Generali Standard

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.

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.

Generali Standard 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.

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

The Generali Standard 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 Standard 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 10 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 Standard does not offer an optional Cancel for Any Reason benefit. Alternatively, you may consider the Generali Premium plan, which offers the optional Cancel for Any Reason benefit. The benefit 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.

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.