allianz travel insurance telephone number

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

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At Allianz, we continue to show our commitment to sports through our sponsorship with the International Olympic Committee and the International Paralympic Committee. Read More >>

Entry Requirements & COVID-19 Travel Resources 

Confused about entry requirements for your destination? Our  interactive map shows current travel rules and restrictions for each destination, including info on COVID-19 testing, necessary travel documents and quarantine periods.

Find out how our  Epidemic Coverage Endorsement can protect your next trip from certain losses related to COVID-19.

Why do I need travel insurance?

Because sometimes..., you have to cancel a trip last-minute..

Travel insurance can reimburse you for your prepaid, non-refundable trip costs — including vacation rentals, car rentals, hotels and flights — if you have to cancel for a covered reason.

Travel delays leave you stranded.

Travel insurance can reimburse you for eligible meals, accommodation and transportation expenses during a covered delay.

You get sick or hurt when you're far from home.

Travel insurance can reimburse you for care following a covered medical emergency while traveling. We can even arrange and pay for a medical evacuation if needed.

Fender-benders are unavoidable.

Renting a car means taking on a big financial risk; even a tiny scrape can cost you hundreds. Low-priced rental car insurance lets you drive worry-free.

You need help in a hurry.

Whether you're planning a week-long road trip or a weekend getaway, you never know what might happen. Travel insurance gives you access to our 24-Hour Assistance hotline for expert, personalized support in a crisis.

Why go with Allianz Travel Insurance?

As a world leader in travel protection, we help more than 70 million people answer the call of adventure with confidence every year.

We're Protecting You

From protection for trip cancellation to medical bills abroad, our benefits are designed to help you explore reassured.

We're There For You

We've got your back with award-winning 24/7 assistance and a worldwide network of prescreened hospitals to help you get the right care.

We're Built For You

From our Allyz ® TravelSmart app to proactive SmartBenefits, we innovate for the way you travel today - and tomorrow.

TRAVEL RESOURCES

How Travel Insurance Works

How the Cancel Anytime Upgrade Works

What Does Rental Car Insurance Cover?

Is It Too Late to Buy Travel Insurance?

The Comprehensive Guide to Annual Travel Insurance

5 Ways the Allyz ®  TravelSmart App Can Help During Winter Travels

Travel Insurance with Emergency Medical Benefits

Destination Guide: Croatia

Travel Insurance & COVID-19: The Epidemic Coverage Endorsement Explained

More Travel Resources »

LATEST COVERAGE ALERTS

The events listed below are considered "known and foreseeable" for travel insurance purposes on the date listed next to the event. Please consult your policy for more information.

More Coverage Alerts »

Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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When the world calls, help your customers answer with confidence.

Looking for a travel insurance plan, get a quote at   allianztravelinsurance.com ..

Benefits to help travelers explore reassured.

Expert assistance means travelers are never alone. 

Industry-leading technology for the future of travel.

Travel safe. Travel simple. Allianz TravelSmart.

Our free Allianz TravelSmart TM app puts your customers’ travel protection plan at their fingertips, making it easy to check their coverage benefits, connect to our 24/7 assistance, or file a claim on the go.

What makes Allianz TravelSmart even smarter? We’ve loaded it with safety features to help customers explore more securely, including timely alerts about events that may impact their travels, a locator for nearby emergency assistance, medical translations, and more.

“I cannot even begin to tell you how wonderful my experience was with Allianz!! I had a terrible ski accident in France and every single Allianz person was unbelievably helpful. I now recommend Allianz to everyone I know and I will NEVER travel overseas without it. I am so very grateful for all the support I received.”

- Lindsay T., MN, 2021

“So often when you buy warranty or insurance it’s hard to actually get it to do what it’s supposed to do, but Allianz worked as it should. The cost for travel insurance is so negligible that it’s a no brainer to add to your trip.” 

- Kyle Y., GA, 2021

“When I filed my claim your company made the process very easy. And you did not try to avoid your contract responsibilities like many other insurance companies with whom I have had to work with. I have recommended you to all of my travel friends.” 

– Scott H., IL, 2021

Have questions about our products or services?

  contact us — we’re here to help. .

The Allyz® TravelSmart App

With our all new Allyz TravelSmart app, we're amplifying protection beyond the traditional touchpoints, giving travelers refreshingly relevant services for every stage of their journey—right at their fingertips.

Meet Allyz TravelSmart, the digital companion for today’s traveler

Get more out of your policy:, get help with your travel plans:, spread the word.

Now, Allianz Travel Insurance includes the all-new Allyz TravelSmart App—helping your clients make the most of their trip and their plans with quick access to features like:

• File a claim right from your phone
• Organize itineraries in one spot
• Manage your travel insurance plans
• Locate a quality hospital when you need one
• View coverage details
• Translate common medical terms
• Contact customer care in just a couple taps
• Get destination-specific safety and security alerts

Tell clients to download † Allyz TravelSmart before every trip.

*Terms, conditions, and exclusions apply. Plan(s) underwritten by BCS Insurance Company or Jefferson Insurance Company. AGA Service Company is the licensed producer and administrator of these plans. Plans include insurance benefits and assistance services. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected]. No purchase necessary to download the app. Your use of the Allyz® TravelSmart app and any and all content thereon is at all times subject to the Terms of Use. Please note that your mobile device must be compatible with international networks to use certain features overseas, such as calls to 24-Hour Hotline Assistance. Message, data and roaming rates and charges may apply to your use of the app and content thereon and be charged by your mobile carrier or other service provider. This application is not a substitute for medical advice or treatment. All plans/claims subject to policy terms, conditions, and exclusions. AWP USA Inc. and its affiliates, including Jefferson Insurance Company and AGA Service Company d/b/a Allianz Global Assistance, are committed to protecting your privacy. By using the Allyz® TravelSmart app, including any content thereon, you are consenting to the collection and processing of your personal data under as described in our Privacy Policy.

iOS, iPhone and App Store are trademarks of Apple Inc. Android and Google Play are trademarks of Google Inc.

†Allianz Global Assistance does not charge for this service. Message and data rates may apply from your mobile carrier. iOS, iPhone and App Store are trademarks of Apple Inc. Android and Google Play are trademarks of Google Inc.

More from #Help Center

Why Classic and Premier are Go-to Trip Protection for Families

As more families embrace the multi-generational travel trend, more travelers are turning to the Allianz Travel Insurance Classic and Premier plans to protect multiple people on one plan—making both an excellent way to enhance their experiences while growing your business.

How Plans with a Cancel Anytime Provision Work

Have your clients ever worried about canceling a trip for a reason that’s not covered by travel insurance? Allianz Travel Insurance plans with a Cancel Anytime provision can be a great option for them.

How Concierge Services Can Help Your Customers

You can’t plan every minute detail of your customer’s trip—and sometimes, customers don’t want you to! Allianz Travel Insurance offers assistance for emergencies, but sometimes, minor hiccups or inconveniences can threaten to derail a trip, too.

Have more questions?

We’re here for you! Drop us a line and let us know what questions you have. Your dedicated team is always happy to help.

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Contact Allianz Assistance

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Use our online service to file a travel claim.

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Cambridge 700 Jamieson Parkway Cambridge, ON, N3C 4N6 Canada

Toll free phone: 1-800-461-1079   Local phone: 1-519-742-2800   Fax: 1-519-742-2581

How to reach Allianz Global Assistance  

Please don't hesitate to contact us for any questions, anytime. 

We're here to assist with:

• Questions about our products and services • Purchasing a policy • Emergency travel assistance • Filing or questions about your claim

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Travel insurance

Find the right travel insurance policy with allianz assistance.

AWP Assistance UK Ltd , trading as Allianz Assistance and Allianz Global Assistance , is a subsidiary company of Allianz Partners SAS. AWP Assistance UK Ltd is authorised and regulated by the Financial Conduct Authority in the United Kingdom to provide insurance products and services.  

Please note that, whilst AWP and Allianz Insurance are part of the global Allianz SE group of companies, AWP and Allianz insurance are separate companies and not part of the same group of companies in the UK. Any communications regarding Allianz Assistance services should therefore be addressed to AWP .

A range of cover options are available including single and multi-trip, 24/7 medical cover, backpacker,  winter sports and more. 

Whatever type of trip you're taking, Allianz Assistance will help you find a plan that covers the "what ifs?". 

Extended Car Warranty

Allianz Assistance is the trusted car warranty provider for ten of the UK’s leading car brands.  Find out more on Allianz Assistance about the three levels of car warranty that are available.

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Travel Insurance claims

What to do if the unexpected happens.

If you need immediate emergency assistance, contact the local emergency services at your destination. Otherwise, if the unexpected happens while you’re on your trip, contact us on +61 7 3305 7499 as soon as you can. If you need help while travelling, Australian-based case managers are here for you 24/7, with registered nurses and doctors available. Call charges may apply.

If you can’t call us right away, make sure you keep any documentation that may help with your claim. This could include things like receipts, invoices, medical records, or police reports. 

How to make a Travel Insurance claim

1. complete the claim form, 2. provide supporting documentation, 3. we’ll be in touch, the details we need.

• Your policy number and personal details
• Supporting documentation for your claim (this could include your itinerary, receipts, authorisation letters, medical records, police reports, or flight details)
• Bank account details for payment of your claim

Tracking and updating your claim

If you don’t have all the information or documentation to complete your claim online, you can save it at any point and come back to it when you’re ready. Once your claim has been submitted online, you won’t be able to edit the details of your claim submission. You can email additional information together with your Online Submission Number (OSN) to Travel Claims . Your OSN is a unique number attached to your claim so we can identify it. It’s given to you when you submit your claim.

You can also track the progress of your claim online . You’ll need your OSN, last name and date of birth.

What happens next?

Once we’ve received your claim, we’ll do the following:

• Send you an email confirmation with a summary of your claim, including your OSN.
• Contact you within 10 business days to give you an update on the progress of your claim and encourage you to contact us if you have any questions.
• Assess your claim and contact you if we need more information.
• Provide you with a written outcome of your claim. If your claim is accepted, we’ll make prompt payment and provide transaction details. If your claim isn’t accepted, we’ll advise you of the reasons and your right to request a review.

Complaints and dispute resolution

We strive to do things the right way and keep our customers happy, but we understand that not everyone agrees with the outcome of their claim. We aim to resolve disputes in an honest, efficient, fair, transparent and timely manner. If you’re not happy with an outcome or decision made about your claim, please contact us and we’ll aim to resolve your complaint using our internal dispute resolution (IDR) process . 

Allianz Global Assistance contact details

Allianz Global Assistance website

1300 795 636

Email IDR Committee

Locked Bag 3014, Toowong DC QLD 4066

If you’re not happy with how we’ve handled your complaint, or we don’t make a decision within the timeframe we tell you, you can escalate your complaint to the Australian Financial Complaints Authority (AFCA). AFCA provides a free and independent dispute resolution service for consumers who have general insurance disputes falling within its terms. 

 If you want to refer your complaint to external dispute resolution, you can contact AFCA using the following details:

The Australian Financial Complaints Authority

AFCA website

1800 931 678

GPO Box 3, Melbourne VIC 3001

Ready to get started?

Frequently asked questions.

Call emergency services in your location immediately if your condition is life threatening.

Otherwise, call us on +61 7 3305 7499 (overseas) or 1800 010 075 (within Australia). Additional charges may apply for any calls made from mobiles, public telephones or hotel rooms.

If you receive medical treatment overseas, you can either:

• pay for your reasonable medical bills and submit a claim for reimbursement or 
• submit the account with your claim form to Allianz Global Assistance to pay the provider directly. 

In both scenarios, the expenses will be reviewed to determine if coverable by the policy.

Medical expenses must be incurred on the advice of a Medical Adviser. Make sure that you obtain a detailed medical report outlining the condition treated and treatment received.

Base excess

Every travel insurance policy has a base excess, which will be shown on your Certificate of Insurance. It'll apply to all insured events causing a claim, except under certain benefits. Refer to the Excesses section of the Product Disclosure Statement (PDS) for the benefits that don’t have an applicable excess. 

When buying your policy, you’ll have the option to choose your base excess amount. You may vary the base excess on any of our plans by choosing to:

• pay an additional premium to decrease the base excess or
• reduce the premium you pay for your policy by increasing the base excess. 

Medical excess

Additional excess.

Some benefits attract an additional non-removable excess which is applied on top of the base excess.

Snow and Adventure packs have an additional excess of $500 per pack meaning you’ll need to pay a $500 excess in addition to your chosen base excess for Overseas Medical & Hospital Expenses or Cancellation claims resulting from your participation in snow sport or adventure activities. Refer to the Excesses Section of the PDS for more information. 

We support the General Insurance Code of Practice. The purpose of the Code is to raise standards of practice and service in the general insurance industry.

If we refuse your claim or part thereof, you can request a review. If you're still not happy with the outcome of your claim, you can have your situation reviewed as part of the Allianz Global Assistance internal dispute resolution (IDR) process. Refer to the Product Disclosure Statement (PDS) under the heading ‘Complaints and disputes’ for more details.

Our Client Services Department contact details are:

1300 725 154

Allianz Client Services

Level 16, 310 Ann Street

Brisbane, QLD 4066

If you’re not satisfied with our response or you feel your matter isn’t resolved, you can refer your complaint or dispute to the Australian Financial Complaints Authority (AFCA) . AFCA provides a free and independent dispute resolutions service for consumers who have general insurance disputes falling within its terms.

AFCA’s contact details are:

Australian Financial Complaints Authority

Melbourne, VIC 3001

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Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, exclusions, limits and applicable sub-limits apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631, trading as Allianz Global Assistance (AGA) as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Travel Insurance is underwritten by the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply.

We don’t provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision, please consider the Product Disclosure Statement available on this website. If you purchase this insurance, AGA will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.

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How can we help?

Head office address.

Allianz Global Assistance 700 Jamieson Parkway Cambridge, ON, N3C 4N6 Canada

Toll-free telephone: 1-800-461-1079 Local telephone: 1-519-742-2800 Fax: 1-519-742-2581

Canada mailing address

Allianz Global Assistance P.O. Box 277 Waterloo, ON N2J 4A4 Please send any courier or registered mail to our Head Office address at 700 Jamieson Parkway in Cambridge.

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For travel claims, non-emergency, insurance sales & general inquiries contact:

Customer Service/Complaints

From 8am to 8pm (GST) Monday to Friday:

Telephone (From outside SA): +971 4 270 8705

Telephone (from SA):  +27 11 214 7970

Email: [email protected]

Whatsapp: +971 56 2164563  

Open or follow up on a claim

Online Claim (24/7): File a claim

Email: [email protected]

WhatsApp: +971 56 216 4563

24h Emergency Medical Assistance

For 24-hour Medical Emergency:

Telephone: +971 4 270 8705

Whatsapp: +971 56 216 4563

Email: [email protected]

Introduction to Generali Global Assistance Travel Insurance

• Generali Global Assistance Cost

Compare Generali Travel Insurance

• Why You Should Trust Us

Generali Global Assistance Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Generali Global Assistance is a well-established name within the travel insurance industry. Ideally, this translates to a travel insurance company with first-class service and coverage. The question for many consumers is simple: Does Generali live up to customers' expectations?

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 plans with diverse coverage including sporting equipment and medical and dental
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Buyers can get up to $1 million in emergency assistance coverage with the premium plan
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable premiums
• con icon Two crossed lines that form an 'X'. CFAR coverage is expensive relative to standard policies
• con icon Two crossed lines that form an 'X'. CFAR only covers up to 60% of non-refundable costs
• con icon Two crossed lines that form an 'X'. Multiple reviews indicate claims team didn’t start processing claims until policyholders called more than 30 days after filing

Generali Global Assistance is a reputable travel insurance provider offering multiple tiers of travel insurance coverage at reasonable rates. It offers the standard coverage for trip cancellations, emergency medical expenses, and evacuations. However, Generali falls short of the best travel insurance companies . 

While Generali's coverage isn't necessarily bad by any means, it fails to distinguish itself in any way. Its plans are on the cheaper side, but aren't the cheapest. Its offers all the key coverages, but limits aren't exceptionally high. Even its additions are middling, such as its cancel for any reason coverage, which reimburses you for 60% of your nonrefundable costs when most of the best CFAR travel insurance offers 75% coverage.

It's also worth mentioning that Generali is notably strict on its pre-existing condition coverage. Pre-existing condition waivers are only offered with the most expensive Premium plan, and travelers must purchase the plan within 24 hours of their final trip deposit. 

Coverage Options Available With Generali

Generali offers three tiers of travel insurance coverage: Premium, Preferred, and Standard. All three travel insurance policies cover baggage delay and loss, travel delay, interruption, cancellation, and missed connection reimbursement benefits.

Here are some of the highlights for each plan to help you better understand what coverage you may need:

The Standard Plan offers the lowest coverage with more budget-friendly premiums. It offers up to 125% reimbursement for trip interruption and up to $1,000 in travel delay reimbursement. Policyholders are limited to $250,000 per person for emergency assistance or transportation. If your baggage is lost, you'd have $1,000 to replace toiletries, clothing, and other belongings.

With the Preferred plan, you can expect 150% reimbursement for inevitable trip interruptions. It also offers travelers up to $1,000 per person for travel delay reimbursement. In addition, the emergency assistance or transportation coverage drops from $1 million to $500,000 per person, and travelers can enjoy up to $1,500 per person if baggage is lost.

Generali's Premium plan offers generous coverage for various scenarios. For example, you'll enjoy up to 175% reimbursement of your trip cost if your travels are interrupted for reasons beyond your control. Generali's Premium plan also includes up to $1,000 per person in travel delay reimbursement and up to $1 million per covered individual for emergency assistance or transportation. Finally, it has up to $2,000 per person in replacement expenses (i.e., toiletries, clothing, and other necessities while you wait for your delayed bag) if your baggage is lost.

You can compare Generali's three plans below.

Additional Coverage Options

Generali offers two add-on services alongside your base travel insurance plan:

Trip cancellation for any reason (CFAR)

Cancel for any reason (CFAR) coverage reimburses you for nonrefundable expenses associated with canceling travel you've already paid for. Generali's Premium plan is eligible for CFAR coverage which pays you back for 60% of the total nonrefundable cost of your travel.

You must purchase CFAR coverage on your Premium plan within 24 hours of your initial deposit. However, eligible customers can take advantage of its full benefits, as the name suggests, for any reason. Medical problems, family emergencies, work scheduling issues, or just changing your mind are a few of the reasons Generali might pay a CFAR claim.

Preferred and Standard plans are not eligible for CFAR upgrades. New York residents are also not eligible for CFAR coverage. Generali's website estimates buyers will pay an additional 50% in travel insurance premiums for this rider while the max reimbursement is only 60% of the "penalty amount" (i.e., nonrefundable costs).

Rental car damage protection

Travelers can also purchase rental car coverage alongside their travel insurance policy. Premium plan customers already have up to $25,000 in rental car protection in their policy benefits. Preferred and Standard plan holders can purchase the same coverage amount.

Texas residents are not eligible for rental car coverage. If you're unsure about this rider, we recommend checking the limits of your auto insurance . Generally, U.S.-based auto insurance extends to rental cars. But you may want to supplement your coverage depending on what you already have.

Generali Global Assistance Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The  average cost of travel insurance  is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for the plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate Generali's coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following Generali travel insurance quotes:

• Generali Standard: $82.50
• Generali Preferred: $95.70
• Generali Premium: $113.47

Premiums for Generali plans are between 2.75% and 3.8% of the trip's cost, well below the average cost of travel insurance. It's also relatively cheap compared to many of its competitors

Generali provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• Generali Standard: $108.75
• Generali Preferred: $126.15
• Generali Premium: $145

Once again, premiums for Generali plans are between 2.7% and 3.6%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following Generali quotes:

• Generali Standard: $271.14
• Generali Preferred: $304.68
• Generali Premium: $459.02

Premiums for Generali plans are between 4.5% and 7.7%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to Purchase and Manage a Generali Policy

To buy a Generali travel insurance policy, you'll need to obtain a quote on its website. You'll need to enter your intended destination, travel duration, number of travelers, state of residence, age of traveler(s), and total cost of your trip. 

You'll get quotes for all three Generali plans with general overviews of the policy benefits. You'll also find a detailed coverage description when you click "View Plan Documents." We highly encourage you to read through the terms to fully understand your policy. You can call 888-210-2134 for Generali's customer service line when purchasing a policy.

How to File a Claim with Generali Travel Insurance

To file a claim with Generali's travel insurance division, start at the eClaims portal .

You can also call its claims department at 800-541-3522 for assistance. Generali promises all insurance claim calls will be returned within one business day, and most calls are returned on the same day they are received. Many people reported quick claims processing and reimbursement when we reviewed recent customer feedback.

However, several reviews described waiting over 30 days only to discover Generali had yet to review their claims submission. As such, if you are still waiting to receive a response indicating Generali is working on your claim within a few days, we recommend checking in with customer service.

You'll need to provide supporting documentation for your claim, such as proof of travel delay from the airline or relevant claim checks for lost baggage. Your eClaims portal should give you the necessary details and update you on the ongoing status of your claim. Email the claims team for questions at [email protected] or use the eClaims chatbot for automated assistance.

Generali Customer Service and Claims Experience

Generali's reviews vary wildly depending on the site you check. On its Better Business Bureau page, Generali scores an average of 1.11 stars across 315 reviews. On Trustpilot, it scores an average of 3.5 stars across 419 reviews. Lastly, it has an average of 4.33 stars on SquareMouth across nearly 4,500 reviews. 

Many five-star reviews mention how easy it was to purchase a Generali plan and how that plan gave them peace of mind while traveling even if they never had to file a claim. However, most of the mixed reviews come from people who filed claims, reporting long wait times, uncommunicative claims agents, and claim rejections with no explanation. 

That said, Generali's customer service team is generally very responsive, particularly on its BBB and Trustpilot pages. Reviews on these pages generally get a response within a week. 

Learn more about how Generali Travel Insurance compares to popular travel insurance companies.

Generali Global Assistance Travel Insurance vs. Nationwide Travel Insurance

Nationwide Travel Insurance is part of an extensive network of insurance products. Unlike Generali, you'll recognize any Nationwide Travel Insurance product as it's listed on the same website. In addition, Nationwide Travel Insurance offers bundling discounts, depending on what you're buying. It also sells short-term and long-term insurance plans (like auto and home).

Nationwide has been in business since 1925. Its travel insurance wing offers plans and coverage options to suit diverse travelers' needs. Customer review sites like Trustpilot had reviews complaining about long wait times and claims overlooked with Generali. Nationwide's reviews described long processing times, poor communication, and other claims-based issues.

If you're solely concerned about coverage and rates, Generali is upfront about the fact that its CFAR coverage is exceptionally costly. The company's website seems to imply the CFAR rider's cost is bloated compared to its value. But its basic plans have a few more perks compared to Nationwide Travel Insurance's single-trip plans. And while Nationwide Travel Insurance offers cruise plans and multi-trip options, Generali does not match at the time of this review.

Read our Nationwide Travel Insurance review here.

Generali Global Assistance Travel Insurance vs. Allianz Travel Insurance

Allianz Travel Insurance is another reputable insurance company that has been in business since 1890. Allianz Travel Insurance is one of the biggest names in travel insurance, serving more than 55 million travelers across dozens of countries.

Both Generali and Allianz Travel Insurance offer comprehensive single-trip coverage options for travelers. Generali's website makes reviewing and comparing its three travel insurance plans easy. However, Allianz Travel Insurance offers annual (multi-trip) policies while Generali doesn't. Both companies list rental car protections for some travelers.

Allianz customers leaving reviews online indicate the claims process may be confusing and drawn out. Most importantly, a few reviews cautioned future travelers to come in with complete documentation. In our experience, offering more paperwork rather than less with Allianz Travel Insurance is better.

Read our Allianz Travel Insurance review here.

Generali Global Assistance Travel Insurance vs. InsureMyTrip

InsureMyTrip.com is an insurance broker that uses your travel details to collect insurance company bids on your behalf. You can enter your information and get multiple quotes back. As a result, Generali may be one of the insurance providers providing you with a quote through InsureMyTrip. Rates may not match what a provider would offer on its website, though. Broker websites like InsureMyTrip often charge a premium to account for third-party fees or offer discounts as a partner company knows it's competing for customers no matter what. Whatever the case, InsureMyTrip makes it easier to shop for travel insurance. However, it would not process any claims. So for some consumers, it may be more complicated to determine where to go to make a claim against their policies or get help if something goes wrong.

Read our InsureMyTrip Travel Insurance review here.

Why You Should Trust Us: How We Reviewed Generali Global Assistance Travel Insurance

When evaluating travel insurance companies, we consider various factors, including the number of plans available, the coverage, feedback from customer reviews, average premiums, customer support, ease of filing claims, and reimbursement times. No single factor can truly determine how travel insurance companies stack up.

These factors together allow us to develop ratings for each travel insurance company. Then we break down the pros and cons, pointing out potential issues. We also aim to bring to light solutions other buyers have already found should you choose to work with the travel insurance provider being reviewed.

You can read more about how Business Insider rates insurance products here.

Generali Global Assistance Travel Insurance FAQs

Generali's Premium plan covers pre-existing conditions if you buy the policy within 24 hours of your final trip deposit. Its Preferred and Standard plans do not offer pre-existing condition coverage.

Generali has additional coverage options for rental car insurance for its Preferred plan and CFAR coverage for its Premium plan. 

In case of emergency assistance needs while covered by Generali, policyholders should contact Generali's 24/7 hotline for immediate support. You can reach the hotline at 877-243-4135 in the U.S. and 240-330-1529 worldwide.

Generali's travel insurance coverage may include limitations or exclusions based on travel destinations, especially in relation to governmental travel advisories or high-risk areas. Policyholders should review Generali's policy documentation or contact them directly for clarification on any geographic restrictions.

Generali states it will review claims within 30 days, but customer reviews have described longer wait times.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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Packaged Bank Account Travel Insurance

Have peace of mind when you're on holiday with travel insurance that covers you.

About Travel Insurance as part of Packaged Bank Accounts

Travel Insurance, administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA, is just one of the insurance benefits that come with our Packaged Bank Accounts . Our Silver & Platinum Accounts are packed with benefits including Family travel insurance, AA Breakdown Family Cover and mobile phone insurance for a monthly fee to maintain the account.

Travel Insurance is also a benefit on the Premier , and  Gold  accounts however these are no longer available to new customers.

If you’re a Platinum, Premier, Gold or Silver account customer, please read our FAQs (PDF, 145KB) for more information about the travel insurance which comes with your account and COVID-19. You can also visit our payment disputes page , for help if your travel has been disrupted.

Compare accounts

How do I make a claim?

You can log your claim online using the Allianz Assistance Hub that can be securely accessed through your mobile banking app or by using Internet Banking. You can also make a claim by calling Allianz Assistance on  +44 (0)345 850 5300 .

Eligibility for each account

I have a silver account expandable section.

If you have a Silver Account the account comes with European Travel Insurance for you and your family (if eligible) including Winter Sports. This insurance policy is administered by AWP Assitance UK Ltd (trading as Allianz Assitance) and underwritten by AWP P&C SA.

Am I eligible for cover?

• All cover under the policy stops on the account holders 65th birthday - as long as the account holder is under 65, their spouse, civil partner or partner will be covered until they reach 65 years of age.
• Children must be 18 or under, or 24 or under if they're in full time education and must travel with the account holder, their spouse, partner, civil partner or a responsible adult. There's cover for a dependent child where they are staying with a responsible adult even if they were not accompanied during their travel to the destination.
• Subject to continued eligibility, you and your family are covered for travel within Europe as long as your Silver account is open.
• Keep in mind the cover is provided only if you will be living in the United Kingdom for at least six months during each 12 month period where all trips must start and end.

Medical conditions that you or your family have (or have had), which are not all on the ‘No Screen Conditions’ list in your policy document are not covered by this policy. To see if these can be covered you must call the insurer declaring all medical conditions, including those on the list and an extra cost may apply.  Before you book a trip you also need to let the insurer know of any new conditions or changes to existing ones. Please refer to the Silver welcome pack (PDF, 1.7MB) for full details of any exclusions.

Once your account has been opened should you wish to notify the insurer of any medical conditions please call the number below.

• Silver Account:  0345 603 1839

Lines are open 24/7.

Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an advisor for more information.

I have a Gold, Platinum or Premier Account expandable section

If you have a Gold, Platinum or Premier Account,  the account comes with Worldwide Travel Insurance for you and your family (if eligible) including Winter Sports. This insurance policy is administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA.

• All cover under the policy stops on the account holders 80th birthday - as long as the account holder is under 80, their spouse, civil partner or partner will be covered until they reach 80 years of age.
• Subject to continued eligibility, you and your family are covered for worldwide travel as long as your Lloyds Bank Gold, Platinum or Premier account is open.
• Keep in mind there is only cover for losses suffered whilst you are a UK, Channel Islands or Isle of Man resident and are registered with a Doctor in the UK where all trips must start and end.

Medical conditions that you or your family have (or have had), which are not all on the ‘No Screen Conditions’ list in your policy document are not covered by this policy. To see if these can be covered you must call the insurer declaring all medical conditions, including those on the list and an extra cost may apply. Before you book a trip you also need to let the insurer know of any new conditions or changes to existing ones. Please refer to the relevant policy document for full details of any exclusions.

Once your account has been opened should you wish to notify the insurer of any medical conditions please call the appropriate number below.

• Gold Account:  0345 850 5056
• Platinum Account:  0345 850 5300
• Premier Account:  0345 604 0440

What does my insurance come with?

• Multi-trip  European  travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children)
• Includes golf cover and cover for certain sports and leisure activities
• Covers UK leisure travel when two or more nights' accommodation is pre-booked (five nights for business trips)
• There's cover for you or someone covered under the policy if a booked trip needs to be cancelled because either you or they, or a companion you are travelling with is asked to quarantine on an individual basis because of exposure to a contagious disease
• Emergency medical cover (up to £10,000,000)
• Cancellation or curtailment cover (up to £5,000)
• Personal accident cover (up to £30,000)
• Baggage cover (up to £2,500, £500 of which for valuables)
• Travel disruption cover (up to £5,000)

Important note :

• The standard maximum trip duration is 31 consecutive days
• For Winter Sports maximum 31 days cover in any calendar year
• £75 excess per adult per incident may apply
• Other exclusions apply, see policy documents

Gold, Platinum and Premier Accounts

• Multi-trip  Worldwide  travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children)
• The standard maximum trip duration is 31 consecutive days - unless you are a Premier account holder, which is 62 consecutive days
• Gold and Premier accounts unavailable to new customers

Policy documents expandable section

• Silver Account Welcome Pack opens in a new window (pdf, 2.1 MB)
• Gold Account Welcome Pack opens in a new window (pdf, 1.3 MB)
• Platinum Account Welcome Pack opens in a new window (pdf, 2.6 MB)
• Premier Account Welcome Pack opens in a new window (pdf, 1.4 MB)

Important and emergency telephone numbers expandable section

You can find out more information about your travel insurance, or make a claim using the appropriate membership numbers below.

• Silver Account: 0345 603 1839
• Gold Account: 0345 850 5056
• Platinum Account: 0345 850 5300
• Premier Account: 0345 604 0440

Lines are open 24/7. Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an advisor for more information.

24-hour assistance helpline (outside the UK):   +44 (0)208 239 4010 .

Packaged Bank Account benefits

Explore the other benefits of a Packaged Bank Account. Our Silver & Platinum Accounts include Family travel insurance, AA Breakdown Family Cover and mobile phone insurance for a monthly fee to maintain the account.

Mobile phone insurance

AA Breakdown Family Cover

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Manage your account  Find out how to manage your account, from reporting a card lost or stolen to things you can do online

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Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

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• Travel Insurance

The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Travel Insurance For Canada: What You Need To Know Before You Go

Updated: Apr 30, 2024, 1:13pm

Table of Contents

Do you need travel insurance for canada, what type of travel insurance do you need, what does travel insurance for canada cover, what does travel insurance exclude, best travel insurance for canada, frequently asked questions (faqs).

From hiking trails in Ontario to traversing the slopes of the famous ski resort town of Whistler, there is no shortage of places to visit in Canada.

The vast North American country is a popular destination for travel-loving Aussies. In addition to a growing share of business travelers, more than 350,000 Australian tourists typically visit Canada each year.

While visitor numbers faded during the Covid-19 pandemic, the multitude of Australians heading to the Great White North has picked up in the last two years, particularly to experience the country’s stunning landscape.

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Travel insurance for Canada isn’t compulsory, but it’s highly recommended to cover for any lost or stolen baggage, the possibility of your trip getting cancelled due to an emergency, illness such as Covid-19 or bereavement, and to cover medical expenses.

The Australian Government’s Smartraveller website recommends that travellers purchase travel insurance before any overseas trip.

As in any foreign country, medical care in Canada can be expensive for visitors, with a visit to a doctor potentially setting you back by hundreds of dollars.

The Australian government won’t cover these costs, and there is no reciprocal healthcare agreement between Australia and Canada, so you aren’t covered by Australian Medicare either.

In addition, given the large geography of the country covering a variety of destinations from beaches to mountains to national parks, it is wise to hold insurance cover for a multitude of events and a variety of potential risks including natural disasters, crime or other types of emergencies.

International travel cover for Canada is generally available in the following ways:

Basic travel insurance

This type of policy is broadly focused on cover for unlimited overseas emergency medical expenses, but also includes insurance for luggage, personal liability and other essential benefits. It is usually the cheapest option available and is suitable for those traveling on a budget or for single trips.

Comprehensive travel insurance

This type of insurance typically includes higher amounts of cover for the essentials benefits such as medical expenses, luggage, personal liability, and so on. In addition, it includes cover for travel delays, rental vehicle excess, loss of passports and credit cards, hijacking, disability, accidental death, and more, depending on your policy.

Some insurers offer variations of the comprehensive policy that are suitable for multiple trips within a 12-month period.

Optional add-on policies

Given the growing number of Australians heading to Canada for cruises, road trips or to the ski slopes, some insurers have come up with add-on policies specifically tailored for a variety of adventure sports and transport options available. These include cruise packs, winter sports packs and even higher cover for rental vehicles.

Related: How Much Does Travel Insurance Cost?

Most international travel insurance policies will cover medical and hospital expenses, ambulance transportation, repatriation flights, as well as personal liability if you injure someone, or damage property while you’re in the country.

Policies will also cover, within limits, lost or delayed luggage and possessions, the costs of trip delays, interruptions or cancellations, and lost or stolen travel documents.

Comprehensive policies usually offer a broader cover to include personal accident cover in case of an injury during your trip that leads to permanent disability or death, and insurance excess payment if your rental car meets with an accident.

If you are planning to take advantage of Canada’s vast offering of adventure sports and activities, make sure these are covered by your policy—or that there is an option to add it on.

Most comprehensive policies will include popular sporting and leisure activities such as hiking, surfing, kayaking, and so on. However, more extreme activities such as skydiving, scuba diving, snow skiing or snowboarding will generally require an additional adventure sports cover at extra cost.

Most travel insurance policies to Canada will not provide cover in the following cases:

• Illegal activities: Insurers will reject any claims arising if you knowingly act illegally or dangerously.
• If you are under the influence: Insurance cover is specifically void if you cause a disturbance through drunken behaviour or under the influence of drugs.
• Unattended luggage: Insurers will ignore any claim for loss if your luggage is stolen while it was left unattended in public.
• Pre-existing medical conditions: Insurers can avoid claims for any major medical conditions, if they have not been made aware of these before taking out a policy.
• Extreme sports: International travel insurance policies generally don’t provide automatic coverage for things like extreme sports, snowboarding or surfing. An optional add-on cover is required for these activities.

Most travel insurers in Australia offer insurance policies for travel to Canada. What policy suits you best will depend on your requirements including duration, age, and the type of cover.

It will also be determined by your specific needs, such as whether you are taking part in snow sports or other adventure activities.

An easy way to compare travel insurance policies is to use an online comparison tool, or read through our leading picks of travel insurance policies for Australians . However, always consider whether or not they include the extras you will require for your trip, and any pre-existing medical conditions you would require cover for.

Featured Partners

Do I need travel insurance to travel to Canada?

Travel insurance for Canada isn’t mandatory, but is highly recommended.

The Australian Government urges travellers to purchase travel insurance before any overseas trip, especially for medical cover.

Medical costs can be extremely expensive in a foreign country, especially if you have to visit a doctor, dentist or hospital in an emergency, so travel insurance is very handy.

Does my visa card have travel insurance?

Not every credit card comes with travel insurance. Complimentary travel insurance is typically offered on premium credit or rewards cards that have higher annual fees. In addition, this may not cover all circumstances or emergencies. By comparison, a travel insurance policy will offer more comprehensive coverage that includes emergency medical expenses.

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• Travel Insurance For New Zealand
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• Travel Insurance For Singapore
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• Travel Insurance For Vietnam
• Travel Insurance For South Africa
• Cover-More Travel Insurance Review
• Fast Cover Travel Insurance Review
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Prashant Mehra is a freelance journalist based in Sydney. He has more than 20 years of international experience covering financial news, including with Reuters and the Australian Associated Press (AAP). He writes about business, markets, the economy and investing.

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Fraudsters editing vehicle photos to add fake damage in UK insurance scam

Insurers report rise in cases of images being manipulated with ‘shallowfake’ technology

A surge in fraud cases in which photos are manipulated to show fake car crash damage is alarming insurers and helping to push motor insurance costs up to record levels.

The insurer Allianz said incidents where apps were used to distort real-life images, videos and documents increased by 300% between 2021-22 and 2022-23, and it added that this had “all the signs of becoming the latest big scam to hit the insurance industry”.

Rival insurer Zurich UK said it was also seeing more and more claims that had been doctored using so-called “shallowfake” technology, and that this was “becoming one of the most emerging threats from a counter-fraud point of view”.

While deepfakes are hoax images, videos or documents typically created using AI , shallowfakes can be created using conventional editing software on a phone and apps such as Photoshop.

Allianz, which includes the general insurance arm of LV= , said in one case an individual had a photo of his van posted on his social media page as part of his business and ended up having a claim pursued in his name for an accident that never took place.

LV= received images of his vehicle from the fraudsters that seemed to show the front bumper had been cracked in the alleged accident, along with a fake repair invoice for more than £1,000.

The LV= fraud team investigated and found the photo was identical to the one on the social media page, except for the fact that the image had been doctored to show the fake damage.

Allianz said the rapidly changing nature of fraudulent activities such as shallowfake technology and the rise of deepfakes “pose big risks to UK consumers”.

Scott Clayton, the head of claims fraud at Zurich UK, said recently that shallowfakes were most prevalent in motor insurance. He highlighted how fraudsters were using image editing software to add fake registration numbers to vehicles that had been written off.

“We have seen an increase in people locating total loss vehicles on salvage agents’ websites and then implanting a registration number on to that car. There are then claims made for that vehicle, and a claims handler assessing this claim would take that at face value – that it is that actual vehicle,” Clayton said.

Zurich said claims that had been completely manipulated using deepfake technology – often involving totally fake engineer reports and repair estimates – were also on the rise.

Clayton said that in the past, criminals who intended to scam insurers with “crash-for-cash” claims needed to physically have vehicles crash into each other. “People can now create a fraudulent claim entirely from behind their computer and extract significant sums of money because these cars are total losses.” he added.

Rising levels of fraud have been one of the factors contributing to higher motor insurance premiums.

This week it emerged that the average price paid for comprehensive motor insurance in the UK was about a third (33%) – or £157 – higher in the first quarter of this year than in the same period in 2023. The data was issued by the Association of British Insurers.

• Insurance industry

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