Generali vs Trawick: Which Travel Insurance Is Better?

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

In shortGenerali Premium carries more medical at the top ($250,000 against Trawick Pathway Premium's $200,000, both with $1,000,000 of evacuation) and pays 175 percent trip interruption, but its waiver and cancel for any reason must be bought within 24 hours. Trawick's medical is primary on every plan and its windows run 14 days (Plus) and 21 days (Premium), so it is the easier one to buy right. 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 Trawick 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, Trawick into primary medical on every plan. 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
Trawick Pathway Essential	$25,000 primary ($100 deductible)	$250,000	No	None	No
Trawick Pathway Plus	$100,000 primary	$350,000	No	14 days	No
Trawick Pathway Premium	$200,000 primary	$1,000,000	Upgrade, 75% back	21 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 Trawick 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	Generali Premium	$250,000 of medical and $1,000,000 of evacuation. Trawick Pathway Premium carries $200,000 primary and $1,000,000.
Bought more than a day after the deposit	Trawick	Waiver within 14 days on Pathway Plus and 21 on Premium; cancel for any reason within 21 days on Premium. Generali’s upgrades must be bought within 24 hours.
A mid-priced plan for a trip abroad	Either	Generali Preferred: $150,000 of medical and $500,000 of evacuation, no waiver. Trawick Pathway Plus: $100,000 primary and $350,000, waiver within 14 days. Price them side by side.
Trip interruption	Generali Premium	175 percent of the trip cost, the highest on the comparison, against 150 percent on Trawick Premium.
Primary medical (pays first, before your health plan)	Trawick	Primary on every Trawick plan. Generali’s medical is secondary.
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; Trawick’s best plan, Pathway Premium, carries $200,000 primary 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. Trawick: Cancel for any reason is on Pathway Premium only, refunds 75 percent, must be added within 21 days of the deposit, and is not available in New York.

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. Trawick: Pathway Plus waives the pre-existing condition exclusion when you buy within 14 days of the deposit, Premium within 21 days, both with the full trip cost insured; Essential has no waiver.

Children. Generali: No free-kids benefit. Trawick: 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. Trawick: 14 days in most states (10 to 30 by state) for a full refund if you have not departed or filed a claim.

See Generali and Trawick priced side by side for your trip

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What it costs

Both Generali and Trawick 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. Trawick’s strengths are primary medical on every plan, Premium’s $200,000 of medical and $1,000,000 of evacuation, a 21-day window on Premium; its weak spot is Essential’s $25,000 medical limit with a $100 deductible, and no free-kids benefit. 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 Trawick better than Generali?

For most buyers, yes, because of timing: Trawick’s waiver and cancel for any reason can be added 14 or 21 days after the deposit, where Generali’s must be bought within 24 hours, and Trawick’s medical is primary. Generali Premium carries more medical ($250,000 against $200,000) and pays 175 percent interruption, so a buyer who buys the day they book gets more from Generali.

Which is better for a cruise, Generali or Trawick?

Generali Premium on the numbers ($250,000 of medical, $1,000,000 of evacuation), if bought within 24 hours of the final payment so the waiver applies. Otherwise Trawick Pathway Premium: $200,000 primary, $1,000,000, waiver within 21 days.

Do Generali and Trawick have cancel for any reason?

Both refund 75 percent on the top plan only. Generali’s must be bought within 24 hours of the initial deposit and is not sold to New York residents. Trawick’s is added within 21 days of the deposit and is not sold in New York either.

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