Both Seven Corners and Generali Global Assistance offer comprehensive travel insurance options, but they cater to different needs. Seven Corners stands out for its high medical coverage and CFAR availability even on cheaper plans, making it suitable for travelers prioritizing extensive medical protection and flexibility. Generali Global Assistance, with its tiered plans and focus on user-friendly claims, is a good choice for those seeking a balance between cost and trip-related coverage, particularly if quick reimbursement is a priority. However, Generali's lower maximum medical coverage and potential difficulties with the claims portal should be considered.
| Attribute | Seven Corners Travel Insurance | Generali Global Assistance |
|---|---|---|
| Coverage Options | Medical, Trip Cancellation/Interruption, Baggage | Coverage for trip cancellation, trip interruption, medical and dental emergencies, baggage loss/delay, and more. |
| Maximum Coverage Amount (Medical Expenses) | Up to $1,000,000 depending on the plan | Standard Plan: Up to $50,000; Preferred Plan: Up to $150,000; Premium Plan: Up to $250,000. |
| Trip Cancellation Coverage Details | Reimburses prepaid and non-refundable trip costs if you cancel for a covered reason; CFAR available | Reimburses unused, non-refundable, pre-paid trip costs if you're prevented from traveling due to a covered reason. Covered reasons include sickness, injury, death, mandatory hurricane evacuations, and more. The Premium Plan offers a Cancel For Any Reason (CFAR) add-on. CFAR reimburses up to 75% of the penalty amount. You must purchase it within 24 hours of making your first trip deposit. |
| Pre-existing Condition Coverage | Generally excluded unless a rider is purchased or specific requirements are met | Only the Premium plan offers a pre-existing medical condition exclusion waiver. To qualify, you generally must purchase the policy within 24 hours of your final trip payment. You must also be medically able to travel when you purchase the plan and insure 100% of pre-paid trip costs. |
| Emergency Medical Evacuation Coverage | Up to $1 million depending on the plan | Standard Plan: Up to $250,000; Preferred Plan: Up to $500,000; Premium Plan: Up to $1,000,000. |
| Baggage Loss/Delay Coverage | Provides compensation for lost or delayed baggage | Loss: Standard Plan: Up to $1,000, Preferred Plan: Up to $1,500, Premium Plan: Up to $2,000. Delay: Standard Plan: Up to $200 (after a 24-hour delay), Preferred Plan: Up to $300 (after an 18-hour delay), Premium Plan: Up to $500 (delay time not specified). Coverage usually applies to baggage that is lost, damaged, or stolen. Baggage coverage is often secondary, meaning it pays after any coverage from your homeowner's policy. |
| 24/7 Assistance Services | Available via Seven Corners Assist | Generali provides a 24/7 emergency assistance hotline. From the U.S., you can call toll-free at 877-243-4135. From anywhere else, call collect at 240-330-1529. Services include medical referrals, traveling companion assistance, emergency cash transfer, legal referrals, and locating lost or stolen items. |
| Customer Service Quality and Responsiveness | Varies; some report responsiveness, others report slow response times | Many customers have praised the ease of purchasing a policy. Some customers have found the claims portal and automated phone system difficult to navigate. Generali aims to keep its claims process hassle-free, with one representative working with you from start to finish. Customer service is available by phone 24/7. Live chat is also an option during certain hours. |
| Claims Process Efficiency | Varies; some report transparency, others report delays and rejections | Many customers appreciate the fast and easy online claims process, with quick reimbursements. To file a claim, you generally start on the Generali Global Assistance homepage and click "Claims". All claims must be submitted in writing with supporting documents and receipts. |
| Policy Exclusions and Limitations | Pre-existing conditions (without waiver), intoxication, illegal activities, certain adventure activities, mental disorders | All travel insurance plans have exclusions, so it's important to review the fine print. Examples of exclusions to emergency medical coverage include intentionally self-inflicted injury, normal pregnancy or childbirth, and mental disorders. Generali may exclude pandemic-related claims, depending on your policy terms. |
| Price and Value for Money | Good option for trip protections and travel medical coverage; CFAR available on cheapest plan; premiums can be high for comprehensive coverage | Generali's travel insurance plans are competitively priced based on factors like age, destination, and trip length. The Premium policy's average cost is the second lowest of the 69 plans researched by Forbes. The health claim maximum may be lower compared to other insurers, but Generali Global Assistance may offer more trip-related coverage. |
| COVID-19 Coverage | May cover medical expenses and trip interruption/delay expenses related to COVID-19 | Generali Global Assistance will reimburse you for cancellations, delays, or medical emergencies resulting from COVID-19. COVID-19 coverage applies under multiple policy benefits. If you, a family member, or a traveling companion are diagnosed with COVID-19, you can get trip cancellation, trip interruption, travel delay, or medical coverage. |