Generali Standard Travel Insurance vs ICICI Lombard Travel USA Standard
ICICI Lombard Travel USA Standard is underwritten in India by ICICI Lombard; Generali Standard Travel Insurance is a US-based plan from Generali. That changes who handles claims, how disputes are resolved, and what currency the premium and deductible sit in. Here's how each line of the policy actually plays out.
ICICI Lombard Travel USA Standard edges out on pre-existing condition cover and lowest deductible, taking 5 weighted points to Generali Standard Travel Insurance's 4. Generali Standard Travel Insurance still has the upper hand on typical premium band and age eligibility, so it stays the right call when those matter more than the headline coverage.
Side-by-side: who wins what
| Feature | Generali Standard Travel Insurance | ICICI Lombard Travel USA Standard | Winner |
|---|---|---|---|
| Coverage limit | $100k | $100k | |
| Lowest deductible | $100 | - | ICICI Lombard Travel USA Standard |
| Pre-existing condition cover | None | Acute-onset | ICICI Lombard Travel USA Standard |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Large | Large | |
| Typical premium band | ~$120 | ~$178 | Generali Standard Travel Insurance |
| Avg claim settlement | 22 days | 22 days | |
| Age eligibility | 0-89 | 1-70 | Generali Standard Travel Insurance |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $500k | $250k | Generali Standard Travel Insurance |
| 24×7 support | Yes | Yes |
Where they're the same
- Generali and ICICI Lombard both run direct-billing, so the family doesn't front the ER bill and chase reimbursement later.
- COVID-19 treatment is in scope on both — handled like any other illness, not a separate rider.
- Both Generali and ICICI Lombard keep a round-the-clock claims line, not just business hours.
- Neither plan is fixed-benefit; both reimburse real charges up to the medical limit, which is what you want for an unpredictable US bill.
No PED cover and 20% coinsurance applies for out-of-network care.
Cap may be insufficient for major hospitalization
Other comparisons you might want
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BackToIndia is independent — we don't sell Generali Standard Travel Insurance or ICICI Lombard Travel USA Standard and earn nothing from either Generali or ICICI Lombard. Plan data is reviewed by our editorial team in 2026; always confirm specifics against the official policy wording before purchase.