CHI Travel Insurance

The amount of information we now have access to means making travel arrangements is a lot easier than it used to be. There's no shortage of travel advice websites and travel blogs sharing insider travel tips and advice, along with information on what travellers can expect in any number of global destinations. But having access to this information does not replace the need for travel insurance, since no two travel experiences are the same, and there is no way of predicting when - or if - you may need travel insurance. Travel insurance isn't about being overly cautious, but rather about being able to enjoy your holiday without worrying about the potential cost of any accidents or serious illness.

CHI Travel Insurance Pty Ltd specialises in worldwide travel insurance for Australian residents travelling internationally or domestically. CHI provide travel insurance for non-residents of Australia travelling to and within Australia. CHI has been in the business of providing quality travel insurance products to Australians for over thirty years.

The CHI policy range let you choose the level of cover you want, whether that is low cost Medical only cover, Comprehensive cover – or a BASIC cover which has all the benefits of the Comprehensive range, at lower limits and lower premiums.

Travel Insurance Products Offered by CHI

  • International Travel Cover - Variable cover for you and your family for any international trips, which would include any cruises that venture into international waters. Medicare and private health insurance usually don't cover medical costs incurred on a cruise, even if the cruise ship never leaves Australian waters. This cover is available with four different levels of cover: Top Plus, Top, Mid, and Basic.

  • Frequent Traveller Cover - If you travel more than once a year, either locally or internationally, Frequent Traveller Cover saves you the hassle of having to take out travel cover each time. The benefits are similar to that of International or Australia Only cover, but are accessible regardless of how many trips you make in a single 12-month period. This cover is available in three options: Top Plus, Mid, and Basic.

  • Australia Only Travel Cover - Even travelling within Australia is not without risk, since your luggage can still be misplaced, parts of your trip delayed, or you could even be faced with a travel service provider being declared insolvent. This cover is only available as Mid or Basic.

  • Non-Resident Travel Cover - If you're not a resident of Australia, but will be visiting for a short or extended stay, the Non-Resident Travel Cover offers benefits that protect you against most travel mishaps and medical expenses. Like the Australia Only cover, it is only available as Mid or Basic.

    Non-Medical Travel Cover - This travel insurance product is not currently offered by travelinsurance.com.au

Comparing the Benefits of CHIs Travel Insurance Products

BenefitInternationalFrequent TravellerAustralia OnlyNon-Resident
Cancellation Fees & Lost Depositsunlimitedunlimited$10,000$10,000
Travel Services Provider Insolvency$10,000$10,000$10,000
Overseas Emergency Medical Assistance/ Evacuationunlimitedunlimitedunlimited
Overseas Emergency Medical & Hospital Expensesunlimitedunlimitedunlimited
Additional Expenses$50,000$50,000$50,000$50,000
Hospital Cash Allowance$5,000$5,000$5,000
Accidental Death$25,000$25,000$25,000$25,000
Permanent Disability$25,000$25,000$25,000
Loss of Income$10,400$10,400
Travel Documents, Transaction Cards & Travellers Cheques$5,000$5,000$5,000
Theft of Cash, Bank Notes, Currency Notes, Postal Orders or Money Orders$250$250
Luggage & Personal Effects$8,000$8,000$8,000$8,000
Luggage & Personal Effects Delay Expenses$500$500$250
Travel Delay Expenses$2,000$2,000$2,000$2,000
Alternative Transport Expenses$5,000$5,000$5,000
Personal Liability$5 million$5 million$5 million$5 million
Rental Vehicle Insurance Excess/Return of Rental Vehicle$3,000$3,000$3,000$3,000

The benefit limits shown in the table are for illustration purposes only, and apply to Top Plus International, Top Plus Frequent Traveller, Mid Australia Only, and Mid Non-Resident cover for a single traveller only. Different benefit limits will apply for other levels of cover, and for couples and families travelling together. For some benefits, sub-limits will apply, and these will be covered in the Product Disclosure Statement (PDS) .

Important Conditions Relating to all CHI Travel Insurance Products

International Travel Cover
  • All levels of International Travel Cover are only available to residents of Australia who purchase a policy before departing.

  • It is also available for temporary residents of Australia, but with specific conditions attached.

  • International trips must start and end in Australia.

  • Travellers only purchasing an International policy after they have already departed Australia will be subject to a 48-hour waiting period before cover applies. Cover for pre-existing conditions will also be limited under these circumstances.

  • There is no age limit for any level of International cover aside from Budget International cover, which is only available to travellers aged 74 years and under.

  • Cover ends once a traveller has returned to Australia, or the period of insurance expires, whichever occurs first.

Frequent Traveller Cover
  • All levels of Frequent Traveller Cover are only available to residents of Australia who purchase a policy before departing.

  • International trips must start and end in Australia.

  • Frequent Traveller Cover is only available for travellers aged 74 years and under.

  • Cover for trips within Australia only applies when travelling at least 100km from your home.

Australia Only Cover
  • All levels of Australia Only Cover are only available to residents of Australia who purchase a policy before departing.

  • It is also available for temporary residents of Australia, but with specific conditions attached.

  • There is no age limit for any level of Australia Only cover.

  • Cover only applies while you are travelling in Australia.

  • Cover ends once a traveller has returned to their home, where they intend residing in Australia, or the period of insurance expires, whichever occurs first.

Non-Resident Cover
  • All levels of Non-Resident Cover are only available to travellers who are not residents of Australia who purchase a policy before arriving in the country.

  • Travellers must be travelling to, within, and from Australia, and must not be entitled to Medicare benefits or from a country that has a Reciprocal Health Care Agreement with Australia.

  • Non-Resident Cover is only available for travellers aged 85 years and under.

  • Cover only applies while you are travelling in Australia.

  • Non-Resident Cover is not available for travellers visiting multiple countries if the time they spend in any other country exceeds the time they spend in Australia.

  • Cover ends once a traveller has returned to their home, or the period of insurance expires, whichever occurs first.

Exclusions That Apply to all CHI Travel Insurance Products

  • Claims in respect of any part of a trip when you know you are unfit to travel, travel against medical advice, travel specifically to obtain medical treatment, or you arrange to travel when you are aware of circumstances that could lead to your travel being disrupted or cancelled.

  • Claims in any way connected with any pre-existing medical condition of any person including you, your travelling companion, or a relative unless you meet the requirements for automatic cover for some pre-existing medical conditions, or the insurer has agreed - in writing - to cover other pre-existing conditions disclosed by you, your travelling companion, or relative.

  • Claims relating to a motorcycle, moped, or scooter accident when the driver is not licensed to operate such a vehicle, or does not have an International Driving Permit (IDP) when required.

  • Claims relating to a natural disaster, an epidemic, war, or strikes and riots, where a travel advisory was in place for any of these before you departed.

  • Claims relating to reckless behaviour, or the use of drugs and/or alcohol.

  • Claims relating to pregnancy, except in cases of a single, uncomplicated pregnancy up to 23 weeks, or the insurer has agreed in writing to provide cover.

  • Claims relating to cancelled or delayed travel that is the result of the insolvency of a travel agent, tour operator, or booking agent.

These are just some of the general exclusions in place for CHI Travel Insurance, but others, including exclusions relating to specific benefits, are all listed in the CHI Travel Insurance PDS.

Travel Alerts and CHI Travel Insurance

The Smartraveller website has advisories in place for most destinations around the globe, these include statements such as:

  • Exercise normal safety precautions

  • High degree of caution

  • Reconsider your need to travel

  • Do not travel

Travelling to any destination with an advisory other than "Exercise normal safety precautions" could see you not being covered by travel insurance or having a reduced level of cover. CHI also posts separate travel advisories related to specific instances of violence, terror attacks, and natural disasters, including earthquakes and volcanic eruptions, and you are advised to make yourself aware of these, and how they could impact your cover and/or travel plans.

CHI Travel Cover for Pre-Existing Medical Conditions

Cover for pre-existing medical conditions is not available on any Non-Resident plans. For all other plans a limited number of pre-existing medical conditions are automatically covered if certain criteria are met. These medical conditions - and the requirements for each - are listed in full in the CHI Travel Insurance PDS. You should always disclose any pre-existing medical conditions you or your travelling companions have, even if they qualify for automatic cover. For pre-existing medical conditions not listed in the PDS, you may have to undergo a medical assessment to determine if you qualify for cover for these conditions. If you do, you may be asked to pay an additional premium, and you will be notified in writing that you have cover for these pre-existing conditions. If you do not disclose pre-existing medical conditions, or are denied cover for them, you will not be able to make any claims for expenses relating to these pre-existing medical conditions, though you will still be covered for other non-medical claims.

Claims Excess for CHI Travel Insurance Products

For many claims, the first $150 will not be paid by CHI Travel Insurance, and counts as the excess you are responsible for. Some types of claims are exempt from any excess, while others, such as medical claims, may attract a higher excess, which you will be notified about. CHI Travel Insurance allows you to pay a higher premium to cancel out any excess, or to opt for a higher excess in return for a lower premium.

Cooling Off Period for CHI Travel Insurance Products

You can cancel your CHI Travel Insurance policy and receive a full refund of your premium for up to 14 days after the Certificate of Insurance is issued and provided you have not yet departed on your trip. You can also cancel the policy after the 14-day period has passed, but you will not qualify for a refund.

CHI Travel Insurance Claims Process

CHI Travel Insurance is underwritten by Allianz Australia Insurance Limited, so all claims need to be submitted via Allianz Global Assistance. Claims can be lodged online at any time via the https://www.travelclaims.com.au/ website. In order to start the claims process, you will need:

  • Your policy number and personal details, as listed on your Certificate of Insurance.

  • Relevant supporting documentation for your claim, which might include your travel itinerary, receipts, authorisation letters, flight details, incident/police reports, etc.

  • Your personal bank account details, since claims are paid directly to the insured.

It is better to initiate the claims process as soon as possible, since any delay in doing so, along with a lack of supporting documentation, will impact on how long the claim takes to process, and could also affect the amount payable for the claim. Loss or theft of personal belongings should be reported to the local police as soon as possible, and missing or delayed luggage should be reported to the airline responsible immediately. For emergency assistance, you can contact Allianz Global Assistance telephonically on +61 7 3305 7499 (when calling from outside Australia), or 1300 654 811 from within Australia.

CHI Travel Insurance Contact Details

You can contact CHI Travel Insurance for any queries, customer service issues, claims, or emergency assistance using any of the following details:

UnderwriterAllianz Australia Insurance Limited
Enquiry Number1800 997 810
From Overseas+61 2 9997 4810
Fax+61 2 9979 9310
Claims Number1300 654 811
Claims Emailtravelclaims@allianz-assistance.com.au
Claims Onlinewww.travelclaims.com.au
Emergency Assistance ProviderAllianz Global Assistance
Emergency Contact Number+61 7 3305 7499
Medical Assessments1800 671 826

Our Insurers

  • The QBE Insurance Group is Australia's largest international general insurance & reinsurance group, and one of the top 25 insurers and reinsurers worldwide.

    Claims: 1300 555 017
    View full profile for QBE
  • CHI has been in the business of providing quality products to Australians for over thirty years.

    Claims: 1300 654 811
    View full profile for CHI
  • SureSave is one of Australia’s most innovative and flexible providers. SureSave understands that travel insurance needs to be unique.

    Claims: 1300 625 229
    View full profile for Suresave
  • Aussietravelcover Pty. Ltd. specialises in worldwide travel insurance for Australian residents travelling internationally or domestically.

    Claims: 1300 667 132
    View full profile for ATC

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