Generali Premium

A.M. Best Rating: A
By: Generali, Underwriter: Generali US Branch

This plan is currently being updated and will be accessible online soon.Learn more

Generali Premium is a Travel Insurance plan for U.S residents traveling domestically or internationally. The plan offers reimbursement coverage on non-refundable trip costs due to covered reasons for Trip Cancellation, Trip Delay, Trip Interruption, and more.

Generali Premium will cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date. Coverage for Quarantine is provided under the Trip Delay benefit, if ordered by an authorized physician.

Please review Generali Premium policy documents for complete coverage and exclusions.

Key Trip Insurance Benefits

Here are some of the top benefits, for your convenience*

Trip Cancellation

Up to 100%

Trip Interruption

Up to 175%

Medical Evacuation

Up to $1000000

Rental Car Damage

Up to $25000

Cancel for Any Reason Option

Optional add-on

Trip Delay

Up to $300 per day, $1000 maximum

Accident & Sickness

Up to $250000

Baggage & Personal Effects

Up to $2000

Trip Cancellation

Up to 100%

Cancel for Any Reason Option

Optional add-on

Trip Interruption

Up to 175%

Trip Delay

Up to $300 per day, $1000 maximum

Medical Evacuation

Up to $1000000

Accident & Sickness

Up to $250000

Rental Car Damage

Up to $25000

Baggage & Personal Effects

Up to $2000

*Note: Please consult your specific policy documents for precise coverage limits, benefits and exclusions. Optional add-on benefits are available for an additional charge

Eligibility

For U.S residents traveling within the U.S and/or internationally
For Age 14 days to 99 years of age
Coverage for a maximum of 365 days (90 days for WA residents)
Must be purchased prior to departure.
Optional Cancel for Any Reason (CFAR) must be purchased within 24hrs of initial trip deposit date. (Not available for NY residents)
Plan includes travel insurance premium and the cost of assistance services. For more information see important disclosures

Trip Cancellation

Up to 100%

Trip Interruption

Up to 175%

Trip Delay

Up to $300 per day, $1,000 maximum

Missed Connection

Up to $1,000

Emergency Medical Evacuation & Repatriation

Up to $1,000,000

Cancel For Any Reason

Optional Add-on benefit. (Not available to NY residents)

Accident & Sickness Medical Expense

Up to $250,000

Dental Expense

Up to $250,000

Covid-19 Coverage

Treatment for COVID-19 is covered if contracted after the plan effective date. Cancellation, Interruption, & Quarantine benefits are offered in this plan. Covid-19 testing is covered only if ordered by a physician. Vaccination/Boosters are not covered.

Trip Cancellation Due to Covid-19

Coverage for trip cancellation due to a documented positive COVID-19 result

Covid-19 Quarantine

Quarantine coverage in Trip Insurance plans fall under the "Trip Delay" benefit. Policyholders who test positive and are ordered by a physician to quarantine can utilize the Trip Delay benefit to cover any expenses incurred while quarantining.

Baggage & Personal Effects

Up to $2,000

Rental Car Damage

Up to $25,000

Baggage Delay

Up to $500

Please refer to the following article concerning the claim process:
Trip Insurance Claim Process

US citizens and US Residents, who live in the US, are covered by these plans, for traveling both within the US, as well as internationally outside the US.

Generali Global Assistance is unable to provide coverage for travel to Afghanistan, Belarus, Cuba, Iran, Myanmar, North Korea, the Russian Federation, Syria, Venezuela, Crimea, and the Zaporizhzhia, Kherson, Donetsk, and Luhansk People's regions.

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.

These plans can only provide coverage to US residents for trips within the United States or internationally, except for restricted Destination Countries mentioned in the Purchase Restrictions tab.

Trip plans are not renewable. The trip dates and trip costs can be modified as long as there is no loss/reason to file a claim and the departure date/return date has not passed. Changes to the trip dates/trip cost could affect the premium. The return date could also be modified if the traveler is currently on their trip, but could not be modified once the return date has passed.

From the time of purchase, every Generali travel insurance plan includes a designated free look period in which you may cancel your plan for a full refund if it doesn't suit your needs.

For most states of residence, you may cancel your plan within 10 to 15 days from the time of purchase (state restrictions apply). If you live in Indiana, the free look period gives you 30 days to decide if your plan is right for you.

Keep in mind, you can only cancel your plan within the free look period as long as you have not filed a claim, or left on your trip.

You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.

You will need names, coverage duration, date(s) of birth, primary destination, home country address, total nonrefundable trip costs, and a valid credit card.

After purchasing the policy online, you will receive your ID card in your confirmation email.

Coverage will be provided in all eligible countries visited with the exception of any restricted countries mentioned in the Purchase Requirements section. Please note: If any part of your trip includes the United States, please select it as your destination country.

Generali Premium can cover for COVID-19 illness and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence.

If you, a family member or a traveling companion are diagnosed with COVID-19 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.

Only the primary destination in the application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period. Pick the location where you will spend the most time and choose the listed location nearest to your destination. If you are spending equal time at your destinations, select whichever you are visiting first.

Coverage on a trip insurance plan will begin the day after you have purchased your policy.

The Generali Premium Plan does not cover the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Preventative care related to COVID-19, like vaccines/boosters, is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.

Generali Premium will only cover COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.

Yes, if you or your traveling companion are in enforced isolation for the purpose of preventing the spread of illness, disease or pests then you could be covered under the Trip Cancellation, Trip Interruption, and Travel Delay benefit. The Travel Delay benefit can provide reimbursement for reasonable expenses incurred such as accommodations, meals and local transportation if you are delayed for 6 hours or more. Per person and daily limit applies.

The trip cost should include any non-refundable payments made related to the trip. In case of unforeseen cancellation of the trip, these costs would be lost. Examples of these are costs of airline tickets, hotel reservations, tour reservations, etc.

Generali Premium has an optional Cancel for Any Reason benefit that can be added to a policy. The coverage limit is 75% of the penalty amount. Not available to NY residents. Cancel for Any Reason must be purchased within 24 hours of your initial trip payment date. Please review your policy terms and conditions for a list of exclusions and restrictions.

The trip cancellation benefit can cover the following specified covered reasons:

Sickness, injury, or death of insured, a family member, a travel companion, or service animal
Insured's primary residence or destination uninhabitable
Documented theft of passports/visas
Involuntary termination or layoff
Documented traffic accident directly involving insured while en route to departure
Inclement weather that causes cessation of services provided by your common carrier

Certain terms and conditions apply. Review Plan Documents for full details.

Trip Cancellation provides reimbursement for unused, non-refundable, pre-paid trip costs if you are prevented from taking your trip due to a covered reason. This coverage takes effect the following day after purchase and ends on the scheduled departure date.

Trip Interruption provides reimbursement for unused, non-refundable, pre-paid trip costs if your trip is interrupted due to a covered event. Also provides reimbursement for the additional transportation cost to return home or rejoin your group. This coverage begins once you depart on your trip and ends on your scheduled return date.

Some of the differences among the plans are mostly the level of coverage. The Standard plan offers the most basic coverage, and does not include certain coverages such as the Cancel for Any Reason option. The Preferred plan is the one that provides medium range coverage; the Premium plan offers the most extensive benefit features and amounts among all the options.

The insurance provider recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections.

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 more information regarding Monkeypox and travel insurance, review the blog about Monkeypox.

The Generali Premium plan does not cover the Monkeypox vaccine, but will cover Monkeypox treatment and services the same as any other eligible condition if the virus was contracted after the policy effective date. Preventative care related to Monkeypox is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.

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iTravelInsured Travel SE

Underwriter: US Fire / SiriusPoint America

Trip Cancellation

Up to 100%

Trip Interruption

Up to 150%

Baggage Loss

Up to $1,500, $250 per item

Cancel For Any Reason

Optional Add-on benefit

Emergency Medical*

Up to $250,000

Medical Evacuation*

Up to $500,000

*Pre-existing waiver available if purchased within 20 days of initial trip payment

Benefits

Eligibility

Purchase Restrictions

Plan FAQs

Trip Cancellation: Up to 100%
Trip Interruption: Up to 150%
Travel Delay: Up to $2,000
Emergency Medical Evacuation
Accident & Sickness Medical and Dental Expense
Missed Trip Connection
Rental Car Damage & Theft Coverage
Telehealth Services
Change Fee
Optional Cancel for Any Reason (CFAR) & Trip Interruption for Any Reason (IFAR): Up to 75%
COVID-19 Coverage

For U.S residents or U.S citizens traveling within the U.S and/or internationally
For Age 14 days to 99 years of age
Coverage for a maximum of 90 days
Must be purchased prior to departure.
Trip must be scheduled, prepaid, and 100 miles or more from your primary residence.
Optional Cancel for Any Reason (CFAR) is not available for residents of: NY & WA. CFAR must be purchased within 20 days of initial trip deposit date
Optional Interruption for Any Reason (IFAR) is not available for residents of: NY & WA. IFAR must be purchased within 20 days of initial trip deposit date
Travelers to Israel: Losses due to, arising, or resulting from the conflict in Israel are not covered

Not Available for the following Destination Countries: Afghanistan (AFG), Belarus (BLR), Congo, The Democratic Republic of (COD), Cuba (CUB), Haiti (HTI), Iran (IRN), Iraq (IRQ), Libya (LBY), Myanmar (MMR), North Korea (PRK), Palestinian Terr. (PSE), Russia (RUS), South Sudan (SSD), Sudan (SDN), Syria (SYR), Uganda (UGA), Ukraine (UKR), Venezuela (VEN) & Yemen (YEM)

Please refer to the following article concerning the claim process:
Trip Insurance Claim Process

US citizens and US Residents, who live in the US, are covered by these plans, for traveling both within the US, as well as internationally outside the US.

A pre-existing condition coverage waiver is available with the iTravelInsured Travel SE plan if you purchase the plan within 20 days of the initial trip deposit day.

Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period.

Trip plans are not renewable. In case of change of plans, you would need to purchase a new plan.

You may cancel the insurance by giving written consent within the first to occur of the following: (a) 10-day free look back period from the effective date of your insurance; (b) Your scheduled departure date. If you do this, the company will refund your premium paid provided no claim is under the policy.

You will need names, coverage duration, date(s) of birth, home country address, total nonrefundable trip costs, and a valid credit card.

After purchasing the policy online, you will receive your ID card in your confirmation email.

Coverage will be provided in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.

iTravelInsured Travel SE can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.

Only the primary destination in the application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.

Coverage on a trip insurance plan will begin the day after you have purchased your policy and will cover you for reasons such as trip cancellation prior to the departure date.

The iTravelInsured Travel SE plan does not cover for the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.

iTravelInsured Travel SE will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.

Quarantine coverage in iTravelInsured Travel SE plans fall under the “Trip Delay” benefit. Policyholders who test positive and are ordered by a physician to quarantine can utilize the Trip Delay benefit to cover any expenses incurred while quarantining. The Trip Delay benefit will provide policyholders a specified monetary amount. A policyholder can use their Trip Delay benefit on; reasonable accommodation, meals, telephone calls and local transportation expenses. Receipts must accompany the Reasonable Additional Expenses incurred.

iTravelInsured Travel SE has an optional Cancel for Any Reason and Interruption For Any Reason benefit that can be added to a policy at the time of purchase and must be within 20 days of your initial trip payment date. The optional rider offers up to 75% for non-refundable deposits if cancellation or interruption is due to a non-covered reason under the policy. Not available to residents of NY and WA. Please review your policy terms and conditions for a list of exclusions and restrictions.

All options of the plan would cover for the specific covered reasons. Some of these include:

Sickness, injury, or death of insured, a family member, a travel companion, a business partner, or child caregiver
Insured's primary residence or destination uninhabitable
Documented theft of passports/visas
Involved in a merger, job loss, or job relocation
Documented traffic accident
Unannounced strike
Inclement weather that causes cessation of services provided by your common carrier

Please check the brochure for more details.

Trip cancellation benefits become available if the trip is cancelled before the journey begins (before the start date of the policy). Trip interruption benefits are available after the journey begins. If for some documented covered reason, the trip is cancelled after the journey starts, the insured person has to go back to the home country.

The telehealth benefit provides 24/7 access to connect with a board-certified medical professional who can help diagnose, treat, and prescribe medications for many non-emergency medical issues over the phone or through online video consultation.

The differences among the plans are mostly the level of coverage. The Lite option offers the most basic coverage, and does not include certain coverages like Pre-existing condition waiver and Cancel for Any Reason. The SE option is the one that provides medium range coverage; the LX option offers the most extensive benefit features and amounts among all the options. You can see the amounts listed in the comparison brochure.

iTravelInsured Travel SE can cover Monkeypox and will treat it the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed your home country. For more information regarding Monkeypox and travel insurance, review the blog about Monkeypox.

The iTravelInsured Travel SE plan does not cover for the Monkeypox vaccine, but will cover Monkeypox treatment and services the same as any other eligible condition if the virus was contracted after the policy effective date. Preventative care related to Monkeypox is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.

If your original payment method is invalid, refunds require a wire/ACH transfer. Please provide complete account holder details, including full address, account type (checking/savings), bank information, and complete addresses for processing.

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Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

Generali Premium

Key Trip Insurance Benefits

Eligibility

Travel Coverage

Emergency Services

COVID-19 Benefits

Other

Generali Premium Exclusions

Generali Premium FAQs

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