Chubb Corporate Travel Insurance
Protect your business and employees when travelling with Chubb Corporate Travel Insurance.
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Important:Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
- If you're buying a policy today, it's unlikely that you'll be covered for border closures
- If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
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What's covered by the corporate policy?
Chubb Corporate Travel Insurance protects business travellers with the following benefits:
- Overseas medical and evacuation expenses. Covers medical and evacuation expenses due to illness or injury.
- Chubb response 24/7. You have access to the Chubb emergency assistance service for 24/7 medical, security and travel assistance and advice.
- Loss of deposits, cancellation and curtailment cover. Covers lost deposits and loss of prepaid travel and accommodation expenses from trip cancellation, alteration or curtailment due to illness, injury and other unforeseen circumstances.
- Luggage, money and portable electronic equipment cover. Covers the cost of emergency replacement of clothing and toiletries due to lost or delayed luggage and the loss, damage or theft of luggage, money and travel documents.
- Rental vehicle excess cover. Covers the excess you are liable to pay due to the damage, theft or loss of a rental vehicle.
- Missed transport connection and overbooked flights cover. Covers the cost of delays resulting from an overbooked flight and alternative public transport expenses to attend a scheduled meeting after a missed transport connection.
- Personal liability and identity theft cover. Covers legal liability for third party injury or property damage and identity theft.
- Alternative employee or resumption of assignment cover. Covers costs of employee replacement or resumption of journey due to death, illness or injury.
- Kidnap, ransom, extortion, hijack and detention cover. Covers ransom monies paid and expenses incurred due to extortion or kidnap plus reimbursement and legal costs for wrongful detention.
- Extra territorial workers compensation cover. Covers accidental death, illness or injury during a journey within Australia.
- Political unrest and natural disaster evacuation cover. Covers costs associated with being forced to leave a country due to political unrest or a natural disaster.
Any additional benefits?
Additional benefits provided by Chubb Corporate Travel Insurance through Lifestyle Protection Benefits include:
- Accidental HIV infection benefit. Covers contraction of HIV due to assault or medical treatment.
- Accommodation and transport expenses. Travel and accommodation expenses for a spouse or partner to be with you if you are hospitalised.
- Advanced payment. A benefit for temporary total disablement due to illness or injury.
- Automatic extension of cover. A three-month extension of cover if you are unable to return home due to illness, injury or unforeseen circumstances.
- Bed care benefit. A daily benefit if you become a bed care patient outside Australia.
- Coma benefit. A benefit if you are in a coma due to an injury sustained on your journey.
- Dependent child supplement. A benefit paid to each dependent child if you die from an injury on your journey.
- Domestic help benefit for accompanying spouse or partner. Covers the cost of domestic help if your accompanying partner or spouse suffers an injury.
- Education fund benefit. A benefit towards each dependent child’s education fees if you die during your journey.
- Escalation of claim benefit. An increase in benefit amount of 5% per year after a policy has been held for 12 months.
- Executor emergency cash advance benefit. A benefit paid to your estate’s executor to cover emergency costs if you die during your journey.
- Home burglary excess benefit. Covers the excess payable on your home contents insurance if your home is burgled while you are travelling.
- Independent financial advice benefit. Reimbursement for financial planning advice by a qualified financial planner.
- Keys and locks benefit. Covers replacement of locks and keys in your home and vehicle if you lose your keys and identification on your journey.
- Modification benefit. Covers costs to modify your home or vehicle or move to a more suitable home if you suffer a debilitating injury during your journey.
- Orphan benefit. A benefit paid to each dependent child if both you and your spouse or partner die on your journey.
- Out of pocket expenses benefit. Covers expenses incurred seeking medical treatment after an injury on your journey.
- Premature birth/miscarriage benefit. A benefit if an injury on your journey results in a premature birth or miscarriage.
- Repatriation and funeral expenses benefit. Covers the return of your remains to australia and funeral expenses if you die from an illness or injury on your journey.
- Spouse or partner accidental death benefit. A benefit payment if your spouse or partner who is not travelling with you dies while you are on your journey.
- Partner retraining benefit. Covers the cost of training your spouse or partner to look after you if you are permanently disabled on your journey or to find gainful employment if you die.
- Student tutorial benefit. Covers the cost of home tutoring if you are a full time student and an injury on your journey prevents you from attending classes.
- Unexpired membership benefit. Refund of prepaid gym or sporting club fees if you are injured on your journey and unable to participate.
- Chauffeur benefit. Covers the cost of a chauffeured vehicle or taxi between home and work if an injury on your journey prevents you from driving or using public transport
- Childcare benefit. Covers the cost of a registered childcare provider for your dependents if you are injured during your journey.
- Corporate image protection. Covers the cost of protecting your corporate image if you die or are permanently disabled on your journey.
- Disappearance. A benefit paid if you are presumed dead in an accident involving your carrier and your body has not been found after 12 months.
- Replacement staff/recruitment costs. Covers the costs of recruiting replacement staff if you are unable to work due to an injury on your journey.
- Trauma benefit. A benefit paid if you experience or witness a traumatic criminal act on your journey.
What isn’t covered?
General exclusions that apply to Chubb Corporate Travel Insurance include:
- Radioactivity, nuclear fuel, nuclear material or nuclear waste
- Cosmetic, elective or plastic surgery
- Sexually transmitted diseases, infections or viruses
- Treatment or services covered by Medicare, workers’ compensation, transport accident legislation, government schemes or any other insurance policy
- Refusal to follow Chubb or Chubb Response 24/7’s instructions and directions
- An insured person attaining the age of 85 years
- Flying in an aerial device other than as a passenger in a licensed passenger aircraft
- Training for or participating in professional sport
- Any intentional self-inflicted bodily injury, suicide or criminal act
- Contravention of any workers compensation or transport accident legislation
- Trade or economic sanctions or laws that prohibit Chubb from providing the insurance
- Travel to Cuba or Iran
- Insolvency or bankruptcy of a travel agent, tour operator, carrier, accommodation provider or tourism service provider
- Amounts recoverable from another source
How do I claim?
Making a claim on your Chubb Corporate Travel Insurance policy involves the following steps:
- Report any loss within 30 days by emailing email@example.com or in writing to PO Box 20336 World Square NSW 2002.
- Provide written proof of your loss along with your claim, such as receipts, police reports and invoices.
- Agree to any physical examination requested by Chubb, including a post-mortem examination
- Wait for your claim to be processed, which will be done as promptly as possible
Got more questions?
- Q. How much does Chubb Corporate Travel Insurance cost?
- A. The cost will depend on factors such as where and for how long you are travelling, your occupation and previous insurance history and the level of cover you opt for.
- Q. Can I cancel my policy if I change my mind?
- A. Yes, providing it is within the 21-day cooling off period and you have not made a claim, you can cancel your policy and receive a full refund.
- Q. What is my Duty of Disclosure?
- A. This is your legally binding duty to tell Chubb anything you know, or could reasonably be expected to know, that might affect our decision to insure you and on what terms.
- Q. Am I covered if I am travelling against my doctor’s advice?
- A. No, you will not be covered if you are unfit to travel or if you are travelling to seek overseas treatment for a pre-existing medical condition.
- Q. What is Chubb Response 24/7?
- A. This is an emergency assistance service that policyholders can access any time, anywhere in the world, at no additional charge.
- Q. What kind of assistance can it provide?
- A. Emergency medical assistance such as arranging ambulances, evacuations and hospital admissions and travel assistance such as visa extensions, lost passports and emergency travel arrangements.
- Q. Is my Chubb Corporate Travel Insurance tax deductible?
- A. Unfortunately no. Travel insurance covers items of a personal nature such as illness, injury and theft of personal belongings, so the ATO has deemed it non tax-deductible.
- Q. Does it cover terrorist acts?
- A. Yes, Chubb is one of the few brands who cover all types of terrorism, providing you are not travelling against a government advisory.
- Q. Am I covered if my airline refuses to carry me due to an overbooked flight?
- A. Yes, if they fail to supply you with an alternative flight within eight hours.
- Q. Does Chubb’s cover for identity theft include legal expenses?
- A. Yes, we cover legal expenses incurred to defend a lawsuit, remove incorrect criminal or civil judgements made against you and to challenge incorrect information on your consumer credit report.
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