With the spread of coronavirus (COVID-19) being an ongoing situation, Chubb continues to closely monitor guidance issued from leading organisations, including the World Health Organization (WHO) and local authorities. Chubb continues to track the progression of COVID-19 through its travel security and medical assistance partners.
On 11 March 2020, the WHO declared COVID-19 a pandemic and expressed concerns about the alarming levels of spread and the severity. In response, most countries issued, and continue to impose, border closures, travel bans and/or travel warnings prohibiting and/or restricting travel.
Chubb continues to monitor and consider government advice and other public reporting of this situation, in order to assess policy coverage. On 18 March 2020, Smartraveller (provided by the Australian Department of Foreign Affairs and Trade), issued a ‘do not travel’ advice to all Australians, being the highest advice level (level 4 of 4), which continues to be in force. Australians are restricted from travelling overseas indefinitely, with limited exemptions.
If a travel cancellation or disruption loss does occur, we recommend first considering if:
However, if the customer is unable to recover from the travel agent or travel provider and is insured under a Chubb Business Travel policy, then we encourage the customer to submit a claim for consideration. Please ensure that the following information is submitted with the claim:
We will assess all claims based on their individual circumstances.
We encourage our customers to submit a claim for consideration as each claim received by Chubb will be investigated and assessed in accordance with the terms, conditions, exclusions and limits of the policy.
Declared “foreseen circumstance”
There is no cover for trip cancellation or disruption if the policy was purchased after the customer became aware of circumstances which could lead to the cancellation or disruption of the trip (a “foreseen circumstance”).
In relation to travel outside of Australia, Chubb considers COVID-19 to be a “foreseen circumstance” for policies issued and/or travel arrangements under an existing policy that are paid for where travelling to the following areas and after the following dates:
In relation to Australian domestic travel, Chubb notes that COVID-19 was declared a pandemic on 11 March 2020, and continues to be deemed one. Subsequent events such as domestic and localised border closures and COVID-19 outbreaks in different states, territories and even in neighbourhoods including specific buildings attest to the ongoing risk of COVID-19 outbreaks. In these circumstances, the potential impact of the ongoing COVID-19 situation has been known since at least 11 March 2020 and therefore remains a “foreseen circumstance”.
Therefore, where a policy was issued and/or travel arrangements are paid for after the above dates, COVID-19 is considered a “foreseen circumstance” and as such claims for trip cancellation or disruption are unlikely to be covered by the policy. As such, please ensure that you or your client consider this prior to making any travel arrangements or purchasing a policy.
We are monitoring the roll-out and success of the vaccination program around the world. In the meantime, we note the Australian Government is maintaining its ‘do not travel overseas’ advice, and domestic travel continues to be affected by local outbreaks. It is still uncertain when COVID-19 will be contained to the point where the risk of further outbreak is no longer a foreseen circumstance. We also note the risk of further outbreak is likely to continue even after government travel restrictions are lifted and if there are no local outbreaks – meaning that claims for trip cancellation and disruption will remain a “foreseen circumstance” (and so not covered under the policy) even in those circumstances.
Once the risk of a COVID-19 outbreak ceases to be a foreseen circumstance, but a customer still does not wish to travel, then Chubb may consider any cancellation of this travel to be a disinclination to travel which is not covered under the policy.
Please check your policy wording for full terms, conditions and exclusions.
Directors and executives private travel:
Chubb currently excludes cover for any loss, damage, liability, event, bodily injury or sickness directly or indirectly arising from, relating to or in any way connected with COVID-19 where a covered person undertakes directors and/or executives private travel under the Chubb Business Travel policy.
We encourage our customers to submit a claim for consideration as each claim received by Chubb will be investigated and assessed in accordance with the terms, conditions, exclusions and limits of the policy. We are monitoring the situation regularly and will revise our position as needed.
If a customer requires emergency assistance during the trip, please contact Chubb Assistance on:
Business Travel policyholders +61 2 8907 5995
Cover is subject to the terms, conditions, limits and exclusions of the Chubb Business Travel Policy. Any advice provided is general advice only and does not consider your objectives, financial situation or needs of any person. Please read and consider the relevant Product Disclosure Statement (PDS) before you make any decisions about this product and if it is right for you.