7
Even if the medical provider agrees to bill Chubb directly, you remain responsible for your balance
due until the transaction completes and your medical facility account shows a $0 balance. There may
be medical costs that are not covered by the travel insurance policy, or the amount transferred by the
travel insurance company may not pay off the entire amount due because of currency exchange rates and
wire transfer fees. You will have to pay any difference directly to the medical provider. You may be able to
submit claims to your personal health insurance for reimbursement of expenses not covered by the travel
insurance. Rules and conditions may apply.
20. Are there any countries where the travel insurance won’t provide coverage, like countries
deemed to be at a high risk for travel?
Coverage is limited in the U.S., your home country, war risk excluded countries, and any OFAC
excluded countries. Home country is defined as a country where you have your true, fixed and
permanent home and principal establishment or the United States. If you are traveling to your home
country, a war risk excluded country, or an OFAC excluded country contact your campus Tavel Risk
Manager to understand the limitations of the travel insurance while you are there.
War risk coverage is excluded when travel is in the US, your home country, Afghanistan, Belarus,
Gaza, Israel, Lebanon, Russia, Ukraine, West Bank, and Yemen. War risk coverage generally refers to
coverage for losses (loss of life or other injuries) resulting from war-related events. Other medical and
non-medical benefits, including the security evacuation benefit, remain in effect in these countries.
If you travel to a country in which sanctions have been imposed by the U.S. Department of the
Treasury’s Office of Foreign Assets Control (OFAC) to limit travel and doing business, Chubb-AXA
Global Travel Assistance may not be able to pay medical bills on your behalf. You need to be prepared
to pay out-of-pocket for any emergency. Coverage may be limited, but you should file claims for any
medical expenses incurred. Review the Export Control & Compliance International Travel web page
for a list of countries currently under comprehensive OFAC sanctions.
21. What countries are under comprehensive OFAC sanctions, and what do I need to do if I plan
to travel to one of these countries?
Review the Export Control & Compliance International Travel web page to see a list of countries under
comprehensive OFAC sanctions. This list can change. Contact your campus Export Control Office if
you think your destination may be under OFAC sanctions. Keep in mind that you may be required to get
a specific license before traveling to countries where there are comprehensive OFAC sanctions, and this
may take up to three months.
UC has obtained a “Specific Educational License” from OFAC, on behalf of the ten campuses to
permit qualified UC students, faculty, and staff to travel to Cuba for educational purposes. The license
is valid systemwide and is renewed annually. If you plan to travel to Cuba contact your campus Export
Control Office for guidance.
Additionally, two of UC’s travel insurance providers require Cuba travelers to complete travel
certification forms and submit them to their campus Travel Risk Manager, with cc: to the campus
• AIG Cuba Travel Certification – AIG Cuba Travel Certification Attachment
• Chubb Cuba Travel Form
22. What countries are excluded from the ‘war risk’ travel insurance benefit, what does this
mean, and what do I do if I plan to travel to one of these countries?
War risk coverage is excluded when travel is in the US, your home country, Afghanistan, Belarus,
Gaza, Israel, Lebanon, Russia, Ukraine, West Bank, and Yemen. War risk coverage generally refers to