Frequently Asked Questions

Yes, if you are first diagnosed with an illness (including COVID-19) while on your overseas trip and require immediate medical treatment, cover is provided for the cost of medical treatment incurred overseas.

No, you’re not covered for medical expenses incurred during your trip if you were diagnosed with that illness (including COVID-19) before your departure.

Yes, cover is provided for costs arising from a necessary and unavoidable trip cancellation or curtailment as a result of an unforeseen illness (including COVID-19) where:

• you first contract and are diagnosed with COVID-19 after the policy is issued;
• a doctor confirms the illness in writing; and
• the illness is not a pre-existing medical condition.

No, cover is not available in this scenario. Simply no longer wishing to travel is not covered under the Policy.

No, cancellation due to COVID-19 government related travel advisories and/or border closures is not covered.

This policy does not cover any pre-existing medical conditions. If you have a pre-existing medical condition, this cover may not be right for you. Before you purchase a policy, you should consider whether a medical condition is considered pre-existing based on the definition of ‘Pre-Existing Medical Condition’ which is found on the PDS.

A Pre-Existing Medical Condition generally means any medical or dental condition, illness, injury or disease that you previously required or continue to require treatment for, or that is under investigation at the time the policy is issued. It’s important to check the full definition of “Pre-Existing Medical Condition” the PDS before making your purchase, as variable limits and time restrictions apply to specified conditions.

Yes, if you suffer an unforeseen illness or injury on an overseas trip which requires immediate medical treatment, cover is provided for your medical expenses incurred overseas. It’s important to always check the PDS, which excludes claims arising from pre-existing medical conditions and participation in certain sports.

Yes, provided there had been no official publication (prior to the purchase of the policy) warning that the natural disaster had occurred or was likely to occur. Please note that natural disasters do not include epidemics or pandemics (which are excluded under the policy).

No, failure to hold or obtain all required documentation for your trip is not covered.

Yes, cover is provided for trip cancellation which is necessary and unavoidable as a result of an unforeseen illness or injury as confirmed by a doctor in writing. The illness or injury must first be contracted or occur after the policy is issued. It’s important to check PDS for details on pre-existing medical conditions which are not covered.

No, any items loaned, hired or entrusted to you are not covered

We will reimburse essential emergency clothing and toiletry expenses incurred (as required for a 24-hour period, up to the benefit amount under ‘Delay of Personal Baggage’ applicable to your chosen plan) if your luggage is delayed for 12 hours or more. If your luggage is delayed for more than 36 hours, the limit is increased up to the benefit amount under ‘Extended Delay of Personal Baggage’ applicable to your chosen plan.

All people covered under the policy must be Australian residents and aged 74 years of age or younger before buying your policy. The policy must be purchased before the trip commences, and the trip must start and end in Australia OR must start and end in the country of assignment.

• If you are studying overseas for the purposes of your university studies, that country is considered your Country of Assignment.
• If you are working overseas as part of your university employment (eg lecturing, sabbatical, etc), that country is considered your Country of Assignment.

You must purchase your policy before your trip commences and this can be up to 12 months before your departure.

Your trip must start in Australia or your Country of Assignment and end in Australia or your Country of Assignment

Yes. Covered persons must be 74 years of age or younger before the date your policy is issued.

No. However, please note that pre-existing medical conditions are not covered.

No. Cover is only applicable if your travel insurance is purchased before you start your trip.

Yes. The maximum trip duration is 90 consecutive days.

The policy provides limited pregnancy cover. Pregnancy related claims are covered under the following sections of the policy:

1. Overseas medical expenses cover - If you have a pregnancy related Medical Emergency which occurs before the end of the 23rd week of your pregnancy
2. Trip cancellation and amendment cover - If you have an injury or unforeseen illness arising from or relating to your pregnancy that a doctor confirms will prevent you from commencing or continuing the trip.

There is no cover for costs associated with childbirth or the health of a newborn child, or for claims arising from any pre-existing medical condition (including any medical condition related to a previous pregnancy or if you have experienced pregnancy complications prior to purchasing the policy).

Yes. We will reimburse additional accommodation expenses (up to the benefit amount under ‘Delayed, cancelled, overbooked or missing onward flight’ applicable to your chosen plan) if your flight is delayed for 6 hours or more. If your flight is delayed for more than 30 hours, the limit is increased up to the benefit amount under ’Extended Delayed, cancelled, overbooked or missed onward flight’ applicable to your chosen plan.

Yes. You may cancel your policy for any reason within 14 days of issue (cooling-off period). You will receive a full refund of the premium you paid, provided:

1. you haven’t started your trip; or
2. you haven’t made a claim; or
3. you don’t want to make a claim or exercise any other right under the policy.

Chubb Assistance is an emergency assistance service. Support is available for emergency advice and assistance services 24 hours a day, 7 days a week for medical or other emergencies while on your overseas trip and which are covered by the policy.
In the event of a medical or similar emergency, simply call our emergency response team on +61 2 8907 5666 to get immediate assistance and help accessing vital services in your local area where covered by the policy.

Please contact Chubb on 1800 803 548 or email us on travel.au@chubb.com for any questions you may have.