CHI Travel Insurance Review 

Learn more about CHI’s travel insurance to find out about their coverage and fees and compare them with other insurers today. 

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, updated on June 26th, 2023       

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CHI Travel Insurance is an Australian-based company which offers several travel insurance policies for people either taking domestic or international holidays. Their policies are underwritten by Hollard Insurance, a globally-recognised insurance brand.

If you’re thinking of snapping up one of CHI Travel Insurance’s policies online, make sure you compare the benefits with Savvy to see how they stack up against what else is on the market.

Find out more about CHI Travel Insurance policies, grab a quote and compare with Savvy today.

*Please note that Savvy doesn’t represent CHI for its travel insurance products.

More about CHI Travel Insurance

What types of travel insurance policies does CHI offer?

CHI offers a few online travel insurance options, including:

  • Top Plus International: this comprehensive policy covers unlimited overseas emergency medical and hospital expenses, your chosen limit of cancellation or trip amendments, additional expenses cover and protection for your luggage if it gets stolen, goes missing or is damaged. These policies don’t have any particular age limits attached to them, with the only real requirement being that you’re an Australian resident with a Medicare card.
  • Basic International: you’re afforded cover for an unlimited amount of hospital and emergency expenses, plus some limited cover for cancellations and travel delays, with this basic policy.
  • Domestic: if you’re taking a holiday within Australia, you can purchase a domestic travel insurance policy through CHI and be covered for emergency medical assistance, your chosen limit of cancellation or amendment cover and travel delays. There is also cover for the loss of or damage to your bags.
  • Multi-Journey: designed for frequent flyers, this type of annual travel insurance policy provides you plenty of the coverage you’d get on a comprehensive policy except you’re able to get coverage for multiple trips over 12 months, so long as you are travelling more than 200km from your home. You’re also afforded up to 45 travel days per trip.
Top Plus International Basic International Domestic
Overseas medical
Unlimited
Unlimited
N/A
Cancellation
Chosen limit
Chosen limit
Chosen limit
Luggage/personal items
$15,000
$5,000
$8,000
Personal liability
$5 million
$1 million
$1 million
Rental vehicle excess
$8,000
$3,000
$6,000
Travel delays
$2,000
$1,000
$2,000
Additional expenses
$50,000
$7,500
$10,000
Missed connections
$5,000
$2,000
$2,000
Emergency medical assistance
Unlimited
Unlimited
$10,000
Hospital cash allowance
$6,000
$3,000
N/A
Delayed luggage
$750
$250
$750

Whether you're going to New Zealand or simply down the road for a weekend in South Australia, comparing with Savvy can help you narrow down your options quickly and easily.

What optional extras are available through CHI Travel Insurance?

CHI Travel Insurance offers some optional extras which you can add to your policy for an extra fee. These include:

  1. Cruise pack: if you’re taking an international or domestic cruise, this add-on covers you for missed ports, shore excursions and cabin confinement if you’re sick or injured. You’re also covered for up to $250 if you require urgent formal attire while you’re onboard your ocean liner.
  2. Motorcycle, moped and scooter pack: this optional extra protects you while you’re riding around on two wheels at your holiday destination. However, you must hold an appropriate motorcycle licence at all times and wear the correct protective equipment to be covered if an accident does happen.

What exclusions should I be aware of when buying a travel insurance policy through CHI?

Some of the general exclusions on CHI’s travel insurance policies include:

  1. Participating in unlawful activities
  2. Accidents caused due to alcohol or drug use
  3. Riding a motorcycle, moped or scooter without a licence
  4. Travelling against government warnings
  5. Unapproved pre-existing medical conditions
  6. Travelling to take part in a medical trial
  7. Loss of your belongings left unattended
  8. Knowingly travelling to a destination with high risk, such as flying to Bali while a volcano is erupting

Before choosing a travel insurance policy for your next holiday, read the Product Disclosure Statement (PDS). This will offer you a detailed indication of what is and isn’t covered.

What we think of CHI Travel Insurance

What we like

Additional expenses cover

If you take out CHI Travel Insurance’s top level of coverage, you’re allowed to claim up to $50,000 for additional expenses such as hotel rooms or food if your flight is delayed.

Your choice of cancellation cover

CHI Travel Insurance allows you to select how much cover you want if you need to cancel your trip for any reason, so long as it’s not part of the general exclusions. This generally ranges from $1,000 in cover to an unlimited amount.

Generous luggage cover

You’re able to claim up to $15,000 on CHI’s comprehensive travel insurance policy, which is much more than some of its competitors.

What we don't like

Coverage for only a few countries

CHI Travel Insurance only allows you to purchase travel insurance for about a dozen countries including Ireland, the Netherlands, Slovenia, Italy and New Zealand.

Limited COVID-19-related cover

If you purchase a travel insurance policy with CHI, you will only be given some limited coverage for COVID-19 if you purchase a domestic policy or travel to New Zealand.

Low personal liability

The amount CHI Travel Insurance allows you to claim for personal liability on their Basic International and Domestic policies is far less than what some other providers offer.

Types of travel insurance

Why compare travel insurance with Savvy?

Frequently asked questions about CHI Travel Insurance

What does CHI Travel Insurance cover when it comes to COVID-19?

CHI Travel Insurance will only cover you for COVID-19-related costs if you’re travelling within Australia or to New Zealand. Their policies will cover the following:

  • Disruptions to your trip or any evacuation costs
  • Claiming up to $3,000 if you need to quarantine because you test positive for COVID-19 during your holiday

 
However, if you’re holidaying in other parts of the world, you won’t be able to claim any COVID-19-related costs.

How do I make a claim on my CHI Travel Insurance policy?

If you need to make a claim on your CHI Travel Insurance, you’ll need to fill out a form within 30 days of the incident occurring. As part of your claim, you will also need to provide some documents to substantiate your version of events. These include:

  • Receipts and proof of ownership
  • Medical, airline and police reports
  • Death certificates
  • Incident and repair reports

 
Once you’ve filed your claim form, it can take up to ten working days for it to be processed. If CHI requires any additional information on top of what you’ve provided on your claim form, they’ll request it in writing. Double-check CHI’s PDS to ensure your event is covered before making a claim.

How much will my CHI travel insurance cost?

There’s no ballpark price or average cost for travel insurance to follow here, as there are many factors that come into play when determining your premium. These include:

  • Age
  • Destination
  • Level of coverage
  • Optional extras you choose
  • Pre-existing medical conditions
  • Chosen policy excess
  • Type of insurer and insurance policy you purchase
Does CHI travel insurance cover pregnant travellers?

Yes – CHI Travel Insurance covers travellers who are pregnant up to the 23rd week of gestation for injury or illness. However, they won’t provide coverage after this time, or past the 18th week if you’re expecting multiple children. They also won’t cover you if you give birth to your child while on holiday.

What’s the difference between single-trip, annual and one-way travel insurance policies?

While yearly multi-trip plans cover numerous trips during a 12-month period, single-trip policies only cover one trip during that time. Most travellers are permitted 45 to 90 days away from home at a time. One-way travel insurance, on the other hand, is made for those who don't have a return ticket booked, such as expatriates or backpackers, and can cover you for up to 12 months with the ability to extend your policy.

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Disclaimer:
We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.