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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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CHI

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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Summary of CHI Top Plus International policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment FeesCover Chosen
Luggage and Personal Effects$15,000
Maximum Age Limit120

Table updated October 2023

How does CHI Travel Insurance cover COVID-19?

CHI Travel Insurance has broad cover for expenses related to COVID-19. Here's what you can expect from the top-tier cover:

  • Overases medical, hospital and emergency expenses.
  • Cancellation or amendments costs if your trip is impacted by COVID-19 through no fault of your own.
  • Additional expenses if the pre-paid accommodation you planned to stay at is closed for cleaning due to an outbreak of COVID-19
  • Costs if you are denied boarding on your scheduled prepaid public transport due to you being suspected of having COVID-19.
  • Meals and accommodation costs there's a delay to your prepaid transport due to COVID-19.
  • Necessary costs if your close relative or business partner dies or is hospitalised due to COVID-19 and you need to return home.
  • Additional pet boarding costs if you can't return home at your scheduled time due to COVID-19.
  • Overseas funeral expenses if you die of COVID-19.

There are some scenarios that are not covered by CHI including if you were diagnosed with COVID-19 before heading on your trip but you went anyway. There are also limits to the amount you can claim, so be sure to read the PDS.

What policies does CHI offer?

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

Travel plane luggage passport

Top Plus International

Passport

Basic International

Hiking

Multi-Journey

Australian Map Icon

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.

Here's a breakdown of CHI 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

Here's the bottom line about CHI Travel Insurance

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.

However, there is no option to add an adventure pack to your policy, so be sure to check which activities are covered and consider looking elsewhere if your plans won't be protected.

If you're still not sure about CHI, you can compare other travel insurance companies here.

Frequently asked questions

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Senior writer

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

Nicola's expertise
Nicola has written 237 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

    Default Gravatar
    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

      AvatarFinder
      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

    Default Gravatar
    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.

      AvatarFinder
      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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