Chubb Travel Insurance

Our verdict: With a low age limit, sparse COVID-19 cover, and limited cover for pre-existing medical conditions, Chubb is lacking in some key areas.

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Nicola Middlemiss

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Key takeaways

  • Chubb may cover some pre-existing medical conditions if you declare them and Chubb accepts them, but cover isn't available to travellers aged 70 or older.
  • COVID-19 cover is limited and excludes trip changes due to border closures.
  • Specific add-ons like Cruise or Snow Sports are available, and cover for riding a moped or scooter can depend on the circumstances (for example, meeting licence and helmet requirements).

Our Verdict

Chubb's travel insurance is lacking in some major areas. 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.
  • Cover for riding a moped or scooter can depend on the circumstances, so you'll need to check the PDS to understand when you're covered (including any licence and helmet requirements).

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What policies does Chubb offer?

Chubb offers single-trip and annual multi-trip travel insurance. 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.

Chubb Travel Insurance features

Standard features
Optional add-ons
Exclusions

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Standard features

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

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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.

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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
  • 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 23rd 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 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

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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

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4 Responses

    James Barrett's avatar
    JamesOctober 28, 2021

    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?

      James Martin's headshotFinder
      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

    Val's avatar
    ValFebruary 16, 2017

    Do you do just a single person coverage

      Zubair Hassan's avatarFinder
      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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