Free Pre-Trip Cancellation Cover (Issued by Chubb, Up to $500) When Paying with PayPal [Activation Required]

3270
  • Coverage for a single registered PayPal user
  • 12 months of coverage
  • Up to $500 (maximum Sum Insured)
  • 1 claim per year
  • Nil excess

Product Disclosure Statement


Pay for your trip with PayPal and enjoy complimentary Pre-Trip Cancellation Cover. If something goes wrong and you need to cancel, you can enjoy up to $500 back on pre-paid transport and accommodation costs.*

Protection for when life intervenes.
When you’re going on holiday you should be planning for adventures, not cancellations. Activate Pre-Trip Cancellation Cover to help cover you for life’s pre-trip mishaps.

What’s covered?

  • You can claim up to $500 for your portion of:
  • Transport costs (like car rental, trains, buses and flights)
  • Accommodation costs (like hotel rooms, Airbnb and bed and breakfasts)
  • Entertainment or excursion tickets that were part of a trip
  • Training or conference costs

But not:

  • Simply changing your mind about a trip
  • Expenses not paid for with PayPal
  • A travel agent’s cancellation fee
  • You’re covered for one successful claim per year and will receive your refund within five business days.

When can you claim?

You can claim on Pre-Trip Cancellation Cover if you need to cancel your holiday because:

  • You fall ill or have an accidental injury which renders you unfit for travel
  • There’s a fire, flood or burglary at your home
  • The Department of Foreign Affairs and Trade (DFAT) has issued a ‘do not travel’ or ‘reconsider your need to travel’ warning for the destination of your trip overseas
  • You need to sit an official examination when you would have been away
  • A relative or business partner unexpectedly passes away
  • You experience any other unforeseen circumstance outside of your control, which necessitates the cancellation of a trip

Travelling with a friend?

Ask them to activate too. If they have an Australian PayPal account and have activated Pre-Trip Cancellation Cover, their portion of their own travel costs can be reimbursed too, up to $500 in one claim each year.

*Pre-Trip Cancellation Insurance is made available to customers of PayPal Australia Pty Ltd ABN 93 111 195 389 under a group policy issued to PayPal Pte Ltd (PayPal) by Chubb Insurance Australia Limited ABN 23 001 642 020, AFSL 239687 (Chubb). The policy intermediary is Aon Risk Services Australia Limited ABN 17 000 434 720, AFSL 241141 (Aon). Access to the group policy is provided to covered persons solely by statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Eligible PayPal customers are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. PayPal is not the insurer, does not guarantee or hold the rights under the group policy on trust for PayPal customers and does not act as Chubb’s agent.

Pre-Trip Cancellation Insurance (the cover) is subject to terms, conditions, exclusions, pre-existing medical conditions and other limits. PayPal customers get access to the cover when they meet the activation and eligibility requirements (including purchasing travel using a valid PayPal account). This information has been prepared without taking into account your objectives, circumstances or needs. Before deciding whether this product is right for you, it is important that you read the Product Disclosure Statement carefully to consider whether the insurance meets your needs. Aon, Chubb and PayPal do not provide advice about the cover. Please note that the Pre-Trip Cancellation Cover is not comprehensive travel insurance and you should consider your need for additional travel insurance.

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Related Store: PayPal

Comments

  • +3 votes

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  •  

    Worked for me..

    "Your Pre-Trip Cancellation Cover has been activated. A confirmation email has been sent to you with your Product Disclosure Statement."

    I have a feeling in 12 months when this complimentary cover expires, up-sell, up-sell, up-sell…

    •  

      You've been a member of OzB singh 2009…
      what has that taught ya ?

      up-sell, up-sell, up-sell…

      Reject, reject, reject ……..

  • +6 votes

    Worked for me. disable ad block.

  • +11 votes

    The challenge of schemes such as this, and the similar schemes offered by many credit-card companies, is that they are not comprehensive travel insurance schemes (and, yes, the T&Cs posted here do emphasise this). So, you're very likely to need comprehensive travel insurance as well - but the problem comes that most travel insurance schemes will be void if you're also insured by some other scheme at the same time (just double coverage, not double-dipping on a claim). So, there's a lot of reading to be done if you're planning a trip totalling more than, say, $1000.

    • +1 vote

      Credit card insurances are actually pretty good, but it looks like this deal, although with very limited payout, covers scenarios which other insurances wouldn't. Unfortunately I do not often use Paypal to pay for travel, as it usually attracts hefty fees. But signed up anyway, just in case :)

    • +3 votes

      I second this. It might be a nice piece of mind thing for travel in australia (when you weren't planning on getting any other insurance) but most travel insurance will cover cancelling for uncontrollable reasons. And you should never be without it.. so I don't get the point of this.

    • +2 votes

      You wrote "most travel insurance schemes will be void if you're also insured by some other scheme". I don't think that's correct. It is just a more complex scenario, where the responsibility for certain parts of a claim may lie with another insurer. I've never seen an actual clause saying overlapping coverage voids an entire policy.

      •  

        I would be interested in clarficiation about this too.

      •  

        It's not void, but it is possible for them to get into a fight about which insurer is paying out and delay payment.
        Could also lead to double excess, or time spent getting ombudsman to sort it out, if they do decide 2 insurers are involved.

        In reality people just claim with the obvious primary insurer and there is no issue.
        Fraud alarms will trigger if you claim both on one trip though.

    • +1 vote

      No, nothing becomes void if you have multiple coverages.

      However, you can only ever claim once for the same loss. (Although you can usually claim for different losses on different policies).

      At least that’s understanding (and experience).

    •  

      the problem comes that most travel insurance schemes will be void if you're also insured by some other scheme at the same time

      Say what?!?

  • +1 vote

    worked for me. I have to refresh the browser a few times after getting the "…invalid client_id.." error

  •  

    I just booked a trip on PP an hour ago. If I activate now will that trip be covered? Or does it only cover post activation trips?

    •  

      "Now that you have registered for Pre-Trip Cancellation Cover, remember to pay for future trip expenses with your PayPal account to benefit from coverage."

      Looks like you wont be covered.

  • +1 vote

    Pay for your trip with PayPal

    I think this generally means your credit card travel insurance won't be engaged if you do this?

    •  

      Dont think so, I've paid with my amex through paypal and have still been able to claim travel insurance from amex.

      •  

        Ok, good to know (as I just put some travel on an Amex through PayPal).

        Westpac wording doesn't specifically mention it (below), but not sure I would want to leave it open to interpretation.

        You spend at least $A500 on your prepaid travel costs and you charge these costs to one of your following eligible credit cards issued by Westpac

        I am pretty sure I have seen PayPal specifically excluded on one of my cards but can't recall which one. Would recommend people check their terms before booking.

    •  

      Would depend on card T&C, it's always possible to specifically exclude if you go through PayPal middleman.

  •  

    How is this different to travel insurance?

  • +1 vote

    Paypal payment for AirAsia flights avoids AirAsia booking fees, so would be worth it!

  • +1 vote

    I can't remember the last time I paid for a flight via PP, which websites allow this?

  •  

    So many limitations, mostly the requirement for it to be paid via paypal and the $500 limit and that it only covers pre-departure cancellation, I don't see a use for this.

    Sure, if it meets a very specific scenario, it could be of use but that's so infrequent not to worry about it. In most cases, you'd need other insurance e.g. medical for the rest of the trip, or if domestic then probably paypal won't be accepted, or you may wind up paying more just to get all elements of the trip that accepts paypal.

    •  

      Useful for small travel costs that card insurance would be worthless.
      E.g. a weekend away or something where excess would be more than the costs.
      Travel insurance (via a credit card for me mostly) has a high excess, but covers lots of catastrophes.
      This might cover smaller things that aren't worth claiming via a more comprehensive policy.

      • +1 vote

        That's the thing though; a lot of those small travel costs won't be payable via paypal. Also, this is only in advance, so for a weekend away that may be accommodation - paypal unlikely, domestic flights - paypal unlikely (unless you go through a travel agent, in which case would usually pay more), or car hire - again, paypal unlikely. Other incidentals like dining/food, petrol, taxi and so on are payable after the event in any case so also have no benefit.

        There are of course some where it could be used, at no extra cost, but it's not something that is going to have a lot of applicability/use.

  •  

    I’m annoyed booked a hotel in Gold Coast using PayPal only a few days ago…I do have insurance though. Which hopefully I don’t need to use, as I really need a holiday

    •  

      It can still be worthwhile having insurance for domestic weekends.
      Drop phone, water camera leaks, accidental damage to rental property, refunds if flights (Jetstar) cancelled or car accident on the way. If your contents policy doesn't already cover that stuff.

  •  

    We're sorry.
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    With both normal and incognito mode. :(

  •  

    Interesting. I still haven’t found any insurance which covers for visa not being approved (some places eg EU only grant visa once you can show full travel itinerary which is booked). Still have to pay extra for refundable travel plans :(

  •  

    Done: Your Pre-Trip Cancellation Cover has been activated. A confirmation email has been sent to you with your Product Disclosure Statement.
    Thanks.

  •  

    Thanks.
    Just do it just in case.
    On my phone, "desktop site" option works.

  •  

    And…done!!!

  •  

    If you pay airfare using bank-issued credit card with complimentary travel insurance via Paypal, does it mean that I am eligible for both the complimentary travel insurance AND this Paypal Pre-trip Cancellation cover?

    •  

      I'll allow it

    •  

      Depends on the specific T&C, complimentary cover can really set whatever conditions they want so have to read it very carefully.
      It is possible that one of the insurers will try and claim that you have to go through the other insurer first, someone will pay up but it might be more phonecalls.

  • +1 vote

    What happens after the 12 months are expired? Do they charge us automatically for the coverage since we authorised them to use our PayPal?

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