Company Overview
In a perfect world, we would never have to change plans or delay a trip or vacation. Since plans do change and you may need extra protection to cover your travel-related expenses, there is travel insurance. One company to consider for your travel insurance needs is Generali Global Assistance, formerly known as CSA Travel Protection Insurance Company, which has been providing protection for travelers since 1991. Even though the company rebranded in 2017 to Generali Global Assistance, there are travel insurance plans that still carry the CSA Travel Protection name.
The company’s U.S. operations are based out of San Diego, California. Generali Global Assistance is owned by Europ Assistance Group (EA), which is a worldwide organization providing emergency assistance services and has been in business since 1963.
Financial Stability
Generali Group has an A (Excellent) rating with A.M. Best Insurance rating organization, as well as a stable A- rating with Fitch and a stable Baa1 rating with Moody's.
Better Business Bureau Rating
The Better Business Bureau (BBB) file was originally opened as the CSA Travel Protection Insurance Company in 1994 and has been an accredited business since 2009. Since the brand change, the customer service rating of Generali Global Assistance has since maintained its “A+” rating with the BBB. There are a total of 197 customer reviews with 556 total customer complaints in three years, as of Sept. 2021. Of those complaints; there were 443 with products/services, 13 with advertising/sales issues, 71 with billing/collection issues, 24 with guarantee/warranty issues, and 5 were delivery issues. Also, of these complaints, 98 were resolved to the customer’s satisfaction. The company has a composite score rating of 1.03 out of 5 stars.
Available Plans
Travel insurance plans available through Generali Global Assistance are the Standard, Preferred, and Premium plans. You can review the information for each plan, receive a quote, and buy coverage right from the Generali Global Assistance Travel Insurance website. Preferred offers the added benefits of covering sports equipment and Premium is designed for expensive cruises tours. All three plans offer a combination of the following travel insurance benefits:
- Trip Cancellation
- Trip Interruption
- Travel Delay
- Baggage
- Baggage Delay
- Missed Connection
- Medical & Dental
- Emergency Assistance & Transportation
- Accidental Death & Dismemberment, Air Flight Accident
Optional Features and Services
You have the option of adding these optional features and services through your Generali Global Assistance travel insurance plan:
- 24-Hour Emergency Assistance Services
- Telemedicine
- No Out-Off-Pocket Medical
- Identity Theft Resolution Services
- Concierge Services
- Rental Care Damage
- Trip Cancellation for Any Reason
Exclusions to Coverage
Generali Global Assistance travel insurance plans are not available for travel to Cuba, Syria, North Korea, Sudan, The Crimea Peninsula in Ukraine, or Iran.
Pros
The company has strong financial strength and customer service ratings from the BBB. Generali Global Assistance Travel Insurance has a 10-day free look clause meaning that you can change your mind within 10 days and receive a refund as long as you have not yet left for your trip. There are three travel insurance plans with comprehensive coverage options, making it an easy process to find the right travel insurance plan and buy your policy online.
Generali Global Assistance provides its customers with a 24/7 emergency assistance hotline available from anywhere in the world. There are attractive optional service options including concierge, identity theft resolution, and telemedicine services.
Cons
Read your description of coverage carefully. If you have homeowners or renters insurance, those policies are considered primary and Generali Global Assistance will only pay what your primary insurance policy does not pay. Some complaints from policyholders have stated that the policy language is confusing as to what is and is not a valid reason for canceling your trip.
The Bottom Line
It is a good idea to check and see how much coverage you have through other insurance policies before purchasing additional travel insurance. If you feel you need additional coverage than what you already have, Generali Global Assistance Travel Insurance is a good option to consider. They have solid financial strength ratings and have an “A+” rating from the Better Business Bureau. Generali Global Assistance travel insurance plans are customizable according to your travel insurance needs as well as offering attractive optional features.
Contact Information
To learn more about the travel insurance plans available or to receive a quote and purchase your policy, you may visit the Generali Global Assistance Travel Insurance Company website or call toll-free 800-874-2442 in the United States. You can also submit questions and comments by email at customerservice@generalitravelinsurance.com.
