Questions & answers · Travel insurance
What benefit limits or maximums are written into Generali USA Insurance Company's travel insurance policy?
AI-drafted from filed documents · reviewed: pendingbenefit limits and maximumsGenerali USA Insurance Company
Generali USA Insurance Company's travel insurance policy states that the maximum benefit payable in the event a claim occurs is the maximum benefit limit as stated in the Schedule of Benefits of the policy [1]. This limit applies regardless of whether coverage is duplicated with another policy, as only the policy with the higher coverage limit remains in effect [1]. If a claim payment is made under a duplicate policy, the refund for the duplicate coverage that does not remain in effect is calculated as premiums paid less claims paid [1]. The policy also specifies that rights and duties under the policy are not transferable without the insurer's express written consent [2]. Changes to the policy require endorsement by the President, Vice President, or Secretary of the insurer [2]. This does not appear in these excerpts — check the full policy for specific benefit limits or maximums beyond what is referenced in the Schedule of Benefits.
Information only — not legal advice. The insurer decides.
These answers quote forms insurers filed with state regulators. Your own policy, its endorsements and your state’s rules control. A filed form may not be the version sold to you.
Where this comes from (2)
[1] Generali USA Insurance Company · AL · SERFF GEUS-134488570 · form GEN TIPO01.01US 01.2019 · p. 5
DUPLICATION OF COVERAGE You may be covered under only one travel Policy with us for each Trip. If you are covered under more than one such Policy, the Policy with the higher coverage limit will remain in effect. The maximum benefit limit as stated in the Schedule of Benefits of such Policy will be the maximum benefit payable in the event a claim occurs. In the event claim payment has been made under the duplicate Policy, premiums paid less claims paid will be refunded for the duplicate coverage that does not remain in effect.
[2] Generali USA Insurance Company · AL · SERFF GEUS-134488570 · form GEN TIPO02.01US 07.2022 · p. 5
as stated in the Schedule of Benefits of such Policy will be the maximum benefit payable in the event a claim occurs. In the event claim payment has been made under the duplicate Policy, premiums paid less claims paid will be refunded for the duplicate coverage that does not remain in effect. TRANSFER OF YOUR RIGHTS AND DUTIES UNDER THIS POLICY Your rights and duties under this Policy are not transferable without our express written consent. ENTIRE CONTRACT: CHANGES This Policy and any attachments are the entire contract of insurance. Only our President, Vice President or Secretary may change or waive the provisions of the Policy. No agent or other person may change the Policy or waive any of its terms. The change will be endorsed on the Policy.
Drafted by a local AI model from the excerpts above, then checked by rules (citations, no rankings, no “not covered” claims from a partial excerpt). Question id Q41420655. Spotted an error? Tell us.