Travel Insurance Reviews for Generali Global Assistance Standard

My wife broke her ankle and we were not able to take the trip per doctor’s orders. We first submitted a claim on 5/15 on the eclairs system. I called 2 weeks later for claim status and was told they didn’t receive the claim even though their system says “submitted”. I resubmitted the claim on 5/30. It is now 7/20 and the system status is still submitted. I have called several times. The first time a customer service rep left a message for the claims rep to call me. I did not receive a return call. I called a week later and asked for the claims rep’s extension and left a message. Still no return call. I called another week later and left a message and still no return call. I called this past Monday and found out my claims rep was no longer with the company. I was putt in contact with my new claims rep who called me back and said she was unable to work the claim due to upper management reviewing it. This is gone way too long.

Generali insurance claims person has not responded to my phone calls today.
Before we sent claim we spoke to two people to make sure that we got a list of needed forms.
Were directied to their website which is very difficult to find what you need.
We had hoped that the company would provide a set of docs. They don't.
We wanted to get this right from the beginning.
We got a letter requesting more.
Tried contacting the case manager all day but she was unresponsive.
Anyhow we trusted you to broker a good product.
This company should not be part of your product line.

Always hope that we won't have to use the insurance, but we did, in fact, file a Trip Interruption claim that was handled quickly and efficiently. The Customer Service staff guided me through the process and even told me how to obtain the information I needed from the airline. Will purchase again for future trips.

We bought travel insurance from Generali Global Assistance. About a month later I had mild back pain. I saw my doctor, he gave me some muscle relaxants and said I'd be fine and I specifically asked him if it was okay to go on my trip. He said yes.

While on my trip I suddenly experienced excruciating back pain. I saw the ship's doctor, got pain medication, rented a wheelchair, and my total medical bills during the trip were $1263.29.

I filed a claim with Generali. I included all of the receipts and documentation they asked for.

They denied my claim, based on the fact that the ship's doctor had written in my exam notes that my doctor at home had seen me for mild back pain before the trip.

Generali decided it was a pre-existing condition. I had MILD pain before I left on the trip. During the trip I developed a herniated disk (and have since had surgery for it.) The injury occurred DURING THE TRIP.

Generali didn't care. I asked if I could send them a letter from my doctor stating that he had told me I was fine and could go on my trip. Generali said it wouldn't matter, it was a pre-existing condition.

I asked if I could appeal the claim, I was told NO.

I asked them what would have happened if I had cancelled my trip because I developed mild back pain. They said I would not have been refunded my money because the medical issue was pre-existing, and the policy only covered medical issues that happened while on the trip.

Keep in mind, I had NO back pain at all and had not seen my doctor when I made the trip plans and purchased the insurance. Quite the Catch 22!

And if had a herniated disk BEFORE I went on the trip, I wouldn't have been able to walk. The herniated disk happened DURING the trip, and I was unable to walk.

But because I had been honest when speaking to the ship's doctor and told him I'd seen my doctor at home for mild back pain before the trip, and my doctor gave me some muscle relaxants and said I was fine, Generali still decided it was pre-existing. My home doctor specifically told me I was fine to go on the trip!

They had no appeal process, nor would they accept a letter from my doctor stating this was not pre-existing.

I DO NOT recommend Generali Global Assistance. They are a scam.