beaches affected by a seaweed invasion may not have the vacation experience they expected.

Our travel insurance plans do not provide coverage to reimburse you for trip costs if you decide to cancel your trip because seaweed is affecting your destination. But, with our Trip Cancellation for Any Reason add-on coverage, you can be reimbursed up to 60% of the penalty amount for your trip when you cancel for any reason, including seaweed. Trip Cancellation for Any Reason coverage is available as an optional upgrade to our Premium Plan if you meet certain requirements.

Sargassum seaweed may also be harmful to humans. Besides smelling bad, decaying seaweed on the beach can cause respiratory problems for some people, and can cause skin rashes if in close contact. If you experience these symptoms and require medical attention, our plans include Medical & Dental coverage that can reimburse you for medical expenses during your trip and 24/7 Travel Assistance that can help you find a local doctor. In this case, you may also be covered for Trip Interruption.

Red tide is a harmful algal bloom that sometimes occurs in the ocean water on the coast of Florida and the Gulf of Mexico. It can be harmful to marine life and humans. Toxins can also be released into the air, leading to respiratory irritation, especially for people with respiratory conditions, such as asthma.

Generali travel insurance plans do not include red tide as a covered reason for trip cancellation. But there are instances when our plans can help. Here are the details:

If you buy travel insurance after a storm is named, your plan will not provide coverage for storm-related claims. See our Storm Coverage Alerts for more information.

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, and if you need to file a claim related to a storm, you will have bought the plan well before the storm was forecasted.

Generali travel insurance plans can be purchased up to 18 months before the trip departure date and up until the day prior to departure.

If you are evacuated during your trip due to adverse weather or a natural disaster, we encourage you to seek accommodations out of harm’s way—with the hope that you can return to your trip when the evacuation ends. Generali Global Assistance reimburses for certain out-of-pocket costs during the evacuation, such as hotel stays, meals and local transportation. The delay will have to be for the specified amount of time listed in your Plan Documents.

The plans include coverage for insured trip costs you can’t use when a mandatory evacuation is in effect as long as the loss for your trip occurs within the first 30* calendar days after the mandatory evacuation order is issued. You can qualify for reimbursement for the remaining portion of your trip if you have 50%* or less—or 4* days or less—of your reservation left when the evacuation order is lifted at your destination.

*Day and percentage requirements may vary by state. Review your Plan Documents for full details.

If your destination is evacuated due to adverse weather or a natural disaster, such as a hurricane, you can be reimbursed for your insured trip costs. The plans can only provide coverage for losses that occur for your trip within the first 30* calendar days after the initial mandatory evacuation order was issued. You qualify for a full cancellation if you have 50%* or less—or 4* days or less—of your trip remaining when the evacuation order is lifted, at your destination.

Plans include similar coverage if the accommodation at your destination is deemed uninhabitable.

You can also be covered if your flight is canceled or delayed because of adverse weather.

*Day and percentage requirements may vary by state. Review your Plan Documents for full details.

To start your claim, visit our eClaims portal and enter your policy number.

If you have questions, FAQs can be found at the eClaims portal, more guidance is available at our How to Start a Claim page.

Please note that your account login for eClaims is separate from your account login for this website.