Travel Insurance Cover And Exclusions

What’s Not Included In Your Travel Cover

If a loss is caused by, as a result of, or connected to the following, your travel insurance policy from Chubb does not provide cover (and we won’t be able to pay any benefits or indemnify you):

General exclusions:

1. We won’t cover you for a cancellation claim if you don’t get any passports, permits, or visas you’ll need to travel. We also won’t pay if you just don’t want to go.
2. We won’t cover you if you have to cancel your trip or cut it short because laws or regulations change. We also won’t cover you if these laws or regulations mean you now have to pay extra costs.
3. We’ll only pay you if the money isn’t recoverable from any other source, whether you’re successful in getting it back or not.
4. We won’t cover you if you knew there was going to be a strike when you booked your journey. We won’t pay claims if the public transport you were due to travel on was taken out of service by the authorities. We also won’t cover you if you travel against the advice of the authorities.
5. We won’t pay any claims if your doctor has advised you not to travel.
6. We won’t cover any medical treatment abroad if that was the reason for your trip. We also won’t pay for health spas, rehab centres, nursing homes, or homes to help you recover from an operation or illness. This includes all treatment and services they might provide. We also won’t cover any cosmetic surgery.
7. We won’t pay for any medication you started taking before your trip. We also won’t cover any medical treatment in the UK.
8. We won’t pay any extra for accommodation or transport which is better than you originally booked. We also won’t pay extra for you to get a single or private room in hospital. We won’t pay any costs for medical treatment within the UK.
9. We won’t cover your personal possessions if your items are taken by officials like customs or police.
10. We won’t pay for personal possessions if it becomes faulty or stops working without being damaged.
11. We won’t cover anything relating to your business, including equipment, goods, samples, money or tools, unless you’ve bought the business travel extension.
12. We won’t pay claims if you break the law or harm anyone on purpose
13. We won’t pay anything related to taking a tour operator, travel agent, or transport company to court. We won’t cover you if you try to take us or anyone who works for us to court. We also won’t cover you if you want to take your employer, other insurers, or someone else insured on this policy to court. We won’t cover claims against businesses who make, distribute, or supply drugs and medication.
14. We won’t pay any claims caused by you drinking so much alcohol that it significantly affects your judgement. You can drink alcohol on your trip, but we won’t pay any claims relating to you drinking too much. We may ask for a doctor or medical report to confirm this. We also won’t cover you if you take any drugs that are illegal in the country you’re in, abuse medications, or use legal highs.
15. We won’t pay any claims which would cause us to break the law of the UK, EU, or USA. This includes trade and economic sanctions, and UN resolutions. Sanctions, laws, and regulations can prevent us from doing business with or involving certain countries, groups, companies, and people. Call us on 0800 519 9927 for more information, especially if you think you’ll be travelling to an affected country.

Please refer to your policy schedule for the full terms, conditions and exclusions that apply.

Chubb can be contacted on 02071737904 or e-mailed at  chubb.traveluk@Chubb.com.