Chubb Travel Insurance Review: Is It Worth the Cost?

Chubb is a property and casualty insurance company that operates in 54 countries and territories. Its executive offices are in France, Singapore, Switzerland, the United Kingdom and the United States.

Besides property and casualty insurance, the company also offers personal coverage and supplemental health insurance, life insurance and travel insurance. Chubb travel insurance is underwritten by ACE Property and Casualty Insurance Co.

Depending on what type of coverage you’re looking for, Chubb offers several different travel insurance options. It offers annual policies as well as single-trip plans for trips to domestic and international destinations.

Coverage ranges across:

• Accidental death insurance.

• Emergency evacuation insurance.

• Lost luggage insurance.

• Travel medical insurance.

• Trip cancellation insurance.

• Trip interruption insurance.

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Three single-trip travel insurance plan options are available: Travel Basics Plus, Travel Essentials Plus and Travel Choice Plus.

These are comprehensive travel insurance plans that include medical coverage as well as trip protections, such as trip delay, baggage delay and baggage loss.

Here's how coverage varies across the plans.

All three plans offer an optional car rental collision coverage add-on that covers up to $35,000 (with a $250 deductible). This add-on includes damage caused by collision, vandalism or weather and does not include theft.

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Chubb single-trip plan cost

Below is how much a 35-year-old traveler from Utah would pay for travel insurance for a 10-day trip to Argentina valued at $2,500.

The least expensive of the options, the Travel Basics Plus plan will set you back $124.62. The Travel Essentials Plus policy comes in at $150.73 and provides more coverage. The most expensive plan, Travel Choice Plus, costs $215.13 and includes the most coverage with higher limits.

All plans include a $7 policy fee.

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Chubb also offers multi-trip or annual travel insurance plans to those who take multiple trips per year. Three policies are available: Travel Basics 365, Travel Essentials 365 and Travel Choice 365.

Below are the coverage limits for annual travel insurance plans offered by Chubb.

Chubb annual plan cost

Below is how much a 35-year-old traveler from Utah would pay for an annual travel insurance policy from Chubb.

The most affordable option of the three, the Travel Basics 365 plan, will set you back $141. The Travel Essentials 365 policy will set you back $233, and the Travel Choice 365 policy costs $449.

• If you’re seeking coverage for one trip: Look into the single-trip travel insurance plans, such as Travel Basics Plus, Travel Essentials Plus and Travel Choice Plus.

• If you’re traveling extensively: For travelers who take multiple trips per year or who are constantly on the road, an annual plan, such as Travel Basics 365, Travel Essentials 365 and Travel Choice 365, will provide a more economical solution.

• If you hold a travel rewards credit card: Take a look at your card’s benefits guide and determine what kind of trip protections, if any, are offered by your credit card. Pick a travel insurance plan with perks that don’t overlap with what is already covered.

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To get a quote from Chubb for an individual or family travel policy, start on it's website. Decide whether you need a single-trip plan or an annual plan, and click on “Get a quote.”

Select between a domestic or an international policy and confirm that you’re a U.S. resident and at least 18 years old by checking the respective box. Enter your travel destination, state of residence, travel dates, the initial trip deposit date and the number of travelers.

Then provide a couple of more details, such as the primary traveler’s age and the cost of the trip.

The quotes for each plan will be displayed on the next page.

For an annual policy, select your state of residence from the dropdown menu, pick a coverage start date, enter the traveler’s age and click “Get quote.”

Like most insurance providers, Chubb publishes a list of exclusions to its coverage. Below are some of the situations not covered by Chubb travel insurance:

• Intentional self-inflicted injuries or suicide.

• Normal pregnancy or elective abortion.

• Participation in professional athletic events.

• Mountaineering.

• War, acts of war or participating in a civil disorder, riot or resurrection.

• Operating or learning to operate an aircraft.

• Being under the influence of drugs or narcotics.

• Traveling for the purpose of securing medical treatment.

• Traveling against a physician’s recommendation.

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If you look online, Chubb travel insurance reviews are mixed, but they also include car, home and business insurance, not the company’s travel insurance branch specifically.

In any case, before you purchase a plan, we recommend not only comparing prices but also reading policy terms to make sure you understand what's covered so your claim will be accepted should you need to file one.