Both Generali Global Assistance and Nationwide Travel Insurance offer a range of travel insurance options. Generali Global Assistance provides high emergency medical evacuation coverage and a fast online claims process for some, but has faced complaints regarding denied claims. Nationwide Travel Insurance offers generally positive customer service before the trip, but struggles with customer service during the trip and claims processing. Consider your specific needs and risk tolerance when choosing between these providers.
| Attribute | Generali Global Assistance | Nationwide Travel Insurance |
|---|---|---|
| Coverage Options | Trip Cancellation, Trip Interruption, Medical and Dental, Baggage, and Baggage Delay, Emergency Medical Evacuation, Optional add-ons like rental car damage coverage, Concierge services and Identity Theft Resolution services | Trip cancellation, trip interruption, medical expenses, emergency medical evacuation, baggage loss/delay, and 24/7 assistance. Some plans offer cruise-specific coverage. |
| Maximum Coverage Amount (Trip Cancellation) | Up to 100% of insured trip cost | Ranges from $10,000 to $30,000 depending on the plan. Some plans offer 100% coverage of non-refundable trip costs. |
| Maximum Coverage Amount (Medical Expenses) | Premium plan: $250,000 per person, Standard plan: $50,000, Preferred plan: $150,000 | Ranges from $10,000 to $150,000 depending on the plan. Some plans include a minimum of $75,000 in Emergency Medical coverage. |
| Pre-existing Condition Coverage | Premium plan may cover if purchased within 24 hours of final trip payment and other requirements are met. 180-day 'look-back period' | May be included if the plan is purchased within a specific timeframe (e.g., 10-21 days) of the initial trip deposit and other eligibility requirements are met. Some upgrades are valid for 12 months and are designed to cover costs of cancellation and emergency medical treatment related to pre-existing conditions. |
| Trip Interruption Coverage | Reimburses for unused, non-refundable trip costs. Premium plan offers up to 175% of the total insured trip cost | Reimbursement can be up to 125% or even 200% of insured trip costs, depending on the plan. |
| Baggage Loss/Delay Coverage | Coverage for lost, stolen, or damaged baggage. Premium plan provides up to $2,000 for baggage and sporting equipment. Reimbursement for baggage delays (typically after 12 hours) | Coverage varies. Some plans offer up to $600 for baggage delay. For lost or stolen baggage, coverage can be up to $2,000, with per-article limits (e.g., $250 per article) and combined limits for valuable items (e.g., $500). |
| Emergency Medical Evacuation Coverage | Premium plan includes up to $1,000,000. Standard plan offers $250,000 | Ranges from $50,000 to $1,000,000 depending on the plan. |
| 24/7 Assistance Services | Medical referrals, travel advisories, emergency cash transfers, interpretation in major languages or referrals to translation services | Nationwide offers a 24-hour assistance line to help with various needs, such as exchange rates, passport information, and lost baggage retrieval. Assistance coordinators are often multilingual. |
| Cancel For Any Reason (CFAR) Upgrade Availability | Offered as an upgrade to the Premium plan. Reimburses up to 75% of the penalty amount. Must be purchased within 24 hours of the initial trip deposit, and the trip must be canceled no less than 48 hours before departure | CFAR is available as an upgrade on some plans, like the Prime Plan, and can reimburse up to 75% of non-refundable trip costs if purchased within a specific timeframe. CFAR may not be available in all states. |
| Policy Exclusions | Cannot provide coverage if you travel to Russia, Belarus, Crimea, the Donetsk and Luhansk People's regions, Cuba, Iran, North Korea, Myanmar, Afghanistan, or Syria. Trip Cancellation doesn't cover events that are considered foreseeable. | Common exclusions include war, invasion, underwater activities, piloting an aircraft, hazardous activities, and traveling against medical advice. Pre-existing conditions not disclosed to Aviva are also excluded. |
| Claims Process | Claims must be submitted in writing with supporting documents. Start a claim online via the eClaims portal. A dedicated claims team member will manage the claim. Claims must be submitted within one year after a covered loss. | Claims can be filed online. It's important to report claims as soon as possible, generally within 72 hours. |
| Customer Reviews and Ratings | Not available | Nationwide generally receives positive reviews for customer service before the trip, but lower ratings for customer service during the trip and during claims processing. |
| Price | Not available | Not available |