Available Plans & Coverage
Chubb's core consumer offering is a three-tier single-trip portfolio. Limits vary by home state and destination, but representative figures are:
| Coverage | Travel Basics Plus | Travel Essentials Plus | Travel Choice Plus |
|---|---|---|---|
| Trip Cancellation | Up to 100% of trip cost ($100K max) | Up to 100% ($100K max) | Up to 100% ($100K max) |
| Trip Interruption | Up to 100% ($100K max) | Up to 150% ($150K max) | Up to 150% ($150K max) |
| Missed Connection | — | $250 | $500 |
| Emergency Medical (accident & sickness) | $15,000 | $50,000 | $100,000 |
| Emergency Medical Evacuation | $150,000 | $500,000 | $1,000,000 |
| Baggage / Personal Effects | $750 ($50 deductible) | $1,000 | $2,500* |
| Baggage Delay | $200 | $300 | $500 |
| AD&D | — | Included | Included (higher limit) |
| Rental Car Damage | $35,000 ($250 deductible) | $35,000 | $35,000 |
All three plans include a pre-existing condition waiver if purchased within ~21 days of the initial trip deposit.
- The annual Travel365 plans bundle the same benefit categories (medical, evacuation, cancellation/interruption/delay, missed connection, baggage, plus security evacuation for political unrest) across three tiers for travelers who take multiple trips per year.
- Optional add-ons include flight accident and additional evacuation coverage.
- Notable exclusions: pregnancy, high-risk/extreme activities, war, mental health conditions, and open-ended tickets.
Financial Strength
This is Chubb's strongest selling point. Chubb Limited and its subsidiaries (including underwriter ACE American Insurance Company) hold:
- AM Best: A++ (Superior) — the highest rating tier, affirmed most recently in December 2024
- DBRS Morningstar: AA
AM Best cites Chubb's "strongest" balance-sheet assessment, very strong operating performance, and favorable business profile. For travelers, this means very high confidence that claims will be paid.
Pricing
Quoted per trip based on state, age, trip cost, and dates. A representative example (1-week Mexico trip, ~$1,500 trip cost) prices as:
- Travel Basics Plus: ~$103
- Travel Essentials Plus: ~$130
- Travel Choice Plus: ~$190
That's roughly 7–13% of trip cost, in line with industry norms. Quotes require State, Age, and Coverage Start Date via the online form.
Reputation & Customer Support
- Brand & ratings: Chubb is well-regarded by analysts (NerdWallet, U.S. News) primarily for its financial strength, generous medical/evacuation limits on upper tiers, and the standard pre-existing condition waiver. Common criticisms: lower-tier medical limits ($15K on Basics) are modest, and coverage/pricing variability by state can make comparison harder.
- Claims: Online claims portal at ctiusa.chubbtravelinsurance.com with step-by-step guidance.
- Support / 24-7 assistance: 844-825-2264 (US) or 585-939-7468 (international), 8 AM–8 PM ET Mon–Fri; press Option 1 for the 24/7 AXA assistance team for emergencies. (Some single-trip materials list 855-327-1414 US / 630-694-9764 international — confirm the number on your specific policy.)
Bottom line: Chubb is a financially rock-solid (A++) option best suited to travelers who want strong emergency medical and evacuation coverage and value a pre-existing condition waiver. Budget travelers should be aware the entry-level Basics Plus medical limit is low; the Essentials or Choice tiers are the stronger value for international trips.
- A++ (Superior) financial strength from AM Best
- Three single-trip plans plus annual multi-trip options
- Emergency medical up to $100K and evacuation up to $1M
- Trip cancellation up to 100% of trip cost and trip interruption up to 150%
- 24/7 multilingual assistance