Questions & answers · Travel insurance
What does a Chubb travel insurance policy require to file a claim?
Travel insuranceHow to fileChecked Nov 5, 2026
From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-05 · Source: Texas Legislature · Insurance Code § 542.055(a) View original ↗
In short
- Your policy papers list the claim steps and proof. Start there.
- The insurer must tell you what papers it needs.
- For trip cancellation, ask the trip seller for a refund first.
What this means
We have not read Chubb's own claim rules. So its forms, paper list, and deadlines are "Don't know yet" here. Your certificate or policy (the papers you got after you bought) lists them. If you bought through an airline or travel site, check that confirmation email.
Some rules apply to all insurers in a state. In Texas, within 15 days after getting notice of your claim, an insurer must say it got it, start its review, and ask for all the items, statements, and forms it thinks it will need [1]. Then it must accept or reject in writing within 15 business days after it gets everything it asked for [2]. Other states have their own limits.
For trip cancellation, the North Carolina Department of Insurance says you must first ask the trip provider to pay you back before the insurer will look at the claim [3]. Common papers include proof of payment, the provider's refund answer, and proof of the reason, like a doctor's note. Your policy's list is the one that counts.
Your next step
Find your Chubb certificate and read the "Claims" section. Tell the insurer about the claim and ask for its list of papers in writing. The sources give no filing deadline for Chubb; your policy's deadline is "Don't know yet".
Check it yourself
Open your policy or certificate and find "How to file a claim" and "Proof of loss." Note any deadline there. Chubb-specific steps were not checked here.
Where this comes from (3)
[1] Texas Legislature · Insurance Code § 542.055(a) · checked 2026-11-05
Not later than the 15th day or, if the insurer is an eligible surplus lines insurer, the 30th business day after the date an insurer receives notice of a claim, the insurer shall: (1) acknowledge receipt of the claim; (2) commence any investigation of the claim; and (3) request from the claimant all items, statements, and forms that the insurer reasonably believes, at that time, will be required from the claimant.
[2] Texas Legislature · Insurance Code § 542.056(a) · checked 2026-11-05
an insurer shall notify a claimant in writing of the acceptance or rejection of a claim not later than the 15th business day after the date the insurer receives all items, statements, and forms required by the insurer to secure final proof of loss.
[3] North Carolina Department of Insurance · Travel Insurance · checked 2026-11-05
You must first seek reimbursement from the trip provider before the insurance company will consider the claim.
How we found this
We matched your question to 3 official sources, quoted the exact lines, and re-checked each quote against its source on 2026-11-05.
What we don’t know yet
Your own plan or notice may say something different. If your letter cites another rule, send it and we will look again.
Every answer is checked against the official rule it quotes.
Information only — not legal advice. Your plan, insurer or agency decides.
This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.
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