Generali France

Assistance call deadline

Policyholders must obtain Europ Assistance's prior agreement before taking any initiative or incurring expenses. Claims must be declared within 2 business days of becoming aware of the event for theft under the Baggage guarantee, and within 5 business days for all other guarantees; late declaration can cause loss of benefit if it caused prejudice to the insurer.

Unauthorized treatment

If Europ Assistance triggers an intervention due to insufficient or inaccurate information, the costs incurred are re-invoiced to the policyholder. If the insured refuses to follow the course of action deemed most appropriate by Europ Assistance's doctors, the insurer is discharged of all responsibility, including in the event of a self-organised return or a worsening of health.

Purchase while abroad

The effective date of cover cannot precede the date of subscription. If the covered stay has already begun at the time of subscription, a 3-day waiting period applies from the day after subscription, during which the consequences of any event are not covered.

Chronic conditions

Health conditions, illnesses or injuries diagnosed and/or treated with continuous, day-case or outpatient hospitalisation within the 6 months preceding the assistance request are not covered, whether this is the onset or the worsening of the condition.

Pregnancy

Requests related to medically assisted procreation or voluntary termination of pregnancy are excluded. Carriers may impose specific restrictions on pregnant travellers up to the time of transport, and repatriation of a pregnant insured is subject to the carrier not refusing and to no unfavourable medical opinion regarding the health of the mother or the unborn child.

Pre-existing condition exclusions

An event cannot be covered if it originates from a health condition, illness or injury diagnosed and/or treated with continuous, day-case or outpatient hospitalisation in the 6 months before the assistance request, whether concerning the occurrence or the aggravation of that condition.

Coverage duration limit

Cover applies for the trip dates stated in the Special Conditions, for a maximum of 90 consecutive days from the departure date. The Cancellation guarantee takes effect on the day of enrolment/subscription (if later) and expires on the day of departure.

Trip cancellation

Coverage for prepaid non-refundable trip costs in case of cancellation before departure

Emergency medical evacuation

Organization and payment of emergency transport and medical evacuation to home country

Baggage and personal effects coverage

Protection against loss, theft, or damage to baggage and personal items during travel

Travel delay coverage

Compensation for unexpected delays of transport (flights, trains, etc.)

Civil liability coverage

Protection against legal liability for bodily injury or property damage caused to third parties

24/7 Travel assistance services

Round-the-clock multilingual assistance for medical emergencies, legal support, and travel coordination

Schengen visa insurance compliance

Coverage meets Schengen Area visa requirements with medical coverage up to 60,000 EUR

Schengen visa medical coverage minimum

Generali's marketing page states that Europ Assistance covers medical expenses up to €60,000 and that the policy can be used to obtain a Schengen visa; this marketing figure is lower than the €150,000/€300,000 limits stated in the Evasio temporaire Tableau des Montants de Garanties and may relate to a different tier/product within the range.

Geographic coverage zones

Coverage applied based on destination zones (France, Europe, World depending on package)

Pre-existing medical conditions

Special conditions apply to travelers with chronic or recurring illnesses

Waiting period from effective date

Coverage automatically ceases 30 days after departure date; consequences of incident within 3 days of subscription not covered

Claims documentation requirements

Specific documents required depending on claim type (medical reports, cancellation invoices, police reports, etc.)

High-risk activities and sports exclusions

Coverage excludes or requires additional premium for high-risk sports (mountaineering, skiing off-piste, diving, etc.)

Alcohol and drug-related incident exclusion

Claims not covered if incident occurred while under influence of alcohol, non-prescription drugs, or narcotics

Reimbursement timeline

Reimbursement typically within 5-10 days of complete documentation receipt; medical advances processed immediately

Assistance line hours

The emergency assistance line and Informations santé service are available 24/7, 365 days a year; Informations Voyage and identity-document assistance are limited to 8:00am-7:30pm French time, excluding Sundays and public holidays.