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Protección para estancias para residentes en Australia

Travel is rewarding, but sometimes things don’t go as expected. People get sick, flights get canceled, and bags go missing. To help protect you financially, there’s Stay Protection. 

Airbnb guests who live in Australia can add Stay Protection for their Airbnb reservation on the checkout page or after booking. The stay protection policy is underwritten by Chubb Insurance Australia Limited and offered by Airbnb Australia Insurance Services Pty Ltd.

Don’t live in Australia? Travel insurance is also available to residents of the United States, United Kingdom and certain countries in the European Union, certain provinces in Canada, and reservation insurance is available to residents of France. And guests everywhere can purchase travel insurance outside of Airbnb, directly through a travel insurance company’s website or by shopping around on a comparison site.

Adding Stay Protection to your reservation

If your reservation is eligible, you’ll be given the option to add Stay Protection on the checkout page. 

Before adding Stay Protection to your reservation, be sure to review the combined Product Disclosure Statement & Financial Services Guide and the Target Market Determination to make sure it’s right for you.

Shortly after your Stay Protection purchase is confirmed, you’ll get an email that includes a copy of your Stay Protection policy, as well as a link to your plan details page, where you cancel your Stay Protection, start a claim, and more.

Making changes to your reservation

Your Stay Protection policy will be automatically updated if the dates of your Airbnb reservation change and there is no claim on the existing policy. If the change impacts the total price of your reservation, you’ll be charged or refunded an adjusted amount for your Stay Protection. You will not receive a refund if you've already started your trip, or you've made a claim against the policy.

What's covered

Stay Protection through Chubb Australia covers:

  • Trip cancellation and amendment: Get reimbursed for up to 100% of your Airbnb reservation cost if you need to cancel or cut short your trip for a covered reason, such as unforeseen illness, injury, flight cancellation due to weather, or you can't stay at the listing you booked due to a natural disaster.
  • Emergency overseas medical: Get unlimited cover per person (for international trips), subject to certain benefit limits, for approved overseas emergency medical services during your trip, such as hospital and ambulance services. Note that pre-existing medical conditions are not covered, as outlined below.
  • Emergency medical evacuation: Unlimited per person. In case of medical emergencies, get covered for evacuation or transportation and other expenses to get to a hospital.
  • Flights and other transport: Get up to $1,000 AUD per person (domestic) or up to $5,000 AUD per person (international) if you or a guest in your group has to cancel transportation (such as flights or ferries) to or from your Airbnb reservation for a covered reason. To be covered, the original travel itinerary must have been within 48 hours from your Airbnb reservation. All transportation has to have been pre-planned and non-refundable.
  • Missed connecting flight: For international plans, get reimbursed up to $10,000 AUD per person if you or a guest in your group missed a flight connection due to your incoming connecting flight arriving late. To be covered, your original travel itinerary must be within 48 hours of your Airbnb reservation.
  • Rental vehicle excess: Get reimbursed up to $5,000 AUD if you or a guest in your group rents a vehicle, gets into an accident, and has to pay the rental vehicle excess.
  • Flight delay: Get reimbursed up to $250 AUD per person if your flight is delayed for 6 hours or more, or if you are denied boarding due to overbooking and not offered an alternative for 6 hours or more. You may be eligible for more if your flight is delayed by another 24 hours, after the first delay, up to a total of $500 AUD per person (domestic) or $2,000 AUD per person (international). To be covered, your original travel itinerary must be within 48 hours of your Airbnb reservation.
  • Luggage delay: Get reimbursed up to $500 AUD per person for clothing, toiletries, and certain other expenses if the arrival of your checked-in baggage is delayed for 24 hours or more. You may be eligible for another $500 AUD per person if your luggage is delayed for a further 24 hours.
  • Lost, stolen, or damaged personal possessions: Get reimbursed up to $5,000 per person for loss, theft or damage of baggage and other personal items, and personal electronic devices (up to $4,000).
  • Passport and travel documents: Get reimbursed up to $500 AUD per person for expenses you incur if your passport is lost or stolen outside your home country during your trip.
  • Permanent disability: Get $25,000 AUD per person (domestic) or $100,000 AUD per person (international) if you or a guest in your group suffers an injury that causes a permanent disability. The disability must be diagnosed within 12 months of being injured.
  • Accidental death: Get up to $25,000 AUD per adult (domestic) or up to $100,000 AUD per adult (international) if you or a guest in your group dies due to injury or disappears while traveling on public transportation. This benefit has a $250,000 AUD (domestic) and $1,000,000 AUD (international) policy limit.

    What’s not covered

    • Any event that occurs more than 48 hours before or after your Airbnb stay, except for events leading to a cancellation claim.
    • Travel cancellation or delay where your original travel itinerary was more than 48 hours from your Airbnb stay.
    • Pre-existing medical conditions, change of mind, traveling against medical advice, participation in excluded sports and activities.

    For full details about what is and isn’t covered, review the Product Disclosure Statement (PDS).

    Coverage for COVID-19

    Although pandemics aren’t covered by travel insurance, COVID-19 may be covered in some situations because it’s an illness. However, your policy does not cover trip cancellation, curtailment or change due to border closures caused by COVID-19, or mandatory quarantine. 

    Refer to the Product Disclosure Statement for more details. 

    Who's covered

    Stay Protection covers you and anyone you are traveling with who meets the eligibility criteria and will stay, or who intends to stay, at least one night at the Airbnb reservation. These people don’t have to be added to the Airbnb reservation or named on the policy in order to be covered, and there are no age restrictions. For full details, review the Product Disclosure Statement (PDS).

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    Canceling your plan

    Australian residents can cancel their Stay Protection within 14 days from the policy issue date for a full premium refund. Premium is not refundable after this 14 day cancellation period, unless the Airbnb Accommodation is canceled by the host or by Airbnb. Please note that you can’t cancel your stay protection after you’ve departed on your trip or started a claim, even if you’re within your cancellation period.

    To cancel your plan, just go to your plan details page and select Cancel plan.

    Making a claim

    Claims are handled by Chubb from start to finish. You start a claim by going to your plan details page and selecting Start a claim, or by contacting Chubb directly.

    How to get help

    If you have questions about your stay protection or need help with a claim, contact Chubb by calling 1-800-425-586 or send an email to: airbnb.au@chubb.com.

    For overseas medical and travel emergencies, call +61-2-8907-5666.

    Chubb Insurance Australia Limited ABN 23 001 642 020 AFSL No. 239687 (Chubb) is the issuer of this product and Airbnb Australia Insurance Services Pty Ltd ABN 66 681 023 389 (Airbnb) distributes this product. Airbnb is an Authorised Representative of Chubb (AR number: 001311886). Chubb and Airbnb do not consider your objectives, financial situation or needs; any advice provided is general only. To decide if the product is right for you or for information on how to contact Chubb and Chubb’s dispute resolution process, read the Combined Product Disclosure Statement (PDS) and Financial Services Guide (FSG) and Target Market Determination (TMD). Please also see the Chubb Privacy Policy. Cover is subject to terms, conditions, exclusions and limits apply.

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