Generali Travel Insurance Review

By Damian Tysdal, licensed travel insurance agent since 2006 · Updated 12 September 2026

★★★★★4 out of 5

A big, reputable insurer whose Premium plan is very good and whose Standard plan is not. Cancel for any reason and the pre-existing waiver exist only on Premium, and both have unusual 24-hour deadlines.

Good for

Buying Premium on the day you make your first deposit
Trips where getting home early is the big risk (175 percent interruption on Premium)
Travelers who want a large, well-known insurer behind the policy

Not for

Anyone who has already paid and needs the pre-existing waiver (the window is 24 hours from final payment, Premium only)
Anyone who wants cancel for any reason more than a day after the first deposit
Cruises and trips abroad on the Standard plan ($50,000 medical)

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At a glance

Plan	Emergency medical	Evacuation	Cancel for any reason	Pre-existing waiver
Standard	$50,000	$250,000	No	No
Preferred	$150,000	$500,000	No	No
Premium	$250,000	$1,000,000	Upgrade, 75% back, buy within 24 hours of deposit	Yes, within 24 hours of final payment

Premium is excellent. The deadlines on its two upgrades are the shortest in the market, so timing decides whether Generali is right for you.

Top reasons to buy

Premium: $250,000 of emergency medical, $1,000,000 of evacuation and 175 percent trip interruption, one of the highest interruption limits anywhere.
Preferred is a sensible middle plan with $150,000 medical and $500,000 evacuation.
Generali is one of the largest insurers in the world, and the US travel arm has been selling since 2004.
Sold through comparison sites, so you can see it priced next to every other plan.

Flaws but not dealbreakers

Cancel for any reason is only on Premium, refunds 75 percent, and must be bought within 24 hours of your initial deposit. Almost nobody buys insurance that fast.
The pre-existing condition waiver is also Premium only, and the window is 24 hours from your final trip payment, not the usual 14 to 21 days from the first deposit. Read that twice before you rely on it.
Standard’s $50,000 medical is thin for a cruise or a trip abroad.

Bottom line

If you buy Generali, buy Premium, and buy it the day you put money down. The coverage on Premium is excellent and the interruption limit is best in class. The catch is timing: the two upgrades most people want, cancel for any reason and the pre-existing waiver, have deadlines measured in hours rather than weeks. If you have already paid for your trip and it has been more than a day, look at a company with a normal window.

Full Generali Travel Insurance Review

Summary: Generali Global Assistance sells three single-trip plans. Premium is a very good plan: $250,000 medical, $1,000,000 evacuation, and 175 percent trip interruption. The problem with Generali is not coverage, it is deadlines. The cancel-for-any-reason upgrade has to be bought within 24 hours of your first deposit, and the pre-existing condition waiver has to be bought within 24 hours of your final payment. Both are Premium only. If you can meet those deadlines, Premium competes with anything. If you cannot, the plan you end up with is missing the two things most people ask about.

Compare it against:

Who Generali is

Generali Global Assistance is the US travel insurance business of Generali, one of the largest insurance groups in the world. The plans are underwritten by Generali U.S. Branch. The company formerly traded as CSA Travel Protection, which is the name you will still see on older reviews.

The three plans

Standard
Cancellation 100 percent, interruption 125 percent, emergency medical $50,000, evacuation $250,000, baggage $1,000, travel delay $1,000. No cancel for any reason and no pre-existing waiver.

Preferred
Cancellation 100 percent, interruption 150 percent, emergency medical $150,000, evacuation $500,000, baggage $1,500, travel delay $1,000. No cancel for any reason and no pre-existing waiver.

Premium
Cancellation 100 percent, interruption 175 percent, emergency medical $250,000, evacuation $1,000,000, baggage $2,000, travel delay $1,000, sporting equipment $2,000, and coverage for the tour operator or airline going out of business. Cancel for any reason available. Pre-existing waiver available.

The 24-hour deadlines

This is the section to read. On most plans, the pre-existing condition waiver is yours if you buy within 14 to 21 days of your first trip deposit. Generali’s waiver is Premium only, and the clock is 24 hours from your final trip payment. That is a different rule from the rest of the market, and it catches people who assume they have a couple of weeks. Cancel for any reason is also Premium only, and it must be purchased within 24 hours of the initial deposit. It refunds up to 75 percent of the penalty amount, requires you to cancel 48 hours or more before departure, and is not available to New York residents.

Interruption at 175 percent

One thing Generali does better than almost anyone: Premium’s trip interruption benefit pays up to 175 percent of the insured trip cost. That extra 75 percent is meant for the cost of getting home early, which is where interruption claims get expensive. Most plans pay 100 or 150 percent.

The free look

You can cancel the policy for a full refund within 10 to 15 days of purchase depending on your state (30 days in Indiana), as long as you have not left and have not filed a claim.

How much does Generali cost?

Generali is competitively priced, and Premium in particular tends to price close to plans with lower limits. Enter your trip once and you will see it next to every other plan for your dates.

Generali FAQs

Is Generali a good travel insurance company?

Yes. It is part of one of the largest insurance groups in the world and its Premium plan carries $250,000 medical, $1,000,000 evacuation and 175 percent trip interruption. The things to watch are the 24-hour deadlines on the cancel-for-any-reason and pre-existing waiver upgrades.

Does Generali cover pre-existing conditions?

Only on the Premium plan, and only if you buy it before or within 24 hours of your final trip payment, insure all prepaid costs, and are medically able to travel when you buy.

Does Generali offer cancel for any reason?

Yes, as an upgrade to Premium only. It refunds up to 75 percent of the penalty amount, must be bought within 24 hours of your initial deposit, and requires cancelling at least 48 hours before departure. Not available to New York residents.

Which Generali plan is best?

Premium. It is the only plan with the cancel-for-any-reason and pre-existing waiver options, and its medical, evacuation and interruption limits are far above Standard and Preferred.

Summary

Generali Premium is a strong plan from a strong company, bought on the day you put money down. Bought any later, it loses the two upgrades that matter most, and Standard and Preferred never had them. Price it for your trip and compare the deadlines, not just the limits.

Before you buy

The pre-existing condition waiver is Premium only and must be bought before or within 24 hours of your final trip payment.
Cancel for any reason is 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.
Standard and Preferred have neither upgrade.
You have 10 to 15 days after purchase (30 in Indiana) to cancel the policy for a full refund if you have not departed or filed a claim.