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To find the best travel insurance plan for your trip, you want to know which plans worked well for other customers. All of our travel insurance reviews were submitted by customers who purchased a plan on our site. These reviews cover the spectrum including travel health insurance, cruise insurance, comprehensive travel insurance and last minute travel insurance.
How We Count Reviews: Our online review database contains over 100k reviews and ratings collected directly from customers via our site and third-party platforms. All reviews have been verified as honest ratings from real travelers like you.
InsureMyTrip evaluates all of the reviews posted on the site. "Anytime Advocates" - a team of licensed, uncommissioned travel insurance representatives - are available to assist any customer who may need help facilitating a claim or answering questions about a purchased plan before, during or after their trip.
The trip included a
tour
Generali Global Assistance
Standard
Warning: Before purchasing and paying any premium for travel insurance make sure you read the actual policy and review EVERY possible reason that that travel insurance company could use to deny your claim.
Michele S. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
-
Angie
Thank you for your feedback, Michele. We're sorry to hear about the circumstances surrounding your claim and apologize for not meeting your expectations. We want our customers to choose the correct policy to fit their needs and cannot stress enough that it is important to review the coverage details of our plans via the Plan Document that’s provided at the time of purchase, and contact us at (800) 348-9505 or via email at [email protected] with any additional questions. We have dedicated customer service representatives who can clarify the plan terms and conditions and guide you towards the best coverages. While the plan you purchased includes approximately 20 different covered events that can qualify for Trip Cancellation coverage, the plan is unfortunately unable to provide coverage for every event that might cause you to cancel. If there is something specific that you want to be sure is covered, please reach out to us before you purchase your plan. If you have any further questions, please reach out to us at the phone or email listed above.Nov 03,2023
The trip included a
tour
Generali Global Assistance
Standard
Over the past 2 weeks I have made 14 telephone attempts to obtain an answer as to why my claim was only partially paid. Multiple voicemails and internal memos have not been answered except for one, from a Gerard Pardieu, which was unintelligible. I have not been able to make a satisfactory connection with a claims representative and I am becoming very frustrated. I am in the process of filing a complaint with the State of Washington Insurance Commissioner.
Don P. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
-
Angie
Hello Don, and thank you for your feedback. We take customer service and the claims process very seriously and strive to process claims within 30 days from when they are received, although some cases can take longer. One of our dedicated claims team members will investigate your claim further and will follow up with you to provide additional information regarding the determination. Please feel free to reach out to us at 800-348-9505 or via email at [email protected] with any additional questions or concerns.
Oct 27,2023
The trip included a
cruise
tour
Generali Global Assistance
Standard
We bought travel insurance from Generali Global Assistance. About a month later I had mild back pain. I saw my doctor, he gave me some muscle relaxants and said I'd be fine and I specifically asked him if it was okay to go on my trip. He said yes.
While on my trip I suddenly experienced excruciating back pain. I saw the ship's doctor, got pain medication, rented a wheelchair, and my total medical bills during the trip were $1263.29.
I filed a claim with Generali. I included all of the receipts and documentation they asked for.
They denied my claim, based on the fact that the ship's doctor had written in my exam notes that my doctor at home had seen me for mild back pain before the trip.
Generali decided it was a pre-existing condition. I had MILD pain before I left on the trip. During the trip I developed a herniated disk (and have since had surgery for it.) The injury occurred DURING THE TRIP.
Generali didn't care. I asked if I could send them a letter from my doctor stating that he had told me I was fine and could go on my trip. Generali said it wouldn't matter, it was a pre-existing condition.
I asked if I could appeal the claim, I was told NO.
I asked them what would have happened if I had cancelled my trip because I developed mild back pain. They said I would not have been refunded my money because the medical issue was pre-existing, and the policy only covered medical issues that happened while on the trip.
Keep in mind, I had NO back pain at all and had not seen my doctor when I made the trip plans and purchased the insurance. Quite the Catch 22!
And if had a herniated disk BEFORE I went on the trip, I wouldn't have been able to walk. The herniated disk happened DURING the trip, and I was unable to walk.
But because I had been honest when speaking to the ship's doctor and told him I'd seen my doctor at home for mild back pain before the trip, and my doctor gave me some muscle relaxants and said I was fine, Generali still decided it was pre-existing. My home doctor specifically told me I was fine to go on the trip!
They had no appeal process, nor would they accept a letter from my doctor stating this was not pre-existing.
I DO NOT recommend Generali Global Assistance. They are a scam.
While on my trip I suddenly experienced excruciating back pain. I saw the ship's doctor, got pain medication, rented a wheelchair, and my total medical bills during the trip were $1263.29.
I filed a claim with Generali. I included all of the receipts and documentation they asked for.
They denied my claim, based on the fact that the ship's doctor had written in my exam notes that my doctor at home had seen me for mild back pain before the trip.
Generali decided it was a pre-existing condition. I had MILD pain before I left on the trip. During the trip I developed a herniated disk (and have since had surgery for it.) The injury occurred DURING THE TRIP.
Generali didn't care. I asked if I could send them a letter from my doctor stating that he had told me I was fine and could go on my trip. Generali said it wouldn't matter, it was a pre-existing condition.
I asked if I could appeal the claim, I was told NO.
I asked them what would have happened if I had cancelled my trip because I developed mild back pain. They said I would not have been refunded my money because the medical issue was pre-existing, and the policy only covered medical issues that happened while on the trip.
Keep in mind, I had NO back pain at all and had not seen my doctor when I made the trip plans and purchased the insurance. Quite the Catch 22!
And if had a herniated disk BEFORE I went on the trip, I wouldn't have been able to walk. The herniated disk happened DURING the trip, and I was unable to walk.
But because I had been honest when speaking to the ship's doctor and told him I'd seen my doctor at home for mild back pain before the trip, and my doctor gave me some muscle relaxants and said I was fine, Generali still decided it was pre-existing. My home doctor specifically told me I was fine to go on the trip!
They had no appeal process, nor would they accept a letter from my doctor stating this was not pre-existing.
I DO NOT recommend Generali Global Assistance. They are a scam.
Anna Marie F. would not
recommend this plan to a friend or relative.
8 of
8 people found this review helpful
-
Mike
Thank you for your feedback on your policy. We have sent your comments to your provider and they have replied with the following:
"We're sorry to hear about the circumstances surrounding your claim, and for not meeting your expectations. We want our customers to understand the coverage details of our plans and stress the importance of reviewing these details via the sample Description of Coverage/Insurance Policy that’s provided at the time of purchase, and contacting (800) 348-9505 or [email protected] with additional questions. The plan you purchased includes medical coverage resulting from a sickness that first manifests itself or an injury that occurs while on a trip as outlined on your coverage details. If you have further questions, please contact us at the phone number or email above."Oct 25,2019
Generali Global Assistance
Standard
I never went on the trip filed a claim with Doctors letter etc. No response from Global Assistance and they did nothing except kept my money to them. A scam do not use them.
Robert G. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
-
MichaelG
There must be more to the story.Nov 27,2023
Generali Global Assistance
Preferred
How are you supposed to make a claim
When no-one answers the phone, or responds to emails. I have sent 3 emails and called 5 times and not a single answer. This is unacceptable! I took this policy based on a Clark Howard recommendation, and if I can’t make a claim, then what’s the point!
When no-one answers the phone, or responds to emails. I have sent 3 emails and called 5 times and not a single answer. This is unacceptable! I took this policy based on a Clark Howard recommendation, and if I can’t make a claim, then what’s the point!
JENNIFER T. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
The trip included a
cruise
tour
Generali Global Assistance
Standard
Generali insisted that we could not receive reimbursement after cancellation due to a medical condition. The condition was a sudden increase in falls while walking that occurred around the beginning of May , end of April. The treatment needed was purchase and use of a cane, prescribed by a physical therapist. Doctor visit was not necessary, although we did follow up later with the doctor, after cancelling the trip. I consider the refusal of coverage to have been borderline fraudulent.
Leslie F G. would not
recommend this plan to a friend or relative.
Generali Global Assistance
Vacation Rental Damage Plan
Temporary insurance is always a waste of money.
Kevin K. would not
recommend this plan to a friend or relative.
John Hancock
Gold
I called twice while on my trip to get some information about what was covered because we ran into some problems. Both times they could not answer my questions and told me they'd have someone from John Hancock call me back. I never received a return phone call. A total waste of money!
Tanya B. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
John Hancock
Gold
I ended up not going. After getting the run a round about who to file a claim with for the cancellation for any reason because I was told I was one day late---then when I spoke with the agent about getting a cancellation due to medical reasons because I had 8 appointments at Mayo Clinic in Jacksonville, I was told i needed to get proof that I had medical reasons, the problems, and the reason that my appointments were required to take place during the time I was supposed to travel.
I have had more pleasant experiences with other companies and I will return to using other companies for my next trip.
You guys blew it!
I have had more pleasant experiences with other companies and I will return to using other companies for my next trip.
You guys blew it!
Eric L. would not
recommend this plan to a friend or relative.
5 of
5 people found this review helpful
-
Zac
Thank you for your feedback on the policy. We appreciate your business, and are sorry to learn that you were unable to travel. We hope that you find this email informative and useful for future travel insurance inquiries.
The number one covered reason for Trip Cancellation on the John Hancock Insurance Agency, Inc. Gold plan is an:
"Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your
Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date."
In order to receive reimbursement for your covered trip cost, you must complete and submit a Trip Cancellation claim from to the claim administrator. A section of the claim from must be completed and signed by the treating physician because the trip was cancelled due to medical reason. This is industry standard protocol. We would be happy to assist you with any questions or concerns. Our toll free phone number is 800-472-4722.Jan 19,2016
John Hancock
Silver
We did not file a claim. However, when one of our bags was lost for for 30 hours by the airline, I expected this to be covered by the "delayed" baggage protection, only to find that since we had returned home, it was not covered, since the insurer explained that this bag was not delayed, but lost. To me, the bag was delayed. When I called the Insurer to discuss our lost bag, I was told that the plan would only cover the loss AFTER the airline paid for the loss and we retrieved the appropriate paperwork from the airline, filed all paperwork, and only then our trip insurance would pay the difference if there was any, between the amount the airline paid and what our insurance covered for a lost bag. This was disappointing. I purchased insurance coverage expecting it NOT to be a secondary payout. And a delayed bag is a delayed bag. Period. Eventually the bag turned up. It was a hassle, it took my time to figure out what was happening with the airline and the insurance company, and in the end, I don't think the insurance was worth it and I would not recommend.
Ryan S. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful