FAQ

Travel Assistance provides immediate support and services during your trip, such as emergency assistance and lost document assistance. Travel Insurance, on the other hand, offers financial coverage for risks like trip cancellations, medical emergencies, and lost baggage.

To purchase a ChicoCover Travel Insurance plan, simply provide the following information when booking via our website:

• Personal information for all travelers, including dates of birth.
• Permanent U.S. address for all travelers*.
• Trip details, including travel dates, destination, and total trip costs.

*Please note that ChicoCover Travel Insurance is available to U.S. residents with travel itineraries to and from the United States.

It is recommended to buy the policy as soon as you make your initial trip deposit. Some plans offer coverage for pre-existing medical conditions if purchased within 14 days of the initial payment*. You don't need to have paid for the trip in full, but providing your estimated trip cost or current deposit payment amount ensures an accurate quote.

*In order to qualify for travel insurance you must have made a non-refundable deposit towards your trip, whether that is a hotel, airfare or tours.

Certain ChicoCover Insurance policies offer coverage for pre-existing conditions if the plan is purchased within 14 days of the initial deposit, and other requirements are met. The look-back period may vary from 90 to 180 days, depending on the specific ChicoCover plan purchased. Please refer to your plan's Description of Coverage or Policy for detailed information under the Pre-Existing Condition definition and review the General Exclusions section for further details.

Indeed, pregnant persons are eligible for coverage under ChicoCover Insurance. However, it's important to note that losses resulting from normal pregnancy or childbirth are excluded. Unforeseen complications that occur during a covered trip may be covered if the insured requires hospitalization. For more detailed information regarding your travel insurance questions, please consult your plan's Description of Coverage.

Cancellation policies vary by state. Generally, Chico Cover offers a free look period of 15 days, provided you have not yet departed on your trip or incurred a covered loss. For residents of CT, KS, MO, MT, VT, WA, the free look period extends to 21 days, and in IN, NH, and UT, it's 30 days.

Chico Cover's single-trip plans cover trips from a few days up to 60 days. For more details, visit www.chicocover.com or call our licensed agents at 800-545-9913. We're available Monday-Friday 9 AM to 8 PM, and weekends 9 AM to 6 PM.

Yes, Chico Cover's travel insurance is currently available only to U.S. residents with travel itineraries to and from the United States. For more details, visit www.chicocover.com or call our licensed agents at 800-545-9913 (Monday-Friday 9 AM to 8 PM, weekends 9 AM to 6 PM).

Chico Cover’s "Stress Less" feature allows our clients to potentially avoid fronting their own monies and going through a claim reimbursement process. By contacting Chico Cover immediately when experiencing any covered event such as a flight disruption, illness, or injury, our team can coordinate the solution and pay for it on the spot. This includes booking or rearranging flights and hotels, coordinating medical care, or arranging a medical evacuation or repatriation.

Chico Cover offers single-trip plans for one-time trips and multi-trip plans for frequent travelers, allowing unlimited trips within a year. Chico Cover’s Multi-trip plan offers flexibility and cost savings and it is one of the industry’s first and only annual multi-trip travel insurance policies to include Trip Cancellation coverage.

This plan also features a 15-day Free Look Period* where you can receive a full refund of your policy’s premium if you haven’t filed a claim or departed on your trip during that time.

To get a personalized quote, contact our licensed agents at 800-545-9913 or fill out the Travel Insurance form at https://chicocover.com/travel-insurance/get-a-quote.

We're available Monday-Friday from 9 AM to 8 PM and weekends from 9 AM to 6 PM.

Yes! Chico Cover provides group discounts for up to 10 people, with premiums that scale down as the group size increases

Absolutely! Chico Cover policies allow coverage for multiple countries in a single trip.

Yes! Extensions are possible up to a total of 90 days. You need to call us at 800-545-9913 to extend the policy.

Yes. Chico Cover Travel Insurance is available to U.S. residents with travel itineraries to and from the U.S. You can also travel between countries while on the trip if coverage was purchased with Chico.

Chico Cover offers higher limits on missed flight connections, lost bags, trip delays, and provides comprehensive overseas travel insurance plans for international trips. Our coverage, both medical and non-medical insurance, protects you from unexpected expenses.

Chico Cover offers both single-trip and multi-trip insurance plans to suit your travel needs. Our multi-trip annual plans are perfect for frequent travelers!

Yes, Chico Cover provides coverage for last-minute flight changes within policy limits.

Yes, Chico Cover protects against lost or stolen luggage up to policy limits

Chico Cover offers various plans based on your trip duration, budget, and coverage needs, such as medical coverage, cancellation protection, and more. Choose your plan based on your personal requirements.

Chico Cover’s Cancel for Any Reason* benefit reimburses a portion (typically 50-75%) of prepaid trip costs if you need to cancel, regardless of the reason, offering flexibility.

*Not available in NY.

Yes, Chico Cover protects you from financial losses due to trip cancellations or delays caused by issues like bad weather, illness, or other unforeseen circumstances. Travel delays caused by the airline are covered up to the trip delay policy limits.

Chico Cover offers annual multi-trip plans, perfect for frequent travelers! This covers an unlimited number of trips within a year under one policy.

1. Seek immediate medical attention: Go to the nearest hospital or clinic.
2. Contact Chico Cover's emergency assistance: Call the emergency number provided in your policy to get help with medical arrangements or evacuation if needed.
3. Keep documentation: Save all medical receipts, bills, and reports for your insurance claim.
4. Submit a claim: Once you're safe, file a claim with Chico Cover for reimbursement.

In order to file a claim, you must contact:

Claims Department Zurich American Insurance Company
P.O. Box 968019, Schaumburg, IL 60196-8019
Telephone: 1-833-515-3322
claims@zurichtravelassist.com

Claims are typically settled within 30 days. For more details, click here https://chicocover.com/claims