Travel insurance

Philippines: Best Travel Insurance Plans in 2025

Insurances
Rating
Features
Our opinion
Our Offers
See our methodology
Deductible
30 $
Essential medical costs
Up to 300 000 $
Repatriation costs
100 % of actual costs
Maximum trip duration
1 year
Loss / theft / delay of luggage
Up to 1 150 $
Deductible
30 $
Essential medical costs
Up to 300 000 $
Repatriation costs
100 % of actual costs
Maximum trip duration
1 year
Loss / theft / delay of luggage
Up to 1 150 $
  • Assistance guarantee - medical repatriation
  • Direct cover for hospitalisations longer than 24 hours
  • Liability insurance private life
  • Individual accident insurance
  • Assistance guarantee - medical repatriation
  • Direct cover for hospitalisations longer than 24 hours
  • Liability insurance private life
  • Individual accident insurance
More information
Our detailed review

The ACS Globe Partner Travel Insurance policy provides a comprehensive set of benefits designed to ensure security and financial coverage for travelers. A significant feature of this insurance is the excess, which is set at $100 per claim and per file across various benefits, including legal liability, medical expenses, and luggage claims. This ensures that policyholders bear a minimal out-of-pocket cost before the insurance coverage takes effect. The presence of a fixed excess amount simplifies the claims process, allowing travelers to anticipate their potential costs in case of an incident.

The maximum amount for essential medical costs covered under this policy is $300,000 per person per year, which includes expenses related to hospitalization, surgery, consultations, pharmacy needs, and paramedical care. The insurance covers 100% of actual costs for hospitalization and surgery, ensuring that policyholders do not have to worry about medical expenses exceeding their coverage limit. Additionally, emergency dental treatment is covered up to $300, while dental treatment following an accident extends up to $600, providing a sufficient level of protection for dental emergencies. Notably, students benefit from extended emergency medical coverage of up to $15,000 in their country of residence during school holidays, making this an attractive option for young travelers studying abroad.

The maximum trip duration for this insurance is structured in a way that allows flexibility for travelers. The policy can be subscribed to for a fixed term of up to 12 months and can be renewed twice, allowing for extended coverage up to a total of three years. However, renewal is contingent on maintaining continuous coverage without interruption. The insurance is specifically designed for travelers under the age of 40, which means it is particularly suitable for students, young professionals, and long-term travelers who require consistent coverage during their stays abroad.

The flight delay and cancellation compensation ensures travelers are not left out of pocket due to unforeseen travel disruptions. The insurance provides early return benefits if a policyholder must return home due to the death of an immediate family member, covering actual transport costs. In the event of hospitalization exceeding seven days, a relative or friend can be flown in, with expenses for transportation and accommodation covered up to $80 per night for a maximum of 8 nights. If travelers need to extend their stay due to medical reasons, the policy covers additional accommodation costs of $80 per night for up to 15 nights, ensuring financial security during unexpected health-related disruptions. Furthermore, medical repatriation and transport costs are fully covered, guaranteeing policyholders access to appropriate medical facilities when necessary.

The luggage cover provides compensation for personal belongings lost, stolen, or damaged during transit, with a maximum benefit of $1,150 per claim. This coverage applies specifically to luggage during the outward and return journey and includes reimbursement for theft, total or partial destruction, or loss during transport by a carrier. However, specific exclusions apply, including jewelry, electronic devices, professional equipment, musical instruments, food, and high-value items. The claim process requires supporting documents such as a police report, transport company loss statement, and purchase receipts. Compensation is calculated based on the replacement value with depreciation applied, ensuring a fair valuation for lost or damaged items.

Beyond these primary features, the policy offers several additional benefits that enhance its attractiveness. Legal liability coverage is provided, with $4.5 million for personal injury claims and $450,000 for property damage, ensuring strong protection against third-party claims during the trip. Coverage extends to objects entrusted to the policyholder during a traineeship or internship, with a compensation limit of $11,500, making this an appealing option for young professionals or students engaged in work placements abroad. Search and rescue costs are covered up to $3,000, providing security for those engaging in outdoor or adventure activities.

The policy includes legal assistance up to $3,000, and bail bond advances up to $7,000, offering financial support in case of legal troubles while traveling. Additionally, an advance of funds up to $700 is available in the event of theft or loss of payment methods, ensuring policyholders have access to emergency cash when needed. Funeral costs in the event of death are covered up to $1,500, while full repatriation of the body is covered at actual costs, providing peace of mind for loved ones.

In summary, the ACS Globe Partner Travel Insurance offers a well-balanced and comprehensive coverage plan tailored for young travelers, students, and professionals abroad. With reasonable excess fees, strong medical expense limits, generous trip duration allowances, extensive repatriation and assistance benefits, and reliable luggage protection, it provides solid protection in various travel scenarios. The addition of legal liability coverage, emergency fund advances, and search and rescue costs further enhances its appeal, making it a strong contender for travelers seeking dependable and extensive travel insurance coverage.

Deductible
$0
Essential medical costs
Up to 10 000 000 $
Repatriation costs
Unlimited
Maximum trip duration
1 year
Loss / theft / delay of luggage
1 700 $
Deductible
$0
Essential medical costs
Up to 10 000 000 $
Repatriation costs
Unlimited
Maximum trip duration
1 year
Loss / theft / delay of luggage
1 700 $
Best value for money
  • Intuitive Heymondo app
  • Registration in English
  • Guaranteed refund
  • Up to 49 years
Pros
Cons
  • Intuitive Heymondo app
  • Registration in English
  • Guaranteed refund
More information
Our detailed review

Heymondo’s International Travel Insurance offers travelers a comprehensive and customizable coverage plan, ensuring peace of mind during both international and domestic journeys. One of the standout features of this policy is the absence of any deductible or excess, meaning that policyholders are not required to pay any out-of-pocket expenses before the insurance coverage takes effect. This feature simplifies the claims process and provides immediate financial relief in case of unforeseen events.

The policy provides substantial coverage for essential medical costs, with limits reaching up to $10,000,000 USD. This extensive coverage encompasses medical expenses incurred abroad due to sudden illness or accidental injury, including hospitalization, prescription medications, and inpatient physical therapy. Emergency dental treatments aimed at alleviating acute and sudden pain are also covered. Additionally, the insurance includes medical transportation and repatriation services, ensuring that policyholders can be safely returned to their home country if necessary. In cases where hospitalization extends beyond seven days, the policy covers travel and lodging expenses for a family member to accompany the insured, providing emotional support during challenging times.

Regarding trip duration, Heymondo’s policy is designed to accommodate various travel plans. For frequent travelers, the Annual Multi-Trip Travel Insurance covers all trips taken within a year, provided each trip does not exceed 60 days. This flexibility is ideal for individuals embarking on multiple journeys throughout the year, whether for leisure or business purposes. For those planning extended stays, the Long Stay Travel Insurance offers coverage for trips longer than 90 days, catering to long-term travelers, digital nomads, and individuals on assignments abroad.

In the event of travel disruptions, the policy offers compensation for flight delays and cancellations. If a trip is canceled due to covered reasons, such as a positive COVID-19 test or the serious illness or death of a close relative, the policy reimburses up to $7,000 USD for pre-paid, non-refundable expenses. This coverage must be purchased within seven days of the initial trip booking to be valid. For delays caused by public transport issues, the policy reimburses accommodation, meals, and refreshments, ensuring travelers are not left out-of-pocket due to unforeseen delays. Additionally, if a missed connection occurs due to the late arrival of an incoming flight, the insurance covers essential expenses, including the purchase of an alternative flight ticket if necessary.

The luggage coverage under this policy is designed to protect personal belongings against theft, loss, or damage. Policyholders are entitled to compensation of up to $2,500 USD in such events. In cases where checked baggage is delayed or misdirected by the carrier, the policy reimburses the purchase of necessary personal effects, ensuring travelers have access to essential items while awaiting their luggage. Furthermore, if official documents such as passports or visas are lost or stolen, the insurance covers the administrative expenses incurred for their replacement, alleviating the stress associated with such incidents.

Beyond these core features, Heymondo’s International Travel Insurance includes several additional coverages that enhance its appeal. Personal liability coverage of up to $2,000,000 USD protects against claims for bodily injury or property damage to third parties, including legal costs and expenses. The policy also offers compensation of up to $60,000 USD for accidental death or permanent disability resulting from incidents during the trip. For those planning to engage in adventure sports, an optional add-on extends coverage to activities such as white-water rafting, diving up to 20 meters, and bungee jumping, ensuring thrill-seekers are adequately protected. Additionally, coverage for electronic equipment is available, safeguarding valuable items like laptops, tablets, and cameras against theft or damage. The policy also addresses unforeseen events such as natural disasters, covering additional accommodation and transportation costs incurred during the trip due to events like floods, earthquakes, or hurricanes. For travelers renting vehicles, the insurance provides coverage for rental car excess up to $500 USD, offering financial protection against potential damages or theft of the rented vehicle.

To further enhance user experience, Heymondo offers a Travel Assistance App, providing 24/7 medical chat support, free online assistance calls, and efficient claims management, all accessible from the convenience of a mobile device. This app ensures that help is readily available, streamlining the process of seeking assistance and managing claims.

In summary, Heymondo’s International Travel Insurance stands out for its comprehensive coverage, absence of deductibles, and flexibility in accommodating various travel durations. The inclusion of extensive medical coverage, robust trip interruption benefits, generous luggage protection, and a suite of additional coverages makes it a compelling choice for travelers seeking reliable and extensive insurance protection. The user-friendly Travel Assistance App further enhances the policy’s attractiveness, ensuring that support is always within reach, no matter where the journey leads.

Deductible
20 % of the claim
Essential medical costs
1 000 000 $
Repatriation costs
Not covered
Maximum trip duration
90 days
Loss / theft / delay of luggage
3 000 $
Deductible
20 % of the claim
Essential medical costs
1 000 000 $
Repatriation costs
Not covered
Maximum trip duration
90 days
Loss / theft / delay of luggage
3 000 $
  • Renewal possible
  • Cover for sports included
  • Covid guarantee
  • 24/7 assistance
  • Cancellation insurance optional
  • Renewal possible
  • Cover for sports included
  • Covid guarantee
  • 24/7 assistance
  • Cancellation insurance optional
Our detailed review

The Chapka Cap Assistance 24/24 Travel Insurance offers a well-rounded and extensive package designed to provide financial security for travelers in various situations. A fundamental aspect of this insurance is the excess, which applies to specific claims, ensuring that policyholders share a portion of the costs before receiving compensation. Although the exact amount of the excess is not explicitly detailed in every section, the policy states that for medical expenses abroad, the insured must first use any available national healthcare coverage before additional expenses are reimbursed. This ensures that policyholders maximize existing benefits before claiming through the travel insurance, making it a practical option for those who already have partial coverage. In the event of a claim, prior authorization from the assistance center is required, which helps manage costs and streamline the reimbursement process.

A key feature of this policy is the coverage for essential medical costs, which varies depending on the geographical region. In Zone 1 (Europe, Israel, Morocco, Tunisia), coverage extends up to $100,000 per insured person. In Zone 2 (Worldwide excluding specific high-risk countries), the limit increases significantly to $500,000 per insured person, while for Zone 3 (including high-cost countries like the USA, Canada, Thailand, Mexico, India, and Indonesia), the maximum coverage reaches $1,000,000 per insured person. This coverage includes hospitalization, surgery, paramedical care, consultations, and emergency prescriptions, ensuring that travelers have financial security in case of unexpected medical events. Additional benefits include emergency dental care up to $300 per person, along with search and rescue costs up to $10,000 per person and $30,000 per event, which can be particularly useful for travelers engaging in adventure or outdoor activities.

Regarding maximum trip duration, this insurance policy covers trips lasting up to 90 consecutive days. This limitation ensures that the policy is best suited for short- to medium-term travelers rather than those planning long-term stays abroad. Any trip exceeding 90 days is not covered, meaning policyholders looking for extended coverage beyond this period would need to explore alternative long-term insurance options. This makes the policy ideal for frequent travelers, digital nomads on short-term stays, and students or professionals on temporary assignments abroad.

The flight delay and cancellation compensation provided under this policy is structured to offer financial relief in cases of significant travel disruptions. For flight delays, compensation of up to $250 per insured person is available if a scheduled flight is delayed by more than four hours (for standard flights) or six hours (for charter flights). In the case of a missed flight, policyholders are reimbursed 80% of the total cost of the original ticket, up to a maximum of $8,000 per person. Additionally, for a missed connection due to a delay of more than six hours, the insurance covers accommodation, meals, and transfer costs up to $100 per insured person, ensuring that travelers are not left stranded due to circumstances beyond their control.

The luggage cover ensures protection against theft, total or partial destruction, or loss during transport by an airline or transport company, with compensation reaching a maximum of $3,000 per insured person. This is particularly valuable for those carrying expensive items, as it provides significant reimbursement in case of loss or damage. Precious objects, including electronics and jewelry, are covered up to 50% of the total luggage cover, meaning a maximum of $1,500 per insured person. In addition, compensation for delayed baggage is available, offering up to $300 per insured person for essential purchases in the event of a delay. Further financial protection is offered through the reimbursement of travel document restoration costs, up to $150 per insured person, providing peace of mind in the event of passport or ID loss.

Beyond these core features, the policy includes a range of additional benefits that further enhance its value. Personal liability insurance abroad is covered up to $4.5 million per event for bodily injury and $300,000 per event for property damage, ensuring strong protection against third-party claims. Legal expenses abroad are covered up to $20,000 per litigation case, offering travelers financial support in legal disputes that may arise during their trip. Trip interruption coverage provides reimbursement of unused ground services, up to $7,500 per person and $35,000 per event, ensuring that unforeseen situations requiring an early return do not result in substantial financial losses.

For those traveling with pets, the policy offers return ticket reimbursement of up to $250 per event, covering expenses related to bringing pets home in case of repatriation. Additionally, sports equipment protection ensures reimbursement of up to $300 per event for stolen or damaged equipment, making it a suitable option for travelers engaged in sports activities. Home assistance coverage is also available in case of incidents at home while traveling, including emergency accommodation costs up to $80 per night for up to five nights.

In conclusion, the Chapka Cap Assistance 24/24 Travel Insurance offers well-balanced and extensive coverage for short- to medium-term travelers, providing strong medical expense benefits, flexible trip duration options, robust travel disruption compensation, and generous luggage protection. The inclusion of high personal liability coverage, legal assistance, trip interruption compensation, and additional covers for pets and sports equipment further strengthens its appeal. While the 90-day trip duration limit may not be ideal for long-term travelers, this policy remains an excellent choice for holidaymakers, business travelers, students, and digital nomads looking for extensive and reliable insurance coverage during their trips.

Deductible
50 $
Essential medical costs
Up to 700 000 $
Repatriation costs
Up to 1 000 $
Maximum trip duration
1 year
Loss / theft / delay of luggage
3 000 $
Deductible
50 $
Essential medical costs
Up to 700 000 $
Repatriation costs
Up to 1 000 $
Maximum trip duration
1 year
Loss / theft / delay of luggage
3 000 $
  • Access to Telemedicine (online doctor)
  • Coverage for quarantine of $1,000
  • 24/7 assistance
  • COVID-19 cover
  • Access to Telemedicine (online doctor)
  • Coverage for quarantine of $1,000
  • 24/7 assistance
  • COVID-19 cover
More information
Our detailed review

The MondialCare World Travel Insurance policy provides a broad and well-structured range of benefits for travelers, ensuring financial security across multiple aspects of their journey. A key component of this policy is the excess, which is applied to medical reimbursements and other claims. For medical expenses incurred abroad, a $50 deductible is applied per claim, ensuring that travelers contribute a manageable amount before the insurer covers the remaining eligible expenses. This excess remains relatively low compared to many other travel insurance policies, making it accessible while maintaining substantial protection.

The maximum amount of essential medical costs covered varies depending on the circumstances and the traveler’s location. The policy offers comprehensive medical and hospitalization coverage, ensuring that necessary treatment, hospitalization, and specialist care are provided without undue financial burden. Medical repatriation costs are fully covered, allowing insured individuals to be transported to an appropriate medical facility if required. Additionally, emergency dental care is covered up to $250, ensuring financial relief for unexpected dental issues during travel. Another standout feature is the advance payment for hospital expenses, which allows for direct payment to healthcare facilities instead of requiring policyholders to pay upfront and wait for reimbursement. This is particularly beneficial for those traveling to destinations with high medical costs.

The maximum trip duration under this policy is set at 90 days per trip, making it suitable for short- to medium-term travelers, including tourists, business travelers, and expatriates on temporary assignments. Coverage applies worldwide, with the policy catering to individuals traveling for leisure, work, or study. However, it does not automatically renew, requiring policyholders to extend coverage manually if they plan to travel beyond the initial insured period. The 90-day limit ensures that coverage remains adaptable to most travel needs while maintaining strong protection for extended stays abroad.

The flight delay and cancellation compensation under this policy provides essential financial support in cases of travel disruptions. Compensation of up to $250 per insured person is granted for flight delays exceeding four hours for scheduled flights and six hours for charter flights. If a traveler experiences a missed connection due to a delay exceeding six hours, the insurance covers additional accommodation, meals, and transfer costs up to $100 per insured person. Additionally, if the insured is denied boarding due to overbooking or temperature-based health screenings, a fixed compensation of $50 is provided. In the case of trip cancellation, the policy covers 100% of ticket costs due to medical emergencies, visa rejections, serious damage to the insured’s home, or the death of a close family member, ensuring financial protection against unforeseen events. However, cancellations due to strikes or carrier-related issues are excluded, limiting its applicability in certain situations.

The luggage cover provides extensive protection for travelers’ personal belongings, offering compensation of up to $3,000 per insured person in case of theft, loss, or damage. Valuables, including electronics, jewelry, and watches, are covered up to 30% of the total luggage allowance, ensuring that travelers carrying high-value items receive adequate compensation. Additionally, baggage delays exceeding 24 hours qualify for reimbursement of up to $250 to cover essential replacement items such as clothing and toiletries. Loss of travel documents, including passports and visas, is covered up to $150, facilitating swift replacement in the event of theft or misplacement.

Beyond these fundamental features, the policy includes several additional benefits that further enhance its attractiveness. Personal liability coverage is extensive, with a limit of $4.5 million per event for bodily injury claims and $300,000 for property damage, ensuring strong protection against third-party claims. Legal assistance of up to $20,000 is available to support insured individuals in legal disputes while abroad. Search and rescue operations are covered up to $5,000, providing essential financial aid for travelers engaging in adventure activities or remote-area travel.

Further benefits include trip interruption coverage, which reimburses up to $7,500 per insured person and $35,000 per event for unused travel expenses due to emergencies requiring an early return. Psychological assistance is also provided in the event of severe trauma or injury, covering consultation costs with a licensed psychologist. Additionally, evacuation due to political unrest or natural disasters is covered, ensuring travelers can return home safely in case of unexpected events in their destination country.

Overall, the MondialCare World Travel Insurance policy offers a well-balanced and extensive coverage plan, making it an excellent choice for short- to medium-term travelers looking for strong medical coverage, comprehensive trip protection, and generous baggage compensation. The inclusion of high personal liability limits, legal assistance, search and rescue benefits, and trip interruption compensation enhances its value, ensuring that policyholders have access to one of the most adaptable and reliable travel insurance options available. The combination of moderate excess, strong medical benefits, flexible trip duration, and broad additional protections ensures that travelers can embark on their journeys with confidence, knowing they have robust and comprehensive travel insurance coverage.

Deductible
500 Php
Essential medical costs
2 500 000 Php
Repatriation costs
2 500 000 Php
Maximum trip duration
180 days
Loss / theft / delay of luggage
50 000 Php
Deductible
500 Php
Essential medical costs
2 500 000 Php
Repatriation costs
2 500 000 Php
Maximum trip duration
180 days
Loss / theft / delay of luggage
50 000 Php
  • Assist America global emergency services included
  • Limited coverage for hand-carried baggage losses
  • Excludes epidemics/pandemics like COVID-19 post-trip
Pros
Cons
  • Assist America global emergency services included
At an agency
Our detailed review

Although the travel insurance from Malayan Insurance Company includes Assist America services that provide worldwide emergency assistance, this product has many weaknesses. First, the coverage for medical expenses has strict limitations: for example, room and board is limited to PHP 15,000 per day, and many conditions such as mental health issues, pre-existing conditions, and dengue are not covered. Second, the trip cancellation benefit has a high deductible (PHP 500) and only covers very limited situations, such as the death of a relative or a court subpoena. Third, the protection for personal belongings is very restrictive — hand-carried baggage is not included, and many common items such as laptops, gadgets, and jewelry are also excluded. Additionally, some services considered “essentials,” such as coverage for sporting activities, have limited benefits and come with their own deductibles. The only positive aspect of this insurance is the broad access to emergency services through Assist America. And for all these reasons, this is why we do not recommend the travel insurance from Malayan Insurance Company.

Deductible
Not stated
Essential medical costs
2 500 000 Php
Repatriation costs
Actual cost
Maximum trip duration
Up to 184 days
Loss / theft / delay of luggage
50 000 Php
Deductible
Not stated
Essential medical costs
2 500 000 Php
Repatriation costs
Actual cost
Maximum trip duration
Up to 184 days
Loss / theft / delay of luggage
50 000 Php
  • Covers COVID-19 emergency treatment and evacuation
  • Excludes COVID-related cancellations at boarding or fear of travel
  • Limited payout for baggage, especially valuable items
Pros
Cons
  • Covers COVID-19 emergency treatment and evacuation
At an agency
Our detailed review

Pioneer’s “SafeTrip with COVID-19” travel insurance offers decent medical coverage—up to PHP 2.5 million—and a clear focus on pandemic-related needs, including hospitalization and repatriation. However, there are several significant drawbacks. First, trip cancellation coverage excludes situations related to COVID-19 fear or denied boarding, which are common travel realities today. Second, the policy’s baggage protection is restrictive, with a PHP 5,000 cap per item and total limits that fall short for travelers carrying electronics or high-value goods. Additionally, the policy does not clearly specify the deductible/excess amounts, which reduces transparency for consumers. While the COVID-19 medical coverage is a strong point, the exclusions and low limits on other benefits make this plan less competitive in the international travel insurance market. And for all these reasons, this is why we do not recommend the travel insurance from Pioneer Insurance & Surety Corporation.

Deductible
500 Php
Essential medical costs
2 500 000 Php
Repatriation costs
1 000 000 Php
Maximum trip duration
90 days
Loss / theft / delay of luggage
50 000 Php
Deductible
500 Php
Essential medical costs
2 500 000 Php
Repatriation costs
1 000 000 Php
Maximum trip duration
90 days
Loss / theft / delay of luggage
50 000 Php
  • Includes 24/7 worldwide emergency assistance services.
  • Limited coverage for high-value items in baggage loss.
  • Trip cancellation only covers specific unforeseen events.
Pros
Cons
  • Includes 24/7 worldwide emergency assistance services.
At an agency
Our detailed review

Pacific Cross Insurance’s Worldwide Elite Including Schengen plan offers comprehensive medical coverage up to PHP 2,500,000 and provides 24/7 worldwide emergency assistance, ensuring travelers have support during medical emergencies. However, the policy has notable limitations. The trip cancellation benefit is restrictive, covering only specific unforeseen events, which may not encompass all reasons a traveler might need to cancel their trip. Additionally, the baggage loss coverage is limited to PHP 10,000 per item, which may be insufficient for travelers carrying high-value items such as electronics or jewelry. Furthermore, the excess of PHP 500 per claim can accumulate, leading to out-of-pocket expenses for multiple claims. While the medical coverage is robust, these limitations in other areas may not provide the comprehensive protection that discerning travelers seek. And for all these reasons, this is why we do not recommend the travel insurance from Pacific Cross Insurance.

Deductible
500 Php
Essential medical costs
Up to 5 000 000 Php
Repatriation costs
Up to 1 000 000 Php
Maximum trip duration
180 days
Loss / theft / delay of luggage
Up to 50 000 Php
Deductible
500 Php
Essential medical costs
Up to 5 000 000 Php
Repatriation costs
Up to 1 000 000 Php
Maximum trip duration
180 days
Loss / theft / delay of luggage
Up to 50 000 Php
  • Provides coverage for adventure sports activities.
  • Limited coverage for high-value items in baggage loss.
  • Trip cancellation coverage excludes pre-existing conditions.
Pros
Cons
  • Provides coverage for adventure sports activities.
At an agency
Our detailed review

FPG Insurance Co., Inc.’s TravelCare International plan offers comprehensive medical coverage up to PHP 2,500,000 and includes provisions for adventure sports activities, catering to travelers seeking active experiences. However, the policy has notable limitations. The trip cancellation benefit does not cover cancellations due to pre-existing conditions, which may be a concern for travelers with ongoing health issues. Additionally, the baggage loss coverage is limited to PHP 5,000 per item, which may be insufficient for travelers carrying high-value items such as electronics or jewelry. Furthermore, the excess of PHP 500 per claim can accumulate, leading to out-of-pocket expenses for multiple claims. While the inclusion of adventure sports coverage is a positive aspect, these limitations in other areas may not provide the comprehensive protection that discerning travelers seek. And for all these reasons, this is why we do not recommend the travel insurance from FPG Insurance Co., Inc.

Deductible
10 %
Essential medical costs
2 500 000 Php
Repatriation costs
2 500 000 Php
Maximum trip duration
90 days
Loss / theft / delay of luggage
75 000 Php
Deductible
10 %
Essential medical costs
2 500 000 Php
Repatriation costs
2 500 000 Php
Maximum trip duration
90 days
Loss / theft / delay of luggage
75 000 Php
  • COVID-19 coverage and repatriation benefit included
  • Strict cancellation terms, 3-day purchase rule
  • Limited baggage cover per item
Pros
Cons
  • COVID-19 coverage and repatriation benefit included
At an agency
Our detailed review

The travel insurance from PGA Sompo provides adequate coverage for key benefits such as medical expenses and repatriation, and it even includes coverage for COVID-19 — an aspect that is especially useful for travelers nowadays. However, the overall plan has several serious shortcomings. First, while the coverage for medical expenses is generally sufficient, it has limitations for certain types of care that are not clearly explained in the documentation. Second, the rules for trip cancellation are overly strict: the insurance must be purchased at least three days before departure, and many common reasons for cancellation are not covered. Third, the baggage protection is limited to PHP 20,000 per item, which is insufficient for valuable items like laptops or cameras. Another issue is the lack of a clear statement regarding the deductible, which could lead to confusion for those filing claims. While the inclusion of COVID-19 benefits is commendable, it does not make up for the overall deficiencies of this product. And for all these reasons, this is why we do not recommend the travel insurance from PGA Sompo Insurance Corporation.

Table of Contents
  • What exactly is travel insurance?
  • What is the price of travel insurance?
  • What does travel insurance cover?
  • What are the requirements?
  • Why take out travel insurance?
  • How to choose the right travel insurance
  • Do my current insurers offer travel insurance?
  • FAQ
  • On the same topic
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travel insurance: key takeaways

1. Definition: Travel insurance protects you financially from unexpected events like medical emergencies, trip cancellations, or lost personal belongings.
2. Price: For a one-week trip to Europe, expect to pay between ₱1,500 and ₱5,000, depending on your chosen coverage.
3. Coverage: It usually includes medical care and trip issues; pre-existing conditions and high-risk activities are often excluded from plans.
4. Bank cards and health insurances: Your local health insurance (like PhilHealth) and credit cards offer very limited or no coverage for overseas travel incidents.
5. Tips: Always compare policies, read the exclusions, and ensure the coverage meets your specific trip and destination requirements.
6. Other useful info: For European travel, a Schengen-accredited policy with minimum medical coverage of €30,000 is often a mandatory visa requirement.

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Why trust HelloSafe ?

HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in the Philippines, our experts share here everything you need to know to choose the best one for you.

What exactly is travel insurance?

Travel insurance is a type of protection that helps you recover financially if unexpected events affect your trip. It typically provides emergency medical coverage, trip cancellation, baggage loss, and other travel-related benefits.
Plans may differ depending on your destination, travel purpose, or personal situation.

It is essential because it covers costly medical emergencies or travel problems that PhilHealth or your credit card will not protect while travelling from the Philippines.

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Expert advice

Here are the situations where taking out travel insurance is especially recommended:
- You are traveling to a country with expensive medical care.
- Your destination country requires insurance for a visa application.
- Your trip has prepaid and non-refundable travel expenses.
- You have a pre-existing medical condition requiring special attention.
- You plan to do adventure sports or high-risk activities.
- You are traveling within the Philippines during typhoon season.
- Your itinerary involves connecting flights and tight travel schedules.

What is the price of travel insurance?

On average, travel insurance in the Philippines costs between 3% and 6% of your total trip cost.

TripTrip costIndicative price per person
Weekend trip to Boracay₱8,000₱200 – ₱600
One week in Japan₱60,000₱1,000 – ₱2,500
Two weeks in Western Europe₱120,000₱2,000 – ₱5,000
One month working in the Middle East₱180,000₱3,500 – ₱8,000
Weekend trip to Boracay
Trip cost
₱8,000
Indicative price per person
₱200 – ₱600
One week in Japan
Trip cost
₱60,000
Indicative price per person
₱1,000 – ₱2,500
Two weeks in Western Europe
Trip cost
₱120,000
Indicative price per person
₱2,000 – ₱5,000
One month working in the Middle East
Trip cost
₱180,000
Indicative price per person
₱3,500 – ₱8,000

These prices are provided as an indication and may vary depending on the type of plan chosen (standard or premium) and the specific conditions of each insurer.

The price of your travel insurance depends on several factors:

  • trip duration: the longer your trip, the higher the price.
  • destination: travel to places with expensive healthcare, such as Europe or the USA, raises the premium.
  • traveler’s age: rates go up for travelers aged 65 and older.
  • level of coverage: higher medical limits and extra benefits increase the cost.
  • pre-existing medical conditions: declaring or covering these often adds to the total.
  • planned activities: adventure sports or business trips may require extra coverage.

What does travel insurance cover?

Travel insurance protects you from unexpected problems during your trip. Here's what it usually covers, and what it may not.

Covered guaranteeDefinitionExpert advice
🚫 Trip cancellationRefunds prepaid non-refundable costs if you cancel before departure.
  • Choose at least ₱100,000 coverage, with a maximum deductible of ₱2,000.
  • Exclusions are personal reasons, epidemics, and known conditions.
🔄 Trip interruptionCovers costs if your trip is unexpectedly cut short.
  • Coverage should equal total trip value, with a maximum deductible of ₱2,000.
  • Exclusions include personal choice, strikes, and pre existing issues.
🧳 Baggage insuranceReimburses loss, theft, or damage to luggage and personal items.
  • Select at least ₱30,000 coverage and a deductible below ₱1,000.
  • Exclusions can be valuables, unattended bags, and damage from wear or delays under 6 hours.
🚑 Emergency medical expensesKey guarantee. Pays for urgent medical care and hospital admission abroad.
  • Select a minimum of ₱2.5M coverage, with no deductible if possible.
  • Exclusions include extreme sports, alcohol incidents, and existing medical conditions.
🛬 Medical evacuation and repatriationKey guarantee. Funds transport to the Philippines for medical emergencies or death.
  • Choose at least ₱500,000 coverage, maximum deductible ₱2,000.
  • Exclusions: war zones, self inflicted injuries, and unapproved evacuation services.
⚖️ Personal liabilityCompensates if you cause accidental harm or property damage to others abroad.
  • Minimum ₱1M coverage, deductible up to ₱10,000.
  • Exclusions include driving incidents, intentional acts, and contractual disputes.
🛡️ Personal accidentPays a lump sum for severe injury, disability, or accidental death.
  • Coverage of at least ₱500,000 is wise, with a low deductible.
  • Exclusions: high risk sports, intoxication, or deliberate acts.
🛎️ 24/7 assistanceHelpline for medical, legal, or translation help.
  • Ensure support is unlimited and offers global access.
  • Exclusions: support in war zones, remote locations, or non urgent issues.
💊 Hospital cash allowanceDaily payout for each day of necessary hospitalization abroad.
  • ₱1,000 per day is suitable, deductible below ₱200.
  • Exclusions: minor illnesses, non admission stays, or voluntary procedures.
🛂 Loss of travel documentsCovers costs for replacing passports or visas if stolen or lost.
  • At least ₱10,000 coverage is recommended, with a low deductible.
  • Exclusions: unattended loss, expired documents, or regulatory confiscation.
⛷️ Adventure sports extension (optional)Pays for injuries related to high-risk or adventure activities.
  • Choose this if needed, at least ₱1M extra coverage.
  • Excludes professional sports, competitions, or unauthorized activities.
✈️ Flight delayPays fixed benefits if flights are delayed by several hours.
  • ₱2,000 per 6 hour delay is suitable.
  • Exclusions: airline strikes, weather, or delays less than policy minimum wait time.
Overview of travel insurance guarantees, their definitions, and expert recommendations.
🚫 Trip cancellation
Definition
Refunds prepaid non-refundable costs if you cancel before departure.
Expert advice
  • Choose at least ₱100,000 coverage, with a maximum deductible of ₱2,000.
  • Exclusions are personal reasons, epidemics, and known conditions.
🔄 Trip interruption
Definition
Covers costs if your trip is unexpectedly cut short.
Expert advice
  • Coverage should equal total trip value, with a maximum deductible of ₱2,000.
  • Exclusions include personal choice, strikes, and pre existing issues.
🧳 Baggage insurance
Definition
Reimburses loss, theft, or damage to luggage and personal items.
Expert advice
  • Select at least ₱30,000 coverage and a deductible below ₱1,000.
  • Exclusions can be valuables, unattended bags, and damage from wear or delays under 6 hours.
🚑 Emergency medical expenses
Definition
Key guarantee. Pays for urgent medical care and hospital admission abroad.
Expert advice
  • Select a minimum of ₱2.5M coverage, with no deductible if possible.
  • Exclusions include extreme sports, alcohol incidents, and existing medical conditions.
🛬 Medical evacuation and repatriation
Definition
Key guarantee. Funds transport to the Philippines for medical emergencies or death.
Expert advice
  • Choose at least ₱500,000 coverage, maximum deductible ₱2,000.
  • Exclusions: war zones, self inflicted injuries, and unapproved evacuation services.
⚖️ Personal liability
Definition
Compensates if you cause accidental harm or property damage to others abroad.
Expert advice
  • Minimum ₱1M coverage, deductible up to ₱10,000.
  • Exclusions include driving incidents, intentional acts, and contractual disputes.
🛡️ Personal accident
Definition
Pays a lump sum for severe injury, disability, or accidental death.
Expert advice
  • Coverage of at least ₱500,000 is wise, with a low deductible.
  • Exclusions: high risk sports, intoxication, or deliberate acts.
🛎️ 24/7 assistance
Definition
Helpline for medical, legal, or translation help.
Expert advice
  • Ensure support is unlimited and offers global access.
  • Exclusions: support in war zones, remote locations, or non urgent issues.
💊 Hospital cash allowance
Definition
Daily payout for each day of necessary hospitalization abroad.
Expert advice
  • ₱1,000 per day is suitable, deductible below ₱200.
  • Exclusions: minor illnesses, non admission stays, or voluntary procedures.
🛂 Loss of travel documents
Definition
Covers costs for replacing passports or visas if stolen or lost.
Expert advice
  • At least ₱10,000 coverage is recommended, with a low deductible.
  • Exclusions: unattended loss, expired documents, or regulatory confiscation.
⛷️ Adventure sports extension (optional)
Definition
Pays for injuries related to high-risk or adventure activities.
Expert advice
  • Choose this if needed, at least ₱1M extra coverage.
  • Excludes professional sports, competitions, or unauthorized activities.
✈️ Flight delay
Definition
Pays fixed benefits if flights are delayed by several hours.
Expert advice
  • ₱2,000 per 6 hour delay is suitable.
  • Exclusions: airline strikes, weather, or delays less than policy minimum wait time.
Overview of travel insurance guarantees, their definitions, and expert recommendations.

Reimbursement limits vary depending on the insurer and the plan selected (eco, standard, premium). They must always be checked in the general terms and conditions.

To find the travel insurance best suited to your profile and your trip, easily compare offers on HelloSafe.

What are the requirements?

To make sure your travel insurance is valid, you need to meet some basic conditions:

  • Policy purchase: you must buy your policy before your trip starts. Policies bought after departure are usually not accepted.
  • Trip duration: your journey should not exceed the number of days covered in your policy, often a limit like 30, 60, or 180 days.
  • Accurate information: all personal, health, and travel details given to the insurer must be accurate and complete.
  • Pre-existing conditions: you must declare any pre-existing medical conditions for them to be covered, subject to insurer approval.
  • Covered activities: only the activities listed as covered in your policy are insured. Some adventure sports may need extra coverage.
  • Destination safety: your policy may not cover you in countries under official government travel warnings or advisories.
  • Eligibility and health: you need to be fit to travel when the policy takes effect and within the age limits of the insurer.
  • Residency and departure: generally, coverage applies only if you are a resident of the Philippines and your journey begins from the Philippines.

If you have any doubts, check your policy’s terms or contact your insurer directly.

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Watch out!

Many Filipinos assume declaring a pre-existing condition is enough for coverage. However, this is a major misunderstanding. Most policies require your condition to be medically stable for a specific period before travel. Any recent doctor visits, medication changes, or new symptoms can invalidate your coverage. Always check the policy's stability clause.

Why take out travel insurance?

When you travel, medical emergencies and accidents can happen suddenly, and healthcare costs abroad are often much higher than in the Philippines.

Here are some examples of medical costs abroad:

Type of treatmentAverage cost (₱)What travel insurance covers
Sprained ankle while hiking
  • Europe: 35,000 to 75,000
  • North America: 100,000 to 200,000
  • Asia: 10,000 to 35,000
Up to 100%, typically ₱2.5 million to ₱5 million for medical expenses
Cut from a scooter accident
  • Europe: 60,000 to 130,000
  • North America: 180,000 to 300,000
  • Asia: 20,000 to 60,000
Up to 100%, includes hospitalisation and minor surgery
Food poisoning with hospital stay
  • Europe: 80,000 to 200,000
  • North America: 200,000 to 400,000
  • Asia: 30,000 to 90,000
Up to 100%, covers hospital bills and prescriptions
Tooth infection treatment
  • Europe: 12,000 to 35,000
  • North America: 30,000 to 75,000
  • Asia: 8,000 to 18,000
Usually limited, up to ₱10,000 to ₱30,000 for urgent dental care
Respiratory infection consultation
  • Europe: 6,000 to 18,000
  • North America: 10,000 to 25,000
  • Asia: 4,000 to 10,000
Up to 100% for consultation and medicines
Comparison of average medical treatment costs by region and typical travel insurance coverage.
Sprained ankle while hiking
Average cost (₱)
  • Europe: 35,000 to 75,000
  • North America: 100,000 to 200,000
  • Asia: 10,000 to 35,000
What travel insurance covers
Up to 100%, typically ₱2.5 million to ₱5 million for medical expenses
Cut from a scooter accident
Average cost (₱)
  • Europe: 60,000 to 130,000
  • North America: 180,000 to 300,000
  • Asia: 20,000 to 60,000
What travel insurance covers
Up to 100%, includes hospitalisation and minor surgery
Food poisoning with hospital stay
Average cost (₱)
  • Europe: 80,000 to 200,000
  • North America: 200,000 to 400,000
  • Asia: 30,000 to 90,000
What travel insurance covers
Up to 100%, covers hospital bills and prescriptions
Tooth infection treatment
Average cost (₱)
  • Europe: 12,000 to 35,000
  • North America: 30,000 to 75,000
  • Asia: 8,000 to 18,000
What travel insurance covers
Usually limited, up to ₱10,000 to ₱30,000 for urgent dental care
Respiratory infection consultation
Average cost (₱)
  • Europe: 6,000 to 18,000
  • North America: 10,000 to 25,000
  • Asia: 4,000 to 10,000
What travel insurance covers
Up to 100% for consultation and medicines
Comparison of average medical treatment costs by region and typical travel insurance coverage.

Coverage varies greatly depending on the plan chosen (standard or premium) and the insurer. Refer to the general conditions and always compare with tools like HelloSafe.

💡 Travel insurance can also cover trip cancellation, lost baggage, personal liability, missed flights, 24/7 emergency help, and repatriation. These guarantees are especially valuable when dealing with the unexpected during your journeys.

How to choose the right travel insurance

Travel insurance coverage and limits can differ a lot between plans, so understanding which criteria to compare helps you choose only the guarantees truly useful for your trip.

CriterionWhy it mattersExpert tip
💰 Reimbursement limitsSets the highest payout for claims like medical expenses or cancellations.Choose at least ₱2.5 million for medical care abroad. Confirm limits for baggage and evacuation, too.
📉 Deductibles (excess)Your out-of-pocket payment before coverage starts.Select policies with deductibles under ₱1,000 so surprise costs stay manageable if you claim.
📄 Policy conditionsContract rules decide when the insurance pays or denies a claim.Read all policy terms and conditions to understand exclusions and eligibility before buying.
👵 Traveller's ageAffects cost and coverage, especially after age 65.Check if age raises your premium. The insurer Heymondo keeps its prices stable for people over 62.
👨 Traveller profileCoverage depends on if you are a student, worker, family, or senior.Pick add-ons matching your status. Business coverage, student policies, or family bundles may be useful.
🗓️ Trip durationCan limit how long a plan protects you or changes the price.Verify maximum covered days per trip. For frequent travel, look at multi-trip annual plans.
🌍 Destination areaBenefits and prices change based on where you travel.Make sure all destination countries are covered especially if passing through high-cost healthcare countries.
🔎 Planned activitiesSome sports or risky activities need special add-ons.Add sports or adventure extensions if you plan to scuba dive, hike or join tours beyond standard coverage.
🏦 Existing coverageDouble-check what your credit card or HMO already protects.Review current health and card policies first. Only pay for what you do not already have protection for.
💻 Online comparison & purchaseFinding and buying the right plan is easier with valid comparison tools.Use HelloSafe to view features and costs side by side for fast and clear decision-making.
How to Choose the Best Travel Insurance
💰 Reimbursement limits
Why it matters
Sets the highest payout for claims like medical expenses or cancellations.
Expert tip
Choose at least ₱2.5 million for medical care abroad. Confirm limits for baggage and evacuation, too.
📉 Deductibles (excess)
Why it matters
Your out-of-pocket payment before coverage starts.
Expert tip
Select policies with deductibles under ₱1,000 so surprise costs stay manageable if you claim.
📄 Policy conditions
Why it matters
Contract rules decide when the insurance pays or denies a claim.
Expert tip
Read all policy terms and conditions to understand exclusions and eligibility before buying.
👵 Traveller's age
Why it matters
Affects cost and coverage, especially after age 65.
Expert tip
Check if age raises your premium. The insurer Heymondo keeps its prices stable for people over 62.
👨 Traveller profile
Why it matters
Coverage depends on if you are a student, worker, family, or senior.
Expert tip
Pick add-ons matching your status. Business coverage, student policies, or family bundles may be useful.
🗓️ Trip duration
Why it matters
Can limit how long a plan protects you or changes the price.
Expert tip
Verify maximum covered days per trip. For frequent travel, look at multi-trip annual plans.
🌍 Destination area
Why it matters
Benefits and prices change based on where you travel.
Expert tip
Make sure all destination countries are covered especially if passing through high-cost healthcare countries.
🔎 Planned activities
Why it matters
Some sports or risky activities need special add-ons.
Expert tip
Add sports or adventure extensions if you plan to scuba dive, hike or join tours beyond standard coverage.
🏦 Existing coverage
Why it matters
Double-check what your credit card or HMO already protects.
Expert tip
Review current health and card policies first. Only pay for what you do not already have protection for.
💻 Online comparison & purchase
Why it matters
Finding and buying the right plan is easier with valid comparison tools.
Expert tip
Use HelloSafe to view features and costs side by side for fast and clear decision-making.
How to Choose the Best Travel Insurance
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Good to know

Some insurers offer 24/7 telemedicine, a huge help when you're unsure about a local clinic. For instance, Heymondo's app provides 24/7 medical chat access with all its plans, letting you consult a doctor from anywhere before incurring costs.

Do my current insurers offer travel insurance?

It is understandable to wonder if your current coverage, such as credit card insurance or public health insurance, provides enough travel insurance, but unfortunately these options are usually not sufficient. Here is a summary table to help you review your current insurance and what it covers.

Type of insuranceTravel insurance included?What it coversWhy Travel Insurance is better
Public health insurance (PhilHealth)NeverMinimal overseas reimbursement, complicated claims, only some inpatient care. No baggage, cancellation or delays.Travel insurance provides up to ₱5,000,000 for medical care abroad, as well as cancellation, baggage loss, and 24/7 assistance.
Private health insurance (Maxicare, Intellicare)Limited coverageSome emergency care abroad, typically capped at ₱500,000–₱1,000,000, excludes baggage or trip support.Travel insurance covers higher medical limits, missed connections, delayed baggage, and lost passport with broader global assistance.
Classic credit card (BDO Standard, Metrobank Classic, RCBC Classic)Limited coverageLimited medical (₱200,000–₱500,000), baggage, and flight accident. Strict spending or activation rules.Travel insurance gives much higher cover, up to ₱5,000,000 for medical, fewer conditions, and covers more types of incidents.
Premium credit card (BDO Platinum, Metrobank World, RCBC Platinum)Limited coverageBetter medical (up to ₱1,000,000–₱2,000,000), enhanced accidental death, but still lower than full plans.Travel insurance includes higher limits, trip cancellation up to ₱200,000, and comprehensive support not offered by cards.
Comparison of different insurance types and their travel coverage.
Public health insurance (PhilHealth)
Travel insurance included?
Never
What it covers
Minimal overseas reimbursement, complicated claims, only some inpatient care. No baggage, cancellation or delays.
Why Travel Insurance is better
Travel insurance provides up to ₱5,000,000 for medical care abroad, as well as cancellation, baggage loss, and 24/7 assistance.
Private health insurance (Maxicare, Intellicare)
Travel insurance included?
Limited coverage
What it covers
Some emergency care abroad, typically capped at ₱500,000–₱1,000,000, excludes baggage or trip support.
Why Travel Insurance is better
Travel insurance covers higher medical limits, missed connections, delayed baggage, and lost passport with broader global assistance.
Classic credit card (BDO Standard, Metrobank Classic, RCBC Classic)
Travel insurance included?
Limited coverage
What it covers
Limited medical (₱200,000–₱500,000), baggage, and flight accident. Strict spending or activation rules.
Why Travel Insurance is better
Travel insurance gives much higher cover, up to ₱5,000,000 for medical, fewer conditions, and covers more types of incidents.
Premium credit card (BDO Platinum, Metrobank World, RCBC Platinum)
Travel insurance included?
Limited coverage
What it covers
Better medical (up to ₱1,000,000–₱2,000,000), enhanced accidental death, but still lower than full plans.
Why Travel Insurance is better
Travel insurance includes higher limits, trip cancellation up to ₱200,000, and comprehensive support not offered by cards.
Comparison of different insurance types and their travel coverage.
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Expert advice

Always check the terms, exclusions, and limits of your existing HMO or credit card insurance. Essential situations, like trip interruption due to a relative’s illness, might not be covered. In all cases, it is safer and more reassuring to subscribe to a dedicated travel insurance tailored to your trip.

FAQ

Is travel insurance mandatory?

Travel insurance is mandatory when traveling to countries that require proof of coverage, such as many Schengen states or for certain visa applications. For most other destinations, travel insurance is not required but strongly recommended. For example, if you have a medical emergency in the USA or Europe, out-of-pocket costs can be devastating without appropriate protection.

When is it recommended to purchase travel insurance?

The ideal time to purchase travel insurance is right after you book your trip. Early purchase ensures coverage for trip cancellation or unforeseen illness before departure and avoids missing out on valuable pre-trip benefits.

How do I purchase travel insurance?

First, compare policies using HelloSafe’s travel insurance comparison platform. Check guarantees and exclusions carefully to match your specific needs. Next, purchase your chosen plan quickly online. You will then receive your insurance certificate via email.

Can I purchase travel insurance after booking?

Yes, you can still purchase travel insurance after booking your flight or accommodation, but doing so may limit certain coverages like cancellation protection. Buying early ensures more comprehensive protection before your departure date.

How do I make a claim?

Contact your insurer within 24 to 48 hours of an incident and gather all required documents, such as receipts, medical reports, and travel documents. Complete and submit the claim form along with your supporting documents. Insurers in the Philippines usually process claims within 30 to 45 days.

Does travel insurance cover COVID-19 related incidents?

Most modern travel insurance policies in the Philippines include coverage for COVID-19, such as medical expenses, trip cancellations, and quarantine costs. Always verify COVID-19 benefits before purchase, as coverage limits and conditions vary by insurer.

What should I look for in a travel insurance policy?

Look for adequate medical limits (at least ₱2 million for international trips), coverage for pre-existing conditions if needed, 24/7 emergency assistance, and straightforward claims processes. Read policy exclusions to avoid surprises, especially for high-risk activities or destinations.

Is travel insurance mandatory?

Travel insurance is mandatory when traveling to countries that require proof of coverage, such as many Schengen states or for certain visa applications. For most other destinations, travel insurance is not required but strongly recommended. For example, if you have a medical emergency in the USA or Europe, out-of-pocket costs can be devastating without appropriate protection.

When is it recommended to purchase travel insurance?

The ideal time to purchase travel insurance is right after you book your trip. Early purchase ensures coverage for trip cancellation or unforeseen illness before departure and avoids missing out on valuable pre-trip benefits.

How do I purchase travel insurance?

First, compare policies using HelloSafe’s travel insurance comparison platform. Check guarantees and exclusions carefully to match your specific needs. Next, purchase your chosen plan quickly online. You will then receive your insurance certificate via email.

Can I purchase travel insurance after booking?

Yes, you can still purchase travel insurance after booking your flight or accommodation, but doing so may limit certain coverages like cancellation protection. Buying early ensures more comprehensive protection before your departure date.

How do I make a claim?

Contact your insurer within 24 to 48 hours of an incident and gather all required documents, such as receipts, medical reports, and travel documents. Complete and submit the claim form along with your supporting documents. Insurers in the Philippines usually process claims within 30 to 45 days.

Does travel insurance cover COVID-19 related incidents?

Most modern travel insurance policies in the Philippines include coverage for COVID-19, such as medical expenses, trip cancellations, and quarantine costs. Always verify COVID-19 benefits before purchase, as coverage limits and conditions vary by insurer.

What should I look for in a travel insurance policy?

Look for adequate medical limits (at least ₱2 million for international trips), coverage for pre-existing conditions if needed, 24/7 emergency assistance, and straightforward claims processes. Read policy exclusions to avoid surprises, especially for high-risk activities or destinations.

On the same topic

A. Fruchard
A. Fruchard
Insurance expert
HelloSafe
Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.

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