CHI Travel Insurance

Our verdict: With broad cover for expenses related to COVID-19 and the ability to adjust cancellation limits, CHI Travel Insurance can be tailored to suit many travellers.

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Nicola Middlemiss

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Key takeaways

  • CHI offers broad COVID-19 expense cover and includes snow sports as standard. This often costs extra with other insurers.
  • Cash theft cover is limited to $250. High-risk adventure activities like paragliding require separate review for coverage.
  • You can choose from four policy types with a 21-day cooling-off period. 31 pre-existing medical conditions are covered as standard.

Our Verdict

CHI offers solid protection for costs related to COVID-19, a benefit some other providers are lacking. Rental car excess is also covered as standard, are snow sports. These benefits often attract an extra premium at other providers.

Pros

  • CHI offers broad protection for expenses related to COVID-19.
  • Many snow sports are covered as standard, including skiing and snowboarding.

Cons

  • Theft of cash is only covered up to $250, which is on the lower end of the range offered by brands in Australia.
  • CHI doesn't offer an adventure pack add-on so some higher-risk activities aren't covered, such as outdoor rock-climbing or paragliding.

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What policies does CHI offer?

CHI offers four insurance policies to travellers. Top Plus International, Basic International, Multi-Journey, and Domestic.

The insurer of this product is Tokio Marine & Nichido Fire Insurance Co., Ltd. It comes with a cooling-off period of 21 days and choice of $150 standard excess for international plans.

Travel Insurance features

Standard features
Optional add-ons
Exclusions

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Standard features

These are some of the main insured events that CHI will cover. Some of these benefits may only apply on the Top Plus International policy

  • Overseas medical treatment
  • Emergency assistance
  • Trip cancellation or amendment
  • Lost, damaged or stolen property
  • Additional accommodation and transport
  • Theft of cash
  • Luggage and travel delay
  • Kidnap and hijack
  • Personal liability
  • Permanent disability
  • Accidental death

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Optional add-ons

CHI also offers three add-ons that provide cover for a wider range of risks.

  • Cruise pack. If your rental vehicle is damaged, this benefit will cover the cost of the insurance excess. Does not apply to campervans, motorbikes or scooters.
  • Motorcycle, moped and scooter packWill cover claims related to motorcycle, moped or scooter driving or riding as a passenger, as long as you meet the requirements..
  • Cruise Cover Extends your insurance policy to cover cruises and covers a range of specific cruise-related risks including cabin confinement and missed shore excursions.

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Exclusions

Unfortunately, travel insurance doesn't cover everything. Generally, CHI 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 not listed on the policy
  • An act of war, invasion or revolution
  • Insolvency of a travel agent, tour operator or accommodation provider
  • Mandatory quarantines or isolations
  • An act of war, invasion or revolution
  • You being unfit to travel or travelling against medical advice
  • Childbirth or pregnancy complications after the 25th week of gestation or if you have had previous pregnancy complications
  • A multiple pregnancy or one where the conception was medically assisted
  • An elective medical or dental treatment, cosmetic procedure or body modification (including tattoos or piercing)
  • Self-inflicted injury or illness, suicide or attempted suicide

Make sure you review the CHI PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.

How to make an CHI Travel Insurance claim

For policies issued from 1st December 2022, there are three ways to lodge your claim:

  • Phone: 1300 932 861
  • Email chiclaims@tmnfatravelinsurance.com.au
  • Lodge online at https://chi-onlineclaim.tmnfatravelinsurance.com.au

For policies issued before 1st December 2022, there are three ways to lodge your claim:

  • Phone: 02 8883 7801
  • Email Travelclaims@hollard.com.au
  • Lodge online at https://Hollardtravel.com.au/Home/MakeAClaim

Frequently asked questions

Sources

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Journalist
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Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

Nicola's expertise
Nicola has written 170 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance
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4 Responses

    Chris's avatar
    ChrisMay 1, 2015

    I want to change details on policy purchased on line, I do not know where this is “This is something that you will need to do in your system by searching for the policy and pressing “update”.”response received when I emailed CHI insurance.
    Please help,
    Cheers,
    Chris

      Richard's headshotFinder
      RichardMay 4, 2015Finder

      Hi Chris,

      Thanks for your question. Unfortunately, you’ve contacted finder.com.au, we are a comparison service and do not have access to this kind of information. You can contact them by calling (02) 9997 4810.

      I hope this was helpful,
      Richard

    Keiran Laurent's avatar
    KeiranMay 25, 2014

    I am travelling with my father April 2015 from Australia to London through to Rome then fly to turkey for the Gallipoli service. I will be 61 years if age and my father will be 88 years of age. We are both in good health. My father takes no medication at all. He has had a knee replacement in the past 3 years though.
    What sort of insurance should we be looking at for this trip.

      William Eve's headshotFinder
      WilliamMay 27, 2014Finder

      Hi Keiran,

      Thank you for your inquiry. The conditions regarding age limits and pre-existing medical conditions vary widely between insurers. You will need to speak with the insurer prior to taking out cover to ensure you will be covered for any pre-existing condition (i.e. your father’s knee). Most insurers will provide cover for people over 80 years of age but you may be required to pay a premium loading. We can’t recommend a specific policy for you without providing financial advice. It is best to take the time to compare quotes from a number of insurers and read through the product disclosure statement to find a cover option that will suit your needs.

      All the best with your inquiry,
      William

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