Business ProfileforChubb Ltd.

One star is generous. It took 11 months to resolve my claim despite it being a clear cut example of when travel insurance should kick in. After dealing with an unforeseen illness (with no preexisting condition), a canceled honeymoon, and mounting medical bills, this claims process to get a refund so we could rebook our honeymoon (which I thought would be straightforward) ended up being a slap in the face that often brought me to tears. We're talking $17,000 meaning we could not rebook our honeymoon until a claim was paid out. It seems like no fewer than a dozen people handled our claim, each offering contradictory or circular requests and next steps. Everyone I spoke with on the phone was polite and sympathetic, but it was a different person every single time and it felt like my claim never moved forward without me calling for an update. I was told there were over 100 documents in my file by the end which would make me laugh because they kept requesting the same things over and over again. I ended up receiving a claims result with a random number that I can't even tie out to the initial claim I submitted. Nothing itemized to show how the final payout amount was reached and which expenses were declined. I followed up for clarification (perhaps an EOB) on December 4, 2023 and still have not heard back. I have thrown my hands in the air in exasperation after being left out $5,000 after a year of back and forth. Ironically, the longer it took them, the more the travel credits we did receive would expire, so it ended up costing them way more than if they'd been able to handle the claim quickly. I suppose I should be grateful for what I got, but I consider it very shady given I pay $550 a year for this credit card benefit. It's unacceptable, bordering on fraudulent.