Travel insurance reimburses you for covered losses such as trip cancellations, delayed baggage, or medical bills after they occur. Travel assistance is a live service: it acts on your behalf in real time, providing 24/7 access to physicians and security specialists who coordinate your care and keep you safe while you are still in the middle of a crisis. Most standard travel insurance policies offer no real-time intervention at all.

This plan combines both: Chubb's financial coverage ensures you are reimbursed for covered losses; International SOS' assistance services ensure you are never navigating a medical emergency or security situation alone. For international travelers, both layers are not optional, they address entirely different risks.

If you suffer a medical emergency abroad, travel insurance may reimburse your bills after you return home. What it will not do is find you a physician who speaks your language at 2 a.m., advise you whether local hospital care is adequate or whether you should be evacuated, monitor the security situation in your destination city and alert you to a developing threat, or coordinate a security evacuation if political unrest escalates at your destination.

These are services that require the infrastructure, the global network, and the 24/7 clinical and security staffing that International SOS has built over 40 years. This bundle gives you the financial backstop of Chubb insurance and the operational capability of International SOS, together, for a single international trip.

Yes. International SOS provides medical evacuation coordination with an aggregate coverage limit of up to $1,000,000 USD for emergency medical evacuation, medically supervised repatriation, and repatriation of remains. 

In practical terms, this means that if you require evacuation to a higher standard of medical care or need to return home for treatment, International SOS' health team manages every aspect of the logistics: selecting the appropriate facility, coordinating transport, and communicating with your family and treating physicians. Chubb's insurance coverage provides additional emergency medical expense reimbursement on qualifying plans. 

Security evacuation coverage funds and coordinates your safe extraction from a destination when it becomes dangerous due to political unrest, civil disturbance, military action, or a natural disaster. Most standard travel insurance policies either exclude security evacuation outright or treat it as a highly limited optional add-on.

International SOS, by contrast, operates assistance centers globally and has the networks, the personnel, and the 40-year operational track record to execute security evacuations in the most complex environments. Security evacuation coverage is included in most plans in this bundle (note: not available in the Visitor USA plan). Chubb's select plans also include a security evacuation benefit for additional insurance protection.

Two ways. First, call any International SOS Assistance Center directly. They operate 24 hours a day, 7 days a week, 365 days a year, from any locations worldwide, and will route you to the appropriate specialist immediately.

Second, use the International SOS Assistance App, which is included with your membership. The app identifies your current location and connects you to the nearest Assistance Center with a single tap, provides real-time medical and security alerts for your destination, and gives access to country-specific health and travel guides.