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One Trip

Chubb One-Trip Travel Protection

IMPORTANT INFORMATION ABOUT CHUBB ONE TRIP TRAVEL PROTECTION

You must not be aware of any circumstance which is likely to give rise to a claim before You take up this insurance. Cover is provided subject to the terms, conditions and exclusions of the Chubb One-Trip Travel Protection Combined Financial Services Guide, Policy Wording and Product Disclosure Statement (PDS) and the Supplementary Product Disclosure Statement (SPDS).

Eligibility criteria:

You can apply for cover under a One Trip Travel Protection Policy:

  1. if You are an Australian resident; and
  2. for Your Journey which starts or ends at Home in Australia or Your Usual Place of Residence outside of Australia, if You are a Covered Person under the Chubb Business Travel Insurance Policy and You have received written confirmation of cover from the Policyholder (i.e. the university);
  3. if You are at least eighteen (18) years of age on the Issue Date of the One Trip Travel Protection Policy and not older than seventy-five (75) years of age on the Start Date of the One Trip Travel Protection Policy;
  4. if Your Journey meets the definition of Journey in the One Trip Travel Protection Supplementary Product Disclosure Statement (SPDS), also shown in the table below:
Certificate of Insurance means the document We send You which contains details of the cover provided to You by Us.
Chubb Business Travel Insurance Policy means a business travel insurance policy underwritten by Chubb Insurance Australia Limited (Chubb) (ABN 23 001 642 020, AFS Licence No. 239687).
Country of Assignment means the country that the Covered Person is visiting or on a placement to (excluding Australia) in either case as arranged by the Policyholder.
Covered Person means a Covered Person as defined under Chubb Business Travel Insurance Policy.
End Date means the end date shown on Your Certificate of Insurance.
Home means Your usual place of residence in Australia.
Insured means the person named as the Insured on the Certificate of Insurance and who pays the premiums to Us in respect of Insured Persons.
Insured Person means any person who is named as an Insured Person on Your Certificate of Insurance and with respect to whom premium has been paid or agreed to be paid.
Issue Date means the date We agree to provide insurance under the Policy as shown on Your Certificate of Insurance.
Journey means the period commencing at the time You leave Your Home or Your Usual Place of Residence to start Your Journey to which this Policy applies and ceasing at the time You return to Your Home or Usual Place of Residence, provided the Journey commences on or after the Start Date and finishes on or before the End Date.
Policy means Your policy wording and Product Disclosure Statement (PDS) and Certificate of Insurance and any other document that We tell You forms part of Your Policy describing the insurance contract between You and Us.
Policyholder means the Policyholder as defined under a Chubb Business Travel Insurance Policy.
Start Date means the date We agree to provide insurance under the Policy as shown on Your Certificate of Insurance.
Usual Place of Residence means Your usual place of residence in Your Country of Assignment.
You, Your means the person/s named as the Insured and also includes those named as Insured Persons on Your Certificate of Insurance with respect to whom premium has been paid or agreed to be paid.

Where can my One Trip Travel Protection Policy Journey commence?

  1. when You leave Your Home in Australia; or
  2. when your leave Your Usual Place of Residence within Your Country of Assignment.

Where must my One Trip Travel Protection Policy Journey end?

  1. when You return to Your Home in Australia; or
  2. when You return to Your Usual Place of Residence in You Country of Assignment.

When will my One Trip Travel Protection Policy Journey commence?

  1. Cover under Section 3 for Loss of Deposits and Cancellation Charges starts from the Issue Date.
  2. All other cover commences from the Start Date when You leave Your Home in Australia or when you leave Your Usual Place of Residence within Your Country of Assignment.

When will my One Trip Travel Protection Policy Journey end?

  1. On the End Date, or earlier where;
  2. You return to Your Home in Australia or when You return to Your Usual Place of Residence in You Country of Assignment.

Can I purchase a One Trip Travel Protection Policy for a Journey which commences prior to, during or after the end of a Journey where I am a Covered Person under a Chubb Business Travel Insurance Policy?

  • Yes, if You meet the eligibility criteria (as above).

Can I purchase a One Trip Travel Protection Policy for a Journey within my Country of Assignment?

  • Yes, if You meet the eligibility criteria (as above).
  • For Journeys within Your Country of Assignment, please select the location of Your Country of Assignment as the Destination (when applying online). Cover will not be provided for travel within Your Country of Assignment if You select ‘Domestic’ as Destination as shown on Your Certificate of Insurance.

Can I purchase a One Trip Travel Protection Policy if I am not a Covered Person under a Chubb Business Travel Insurance Policy?

  • If You are not a Covered Person under a Chubb Business Trip Travel Insurance Policy, You can purchase a One Trip Travel Protection Policy for a leisure travel Journey which commences and ends in Australia.
  • There is no option for You to purchase a One Trip Travel Insurance Policy for any Journey which commences or ends outside of Australia.

I will be travelling for leisure for a total of 3 weeks which will consist of 1 week prior to, and then 2 weeks following, the university business trip for which I will be a Covered Person under the Chubb Business Travel Insurance Policy; can I purchase a One Trip Travel Protection Policy for the total 3 weeks leisure travel?

  • For Your leisure travel One Trip Travel Protection Journey, you can purchase two One Trip Travel Protection policies, one for the first leisure travel Journey preceding Your work placement and the other for the second leisure travel Journey following Your work placement.

For example:

  • 1 week leisure travel prior to university exchange/secondment – the first One Trip Travel Protection Policy is purchased
  • 1 month university exchange/secondment – the university Business Travel Insurance Policy applies
  • 2 week leisure travel after to university exchange/secondment – a second One Trip Travel Protection Policy is purchased

Chubb One-Trip Travel Protection has 5 plans for you to choose from:

Plan Type Covered Locations under each Plan
Worldwide (Excl. Cuba)
Americas (excluding Cuba) and Africa (compulsory if more than 20% of Your Journey is in the Americas and/or Africa) and locations covered by Plans Worldwide excluding the Americas and Africa, South East Asia, New Zealand/Pacific Islands and Domestic.
Worldwide excluding the Americas, Africa & Cuba
UK, Europe, Japan, Hong Kong, China, the Middle East, and Indian Sub-Continent and locations covered by Plans South East Asia, New Zealand/Pacific Islands and Domestic.*
South East Asia
South East Asia and locations covered by Plans New Zealand/Pacific Islands and Domestic.*
New Zealand/Pacific Islands
New Zealand, Indonesia, South West Pacific and locations covered by Plan Domestic.*
Domestic
Australia Only

* Covered locations include the Americas and Africa (excluding Cuba) if less than 20% of Your Journey occurs in the Americas and/or Africa.

You can be covered for journeys of up to 6 months under the One-Trip Travel Protection.

If you're travelling more than once per year, you may want to consider obtaining a quote for Annual Travel Protection. Annual Travel Insurance policy starts from $365 Worldwide Plan.

For Travel within Your Country of Assignment, please select the Destination of the location of Your Country of Assignment. Cover will not be provided for travel within Your Country of Assignment if You select ‘Domestic’ as Destination as shown on Your Certificate of Insurance.

You can apply for cover for Journeys of up to three (3) months duration under the Chubb One Trip Travel Protection. If a period greater than three (3) months is required, You have the option to contact Us to request the maximum period of Your Chubb One Trip Travel Protection Journey to be extended for up to a further three (3) months, however this request must be received before the End Date shown on Your Certificate of Insurance.

The maximum combined period of insurance under the Chubb Business Travel Insurance and Chubb One Trip Travel Protection is limited to twelve (12) months.

You will also need to select either Single, You and Your Travelling Companion or Family cover:

Who can be Covered
Single Cover
Cover for You and Dependent Children and two (2) other Unrelated Children provided they are travelling with the Insured on a Journey.
You and Your Travelling Companion Cover
Cover for You and Travelling Companion.
Family Cover
Cover for You and Spouse/Partner and Dependent Children and two (2) Unrelated Children provided they are travelling with the Insured on a Journey.

Dependent Children and two (2) Unrelated Children are covered for free when the Insured purchases Single or Family cover. There is no restriction on the number of Dependent Children covered, but all Dependent Children and Unrelated Children must be named on the Policy.

The maximum benefit amount We will pay for claims by You (the Insured and any other persons covered including Dependent Children and Unrelated Children) is twice the benefit shown in the Summary of Benefits table.

Dependent Children and Unrelated Children – up to and including eighteen (18) years of age, or twenty-one (21) years of age if full-time students at an accredited institution of higher learning.

Summary of Benefits

The following Table summarises the benefits we can provide. Please refer to the Chubb One-Trip Travel Protection Combined Financial Services Guide, Policy Wording and Product Disclosure Statement (PDS) and Supplementary Disclosure Statement (SPDS) for detailed descriptions of the cover and the terms, condition, limitations and exclusions.

Maximum benefit limits apply, as summarised in this Table. Where specified, sub limits also apply.

If You are travelling with Dependent Children and/or two (2) Unrelated Children on either Single or Family Cover, the maximum benefit amounts We will pay for claims by You and any other persons covered (including the Dependent Children and/or two (2) Unrelated Children) is twice the benefit shown in the table below.

The references to Sections isare to the relevant Section in the PDS and SPDS.

Schedule of Benefits Worldwide Worldwide excluding Americas and Africa South East Asia New Zealand / Pacific Islands Domestic
1) Overseas Medical and Dental Expenses


Medical expenses after You have returned to Your Usual Place of Residence – (sub limit) please refer to Section 1)
Unlimited



$50,000
Unlimited



$50,000
Unlimited



$50,000
Unlimited



$50,000
N/A



N/A
2) Additional Expenses
2.1 Resumption of Journey (sub limit)
2.2 Special Events (sub limit)
2.4 If You Die (sub limit)
Unlimited
$3,000

$2,000

$10,000
Unlimited
$3,000

$2,000

$10,000
Unlimited
$2,500

$2,000

$10,000
Unlimited
$2,500

$2,000

$10,000
$15,000
$3,000

$2,000

$10,000
3) Loss of Deposits and Cancellation Charges
Travel Agent’s Cancellation Fee (sub limit)
Unlimited
$750
Unlimited
$750
Unlimited
$750
Unlimited
$750
$15,000
$750
4) Luggage and Travel Documents
4.1 Loss, Theft or Damage
a) Item Limit (each item)
b) Video & Electrical Equipment (sub limit)

4.2 Delayed Luggage Allowance
a) More than 24 hours (sub limit)
b) More than 72 hours (sub limit)
$15,000



$500
$3,500




$500

$1,000
$12,500



$500
$3,500




$500

$1,000
$10,000



$500
$3,500




$500

$1,000
$5,000



$500
$3,500




$500

$1,000
$5,000



$500
$3,500




$500

$1,000
5) Replacement of Money
$1,250
$1,000
$750
$500
N/A
6) Rental Vehicle Excess
$3,000
$3,000
$3,000
$3,000
$2,000
7) Travel Delay Accomodation
$1,500
$1,250
$1,000
$750
$500
8) Cash in Hospital
(a) Daily Amount
(b) Maximum Amount

$100
$15,000

$100
$15,000

$100
$15,000

$100
$15,000

N/A
9) Public Transport Hijacking
(a) Daily Amount
(b) Maximum Amount


$1,000
$30,000


$1,000
$30,000


$1,000
$30,000


$1,000
$30,000


N/A
10) Personal Liability
$3,000,000
$3,000,000
$2,000,000
$2,000,000
$200,000
11) Accidental Loss of Life & Permanent Loss
Maximum amount for Dependent Children:
(a) Accidental Loss of Life
(b) Disability
$25,000



$1,000

$10,000
$25,000



$1,000

$10,000
$20,000



$1,000

$10,000
$20,000



$1,000

$10,000
$15,000



$1,000

$10,000
12) Credit Card Benefit
$2,500
$2,500
$2,500
$2,500
N/A
13) Legal expenses
$5,000
$5,000
$5,000
$5,000
N/A
14) Loss of Income
$9,000
$9,000
$9,000
$9,000
N/A

Excess

The excess is the first amount of a claim, which We will not pay for. The Policy excess is $100 for international plans (GST is not applicable for international plans) and $50 for the domestic plan (including GST).

Medical expenses for treatment and services rendered in Australia are not payable under this policy.

Important Information about Travel Insurance

You are not aware of any circumstance which is likely to give rise to a claim before You take up this insurance.

You are a resident of Australia and will be returning to Your Home at the completion of the Period of Insurance.

Journey means the period commencing at the time You leave Your Home to start Your journey and ceasing at the time You return to Your Home, provided the journey:

  1. commences while this Policy is in force; and
  2. has either an interstate or overseas destination or, if intrastate (i.e. within the State You normally reside) involves You travelling more than a one-hundred (100) kilometre radius from Your Home.

Your Journey must not be greater than 6 months.

Age Limit:

Adults – From eighteen (18) years of age, up to and including seventy-five (75) years of age.

Dependent Children and Unrelated Children – up to and including eighteen (18) years of age, or twenty-one (21) years of age if full-time students at an accredited institution of higher learning.

Medical expenses for treatment and services rendered in Australia are not payable under this policy.

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1 Country of Residence
?
2 Destination
? ??
3 No. of Travellers
? ? Adults
Adults' Age
? Dependants
4 Trip Type
?
From
Until

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