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Travel Insurance

Top 5 Questions

Before you buy a policy, we ask you to confirm that you are NOT

Receiving or on a waiting list for treatment in a hospital or nursing home;

Waiting for investigation or referral, or the results of any investigation, medical treatment or surgical procedure, for any condition, whether diagnosed or un-diagnosed;

Choosing not to take prescribed medication, or the correct dose of prescribed medicine;

Travelling against the advice of a medically qualified doctor;

Travelling to obtain medical, dental or cosmetic treatment;

Travelling with a terminal condition;

If you can confirm these and the other statements we ask you to confirm, you can buy our cover online.

Yes. To protect your own interests you should purchase travel insurance cover at the same time you purchase your travel package. You can buy it at a later date but it will not cover events which have already occurred.

If you are buying a single trip policy, your cancellation cover begins instantly. If you are buying an annual policy, you can choose when your cover begins (up to 180 days in the future). If you have already booked a holiday, and have no other travel insurance arrangements in place, you should ensure your policy starts immediately, so you are covered for cancellation.

Yes, provided you have bought an annual policy. You must spend at least two nights in accommodation you booked before your departure. So a weekend break involving two nights in a hotel would be covered, but a day out and overnight stop wouldn't. If you have bought a single trip policy you will not be covered for holidays in the Republic of Ireland. Whichever policy you buy, some benefits are not payable for holidays in the Republic of Ireland. See the Policy Wording for full details.

Yes, our travel insurance does not cover any trip in, to or through the following countries;

Cuba, Iran, Syria, North Korea, North Sudan and Crimea.

Frequently Asked Questions - COVID 19

If you have Private Medical Insurance (PMI), and this is noted on the schedule, in the first instance please contact your Private Medical Insurer - and Chubb subsequently if required. If you have a Standard Non-PMI Policy in place and you fall ill with the COVID-19 virus while on holiday, please contact Chubb Assistance for advice in relation to treatment and medical expenses which may arise.

If the Department of Foreign Affairs advises against ‘non-essential travel’ or issues a ‘do not travel’ advisory notice for your intended destination and this comes into force after the start date or renewal date of this insurance, or the date when you booked your trip, whichever is later you will be able to claim for cancellation.

We will only consider unused travel and accommodation on Your travel insurance policy. So you should first approach the airline, tour operator, accommodation provider or travel company for a possible refund or to see if they will amend the itinerary.

All cover is subject to individual policy conditions, limits and applicable excess.

Important

If your travel insurance was purchased or trip was booked after the Department of Foreign Affairs advice changed to ‘avoid non-essential travel’, you will not be able to claim.

If you change your mind and do not wish to travel due COVID-19, you will have cancellation cover only if the Department of Foreign Affairs  has advised to ‘avoid non-essential travel’ or ‘do not travel’ to your trip destination.  You must also have met the requirements listed under question 1 above.

Important

If your travel insurance was purchased or trip was booked after the Department of Foreign Affairs advice changed to ‘avoid non-essential travel’ or ‘do not travel’, you will not be able to claim.

If your flights are cancelled by the airline, you must contact the airline directly regarding your options.

If you incur additional accommodation costs arising from forced quarantine at pre-booked accommodation or elsewhere, which are not met by local authorities, you will be able to claim for any irrecoverable, unused accommodation and other unused prepaid charges and reasonable additional travel costs to return home once the period of quarantine has ended. If you cannot return home as scheduled due to being quarantined, the policy will automatically be extended at no extra cost for 30 days until you are able to return to Ireland. If the quarantine period extends beyond 30 days, please contact us for guidance.

You will be covered for irrecoverable unused Travel and Accommodation costs only if the Department of Foreign Affairs advise against travel to the location or if they advise you to leave the country or location. If the policy or trip was booked after the Department of Foreign Affairs advice changed to “All but Essential Travel” or ‘Do Not Travel’, you will not be able to claim. If you choose to change your travel arrangements and the Department of Foreign Affairs has NOT advised against ‘non-essential travel’ or NOT issued a ‘do not travel’ advisory notice for your destination, it is likely the claim will be denied. In the first instance, contact your travel provider for guidance. If you are still unsure or have any questions, please contact our travel insurance claims team.

If you booked your accommodation through your travel provider, you would need to contact them directly to seek a refund.  If you booked your accommodation independently, you must first seek a refund from the accommodation provider.

If this is unsuccessful, please contact our travel insurance claims team.

You will be covered for irrecoverable unused Travel and Accommodation costs only if the Department of Foreign Affairs advise against travel to the location or if they advise you to leave the country or location. If the policy or trip was booked after the Department of Foreign Affairs advice changed to “All but Essential Travel” or ‘Do Not Travel’, you will not be able to claim. If you choose to change your travel arrangements and the Department of Foreign Affairs has NOT advised against ‘non-essential travel’ or NOT issued a ‘do not travel’ advisory notice for your destination, it is likely the claim will be denied. In the first instance, contact your travel provider for guidance. If you are still unsure or have any questions, please contact our travel insurance claims team.

You will be able to claim for reasonable additional costs for food/drink/personal hygiene products that you would not have ordinarily incurred at home. There is no cover under the policy for loss of earnings.