COVID-19 pandemic and travel insurance policies in the Philippines Learn more

Frequently Asked Questions

Insurance for your Travel

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.

Buying Travel Insurance

You may compare travel insurance plans here in this website and buy from here. For assistance in looking for the right insurance policy for your travel, you may contact us.
Purchases through this website coming soon. For the meantime, please e-mail for travel insurance questions and inquiries or send us a message through the Contact Us page. Currently, a filled-out application form is required in processing travel insurance.
Our online payment options include credit cards (visa and master card), GCash, Bancnet. You can also pay over-the-counter at 7 Eleven, M Lhuillier or Cebuana Lhuillier. If paying over-the-counter, a payment reference number should be generated which you will present to any of their branches so they can accept your payment
We allow customers to visit our office to purchase travel insurance. However, you should first book an appointment to ensure there is a representative that can assist you. Please book an appointment through our booking page.
Currently, our travel insurance policies with COVID-19 medical cover be processed within 1 to 2 days. Depending on the type of travel insurance plan, some may take up to 3 working days
If your travel insurance policy has already been issued and you need to change the covered period of your policy, please do let us know by sending us an e-mail and we will have the policy revised. Ideally, revisions should be requested before the coverage commences. Additional premium and on certain cases, processing fees may be charged.
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Park Triangle Corporate Plaza, 32nd Street corner 11th Avenue, Lane R, Bonifacio Global City, Taguig, Metro Manila, Philippines