What happened

Prior to departing for her Los Cabos resort, a member saved the international phone number for Chubb’s 24/7 Travel Assistance team to her mobile phone so she could seek emergency assistance if needed. 

She arrived at her resort, excited to kick off her vacation. While out for a walk one morning, she was hit by a car and suffered multiple injuries—including a broken pelvis. The local emergency authorities were contacted, and she was transported to a local hospital where she was stabilized. 

How our coverage responded

The member called Chubb’s Travel Assistance team to explain the situation and the extent of her injuries. The Travel Assistance team coordinated with the treating local physician to determine when she was medically fit to travel so she could be transported home to the United States. They arranged for her safe transport home via air ambulance while also taking care of all required accommodations. 

Outcome

Chubb’s Travel Assistance team coordinated the submission of the member’s claim, with the policy ultimately providing $1,000 in accident medical expenses and $50,000 in emergency evacuation expenses under the Chubb Essentials plan. Chubb, our Travel Assistance team, and the local physicians in Los Cabos worked together to get the member home safely and comfortably so she could finish her recovery from the accident. 

The claim scenario described here is intended to show the types of situations that may result in claims. This scenario should not be compared to any other claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms and conditions of the policy as issued, and applicable law. Facts may have been changed to protect the privacy of the parties involved. Travel assistance services are provided by third-party providers. This is a brief description of the features of this insurance program. It is not a contract of insurance. The terms and conditions of coverage are set forth in the Policy issued to ResortCom. The Policy is subject to the laws of the state in which it was issued. Coverage may not be available all states or certain terms or conditions may be different if required by state law. Insurance benefits are underwritten by ACE American Insurance Company located at 436 Walnut Street, Philadelphia, Pennsylvania 19106. Chubb NA is the U.S.-based operating division of the Chubb Group of Companies headed by Chubb Ltd. (NYSE: CB) Insurance products and services are provided by a licensed producer, and not by the parent company itself. (Rev. 3/2025) 

What Happened

In preparation for his resort vacation, a member decided to upgrade to the Chubb Essentials insurance plan to ensure he had additional coverage for medical expenses. He also saved the international phone number for Chubb’s 24/7 Travel Assistance team to his mobile phone, just in case he needed it.  The day had finally come, and he arrived at his resort in Mexico, looking forward to his stay. Just a few hours later, he missed a step on a stairway, and he soon realized the severity of his injury as his wrist throbbed with excruciating pain.

How Our Coverage Responded

The member immediately sought assistance from the resort staff, who promptly called their on-site doctor. The resort's experienced physician examined his wrist carefully. Suspecting a fracture, he recommended getting an X-ray at the nearest hospital to confirm the diagnosis. The results confirmed that he had indeed fractured his wrist. He received a prescription for pain relief and had his wrist immobilized via a cast to facilitate the healing process.

Outcome

Once home, the member filed a claim for the cost of his medical expenses. The Chubb Claims team processed his claim quickly and efficiently to help ensure he received reimbursement. In the end, he received the total amount claimed for medical, approximately $1,200, due to his $10,000 in coverage for accident/sickness benefits under his Chubb Essentials plan.

In a medical emergency or for travel assistance, call our Chubb Travel Assistance Center at +1 877-319-4397 (Inside the US) or +1 240-330-1537 (Outside the US). For general coverage inquiries, contact Chubb Travel Protection Customer Service Center at +1 844-825-2264, option 3 (Inside the US) or +1 585-939-7468, option 3 (Outside the US).

The claim scenario described here is intended to show the types of situations that may result in claims. This scenario should not be compared to any other claim. Whether or to what extent a particular loss is covered