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Generali Global Assistance
Standard
At first I thought it was a misunderstanding that would be remedied once we discussed the matter. My wife and I planned to take family members on a trip to France. We undertook to pay for lodging and train travel in Europe. They would only have to pay for air fare and incidentals. And for one cousin who is celebrating a significant birthday this year, we went a step farther and undertook to pay her air fare from SFO to Paris. Knowing how much we were likely to spend for all of this we insured the trip for $9,500.
Shortly before the trip my wife was injured and hospitalized. The trip was cancelled and we filed a claim for trip cancellation coverage. Generali reimbursed us for all of the payments we made that were non-refundable (including payments for train tickets for our party of six, multiple hotel rooms for all of us, and a house rental in Brittany). But it declined to compensate us for the air fare we paid for my cousin because, they said, she wasn't an insured party.
I communicated with Generali and explained what I believe is self-evident. The risk I insured against was the risk of losing up to $9,500 is payments I made for my trip and Generali's policy provided that "Benefits will be paid, up to the amount in the Schedule, for...Payments that you paid for your Trip." I wasn't claiming benefits for my cousin. She didn't make any payments for air fare and had no risk of losing any such payments so even if she had been insured she would not have been able to claim benefits for lost air travel payments. I was claiming the benefit for my wife and me since we were the ones who paid the $1,800 in air fare, faced the risk of loss of that payment if the trip was cancelled, and were the parties Generali agreed to insure against that very risk.
After failing to get anywhere by communicating with Generali in writing, I was finally able to speak with a Claims Manager by phone. I explained my logic and she agreed, my reasoning was sound! Nevertheless, she insisted "that's not how the policy works" and refused to consider the matter further. She asserted that Generali only pays benefits for reservations that are in the name of an insured, even if an insured party paid for the reservation. (As for the benefit for payments I made for train tickets for six passengers, that was "a mistake" she said.)
I'm now persuaded that this is not a simple misunderstanding but a deliberate policy or practice that amounts to an intentional breach of contract by Generali. I intend to pursue the matter further and am confident I will eventually succeed in getting Generali to live up to its commitment. However, others should be very cautious about dealing with Generali.
Shortly before the trip my wife was injured and hospitalized. The trip was cancelled and we filed a claim for trip cancellation coverage. Generali reimbursed us for all of the payments we made that were non-refundable (including payments for train tickets for our party of six, multiple hotel rooms for all of us, and a house rental in Brittany). But it declined to compensate us for the air fare we paid for my cousin because, they said, she wasn't an insured party.
I communicated with Generali and explained what I believe is self-evident. The risk I insured against was the risk of losing up to $9,500 is payments I made for my trip and Generali's policy provided that "Benefits will be paid, up to the amount in the Schedule, for...Payments that you paid for your Trip." I wasn't claiming benefits for my cousin. She didn't make any payments for air fare and had no risk of losing any such payments so even if she had been insured she would not have been able to claim benefits for lost air travel payments. I was claiming the benefit for my wife and me since we were the ones who paid the $1,800 in air fare, faced the risk of loss of that payment if the trip was cancelled, and were the parties Generali agreed to insure against that very risk.
After failing to get anywhere by communicating with Generali in writing, I was finally able to speak with a Claims Manager by phone. I explained my logic and she agreed, my reasoning was sound! Nevertheless, she insisted "that's not how the policy works" and refused to consider the matter further. She asserted that Generali only pays benefits for reservations that are in the name of an insured, even if an insured party paid for the reservation. (As for the benefit for payments I made for train tickets for six passengers, that was "a mistake" she said.)
I'm now persuaded that this is not a simple misunderstanding but a deliberate policy or practice that amounts to an intentional breach of contract by Generali. I intend to pursue the matter further and am confident I will eventually succeed in getting Generali to live up to its commitment. However, others should be very cautious about dealing with Generali.
Peter L. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
Travelex
Travel Select
Since we didn't have reason to use the plan, hard to give it a rating, "when the rubber hits the road".
Raymond L. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
HTH Worldwide
Trip Protector Classic
Insure My Trip staff were extremely helpful when the dates of my trip changed. Their service was outstanding!
Robert G. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
-
Carol
Thank you for taking time to reply. Both HTH Worldwide and InsureMyTrip appreciate your 5 star review.
Once we received your request to change your travel dates, InsureMyTrip forwarded your information to HTH Worldwide who agreed to amend your policy to cover the new travel dates. We hope that you enjoyed your trip.Jul 16,2019
The trip included a
tour
Travelex
Travel Basic
Didn't use it - luckily!
Lynda M. would
recommend this plan to a friend or relative.
AIG Travel
Travel Guard MedEvac Plan
Although we did not need to use the plan it was great having it. It provided a peace of mind at a reasonable cost.
Patrick K. would
recommend this plan to a friend or relative.
AXA Assistance USA
Gold
I will use you guys again.
Sean H. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
AXA Assistance USA
Platinum
When you call for advice, reps are pleasant, well trained and very helpful.
Annette Ethal H. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
IMT
Travel Accident Plan
Plan worked: I’m still breathing.
Daniel J. would
recommend this plan to a friend or relative.
International Medical Group
iTravelInsured LX
Luckily, we did not need to file any claims. However, when we were evaluating plans, the customer service rep we spoke to was very helpful and explained and answered all of my questions. I felt confident that the coverage we had was reasonable and met our needs. I liked the app that provided the documents and emergency phone numbers on my iPhone. We would choose this plan again for future international travels.
Doris F. would
recommend this plan to a friend or relative.
Generali Global Assistance
Premium
Was happy with coverage but didn't have to file a claim so I can't give a review on the claims process.
David P. would
recommend this plan to a friend or relative.
"We're sorry to hear about your negative experience and apologize for not meeting your expectations. Our goal is to provide a prompt and courteous claim experience to all of our customers. We are looking into this further and one of our dedicated team members will get back with you soon. Please contact (800) 348-9505 or [email protected] if you have additional questions."