Chubb European Group SE (Irish Branch)
Chubb
Chubb is a travel insurance for the Ireland market with online purchase and 24/7 assistance.
Direct payment
If a Person Insured is admitted to hospital abroad, Chubb Assistance will contact the hospital or attending doctor and guarantee payment of fees up to the policy limit so the Person Insured does not have to pay from their own funds.
Geographic scope
Policyholder selects one of three geographical areas at purchase: Europe (including Russia west of the Urals, Turkey, Morocco and Tunisia); Worldwide excluding USA, Canada and the Caribbean; or Worldwide including USA, Canada and the Caribbean but excluding Cuba.
Cover applies to Holidays that both begin and end in Ireland; travel within Ireland is only covered if it includes at least 2 nights of pre-booked accommodation. Cuba is excluded from all geographical areas.
Unique selling points
- Emergency medical expenses and repatriation are covered up to €5,000,000 per person, among the highest limits in the Irish travel insurance market.
- Chubb Assistance guarantees direct payment of overseas hospital and doctor bills up to the policy limit, so customers do not have to pay upfront from their own funds.
- Customers with existing private medical insurance can select the Healthcover Plus option, which tops up PMI cover to €5,000,000 for medical expenses abroad while reducing the travel insurance premium.
- Policies can be quoted and purchased entirely online in minutes via ie.chubbinsured.com.
- A 24/7 Chubb Assistance emergency medical, referral and repatriation service is available by phone while customers are travelling abroad.
Coverage limits
Medical and Additional Expenses
€5,000,000
Covers reasonable costs medically necessary outside Ireland for hospital, ambulance, surgical or other diagnostic/remedial treatment prescribed by a doctor, including hospital stay charges, up to €5,000,000 per Person Insured. A €90 excess applies per person per claim (waived where a reduction was obtained using an EHIC in EU countries).
Emergency Medical Treatment
€5,000,000
Emergency medical treatment abroad is covered within the overall €5,000,000 Medical and Additional Expenses limit under Section 5 of the policy; a Person Insured must contact Chubb Assistance before incurring costs.
Hospital Benefit (cash allowance)
€400
In addition to actual hospital treatment costs paid under Medical Expenses (up to €5,000,000), a cash Hospital Benefit of €20 is paid for each full 24 hours as an in-patient, up to a maximum of €400 per Holiday.
Outpatient Treatment
€5,000,000
Outpatient medical treatment abroad falls within the overall €5,000,000 Medical and Additional Expenses limit; no separate outpatient sub-limit is stated.
Emergency Dental Treatment
€300
Covers medically necessary and reasonable emergency dental treatment for the relief of pain only, up to €300, while abroad.
Medical Transport
Covered
Emergency Repatriation Expenses (transfer to Ireland or transfer to the most suitable hospital in Ireland) are covered within the overall €5,000,000 Medical and Additional Expenses limit; no separate sub-limit is stated.
Medical Evacuation
Covered
Chubb Assistance arranges and pays for emergency repatriation/evacuation (by scheduled transport, air or road ambulance) where medically necessary, within the overall €5,000,000 Medical and Additional Expenses limit.
Cremation, Burial or Transportation Charges
€10,000
If a Person Insured dies abroad, Chubb pays up to €10,000 for cremation or burial charges in the country of death, or to transport the body or ashes back to Ireland.
Search and Rescue
No limit stated
No search and rescue benefit is referenced anywhere in the policy wording, IPID or benefits table.
Covid-19 Treatment and Quarantine Costs
€3,000
The general communicable-disease exclusion explicitly does not apply to Medical Expenses and Repatriation Expenses claims, so Covid-19 medical treatment is covered within the €5,000,000 medical limit. Additional accommodation/transport costs of up to €3,000 are paid if a Person Insured is ordered to quarantine abroad by a treating doctor, subject to a positive test recognised by the Irish Government.
Pre-Existing Conditions
Excluded
No person insured may be receiving or on a waiting list for treatment, awaiting investigation/referral for any diagnosed or undiagnosed condition, or travelling against medical advice. Claims arising from a medical condition diagnosed before the Holiday was booked, where it could reasonably be expected to cause death, serious injury, sudden illness or a sudden deterioration in health, are excluded.
Optional Winter Sports Extension
€300
Available as a paid add-on (additional premium required and must be shown on the Policy Schedule), covering equipment hire, ski pack, piste closure and avalanche delay up to €300 in total, limited to 21 days per Period of Insurance and excluding competitive winter sports.
Automatically Covered Leisure Activities and Sports
Covered
A long list of recreational activities (e.g. scuba diving to 18m, jet skiing, hiking/trekking up to 1,000m without guides, cycling, horse riding, go-karting, motorcycling up to 125cc) is automatically covered at no extra cost on a non-competitive, recreational basis. Aerial pursuits, competitive sports and hazardous activities not on the list are excluded.
Pregnancy Complications
Conditional
Complications in pregnancy, as diagnosed by a doctor or specialist in obstetrics, are covered within Medical and Additional Expenses (€5,000,000), but if travelling between 28 and 35 weeks pregnant a doctor's written confirmation of fitness to travel (dated no earlier than 5 days before outbound travel) is required. Claims are excluded if due to give birth within 12 weeks of the trip ending.
Personal Liability
€2,500,000
Indemnifies a Person Insured against sums they are legally liable to pay as damages for accidental bodily injury or accidental loss/damage to material property arising out of the Holiday, up to €2,500,000, plus Costs and Expenses. Excludes wilful/malicious acts, use of vehicles/aircraft/watercraft/firearms, and liability to family members or employees.
Overseas Legal Advice & Expenses
€30,000
Covers legal expenses up to €30,000 to pursue a claim for damages/compensation against a third party who caused bodily injury or illness during a Holiday abroad. Claims must be reported within 24 months of the incident.
Chubb Assistance
Covered
Chubb Assistance (+353 (0)1 440 1762) provides medical referral, repatriation arrangement, hospital bill guarantee, drug replacement, message relay, emergency fund transfer, legal help and other personal assistance services for a Person Insured on a Holiday abroad.
Key conditions
Assistance call deadline
A Person Insured must contact Chubb Assistance immediately and before incurring any medical costs abroad; other claims must be notified within 30 days of the incident (or as soon as possible thereafter).
Unauthorized treatment
If Chubb Assistance is not contacted before medical costs are incurred, Chubb may reject the claim or reduce the amount paid; additional travel/hotel expenses not authorised in advance by Chubb Assistance are excluded.
Purchase while abroad
Purchase while already abroad is not available: eligible Holidays must both begin and end in Ireland, and each Person Insured must be a permanent resident of Ireland for at least 180 days per calendar year.
Chronic conditions
No person insured may be receiving or on a waiting list for hospital/nursing home treatment, awaiting investigation, referral or results for any diagnosed or undiagnosed condition, or choosing not to take prescribed medication at the correct dose.
Pregnancy
Pregnancy complications are covered, but travel between 28 and 35 weeks requires a doctor's written fitness-to-travel confirmation dated no earlier than 5 days before departure; cover excludes giving birth within 12 weeks of the trip ending.
Pre-existing condition exclusions
Claims are excluded if they result from a medical condition diagnosed before the Holiday was booked which could reasonably have been expected to cause death, serious injury, sudden illness or sudden deterioration in health.
Coverage duration limit
Single trip policies cover a maximum of 30 consecutive days abroad; annual multi-trip policies cover unlimited trips provided no single trip abroad exceeds 30 days and total days abroad do not exceed 90 days per Period of Insurance, with an optional Winter Sports extension capped at 21 days.
Where to buy
Policy specifics
Trip Cancellation and Additional Expenses
Refund of prepaid trip costs if cancellation due to covered reasons; additional travel and accommodation costs if cancellation necessary
SourcePersonal Property and Baggage Loss
Cover for loss, damage or theft of personal belongings while on trip
SourceWinter Sports Extension
Optional additional cover for winter sports activities; limited to 21 days total per policy period
SourcePersonal Accident
Pays up to €30,000 for death, Loss of Sight, Loss of Limb, or Permanent Total Disability resulting from Bodily Injury sustained during a Holiday; capped at €2,500 if the Person Insured is under 16.
SourceIrish Residency Requirement
All persons insured must be permanently resident in Ireland for minimum 180 days per calendar year
SourceHealth Changes Declaration
Policyholders must notify Chubb if any insured person has health changes after policy purchase
SourceSupply of Evidence and Documentation
Policyholder must supply at own expense information, evidence and receipts including medical certificates signed by licensed practitioner
SourceMaximum Trip Duration
Single trip policies have maximum duration of 31 days; annual multi-trip policies allow maximum 90 days cover within policy period
SourceGeographical Area Selection
Policyholder must select coverage area from: Europe (including Russia west of Urals, Turkey, Morocco, Tunisia); Worldwide excluding USA/Canada/Caribbean; or Worldwide including USA/Canada/Caribbean (excluding Cuba)
SourceTrip Must Begin and End in Ireland
Eligible trips must both commence and terminate in Ireland; trips must also be minimum two days duration within Republic of Ireland
SourceExcess Per Section and Claim
€50 excess applies to each benefit section per person (except Cancellation where excess is 10% of claim, minimum €50). Some versions note €65-€90 excess depending on product variant.
Source