Travel insurance: GoReady Insurance vs. Generali Global Assistance
Quick Verdict
Both GoReady Insurance and Generali Global Assistance offer comprehensive travel insurance options with similar coverage levels and add-ons like CFAR. Generali is praised for its easy online claims process and customer service, while GoReady highlights its 'Stress Less Benefits' program. Travelers should compare specific plan details and costs to determine the best fit for their needs, considering factors like pre-existing conditions, state of residence, and desired coverage limits.
- Both GoReady and Generali offer comprehensive travel insurance plans with options for trip cancellation, interruption, medical expenses, and emergency evacuation.
- Generali's Premium plan and GoReady's VIP plan offer high coverage limits, including up to $1,000,000 for emergency evacuation.
- Both providers offer 24/7 customer support, but Generali provides specific contact numbers.
- Both companies offer CFAR as an add-on, reimbursing up to 75% of non-refundable costs, but Generali's CFAR is not available to residents of New York.
- Pre-existing medical condition coverage requires specific conditions and timely purchase for both providers.
- Generali's online claims process is generally well-regarded, while GoReady highlights a 'Stress Less Benefits' program for simplified claims.
- Both providers have exclusions and limitations, including potential geographic restrictions and coverage variations by state.
Key features – Side-by-Side
| Attribute | GoReady Insurance | Generali Global Assistance |
|---|---|---|
| Coverage amount for trip cancellation | Reimburses 100% of insured trip costs for covered reasons (sickness, injury, job loss, airline delays). | Up to 100% of non-refundable trip costs |
| Coverage amount for trip interruption | Generally reimburses 150% of insured trip costs; VIP plan offers 175%. | Up to 175% of the total insured trip cost |
| Medical expense coverage limit | Pandemic Plus plan: $50,000; GoReady Choice Plan: $250,000; VIP plan: Up to $250,000 per person; Annual/Multi-Trip Primary plan: $30,000. | Up to $250,000 per person on the Premium plan |
| Emergency evacuation coverage limit | Pandemic Plus plan: $500,000; VIP plan: Up to $1 million per person. | Up to $1,000,000 per person on the Premium plan |
| Baggage loss/delay coverage | Baggage Loss: GoReady Choice Plan provides $500; Baggage Delay: GoReady Choice Plan includes $200 (some policies require a 12-24 hour minimum delay). | Loss: Up to $2,000 per person (Premium plan); Delay: Up to $500 per person (Premium plan). A minimum delay of 12 hours applies to the Premium Plan. |
| Pre-existing medical condition coverage | May be excluded unless a waiver is obtained (condition must be stable, and coverage bought within a specific timeframe, e.g., 14 days of initial trip deposit). | Available with the Premium plan if purchased within 24 hours of final trip payment. You must also be medically able to travel when you purchase the insurance. Generali has a 180-day "look back" period for pre-existing conditions. |
| 24/7 customer support availability | Aegis Insurance provides 24/7 customer service across multiple time zones and languages. | Yes, Generali provides a 24/7 emergency assistance hotline. From the US, call 877-243-4135 toll-free. From elsewhere, call collect to 240-330-1529. |
| Policy exclusions and limitations | Maximum trip length: Some standard plans have a maximum trip length of 60 days; Geographic restrictions: Policies might not be effective in certain countries; Specific exclusions: Common exclusions include high-risk activities and certain pre-existing conditions without a waiver. | The policy does not cover events that were reasonably known before purchase. Losses caused by service in the armed forces are not covered. Coverage may vary by state. Musical instruments, phones, computers, money, medicine, and cosmetics are typically not covered under baggage protection. |
| Coverage for specific activities (e.g., adventure sports) | GoReady Choice Plan can be customized with add-ons for sports equipment coverage. | The Preferred plan can cover sports gear if it's delayed, lost, or stolen. |
| COVID-19 related coverage | Generally includes COVID-19 coverage, potentially covering trip cancellation, interruption, and medical expenses if you or a traveling companion contracts the virus. | Generali plans may provide coverage for COVID-19 sickness, including trip cancellation, interruption, travel delay, medical & dental, and emergency assistance & transportation if you, a family member, or traveling companion are diagnosed with COVID-19. |
| Cancel for any reason (CFAR) option | Optional upgrade on some plans, typically reimburses up to 75% of non-refundable costs. | CFAR is available as an add-on to the Premium plan. It typically reimburses 75% of the penalty amount. You must purchase the policy within 24 hours of making your first trip deposit to get CFAR. CFAR is not available to residents of New York. |
| Cost and deductible options | Cost varies depending on factors like trip cost, duration, and traveler age; Deductibles may apply to certain coverages like medical expenses. | Generali offers Standard, Preferred, and Premium plans with varying costs and benefits. The Premium plan is the most expensive but offers the most comprehensive coverage. |
| Price | Not available | Not available |
| Ratings | Not available | overall: Many customers would recommend Generali to others. Generali's Premium policy is competitively priced and offers good value. |
Overall Comparison
Trip Cancellation Coverage: Up to 100% for both; Trip Interruption Coverage: Up to 175% for both; Emergency Evacuation Coverage: Up to $1,000,000 for Generali, GoReady VIP plan offers up to $1 million; CFAR: Both reimburse up to 75% of non-refundable costs.
Pros and Cons
GoReady Insurance
Pros:
- Comprehensive coverage options
- 24/7 customer support
- COVID-19 coverage included
- CFAR option available
- Higher trip interruption coverage (VIP plan)
- Simplified claims process (Stress Less Benefits program)
Cons:
- Pre-existing conditions may be excluded without a waiver
- Maximum trip length limitations on some plans
- Geographic restrictions may apply
- Potential fees or charges (review policy details carefully)
Generali Global Assistance
Pros:
- Fast and easy online claims process (for many customers)
- Easy-to-use website with helpful information
- Great customer service with a 24/7 emergency assistance hotline
- Straightforward online claim filing process
- Quick claim processing and payout (for many customers)
- High coverage limits for emergency medical evacuation and trip interruption (Premium plan)
Cons:
- Claims portal and automated phone system can be difficult to navigate (for some customers)
- Potential for unexpected fees or charges (requires careful review of policy documents)
- Policy does not cover events that were reasonably known before purchase
- Losses caused by service in the armed forces are not covered
- Coverage may vary by state
- Limited baggage protection for certain items (musical instruments, phones, computers, etc.)
User Experiences and Feedback
GoReady Insurance
What Users Love
- Easy to understand policy coverage details
- Responsive customer support team
- Quick access to funds through Stress Less Benefits program
- Comprehensive coverage
- Suitable for travelers with lengthy medical histories
Common Complaints
- Unexpected fees or charges may apply
- Pre-existing conditions may not be covered as expected
Value Perception
- Avoids overpayment for unnecessary coverage
User Recommendations
- Aegis aims to simplify the claims process and provide quick access to funds through its Stress Less Benefits program.
- GoReady designs plans to avoid overpayment for unnecessary coverage.
- GoReady offers 24/7 customer support.
- GoReady provides quotes and accepts claims via phone, website, and online chat.
- Aegis's Stress Less Benefits program aims to expedite payments for covered incidents.
- GoReady is recommended for travelers wanting comprehensive coverage and those with lengthy medical histories.
Generali Global Assistance
What Users Love
- Many customers appreciate the fast and easy online claims process.
- The website is easy to use and provides helpful information.
- Generali is known for providing great customer service.
- The online claim filing process is generally straightforward.
- Many customers report receiving reimbursement quickly.
- Many customers would recommend Generali to others.
Common Complaints
- Some find the claims portal and automated phone system difficult to navigate.
- It's important to review the policy documents carefully to understand any potential fees or charges.
Value Perception
- Generali's Premium policy is competitively priced and offers good value.
- It has high coverage limits for emergency medical evacuation and trip interruption.
User Recommendations
- One review mentions a claim being resolved within a month.