Smith C - Australia
Cheaters: not sure how govt allow this fraud company
Not worth it. Must avoid. Rude customer service.
Here is the summary of my claim :
Maximum Benefit Amount for Delayed Luggage AUD 250.00
Less Policy Excess AUD 250.00
Total Payable Amount AUD 000.00
Amex Centurion member for over 35 years
Flight canceled due to weather at Sydney airport.
when i travel i use Amex Centurion Card, The complimentary Chubb insurance policy makes several claims but are basically hopeless and then question your claim several times requesting basic information that has previously been provided. Hopeless customer service.
Buyer Beware!! Absolutely Useless Coverage! Total Waste of Money!!
Purchased a travel insurance for a family of 5 totaling $950. Chubb was most expensive of the three quotes but chose them from a friend's recommendation. Three hours before our departure we were robbed of our luggage. The thieves smashed through the rear window of our rental car, stealing over $7,740 worth of goods - the most expensive being my husband's CPAP machine and 3 laptop computers. Chubb refuses to cover because apparently, we need to be mugged before they will cover because our luggage was considered "unattended" as it was left in the car for 30 min while we got a sandwich for lunch. Seriously?? Why bother having insurance? Imagine if it was a medical claim? Save your money and get travel insurance that truly covers you, like Allianz or QBE. Chubb is a disgraceful insurance company. As Natasha, a previous reviewer posted, they did not even cover her for flight cancellations/issues. Shame on you Chubb! I feel like I've been robbed all over again. Stay away from this insurer and learn from my mistake purchasing coverage from them. A total sham company.
Excellent service - fully satisfied
I had to cancel a complex self-organised trip to South America due to a medical diagnosis.
The trip was covered through my complimentary AMEX card insurance benefit.
The claim was handled professionally and very quickly by Chubb, even to the extent of waiving the excess payment, because I handled the follow-ups with numerous providers (airlines, hotel booking agencies, tour companies for excursions etc.) myself and only claimed the remaining shortfalls after receiving refunds from them.
Well done, Chubb!
Insurance excess made my claim useless
Mine was not Life Insurance, nevertheless I had a disappointing outcome with Chubb Insurance. However, the processing of my claim was quite timely.
Long story short, my check-in luggage was damaged, made a claim however the policy excess (at $100) basically meant I get to claim nothing for compensation! Years ago I had made a damaged luggage claim with another insurance provider, much happier with that outcome!
Basically there are other better insurance companies out there, and pay attention to insurance excess which may render your claims useless.
Waste of money!!
I took out flight insurance with Chubb for a flight from Sydney to Brisbane. My flight got cancelled by TigerAir and they were unable to offer me a suitable alternative flight (the best they could come up with was a flight for 3 days later!) I had to be back in Brisbane the following day as I was with my parents who had a flight booked back to the UK that evening and I had work the following day. Therefore, we were left with no other option but to book another flight, which incurred additional costs for the flight and hotels/taxis etc. Having my flight insured, I was under the impression that I would be able to claim back the additional costs incurred or at least receive some compensation - after all, this is why you book insurance - to cover you for times like these. I made a claim to Chubb and they responded stating that I was not covered and entitled to receive any money for these costs - I could only claim back the cost of my original flight (which was of course already refunded by the airline therefore not applicable).
This left me wondering what is the point in travel insurance is if it doesn't cover something as BASIC as a flight being cancelled by the airline and, as a result, having to book an alternative mode of transport as a suitable alternative was NOT offered?
Chubb is a complete scam and waste of time and money. I am now left out of pocket.
This flight cancellation was a result of a circumstance beyond my control, therefore I can not understand why insurance would not cover this. Chubb stated that they looked into refunding me due to my need to return to Brisbane but I was told that my reasons for needing to get home were not important enough to be considered for a claim! Earning a living and keeping my job clearly isn't important to Chubb - I guess they have already taken my money!!
The cancellation in itself caused significant stress, with my family and I left with no alternative option from TigerAir to enable them to catch their pre-booked and paid-for flight back to the UK, and for me to attend pre-arranged commitments integral to keeping my employment, and my livelihood. Now in addition to this stress, I have been left with a significant bill.
According to the Chubb website:
"Travel insurance from Chubb provides you with cover for risks including medical expenses overseas, Cancellation expenses and additional trip expenses due to various circumstances outside your control"
Their poor response completely contradicts the above declaration.
I will never use Chubb in the future and would not recommend this abysmal service to anyone in the future - a complete waste of money.
Chubb rates Zero for accurate information
I also have American Express cards in Australia with Travel Insurance from CHUBB. I decided to look into it. What a garbage company is Chubb. Going to USA to ski, I asked a question & the phone rep tells me can ONLY ski on groomed runs, even within the resort boundary. Totally impractical as NA resorts are so large it is physically Impossible to " groom" every run, plus skiers look for untracted powder runs!
The kicker though IS: Nowhere in the policy wording does it say or list THIS... I point this out to the agent, they respond that its in their paid Policy??? But not listed in the Amex Policy, I tell them they can't do that . I FILE a Complaint with them & also with the new financial ombudsmen.
Don't put up with this crap from these ripoff, ill informed companies.. File multiple complaints.
Worst of the worst Insurance
They closed the claims without final resolution, I tried to call the customer service and the operator cannot explain more further for my inquiries, so I demanded to speak to a supervisor or manager of the team but he told me that theres no one is available, that sucks. anyway I won't recommend this company to my friends and relatives based on my experience I had with them.
Impossible claim criteria expectation
I have had" gold lease" protection with this company the entire time i have had my novated lease.
What a scam! My husband has just been diagnosed with terminal cancer and only a short life expectancy is given.
He is very ill, having had radiation and starting chemotherapy next week and i have taken time off work ( long service leave for a month,then without pay for 6 mths or so) thanks to very supportive employer.
I thought my novated lease payments was the one certainty i had in regards to the myriad insurance policies one has to decipher through when ( if) a life changing event occurs as i had "protection" if my employment situation changed.
In order to receive ANY assistance from the " award" winning company, i have to resign from my job permanently, relinquish my vehicle to my lender and if, just if, my chubb lease protection policy may give me UP to 5k on the sold price.
So to put it simply,
I resign from my job and am unemployed before and after my husband dies, left without a vehicle to transport him to his drs appts and chemotherapy sessions and and then remain without a vehicle myself and as i live 10 kms out of time in a country town with limited transport, this is the acceptable conditions of the policy!
Paid money for absolutely nothing, it may be in the small print so to speak, the conditions these money hungry businesses hide under, but it is not just, moral nor fair! People take insurance out as security. I suggest that the small print component that gets missed by the masses, is actually changed to be written in LARGE print and put on the front page where it can be clearly seen and understood before we small fry, take out a policy. I am sure we would not be taken as the fools we are as the way it stands now!
So chubb, you" award" winning company, thaanks for making a devastatingly sad situation that much harder. I am totally disillillusioned by the entire insurance agency mentality as i try to navigate through this life changing and sudden event thrust upon us.
I honestly do not know who creates these conditions set up to make impossible claim criteria, no wonder insurance companies are looked on in society as pariahs! I tried to make a claim, on genuine grounds, however did not meet the drastic condition criteria as it was impossible in our situation to be left permanently unemployed ( i am 55 , do not qualify for any pension nor access to my super) and without a vehicle. How is this acceptable?
Give this " award" winner a miss. The only gong it gets is for coming first for unjustness.
Chubb Travel Insurance - cancellation
We took our travel insurance with Australian Seniors underwitten by Chubb. Used the online option and claim was processed within 4 days. I then found due to a mistake by me during the claim. I had mistakenly left an Invoice off totalling $400 i emailed Chubb with a copy of Invoice and today received confirmation that this extra claim was being processed. Brilliant customer service.
I have chubb insurance as part of my platinum amex - what a waste of money
I have had to make a travel insurance claim after returning from a holiday. The claim is for $400. The reams of paper work and reports that I have had to provide to Chubb is ridiculous. I am paying $1600 for an amex card that is meant to have the best insurance - chubb attached to it . I will never use Chubb again and will be cancelling my amex card. I am a founding amex card member and have been with them for over 40 years!
Do not go near them.
Provided free, with AMEX platinium , not worth the paper its written on
No cover for laptop or any valuables that are damaged in your suitcase , eg you camera .
Disappointing that Amex are providing such an inferior policy to their Platinum customers.
Doesn't pay out
Tiger cancelled our flight one hour before departure because of "engineering difficulties". They could only offer a replacement flight two days later. When we chose not to take this offer, they refunded the one way basic flight (but not what we paid for checked in baggage). Chubb Insurance did not pay what we had paid for checked in baggage & nothing for the replacement flight on another carrier. Their reason? Because our policy only covered cancelled flights due to industrial disputes. Waste of money.
Very stressful due to lack of feedback
My wife had a medical emergency in Honolulu. Taken to hospital and we had to cancel the rest of our holiday onto the US. Assist were there and took details. Wanted medical records up front before they would proceed. Very disappointed in their attitude. Paid for a month and only used 8 days of insurance. Claimed our airline ticket expenses and hotel overstay. Wrote to them 13 times requesting information and offering any thing else they needed. Got sick of writing with no response. Made a complaint and received a reply from the Sydney office offering help. Next afternoon our personal expenses were paid into our bank account. We are very grateful for this but they need to give clients a direct contact to deal with personal matters.
I am still chasing them for a response on our ambulance bill and miscellaneous medical expenses. I need to know that these are being paid as I do not want to be red flagged for unpaid debts in the US when and if we travel again. All they need to do to improve their dead system is to appoint each client with an Australian contact case manager. Instead they deliberately keep you in the dark until you become so frustrated you want to go down and confront them in their office.
Unless they improve drastically in their transparency and treat clients with respect, I will be reviewing my insurance provider for future travel. Bought the policy as Part of American Express Travel Insurance. They were not interested in helping us at all even though we have been members since 1981. I will also be reviewing my American express membership. Sold under their banner and denied any help whatsoever.
Travel insurance 2 seniors, 1 off travel insurance - overseas
Aust Medical Assist Line, very helpful.
Chubb insurance process, long winded and difficult claims dept personnel.
Despite the constant promise of the re-imbursement money going in the bank, it never happened according to their promises.
Everyday, some excuse !!!
Very rarely returned calls when messages left.
On my experience - I would recommend - DO NOT DEAL with these people.
p.s. from date of injury till receipt of payment approx 2 months, Not good enough Chubb!!!
chubb travel insurance
I tried to make a small claim for $150 because i had to claim some medical expenses. They have an excess of $100, so i would only get $50 back - ok. However it too almost an hour to fill out their online form because it was very buggy, and in the end I uploaded the doctors receipt and the whole system crashed. I believe they do this to make claiming difficult so people give up.
Read the PDS before you purchase (tired advice but still valid)
I bought tickets on the Cathay Pacific site. They promote Chubb as their insurer of choice, so I went along with that. Hey, if they are recommended by a well-know airline wouldn't you think they'd be good? Only afterwards did I read the small print on cathaypacific.com/cx/en_AU/latest-offers/travel-insurance/introduction.html. It says:
Terms, conditions and exclusions apply (please check the PDS for full details). For example, there is no cover for:
1 Transport Provider delays, cancellation or rescheduling (unless it is as a result of a strike of which there had been no warning prior to the Issue Date).
2 Loss cause by Pre-existing Medical Conditions.
3 Loss or theft which is not reported to the police or responsible Transport Provider within twenty-four (24) hours.
4 Costs or expenses incurred outside the Period of Insurance.
Exclusions 2,3 and 4 are reasonable, but read exclusion 1 again. My take on that is that if Cathay Pacific cancels or reschedules then Chubb does not have to pay me a penny.
In the event, Cathay Pacific's on-line system stuffed up the insurance purchase and their system charged me only for the tickets not for the insurance. I made a resolution to not buy from their web site again, and to buy new insurance from someone other then Chubb.
Save your money and time!
Terrible insurance. I travel with Tiger and because they are famous for flight cancellation I decided to purchased the insurance. At the end my flight was cancelled and I was offered a ticket two days after. Due to work reason I had to be back in Melbourne the day after so I had to purchase a new ticket with Jetstar for $360. I made a claim to Chubb and after 1 month they told me I will not receive any money back for the following reasons:
Section 1 Cancellation/Amendment of Tigerair Ticket
We will pay under Section 1:
Cover under Section 1 begins from the date of issue of Your Policy. If, following the date of issue of Your Policy, Your Journey is cancelled, curtailed or unable to be completed due to any unforeseen circumstances outside Your control, We will pay You the non-refundable unused portion of Your domestic Tigerair travel ticket, or the reasonable costs of re-scheduling Your Tigerair travel ticket, if you are unable to travel on Your original departure date due to unforeseeable circumstances outside Your control.
We will not pay under Section 1:
For loss caused by or arising from:
2. Transport Provider delays, cancellation or rescheduling (unless it is as a result of a strike of which there had been no warning prior to the Issue Date);
We would also like to draw your attention to the following section of your Policy Wording:
Section 4 Missed Connection Special Events
We will pay under Section 4:
If during the Period of Insurance and while on a Journey or on a One Way Trip, Your Journey or One Way Trip is delayed due to an unforeseeable circumstance outside Your control, resulting in You being unable to arrive in time to attend a wedding, funeral, pre-paid conference or pre-paid commercial sporting event or 25th or 50th wedding anniversary, which cannot be delayed due to Your late arrival, We will pay You for the reasonable additional cost of using alternative public transport to arrive at Your destination on time, up to the maximum amount specified in the Summary of Benefits Table.
This is so bad. It is better spend more money and fly with Virgin or Qantas which are much better company. Don't waste your money with Tiger and Chubb Insurance.
Life insurance joke
After paying life insurance forever, my father planned to support his wife after he passed.
However, Chubb has NOT made the process easy for my elderly mother. (81)
At least 5 contacts, "we will call you back today"... never happened.
The payment is now in the mail... only after the ombudsmen was mentioned!
A joke... holding on to claims as long as they can. Seek insurance elsewhere. Especially for the elderly
We used the Travel Insurance offered by American Express which is handled by Chubb (you must purchase your tickets with the Amex card). We had all the necessary documents ie proof of ownership, costs, Police report etc for a theft. The whole process was done online and was very easy. Correspondence via email was quick and so was payout (less the $250 excess). A very pleasing experience.
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