Chubb Insurance

[Battymum]

I have a trip that I am about to cancel booked on my Qantas premier MasterCard. The insurance included is underwritten by Chubb.

Trip was booked in November, so before any cutoff dates.

I have read that they are one of the only companies paying on Covid claims.

anyone have any further information.

At this stage my flights haven’t been cancelled (not due to go until September) but our tour is cancelled and I have some non refundable accommodation.

Is it worth trying for a claim with Chubb?

 

[Battymum]

Also, my flights were award flights booked using QFF points. I know that they are refundable, less 6000 points penalty, unless Qantas extends their current waiver.

I have three separate bookings for the two of us, so that’s 36000points, but I refer to this clause in the PDS. And wondering the value of those points.
I have two F seats PER-DOH
J - IST-SIN
J - SIN-SYD

The retail price of these tickets would be quite substantial - so maybe that 36000 points is worth claiming?
I am assuming they divide the retail fare by the amount of points used to get a per point value.


2.
“IntheeventofTravelDisruptionwhenthefareispurchased
by way of reward/frequent flyer type points. If the travel/ accommodation provider or travel agent will not refund the value of the component (or will only refund a portion of the value) of the accommodation/transport ticket which was obtained by redeeming reward/frequent flyer type points, we will refund the cost of the equivalent accommodation/transport ticket based on the quoted retail price at the time the accommodation/transport ticket was issued less the value of the portion of points refunded back to You”

 

[Battymum]

Oh and third part of my question, I spent $800 buying “top up points” to secure this booking - obviously don’t need that now

Can I claim for that?

 

[nickykim]

I am following this with interest as I have a Velocity points flight redemption with balance paid via Amex booked for August to Singapore and Fukuoka, Japan, which I am expecting to be cancelled. My experience so far with Chubb re coverage for a proactively cancelled refundable Oman Air flight has not been great.

 

[Cruiser Elite]

FWIW we had a corporate policy with Chubb which expired couple weeks back - we did not renew as no imminent travel and it can be reinstated at a minutes notice when starting pistol goes off.

But to the point - if I am not mistaken my partner investigated and was told no cover under this policy for pandemics - I will clarify that in morn and report back if that is any help

 

[nickykim]

I think the cover provided by Chubb via credit cards depends on the specific policy offered via the card. Amex Velocity coverage definitely included pandemic cover at the time I booked my flight (July 2019). I had a quick looks at the PDS for Chubbs Qantas Premium Mastercard cover and can’t see an exclusion for pandemic cover.

 

[muppet]

....
Is it worth trying for a claim with Chubb?

Just to be clear, you will take the advice of someone on this forum who is completely unfamiliar with your policy rather they just lodging a claim?

 

[Battymum]

No just trying to get a feel.

normally I would just call the insurance company,

But anyway from what I read on their website they suggest not cancelling until 4 weeks out, as restrictions could lift and it will be regarded as a “disinclination to travel”

So looks like we’re down $1200 for the non refundable accommodation-
the flights I will hold for a while and see if they extend the no penalty cancellation period. But in the scheme of things, paying a points penalty is not too bad.

As for the $800 worth of top up points I purchased, well that’s wishful thinking that I could recoup some of that.

 

[Cruiser Elite]

Just spoke to the broker who did our Chubb Corporate Travel Insurance Policy - the term 'Pandemic' never appeared in our policy - the wording was 'Quarantineable Disease' and indeed this was not covered. Best you check your Chubb policy re this wording - again clearly they may differ origin to origin.

Broker went on to say Insurance Companies are ALL directing insured straight back to Airlines, Hotels etc and seek refunds there until all avenues exhausted - if no joy there some insurers like AIG are considering partial compensation and others like Covermore are saying bye bye

 

[YSSY]

I tried making a chubb claim/Qantas Premier card. As expected the insurance is worthless.


"Our decision


After careful review of the information provided to us, we regret to advise that your policy is unable to respond to this claim under Section 1A Travel Cancellation Cover as the cause of your trip cancellation does not fall within your cover. Whilst we sympathise with your situation, your policy can only respond to claims following a travel cancellation for the specified causes listed above."

 

[greeny923]

I tried making a chubb claim/Qantas Premier card. As expected the insurance is worthless.


"Our decision


After careful review of the information provided to us, we regret to advise that your policy is unable to respond to this claim under Section 1A Travel Cancellation Cover as the cause of your trip cancellation does not fall within your cover. Whilst we sympathise with your situation, your policy can only respond to claims following a travel cancellation for the specified causes listed above."

Thanks for the update. I also have the same cover but have not lodged a claim. The issue is hotels/airlines are issuing restrictive credits and it is unclear if I need to take them. The trip that we had booked was a wedding in Europe which is now not going ahead.

I note that the policy covers travel cancellations in the event of natural disasters and there is no exclusion on pandemics. Could we argue that Covid-19 comes under a natural disaster? They do not define natural disaster in any more detail.

 

[YSSY]

Interesting email from Chubb. Pleasantly surprised.

Dear XX,
We are writing to you in relation to your travel insurance claim due to the coronavirus outbreak. We are sorry that your trip was affected.
At the time when your claim was lodged and a decision was made, the terms and conditions that applied to your claim circumstances meant that there was no cover under your policy. However; since COVID-19 developed and the Australian Government Department of Foreign Affairs and Trade (DFAT) travel advice was upgraded to “do not travel”, the circumstances around travel changed which may affect your claim.
In order for us to consider your claim further, please could you provide the following:
Confirmation of whether you wish for this claim to be re-assessed. If yes, we will require confirmation that you have not claimed elsewhere, have not received a credit card chargeback and have not received a full refund or other remedy.
Confirmation of the amount being claimed with a breakdown of this amount.
Cancellation invoice and refund/no refund statement from your travel agent for your new flights confirming the refund of money or travel credit offered or received.
Statement of account to confirm your trip was purchased on the card.
Once we receive this information, we will let you know if this is something we are able to proceed further with.
Please note that your policy provides cover for non-refundable unused expenses and therefore, if you have received an offer of a travel credit, voucher or postponement for your booking, this is unlikely to be something that we can consider further as part of the claim.
Sincerely,
Cardmember Services

 

[theblank]

Based on that letter, it seems that your claim was rather vague. They wouldnt be asking for these specifics if you already provided them, which is the normal requirement for lodging a claim.

as for the flights booked with points, you have no claim. Qantas will refund the points so no cost to you. (aside from cancellation penalty which is unlikely to be charged)