Generali Tranquilidade

Assistance call deadline

The insured must contact the Assistance Service immediately when an incident occurs, explain what happened, and provide all information necessary to receive help. Claims must be reported within 8 days of the occurrence or the day the insured becomes aware of it.

Unauthorized treatment

Prior authorisation from the Assistance Service is required before incurring any expenses. Reimbursement of costs depends on prior authorisation by the Assistance Service. Expenses incurred without prior authorisation may not be reimbursed.

Purchase while abroad

The policy must be purchased before the trip starts. The coverage begins on the date and time specified in the Particular Conditions. There is no indication in the official documents that the policy can be purchased after departure.

Chronic conditions

Chronic diseases are not explicitly covered. The Assistance to Persons coverage applies to sudden and unforeseeable accidents or illnesses. Pre-existing or chronic conditions known before travel are not covered under the standard terms.

Pregnancy

Accidents and diseases due to pregnancy or childbirth are explicitly excluded from Personal Accident coverage. Pregnancy-related events are not covered.

pre_existing_conditions

Coverage applies only to sudden and unforeseeable accidents or illnesses. Pre-existing conditions are not covered as a standard benefit. Certain situations such as pre-existing diseases may have limitations and require additional coverage according to official product documentation.

coverage_duration_limit

For the temporary version, the insured can choose coverage periods of up to 4 days, 5–16 days, 17–30 days, or 31–90 days per trip. For the annual version, coverage applies to each trip throughout the year up to a maximum duration of 90 days per trip. Coverage ends at the end of the trip or on the date specified in the Particular Conditions. If the trip ends before the scheduled date, coverage ceases on that earlier date. The policy is automatically extended if a delay occurs for reasons beyond the insured's control (excluding Assistance coverages).

Trip cancellation

Reimbursement for trip costs if insured must cancel before departure due to covered reasons

Baggage and personal items protection

Coverage for loss, damage, theft or robbery of baggage and personal items during transport and stay

Flight delay compensation

Reimbursement for expenses incurred due to flight delays

Civil liability during travel

Coverage for bodily injury and material damages caused to third parties during travel

COVID-19 protection

Coverage for medical expenses and travel cancellation/interruption due to COVID-19 infection during trip

Family transport assistance

Coverage for transportation costs of family member to join insured person abroad in case of hospitalization

Geographic zones and pricing

Pricing determined by destination zone: Zone A (Europe, Morocco, Tunisia, Israel, Turkey) vs Zone B (rest of world)

Coverage period and automatic extension

Coverage starts on date/time specified in policy and ends at end of trip; automatically extends if trip is delayed for reasons beyond insured's control

Assistance service provider

Europ Assistance provides travel assistance services on behalf of Generali Seguros

Claims notification requirement

Insured must contact Assistance Service immediately when incident occurs and provide all necessary information for help

Pregnancy-related exclusion

Accidents and diseases due to pregnancy or childbirth are excluded from Personal Accident coverage