Chubb European Group SE
Chubb Assurance Voyage
Chubb Assurance Voyage is a travel insurance for the France market with online purchase and 24/7 assistance.
Direct payment
For the Essentiel, Prestige and Premium formulas, Chubb Assistance directly contacts the hospital and treating physicians abroad and can settle their fees up to the policy's guarantee limits, so the insured does not have to pay out of pocket.
Geographic scope
Worldwide
Chubb travel insurance covers all destinations worldwide for the trip duration, subject to policy exclusions.
Unique selling points
- Chubb Assistance can directly settle hospital and doctor bills abroad up to policy limits, so insureds under Essentiel, Prestige and Premium don't need to pay out of pocket.
- Repatriation to France can be arranged via air or road ambulance when urgent, specialized care is required, not just standard transport.
- The Premium formula covers unlimited trips for a full year, each up to 30 consecutive days, within an overall 182-day annual cap.
- Coverage is fully customizable online: travelers can freely choose their guarantees, number of accompanying travelers, destination and trip length.
- A 24/7 emergency assistance phone line staffed by experienced personnel provides immediate support wherever and whenever needed.
Coverage limits
Medical expenses
Covered
No limit stated
Section I of the policy covers medically necessary treatment costs incurred abroad; this guarantee is part of the Essentiel, Prestige and Premium formulas, but the exact monetary limit is stated only in the per-policy Certificat d'Assurance/benefits table, which was not retrievable as text.
Emergency medical treatment
Covered
No limit stated
Chubb Assistance provides emergency medical and referral services abroad including contacting doctors, hospitals and clinics; the numeric limit is in the Tableau des Montants de Garanties which could not be extracted.
Hospitalization
Covered
No limit stated
If admitted to hospital abroad, Chubb Assistance contacts the hospital and treating physicians and can settle their fees directly up to the contract's guarantee limits.
Outpatient treatment
Covered
No limit stated
Outpatient medical costs abroad fall under the general Frais Médicaux section; no separate sub-limit was found in the retrievable text.
Emergency dental care
Covered
No limit stated
The general conditions list 'Soins dentaires d'urgence' (item D) as a covered benefit under the medical section; the exact cap could not be extracted from the source text.
Medical transport / hospital transfer
Covered
No limit stated
The policy covers transferring the insured from one hospital to another abroad if medically necessary, under the emergency repatriation costs section.
Medical evacuation
Covered
No limit stated
Covers being repatriated to France if the Chubb Assistance-appointed physician considers it preferable, using standard transport or air/road ambulance if urgent specialized care is needed.
Repatriation of mortal remains/ashes
Covered
No limit stated
The general conditions cover costs of repatriating the insured's body or ashes to France in case of death abroad; the numeric cap could not be extracted from the source text.
Search & rescue
€20,000
Chubb Assistance (Chubb European Group SE, France) IPID states: Frais de recherche et de secours : 20 000 €/événement, contactable via Chubb Assistance. Other Chubb France travel notices (Notice d'Information Assurances et Assistance Voyage) confirm that search and rescue in high mountains abroad is covered under Chubb Assistance services, with a separate note for winter sports rescue costs incurred in France referred to a specific section.
COVID-19 treatment
No limit stated
The general conditions list a physician-diagnosed epidemic or pandemic (e.g. COVID-19) among the defined serious-illness circumstances used elsewhere in the contract, but the source text is too fragmentary to confirm whether this operates as a covered trigger or an exclusion for medical-expense claims specifically.
Pre-existing conditions
Excluded
No medical exam is required to purchase the policy, but the exclusion for pre-existing medical conditions applies.
Winter sports cover
Optional
Insureds can subscribe to the 'Sports d'hiver' option to benefit from the guarantees of the Chubb travel insurance contract plus guarantees specific to winter sports practice.
Adventure/leisure sports cover
Optional
Insureds can subscribe to the 'Loisirs Sportifs' option to benefit from guarantees specific to sporting activities during their trip.
Pregnancy complications
Conditional
Emergency costs from pregnancy complications are covered only when such complications are diagnosed by a physician specialized in obstetrics.
Personal liability
Not established from the insurer's documents
Chubb's French travel insurance offers (Essentiel/Prestige/Premium) advertise personal liability coverage up to 1,000,000 €, described as a strong point of the product compared to some competitors.
Legal assistance
Covered
No limit stated
The general conditions include a Legal Costs (Frais Juridiques) guarantee, subject to reasonable grounds for the claim; the numeric limit could not be extracted from the source text.
24/7 assistance
Covered
Chubb provides a 24/7 emergency assistance phone line staffed by experienced personnel, reachable at +33 01 80 20 11 00.
Key conditions
Assistance call deadline
The reviewed sources do not specify a strict deadline by which Chubb Assistance must be contacted after a medical event.
Unauthorized treatment
The reviewed sources do not state a specific penalty for obtaining treatment without prior authorization from Chubb Assistance.
Purchase while abroad
Chubb travel insurance may be purchased by any person domiciled in France; the sources do not confirm whether it can be purchased once already abroad.
Chronic conditions
No medical exam is required, but the exclusion for pre-existing medical conditions, which can include chronic diseases, applies.
Pregnancy
Pregnancy-related emergency costs are covered only when complications are diagnosed by a physician specialized in obstetrics.
Pre-existing condition exclusions
No medical exam is required to subscribe, but the pre-existing condition exclusion will apply to claims.
Coverage duration limit
The Premium formula covers all trips up to 30 consecutive days per trip over a full year, within an overall limit of 182 days per year; duration limits for Essentiel and Prestige were not specified in the sources reviewed.
Where to buy
Policy specifics
Direct medical bill settlement
For Essentiel and higher tiers, Chubb Assistance directly settles hospital and medical bills abroad up to policy limits, allowing insured not to pay out-of-pocket
SourceMedical repatriation to France
Covers cost of repatriation to France if physician deems it necessary, including air ambulance or road ambulance transport if urgent/specialized care required
SourcePersonal effects and baggage protection
Essentiel includes protection for personal effects (baggage, belongings) during travel
SourceDeductible (Franchise)
€50 deductible per person per section applies; for cancellation section specifically, 10% of claim amount with minimum €50 deductible
SourcePreexisting condition exclusion
Medical conditions existing before purchase are excluded unless waiver obtained; no medical exam required but exclusion applies
SourceMinimum travel distance/overnight requirement
Domestic travel within France must be either 50+ km from permanent residence (excluding commutes) or include at least one pre-booked overnight stay
SourceWorldwide coverage
Chubb travel insurance covers all destinations worldwide for the trip duration, subject to policy exclusions
SourceEpidemic/Pandemic exclusion
Exclusion for diagnosis of epidemic or pandemic (including COVID-19) as defined by government or WHO; must be physician-diagnosed
SourceValid cancellation reasons
Cancellation covered only for unforeseen, unavoidable reasons: death, serious injury/illness, sudden/serious illness, pregnancy complications (specialist-confirmed), or medical quarantine order
SourceEpidemic/pandemic as a recognized medical circumstance
The general conditions list a physician-diagnosed epidemic or pandemic (as defined by a government or the WHO, e.g. COVID-19) alongside death, serious injury, sudden/serious illness, pregnancy complications and medical quarantine, within a lettered list of defined circumstances used across the contract; the fragmentary source text does not allow confirming whether, in context, this item operates as a covered trigger or as an exclusion for a specific section.
SourceSources
- https://fr.chubbtravelinsurance.com/cti/fr-fr/home.html
- https://fr.chubbtravelinsurance.com/cti/fr-fr/home/en-savoir-plus/nos-produits/geographique-de-mon-assurance-voyage-Chubb.html
- https://fr.chubbtravelinsurance.com/cti/fr-fr/home/help/faqs.html
- https://hellosafe.fr/assurance-voyage/chubb
- https://www.altitude1750.com/assurances.pdf