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Chubb Insurance: Change your policy wording. You have a moral obligation

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I purchased a one flight to Germany using my NAB credit card. The transaction occurred on the 29/12/2013. If flight was purchased using 50 % or more with the credit card then complementary free travel insurance is included.

The travel date was planned for the 9/7/2014. On the  23/6/2014 I received news from my sister in law/ nephew that my brother was placed in a hospice and he only had a few days to live, approx. 2-3 days.

I was advised by travel agent to contact the insurance company and lodge a claim with them as I have travel insurance and that this was not a pre exiting condition and claim cost for the ticket, for the amendment to travel sooner.

 A claim was lodged with the Chubb Insurance for approx. cost $5000 to get the next flight out which was only in business class section. As I have not heard from the company I found a flight with the same carrier but on the 29/6/2014.

 An additional $1400 for that flight was paid. I had to call Chubb Insurance several times over the next two days to ascertain the results of my claim.

To my disgust and horror I was advised by Chubb Insurance over the phone that they would not honour the claim as my brother was not an Australian resident. Due to the delay of getting on an early flight I my brother passed away.

The company did not write to me by mail and I was rejected over the phone. I further contacted the company over the next day to see if they changed their position and this was not the case. What I am seeking is that the company change the wording in the policy to include non Australian residents. The policy stated sibling . A sibling by oxford dictionary "Each of two or more children or offspring having one or both parents in common; a brother or sister."

He was my brother by blood line and no wording such as Australia Citizen can change this.

Due to the delay in making a decision by Chubb Insurance, the remaining seats were sold. I only had 2-3 days’ time to reach Germany.



What I am seeking is the wording to be changed as well as the $1400 refunded under the policy. Half of the funds to be paid to a cancer fund research of my choosing the other half paid to myself.


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