Company Overview
In an ideal world, we would never have to change plans or postpone a trip or vacation. However, due to changing plans and perhaps needing additional protection to cover your travel expenses, there is travel insurance. One company to consider for your insurance needs is Generali Global Assistance, formerly known as CSA Travel Protection, which has been providing protection for travelers since 1991. Although the company rebranded in 2017 to Generali Global Assistance, there are still travel insurance plans under the CSA Travel Protection name.
Financial Stability
The Generali Group has an A (Excellent) rating from the A.M. Best Insurance Rating Organization, as well as an A- Stable rating from Fitch and a Baa1 Stable rating from Moody’s.
Better Business Bureau Rating
The Better Business Bureau (BBB) file was opened for CSA Travel Protection in 1994 and has been a member of the bureau since 2009. Since the rebranding, the customer service rating for Generali Global Assistance has maintained an “A+” rating with the Better Business Bureau. There is a total of 197 customer reviews, with 556 total customer complaints over three years, as of September 2021. Among these complaints, there were 443 complaints regarding products/services, 13 complaints regarding advertising/sales, 71 complaints regarding billing/collections, 24 complaints regarding warranty/guarantee, and 5 complaints regarding delivery. Additionally, 98 of these complaints were resolved to the customer’s satisfaction. The company holds an overall composite rating of 1.03 out of 5 stars.
Available Plans
Travel insurance plans through Generali Global Assistance include standard, preferred, and premium plans. You can review information for each plan and get a quote and purchase coverage directly from the Generali Global Assistance travel insurance website. The preferred plan offers additional benefits for coverage of sports equipment, and the premium plan is designed for expensive cruise trips. All three plans provide a range of the following travel insurance benefits: trip cancellation, trip interruption, travel delay, baggage, baggage delay, missed connection, medical and dental care, emergency medical assistance and transportation, accidental death and dismemberment, and flight accident.
Optional Features and Services
You have the option to add these features and optional services through Generali Global Assistance travel insurance: 24/7 emergency assistance services, telemedicine, no out-of-pocket medical expenses, identity theft resolution services, concierge services, rental car damage insurance, trip cancellation for any reason.
Coverage Exclusions
Generali Global Assistance travel insurance plans are not available for travel to Cuba, Syria, North Korea, Sudan, the Crimean Peninsula in Ukraine, or Iran.
Pros
The company enjoys a strong financial strength rating and customer service rating from the Better Business Bureau. Generali Global Assistance travel insurance includes a 10-day free look provision, meaning you can change your mind within 10 days and receive a refund as long as you have not left for your trip yet. There are three travel insurance plans with comprehensive coverage options, making it easy to find the right travel insurance plan and buy your insurance policy online. Generali Global Assistance offers its customers a 24/7 emergency hotline available from anywhere in the world. There are appealing optional service options including concierge services, identity theft resolution, and telemedicine services.
Cons
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Carefully describe the coverage. If you have homeowners or renter’s insurance, those policies are considered primary and the Global Assistance travel assistance company will only cover what your primary insurance does not pay. Some complaints from policyholders state that the policy language is vague regarding what is and isn’t a valid reason for canceling your trip.
Summary
It’s a good idea to check and see how much coverage you have through other insurance documents before purchasing additional travel insurance. If you feel that you need additional coverage beyond what you already have, the travel insurance from the Global Assistance company is a good option to consider. It has a strong financial strength rating and an “A+” rating from the Better Business Bureau. The travel insurance plans from Global Assistance can be customized according to your travel insurance needs and also offer attractive optional features.
Contact Information
To learn more about the available travel insurance plans or to get a quote and purchase your insurance policy, you can visit the Global Assistance travel company website or call toll-free at 800-874-2442 in the United States. You can also send questions and comments via email to customerservice@generalitravelinsurance.com.
Source: https://www.thebalancemoney.com/csa-travel-protection-insurance-company-review-4147689
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