Top5 Review

Summary of Product 

Generali Global Assistance, formerly known as CSA Travel Protection, is a San Diego based insurance company that has been providing customers with travel insurance, travel assistance, identity theft services, and risk management services for over 60 years. The company is a subsidiary of Generali, a large European insurance company called that covers different facets of insurance.

Generali provides comprehensive travel insurance and travel assistance packages that are available worldwide. Generali is known for providing some of the highest payout limits in the travel insurance industry and some extra product features that other companies do not have. The company has a 27-year track record of satisfying customer service reviews and a positive reputation as far as customer service.

Pros / Cons

Pros

  • They offer some of the highest payouts in the industry
  • They offer emergency $500 cash advance if necessary
  • Consultation services with U.S.-based doctors

Cons

  • Medical expenses will most likely be paid out of pocket and reimbursed later
  • Coverage for preexisting medical conditions only available at the Premium level
  • Children are not covered for free

Product Coverage

Generali offers three different comprehensive plans to choose from. The plans range from basic coverage with lower payout caps to higher coverage with maximum payouts. In general, when you choose Generali you can expect standard travel insurance benefits plus a little bit more.

Standard

The Standard plan is the basic level insurance plan that covers all of the travel insurance bases. In this plan, the coverage includes trip cancellation, trip interruption, and baggage delay. The great thing about Generali is that even the lowest level of coverage covers 100% or more for trip cancellation and interruption. As far as the medical coverage, you’re looking at a maximum of $50,000, which is considerably higher than other travel insurance plans.

In addition to all of the coverage, you can also enjoy the travel assistance services that Generali provides. Those services include 24-hour assistance, a U.S. doctor hotline, and free concierge services.

  • Medical and Dental Coverage- $50,000
  • Emergency Medical Transportation and Assitance- $250,000
  • Accidental death and dismemberment- $50,000
  • Lost or Stolen Baggage- $1,000

Preferred

The Preferred plan is a step above the standard plan but includes some extra coverage for the customer. The Preferred plan includes specific coverage for sports equipment and sports equipment delay. If you’re heading on an adventure trip, the preferred method can offer a bit of peace of mind for you.

  • Medical and Dental Coverage- $150,000
  • Emergency Medical Transportation and Assitance- $500,000
  • Accidental death and dismemberment- $75,000
  • Lost or Stolen Baggage- $1,500

Premium

When choosing the right travel insurance for you, the premium level is equivalent to Generali’s luxury-level plan. This plan rounds out all of the services offered by the Standard and Premium and is designed to cover more expensive trips. The premium plan is perfect for the longer, more luxurious trips that you’ve invested a lot more in. Think a luxury cruise or a guided tour trip. Getting the premium plan will give you a peace of mind should anything go wrong.

Some of the added benefits that Premium users can benefit from are the pre-existing medical condition waiver, which provides coverage for those who qualify. You can also opt into the Cancel for Any Reason benefit and receive a reimbursement of 75% of the trips total cost.

  • Medical and Dental Coverage- $250,000
  • Emergency Medical Transportation and Assitance- $1,000,000
  • Accidental death and dismemberment- $100,000
  • Lost or Stolen Baggage- $2,000

Product Features

One of the most notable features of Generali’s plans is the high payout compared to other insurance companies. A $50,000 coverage for the basic level is a high starting point compared to most travel insurance companies, who usually offer around $10,000 to $15,000. Even then, the prices are still competitive, so you are getting more bang for your buck with Generali.

Another feature that sets Generali apart is the Teladoc services offered. In addition to the medical assistance hotline, which is standard among all insurance companies, Generali provides an over the phone consultation with an American doctor. Should you need medical services while abroad, you can rely on both the country’s doctors and U.S. health professionals advice. This is a reassuring feature that is available at the standard, preferred and premium levels.

Last but not least, with Generali you won’t have to worry about your identity while traveling abroad. In the unfortunate event of identity compromisation, while traveling, Generali will offer protection for up to 180 days for any U.S. bank accounts affected.

Price

Surprisingly, even with the high payout maximums offered by Generali, the travel plans aren’t substantially more expensive than others. Each plan pricing depends on the length of trip, age, travel destination, and the total trip cost. For example, a one week trip to Europe for an adult that costs $3,000 would start at $92 for the standard plan and $134 for the premium plan. Generali is a comprehensive and affordable option for travelers. With Generali, its simple to get a quote.

Conclusion

Generali is a great choice for travelers who want to have a peace of mind while on vacation for many reasons. Generali is a top choice for travelers looking for the utmost protection should they have health, theft or cancellation issues arise. Even at the lowest level of coverage, your emergency medical expenses are sure to be covered with their high payout limits.

Due to the coverage amount, extra features and comprehensive breakdown of their plans, Generali Global Assistance is a top choice for travelers.

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