Enjoy Worldwide Protection with a Comprehensive Plan from Generali

Travel with confidence when you choose a Generali single-trip policy designed for U.S. residents. You get clear, tiered plans—Standard, Preferred, and Premium—so you can match coverage to your trip and budget.

All plans include concierge service, identity theft resolution, 24/7 emergency assistance, trip cancellation up to 100% of trip cost, and interruption benefits up to 125–175%.

Medical and dental benefits are secondary, with limits from $50,000 to $250,000. Emergency medical evacuation ranges from $250,000 to $1,000,000. The Premium plan adds rental car damage coverage and, if purchased on time, pre-existing condition protection.

You can review details, compare costs, and buy travel insurance on the website. A 10-day Free Look gives you time to confirm the policy fits your needs before the period begins.

Key Takeaways

• Generali offers three single-trip plans to suit different trip needs.
• Every plan includes concierge, identity theft help, and 24/7 emergency support.
• Medical limits and evacuation coverage scale by plan tier.
• Premium adds rental car damage and timely coverage for pre-existing conditions.
• Use the website to compare coverage, cost, and buy travel insurance with confidence.

Why Choose Generali for Worldwide Travel Protection

Generali pairs global reach with U.S.-focused service so you get reliable travel protection wherever you go. You benefit from a recognized insurer with strong financial backing and clear policy choices for single trips.

Generali Global Assistance traces back to CSA Travel Protection and operates in 50+ countries. It holds an A+ (Superior) AM Best rating, an A from the BBB, and a TrustPilot score around 4.3/5 — signals that claims and support are dependable.

Global brand, local support in the United States

You get plans designed for U.S. residents, backed by a U.S. branch and worldwide operational reach. That mix helps when you need local coordination or a policy change during your trip period.

Concierge and identity theft services included

All plans include complimentary concierge services for bookings and on-trip logistics. Identity theft resolution is provided for six months from your departure date, plus 24/7 emergency assistance anywhere you travel.

“Count on clear options and on-demand help so you can focus on the trip, not the what-ifs.”

• Strong ratings that reflect claims-paying ability.
• Complimentary concierge and six months of identity theft services.
• 24/7 emergency assistance worldwide for quick coordination.

Who This Worldwide Coverage Is For

These single-trip policies are built for U.S. residents who need clear, flexible coverage for anything from a quick weekend break to a long overseas stay. You get options that match short vacations and extended journeys, with limits that rise by plan tier.

Match the plan to your trip profile. If you want strong evacuation and transportation benefits for cruises or remote locations, pick a policy with higher limits. All plans include baggage protection, travel delay, and missed connection benefits.

Single trips for U.S. residents, from quick getaways to extended journeys

Policies cover trips up to 365 days in many states, though some state rules may limit length. You cannot buy a policy more than 18 months before departure, so plan purchase timing matters.

Travelers seeking trusted evacuation, interruption, and baggage protection

Choose these plans if you want solid protection for interruption, baggage loss, and delays. Limits scale by tier, so you can balance price and peace of mind.

“Find a single-trip policy that fits your travel style — solo, family, or couple — and know the purchase and period rules before you buy.”

• Short or long trips: options for quick getaways and long vacations.
• Evacuation focus: good for remote or cruise itineraries.
• Tiered limits: baggage, delay, and interruption increase by plan.

worldwide-insurance-plan-generali: What’s Included at a Glance

Here’s a clear summary of what each plan covers so you can compare limits at a glance.

Trip cancellation and interruption benefits

Trip cancellation reimburses up to 100% of your prepaid, nonrefundable trip cost across all plans.

Trip interruption pays extra transportation and return expenses: 125% (Standard), 150% (Preferred), and 175% (Premium).

Emergency assistance, medical, and evacuation coverage

Medical and dental are secondary with limits of $50,000 (Standard), $150,000 (Preferred), and $250,000 (Premium).

Emergency medical evacuation and repatriation range from $250,000 to $1,000,000 depending on the plan.

Baggage protection and travel delay support

Baggage coverage starts at $1,000 (Standard) and rises to $2,000 for Premium. Baggage delay and missed connection benefits increase by tier.

• Core coverages: trip cancellation, interruption, emergency medical, evacuation, and travel delays.
• 24/7 assistance worldwide coordinates care and logistics during an emergency or disruption.
• Use this snapshot to match coverage levels to your travel priorities and period before buying a policy.

Generali Plan Tiers Explained: Standard, Preferred, and Premium

Generali’s three tiers scale limits and perks so you can buy the level of protection you need. Each plan is a single policy option you purchase for a trip period, with clear differences in medical, evacuation, and interruption benefits.

Good, Better, Best: finding the right fit for your trip

Standard is budget-friendly. It offers $50,000 secondary medical and dental, $250,000 emergency evacuation, 100% trip cancellation, and 125% interruption coverage. It does not include pre-existing medical protection.

When to step up from Standard to Preferred

Preferred raises medical to $150,000 and evacuation to $500,000, with 150% interruption. Choose this plan if your itinerary includes cruises or remote locations where higher limits matter.

Premium: highest limits plus rental car damage and PEC coverage

Premium provides $250,000 secondary medical, $1,000,000 evacuation, and 175% interruption. It also includes rental car damage coverage. Only Premium can cover pre-existing conditions if you insure 100% of prepaid costs and buy the policy no later than 24 hours after final trip payment.

“Compare interruption and evacuation limits against your trip complexity — the smallest cost difference can mean far bigger protection when you need it.”

• Compare limits: 125% → 150% → 175% interruption coverage.
• Weigh cost vs. risk: higher limits and rental car protection add value for complex trips.
• Timing matters: Premium’s pre-existing coverage requires purchase within the specified period.

Emergency Assistance and Medical Evacuation You Can Rely On

Access to immediate, coordinated help can turn a chaotic emergency into a manageable situation. Every Generali policy includes 24/7 Emergency Assistance Services so you can get help any hour, in any time zone.

Evacuation limits scale by plan: $250,000 (Standard), $500,000 (Preferred), and $1,000,000 (Premium). These limits cover medically necessary transport and repatriation when local care is insufficient.

What the assistance team does for you

The global assistance desk coordinates care, arranges assistance transportation, and helps with translations and local referrals.

• Count on round-the-clock emergency assistance to coordinate transfers and logistics.
• Rely on large evacuation limits for complex or long-distance medical transport.
• Assistance services also handle concierge tasks and identity theft resolution while you focus on recovery.

“Keep Generali’s contact info handy—help can arrive within hours to arrange transport, treatment, or return home.”

Trip Cancellation and Trip Interruption That Protect Your Trip Cost

If your plans fall apart before departure, cancellation benefits can reimburse your prepaid, nonrefundable expenses. Trip cancellation covers up to 100% of eligible costs across every policy.

Trip cancellation up to 100% of your prepaid, nonrefundable trip cost

Cancellation benefits reimburse covered reasons for lost prepaid airfare, hotels, and tours. You must follow the policy’s notification and documentation rules to file a claim.

Interruption coverage up to 125%–175% to help you return home

Trip interruption provides extra funds for return travel and emergency costs. Limits are 125% (Standard), 150% (Preferred), and 175% (Premium) of your trip cost.

These higher interruption limits can help pay for emergency transportation and last-minute changes when a covered event forces you to cut short your vacation.

• Protect prepaid costs: cancellation reimburses eligible nonrefundable expenses up to 100%.
• Get home when needed: interruption coverage adds 125%–175% to cover extra transportation and reasonable emergency expenses.
• Timing and proof matter: file claims promptly and keep receipts, medical notes, or other documentation.
• Know the difference: cancellation applies before departure; interruption applies during your trip.
• Match limits to total trip cost: include flights, lodging, and tours when you choose a policy.

“Keep your assistance contacts close — they can arrange transportation and help coordinate claims when a covered disruption occurs.”

Medical and Dental Coverage: Secondary but Substantial

Your policy includes medical and dental benefits that act as a safety net when your primary coverage falls short.

All Generali plans provide secondary medical and dental protection. Limits vary by plan: $50,000 (Standard), $150,000 (Preferred), and $250,000 (Premium).

How secondary coverage coordinates with your primary insurance

First, file claims with your U.S. health insurer. After that, submit remaining eligible expenses to Generali under your policy.

• See how secondary benefits pay balances your primary insurer does not.
• Compare medical limits by plan to match destination risk and personal medical conditions.
• File with your primary carrier first, then follow Generali’s claim rules for the remaining balance.
• Common emergency and dental events—like sudden illness or accident—are typically eligible; check exclusions in the policy.
• Consider higher limits if you travel where care costs are high or your regular insurance has limited international acceptance.
• Keep itemized bills and medical records to speed reimbursement during the trip and after the period ends.

“Carry your policy and assistance contact info so you can act quickly if care is needed abroad.”

Pre-Existing Medical Conditions: How Premium Helps

Coverage for pre-existing medical issues is available, but only when you meet tight timing and payment rules. If this protection matters to you, plan your purchase and payments carefully.

Purchase timing and eligibility

Buy the policy no later than 24 hours after your final trip payment. This purchase window is strict. Missing it disqualifies you for pre-existing condition coverage under the policy.

Payment and medical requirements

You must insure 100% of your prepaid, nonrefundable trip cost and be medically able to travel when you buy the policy. These steps lock in the specific coverage for pre-existing medical conditions under Premium.

• Only Premium offers pre-existing condition coverage; Standard and Preferred exclude it.
• Some benefits, like Financial Default, require purchase within 14 days of your first trip payment — keep those “within days” milestones in mind.
• Review the policy’s look-back period and definitions, and gather medical records before you travel.

“If a pre-existing condition matters, act fast: timing, full trip payment, and documentation are what qualify you for coverage.”

Baggage, Delay, and Missed Connection Benefits

Baggage mishaps and travel delays happen — know how your policy responds so you can act fast.

Your policy provides per-person baggage limits: Standard $1,000, Preferred $1,500, and Premium $2,000. These limits apply to loss, theft, and damage to most personal items.

Note: phones and computer hardware or software are excluded from baggage coverage, so consider separate protection for high-value electronics.

Delays, per-day limits, and documentation tips

Baggage delay benefits kick in after a waiting period. Standard pays $200 after 24 hours, Preferred pays $300 after 18 hours, and Premium pays $500 after 12 hours. Use these funds for essentials you must buy while you wait for your luggage.

Missed connection limits start after three hours: $500 Standard, $750 Preferred, and $1,000 Premium. These benefits help with reasonable additional transport or lodging costs when a covered delay causes you to miss a scheduled leg of your trip.

• Review baggage loss and damage limits by plan so you understand your protection.
• See baggage delay waiting periods and per-day limits to plan for essentials.
• Know missed connection thresholds and limits before you travel.
• Keep receipts, boarding passes, and carrier delay reports to validate claims.
• Compare plan tiers to decide whether higher baggage and delay limits fit your gear and itinerary.

“Document delays and purchases promptly — clear proof speeds claims under your insurance policy.”

Rental Car Damage Protection with Premium

If you plan to drive while abroad, the Premium policy includes rental car damage coverage at no extra charge. This built-in benefit can cut what you might pay at the rental counter and simplify claims during your trip.

Why built-in rental car damage can save you money

Generali’s Premium plan bundles a rental car damage benefit that is often sold as an add-on by rental companies. That convenience can reduce out-of-pocket expenses if you have a minor accident or vehicle damage.

• Offset rental desk charges: Premium’s coverage can replace costly collision waivers you’d otherwise buy at pickup.
• Know the limit: Coverage is capped at $25,000 — check if that fits your rental choice and destination.
• State restrictions: This benefit is not available to Texas residents, so confirm eligibility before you buy the policy.
• Read exclusions: Typical exclusions apply for theft with negligence, off-road use, and certain vehicle types.
• Plan vs. buy at the counter: Weigh the ease and potential cost savings of having protection inside your travel insurance against on-site options.

What’s Not Covered: CFAR and Adventure Sports

Generali’s travel policies exclude CFAR, so cancellation claims must meet the specific reasons listed in your policy. You cannot cancel for any reason and expect reimbursement.

This means your cancellation must match covered conditions in the policy to get paid. Read the policy details and the period rules before you buy.

Adventure and high-risk activities

Accidents during adventure sports and other high-risk activities are excluded from coverage. If your trip includes extreme sports, your insurance likely won’t cover related injuries or losses.

• Set expectations: CFAR isn’t offered, so cancellation must meet covered reasons in the policy.
• Know exclusions: adventure and high-risk activities are not covered and can affect claims for medical and cancellation events.
• Consider alternatives: seek specialized travel insurance or add-ons if you need broader cancellation or adventure coverage.
• Read the fine print: review exclusions and activity definitions to avoid surprises during your trip.
• Align plans and activities: match your itinerary to the coverage provided to secure the travel protection you need.

“If high-adrenaline plans are on your agenda, confirm activity coverage before you buy any policy.”

Eligibility, Trip Length, and Availability

These single-trip policies are tailored for U.S. travelers who need clear limits and simple purchase rules. You must be a U.S. resident to buy these plans, and the product is for one trip at a time—not annual or multi-trip coverage.

U.S. residents only; single-trip coverage

Confirm eligibility before you buy. The policy is available only to U.S. residents and applies per trip, so it won’t replace an annual plan.

Maximum trip length and timing constraints

Trips can be covered for up to 365 days, though some states limit maximum lengths. Policies cannot be issued if your departure date is more than 18 months in the future.

• Confirm eligibility: single-trip product for U.S. residents, not multi-trip plans.
• Plan length: coverage can extend up to one year, subject to state rules.
• Timing rules: you cannot buy a policy for departures beyond 18 months.
• Purchase timing: factor the period and payment schedule into your trip planning.
• State nuances: always verify local conditions in your policy documents.

Tip: check your policy language for state-specific limits and timing to avoid surprises when you travel.

Pricing Snapshot and Value for Money

A quick pricing snapshot makes it easier to choose the right balance of limits and cost. Use averages to set expectations before you shop for a policy.

Average comprehensive and medical-only costs

On Squaremouth, Generali’s medical-only policies average $42.10, while comprehensive plans average $232.80. These figures give you a baseline when comparing quotes.

Medical-only coverage trends higher than you might expect given its secondary status. Many travelers choose comprehensive plans to broaden protection for a similar outlay.

How limits and add-ons influence price

Higher medical and evacuation limits push premiums up. Added features, like rental car damage included with Premium, can increase the price but also add value you may otherwise buy separately.

• Compare averages: comprehensive ≈ $232.80, medical-only ≈ $42.10.
• Higher limits and extras raise the total cost, but they reduce out-of-pocket risk.
• Standard often wins on value; Premium bundles more benefits like rental car damage at no extra charge.
• Because medical-only is priced relatively high, consider comprehensive if you want wider coverage for the trip.
• Match plan features to your trip profile and payment timing to find the best value.

“Balance price and protection: the cheapest policy may not be the best fit for your trip’s risks.”

Trust Signals: Financial Strength and Customer Ratings

Ratings and review data give you concrete reasons to trust a travel insurer. Generali holds an A+ (Superior) from A.M. Best, an A from the Better Business Bureau, and a 4.3/5 TrustPilot score. These third-party marks point to stable claims-paying ability and consistent service.

Look beyond price when you compare a policy. There are over 5,000 reviews on Squaremouth that show how customers experience claims, responsiveness, and value for coverage.

Know the backing: Generali Global Assistance sits inside the Generali Group, and coverages are underwritten by Generali U.S. Branch (NAIC #11231). That structure links global assistance with U.S. underwriting oversight.

• Rely on A+ AM Best for financial strength and claims support.
• Factor in BBB and TrustPilot sentiment plus thousands of Squaremouth reviews.
• Use the Generali U.S. Branch underwriting as proof of regulatory and service accountability.

“Use third-party ratings and user reviews as added assurance when choosing your plan for travel—price matters, but so does who pays and responds.”

How to Buy, When to Purchase, and Your Free Look

When you secure a policy soon after booking, you expand the period of protection and qualify for extra benefits.

Best time to buy to maximize benefits

Buy as soon as you make your initial deposit to lock in time-sensitive benefits. To qualify for protections like Financial Default or Employment Layoff, purchase within 14 days of your first payment.

Premium pre-existing condition coverage requires you to buy the policy no later than 24 hours after your final trip payment and insure 100% of prepaid costs.

Ten-day Free Look and policy documents you receive

You can buy travel insurance up to the day you depart, but a timely purchase gives better protection. After purchase, review your policy documents immediately.

• Use the 10-day Free Look to cancel for a refund if you change your mind and no claims were filed.
• Purchase through the website or by phone and save your confirmation, policy numbers, and assistance contacts.
• Keep assistance numbers handy so you can reach support within hours if questions arise before your trip.

“Buy early, keep paperwork, and use the Free Look to confirm the coverage fits your trip.”

Conclusion

Choose the right plan by weighing evacuation strength, interruption limits, and the extras that matter to you.

Generali offers three clear options that fit different itineraries, budgets, and risk levels. Rely on strong evacuation and interruption benefits to protect your trip investment and help you return home when needed.

Factor in included concierge and identity theft services for added support. Consider Premium if you need higher limits, rental car damage, or pre-existing condition coverage when you meet timing and payment rules.

Remember exclusions: CFAR and many adventure sports are not covered. Buy early to unlock time-sensitive protections and use the 10-day Free Look to confirm the policy fits your vacation plans and period of travel.