When it comes to protecting your trip, most people think of one thing: a traditional travel insurance policy that covers everything from medical emergencies to missed connections. And for many travelers, that bundled approach works just fine.
But there’s another way to structure your protection—one that separates what’s covered, so each part can be handled by a specialist. That’s the thinking behind Smart Trip Duo™.
It’s not more coverage. It’s better structure.
Why Structure Matters
Traditional policies combine two very different needs—medical care and trip protection—into one plan. That’s convenient, but it also means one provider is handling two distinct areas of expertise.
Smart Trip Duo™ takes a different approach.
By layering two best-in-class providers—each focused on what they do best—it offers a more intentional way to travel protected.
Layer 1: Blue Cross Blue Shield Global Solutions
Medical-first protection, wherever you go
If you get sick or injured abroad, this is the coverage you want leading the way. Powered by Blue Cross Blue Shield Global Solutions, this layer brings a healthcare-first mindset to your travel.
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Access to a 24/7 global medical network
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Help coordinating care and navigating local health systems
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Medical coverage that’s not tied to the cost of your trip
In short, it’s real medical support—not just reimbursement after the fact.
Layer 2: Generali Global Assistance
Trip protection from a travel insurance leader
This layer is focused on what can go wrong with your travel plans—not your health. It’s a traditional travel insurance policy from Generali Global Assistance, designed to protect the investment you’ve made in your trip.
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Trip cancellation or interruption
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Travel delays and missed connections
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Lost, stolen, or delayed baggage
It’s the support you need when plans change—whether it’s a storm, a schedule shift, or a suitcase that never makes it.
How the Layers Work Together
Let’s say you come down with a serious illness two days before your flight. Generali steps in to help recover the cost of your non-refundable trip.
Now imagine the same illness happens while you’re overseas. Blue Cross Blue Shield Global Solutions takes the lead—helping you find care, speak with local doctors, and manage treatment. Generali stays in the wings, covering costs if you have to cut your trip short or rebook flights.
Each provider focuses on what they do best. You get clearer support, more efficient help, and peace of mind that nothing’s falling through the cracks.
The Bottom Line
Smart Trip Duo™ isn’t about adding more coverage.
It’s about organizing coverage more intentionally.
By layering a medical specialist with a travel insurance specialist, it gives travelers a more structured, more thoughtful way to protect their plans and their health.
Because when something unexpected happens, it helps to know exactly who to call—and what they’re there to do.
Medical care handled by a medical specialist.
Trip protection handled by a travel insurance specialist.
Layered protection. A smart way to travel.
