FAQs

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Plans & Eligibility

Travel insurance is uniquely designed to cover the unexpected risks related to traveling. Most travel insurance plans designed for sale to leisure travelers include trip cancellation, trip interruption, baggage delay or lost baggage, accident & sickness medical expenses and emergency transportation benefits along with travel and medical assistance services. It is important to read the description of the plan offered to you before purchasing it in order to determine which plan provides the coverage best for your trip.

Most travel insurance plans provide benefits and services not typically available through your healthcare, homeowners or automobile insurance. These plans provide an affordable opportunity to insure yourself against certain risks likely to only occur while you are on a trip, or prior to it.

Chubb is a premier global underwriter of travel insurance and travel risk programs covering individuals around the world. Our travel programs are especially designed to provide you with travel related benefits not typically covered by other insurance plans you may have. Chubb’s comprehensive travel services are available to help you plan your trip, to keep you informed, and able to respond to unexpected events that may occur while you are traveling.

If you are traveling outside of the country, you may want to consider our comprehensive Travel Choice Plan. This plan includes trip cancellation, trip interruption and missed connection benefits. It will respond with emergency medical benefits at the point of service if you are injured or became seriously ill while traveling. For shorter domestic trips, you may find the Travel Essentials Plan provides the coverage you may need.

You will need to provide certain personal information and trip details like: names of each traveler, dates of birth, your state of residency, trip dates, destinations, the name of your travel company, total trip cost, and if there are additional travelers, how the cost of the trip breaks down per person.

You may choose to purchase a Chubb Travel Protection plan at any time prior to your trip departure date. However, it is important to note the additional benefits will not be included if you purchase this insurance more than 15 or 21 days (depending on your state) after the date of your initial trip payment. Please read the Coverage Overviews carefully to understand how this may impact your coverage.

Coverage

Chubb Travel Protection plans cover the basics – trip cancellation, trip interruption, trip delay, baggage & personal effects, and medical expense. Depending on your state, they also provide you with an opportunity to purchase optional benefits like medical upgrades, auto rental collision damage benefits and high limit flight accident insurance. Please see our Coverage Overviews for a description of the benefits available with our plans.

Many car insurance plans cover collision damage to a rented car under their Collision and Comprehensive Coverage provisions. These benefits are usually subject to high deductibles.

The Car Rental Collision benefit available in your Chubb Travel Protection plan will pay up to a maximum benefit if your rental vehicle is damaged on a trip.

Yes. Please read the Coverage Overview carefully to understand what is NOT covered. You will find these listed as general exclusions. There may be additional exclusions that apply to specific benefits. These additional exclusions may be found in the evidence of insurance provided to you once you purchase an insurance plan. You may cancel your insurance coverage for any reason during the initial “free look” period and your premium will be refunded to you within 15 days of the travel insurance policy purchase. Please be sure to review your policy or certificate carefully as soon as you receive it.

If you are traveling to more than one location, you may select all of the locations when you request your quote.

Pre-trip benefits and services like trip cancellation benefits and rebooking services begin at 12:01 AM following purchase of the insurance plan. Other benefits including medical, accidental death and dismemberment, lost or delayed baggage go into effect at the start of your trip. That would be the departure date you enter during enrollment. Please note, if you do not purchase insurance within 15 or 21 days (depending on your state) of your initial trip payment, certain benefits may not be available or may not cover pre-existing medical conditions.

Certain additional benefits and plan features are only available within 15 or 21 days (depending on your state) of your trip purchase. These benefits include waiver of the pre-existing medical conditions exclusion, upgrading trip cancellation and trip interruption insurance to cover the financial default of your tour operator, airline or cruise line, or providing certain benefits on a primary basis. After 15 or 21 days (depending on your state) these benefits are not available.

Typically, health insurance provides for medical, surgical, hospital treatment or supplies. A few plans will provide emergency medical evacuations, at least on a reimbursement basis. Nonetheless, healthcare plans are not geared to respond to individuals traveling away from their home or even out of their home country. They will not provide referrals to local providers or help in obtaining necessary care while you are on a trip.

As used within the context of the Chubb Travel Protection plans, a pre-existing medical condition is any injury, sickness or other condition that, within 90 days immediately before the effective date of your insurance either, a) first manifested itself, worsened, became acute or had symptoms that would have prompted a reasonable person to seek diagnosis, care or treatment; or b) for which care or treatment was given or recommended by a physician; or c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines.

If you purchase a Chubb Travel Protection plan within 15 or 21 days (depending on your state) of purchasing your trip, this exclusion will be waived. This means there will be coverage for pre-existing conditions (You must be medically able to travel when this insurance is purchased. This coverage applies only if you have insured the full cost of all prepaid, non-refundable cost associated with your Trip) where coverage would otherwise be excluded for these conditions.

Getting a Quote

You may request a quote through your Travel Company or by calling the Chubb Travel Protection Call Center 844-825-2264.

You may purchase insurance for any person traveling with you and sharing your trip itinerary. Simply add the name, date of birth and trip cost for each of your traveling companions and you will receive a quote for this insurance. All travelers listed on the policy will need to reside in the same state. However, all persons to be insured must be added to the policy within 15 or 21 days (depending on your state) of your trip purchase in order to retain your additional benefits.

Claims for trip costs are based on the costs insured for each traveler. If there is not a distinct cost for each traveler, you may divide the total cost of the trip by the number of travelers and list the resulting cost for each traveler. Refer to your travel invoice for the trip cost for each traveler.

If you do not know which airline, you will be flying, select “Other”. If you are traveling on multiple airlines you may enter all of them.

Once you complete your purchase you will receive a confirmation email including your policy number, your Policy or Certificate and a Confirmation Statement. You may go online to access your insurance documents including your, Policy or Certificate of Insurance, and a claim form if needed.

Policy Servicing

For any changes or corrections to your policy, contact our Chubb Travel Protection Call Center at 844-825-2264.

Some of the types of changes that you may need to make to your policy include: changes to trip costs, adjustments to trip start and end dates, change of address, change of email address, change of phone number, change of document delivery method, addition/removal of optional coverages (up to 24 hours of trip departure).

Trip Cancellation

You will have 15 days (timeframe may vary by state) from the date you purchase the travel insurance policy to review your certificate of insurance or policy. During this time, you may cancel your travel insurance purchase and receive a full refund.

You may cancel your policy prior to your trip departure date and within 15 days of the travel insurance purchase by contacting our Chubb Travel Protection Call Center at 844-825-2264.

If you cancel your coverage within 15 days (timeframe may vary by state) of the travel insurance purchase your insurance premium will be fully refunded.

If your trip is cancelled you may be eligible to receive a benefit. Contact the Chubb Travel Protection Claims Center at 800-579-9504 (Monday to Friday 8:00am – 8:00pm ET) as soon as possible to file a claim.

If the customer postpones their trip to a later date and the travel supplier assessed any penalties, you may be eligible to receive a benefit based on the covered reasons listed on the policy. Contact the Chubb Travel Protection Claims Center at 800-579-9504 (Monday to Friday 8:00am – 8:00pm ET) as soon as possible to file a claim.

If the customer postpones their trip to a later date and does not have any penalties, contact your travel advisor or our Chubb Travel Protection Call Center at 844.825.2264.

For 24-hour emergency assistance, call the Chubb Travel Protection Emergency Response Center at 877-319-4397 (from inside the U.S.) or 240-330-1537 (from outside the U.S.)

Filing a Claim

You may call the Chubb Travel Protection Call Center to report a loss, get help with submitting a claim or check on the status of a claim you have already submitted. Claim forms are available online at www.chubbtravel.com/selfservice.

General

Chubb Travel Protection Assistance Services provides travelers with 24/7 access to a multi-lingual emergency response center to help you when you are traveling away from home. Services include Concierge, Medical, Personal, Travel and Security services.

Concierge services are personal services provided to help you relax and enjoy your trip. Whether the occasion calls for travel planning, dining reservations, shopping services, tee-time reservations, renting a car, or access to special events or unique, hard-to-find items, our Concierge Consultants can handle your requests.