Chubb's travel insurance is lacking in some major areas. It's not possible to cover any pre-existing medical conditions and cover isn't available to anyone aged 70 or older, which will rule out many travellers. Further, its cover for COVID-19 is limited so if you want comprehensive protection, you may want to consider a different brand.
Pros
Chubb has a specific Cruise add-on, extending the policy to cover international trips on the high seas.
There is also the option to add Snow Sports cover, protecting travellers when they hit the slopes.
Cons
It's not possible to get cover for moped or scooter riding, which will leave some travellers exposed and at-risk.
There is no cover available for pre-existing medical conditions. Even Chubb warns prospective buyers that, if they have a pre-existing medical condition, the policy might not be right for them.
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What policies does Chubb offer?
Chubb offers four insurance policies to travellers. Essential, Comprehensive, Prestige and Domestic. The insurer of this product is Chubb Insurance Australia Limited. It comes with a cooling-off period of 14 days and choice of $250 standard excess for international plans.
These are some of the main insured events that Chubb will cover. These benefits may only apply to the Prestige International policy.
Overseas medical treatment
Lost, damaged or stolen property
Trip cancellation or amendment
Additional accommodation and transport
Theft of money
Luggage and travel delay
Emergency dental costs
Kidnap and hijack
Personal liability
Accidental death
Optional add-ons
Chubb also offers three add-ons that provide cover for a wider range of risks.
Rental vehicle excess cover. If your rental vehicle is damaged, this benefit will cover the cost of the insurance excess. Does not apply to campervans, motorbikes or scooters.
Cruise Cover. Extends your insurance policy to cover cruises.
Snow Sports Cover. Extends your insurance policy so you're covered on the slopes.
Exclusions
Unfortunately, travel insurance doesn't cover everything. Generally, Chubb will not pay your claim if it relates to:
Unlawful, wreckless or unreasonably unsafe behaviour by you
Behaviour while you were drunk or under the influence of drugs
Expenses related to a pre-existing medical condition
Self-inflicted injury or illness, suicide or attempted suicide
Make sure you review the Chubb PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.
How to make a Chubb Travel Insurance claim
You can submit your claim online, via Chubb's claims portal.If you need help, you can email Chubb at travel.au@chubb.com or call the helpline on 1800 803 548.
You can also contact Chubb at the following address:
Chubb Insurance Australia Limited GPO Box 4907, Sydney NSW 2001
Frequently asked questions
Chubb covers costs incurred from having to cancel, curtail or change your trip because you contract COVID-19, as long as it's first diagnosed after the policy is issued.
Chubb also provides cover for overseas medical emergency expenses incurred on your overseas trip, and transportation of remains or burial if you die during your trip, as a result of you having contracted COVID-19.
However, there is no cover for trip cancellation, curtailment or change due to border closures caused by COVID-19.
Chubb defines a pre-existing medical condition as any medical or dental condition, illness, injury or disease that you previously required or continue to require treatment for, or that is under investigation at the time the policy is issued.
Yes, Chubb does not offer travel insurance to people aged 70 or older..
Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio
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6 seniors are booked and paid for a 14 day Silver Seas cruise around Japan in November 2022
Our travel agent has obtained a quote from Cover More but recommends we seek a quote from Chubb. Can you help?
Finder
JamesNovember 10, 2021Finder
Hi James,
Please visit Chubb’s website and request a broker so you can discuss your travel plans and insurance needs.
Alternatively, you can get a quote from other providers by using the form above. Click the green ‘Get Quote’ button to get started.
Before applying, don’t forget to read the policy’s Product Disclosure Statement (PDS) so that you’re aware of what you’re covered for, along with any exclusions or restrictions.
I hope this helps!
Regards,
James
ValFebruary 16, 2017
Do you do just a single person coverage
Finder
ZubairFebruary 16, 2017Finder
Hi Val,
Thank you for your question.
If you are asking about Chubb, the answer is yes, they can offer cover for a single person. If this interests you, please go to their website to directly get in touch with them.
If you would like to compare quotes from the travel insurance brands in our panel, please head to the travel insurance home page.
Open that link and on that page, there are travel insurance brands listed on our comparison table. Compare them based on various details. Once you’re done, select the “Go to Site” button to be redirected safely to your chosen lender’s website.
While looking for insurers, please make sure you read the terms and conditions of the policy to learn more and know if it is the right policy for you or not.
I hope this helps. Should you have further questions, please don’t hesitate to reach out again.
Have a wonderful day!
Cheers,
Zubair
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6 seniors are booked and paid for a 14 day Silver Seas cruise around Japan in November 2022
Our travel agent has obtained a quote from Cover More but recommends we seek a quote from Chubb. Can you help?
Hi James,
Please visit Chubb’s website and request a broker so you can discuss your travel plans and insurance needs.
Alternatively, you can get a quote from other providers by using the form above. Click the green ‘Get Quote’ button to get started.
Before applying, don’t forget to read the policy’s Product Disclosure Statement (PDS) so that you’re aware of what you’re covered for, along with any exclusions or restrictions.
I hope this helps!
Regards,
James
Do you do just a single person coverage
Hi Val,
Thank you for your question.
If you are asking about Chubb, the answer is yes, they can offer cover for a single person. If this interests you, please go to their website to directly get in touch with them.
If you would like to compare quotes from the travel insurance brands in our panel, please head to the travel insurance home page.
Open that link and on that page, there are travel insurance brands listed on our comparison table. Compare them based on various details. Once you’re done, select the “Go to Site” button to be redirected safely to your chosen lender’s website.
While looking for insurers, please make sure you read the terms and conditions of the policy to learn more and know if it is the right policy for you or not.
I hope this helps. Should you have further questions, please don’t hesitate to reach out again.
Have a wonderful day!
Cheers,
Zubair