Travel Insurance Reviews Generali Global Assistance Premium
The Premium plan provides travelers with the highest level of coverage of the 3 comprehensive plans offered by Generali Global Assistance. This plan offers comprehensive trip cancellation and trip interruption coverage if you have to cancel or interrupt for one of the listed covered reasons, additional Cancel for Any Reason to residents of most states if all eligibility requirements are met, and world-wide emergency assistance services.
To learn more, see the Generali Global Assistance Premium product page.
The trip included a
cruise
Generali Global Assistance
Premium
Comforting option to have even if you don't want to have to use it!
Ralph E. would
recommend this plan to a friend or relative.
The trip included a
cruise
Generali Global Assistance
Premium
thank goodness we never had to use our insurance plan ---but we were glad to know we had it. It was the first time we've purchased any travel coverage, and glad to have the peace of mind traveling out of the country. We took it with us on all our tours. the plan covered what we wanted and the price was really fair! I would definitely recommend this to anyone who travels.
Raymond S. would
recommend this plan to a friend or relative.
The trip included a
cruise
Generali Global Assistance
Premium
Knowing you had it and not using it is hard to make a judgement on how great the coverage was. What was covered looked great on paper and it was ready to claim at any moment if there was a problem.
Jason W. would
recommend this plan to a friend or relative.
The trip included a
cruise
Generali Global Assistance
Premium
I purchased a plan through CSA for a cruise I was taking with my 80+ year old parents in this past October. My parents also purchased travel insurance through insuremytrip, but with another carrier. I've purchased trip insurance a dozen or more times in the past and luckily, never had to make a claim.
Well this time, lo and behold, my poor mother fell and broke her hip 12 days prior to our departure date. I immediately started my claim. I had a difficult time getting my mother's orthopedic surgeon's office to complete CSA's Physician Statement form because the office said it was a HIPAA violation - regardless of the fact that my mother had signed a release specifically allowing them to disclose that information to CSA. Since my mother had also purchased insurance and her surgeon DID complete her carrier's Physician's Statement form, I submitted a copy of that one to CSA and asked if they would take it instead of their own form and apparently they did because my claim was subsequently approved and I was reimbursed the entire cruise fare and my airfare!
I must admit I was worried for a time because I got the feeling they were not going to approve the claim. I am completely satisfied with the process, which understandably, was a lot of paperwork and several hoops to jump through, but I would not hesitate in the future to purchase another plan through CSA....although they may not be keen on insuring somebody in the future that they had to pay out on. I'll have to test that out.
Well this time, lo and behold, my poor mother fell and broke her hip 12 days prior to our departure date. I immediately started my claim. I had a difficult time getting my mother's orthopedic surgeon's office to complete CSA's Physician Statement form because the office said it was a HIPAA violation - regardless of the fact that my mother had signed a release specifically allowing them to disclose that information to CSA. Since my mother had also purchased insurance and her surgeon DID complete her carrier's Physician's Statement form, I submitted a copy of that one to CSA and asked if they would take it instead of their own form and apparently they did because my claim was subsequently approved and I was reimbursed the entire cruise fare and my airfare!
I must admit I was worried for a time because I got the feeling they were not going to approve the claim. I am completely satisfied with the process, which understandably, was a lot of paperwork and several hoops to jump through, but I would not hesitate in the future to purchase another plan through CSA....although they may not be keen on insuring somebody in the future that they had to pay out on. I'll have to test that out.
Patti M. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
Generali Global Assistance
Premium
My wife required hospitalization and medical repatriation from the Caribbean. The service provided to arrange transportation home was first rate and they were in contact with us daily until we arrived home.
A significant part of the cost incurred is on a reimbursement basis (the hospital required upfront payment for all medical expenses) and I've just begun the process to be reimbursed for that, so I can't yet comment on the speed and completeness of the reimbursement.
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After many months we finally have received all payments due from CSA. The problem didn't lie with CSA but with my wife's primary health insurer. The travel insurance is secondary so we had to submit claims through her health insurance and receive EOBs showing what the primary insurance paid before CSA would reimburse for the rest of the expenses. The primary insurer asked for additional documentation about a month after receiving the claim and then apparently misplaced my response for several months until I called to ask what was going on. The person I spoke to found the paperwork quickly and did whatever was needed to process the claim. When I finally had all the payment from the primary insurer I submitted the EOBs to CSA and they quickly and completely paid what my wife's medical insurance didn't cover.
There was one element of the claims experience where I wasn't completely satisfied with CSA's resolution of the claim. We were on a cruise when my wife got sick and we had to leave the ship at that time. The stated Trip Interruption coverage said they would reimburse either to get me home or to rejoin the originally scheduled trip (my wife's medical evacuation was paid up front by CSA). Since most of our luggage was still on the ship and our car was at the port in New York City, I met the ship when it arrived in New York to retrieve the luggage and car. CSA wouldn't reimburse my train ticket to New York since I had gone home (with my wife) to Pennsylvania before heading to New York. They claimed my trip ended at that point even though I had to meet the ship in New York (had to continue my trip from that point) in order to retrieve my luggage and car. In the grand scheme the amount involved wasn't large ($130 or so) so after the claims agent's supervisor reiterated their rejection of that part of the claim I didn't pursue the matter further.
But overall I was satisfied with the resolution of the other elements of the claim and the speed with which it was completed. I've purchased the same policy for our upcoming trip this holiday season.
A significant part of the cost incurred is on a reimbursement basis (the hospital required upfront payment for all medical expenses) and I've just begun the process to be reimbursed for that, so I can't yet comment on the speed and completeness of the reimbursement.
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After many months we finally have received all payments due from CSA. The problem didn't lie with CSA but with my wife's primary health insurer. The travel insurance is secondary so we had to submit claims through her health insurance and receive EOBs showing what the primary insurance paid before CSA would reimburse for the rest of the expenses. The primary insurer asked for additional documentation about a month after receiving the claim and then apparently misplaced my response for several months until I called to ask what was going on. The person I spoke to found the paperwork quickly and did whatever was needed to process the claim. When I finally had all the payment from the primary insurer I submitted the EOBs to CSA and they quickly and completely paid what my wife's medical insurance didn't cover.
There was one element of the claims experience where I wasn't completely satisfied with CSA's resolution of the claim. We were on a cruise when my wife got sick and we had to leave the ship at that time. The stated Trip Interruption coverage said they would reimburse either to get me home or to rejoin the originally scheduled trip (my wife's medical evacuation was paid up front by CSA). Since most of our luggage was still on the ship and our car was at the port in New York City, I met the ship when it arrived in New York to retrieve the luggage and car. CSA wouldn't reimburse my train ticket to New York since I had gone home (with my wife) to Pennsylvania before heading to New York. They claimed my trip ended at that point even though I had to meet the ship in New York (had to continue my trip from that point) in order to retrieve my luggage and car. In the grand scheme the amount involved wasn't large ($130 or so) so after the claims agent's supervisor reiterated their rejection of that part of the claim I didn't pursue the matter further.
But overall I was satisfied with the resolution of the other elements of the claim and the speed with which it was completed. I've purchased the same policy for our upcoming trip this holiday season.
Peter H. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
Generali Global Assistance
Premium
Getting older = getting insurance. Reading more about people cancelling their trips for various reasons and getting stuck with the trip costs. Insurance is not cheap - it adds up if you travel a lot and get it every time. BUT, considering the alternative, and most health care plans do not cover you outside the country, it's protection from a possible catastrophe.
Keith D. would
recommend this plan to a friend or relative.
The trip included a
cruise
Generali Global Assistance
Premium
I searched for trip insurance for a while and found CSA to be good coverage for fair price.
Susan D. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
Generali Global Assistance
Premium
We have purchased this plan before and noticed that the price has increased greatly for the coverage it offered. Never had a claim yet.
Bebi H. would
recommend this plan to a friend or relative.
The trip included a
cruise
Generali Global Assistance
Premium
TOO EXPENSIVE
Trudy F. would not
recommend this plan to a friend or relative.
The trip included a
cruise
Generali Global Assistance
Premium
Unfortunately had to cancel cruise night before leaving due to illness. Submitted required paperwork and claim check is said to be on the way. Fast, efficient and appreciated.
Dorothy H. would
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
In the future, we recommend that you contact InsureMyTrip at 800-487-4722 within 10 days of your Initial Trip Payment for a quote. Since most companies provide the Pre-Existing Condition Waiver if you purchase their plan within 10 to 30 days of your Initial Trip Payment, we may be able to provide you with more competitive pricing.