Travel Insurance Reviews Generali Global Assistance
Formerly known as CSA Travel Protection, Generali Global Assistance combines customer-driven innovation and risk management to create strategic solutions for its customers. Benefits and pricing are built on common-sense needs. Generali Global Assistance is part of the multinational Generali Group, which for more than 185 years has built a presence in 60 countries with over 76,000 employees.
Learn more about General Global Assistance.
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
Generali Global Assistance
Preferred
We thankfully did not need to use the plan but the peace of mind was worth every cent!
Elizabeth R. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Generali Global Assistance
Preferred
Fortunately, I did not need to file a claim during my recent travel, so I cannot comment on how the actual coverage or service this travel insurance plan would provide. Yes, I would consider using this or similar insurance for travels in the future.
Raymond M. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Generali Global Assistance
Preferred
Having the plan was a piece of mind, but since we did not have to make a claim we really don't know how good the customer service was.
Buying the plan was easy and the price was very competitive with other companies.
Buying the plan was easy and the price was very competitive with other companies.
Stephen P. would
recommend this plan to a friend or relative.
Generali Global Assistance
Standard
Pleased with the coverage you were recommended by my daughter who made a claim and told me the claim was processed on time
Kikelomo T. would
recommend this plan to a friend or relative.
The trip included a
tour
Generali Global Assistance
Standard
Fortunately, I didn't need to use my coverage, but it gave me peace of mind to know my bucket-list trip to Japan was covered.
Derek K. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Generali Global Assistance
Standard
Thankfully, I did not have to use the plan, but have used them before because the sales associates are knowledgeable and the price is more competitive than other companies.
Sharon H. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
tour
Generali Global Assistance
Preferred
As we did not need to use the Generali Global Assistance Preferred plan I cannot provide any meaningful feedback as to how well it worked. Glad I had the backup if I had needed it.
Richard H. would
recommend this plan to a friend or relative.
The trip included a
cruise
Generali Global Assistance
Premium
I did not file a claim this time but I have in the past with no problems. Its good to have a peace of mind when traveling.
Crystal P. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Generali Global Assistance
Standard
Great service - fast and efficient.
Lynn R. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
"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."