Travel 365: Leisure Travel Plans for U.S. Residents

Travel 365

Leisure Travel Plans for US Residents

Travel With Condence —

Wherever Your Journey

Takes You

Sickness, injuries, and other emergencies are facts of life.

When you’re away from your customary medical and

informational resources, even minor situations can become

more intense. You can travel condently, no matter where you

are or what you need, when you have the right plan in place.

Travel 365 helps provide solutions and insurance protection

for the “what ifs” of modern travel.

Comprehensive

You’re covered 24 hours a

day, 365 days a year during

any leisure travel.

Innovative

Coverages and integrated

services offer a tailored

solution to meet your

unique needs.

Seamless

One annual premium

covers travel throughout

the year; there’s no need

to activate on a trip-by-

trip basis.

Chubb Travel Protection — Travel 365

Be Prepared for the Unexpected

You’ve put a lot of thought into planning

and preparation for your travels, but what if…

Your travel plans are cancelled or interrupted?

Our plans provide reimbursement for forfeited, pre-paid non-refundable

trip costs and additional covered transportation expenses for trips that are

cancelled or interrupted due to a covered unforeseen event.

Your travel is delayed, preventing you from returning

home and requiring additional accommodations?

Our plans reimburse for reasonable additional expenses incurred until travel

becomes possible to the originally scheduled destination, if your trip is delayed

5 consecutive hours due to a covered unforeseen event.

Your baggage is delayed and you need to purchase

essential items?

We can help reimburse you for the purchase of necessary personal effects if

your baggage is delayed or misdirected for more than 12 hours while on a trip.

Your travel is disrupted due to a sickness or injury

and you need to seek medical attention?

We provide coverage for reasonable and customary charges if you suffer an

injury or sickness requiring you to be treated by a physician while on a trip.

Travel 365 provides

reassurance that our

team will be there to

help if any of these

incidents occur.

We designed our plans

to cover the unexpected

risks related to traveling.

Contact your insurance

broker for a quote.

For coverage questions,

contact our Travel 365

Customer Service

Center at +18448252264.

Coverage

Overview

Standard Plan Benets Travel 365 Basics Travel 365 Essentials Travel 365 Choice

Trip Cancellation N/A

100% of Trip Costs

($2,500 maximum)

100% of Trip Costs

($5,000 maximum)

Trip Interruption $1,000

100% of Trip Costs

($2,500 maximum)

100% of Trip Costs

($5,000 maximum)

Trip Interruption –

Return Air Only

Included in Trip Interruption Included in Trip Interruption Included in Trip Interruption

Trip Delay $750 ($150 per day) $1,000 ($150 per day) $1,500 ($150 per day)

Missed Connection N/A $500 $1,000

Baggage & Personal Effects $1,500 $2,000 $2,500

Baggage Delay $300 ($150 per day) $500 ($250 per day) $1,000 ($250 per day)

Accident & Sickness

Medical Expense*

$25,000 $50,000 $100,000

Emergency Evacuation &

Repatriation of Remains

$250,000 $500,000 $1,000,000

Accidental Death

& Dismemberment

$10,000 $50,000 $100,000

Car Rental

Collision Coverage

N/A

$35,000 maximum

($250 deductible)

$35,000 maximum

($250 deductible)

Security Evacuation $25,000 $50,000 $100,000

Assistance Services Included Included Included

Coverage limits and rates are per person. All coverages are aggregate amounts for the annual term.

Plans are not available to residents of certain states. Please see the full list of available states here.

Plans are not available for travelers over the age of 80 years old; plans do not include Financial Default benet.

Chubb Travel Assistance provides 24/7

assistance to help you navigate emergencies

and manage your travel risk during a trip.

Our experts have 60+ years of experience

in providing best-in-class assistance, from

medical coordination to destination-based

intelligence and even security evacuations.

Medical Assistance

Provides medical monitoring; doctor, hospital, dentists and clinic

referrals; replacement of eyeglasses or medication; emergency

medical transportation or medical evacuation; return of dependent

children; dispatch of doctor or specialist when needed; assistance

for traveling companion; escort transportation; repatriation

of remains.

Travel Assistance

Provides emergency message relay to relatives, friends and

business associates; emergency cash; legal and bail assistance;

emergency travel arrangements; location of lost or stolen

documents and articles; assistance with foreign language

and interpretation problems.

Personal Assistance

Provides travel advisories for travel destinations; visa, passport

and inoculation requirements; cultural information; embassy and

consulate referrals; foreign exchange rates; temperature and

weather conditions.

Security Assistance

Provides on the ground security assistance in the event of a

potentially life-threatening military or political situation while

traveling or studying abroad and access to a crisis hotline and

security assistance center to discuss any safety concerns about

travel locations or to secure immediate assistance while traveling.

Coverage

Details

Trip Cancellation and Interruption Coverage

Reimburses if an Insured cancels their Trip, or is unable to continue

their Trip due to any of the following unforeseen events:

• Sickness, Injury, or death of an Insured, Family Member,

Traveling Companion, Business Partner, or Host at Destination;

• Sickness or Injury of an Insured, Traveling Companion, or

Family Member traveling with the Insured must be so disabling

as to reasonably cause a Trip to be canceled or interrupted or

which results in medically imposed restrictions as certied

by a Physician at the time of Loss preventing continued

participation in the Trip;

• Sickness or Injury of a Family Member not traveling with

the Insured must be because their condition is life-threatening,

as certied by a Physician, or they require the Insured’s

immediate care. Such disability must be so disabling as to

reasonably cause a Trip to be canceled or interrupted and

must be certied by a Physician;

• Sickness or Injury of the Business Partner must be so disabling

as to reasonably cause the Insured to cancel or interrupt the

Trip to assume daily management of the business. Such disability

must be certied by a Physician;

• Sickness, Injury, death, or hospitalization of the Insured’s Host

at Destination. A Physician must certify the Sickness or Injury;

• Inclement Weather causing delay or cancellation of travel;

• Strike causing complete cessation of travel services

at the point of departure or Destination;

• The Insured’s Primary Residence being made Uninhabitable

or inaccessible by Natural Disaster, vandalism, or burglary;

• The Insured’s Destination being made Uninhabitable or

inaccessible by ood, tornado, earthquake, volcanic eruption,

re, wildre, or blizzard that is due to natural causes;

• The Insured or Traveling Companion is subpoenaed or

required to serve on a jury;

• The Insured or Traveling Companion is called to active military

service or military leave is revoked or reassigned;

• Terrorist Incident in a City listed on the Insured’s itinerary

within 30 days of the Insured’s scheduled arrival;

• The Insured and/or Traveling Companion is directly involved

in or delayed due to a trafc accident, substantiated by a police

report, while en route to the Insured’s Destination;

Chubb Travel Protection — Travel 365

• A named hurricane causing cancellation or interruption

of travel to the Insured’s Destination that is Inaccessible or

Uninhabitable. Claims are not payable if a hurricane is

foreseeable prior to the Insured’s effective date. A hurricane

is foreseeable on the date it becomes a named storm.

The Company will only pay the benets for Losses occurring

within 30 days after the named hurricane makes the Insured’s

Destination Uninhabitable or Inaccessible;

• The Insured or a Traveling Companion being the victim of a

Felonious Assault within 10 days prior to the Departure Date.

No coverage is provided for Felonious Assault committed by

another Insured, Family Member, Traveling Companion, or

Traveling Companion’s Family Member; or

• The Insured’s or Traveling Companion’s company is deemed to

be unsuitable for business due to burglary, or Natural Disaster

and the Insured or Traveling Companion is directly involved as

a Key Employee of the disaster recovery team.

Trip Delay Coverage

Reimburses for reasonable additional expenses

incurred until travel becomes possible to the originally

scheduled destination, if your trip is delayed 5 or

more consecutive hours for one of the following

unforeseen events:

• Common carrier delay;

• The Insured’s or traveling companion’s lost or stolen

passports, travel documents, or money;

• Reasons listed (above) under Trip Cancellation

and Interruption benets

Missed Connection Coverage

Reimburses for unused, non-refundable, pre-paid

trip payments or additional transportation expenses

incurred if you miss a trip departure because of a delay

or cancellation of 3 or more consecutive hours due to

inclement weather or a common carrier caused delay.

Chubb Travel Protection — Travel 365

Coverage

Exclusions

This plan does not cover any loss caused by or resulting from: intentionally self-inicted Injury, suicide, or

attempted suicide of the Insured while sane or insane (this exclusion does not apply to any medical benets);

Normal Pregnancy or Childbirth, other than Unforeseen Complications of Pregnancy, or elective abortion of

the Insured, a Traveling Companion, or a Family Member; participation in professional athletic events, motor

sport, or motor racing, including training or practice for the same; mountaineering where ropes or guides are

normally used and specialized equipment is necessary for the ascent or descent of a mountain. Specialized

equipment includes but is not limited to pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope

anchoring equipment; war or act of war, whether declared or not, participation in a civil disorder, riot, or

insurrection; operating or learning to operate any aircraft, as student, pilot, or crew; air travel on any air-

supported device, other than a regularly scheduled airline or air charter company; commission of or attempt

to commit a felony by the Insured; Mental, Nervous, or Psychological Disorder (this exclusion does not apply

to any medical benets); if the Insured’s tickets do not contain specic travel dates (open tickets); being under

the inuence of drugs or narcotics, unless administered upon the advice of a Physician or intoxication above

the legal limit; any Loss that occurs at a time when this coverage is not in effect; traveling for the purpose

of securing medical treatment; any Trip taken outside the advice of a Physician.

Pre-existing Medical Condition

Exclusion

The Company will not pay for any loss or

expense incurred as the result of an Injury,

Sickness, or other condition (excluding any

condition from which death ensues) of an

Insured, Traveling Companion, Business

Partner, or Family Member which, within

the 90-day period immediately preceding

and including the Insured’s coverage

effective date: (a) rst manifested itself,

worsened, became acute, or had symptoms

which would have prompted a reasonable

person to seek diagnosis, care, or

treatment; (b) for which care or treatment

was given or recommended by a Physician;

medicines, unless the condition for which

the drugs or medicines are taken remains

controlled without any change in the

required prescription drugs or medicines.

Trip Cancellation and

Trip Interruption Exclusions

Unless otherwise provided by this plan,

Benets will not be provided for any loss

resulting (in whole or in part) from: travel

arrangements canceled by an airline, Cruise

line, or tour operator, except as provided

elsewhere in the plan; changes in plans by

the Insured, a Family Member, or Traveling

Companion, for any reason; nancial

circumstances of the Insured, a Family

Member, or a Traveling Companion; any

government regulation or prohibition; an

event which occurs prior to the Insured’s

coverage Effective Date; failure of any

tour operator, Common Carrier, person,

or agency to provide the bargained-for

travel arrangements or to refund money

due the Insured.

Baggage & Personal Eects

and Baggage Delay Exclusions

Benets will not be provided for any Loss,

or damage to, caused by, or resulting in

whole or in part from: animals, rodents,

insects, or vermin; bicycles (except when

checked with a Common Carrier); motor

vehicles, aircraft, boars, boat motors,

ATVs, and other conveyances; articial

prosthetic devices, false teeth, any type

of eyeglasses, sunglasses, contact lenses,

or hearing aids; keys, notes, securities,

accounts, currency, deeds, food stamps,

bills, or other evidences of debt, or tickets;

money, stamps, stocks and bonds, postal,

or money orders; property shipped as

freight, or shipped prior to the Departure

Date; contraband, illegal transportation

or trade; items seized by any government,

government ofcial, or customs ofcial;

defective materials or craftsmanship;

normal wear and tear; deterioration.

Car Rental Collision Coverage

Exclusions

Coverage is not provided in whole or in

part for any loss to, or due to: the Insured

or his/her Traveling Companion violating

the rental agreement; rentals of trucks,

(not including jeeps or SUVs) campers,

trailers, off-road vehicles, or Exotic

Vehicles; any obligation the Insured or

his or her Traveling Companion assumes

under any agreement except insurance

collision Deductible; failure to report the

Loss to the proper local authorities and

the rental car company; damage to any

other vehicle, structure, or person as a

result of a covered Loss; participation in

contests of speed, motor sport, or motor

racing including training or practice for

the same; driving under the inuence of

alcohol; being under the inuence of

drugs or intoxicants, unless prescribed

by a Physician; war or act of war, whether

declared or not, the Insured’s participation

in a civil disorder, riot, or insurrection.

Accident Sickness

Medical Expense Exclusions

Unless otherwise provided by this plan,

Benets will not be provided for the

following: routine physical examinations;

mental health care; replacement of

hearing aids, eye glasses, contact lenses,

and sunglasses; routine dental care; any

service provided by the Insured, a Family

Member, or Traveling Companion; alcohol

or substance abuse or treatment for

the same; Experimental or Investigative

treatment or procedures; care or

treatment which is not Medically

Necessary, except for related

reconstructive surgery resulting from

trauma, infection, or disease; coverage

for Trips less than 100 miles from the

Insured’s Primary Residence.

Accidental Death and

Dismemberment and Flight

Accident Exclusions

Benets will not be provided for the

following: loss caused by or resulting

directly or indirectly from Sickness

or disease of any kind; stroke or

cerebrovascular accident or event;

cardiovascular accident or event;

myocardial infarction or heart attack;

coronary thrombosis; aneurysm.

Presented by:

underwriting company afliates or network partners. Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services.

For a list of these subsidiaries, please visit our website at www.chubb.com. All products may not be available in all states. This communication contains product summaries only.

Coverage is subject to the language of the policies as actually issued. Surplus lines insurance sold only through licensed surplus lines producers. Chubb, 202 Hall’s Mill Road,

Whitehouse Station, NJ 08889-1600.