Chubb Travel Insurance Review

Learn more about Chubb's travel insurance policies 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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One of the world’s largest providers of travel insurance products, Chubb operates in more than 50 countries, such as Singapore and New Zealand. It employs 33, 000 people across the globe, including about 800 in Australia, and underwrites travel insurance policies for a slew of other providers including American Express (AMEX).

If you’re wanting to compare some of Chubb’s travel insurance policies with those of other insurers, Savvy can help you out. By comparing with us, you can increase your chances of finding a policy that suits your next holiday to a tee.

Find out more about Chubb’s travel insurance policies and compare them with other offers with Savvy now.

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

More about Chubb travel insurance

What travel insurance policies does Chubb offer?

Chubb offers a few standalone travel insurance policies, including:

  • International Trip (Essentials): this policy covers you for a few of the must-have benefits of travel insurance, including unlimited medical and hospital coverage, emergency repatriation and personal liability. You’re also given some limited coverage for cancelling your trip before you leave and your bags if they’re lost, stolen or damaged.
  • International Trip (Comprehensive): Chubb’s comprehensive policy allows you to access coverage for overseas medical emergencies, cancellations or delays, accidental death while on holiday and the loss or theft of your bags. You’re also afforded limited cover for loss of income if you’re injured or struck down with illness and can’t return to work.
  • International Trip (Prestige): Chubb’s top-tier policy, the Prestige plan offers you all the same benefits as the comprehensive option with higher claim limits. For example, while you’re able to claim up to $10, 000 if you need to cancel your trip before your departure on the comprehensive policy, this travel insurance option allows you to claim up to $20, 000.
  • Domestic Trip: if you’re sticking a little closer to home on your next holiday, Chubb offers domestic travel insurance which covers you for cancellation, trip delays and the loss, theft or damage to your luggage. You’re also covered for personal liability in the event you’re found to be legally responsible for the injury of another person or damage to their property.
International Trip (Essentials) International Trip (Comprehensive) International Trip (Prestige) Domestic Trip
Overseas medical expenses
Delayed or overbooked flights
Luggage and personal items
Return home to care for a relative
Personal liability
$2.5 million
$5 million
$5 million
$2 million
Accidental death
Loss of income

Whether you’re taking off to Singapore or just heading across to Swan River on the south west coast, it’s important to compare policies, which you can do right here with Savvy.

What optional extras are available through Chubb?

Chubb Travel Insurance offers a few optional extras which you can tack onto your policy for a higher premium. These include:

  1. Rental vehicle excess cover: if you’re hiring a vehicle to get around your destination, Chubb offers you $3, 000 coverage if you’re held liable for damage to the car and need to pay an excess. This cover protects nominated drivers and you must have a valid driver’s licence or permit. You won’t be covered if you rent a motorcycle, moped, trailer, minibus or motorhome.
  2. Snow sports cover: whether you’re heading to Japan to carve up the ski fields near Nagano City or taking a drive to Charlotte Pass in the Snowy Mountains, this add-on covers you for snow skiing, snowboarding, tobogganing and snowmobiling while on holiday. This optional extra won’t cover you for heli-skiing, cross-country skiing or racing of any kind.
  3. Cruise cover: this add-on covers you for cruising through Australian waters or international seas. You’re covered for onboard medical expenses, delayed luggage or unexpected cancellation or rearrangement of your travel plans.

What exclusions should I be aware of when buying travel insurance through Chubb?

The following are some of the examples of general exclusions on Chubb’s travel insurance products, or some of their affiliates such as AMEX:

  1. Changing your mind and calling off your holiday
  2. You’re diagnosed with a terminal illness before you depart
  3. If you’re over the age of 70
  4. Taking a domestic trip not more than 150km from home
  5. Alcohol- or drug-induced accidents
  6. Partaking in a competitive sport for prize money
  7. Any costs associated with travel to Cuba
  8. Riding a motorcycle or moped without a helmet
  9. You can no longer afford your trip

If you’ve found a travel insurance policy that draws your eye, make sure you review the Product Disclosure Statement (PDS) before you set your decision in stone.

What we think of Chubb travel insurance

What we like

Coverage for COVID-19-related costs

Chubb provides cover for COVID-19-related costs such as overseas medical expenses and pre-trip cancellation if you test positive. However, they won’t pay for claims relating to closed borders, testing or needing to quarantine.

Solid personal liability cover

While many travel insurance companies only allow you to claim up to $2. 5 million or less under their personal liability cover, Chubb allows you to claim back up to $5 million on specific policies.

Generous claim limits

Some of the claim limits on Chubb’s policies are generous when compared to other insurers. For example, while many providers will only let you claim up to $500 for emergency dental costs, Chubb sets this at $2, 000.

What we don't like

Limited seniors cover

Chubb travel insurance provides limited coverage for senior travellers, with those over 70 unable to purchase policies where they’d otherwise be able to with different insurers.

No automatic cover for pre-existing conditions

In most cases, travel insurance providers will have a list of pre-existing medical conditions automatically covered under their policies. However, Chubb doesn’t and requires you to undergo a medical examination if you need to declare any type of condition.

Limited pregnancy coverage

Certain travel insurance providers on the market offer pregnant travellers cover up to 30 weeks. However, Chubb only offers cover up to the 23rd week.

Types of travel insurance

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Frequently asked questions about Chubb travel insurance

How do I make a claim through Chubb?

If you need to lodge a claim on your travel insurance policy, Chubb allows you to do it through their website 24 hours a day, seven days a week. It’s important to file your claim within 30 days of the incident occurring and take reasonable steps to minimise further loss. To submit your claim, you’ll need to:

  • Provide your policy number and contact details, such as your email address
  • Complete the claim form with sufficient detail
  • Once you’ve finished the claim form, gather and supply any supporting documents to back up your claim. These can include photographs, quotes, receipts, medical or doctors’ reports or proof of purchase.

Chubb says once all the information has been provided, and any additional questions answered, they should be able to process your claim in five working days. If your claim is approved, their PDS says you should your reimbursement within five working days.

How much will my Chubb travel insurance cost?

Everyone needs travel insurance when taking a holiday, but how much will it cost? The price of travel insurance varies from person to person, meaning there’s no one-size-fits-all approach to how much you’ll pay. A few factors go into determining how much you’ll pay, including:

  • Age
  • Destination
  • Level of coverage
  • Any optional extras
  • Chosen policy excess
  • Type of insurer and insurance policy you purchase
Does Chubb allow me to alter my travel insurance policy after I’ve purchased it?

Yes – Chubb lets you make changes to your policy if you spot some mistakes prior to your departure. If you’ve already departed and need to extend your policy for a covered reason, you will need to pay an extra premium. However, it pays to keep in mind that Chubb won’t let you extend your policy for any longer than 180 days.

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

Single-trip travel insurance covers just one trip, while annual multi-trip plans cover you for a string of holidays over 12 months. Usually, travel insurance providers let you take an unlimited number of trips but they’ll cap how long you can travel at between 45 to 90 days. One-way travel insurance policies cover you if you haven’t yet booked a return flight. However, it’s important to note that Chubb only sells single-trip policies.

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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.