CHI very disappointing
Our policy was a non event. We lodged our claim in April only to be told in June we can’t claim should have known better after reading reviews. Never again.
CHI insurance refuse to give any persons a refund on their insurance. Due to the coronavirus our travel was cancelled and they do not refund at all. So they keep thousands of people’s money for themselves. So disgusting and you would be crazy if anyone ever uses this company. Can’t believe how any company can prey on innocent and vulnerable people.
cone of silence do not use
I purchased this cruise insurance through a travel company before the news of the covid19 hit.
Reading the policy is a "blanket" exclusion on a pandemic, but "certain circumstances" may be taken into account.
Trying to contact this company when you need it most is nigh on impossible.
After wading through a muriad of recorded phone options, I ended up at the underwriter of CHI which is the Allianz claims department. I finally got through to a real person and was told in the first instance was to call the insurer CHI for clarification. After fina...
Paid for travel insurance. Due to COVID19 our cruise was cancelled.
CHI just continue to ignore us. Take money can’t provide service. Not our fault. Do the right thing.
Won’t reply. Fraudsters.
What ever you do, do not even consider travel insurance with this fraudulent company. They don't pull through with anything. I was unable to travel due to my father being sick with stage 4 cancer, I provided every document you can think of, from scans to hospital letters and doctor reports.... And we made sure that the claim complies with the product disclosure statement as well as the terms and conditions to making a claim. We spent hours and hours gathering documents together in such a stressful time and they the just kept passing us on to someone else. Never ever use this company.
I would give a 0 star rating but unfortunately 1 star is the minimum on google. Stay away!!!!
I took insurance for a cruise and through the night prior to the cruise I came down with an awful stomach virus (sparing the details here). The cruise line will not allow anyone on the ship who has had this virus or has it (and a disclaimer must be signed before boarding). I wouldn't have been able to travel 1.5 hours to the terminal anyway. It was heartbreaking to have to cancel. CHI are declining to honour my travel insurance because I didn't go to the doctor for 5 days. I had an appointment 3 days after th cancellation but the doctor was run...ning over an hour behind and I couldn't bring myself to sit there feeling like garbage to be told what I already knew. I explained to CHI it was a stomach virus and I didn't see a need for a doctor. The medical certificate required is in the policy. I took this to my doctor to complete my claim 2 months after the cancellation (remember you have 12 months to claim). I sent off all my documentation, they contacted me for further information and then knocked my claim back. I cannot see anywhere in the policy stating I need immediate doctor attention for a certificate. If anyone can find it, please let me know and I will eat my words and remove this post. If I'm wrong though, I will still never use them due to the arrogance of the rep who processed my claim. I am taking this further, not for the money, just out of principle.
This is the WORST company to deal with!!!
Lost some very valuable possessions e.g laptop. I would stay away from CHI Travel Insurance. They do not cover anything lost or left behind. They have disclosures for everything to cover themselves. Make sure you read all the small print. Their reason was because I left my luggage at the hotel which is classified as a 'public' place hence they did not want to cover me!!! Do yourself a favour and choose another company for travel insurance.
Worst Company Ever!
Worst company I've ever dealt with. Liars and thief. Paid $450 for my travel policy and they refuse to return my ticket. They tell you something and then when you need to take up a claim, they start making up excuses and tell you it's not covered. Basically nothing is covered under their top cover. Never will I ever book with them again. They wasted my time, my energy and efforts, not to mention made me lose $4000 because of their crap claims.
Never book with CHI travel insurance. Tried to make a claim and they never take forever and are really vague about what they are saying, hoping you will just give up trying to claim. So much for processed in 10 days, more like 2 months!
Avoid CHI Insurance - dodgie set up
I was stoked to find a relatively cheap insurance for our 12 month period of travel. Easily signed up with online and money taken. Received a very dodgey letter some time after the initial set up. (can not remember if in fact after the cooling off period) only to find out we were not covered at all due to the wrong coverage. max stay in any one country was 90days for business travel. Something we knew we would be out of had I been aware of the restrictions of this policy. Then found out the underwriters Allianz..allow travel agents to sell the...ir policies. Very rude and unprofessional contact that I dealt with intially. Conflicting advice from Allianz and then declination of claim due to agents denials. However also found very conflicting message in conditions..will be taking it further to the ombudsman as the policy details were very confusing.
Avoid chi insurance
they are happy to take your money but try everything to get out of totally legitimate claim husband taken by hospital night b4 flight missed 5 days due to illness. and not being released from hospital. wanted extra paper work despite supplying all medical records. supplied that and they lost it, fortunately had copies of everything. they claim 10 days to do claims ?? ??? received weird letter form them about claim for amount under excess. Im still wating.... next stop ombudsman...they must do claims offshore I think
Don't use CHI/Allianz for travel Insurance!
Of course you expect that insurance companies will do their best to dodge claims. They tend to rely on the fine print clauses in the policy that you probably didn’t read - and certainly aren’t bothered about when you are in the middle of a health crisis. They tried three different strategies in my case. Two failed. In the third case, about half of my claim was refused.
I had heart related problems on the first day of a holiday in Italy which required an operation. During my recovery, I was advised by my Italian specialist to break my re...
Avoid CHI Travel Insurance at all cost. Does not cover for lost items whilst travelling. Surely this is one of the main reasons for travel insurance, but no, they have a disclosure in the small print that allows them not to cover lost items. You must read the small print!!!!!
Does not cover lost items whilst travelling
Avaoid chi travel insurance!!!
Stay away from CHI Travel Insurance. They do not cover anything lost or left behind. They have disclosures for everything to cover themselves. Make sure you read all the small print. In other words they do not cover lost items whilst travelling. So why bother insuring in the first place. Totally unacceptable. Avoid at all costs
Does not cover lost items whilst travelling!!
Look for another company.
Went to china on a business trip. the taxi driver drove off with my bag, half my iphone, laptop, basically everything. this insurance company wouldnt accept the claim, because it was in transit they claim ??!!
what the point of having insurance then ??? mind you, I had all the police report and receipts for everything.
do you self a favour and find another company.
Very bad experience
I had a fantasic holiday booked to NZ but 2wks prior to leaving had to have emergency neurological surgery, so had to cancel. The travel agent said I shouldn't have any problems with the insurance company for refund, but it has turned into the nightmare from hell! All documentation from all doctors and specialists was forwarded at their request and they state that the information is not sufficient and keep making excuses about why they cannot settle my claim. What is so frustrating is that this medical emergency (which was not pre existing) wa...s life threatening and the communications I have had with this company has really impeded my recovery. My doctor thinks the company is questionable to say the least.There a several questions raised relating to travel insurance, that i would like to know and that is whether they work hand in glove with travel agents and what the qualifications are of their medical teams, because some of the question they ask are unproffessional and silly. Could go on for hours, bu this has definately been a horrible experience. Unprofessional
Questions & Answers
My employer has had to revoked leave previously approved due to requiring me at work during the week I was to be away. I will need to postpone my flight until I can have leave approved again. Do I contact CHI or my travel agent and airline to postpone flight?
what classifies a pre existing condition
Why are they in business? Useless customer service people who have no idea.
|Category||Travel Insurance||Travel Insurance||Travel Insurance||Travel Insurance|
|Maximum Age Covered||101 years old||101 years old||101 years old||101 years old|
|Overseas Emergency Assistance||Unlimited||Unlimited||Unlimited||Unlimited|
|Pregnancy (max weeks)||23 weeks||23 weeks||23 weeks||23 weeks|
|Resumption of Journey||$3,000||$3,000||$3,000||$3,000|
|Hospital Cash Allowance||$50 per day, up to $5,000||$50 per day, up to $5,000||$50 per day, up to $5,000||$50 per day, up to $3,000|
|Overseas Emergency Medical & Hospital Expenses||Unlimited||Unlimited||Unlimited||Unlimited|
|Loss of Income||$10,400||$10,400||$10,400||$5,200|
|Luggage & Personal Effects|
|Theft of Cash||$250||$250||$250||$250|
|Credit Card Fraud||$5,000 as part of Travel Documents cover||$5,000 as part of Travel Documents cover||$5,000 as part of Travel Documents cover||$500 as part of Travel Documents cover|
|Travel Documents / Passport||$5,000||$5,000||$5,000||$500|
|Maximum Single Item Limit||$3,000 (Laptops or Cameras)||$3,000 (Laptops or Cameras)||$3,000 (Laptops or Cameras)||$750 (Any Items)|
|Luggage & Personal Effects||$8,000||$3,000||$8,000||$3,000|
|Rental Vehicle Excess||$3,000||$3,000||$3,000||$2,000|
|Motorbike / Moped Coverage||Included for any size||Included for any size||Included for any size||Included for any size|
|Domestic Pet Care||Not Included||Not Included||Not Included||Not Included|
|Special Activities Packages|
|Snow / Ski||Included||Included||Included||Included|
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