On this page14 sections
- Ratings and complaints
- Generali vs. competitors
- Pricing
- Step by step
- Generali travel insurance legitimacy and licensing
- Generali and Redion: what changed in 2026
- Generali plans and what they cover
- Cancel for Any Reason and pre-existing conditions
- Generali complaints and how to avoid claim problems
- Cancelling a Generali policy
- The rules that protect you
- What customers say
- Alternatives
- FAQ
Generali travel insurance's Premium plan offers $250,000 medical and $1,000,000 evacuation, and only Premium covers pre-existing conditions or allows Cancel for Any Reason, which reimburses 60% of the penalty and must be bought within 24 hours of your first deposit. It is legitimate: plans are sold by CSA Travel Protection, doing business as Generali Global Assistance, and underwritten by Generali U.S. Branch (NAIC 11231), and the BBB rates the seller A+. Claims service is the weak spot: the BBB lists 633 complaints in three years and 39% of Trustpilot reviews are one star. In June 2026 Generali renamed its global assistance unit Redion; the US site still sells under the Generali name and contracts are unchanged.
Your options
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Freely Alternative Healthy U.S. travelers who want solid medical and evacuation coverage and like adding ski, adventure or rental car coverage only on the days they need it.
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InsureMyTrip Alternative Travelers with fixed trip dates and costs who want to compare several insurers' plans with a licensed agent's help.
- Seller
- CSA Travel Protection, doing business as Generali Global Assistance; part of Generali's care unit, renamed Redion in June 20261
- Underwriter
- Generali U.S. Branch, New York, NY, NAIC 11231, the US office of Assicurazioni Generali S.p.A.4
- Plans
- Standard, Preferred and Premium single-trip plans for US residents; prices by quote only2
- Top medical limits
- Premium: $250,000 medical and dental, $1,000,000 emergency assistance and transportation2
- Cancel for Any Reason
- Premium only; reimburses 60% of the penalty amount; buy within 24 hours of initial deposit; not for New York residents2
- Pre-existing conditions
- Premium only; buy before or within 24 hours of final trip payment and insure all prepaid trip costs3
- Free look
- 10 to 15 days in most states, 30 days in Indiana, if you haven't filed a claim or left on your trip3
- Claims deadline
- Within one year of a covered loss5
Pros
- Up to $1,000,000 emergency transportation on Premium
- Pre-existing condition coverage available on Premium
- 24-hour assistance, telemedicine and ID theft help on every plan
- Sporting equipment coverage on Preferred and Premium
- BBB A+ and accredited since 2009
Cons
- Cancel for Any Reason pays only 60% and must be bought within 24 hours of first deposit
- Standard plan medical limit is $50,000
- No published prices
- 633 BBB complaints in three years, many about claims
- Not sold to non-US residents and excludes many destinations
Best for: US travelers who book a cruise or tour, buy right after their first deposit and want high evacuation limits.
Skip it if: You need more than 24 hours to decide on Cancel for Any Reason or pre-existing condition coverage.
Generali vs. competitors
| Company | Top plan medical | Evacuation | Cancel for Any Reason | Pre-existing coverage: buy within | Free look | Next step |
|---|---|---|---|---|---|---|
| Generali Global Assistance (Premium) | $250,000 | $1,000,000 | 60%, Premium only, within 24 hours of first deposit | 24 hours of final trip payment | 10 to 15 days (30 in Indiana) | |
| Allianz Travel (OneTrip Prime) | $50,000 | $500,000 | Cancel Anytime, 80% | 14 days of first trip payment | 15 days or longer by state | Visit site |
| Travel Guard (Deluxe) | $150,000 | $1,000,000 | Typically 50%, Preferred and Deluxe | 15 days of first trip payment | 15 days | Read review |
| Seven Corners (Choice) | $500,000 (primary) | $1,000,000 | 75%, Basic and Choice, not in New York | 20 days of first trip payment | 14 days | Read review |
Travel insurance we reviewed
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Generali This review BestGuide rating: 3.8 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: US travelers who book a cruise or tour, buy right after their first deposit and want high evacuation limits. -
Freely BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Healthy U.S. travelers who want solid medical and evacuation coverage and like adding ski, adventure or rental car coverage only on the days they need it. -
InsureMyTrip BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Travelers with fixed trip dates and costs who want to compare several insurers' plans with a licensed agent's help. -
WorldTrips BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: U.S. travelers who want strong primary medical and evacuation coverage with trip cancellation, or travelers who need medical-only coverage for long stays abroad. -
Allianz BestGuide rating: 4.3 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Large U.S. companies and multinationals that need specialty or cross-border coverage placed through a broker. -
Faye BestGuide rating: 4.3 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: U.S. travelers who want primary medical coverage abroad and prefer to handle the whole policy, including claims, in an app. -
World Nomads BestGuide rating: 4.0 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Backpackers, solo travelers and adventure travelers who want activities like diving, skiing and trekking covered without extra riders. -
Seven Corners BestGuide rating: 3.8 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Travelers outside New York who want Cancel for Any Reason or primary medical coverage on a mid-priced plan.
Generali pricing at a glance
Generali Global Assistance plan limits per person, as listed October 20262
| Coverage | Standard | Preferred | Premium |
|---|---|---|---|
| Trip cancellation | 100% of trip cost | 100% of trip cost | 100% of trip cost |
| Trip interruption | 125% | 150% | 175% |
| Travel delay | $1,000 ($150 a day) | $1,000 ($200 a day) | $1,000 ($300 a day) |
| Baggage | $1,000 | $1,500 | $2,000 |
| Baggage delay | $200 | $300 | $500 |
| Missed connection | $500 | $750 | $1,000 |
| Medical and dental | $50,000 | $150,000 | $250,000 |
| Emergency assistance and transportation | $250,000 | $500,000 | $1,000,000 |
| Pre-existing conditions | Not covered | Not covered | Covered if requirements met |
| Cancel for Any Reason | Not available | Not available | Optional, 60% of penalty |
| Rental car damage ($25,000) | Optional | Optional | Included |
Generali doesn't publish prices; you get a quote based on trip cost, ages, dates and state. The NAIC says travel insurance typically costs 5% to 10% of the trip price. Rental car damage isn't available to Texas residents.
Generali, step by step
Get a quote
Enter trip dates, destination, total prepaid nonrefundable cost and traveler ages on Generali's site; it shows Standard, Preferred and Premium prices.
Buy at the right time
Buy Premium within 24 hours of your first deposit if you want Cancel for Any Reason, and within 24 hours of final payment for pre-existing condition coverage.
Review during the free look
Read the policy for your state. You can cancel for a full refund within 10 to 15 days in most states if you haven't filed a claim or left.
Call assistance while traveling
Every plan includes 24-hour travel support, telemedicine and help arranging care abroad.
File a claim
Start a claim in the eClaims portal with your policy number and upload receipts and proof. Claims must be filed within one year of the loss.
Generali travel insurance legitimacy and licensing
Yes. The plans are sold by CSA Travel Protection, doing business as Generali Global Assistance, which was known as CSA Travel Protection before the Generali rebrand and cites a 30-year record. Coverage is underwritten by Generali U.S. Branch (NAIC 11231), the US office of Italy’s Assicurazioni Generali, which says the branch is licensed in all states. The BBB rates Generali Global Assistance A+ and has accredited it since 2009.
Legitimate doesn’t mean easy claims. The BBB lists 633 complaints in three years, and on Trustpilot 39% of 890 reviews are one star, mostly about denied or slow claims.
Generali and Redion: what changed in 2026
On June 15, 2026, Generali renamed its global care unit, which included Europ Assistance and Generali Employee Benefits, as Redion. Generali said contracts, service teams and phone numbers stay the same. The US travel site still sells plans as Generali Global Assistance, links to a new Redion travel insurance site, and lists Generali U.S. Branch as the underwriter. If your documents or emails say Redion, it’s the same company.
Generali plans and what they cover
All three plans cover 100% of trip cost for cancellation. Standard is aimed at US trips and covers $50,000 in medical and dental and $250,000 in emergency transportation. Preferred raises those to $150,000 and $500,000 and adds sporting equipment coverage. Premium raises them to $250,000 and $1,000,000, includes rental car damage up to $25,000, and is the only plan with pre-existing condition coverage and the Cancel For Any Reason (CFAR). An optional upgrade that refunds a set percentage of nonrefundable costs if you cancel for any reason. Compare travel insurance upgrade.
Every plan includes 24-hour travel support, telemedicine, concierge and identity theft resolution services. Plans are only sold to US residents, and Generali can’t cover trips to a long list of countries, including Cuba, Russia, Ukraine, Israel and the Middle East.
What customers say about Generali
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- Simple online purchase
- Competitive prices
- Fast payment on some approved claims
Common complaints
- Claims denied over strict policy conditions
- Long waits and hard-to-reach representatives
- Claims portal that rejects uploads or asks for more documents
- Slow decisions and delayed reimbursements
Cancel for Any Reason and pre-existing conditions
Generali’s Cancel for Any Reason upgrade reimburses 60% of the penalty amount, which is less than the 75% to 80% some competitors offer. You can only add it to Premium, only within 24 hours of your initial trip deposit, and it isn’t sold to New York residents. You must also insure all prepaid nonrefundable trip costs.
Pre-existing medical conditions are covered on Premium only if you buy before or within 24 hours of your final trip payment, are medically able to travel when you buy, and insure all prepaid trip costs. Allianz and Travel Guard give you 14 to 15 days after your first payment.
Generali complaints and how to avoid claim problems
Most complaints are about claims: denials for reasons travelers didn’t expect, requests for more documents, a portal that rejects uploads, and slow payment. To lower the risk:
- Read the plan documents for your state before the free look ends, especially the list of covered reasons.
- Insure your full prepaid trip cost if you want pre-existing or Cancel for Any Reason coverage.
- Get written proof for everything: doctor’s notes, airline delay letters, receipts.
- File within one year, and as soon as you can.
- If a claim stalls, file a complaint with your state insurance department.
Cancelling a Generali policy
You can cancel online for a full refund during the free look period, which is 10 to 15 days from purchase in most states and 30 days for Indiana residents, as long as you haven’t filed a claim or left on your trip. After that, the premium is generally not refundable, though you can modify the plan, for example to change trip dates.
The rules that protect you
Travel insurance is regulated by each state’s insurance department, which licenses the underwriter and takes complaints about claim handling. You can look up Generali U.S. Branch by its NAIC number, 11231, in your state’s company search or the NAIC’s consumer insurance search. Plan terms vary by state, so the documents for your state control.
Alternatives to Generali
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AIG Travel GuardA 15-day window after your first payment for pre-existing coverage and Cancel for Any Reason, versus Generali's 24 hours.
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Kids 17 and under covered free on OneTrip Prime and an 80% Cancel Anytime upgrade.
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Seven Corners
75% Cancel for Any Reason on its Basic and Choice plans, outside New York.
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Your credit card's trip protection
Many travel cards include trip cancellation and delay coverage at no extra cost when you pay with the card; check its benefits guide before you buy a policy.
Next steps
Generali reviews
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Frequently asked questions
Is Generali travel insurance any good?
Its Premium plan has high medical and evacuation limits and covers pre-existing conditions. Claims service draws many complaints, and its Cancel for Any Reason benefit is smaller and harder to qualify for than some rivals'.
Who underwrites Generali travel insurance?
Generali U.S. Branch in New York, NAIC 11231, the US representative office of Assicurazioni Generali S.p.A.
Is Generali Global Assistance now Redion?
Generali renamed its global assistance and employee benefits unit Redion in June 2026. The US travel site still sells under the Generali Global Assistance name, and Generali said contracts and phone numbers didn't change.
How much does Generali travel insurance cost?
Generali doesn't publish prices; it quotes by trip cost, traveler ages, dates and state. The NAIC says travel insurance typically runs 5% to 10% of the trip price.
Does Generali offer Cancel for Any Reason?
Yes, as an add-on to the Premium plan only. It reimburses 60% of the penalty amount, must be bought within 24 hours of your initial deposit and isn't available to New York residents.
Does Generali cover pre-existing conditions?
Only on the Premium plan, and only if you buy before or within 24 hours of final trip payment, are medically able to travel and insure all prepaid trip costs.
How long does a Generali claim take?
Generali doesn't publish a processing time. Claims must be filed within one year of the loss, and many complaints describe weeks of back and forth over documents.
Can I cancel my Generali policy for a refund?
Yes, during the free look period: 10 to 15 days in most states and 30 days in Indiana, if you haven't filed a claim or started your trip.
What is Generali's BBB rating?
A+, and it has been BBB accredited since January 2009. The BBB also lists 633 complaints in the last three years.
Was Generali Global Assistance formerly CSA Travel Protection?
Yes. The site's legal notice still reads CSA Travel Protection doing business as Generali Global Assistance.
Sources (12)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- Generali Global Assistance: Travel insurance home page and legal notice (accessed October 12, 2026)
- Generali Global Assistance: Compare travel insurance plans (accessed October 12, 2026)
- Generali Global Assistance: FAQs (accessed October 12, 2026)
- Generali Global Assistance: Our underwriter (accessed October 12, 2026)
- Generali Global Assistance: How to start a claim (accessed October 12, 2026)
- Redion: Europ Assistance and Generali Employee Benefits are now Redion (accessed October 12, 2026)
- Redion Travel Insurance (accessed October 12, 2026)
- Antara News: Generali reveals Redion (press release, June 15, 2026) (accessed October 12, 2026)
- BBB: Generali Global Assistance (accessed October 12, 2026)
- Trustpilot: Generali Travel USA reviews (accessed October 12, 2026)
- NAIC: Should I get travel insurance? (accessed October 12, 2026)
- Seven Corners: Trip Protection Basic and Choice (accessed October 13, 2026)
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