Travel Smarter All Year with Vacation 365 Travel Protection

Common Questions & Answers

Did you know that all Vacation Club Members are automatically enrolled in the ResortCom Basics Plan provided through Chubb?

The ResortCom Basics Plan includes up to $50,000 Emergency Evacuation and up to $50,000 Repatriation of Remains. This includes coverage for emergency medical transportation to the nearest adequate facility, transportation after stabilization, and return of dependent children. Repatriation of remains provides coverage for reasonable costs for the transportation of remains. The plan also includes access to 24/7 assistance services. Vacation Club Members may elect to upgrade and purchase the ResortCom Essentials coverage which also includes Trip Delay, Baggage & Personal Effects, Accident & Sickness Medical Expense coverage and more.

Emergencies can escalate quickly while traveling through your Vacation Ownership.

Chubb Travel Assistance Services are only a phone call away. As a Chubb client you will have 24/7 access to emergency assistance when you are traveling away from home to request assistance for medical, travel or personal reasons. Below are some of the most frequently asked questions members ask when reviewing the Chubb plans.

• Should we contact Chubb first or our regular health insurance provider? Does it matter who contacts Chubb?

  It is important to contact local 911 for medical emergencies. Chubb Travel Assistance is available for 24/7 assistance for medical monitoring, doctor or hospital referrals, emergency medical transportation arrangements, and more. The plans also include transportation after stabilization. Contact Chubb Travel Assistance as soon as possible and they will assist with your medical emergency. Any party can contact Chubb Travel Assistance to open the case on the member's behalf.

• What does the Chubb ResortCom Basics Plan include with my Vacation Ownership?

  The ResortCom Basics Plan includes coverage for emergency medical transportation, repatriation of remains, return of dependent children, and transportation after stabilization when you are traveling using your Vacation Ownership account. This coverage is available when traveling 100 miles or more from your primary residence, provided you are traveling to, from, or are at one of your resorts or on an exchange. This plan also includes the 24/7 Assistance Services if you have any questions while you are traveling.

• What are the benefits of electing to upgrade the coverage for the Chubb ResortCom Essentials Plan vs. traditional travel insurance?

  The ResortCom Basics and Essentials plans were designed to provide coverage when you are traveling using your Vacation Ownership or through a Vacation Ownership exchange. The plans provide coverage on an annual basis versus having to purchase each time you travel, as with traditional travel insurance available on a single trip basis. The Essentials Plan includes post-departure benefits including Trip Delay, Baggage & Personal Effects, Accident & Sickness Medical Expense, and Emergency Evacuation & Repatriation of Remains coverage. Accident & Sickness Medical Expense and Emergency Evacuation & Repatriation of Remains are available only when traveling 100 miles or more from your primary residence. The Essentials Plan also includes 24/7 Assistance Services if you have any questions while traveling.

• How does reimbursement for medical or travel benefits work?

  In the event you have a claim, you will direct those claims to Chubb for review based on the policy wording. You will need to complete a claim form and provide proof or documentation for the loss. Accident & Sickness Medical Expense and Baggage & Personal Effects coverages are in excess of your personal insurance. Medical and Baggage & Personal Effects claims should be submitted to your primary medical or homeowners insurance company first, and you should provide a copy of your explanation of benefits (EOB). The member can then submit the remaining expenses along with the EOB from their primary insurance with their claim for Chubb Travel Protection to review. Emergency Transportation Arrangements must be made through the Chubb Travel Assistance Provider and may be declined if arrangements were not completed by the designated assistance provider.

• Who is covered under my Chubb ResortCom Basics Plan?

  The Chubb ResortCom Basics Plan applies to anyone listed on the Vacation Ownership for benefits. For example, if spouses are both listed on the contract, the wife will be covered by the benefit whether she is traveling with the husband or not. If the spouses have a child that is not listed on the resort contract, the child would not be eligible for services if traveling alone without the parents unless traveling to their designated resort with a verified guest certificate. Guests in the travel party are not covered unless they are on the contract. However, anyone traveling with the members, up to 6 traveling companions total, is covered for benefits on the ResortCom Essentials Plan.

• If I use my regular week, but then rent additional days directly from the hotel, am I covered for all portions of the trip?

  Yes, as long as it is part of the same Vacation Ownership trip or exchange.

• If I am traveling with my children, but I leave after week one and they stay longer, are they covered?

  Yes, as long as they have the valid guest certificate through the Vacation Ownership, they would be eligible for coverage.

• Are all members in my travel party covered? Do they have to be listed on the same reservation?

  If traveling with the member, this would be available on the ResortCom Essentials Plan. They do not need to be on the same reservation and can be in different rooms. Dates should reflect the majority of the trip sharing the same travel dates.

• If the hotel reassigns or upgrades me to a room in a neighboring property, are all members of my travel party still covered?

  Yes, as long as they are traveling with a member through the Vacation Ownership, and the member has the ResortCom Essentials Plan.

• If I have purchased separate Covid travel insurance coverage, which policy is primary?

  COVID is treated like any other medical condition. The ResortCom Essentials Plan would provide coverage for Accident & Sickness Medical Expense due to COVID with a positive diagnosis from a medical professional. The medical coverages are in excess of personal medical insurance.

• If I am driving to visit my mother 200 miles away, and something happens, what specific coverages apply?

  The ResortCom Basics and ResortCom Essentials plans only provide coverage when traveling using your Vacation Ownership or exchange.

• How will I know which city or hospital I will be transferred to? What medical services will be covered?

  It is important to contact local 911 for medical emergencies. Chubb Travel Assistance is available for 24/7 assistance for medical monitoring, doctor or hospital referrals, emergency medical transportation arrangements, and more. You should contact the Chubb Travel Assistance Services Team as soon as reasonably possible so they can evaluate the medical situation, assist with the nearest adequate medical facility, consult with local physicians, and proceed with assistance as outlined in the policy. All emergency transportation arrangements need to be coordinated by the designated assistance services team. Once the member is stabilized, Chubb Travel Assistance will assist with transportation to return home.

Chubb Travel Assistance Program

In a medical emergency or for travel assistance, call the Chubb Travel Assistance Center at:

(844) 825-2264 (Inside the US) or (585) 939-7468 (Outside the US)

If you are outside the US, make sure to dial the appropriate country code or call collect if necessary.

For general coverage inquiries, contact Chubb Travel Protection Customer Service Center at 844-825-2264 (Option 3).