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CHI Travel Insurance
Want cover for cancellation, medical emergencies and more? CHI provides travel insurance for Australians at home and abroad.
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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 any coronavirus-related claims
- If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
CHI Travel Insurance provides Australians with an affordable travel insurance option for both international and domestic travel. Its policies are underwritten by Hollard.
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Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘 Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
International travel insurance is limited and sometimes unavailable at this point.
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What policies are available from CHI?
CHI Travel Insurance offers Australians travel insurance for both international and domestic trips. The CHI policy range includes:
This covers trips to countries outside of Australia and provides cover for the following:
- Overseas emergency medical and hospital expenses
- Emergency medical assistance
- Hospital cash allowance
- Cancellation or amendment expenses
- Additional expenses
- Missed connections and special events
- Travel delays
- Luggage and personal effects
- Delayed luggage and personal effects
- Passport, travel documents and bank cards
- Theft of cash
- Rental vehicle insurance excess
- Personal liability
- Accidental death
- Permanent disability
- Loss of income
- Pet care
- Cruise pack (optional)
- Motorcycle, moped and scooter pack (optional)
This insures you for trips outside of Australia. It doesn't cover you for as much as Top Plus International but you'll still get cover for the following:
- Overseas emergency medical and hospital expenses
- Emergency medical assistance
- Hospital cash allowance
- Cancellation or amendment expenses
- Additional expenses
- Missed connections and special events
- Travel delay
- Luggage and personal effects
- Delayed luggage and personal effects
- Passport, travel documents and bank cards
- Theft of cash
- Rental vehicle insurance excess
- Personal liability
- Accidental death
- Permanent disability
- Loss of income
- Cruise pack (optional)
- Motorcycle, moped and scooter pack (optional)
This covers you for multiple holidays both overseas and within Australia (so long as your trip takes you at least 200km from your home). The maximum period for any one journey is 45 days. For overseas journeys, you'll be covered for the same benefits as the Top Plus International policy, and when you travel within Australia you'll get covered for:
- Emergency medical assistance
- Cancellation or amendment expenses
- Additional expenses
- Missed connections and special events
- Travel delay
- Luggage and personal effects
- Delayed luggage and personal effects
- Rental vehicle insurance excess
- Personal liability
- Accidental death
This policy covers you for trips within Australia, including Norfolk Island and Lord Howe Island, so long as it's at least 200km from your home. You'll get covered for:
- Emergency medical assistance
- Cancellation or amendment expenses
- Additional expenses
- Missed connections and special events
- Travel delay
- Luggage and personal effects
- Delayed luggage and personal effects
- Rental vehicle insurance excess
- Personal liability
- Accidental death
Is there anything CHI doesn't cover?
As with all travel insurance policies, CHI Travel Insurance has a list of situations when cover is not provided. CHI Travel Insurance will not pay if:
- You act in an irresponsible manner
- You do not do everything in your power to reduce the loss
- You are making a claim for consequential loss
- You were aware of a situation that would result in a claim when you purchased the policy
- Your claim is the result of your participation in an illegal activity
- Your claim is the result of a pandemic or epidemic
- You were riding a moped, scooter or motorcycle without a licence
- You travelled against governmental warnings or advice
- Your claim is the result of war, insurrection, rebellion or revolution
- You travelled against the advice of a medical professional
I have a pre-existing condition, can I get cover?
Yes, but you might not be covered for claims related to that pre-existing medical condition. It depends on whether or not CHI automatically covers you. Conditions that can be automatically covered include:
| Condition | Additional criteria |
|---|---|
| Acne | No additional criteria |
| Allergy | You have no known respiratory conditions, e.g. asthma, and you haven't needed treatment in the last 6 months. |
| Asthma |
|
| Bell's palsy | No additional criteria |
| Bunions | Fully covered |
| Carpal tunnel syndrome | Fully covered |
| Cataracts | In the last 90 days, you haven't had an operation for this condition |
| Coeliac disease | In the last 6 months, you haven't been treated by a medical practitioner for this condition |
| Congenital blindness | Fully covered |
| Congenital deafness | Fully covered |
| Ear grommets | You haven't had an ear infection in the last 3 months |
| Epilepsy |
|
| Gastric reflux | Your gastric reflux doesn't relate to an underlying diagnosis, e.g. hernia or gastric ulcer |
| Glaucoma | You have no ongoing complications for this condition |
| Goitre | Fully covered |
| Gout | Fully covered |
| Graves' disease | Fully covered |
| Hiatus hernia | Fully covered |
| Hip replacement, knee replacement and shoulder replacement | The procedure was performed more than 6 months ago and less than 10 years ago |
| Hip resurfacing | You haven't had any post-operative complications relating to the surgery |
| Hypercholesterolaemia (high cholesterol) | You don't have a known heart or cardiovascular condition |
| Hypertension (high blood pressure) |
|
| Menopause | You don't have osteoporosis |
| Migraine | Fully covered |
| Peptic ulcer/gastric ulcer | In the last 12 months, the peptic/gastric ulcer has been stable |
| Plantar fasciitis | Fully covered |
| Raynaud's disease | Fully covered |
| Skin cancer |
|
| Trigger finger | Fully covered |
| Urinary incontinence | Fully covered |
| Underactive thyroid/ overactive thyroid | The cause of your underactive/overactive thyroid wasn't a tumour |
Anything else I need to know?
- Tailoring your policy. If you have specialist requirements that are not included on the standard plans, such as pregnancy or pre-existing medical conditions, you will need to refer to the PDS for further information. This will enable you to check where you stand, such as what is construed as a pre-existing medical condition. This document will also provide important details about eligibility for the different plans available from CHI Travel Insurance, so you know which plan you are able to go for.
- Read the PDS. You will find the important terms, conditions, restrictions and exclusions in the PDS, which means that you can familiarise yourself with the finer details relating to the travel insurance plan that you are considering in order to make the right choice.
- Cooling off period. CHI Travel Insurance has a 14-day cooling off period to decide whether the plan you have chosen is definitely the right plan for your needs. If you change your mind within the 14-day period you can cancel the cover without any penalty. However, you do need to do this within the specified period. If you are set to travel in the very near future, you are better off doing this sooner rather than later, as you will need time to make alternative arrangements with an alternative travel insurance plan.
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Ask an Expert
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
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
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.
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