vrbo generali travel insurance

About Generali Global Assistance

Generali Global Assistance, formerly known as CSA Travel Protection , pioneered the vacation rental travel insurance business in 1992 and we’ve been the industry leader for decades. We pride ourselves on providing the support that is crucial for happy and safe travel.

We specialize in travel insurance and assistance services designed to help protect your vacation rental trip and travelers. Our goal is to make travel protection plans easy to buy and simple to understand, and we promise to always be there to help get our travelers from distress to relief, anytime, anywhere.

Why should you choose Generali travel insurance?

Top-notch customer service and assistance.

Insurance plans are pieces of paper, but it’s what’s behind them that matters.  When things get real  and you need help while traveling or need to file a claim, our focus on service makes us stand out from other companies. One of the most important parts of our travel protection plans is the access you get to our network of employees and partners available 24/7 to provide the best possible  travel and emergency assistance services  no matter where you are worldwide.

Coronavirus Illness Coverage

If someone in your travel party falls ill from COVID-19 before or during your trip, you can be covered for Trip Cancellation, Trip Interruption, Travel Delay, Medical & Dental, and Emergency Assistance & Transportation help, in addition to our 24/7 Emergency Assistance services. 

No Hassle Travel Insurance Refund

Buy with confidence, knowing you have at least 10 days from the time of purchase to review your travel insurance and cancel the plan for a full refund of the plan cost if it doesn't meet your needs (as long as you have not left on your trip or filed a claim). 

Vacation Rental Damage Protection

Don’t worry, be happy on vacation. With Generali on your side, you can get  Damage Protection , which covers you for unintentional damage to the vacation home during your stay. 

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File a claim using the $1M liability insurance

Representatives from Generali Global Assistance & Insurance Services, the administrator behind this program, are available 24/7. If you have a claim, report it as soon as possible.   You should have as much information on hand about the incident when you call, including things like: 

• Full details of the incident.
• Any related documentation.
• Names of parties injured or claiming damage.

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Generali Global Assistance Travel Insurance Review: Is it Worth The Cost?

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Table of Contents

Generali Global Assistance plans and costs

Which generali travel insurance plan is best for me, coronavirus considerations, how to choose a generali plan online, what isn’t covered with generali, generali insurance, recapped.

• Three plan options.
• Includes wide ranging COVID coverage.
• The premium plan includes pre-exisiting medical condition coverage.
• Rental car coverage only on highest cost plan.
• CFAR only covers 60% of travel costs (75% is found elsewhere).
• Baggage delay benefits don't kick in until 24 hours on the Standard plan.

More travelers than ever are considering travel insurance, but navigating the vast seas of insurance companies and coverage options can leave you feeling less than enthused about your next trip. But if you want to protect your investment, Generali Global Assistance is a notable provider. Here’s what to expect and the plans the company offers.

Generali offers three different plans (Standard, Preferred or Premium), depending on what type of trip you’re planning. Each offers a different level of coverage and benefits.

Generali plan cost

Here’s a closer look at what a standard coverage plan with Generali might cost. Let’s say you and your partner — two travelers in their thirties — are planning to take a roughly $4,000 trip from New York to Germany for one week.

For this itinerary, a Generali Standard plan would cost $144. Rental car coverage isn’t included, but you can add it to your plan for $63 for the week.

The Preferred level of coverage can be a good option for those traveling with expensive gear like golf clubs or skis. For the same sample itinerary, a Generali Preferred plan would cost $162, an $18 upgrade from Standard. Rental car coverage is also extra.

The Premium plan is designed for luxury travel or vacations with a high price tag. Notably, this plan includes rental car insurance for no extra fee. Also important to note that only the Premium plan offers coverage for pre-existing medical conditions . A Generali Premium plan for our sample itinerary would cost $217, a $55 upgrade from Standard.

» Learn more: How to cancel a flight with travel insurance

It’s important to choose the right coverage for you and your trip based on your needs and what each plan covers. So make sure to look at each carefully.

If you have pre-existing medical conditions, your best bet will be to stick with the Premium plan. It’s more expensive, but you’ll be covered no matter what medical issues arise on your trip.

The Standard plan is the only one with no coverage for accidental death and dismemberment during on-the-ground travel (air travel is covered, though).

If you’re traveling with sports equipment, you may want to opt for one of the top two tiers of coverage. Just make sure to accurately estimate how much your gear is worth to ensure you’re getting the coverage you need.

If your trip is worth more, you’re bringing more luggage, etc., consider more expensive coverage. That way, if something goes wrong, you, your possessions and plans are more fully protected.

Unlike some other travel insurance companies, Generali (formerly known as CSA Travel Protection or colloquially as CSA Travel Insurance) offers COVID-19 coverage with every plan. That means that if you, a family member or a travel companion test positive for COVID-19 before or during your trip, you’ll be covered for trip cancellation and interruption, travel delay, medical and dental, and emergency assistance and transportation.

You’ll also be covered if you have to extend your trip due to quarantining or isolation and can’t return home on schedule.

You do have to meet certain requirements to qualify — such as using an approved test and taking it while in front of an authorized supervisor.

When it comes time to get a quote and choose your travel insurance plan, you can do so on the Generali website. Type in trip details like destination, where you’re from, your age, the total cost of the trip and your travel dates. Quotes for all three tiers of plans will be presented.

Then, select add-ons like rental car insurance if you’re not opting for the Premium plan and start the checkout process.

Like many travel insurance policies, there are several incidents that aren’t covered by Generali travel insurance. Examples include injuries that result from mental disorders, pregnancy, injuries as a result of being under the influence of drugs or alcohol, or if you are flying an aircraft yourself.

Destination matters, too. As of publication, you can’t get coverage for travel to Belarus, the Crimea Peninsula, Cuba, Iran, North Korea, Russia, Syria or Ukraine. Also, you won’t be covered for anything that results from acts of war or civil disorder.

If you’re participating in extreme sports or activities like skydiving, mountain climbing or backcountry skiing, many benefits won’t be covered.

No matter what policy you choose, read the fine print before your buy, including everything that’s excluded from coverage. That will help ensure there are no surprises if your trip goes awry.

Generali provides three tiers of travel insurance for those who want to protect their nonrefundable trip expenses and/or who want to have a safety net in case their travels are disrupted or canceled.

Just like with any travel insurance policy, check to see if you’re already covered before you buy ( many travel credit cards offer travel insurance ), determine what kind of coverage you need and how much, and always read the details of what is and isn't included in coverage. That goes for policies available from Generali Travel Insurance as well as other providers.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Home » Online Shopping » Vacation Rentals » How Does Vrbo Insurance Work?

How Does Vrbo Insurance Work for Travellers and Property Owners?

Having insurance to protect yourself and your assets is essential. Whether you are a guest or a host renting your property to travellers, unexpected and unfortunate accidents can happen to anyone.

In this article we will be getting into the nitty gritty of what Vrbo insurance covers for hosts and guests, so that both parties have one less thing to worry about. To learn more about how Vrbo works before you plan your next vacation, we’ll cover everything you need to know about Vrbo property and traveler insurance.

What is covered in this article

Vrbo insurance for owners and renters, vrbo insurance for travelers.

To help you book your next vacation with confidence, we’ll teach you all there is to know about Vrbo insurance. 

Vrbo’s $1M liability insurance provides owners and property managers with liability protection for all stays that are processed online through the HomeAway checkout, giving them $1,000,000 in primary liability coverage at no additional cost. From a renter’s point of view, they are insured to be reimbursed for the accident that happened at the host’s property.

How Vrbo insurance protects owners

The following types of scenarios describe what Vrbo’s insurance coverage includes for owners so that they don’t have to spend any money out of their pocket.

• Injury claims made by traveler s: If a traveller staying at your property injured themselves (by say falling down the stairs or burning their hand while cooking), the owner can file a claim with Generali to cover the medical bills against the $1M liability insurance plan.
• Property damage claims : If a traveller staying at your property causes damage to your property (such as damaging furniture, flushing something down the toilet that messes with the plumbing system, etc.), then the liability insurance would cover the cost of fixing it up to a maximum of $1 million.

How Vrbo owner insurance works

Vrbo’s $1 million liability coverage comes in handy, as most homeowners’ plans do not provide protection if the property is used as a vacation rental. In a situation where an owner doesn’t have liability coverage for their property, Vrbo’s liability insurance will provide the basic liability coverage. If someone already has a liability policy, Vrbo insurance will act as additional coverage on top of what they already have.

This insurance program applies to Vrbo properties listed anywhere in the world, and homeowners are not obliged to use it. However, any reservations processed through HomeAway checkout are automatically protected at no additional cost.

Vrbo offers insurance that travelers can purchase to protect the booking of their upcoming stay against unexpected cancellations, delays, and interruptions. A traveller can be reimbursed for non-refundable fees or any other out-of-pocket expenses if there is a problem with their stay for a reason that is covered under the Vrbo travel insurance.

Vrbo travel insurance

While making a booking on Vrbo, the traveller will be given the option to buy the Vrbo travel insurance at checkout and also after their booking is confirmed, in case they decide to buy it then. If the traveller is not satisfied with the plan for any reason, they can cancel their coverage within 10 days of buying for a full refund. If their trip is cancelled and they won’t be needing the insurance, all they need to do is call Generali at 877-880-0975 to cancel their Travel Insurance plan.

Vrbo Accidental Damage Protection

The Accidental Damage Protection plan provides guests with coverage for any accidental damage that could take place at the vacation rental during the period of their stay. If the owner holds the damage deposit or more money is owed to cover the loss, then Damage Protection can reimburse them for the difference. 

Like all other coverages on Vrbo, Generali Global Assistance has an accidental damage protection insurance plan that travelers can purchase 24 hours before check-in. Vrbo recommends damage protection to their travelers with children, pets, and when visiting in a large group.

Let us look at the different types of policy options that a traveler can purchase:

• $59 for $1500 coverage
• $79 for $3000 coverage
• $99 for $5000 coverage

Travelers get the option to buy the Accidental Damage Protection at checkout or when they make the payment on their booking. They can also directly purchase this on the Generali site . If the traveler(s) choose to purchase this protection, they will receive an email confirmation after their purchase containing the certificate of insurance and a copy of the policy. 

For any reason, if the traveler decides that they don’t want this plan, they can request a refund as long as it is before their check-in date. They must call Generali before their scheduled date of arrival to receive a refund. The policy is also eligible for a full refund, if the reservation is cancelled. 

We hope we have been able to help you understand everything there is to know about Vrbo insurance from a host and a guest’s point of view. You may also check out more articles in our Vrbo series to learn if Vrbo is safe and reliable and our overall review of Vrbo .

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VRBO Travel Insurance - 2024 Review

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• No Cancel For Any Reason option
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VRBO is an online marketplace for vacation rentals and is owned by Expedia Group.

VRBO advises customers to purchase travel insurance after booking the rental property. Generali US underwrites the VRBO policy, which offers a trip cancelation policy and a property damage add-on policy.

The damage protection program add-on policy covers $1,500 in property damage liability if you accidentally damage the property. Most travel insurance policies do not cover liability since it's not a standard travel hazard.

However, at TravelDefenders , we offer the  Trawick First Class , which includes a $5,000 Accommodation Property Damage benefit. It provides reimbursement for direct physical damage to covered real or personal property within the unit occupied by the insured during the trip.

Our VRBO Booking

For this review, our sample couple aged 55 and 60 have booked a beachfront rental in Cancun, Mexico, from May 28 – June 4.

The cost of the rental is $1,799.87 with the cleaning fee, service fee and taxes.

Here is the offer from VRBO's travel insurance page:

If they insure the condo rental through VRBO trip insurance, the cost is $125.99 and they can add $1,500 of damage protection for an additional $59 bringing the total insurance cost to $184.99.

Is this a good value? Let's find out.

What Does VRBO Insurance Include?

The policy provides trip cancellation and trip interruption as well as travel delay but medical coverage is not offered.

Is anything more comprehensive available in the open marketplace? Let’s see…

A Quote From TravelDefenders

Inputting our trip details into the quoting system at TravelDefenders , we’re presented with 28 quotes to choose from.

Since we’re traveling internationally, TravelDefenders recommends having at least $100,000 of medical coverage and $250,000 of medical evacuation coverage – coverage not even offered in the VRBO policy.

The least expensive plan on our quote with adequate coverage is the Trawick First Class for $127.84.

The policy provides $150,000 of medical coverage and $1 million of medical evacuation coverage as well as trip cancellation, trip interruption and a waiver of pre-existing medical conditions if the policy is purchased within 14 days of the initial trip payment or deposit date. This plan also includes $5,000 of property damage.

The Trawick policy is $54 LESS than the VRBO policy with the added damage protection and includes medical coverage and medical evacuation! Also, we can include other non-refundable costs such as airfare and tours to the trip cost and have those covered as well.

If we cancel for a listed reason in the policy, such as illness or injury, we’ll receive 100% of our trip costs back.

What if we want to have maximum flexibility to cancel our trip for ANY reason and not just the reasons listed in the policy?

For maximum cancellation flexibility, we’ll need to look at a different policy – a Cancel For Any Reason (CFAR) policy.

TravelDefenders – Cancel For Any Reason (CFAR) Policies

As the name suggests, Cancel For Any Reason (CFAR) policies allow you to cancel for any reason whatsoever and receive a partial refund of trip costs – either 50% or 75% depending on the policy purchased. These policies allow maximum cancellation flexibility.

Looking at the quote from TravelDefenders, the least expensive CFAR policy with adequate coverage for our trip is the Trawick First Class (CFAR 75%) for $217.33.

The policy provides the same coverage as the standard Trawick First Class policy of $150,000 of medical coverage and $1 million of medical evacuation coverage as well as provides a waiver to cover pre-existing medical conditions if the policy is purchased within 10 days of the initial trip payment or deposit date. Pricewise the policy is $32 more than the VRBO policy with the added damage protection, but includes medical coverage, medical evacuation and a waiver of pre-existing medical conditions which the VRBO policy doesn’t have.

If we cancel for a listed reason such as illness or injury, we’ll get a 100% refund of our trip costs but if we use a non-listed reason, we’ll get a 75% refund.

VRBO Insurance Summary

First, VRBO travelers save over $50 on travel insurance by working with  TravelDefenders  and enrolling in the Trawick First Class policy. Not only do they save money, but they also get much more coverage than the VRBO policy provides, including medical and medical evacuation coverage.

If more cancellation flexibility is desired, for a few dollars more, they can get a Cancel For Any Reason policy. It allows cancellation with a refund for any reason not listed in the plan and adds excellent medical and medical evacuation coverage.

We would not recommend any VRBO insurance option because it does not offer a  Waiver of Pre-existing Conditions , nor does it offer medical or medical evacuation coverage. We advise anyone taking out travel insurance shop the open marketplace to see what other options are available.

Get an Insurance Quote For Your VRBO Rental

When you shop at TravelDefenders you can compare quotes and policies from many top-rated travel insurance carriers.

Speak with one of our licensed travel insurance experts at +1(786) 321 3723,  by email  or  by live chat .

Safe Travels!

This article has been written for review purposes only and does not suggest sponsorship or endorsement of AARDY by the trademark owner.

Recent AARDY Travel Insurance Customer Reviews

Debra Wallace

It was quick and the coverage is good

Easy to get information

Easy to get information. Questions answered quickly. Fairly reasonable price. Coverage availability for travel from the US to Israel.

linda deguglielmis

Recommended.

Helpful, patient, knowledge staff along with reasonable pricing. Hopefully I won't need to use it but if I do I hope it does all it says it will cover.

Start your claim

Generali is committed to providing prompt, fair and equitable claims service. Start here to file your travel insurance claim online or contact our claims group.

What is your policy number? We will use this to direct you to the correct page in our eClaims portal.

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Don’t know your policy number or don't have one? Click here .

You may contact our  Claims Department  using the eClaims Chatbot, via email at [email protected] or toll-free at 800-541-3522.

Once you submit your travel insurance claim, you will receive an email confirming that we received it, and a dedicated claims team member will manage your case from start to finish. If any additional information is needed, they will contact you.

When you  file an eClaim , you can monitor the status of your claim or add required documents at that website.

We are pleased to provide details about the seamless payment process through the 'Bank of America - Recipient Select' digital payment hub. Follow the steps outlined below:

• Look out for an email from ‘Generali Global Assistance’ with the subject line ‘Initiate your payment from Generali Global Assistance.’
• Follow the link provided in the email to register.
• Log in or create an account using the email sent to your inbox.
• Verify your identity.
• Choose your preferred payment method within 5 days of registration. Options include bank transfer, debit card, Zelle®, PayPal, or check.
• Initiate your payment.
• Expect your payment to arrive within 1 hour to 14 days, depending on your chosen payment method.

Please note that failing to set up an account and/or initiate your payment within 5 days will result in defaulting your payment method to a check.

Payment timeframes

• Bank Transfer: 1-3 business days.
• Your Debit Card: Within 30 minutes to 1 day.
• Zelle®: Within 1 hour to 1 day.
• PayPal: 1-5 hours but may take up to 1 day.
• Check: 10-14 business days.

For more details, or to watch an instructional video, please refer to our full  FAQ .

The plan will go into effect the day after purchase at 12:01 a.m. Any loss that occurs before that time will not be covered under the plan. If you are unsure of your effective date, you may still go through the claims process to determine if you are eligible for benefits.

Claims need to be submitted within one year after a covered loss, but should be submitted as soon as possible.