Frequently Asked Questions

For Philippine passport holders, since Non-Essential Travel has been allowed in the middle of the pandemic last October 2020, travel insurance (with COVID-19 cover) is required by the Philippine government. Your travel insurance policy may or may not be checked by the immigration officer in the Philippines or at your planned destination.

It possible to have two separate policies for travel insurance and international health insurance plan. Or you may easily buy a single-trip travel insurance policy that includes medical coverage. It works as health insurance while abroad. If you will be out of the country six months or less, you don't necessarily have to buy two separate policies.

The main coverage of travel insurance policy are medical expense cover and accident benefits while you are traveling outside the Philippines . In addition, travel insurance policies include trip cancellation and inconvenience benefits. Plus, it has assistance hotline that may serve as your concierge should you need emergency assistance or referrals to certain services.

As of 2022, more insurance companies in the Philippines have included COVID-19 coverage for its medical coverage. There are still some insurers which excludes COVID-19-related claims. Make sure you ask the insurer, your broker or agent if COVID-19 is covered and ensure it will be mentioned in the insurance policy schedule.

Travel insurance policies should be purchased before the start of your trip. Typically, you must buy a policy days ahead of your travel but it is a better idea to your purchase it weeks ahead of your travel so you can review the coverages of your policy. Some plans may also have turnaround time of a few days, so it's always best to purchase travel insurance as soon as you have finalized your travel or bought an airline ticket

Usually, travel insurance provided by your credit card may not cover illnesses while you are traveling abroad plus the emergency assistance facility that a standard travel insurance policy have.

Travel insurance for Schengen visa should have medical expense coverage with at least 30,000 Euros. Peso plans that cover up to Php 2,500,000 or USDollar plans with at least US$ 50,000 medical expense coverage are also accepted. Further, the insurance company should be recognized by the Schengen State

If your medical treatment requires confinement, you can call the assistance hotline indicated in your travel insurance policy. If illness is covered, more often than not, cash-less settlement will be facilitated by the insurance company to the hospital.

Generally, travel insurance does not cover pre-existing medical conditions. However, some travel insurance plans have pre-existing medical coverage, but it is usually minimal only and most likely cannot cover the entire cost of medical expenses.