Generali vs Travel Insured: Which Travel Insurance Is Better?

By Damian Tysdal, licensed travel insurance agent since 2006 · Published 13 September 2026

In shortBoth are on the comparison. Travel Insured Platinum out-carries Generali Premium on medical ($500,000 against $250,000) with the same $1,000,000 of evacuation, and Travel Insured Deluxe gives free children where Generali gives none. Generali Premium answers with 175 percent interruption, and Generali Preferred is a strong mid-range plan. The upgrade windows decide most cases: Travel Insured allows 14 or 21 days, Generali 24 hours.

On this page

The plans side by side
Where each one wins
The numbers that decide it
What it costs
What the plans say
Questions people also ask

Generali and Travel Insured sell to the same traveler and answer the same question differently: Generali puts its money into Premium’s $250,000 of medical and $1,000,000 of evacuation, Travel Insured into Deluxe’s $250,000 of medical and $500,000 of evacuation at a mid-range price. This page puts the plans side by side from the insurers’ own plan documents, says which one wins for each kind of trip, and shows the numbers that decide it.

The plans side by side

Plan	Emergency medical	Evacuation	Cancel for any reason	Pre-existing waiver window	Kids free
Generali Standard	$50,000	$250,000	No	None	No
Generali Preferred	$150,000	$500,000	No	None	No
Generali Premium	$250,000	$1,000,000	Upgrade, 75% back	Within 24 hours of final payment	No
Travel Insured Worldwide Trip Protector Essential	$50,000	$200,000	No	14 or 21 days (plan document)	No
Travel Insured Worldwide Trip Protector Deluxe	$250,000	$500,000	Upgrade, 75% back	14 or 21 days (plan document)	Yes, 17 and under
Travel Insured Worldwide Trip Protector Platinum	$500,000	$1,000,000	Upgrade, 75% back	14 or 21 days (plan document)	Yes, 17 and under

Limits are per person. Read the medical column first: it is the one that separates these two companies, and it is the one that pays the bill that can pass $100,000. The Generali review and the Travel Insured review go plan by plan.

Where each one wins

The trip or the traveler	Pick	Why
A cruise, a remote trip, or a traveler over 65	Travel Insured Platinum	$500,000 of medical and $1,000,000 of evacuation against $250,000 and $1,000,000 on Generali Premium.
A trip with children	Travel Insured Deluxe or Platinum	Children 17 and under are free. Generali has no free-kids benefit.
Trip interruption	Generali Premium	175 percent of the trip cost against 150 percent on Travel Insured Deluxe and Platinum.
Cancel for any reason	Travel Insured for the window; 75 percent at both	Travel Insured within 14 or 21 days on Deluxe and Platinum, with Interruption For Any Reason added. Generali on Premium only within 24 hours, not in New York.
A traveler with a pre-existing condition	Travel Insured, unless you are buying at final payment	Travel Insured waives within 14 or 21 days by plan document. Generali’s waiver is on Premium only, within 24 hours of the final payment.
Price	Both, on the comparison	Enter the trip once and both come back priced side by side.

The numbers that decide it

Medical and evacuation. Generali’s best plan, Premium, carries $250,000 of medical and $1,000,000 of evacuation; Travel Insured’s best plan, Worldwide Trip Protector Platinum, carries $500,000 of medical and $1,000,000 of evacuation. For a trip outside the US the floor is $100,000 of medical and $250,000 of evacuation; for a cruise, a remote trip or a traveler over 65, $250,000 and $500,000.

Cancel for any reason. Generali: Cancel for any reason is on Premium only, refunds up to 75 percent, must be bought within 24 hours of the initial deposit, and is not available to New York residents. Travel Insured: Cancel for any reason is an upgrade on Deluxe and Platinum, refunds 75 percent, has to be added when you buy within the plan’s window (14 or 21 days from the initial deposit), and requires cancelling at least two days before departure; an Interruption For Any Reason upgrade at 75 percent comes with it.

Pre-existing conditions. Generali: The pre-existing condition waiver is on Premium only and must be bought before or within 24 hours of the final trip payment; Standard and Preferred have no waiver. Travel Insured: The pre-existing condition waiver applies when you buy within the window in the plan document (14 or 21 days from the initial deposit) and insure the full trip cost.

Children. Generali: No free-kids benefit. Travel Insured: Children 17 and under traveling with an insured adult are free on Deluxe and Platinum.

Free look. Generali: 10 to 15 days by state (30 in Indiana) for a full refund if you have not departed or filed a claim. Travel Insured: 14 days after purchase for a full refund if you have not departed or filed a claim.

See Generali and Travel Insured priced side by side for your trip

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What it costs

Both Generali and Travel Insured are on the CoverTrip comparison, priced next to each other and the other plans when you enter the trip once. Travel insurance is priced by the trip cost, the ages of the travelers and the trip length, and a package plan usually costs 4 to 8 percent of the trip cost, so enter the trip once, find the plan from each company that carries the limits you need, and take the cheaper one. Same price on the comparison as buying direct.

What the plans say

Generali’s strengths are Premium’s $250,000 of medical and $1,000,000 of evacuation, 175 percent trip interruption on Premium, the highest on the comparison, a rental car damage add-on on Preferred and Premium; its weak spot is the shortest upgrade windows on the market (24 hours) and no waiver at all on Standard and Preferred. Travel Insured’s strengths are Deluxe’s $250,000 of medical and $500,000 of evacuation at a mid-range price, free children on Deluxe and Platinum, Platinum’s $500,000 of medical and $1,000,000 of evacuation; its weak spot is Essential’s $200,000 of evacuation and no cancel for any reason on it, which makes it a domestic-only budget plan. Both refund 100 percent of the insured trip cost for a listed cancellation reason, both include a 24-hour assistance line, and both are underwritten by large insurers; the difference between them is the limits and the upgrade rules above, not the paper.

Questions people also ask

Is Travel Insured better than Generali?

For most trips, yes: more medical at the top ($500,000 against $250,000), free children on Deluxe and Platinum, and 14 or 21 days instead of 24 hours to add the waiver and cancel for any reason. Generali Premium wins on trip interruption (175 percent) and Generali Preferred is a good mid-range plan for a buyer who wants no upgrades.

Which is better for a cruise, Generali or Travel Insured?

Travel Insured Platinum, with $500,000 of medical and $1,000,000 of evacuation, and the waiver when bought within the plan’s window. Generali Premium’s $250,000 and $1,000,000 also clear the cruise floor, with the waiver only if bought within 24 hours of the final payment.

Do Generali and Travel Insured have cancel for any reason?

Both refund 75 percent. Travel Insured sells it on Deluxe and Platinum, added within 14 or 21 days of the deposit. Generali sells it on Premium only, bought within 24 hours of the initial deposit, and not to New York residents.

Plan limits and upgrade rules on this page are from the insurers’ plan pages and policy documents for Generali and Travel Insured, checked 12 September 2026, and from the CoverTrip reviews of each company. Price guidance is from the plans on the CoverTrip comparison.