Seven Corners vs Generali: Which Travel Insurance Is Better?

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

In shortBoth are on the comparison and both are strong at the top: Seven Corners Choice carries $500,000 of primary medical and $1,000,000 of evacuation, Generali Premium $250,000 and $1,000,000 with 175 percent interruption. The deciding difference is timing: Seven Corners gives 20 days for the waiver and cancel for any reason, Generali gives 24 hours. If you are buying the day you book, either; if you are buying later, Seven Corners.

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

Seven Corners and Generali sell to the same traveler and answer the same question differently: Seven Corners puts its money into Choice’s $500,000 of primary medical, the highest on the comparison, Generali into Premium’s $250,000 of medical and $1,000,000 of evacuation. 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
Seven Corners Trip Protection Basic	$100,000 (secondary)	$250,000	Upgrade, 75% back	None	No
Seven Corners Trip Protection Choice	$500,000 (primary)	$1,000,000	Upgrade, 75% back	20 days	No
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

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 Seven Corners review and the Generali 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	Seven Corners Choice	$500,000 of primary medical against Generali Premium’s $250,000, with the same $1,000,000 of evacuation.
Trip interruption	Generali Premium	175 percent of the trip cost, the highest on the comparison, against 150 percent on Seven Corners Choice.
Bought more than a day after the deposit	Seven Corners Choice	Its waiver and cancel for any reason allow 20 days. Generali’s must be bought within 24 hours (of the deposit for cancel for any reason, of the final payment for the waiver).
A mid-range plan	Generali Preferred	$150,000 of medical and $500,000 of evacuation against Seven Corners Basic’s $100,000 (secondary) and $250,000. Neither has a waiver.
Cancel for any reason	Seven Corners for the window; the refund is 75 percent at both	Seven Corners on both plans within 20 days; Generali on Premium only within 24 hours, not in New York.
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. Seven Corners’s best plan, Trip Protection Choice, carries $500,000 (primary) of medical and $1,000,000 of evacuation; Generali’s best plan, Premium, carries $250,000 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. Seven Corners: Cancel for any reason is an upgrade on both plans, refunds 75 percent, must be added within 20 days of the initial deposit, requires cancelling two or more days before departure, and is not sold in every state. 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.

Pre-existing conditions. Seven Corners: The pre-existing condition waiver is on Choice only, when you buy within 20 days of the initial trip payment and insure the full trip cost; Basic has no waiver. 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.

Children. Seven Corners: No free-kids benefit. Generali: No free-kids benefit.

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

See Seven Corners and Generali priced side by side for your trip

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What it costs

Both Seven Corners and Generali 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

Seven Corners’s strengths are Choice’s $500,000 of primary medical, the highest on the comparison, $1,000,000 of evacuation and $2,000 of travel delay on Choice, a 20-day window for the waiver and cancel for any reason; its weak spot is no free-kids benefit, and New York and Washington residents are sold different plans (Economy and Elite) with different limits. 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. 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 Generali better than Seven Corners?

Generali Premium has the higher interruption benefit (175 percent) and Generali Preferred is the stronger mid-range plan; Seven Corners Choice has the higher medical limit ($500,000 primary) and 20 days instead of 24 hours to add the waiver and cancel for any reason. For most buyers the window decides it.

Which is better for a cruise, Seven Corners or Generali?

Seven Corners Trip Protection Choice, on medical: $500,000 primary against Generali Premium’s $250,000, both with $1,000,000 of evacuation. Generali Premium wins if you value 175 percent interruption and bought within 24 hours of the deposit.

Do Seven Corners and Generali have cancel for any reason?

Both refund 75 percent. Seven Corners sells it on both plans, added within 20 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 Seven Corners and Generali, checked 12 September 2026, and from the CoverTrip reviews of each company. Price guidance is from the plans on the CoverTrip comparison.