Travel insurance for your stay
When you book a Nearwell apartment, you will see an option to add Guest Protect travel insurance before you pay. It is optional, and your booking works the same either way. The plan comes from Generali Global Assistance, not from us.
Nothing is added to your booking unless you choose it.
Nearwell is not the insurer and does not administer the plan.
The option appears on the booking site, before you pay.
Nearwell earns a small commission when a guest buys the plan at checkout. We would rather you hear that from us than find it out later. It is also why this page sends you to Generali for coverage answers instead of answering them ourselves.
What the plan can cover
Trip cancellation and interruption
Coverage for forfeited, unused, non-refundable, prepaid trip costs if you are prevented from taking your trip, or if your trip is interrupted, for a covered reason. Interruption also covers the added cost of returning home early.
Travel delay
Reimbursement for added expenses such as overnight lodging, meals and local transportation when a covered reason delays you for 12 consecutive hours or more.
Lost, damaged or delayed baggage
Coverage for loss, theft or damage to your baggage during the trip. If a carrier delays your baggage 24 hours or more, the plan reimburses necessary clothing and toiletries you buy in the meantime.
Medical treatment and evacuation
Coverage for medical and emergency dental costs if you get sick or injured during your trip, plus telemedicine access. Evacuations must be ordered by a physician and approved by Generali.
Pre-existing medical conditions
Available when you buy the plan before, or within 24 hours of, your final payment, and you are medically able to travel on the day you buy it.
Travel services
Travel assistance around the clock, roadside assistance, identity theft resolution and concierge services.
Free look period
After you buy, you can review the plan and cancel it for a full refund of the plan cost, as long as you cancel within the free look period, have not filed a claim and have not departed. That period is 30 days for Indiana residents and either 10 or 15 days everywhere else.
A medical stay is a different kind of trip
Most people buy travel insurance for a vacation. You are probably booking around a date somebody else set.
Procedures move. Discharge comes earlier or later than anyone predicted. A storm sits between home and Cleveland on the morning you were supposed to drive in. You paid for the apartment before any of that happened.
Booking direct with us already covers part of this. You can extend a stay, and a real person answers when you call. Our own cancellation terms are in your booking confirmation, and they are separate from anything the insurance plan does.
What we cannot do is give money back for costs that are already spent, cover a hospital bill in a city you were only passing through, or replace a suitcase that never arrived. That is the gap a travel plan is built for.
Whether your particular situation is covered depends on the reasons the plan lists, and that list is in the plan documents. Read them before you decide.
What to ask before you decide
Four questions worth asking Generali before you buy. The answers depend on your plan, your state and your dates, which is why we do not answer them for you.
Does the plan cover a trip taken to receive medical treatment?
Many travel plans treat that differently from a vacation. If the reason for your stay is care at Cleveland Clinic, ask this one first.
How long a trip does the plan cover?
Worth asking if your stay runs several weeks or months, or if you are here on a 13-week assignment.
What counts as a covered reason for cancellation?
Trip cancellation pays for the reasons the plan lists. A change of plans on its own is not one of them.
What does the pre-existing condition provision require in my case?
The timing rule matters. That coverage is available only when you buy before, or within 24 hours of, final payment.
How to add it
Choose your dates and start a booking on the Nearwell booking site.
The travel insurance option appears during checkout, before you pay.
Add it or skip it. Your reservation goes through the same either way.
If you have already booked and want to look at the plan, call Generali at 866-999-4018 and ask what is still available to you.
Questions
Do I have to buy travel insurance to book with Nearwell?
No. It is optional, and your reservation is the same either way.
Who provides the plan?
Generali Global Assistance. Coverage is underwritten by Generali U.S. Branch, New York, NY, NAIC #11231. Nearwell is not the insurer and does not administer the plan.
Does Nearwell make money if I buy this?
Yes. We earn a small commission from Generali when a guest buys the plan at checkout. The plan price is set by Generali. Buying it, or skipping it, changes nothing about your reservation.
Does this pay for my treatment at Cleveland Clinic?
Travel insurance is not health insurance. The plan's medical coverage is for sickness or injury that happens during your trip. For care you traveled here to receive, ask Generali how the plan treats it, and check with your own health insurer.
When do I buy it?
During checkout, before you pay. Timing also affects the pre-existing condition provision, which is available only when you buy before, or within 24 hours of, your final payment.
What if I buy it and change my mind?
The plan has a free look period. Cancel within it for a full refund of the plan cost, as long as you have not filed a claim and have not departed. That period is 30 days for Indiana residents and either 10 or 15 days in other states.
Does it cover the cost of my apartment if I have to cancel?
Trip cancellation covers forfeited, unused, non-refundable, prepaid trip costs when you cancel for a covered reason. Whether your situation qualifies is defined in the plan documents. Nearwell's own cancellation terms are separate and are in your booking confirmation.
Who do I call to file a claim or ask what is covered?
Generali Global Assistance, 866-999-4018. We cannot answer coverage questions, and we would rather send you to the people who can.
Travel insurance coverages are underwritten by Generali U.S. Branch, New York, NY; NAIC #11231. For the operating name used in certain states, and other important information about the Travel Insurance and Assistance Services Plan, see the Important Disclosures. Nearwell is not an insurance agency and does not advise on coverage. Nearwell receives a commission on plans purchased through its booking checkout. Plan availability, benefits and terms vary by state and are governed by the policy documents.