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

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Hi all,

Received an email today that you can get covered for $500 Pre-Trip Cancellation Cover, just need to activate on Paypal:

https://www.paypal.com/au/webapps/mpp/tripprotection

The info is:

Benefit from complimentary Pre-Trip Cancellation Cover when you pay for your trip with PayPal. If something goes wrong unexpectedly and you need to cancel, you can claim up to $500 back on pre-paid non-refundable transport and accommodation costs for 1 trip per year.

You can claim up to $500 for your portion of non-refundable trip costs pre-paid with your PayPal account which may include:
• 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

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

Seems to be done through Aon - Issued by Chubb - previous deal

For more information as others have said below, make sure to check the Terms and Conditions.
Also thanks so much mods for fixing up the way the deal looks.

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Comments

  • +45 votes

    Can we trust you with that username?

  •  

    thanks op.

    have activated, because why not.
    (prob will still pay with my cc with complimentary travel insurance though)

    • +4 votes

      Can't you do both? CC via PayPal?

      • +11 votes

        It depends in your CC policy. NAB in particular will not accept Paypal tranactions as the qualifiying purchases to trigger the cover.
        Before booking the flights, you should always read the qualifying criteria first to be sure.

        • +1 vote

          Good you mention this. I use the Citibank Credit card, but via PayPal. Thought I will be covered by both, but not so sure now. Will have to investigate this.

          • +1 vote

            @bluesky: Would also like to know

          •  

            @bluesky: I would assume no, but yea, best to check.

          • +2 votes

            @bluesky: I checked with Citibank years ago and insurance is valid for paypal payment.
            Problem with having 2 insurer is one might refer you to the other and it is illegal to double-dip.

            •  

              @jackofspade: Never made a claim before, thank goodness, so rather vague on this. But curious to know. No double-dip makes perfect sense. But can one :

              • claim through the major party (CC insurance), and not mention the minor party (PayPal in this case), so there is no shirking to the other party? And,
              • at the conclusion of claim from 1st party, for items not adequately/not covered by the first, then try with the second party (if covered)?

              Those who buy specific travel insurance, but paid with a CC offering complimentary insurance, must surely be relying on the trip insurance first, and CC insurance second. If the trip insurer can shirk their claim to the CC insurer, it would defeat the purpose of specific trip insurance cover, wouldn't it? Or is it usually the minor party (CC insurance) that shirks to the major party?

              Thanks for any info.

          • +2 votes

            @bluesky: Have now gone through the T&C, as well as rang the Citibank complimentary insurance number. Paying by PayPal is fine, as long as it is charged to the Citibank card offering the complimentary insurance.

        •  

          Huh, glad I learnt this here.

        • +6 votes

          NAB in particular will not accept Paypal tranactions as the qualifiying purchases to trigger the cover.

          -1

          NAB Card Insurance Policy Information Booklet effective 13.03.2018

          The purchase must also have been transacted in one of the following ways:
          – If using your NAB Credit Card – purchases using your credit card facility directly charged by the merchant or using the linked PayPal account; or
          – If using your NAB Visa Debit Card – purchases using your debit card either by using the physical card or by providing the debit card number when paying for your purchases or using linked PayPal account.

          Purchases using a linked account without the use of the NAB Credit Card or NAB Visa Debit Card (e.g. by direct credit from your NAB Internet Banking facility, Paypal, BPay or Secure Pay or any other payment facility) will not be covered.

  • +3 votes

    We are unable to proceed with activation as you have already activated this policy. If you require assistance with the details of your coverage, please contact us.

  • +8 votes

    Cross border disclosures of your personal information

    What is our approach to disclosing your information to third parties and overseas recipients?

    Aon may disclose personal information to our overseas related bodies corporate (please visit the Aon Website for a list of our worldwide office locations) and third parties who we believe are necessary to assist us in providing the relevant services and products to our clients or to enable them to offer their products and services to you.

    For instance, we disclose personal information to the relevant product provider and their representatives, our agents and contractors and related companies (including our Authorised Representatives). We generally limit, however, such use and disclosure of any personal information to the specific purpose for which it was supplied.

    In addition to our affiliates, we may also disclose personal information to third parties such as our contractors, agents and service providers when we outsource certain functions, including market research, direct marketing, claims handling and recruitment. This would also include our third party storage providers, whom we may use from time to time to store information physically or electronically.

    Our affiliates and third parties may be based locally or they may be overseas. Examples include, but are not limited to, the United States of America, the United Kingdom, Ireland, Singapore, India and the Philippines.

    In these circumstances, Aon will generally take reasonable steps to ensure that we have arrangements in place with such parties that prevent them from using or disclosing personal information for any purposes other than our own. However by providing personal information to us, you acknowledge that we may not always be able to guarantee that overseas parties are subject to requirements similar to those contained in the Privacy Act and consent to the disclosure on this basis. If you would like further information about whether your information will be disclosed to overseas recipients, please contact the Privacy Officer (privacyofficer@aon.com).

    Hmm!

    •  

      However by providing personal information to us, you acknowledge that we may not always be able to guarantee that overseas parties are subject to requirements similar to those contained in the Privacy Act and consent to the disclosure on this basis.

      "If you have nothing to hide, you have nothing to fear!"

      The above statement is an untruth.

      •  

        That relates to provisions of the Australian Privacy legislation, which can't govern businesses & others outside Australia.

        The insurer may use its overseas affiliates to provide insurance or investigate claims, requiring sharing beyond Australia

        If you book a holiday with an overseas business, the insurer will likely share information to process your cancelled claim. .

        You are asked to acknowledge privacy of your information can't be protected by overseas bodies under Australian law - pretty standard.

      •  

        How does this relate to GDPR, what happens if I am a resident of the EU activating this service and wanting to have all my personal data deleted?

    •  

      too much fine prints… backed off.
      Don't most credit card providers offer this kind of protection already (AMEX, MCARD etc.)?

      •  

        Better read those policies closely - you're likely paying for it.
        After all, an insurance company will provide their policy, so there will be exclusions & conditions.

      • +2 votes

        But if you're worried about data sharing you wouldn't be using a credit card.

  •  

    When can you make a 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 to travel

    The Department of Foreign Affairs (DFAT) has issued a ‘do not travel’ or ‘reconsider your need to travel’ warning for the destination of your trip overseas

    There’s a fire, flood or burglary at your home

    A relative or business partner unexpectedly passes away

    You need to sit an official examination when you would have been away

    You experience any other unforeseen circumstance outside of your control which necessitates the cancellation of a trip, and is not otherwise excluded under the Policy

    •  

      You experience any other unforeseen circumstance outside of your control

      In theory, this could be almost anything. (Like missing the plane due to your alarm not going off.) But they are pretty vague about what qualifies and what doesn't. I wonder whether this is any different to standard travel insurance.

      •  

        Except the "and is not otherwise excluded under the Policy". Read the posts below to see what is excluded in the full t&c's.

  • +2 votes

    The policy has a 12-month expiry. Not sure if there is ability to renew when 12 months is up. Maybe better to hang on until close to the time of trip to activate, if trip is not imminent yet. Of course, this also runs the risk that it is a time-limited offer (hopefully not).

    •  

      I would guess it expires 12 months after you paid for the trip, the way you are reading it would be an illogic product format.

      •  

        According to the PDS, the trips must meet both these conditions to be covered:

        "Trip(s) means trips booked during the Period of Insurance that contain Pre-Paid Cancellation Expenses for travel that is due to commence also during the Period of Insurance".

        So, pretty limited in scope. If I book the trip while still within period of insurance, but trip starts after the expiry date of cover, I won't be covered.

        • +2 votes

          Most people wouldn't book trips ending 1 year ahead.

          So take out this insurance in the planning stages, pay with PayPal & complete travel within a year of taking out the insurance to be covered (only for unexpected event that causes cancellation before trip begins).

  •  

    Already activated in this January PayPal deal marked as Expired.
    So covered for rest of year.

    Unfortunately my upcoming trip wasn't booked with PayPal due to extra fees.

    •  

      You are right, activated but completely forgotten about it. So it would still be active. But it seems to allow me to activate again, with the 12-month starting from today.

      •  

        Tried to activate & responded with
        We are unable to proceed with activation as you have already activated this policy. If you require assistance with the details of your coverage, please contact us

        As commented above.
        So if it lets you activate, I doubt you activated or are on a different account?

        •  

          Ah, thank you. I did not go through with the activation (but shown the proposed policy with the start/expiry dates), hence did not see the message above. Thinking I would save it until closer to a trip. Well, wording sounds like they will entertain extending cover if contacted and if policy close to expiry - will have to wait and see.

    •  

      Am holding off booking an Aibnb in November because it has a Strict Cancellation policy.
      (Earlier bookings are Flexible, allowing cancellation with full refund near booking date, just losing service fee - only refunded 48 hrs after booking or in exceptional circumstances).

      Forgot to set up payment to PayPal (now set).

      Wonder if this would protect my total Airbnb booking cost on that expensive property??
      That booking is at end of trip, so not a Pre-Trip Cancellation, as would only cancel later in holiday if need to urgently return for family…

      I think policy says "No"😞

      • +1 vote

        I doubt it will be considered Pre-Trip, if your trip has already started.

        I would ask in writing to see what they say about it. It all boils down to what their definition of Pre-Trip is, and whether they will use a generous interpretation.

        • +1 vote

          Given the exclusions,
          Cover is for "unxpected" events leading to cancellation, before trip begins!

          Change of mind is our problem… Not theirs!

  •  

    So have to pay for trip using PayPal to get this cover?

  •  

    Yes.

    Benefit from complimentary Pre-Trip Cancellation Cover when you pay for your trip with PayPal.

  • +1 vote

    Also, the exclusions list is longer under the 'Product Disclosure Statement' link shown on the last confirmation page than the four points shown at the bottom of the first page when you click on the deal link: http://www.tripprotection.com.au/AON_Paypal/media/Paypal/Chu...

    What is Not Covered (exclusions)

    We will not pay for any claims arising directly or indirectly from:
    1. Any change of plans or disinclination on Your part or that of any other person to travel (including due to Your nervous, anxiety or stress disorders unless certified by a Doctor);
    2. Your or Your Relative or Business Partner’s, financial circumstances, contractual obligation or business obligation;
    3. The failure of Your travel agent to pass on monies to operators or to deliver promised services;
    4. A lack in the number of persons required to commence any tour, conference, accommodation or travel arrangements or the negligence of a wholesaler or operator.
    5. Any loss or expense that was not originally purchased through Your PayPal Account;
    6. War, invasion, act of foreign enemy, Civil War, rebellion, revolution, insurrection, military or usurped power;
    7. Any nuclear reaction or contamination, ionising rays or radioactivity;
    8. Any prohibition, regulation or intervention by government authorities;
    9. Any loss or expenses with respect to a Specially Designated List or which if reimbursed or paid by Us would result in Us being in breach of trade or economic sanctions or other such similar laws or regulations;
    10. The refusal, failure or inability of any person, company or organisation, including but not limited to a travel agent, tour operator, accommodation provider, Public Transportation provider, vehicle rental agency or any other travel or tourism services provider to provide services or accommodation due to their Insolvency Event or the Insolvency Event of any person, company or organisation they deal with;
    11. Illegal acts (or omissions) by You;
    12. Action taken by government authorities including confiscation, seizure, destruction and restriction;
    13. Your intoxication by alcohol or drugs not prescribed by a Doctor;
    14. Your travel booked or undertaken against the advice of any Doctor, or for the purpose of seeking medical attention, or after a Terminal Illness has been diagnosed;
    15. Your Pre-existing Medical Condition;
    16. Your childbirth or pregnancy, unless it is due to unexpected medical complications or caused by Accidental Injury or Sickness;
    17. The transmission of any sexually transmittable disease or virus, other than where as a result of an Accidental Injury;
    18. Any errors or omissions in any booking arrangements by You, Your travel agent or any other person acting on Your behalf, including the failure to obtain the relevant Travel Documents for Your Trip;
    19. Consequential loss of any kind including loss of enjoyment or any financial loss not specifically covered in the Policy.
    • +2 votes

      An insurance policy with conditions that make claims difficult or impossible…
      Normally you'd pay a fortune for that😉

    •  

      But lots of those exclusions are pretty normal in policies - not covering war, riots; "self inflicted" reasons like pregnancy, disease, drunk or drugged state, illegal activity; companies stuffing up or governments saying "No";..

      The crux of the policy is covered in the line in the general description "If something goes wrong unexpectedly and you need to cancel" - ie cancellation beyond your control, but not due to "acts of God", bureaucracy, busineses, etc.

      It does not cover change of your plans.

    •  

      So it's worthless.

      •  

        Maybe not if you or a family member gets unexpectedly too sick before trip, leading to cancellation. Better than nothing & it's FREE.

        It's cancellation as the insurer defines it, not what you think it should be. Normal in policies, requiring reading of fine print.

  • +3 votes

    not a deal after reading T&C's

    • +3 votes

      Not really a "deal" even before reading the T&Cs. I would have thought this was something for the forums.

      I'm certainly concerned about this:

      However by providing personal information to us, you acknowledge that we may not always be able to guarantee that overseas parties are subject to requirements similar to those contained in the Privacy Act and consent to the disclosure on this basis.

      But seriously! Those exclusions:

      1. War, invasion, act of foreign enemy, Civil War, rebellion, revolution, insurrection, military or usurped power;
      2. Any nuclear reaction or contamination, ionising rays or radioactivity;

      You couldn't claim if nuclear war broke out?!?

      • +2 votes

        Read an insurance policy?
        Pretty normal conditions, even if you pay lots for it.

        Been like this probably since insurance & lawyers started. Always read the fine print.

      •  

        However by providing personal information to us, you acknowledge that we may not always be able to guarantee that overseas parties are subject to requirements similar to those contained in the Privacy Act and consent to the disclosure on this basis.

        Wording sounds like a way to get your personal details to any company via a proxy.

        But war and nuclear excemptions are common. Can't expect insurance companies to pay out if civilization goes the way of extinction

        •  

          ie in dealing with businesses outside of Australia (which requires sharing of information to validate a claim or to provide insurance by an overseas affiliate), they may not be regulated the same as in Oz regarding the privacy of your information.

          It's correctly spelling out the limits of the Australian Privacy legislation, which does not cover a tour operator in a village in Thailand, etc. It just asks you to acknowledge that fact.

      • -1 vote

        If nuclear war broke out there'd be no one left to claim to lol.

    •  

      It's a deal - with strict limitations. So may be suitable for some, but not you apparently. Safe travels!

  • +1 vote

    Blah what poor timing literally paid for plane ticket with paypal this morning. Oh wells.

    •  

      Could have taken up same deal in January. Sure you didn't?
      But it's pretty useless insurance covering limited unexpected events beyond your control, causing cancellation only before trip.

      •  

        Nah, I clicked on this link and said I haven't activated the offer. True it's pretty useless, the only one I really care about for this would be the fall ill one anyways. Oh wells.

        •  

          For its limitations, at the price I think it's worth it👍

          Checked it out in last deal & signed up, just in case. But then forgot to book upcoming trip with PayPal.

          I am carer for an elderly relative, which would mean a cancellation if he got very sick. Better not tell him that😞

          But policy might not pay out even if I paid by PayPal (depends on circumstances) & $500 isn't much for many travellers expenses.

          •  

            @Infidel:

            For its limitations, at the price I think it's worth it👍

            Actually, for some, despite the price, it may not be worth it if :

            • you are also relying on the free credit card insurance, and
            • the credit card in question does not accept PayPal payments as acceptable transactions for cover, as per this comment.

            Best to check with your credit card, because the credit card insurance is most likely way better than this limited PayPal cover.

            •  

              @bluesky: Or if you pay for a better policy.

              If you already have an alternative like a CC & follow its conditions - use it. For many, that's why they generally pay extra for that benefit. Don't add another policy when you have a better one!

              Still, it's better than nothing was my point.

              I've only bought travel insurance on my first trip overseas when I didn't know better, because every one told me I had to have it. Never needed it.

              I've travelled overseas exploring in interesting places for almost 2 decades, up to 9 months a year for many years, I have never had insurance (including CC policy) & would never have needed to claim if I had.

              I've been caught in earthquakes with enormous death tolls (86k dead or lost in Sichuan - I did what little I could, making & serving tea through the first night), but just changed my plans at no or little cost. (Good if you can adapt, but not possible for many.) Icelandic volcano eruption after I arrived in UK, significantly changed plans for 3 month trip in Europe.

              I've never cancelled a trip before it started, & only came home early once (2011 Japan earthquake - couldn't take the Aftershocks in Tokyo).

              So it is best to consider the options & read the fine print. It's a personal choice of what suits you & your conditions. Certainly don't follow my choices😉

              •  

                @Infidel: Well, not excluding other alternatives - my comment was very specific in terms of the circumstance it applies to. More to alert those who fit into this group, and may not be aware of this.

  •  

    Seems the deal is for only one year.

    It's very nice. Though you will likely still be out of pocket.

    Can you still get free travel insurance with a platinum CC if you pay via paypal?

  • +1 vote

    is it even worth the paper it's written on?

  •  

    My friend and I are thinking of jumping on the Return for Free Japan deal but there's a chance we might need to cancel our trip if my friend can't come (they might have relatives visiting).

    If we both pay with PayPal, could we both claim pre-trip cancellation once he finds out when his relatives are visiting?

    • +1 vote

      ❎ No! Only if unexpected event beyond your control occurs that prevents you from travelling (eg you or close family member becomes ill or dies, etc).

      You or friend deciding not to travel is excluded!!
      See t&c now in Deal Description & discussed.
      That's the way insurance tends to work - protecting against the unexpected (*exclusions apply)😞

      This deal is primarily to generate more purchases through PayPal, by people believing (as you did) that they would be covered for cancelling their trip😱

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