An Injured Wrist Threatens to Derail a Resort Vacation.
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—he arrived at his resort in Mexico looking forward to his stay. Just a few hours later, he missed a step on a stairway. 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 onsite 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 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 in 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. 9/2024)
