Frequently Asked Questions

Single Trip:

You can purchase up to 365 days before your journey commences. Cover for Trip Cancellation and Amendment Cover is provided from the issue date (the date we agree to provide insurance) until the end of your period of insurance, as stated on your certificate of insurance.

All other cover starts from the start date (the date your journey begins) and continues until the end of your period of insurance.

You have fourteen (14) days from the time you are issued your certificate of insurance that you are covered under your policy to decide if this insurance meets your needs. You may cancel it within the fourteen (14) days cooling-off period. You will receive a full refund of the premium you paid, provided:

1. you haven’t started your trip; or
2. you haven’t made a claim; or
3. you don’t want to make a claim or exercise any other right under the policy.

If you request to cancel your policy outside the cooling-off period, we may:

1. refund any unused proportion of your premium (from the date the refund request was received until the end date on your certificate of insurance); and
2. minus any administration fee;

provided that you have not started your trip, made or submitted a claim and/or intend to make a claim or exercise any other right under your policy.

This policy does not cover any pre-existing medical conditions. If you have pre-existing medical conditions, this cover may not be right for you. Before you purchase a policy, you should consider whether a medical condition is considered pre-existing based on within this policy.

Yes – the maximum journey period is 90 consecutive days.

Chubb Assistance is a 24 hour emergency help line. In the event of a medical or similar emergency overseas, you simply call (reverse charge) the number shown on the card (+64 9 374 1774) and Chubb Assistance will assist in locating immediate assistance or vital services in your area.

We support you with emergency advice and assistance services 24 hours a day, seven days a week for medical or other emergencies covered by the policy. Our international resources and global network of skilled medical and travel specialists will be there for you in the event of an overseas emergency, giving you the help and support you need, when and where you need it.

In the event of a medical or similar emergency, simply call our emergency response team on +64 9 374 1774 to get immediate assistance and help accessing vital services in your local area where covered by the policy.

If during the period of insurance and whilst you are on an overseas trip, you or another adult traveller suffer an accidental injury that results in death within twelve (12) months of the date of the accidental injury, we will pay the estate the applicable benefit amount up to the maximum relevant cover section limit inclusive of sub-limits.

This benefit is not available for domestic trips within New Zealand. Please refer to the policy wording.

If you are pregnant, you are covered for claims that arise from your pregnancy, under:

1. Overseas medical emergency expenses cover when you are on an overseas return trip, if:
         a. you have a Medical Emergency from an injury or illness; and
               i. occurs before the end of the 23rd week of your pregnancy; and
               ii. is not otherwise excluded within the policy
2. Trip cancellation and amendment cover; if you have an injury or unforeseen illness arising from or relating to your pregnancy that occurs before the end of the 23rd week of Your pregnancy, and which:
         a. a treating doctor confirms that it prevents you from going on the trip or continuing the trip, and
         b. is not otherwise excluded within the policy.