Generali vs Tin Leg: Which Travel Insurance Is Better?

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

In shortTin Leg goes higher on medical (Gold's $500,000 primary against Generali Premium's $250,000) and sells a plan at every level below that, with 14 or 15 days to add the waiver and cancel for any reason where Generali allows 24 hours. Generali Premium answers with 175 percent interruption and Generali Preferred is a strong mid-range plan with no upgrades to time. Both are on the comparison.

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 Tin Leg 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, Tin Leg into a plan at every medical level from $20,000 to $500,000, so you buy exactly the limit you need. 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
Tin Leg Economy	$20,000	$100,000	No	None	No
Tin Leg Basic	$50,000	$200,000	No	14 to 15 days	No
Tin Leg Luxury	$100,000 primary	$250,000	Upgrade, 75% back	14 to 15 days	No
Tin Leg Silver	$250,000	$1,000,000	Upgrade, 75% back	14 to 15 days	No
Tin Leg Gold	$500,000 primary	$500,000	Upgrade, 75% back	14 days	No

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 Tin Leg 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	Tin Leg Gold or Silver	Gold: $500,000 of primary medical. Silver: $250,000 and $1,000,000 of evacuation. Generali Premium: $250,000 and $1,000,000.
Trip interruption	Generali Premium	175 percent of the trip cost against 150 percent on Tin Leg.
Bought more than a day after the deposit	Tin Leg	14 or 15 days for the waiver and cancel for any reason. Generali’s must be bought within 24 hours.
A cheap domestic trip	Tin Leg Economy or Basic	$20,000 or $50,000 of medical at a price Generali Standard does not go down to.
A mid-range plan with no upgrades to time	Generali Preferred	$150,000 of medical and $500,000 of evacuation. Tin Leg Luxury carries $100,000 primary and $250,000.
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; Tin Leg’s best plan, Gold, carries $500,000 primary of medical and $500,000 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. Tin Leg: Cancel for any reason is on Luxury, Adventure, Silver and Gold, refunds 75 percent, must be added within the plan’s window (14 or 15 days from the initial deposit), and requires cancelling at least two days before departure.

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. Tin Leg: The pre-existing condition waiver window is 14 or 15 days from the initial deposit depending on the plan; Economy has no waiver.

Children. Generali: No free-kids benefit. Tin Leg: No free-kids benefit.

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. Tin Leg: 10 to 15 days depending on the plan for a full refund if you have not departed or filed a claim.

See Generali and Tin Leg priced side by side for your trip

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What it costs

Both Generali and Tin Leg 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. Tin Leg’s strengths are a plan at every medical level from $20,000 to $500,000, so you buy exactly the limit you need, Gold’s $500,000 of primary medical and Silver’s $1,000,000 of evacuation, cancel for any reason on four plans; its weak spot is the plan names do not track the limits (Luxury is the floor for a trip abroad, not the top), and the underwriter changes by 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 Tin Leg better than Generali?

For most buyers, yes: more medical at the top ($500,000 primary on Gold against $250,000 on Generali Premium), a plan at every price level, and 14 or 15 days instead of 24 hours to add the waiver and cancel for any reason. Generali Premium wins on 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 Tin Leg?

Tin Leg Silver ($250,000 of medical, $1,000,000 of evacuation) or Gold ($500,000 primary, $500,000). 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.

Who underwrites Tin Leg?

It changes by plan: Berkshire Hathaway Specialty, Starr or Spinnaker, so the plan document for the one you buy governs. Tin Leg is Squaremouth’s house brand. Generali’s plans are underwritten by Generali U.S. Branch.

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