Frequently Asked Questions

Travel insurance is uniquely designed to cover the unexpected risks related to traveling. Most travel insurance plans designed for sale to leisure travelers include trip cancellation, trip interruption, baggage delay or lost baggage benefits along with travel and medical assistance services. Others may include accident and medical benefits as well. It is important to read the description of the plan offered to you before purchasing the plan to determine if it provides the coverage best for your trip.

Most travel insurance plans provide benefits and services not typically available through your healthcare or homeowners insurance. These plans provide an affordable opportunity to insure yourself against certain risks likely to only occur while you are on a trip, or prior to it.

Chubb is a premier global underwriter of travel insurance and travel risk programs covering individuals around the world. Our travel programs are especially designed to provide you with travel related benefits not typically covered by other insurance plans you may have. Chubb’s travel services are available to help you plan your trip and to help keep you informed and able to respond to unexpected events that may occur while you are traveling.

Chubb Travel Protection plans cover the basics – trip cancellation, trip interruption, trip delay, baggage & personal effects, and medical expense. Please see our Coverage Overviews for a description of the benefits available with our plans.

Yes. Please read the Coverage Overview carefully to understand what is NOT covered. You will find these listed as general exclusions. There may be additional exclusions that apply to specific benefits. These additional exclusions may be found in the evidence of insurance provided to you once you purchase an insurance plan. You may cancel your insurance coverage for any reason during the initial “free look” period and your premium will be refunded to you. Please be sure to review your policy or certificate carefully as soon as you receive it.

Pre-trip benefits and services like trip cancellation benefits and rebooking services begin at 12:01 AM following purchase of the insurance plan. Other benefits including medical, accidental death and dismemberment, lost or delayed baggage go into effect at the start of your trip.

Typically, health insurance provides for medical, surgical, hospital treatment or supplies. A few plans will provide emergency medical evacuations at least on a reimbursement basis. Nonetheless, healthcare plans are not geared to respond to individuals traveling away from their home or even out of their home country. They will not provide referrals to local providers or help in obtaining necessary care while you are on a trip.

As used within the context of the Chubb Travel Protection plans, a pre-existing medical condition is any injury, sickness or other condition that, within 90 days immediately before the effective date of your insurance either, a) first manifested itself, worsened, became acute or had symptoms that would have prompted a reasonable person to seek diagnosis, care or treatment; or b) for which care or treatment was given or recommended by a physician; or c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines.

Once you complete your purchase you will receive a confirmation email including your policy number, Coverage Overview and Confirmation Statement. You may go online to access your insurance documents including your Travel Assistance ID Card, Policy or Certificate of Insurance, and a claim form if needed.

You will have a free look period once you receive your certificate of insurance or policy. During this time you may cancel your purchase and receive a full refund.

You may cancel your policy prior to your trip departure date by contacting our Chubb Travel Protection Call Center at 844-825-2264.

If you cancel your coverage within the “Free Look“ period your insurance premium will be fully refunded.

If your trip is cancelled you may be eligible to receive a benefit. Contact the Chubb Travel Protection Call Center as soon as possible to file a claim.

Call Chubb Travel Protection Call Center from 8am to 8pm Eastern. You will be transferred immediately to our Emergency Response Center during business hours for emergency service. In an emergency during non-business hours, you may contact our Emergency Response Center directly at 877.319.4397.

You may call the Chubb Travel Protection Call Center to report a loss, get help with submitting a claim or check on the status of a claim you have already submitted. Claim forms are available online at Self-service.

Claim forms are available online at Self-service.

Chubb Travel Protection Assistance Services provides travelers with 24/7 access to a multi-lingual emergency response center to help you when you are traveling away from home. Services include Concierge, Medical, Personal, Travel and Security services.

Concierge services are personal services provided to help you relax and enjoy your trip. Whether the occasion calls for travel planning, dining reservations, shopping services, tee-time reservations, renting a car, or access to special events or unique, hard-to-find items, our Concierge Consultants can handle your requests.