Generali Global Assistance Review
In early 2017, Generali Global Assistance (formerly CSA Travel Protection) launched a new website and three new plans. The company doesn't offer much variety in terms of available policies, but the plans it does provide come with solid coverage for all types of travel-related needs.
Purchase policy in minutes on mobile
Provide some basic information about yourself and the trip you’re planning to take, and you’ll have a quote from Generali Global Assistance in a matter of seconds. From there, you can compare the coverage options of three different plans—Standard, Preferred and Premium. Generali’s Plan Details page provides easy comparison of the coverage amounts per plan as well as included features/services and add-on coverages. You can save your quote to your Generali Global Assistance online account to view later, but you don’t have to create an account to buy a plan. If you’re ready to purchase, just enter your personal and payment information and click “Buy.” The whole process is pretty straightforward and can be completed entirely online so you can get back to planning your trip.
Generali’s website login is integrated with your Facebook, Twitter or G+ accounts, or you can use email for authentication. You can also purchase using your smartphone or tablet, since their site is mobile friendly.
Streamlined claims process
If you’ve submitted claims through CSA Travel Protection in the past, you might remember having to print out and fill in a form. Generali has streamlined this process, allowing you to submit claims entirely online. You can access “Start a Claim” from the top navigation bar or the menu list in the upper right. You then submit your claim and let Generali take care of the rest. If you have questions at any point during the process, you can contact the company and a claims representative will assist you.
Rental car coverage included
If you decide to go with the Premium plan from Generali Global Assistance, you don’t have to worry about buying extra coverage for your rental car because this comes automatically included. Most travel insurance providers offer this service but charge an extra fee for it. With Generali Global Assistance , you get $25,000 of rental car coverage at no additional cost. This could end up saving you a significant amount of money in the long run. Many other companies charge customers by the day for this type of protection and, if you’re taking a long trip, it could add up fast.
No out-of-pocket medical expenses
Generali Global Assistance provides up to $1,000 worth of up-front emergency medical costs if you get sick or injured while traveling. To take advantage of this service, you must visit a healthcare provider within Generali’s provider network, but their 24/7 emergency contact center locates and contacts one of these providers so you can get treatment. A service like this isn’t something you find with every travel insurance provider, which makes it all the more valuable.
ID theft resolution services
In the unlikely event your identity is stolen during your trip, Generali Global Assistance will assist you in notifying the credit bureaus of your situation and advise you on how to reclaim your identity. This service is included in all three Generali plans and is available to you for up to 180 days after your trip departure. In all likelihood, you probably won’t need this service, but it’s nice to see Generali offering it to their customers to give them some extra peace of mind.
Sporting equipment protection
Generali has introduced unique coverages for sporting equipment loss, theft and damage, as well as sporting equipment delay coverages on its Preferred and Premium plans. If, for example, you’re planning to take your own snorkeling or snowboarding gear with you, this option ensures you’ll be reimbursed if anything happens to your equipment en route or at your destination.
Only three policies available
Generali Global Assistance has three plans that offer solid coverage for all sorts of travel-related emergencies, plus medical and dental treatment. If you’re looking for just a standard travel insurance policy, one of these should work nicely. However, if you’d like more options or want to find a plan that’s more tailored to your needs, choosing a company like Travelex Insurance Services is a better way to go, as they offer seven different plans designed to suit a variety of travelers.
No coverage for large groups
Generali’s plans cover up to 10 people, which is likely to be ample protection for most travelers. But if you’re planning a trip with a large number of people — say, a school group or your extended family — you’ll need to purchase additional policies to ensure everyone is covered. In this case, it might be worth your while to check out the group coverage options from companies like TravelSafe Insurance or HTH Travel Insurance.
- Maximum Age Insured: 100
- Maximum Trip Cost: $40,000
- Minimum Travel Delay Time: 6 hours
- Travel Delay Compensation: Up to $150/day on Standard, $200 on Preferred, $300 on Premium
- Coverage for Pre-existing Medical Conditions is included with the Premium plan
- Trip Cancellation for Any Reason can cover up to 75% of trip cost insured on the Premium plan
- Teladoc (virtual doctor services) included with all plans
- Free Look period of 10 days for full refund as long as you haven’t left on your trip or filed a claim
- Underwriter: Generali U.S. Branch