Travel 365 Employee Benefits FAQ
Table of Contents
Product & Benefits Overview
1. What is Travel 365? What are the key benefits of the Travel 365 plan?
Travel 365 is an annual travel insurance plan that has been designed to help you travel with more confidence—wherever your journey takes you. Travel 365 provides solutions for the "what ifs" of modern travel, from trip delays and cancellations to lost or delayed baggage and medical expenses that arise while traveling. Our plan also includes travel assistance services, offering policyholders 24/7 access to our Chubb Travel Assistance experts to help them navigate travel and medical emergencies. For additional details on these travel assistance services, see question #13 below.
Key Benefits of Travel 365
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Comprehensive:
- You have insurance protection 24 hours a day, 365 days a year while traveling.
- Our travel assistance team—backed by an international network of 40,000+ pre-qualified medical providers—is available to provide expert support during your trips. Whether you need translation assistance or require emergency medical attention, our experts are just one phone call away.
- Innovative: We offer three plan designs, with varying coverages and integrated services, enabling you to select the plan that best meets your needs.
- Seamless: One annual premium covers travel throughout the year; there is no need to activate on a trip-by-trip basis.
2. What are the coverage options?
You can choose from three available Travel 365 plan designs: Basics, Essentials, and Choice. Please reference the Travel 365 brochure for details on the varying benefits and coverage limits across these plan options. Note: All plan options include 24/7 travel assistance services.
3. Where/when is this coverage valid?
Travel 365 benefits apply when a covered person is on a covered trip that is more than 100 miles from home, includes an overnight stay, and is no longer than 60 days in length. Please reference the Travel 365 brochure for details on covered reasons and coverage exclusions.
4. Does Travel 365 cover all trips taken by covered policyholders over the course of the plan year?
Travel 365 coverage applies to trips that are taken over the course of the plan year that are more than 100 miles from home, include an overnight stay, and are no longer than 60 days in length. The plans include annual aggregate limits of coverage.
5. In what states is Travel 365 available?
Travel 365 is currently available in the following states and territories:
Coverage and pricing may vary by state.
6. Who is eligible for the coverage?
Travel 365 needs to be purchased by all individuals interested in being eligible for coverage. Coverage is available in the majority of states. Please see the full list of available states above.
7. Does Travel 365 provide coverage for a pre-existing condition?
Our Travel 365 policies contain a Pre-Existing Medical Condition Exclusion for certain pre-existing conditions present within the 90-day period immediately preceding and including the Insured's coverage effective date. Please see below for details on this exclusion as stated in our policy language:
8. What is the definition of a covered trip for a Travel 365 policy?
"Trip" means a period of travel away from home to a Destination outside the Insured's City of residence; the purpose of the trip is business or pleasure and is not to obtain health care or treatment of any kind; the trip has defined Departure and Return Dates specified when the Insured applies; the trip does not exceed 60 days; the Insured's Destination is not to another home; and travel is primarily by Common Carrier and only incidentally by private conveyance.
9. Is there an age restriction for a Travel 365 insured?
Travel 365 plans are not available for travelers over the age of 80 years old.
10. What are the coverage exclusions for Travel 365?
For a complete list of exclusions, please reference our Travel 365 brochure. You will receive a detailed description of these exclusions in the policy document that will be issued via email during the policy fulfillment process.
11. Who can I contact to learn more about Travel 365?
Contact your Benefits Center for additional information on Travel 365.
Travel 365 Policy Fulfillment & Renewal
12. How does the Travel 365 policy issuance process work? What communications will I receive to confirm the policy was issued?
The policy confirmation will be sent to the employee's email address on file. This will include the following:
- A confirmation statement
- Travel Certification Form
- State-specific policy wording
- Travel assistance overview and ID card
- A link to our claims portal for seamless claims submission
Support, Emergency Assistance, & Claims
13. Who do I contact for emergency assistance, policy questions, or claims assistance?
Travel & Emergency Assistance
You can call our medical and travel security specialists for expert support at any time before, during, or after your trip.
+1 844-825-2264, Option 1 (Inside the U.S.)
+1 585-939-7468, Option 1 (Outside the U.S.)
Contact Our Service & Claims Team
If you have questions about your policy or our claims process, you can call our Customer Service and Claims teams Monday through Friday, 8 a.m. to 8 p.m. ET.
+1 844-825-2264 (Inside the U.S.)
+1 585-939-7468 (Outside the U.S.)
Submit a Claim | Email Chubb Customer Service | Email Chubb Claims Team
14. Do Travel 365 plans include 24/7 access to travel assistance services? Who is the provider of these travel assistance services?
Yes, all Travel 365 plan options include 24/7 travel assistance services, provided by AXA Assistance USA ("AXA"). AXA brings over 60 years of experience in providing best-in-class travel assistance and has been a long-standing partner of Chubb for more than 10 years. They have a robust medical network and extensive service capabilities, including, but not limited to:
AXA's in-house medical expertise allows them to respond to a variety of situations swiftly and confidently, from providing care coordination for members to executing complex evacuations from remote locations. AXA shares Chubb's commitment to exceptional service and care for our clients, and they look forward to working together to deliver best-in-class travel programs.
15. What is the scope of services provided by the Chubb Travel Assistance team?
Please reference the Travel 365 brochure for the full scope of services provided by the 24/7 travel assistance team.
16. What type of documentation is needed to file a claim?
Our online claims portal provides step-by-step guidance and outlines the documentation required for submission of various claim types. In the case of a medical claim, the policyholder should provide an attending physician statement. Depending on the information included in that statement, they may also need to provide medical records to confirm the diagnosis for sickness or injury. For support navigating during-trip medical situations, the policyholder should contact our 24/7 Travel Assistance Center.