Travel Insurance Reviews for Generali Global Assistance

The only hitches with the claim to Generali was a change in claim agent and a misunderstanding about the date a credit for a cancelled flight would expire. Took a bit longer to get this settled than I expected.

My husband & I started buying insurance about 6 years ago. It seamed expensive each time I purchased it, but as our parents were aging I thought it was something we should do. We recently planned our longest and farthest trip for over a year to go to New Zealand and Australia. We were very excited, both of us healthy, when out of no where the night before, my husband got sick, and we went from 2 emergency room visits that night to being admitted to the hospital for 4 more days and he was not advised to travel for a few months after that due to follow up doc visits. On my initial call I was in quite a panic, but they were calm & understood and helped me deal with it all. All turned out good for my husband, and we rebooked the only other cruise/airfare available for a similar trip this fall. And we are buying the same policy we had last time with Generali. Why? Because due to their excellent response & assistance & clarification of what info they needed, etc. in order for us to get our money returned as soon as possible they deserve our loyalty. They were always available when I needed to ask a quesiton. I advise keeping detailed records, (I am fortunate that my husband did that) Also, know that that it will take time for all the paperwork (about 60 days) but the delays are not because of the insurance company, usually due to waiting on hospital records, etc. (they also warned me in advance about the time frame to collect all the data). My claim handler Chanel was fantastic.

Client representative was friendly and helpful when I called for advice on whether or not to file a claim. Link was sent immediately. We were very impressed with the quick response time and that the claim was paid in full

We had delayed baggage and had to buy a couple of days' worth of clothes from a local mall booth-vendor. All cash and no receipt. Based on the other evidences I submitted (photos, emails, etc.) Generali approved my request for reimbursement promptly. Couldn't ask for more.

Due to an urgent health issue with a parent (not traveling with us) two weeks prior to departing on an Alaskan cruise, we had to cancel the trip. The cancellation penalty was 100% of the cost. Fortunately, we had purchased a policy from Generali Global Assistance as a "just in case" because of the age of our parents. We filed a claim, including all requested medical/doctor/cruise paperwork, and sent it to Generali as directed on their website. We were notified of receipt of the document package and when an agent would be assigned. Within two weeks of filing we received notice that our claim had been processed and a check for the insured amount would be forthcoming. It was received a few days later. The expeditious manner in which this claim was processed, without any long drawn out foot dragging by Generali was both impressive and a surprise. I will consider using this company again when traveling.

We had to cancel our hiking trip in Italy due to an injury five days before departure. Our claim has been completely resolved in a timely manner. Only wrinkle was I had to resubmit documentation pdf’s by email when the claims adjuster was unable to access them from my online submission. Not a big issue. Glad we used them.

Buyer beware. My claim was denied. They were looking for the flimsiest of excuses to deny. First one ground then another and then another when it was pointed out that grounds for denial were incorrect. If someone has a medical emergency denying coverage because they did not return home within 7 days as opposed to 10 days as per physician advise, in my opinion is just the worst. I'm surprised that insure my trip which has been a reasonable broker,  with who I have done business for many years, carries this insurance. Being self congratulatory by mentioning 65K reviews is not going to help if you have forgotten your basic customer service ethos. I have recommended many customers to your site; needless to say this will not happen in the future and I will be taking my business elsewhere.

When my husband's wallet was stolen in Paris I called the insurance company number to see if they could offer any help and was to receive a claim report via email which was never received. There wasn't much help they could actually provide other than offering to loan some cash, which we didn't need.

At first I thought it was a misunderstanding that would be remedied once we discussed the matter. My wife and I planned to take family members on a trip to France. We undertook to pay for lodging and train travel in Europe. They would only have to pay for air fare and incidentals. And for one cousin who is celebrating a significant birthday this year, we went a step farther and undertook to pay her air fare from SFO to Paris. Knowing how much we were likely to spend for all of this we insured the trip for $9,500.

Shortly before the trip my wife was injured and hospitalized. The trip was cancelled and we filed a claim for trip cancellation coverage. Generali reimbursed us for all of the payments we made that were non-refundable (including payments for train tickets for our party of six, multiple hotel rooms for all of us, and a house rental in Brittany). But it declined to compensate us for the air fare we paid for my cousin because, they said, she wasn't an insured party.

I communicated with Generali and explained what I believe is self-evident. The risk I insured against was the risk of losing up to $9,500 is payments I made for my trip and Generali's policy provided that "Benefits will be paid, up to the amount in the Schedule, for...Payments that you paid for your Trip." I wasn't claiming benefits for my cousin. She didn't make any payments for air fare and had no risk of losing any such payments so even if she had been insured she would not have been able to claim benefits for lost air travel payments. I was claiming the benefit for my wife and me since we were the ones who paid the $1,800 in air fare, faced the risk of loss of that payment if the trip was cancelled, and were the parties Generali agreed to insure against that very risk.

After failing to get anywhere by communicating with Generali in writing, I was finally able to speak with a Claims Manager by phone. I explained my logic and she agreed, my reasoning was sound! Nevertheless, she insisted "that's not how the policy works" and refused to consider the matter further. She asserted that Generali only pays benefits for reservations that are in the name of an insured, even if an insured party paid for the reservation. (As for the benefit for payments I made for train tickets for six passengers, that was "a mistake" she said.)

I'm now persuaded that this is not a simple misunderstanding but a deliberate policy or practice that amounts to an intentional breach of contract by Generali. I intend to pursue the matter further and am confident I will eventually succeed in getting Generali to live up to its commitment. However, others should be very cautious about dealing with Generali.

Great service - fast and efficient.