bdo philippines travel insurance

• Corporate Governance
• Investor Relations
• Disclosures
• Subsidiaries
• Branches / ATMs
• Remit Status Inquiry

Not yet enrolled? Enroll Now!

What is a One-Time PIN (OTP)

Search form

• Trust and Investments
• International Desks

Travel Insurance

• Pet Dog and Cat Insurance
• Emergency Medical Insurance
• Dengue Insurance
• Hospitalization Cash Assistance
• Critical Illness Insurance
• Car Insurance
• Remittance Services

Please read our  BDO Group Data Privacy Statement to understand how we collect, use, and protect your personal data. 

International Travel Insurance

We have selected the right insurance products that match your needs. Here are our recommended plans with emergency medical treatment COVID-19 coverage for international travels.

*shared limit with Emergency Medical Treatment

Disclaimer: These are only general descriptions of the benefits of the insurance product. We encourage you to learn more on how it can help secure your finances. The terms and conditions of the insurance product will apply.  The product details and premiums are valid as of today and may be changed without prior notice. 

______________________________________________________________________________________________________

Let BDO Insure help you find the right product that best fits your needs.

Learn more about us.

Contact Us                                                                   Customer Care Assistance and Policies

• BDO AntiScam
• Properties for Sale
• Privacy Statement
• Terms and Conditions

BDO Insure offers added protection to Filipino travelers

More Filipinos are traveling again according to a recent survey commissioned by an airline company. Sixty percent of the respondents, who are based all over the country, plan to travel domestically this year while 50% are ready to fly to international destinations.

As the world continues to face the pandemic, travelling around and outside the country is safer with additional protection.

BDO Insure, a wholly-owned subsidiary of BDO Unibank, offers financial and emergency medical protection to travelers through its comprehensive travel insurance plans with COVID-19 coverage.

The travel insurance plans available through BDO Insure include coverage for emergency medical treatment for COVID-19, travel inconveniences benefits, and access to a 24/7 emergency travel assistance hotline. Coverage varies and may be availed for domestic and international travel.

“Although we try our best to plan our trips to the very last detail, sometimes, we still encounter unexpected events and inconveniences such as baggage loss, flight delays, trip termination or cancellation, or worse, medical emergencies. Having travel insurance provides the financial protection for these unwanted events,” said Ma. Theresa L. Tan, General Manager of BDO Insure.

To make it easier to purchase, BDO Insure launched an online channel, www.bdo.com.ph/bdoinsure/travel.

Using any mobile device, laptops, or their desktop computers, Filipinos can buy travel insurances that fit their needs at the click of their fingers.

“As their insurer, our clients save time and effort looking for the right insurance products as we only partner with reputable and trustworthy insurance providers. More so, they can rely on us to be there for them every step of the way, from purchasing the product to claiming its benefits,” concluded Tan.

BDO Insure is a registered trademark of BDO Insurance Brokers, Inc., an insurance broker licensed and supervised by the Insurance Commission of the Philippines. Learn more about BDO Insure at www.bdo.com.ph/bdoinsure .

Clients can email at [email protected] or call at +63 (2) 8838-2364 or 1800-10-8382364 (Domestic Toll-free; available Mondays to Fridays, except holidays from 8AM-6PM). They can visit BDO branches where representatives are based.

RELATED ARTICLES MORE FROM AUTHOR

Megaworld now 100% carbon neutral for company-owned mall, office developments

Cebu Pacific Honors Top PH, Int’l Travel Agencies at 18th Eagle Wings Awards

Hilton Clark: New master chef at Xi Restaurant

Leave a reply cancel reply.

Save my name, email, and website in this browser for the next time I comment.

Welcome to Punto Central Luzon online edition. Punto Central Luzon and Print Edition is published __ by LLL Trimedia Coordinators. Business & Editorial Office: Unit B Essel Commercial Center, McArthur Highway, Telebastagan, City of San Fernando, Pampanga Contact: (45) 625-0244, 0917-481-1416 Email: [email protected]

QUICK LINKS

Popular category.

• Headlines 16932
• Opinion 1357
• Featured Article 1102
• Editorial Contents 295
• Showbiz 180
• Business 123

• About Malaya Business Insight
• Advertisements
• 41st Anniversary Supplement
• 40th Anniversary Supplement
• 39th Anniversary Report
• 38th Anniversary Report
• Banking And Finance
• Market Markers
• Corporate Roundup
• Marketing Board
• Shipping And Transportation
• International
• Motorsports
• Banking & Finance
• Infotech & Electronics
• Travel & Tourism
• Environment
• Supplements
• Entertainment
• Opinion of the day
• Column of the day
• Search for: Search Button

More Filipinos are traveling again according to a recent survey commissioned by an airline company. Sixty percent of the respondents, who are based all over the country,plan to travel domestically this year while 50 percent are ready to fly to international destinations.

As the world continues to face the pandemic, travelling around and outside the country is safer with additional protection.

BDO Insure, a wholly-owned subsidiary of BDO Unibank, offers financial and emergency medical protection to travelers through its comprehensive travel insuranceplans with COVID-19 coverage.

The travel insurance plans available through BDO Insure include coverage for emergency medical treatment for COVID-19, travel inconveniences benefits, and access to a 24/7 emergency travel assistance hotline. Coverage varies and may be availed for domestic and international travel.

“Although we try our best to plan our trips to the very last detail, sometimes, we still encounterunexpected events and inconveniences such as baggage loss, flight delays, trip termination or cancellation, or worse, medical emergencies. Having travel insurance provides the financial protection for these unwanted events,” said Ma. Theresa L. Tan, General Manager of BDO Insure.

To make it easier to purchase, BDO Insure launched an online channel.

Using any mobile device, laptops, or their desktop computers, Filipinos can buy travel insurances that fit their needs at the click of their fingers.

“As their insurer, our clients save time and effort looking for the right insurance products as we only partner with reputable and trustworthy insurance providers. More so, they can rely on us to be there for them every step of the way, from purchasing the product to claiming its benefits,” concluded Tan.

BDO Insure is a registered trademark of BDO Insurance Brokers, Inc., an insurance broker licensed and supervised by the Insurance Commission of the Philippines.

BDO is a full-service universal bank which provides a wide range of corporate and retail services such as traditional loan and deposit products, treasury, trust banking, investment banking, private banking, rural banking, cash management, leasing and finance, remittance, insurance, cash cards, credit cards, and online and non-online brokerage services.

BDO has the country’s largest distribution network, with over 1,500 consolidated operating branches and more than 4,400 ATMs nationwide. It also has 16 international offices (including full-service branches in Hong Kong and Singapore) in Asia, Europe, North America and the Middle East.

BDO ranked as the largest bank in terms of total assets, loans, deposits and trust funds under management based on published statements of condition as of March 31, 2022.

PAL on track of target

Lending expands 9.4%, review of busway ppp nears completion, group steps up call to bar russian aluminum, security bank net up 11%.

BDO Insure offers emergency medical protection plans 

BDO Insure, a wholly-owned subsidiary of BDO Unibank, is offering financial and emergency medical protection to travelers through its comprehensive travel insurance plans with COVID-19 coverage.

This comes as more Filipinos are traveling again according to a recent survey commissioned by an airline company.

Sixty percent of the respondents, who are based all over the country, plan to travel domestically this year while 50 percent are ready to fly to international destinations.

The travel insurance plans available through BDO Insure include coverage for emergency medical treatment for COVID-19, travel inconveniences benefits, and access to a 24/7 emergency travel assistance hotline. Coverage varies and may be availed for domestic and international travel.

“Although we try our best to plan our trips to the very last detail, sometimes, we still encounter unexpected events and inconveniences such as baggage loss, flight delays, trip termination or cancellation, or worse, medical emergencies. Having travel insurance provides the financial protection for these unwanted events,” said Ma. Theresa L. Tan, General Manager of BDO Insure.

To make it easier to purchase, BDO Insure launched an online channel, www.bdo.com.ph/bdoinsure/travel.

Using any mobile device, laptops, or their desktop computers, Filipinos can buy travel insurances that fit their needs at the click of their fingers.

“As their insurer, our clients save time and effort looking for the right insurance products as we only partner with reputable and trustworthy insurance providers. More so, they can rely on us to be there for them every step of the way, from purchasing the product to claiming its benefits,” said Tan.

Category: Guide

Guide: a comprehensive guide to travel insurance in the philippines.

Ailah Lou Magan

• Share on Twitter Share on Twitter
• Share on Facebook Share on Facebook
• Share on LinkedIn Share on LinkedIn

Consider this scenario: during the Christmas holidays, you decide to visit your family. Upon boarding the plane, you realize your baggage is missing. This could cause you to miss your flight. Such issues are common when traveling locally or internationally. One might ask, “What if my luggage gets lost? Will I be compensated?” This is where travel insurance comes into play. So, what exactly is travel insurance in the Philippines?

In this article, we’ll explore what is travel insurance, its significance, where to obtain it, the top choices available, and budget-friendly options. We’ll also delve into international travel insurance for Filipinos. By the end of this guide, you should be well-equipped to select the travel insurance that best suits your needs.

What is travel insurance? 

As defined by Investopedia, travel insurance is a form of coverage that compensates for financial losses related to travel. These may include illnesses, injuries, accidents, flight or other transport delays, among other issues.

How important is travel insurance?

If you’re wondering if travel insurance is worth it, the answer is yes. Allianz stated three reasons why travel insurance is a must: 

• Most of us can’t afford to lose our vacation investment . For instance, you pay $7,000 for a 25th anniversary Mediterranean cruise, but your mother falls ill the day before. The cruise line won’t refund due to their 14-day cancellation policy. Travel insurance could reimburse non-refundable costs if you cancel for a covered reason.
• Medical emergencies overseas can be incredibly expensive. Travel insurance with emergency medical benefits covers losses from medical and dental emergencies during your trip. It also covers transportation to the nearest medical facility and the cost of returning home after a covered injury or illness. 
• You wouldn’t want minor mishaps to spoil your trip. Travel inconveniences can cause headaches during our vacation, but travel insurance can help alleviate these issues. 

Where to get travel insurance in the Philippines ? 

If you’re a Filipino citizen interested in obtaining travel insurance, the following insurance companies offer these services:

• Axa Philippines
• Starr Insurance Philippines
• Pacific Cross Philippines
• Malayan Insurance
• Chubb Travel Insurance Philippines
• Etiqa Philippines
• BDO Insure (BDO Unibank)
• PAL Travel Insurance (Alliedbankers Insurance Corporation)

What are the best travel insurance options in the Philippines ?

Grit PH made a list of travel insurance companies that offer different policies depending on your needs:

• World Nomads 

World Nomads Pty Ltd, a Sydney-based travel insurance company founded in 1999, is favored by adventurous travelers worldwide. 

Starting from $38, their policies cover emergency medical support, evacuation, trip cancellation, and even adventure sports. 

Unique features oriented towards active nomads include dental treatment, prescribed medicines, daily hospital cash allowance, hospitalization, physiotherapy, chiropractic treatment, acupuncture, osteopathy, counseling after assault, and coverage during study, work, or volunteering.

• AXA iON – Smart Traveler 

AXA iON, a service of AXA Philippines, offers worldwide travel insurance starting at Php 990. 

The policy covers personal accidents, medical expenses, emergency medical evacuation and repatriation, travel inconveniences, personal belongings, and other benefits such as personal liability, hijacking, kidnapping, funeral and burial expenses.

• AIG Travel Guard 

AIG Travel Guard is a global insurance solution for travelers, offering coverage for medical expenses, evacuation, repatriation, personal accidents, child guard, compassionate visits, baggage delay, trip cancellation or termination, personal effects, flight delay, loss of travel documents, and personal liability. Prices start at Php 400 for 1 to 4 days.

• Fortune General 

Fortune General (FGen) offers revamped travel insurance services with more features, providing coverage for travels to Asia, Schengen (Europe), and the rest of the world, with prices starting at Php 900 for one week.

Policy coverage:

• Accidental benefit
• Medical expense and hospitalization
• Medical evac or repatriation
• Emergency Dental Care
• Repatriation of Family Member
• Repatriation of Mortal Remains
• Compassionate Emergency Visits
• Compassionate Emergency Return
• Care for Minor Children
• Flight Delay
• Missed connecting flight
• Trip diversion
• Strikes and aircraft hijacking
• Emergency trip cancellation
• Emergency trip termination
• Personal belongings and baggage
• Other services
• Pacific Cross

Pacific Cross is a global insurance provider with a focus on ASEAN countries. It offers a range of insurance products, starting at Php 500, covering in-patient and out-patient care, emergency treatments, recreational activities and sports, implants due to accidents, hospital income, funeral expenses, personal accident and liability, vehicle rental protection, and baggage delay.

• Malayan Travel Master

Malaysian Travel Master, a comprehensive international travel health insurance in the Philippines, offers competitive pricing starting at Php 375 for 4 days in ASEAN. 

The policy covers personal accidents, emergency medical treatment (excluding pre-existing conditions), personal liability, recovery of travel expenses, travel inconvenience, and assistance benefits, along with value-added features.

• MAPFRE Philippines

MAPFRE Insular provides non-life insurance packages, focusing on motor vehicles, engineering, marine cargo, fire, and allied lines, surety, and microinsurance. 

They also offer a travel insurance package that covers medical expenses, baggage delay, trip cancellation, personal liability, accidental death, permanent disability, and repatriation of mortal remains.

• FPG Insurance

Operating under the Zuellig Group of Companies, FPG Travel offers worldwide travel insurance starting at Php 450 for the Classic Plan (4 days). 

The policy covers personal accidents, medical expenses, emergency dental care, medical evacuation and repatriation, return of a family member traveling with the insured, trip cancellation and curtailment, delayed departure, missed connecting flight, loss of travel documents and money, personal liability, and luggage delay.

• Standard Insurance 

Standard Insurance offers worldwide service coverage with prices starting at Php 495 for an 8-day ASEAN package. 

Their policy includes emergency medical and travel assistance, travel inconvenience benefits, personal liability benefit, and personal accident liability, with coverage of up to Php 500,000.

• Pioneer Insurance 

Pioneer Life Inc, established in 1964 and fully Filipino-owned since 2003, offers worldwide service coverage for travel insurance. Prices start at Php 399 for ASEAN 4 days. 

The policy covers emergency trip cancellation and termination, flight delay, missed connecting flight, hijack, and various baggage, personal effects, and money benefits.

What are the cheapest travel insurance options in the Philippines?

Although there’s insufficient data for insights on this matter, it’s crucial to prioritize comprehensive coverage over cost. 

Strive for a balance between affordability and protection. Utilize comparison tools, and scrutinize the coverage details and prices of various insurers before making a decision.

Do I need travel insurance in the Philippines?

Although the Philippines has removed the need for foreigners to acquire travel insurance during their stay, other requirements stipulated in Resolution No. 168, Series of 2022 by the IATF, must still be met. Furthermore, a passport that is valid for at least six months, an onward or return ticket, and proof of relevant COVID-19 vaccinations are also required. 

Do I need travel insurance?

David Leiter, publisher of The World Travel Guy blog, suggests it might be wise to purchase travel insurance with good coverage if you are:

• Embarking on an expensive trip with non-refundable costs
• Traveling internationally
• Visiting a remote location lacking easy access to medical care

Additionally, Eckhoff recommends considering travel insurance if you:

• Have a pre-existing medical condition, provided the policy caters to your needs
• Are visiting a country faced with political instability, natural disasters, or health risks
• Engage in high-risk activities, which increase the likelihood of injury or illness

Is travel insurance mandatory? 

As stated by MarketWatch, travel insurance coverage is not mandatory. However, some countries require travel insurance to enter. 

Can you get travel insurance at the airport?

According to Nerdwallet, you cannot purchase travel insurance at the airport. It is also not possible to buy it after you have boarded your cruise, decided not to attend a tour, or if your flight is so delayed that you miss your connection.

Travel insurance serves as a valuable protection for both domestic and international travel. It also covers unexpected medical expenses, and offers reimbursement for losses or additional costs due to incidents like stolen baggage or flight cancellations.

Various insurance companies like AXA, Starr, and Pacific Cross offer different travel insurance depending on your needs. Moreover, if you want to gain more understanding on international travel insurance in the Philippines, BDO Insure also offers International Travel Insurance with emergency medical treatment including COVID-19 coverage for international travels. 

Keep in mind that it is important to prioritize coverage over cost when choosing the right travel insurance. When choosing the right travel insurance in the Philippines, consider value over cost, opt for multi-trip plans if you travel frequently, consider group or family insurance for group travel, check if you already have coverage through banks or airlines, and read the fine print for health exclusions. 

Source: (1) , (2) , (3) , (4) , (5) , (6) , (7) , (8) , (9) , (10) 

Also Read: GUIDE: Travel Insurances in the Philippines and Where to Get One

Ailah enjoys writing since high school. She was a campus journalist back then, serving as an Editorial Writer for their school paper. She spends most of her free time writing journals and watching horror movies, and she loves to travel and explore new things to gain new knowledge throughout her chosen carrier. Ailah is currently a WhataLife intern.

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Save my name, email, and website in this browser for the next time I comment.

Latest News

• GUIDE: SK Members Salary Philippines May 20, 2024
• Self-Employed? How to Pay SSS, Pag-IBIG, and PhilHealth Contributions May 19, 2024
• GUIDE: GSIS (How to Loan, Membership, Requirements, and more!) May 18, 2024
• 2NE1 Celebrates 15 Years Together May 17, 2024
• GUIDE: How to Apply for GSIS Membership Online May 17, 2024

Viral Stories

• 299-peso engagement ring issue ignites debate among netizens January 7, 2024
• Filipina Maid Gets Emotional as Employer Surprises Her with Gift July 6, 2023
• Pauline Carpio: What Happened to Her? June 13, 2023
• Cockroach Makes an Appearance at 2023 Met Gala and Walks the Red Carpet May 3, 2023
• Puppy rescues 5-year-old girl from house fire in GenSan April 27, 2023

Exam Results

• List of Passers – May 2024 Chemical Engineers Exam Results May 15, 2024
• List of Passers – May 2024 Nurse Exam Results May 13, 2024
• Full List of Passers — March 2024 Licensure Exam for Teachers (LET) May 10, 2024
• List of Passers March 2024 Civil Service Exam Results – Sub-Professional Level May 9, 2024
• List of Passers March 2024 Civil Service Exam Results – Professional Level May 9, 2024

Lotto Results

• SWERTRES RESULTS May 16, 2024 (Thursday) May 16, 2024
• EZ2 2D RESULTS May 16, 2024 (Thursday) May 16, 2024
• SWERTRES RESULTS May 15, 2024 (Wednesday) May 15, 2024
• EZ2 2D RESULTS May 15, 2024 (Wednesday) May 15, 2024
• SWERTRES RESULTS May 14, 2024 (Tuesday) May 14, 2024

• Skip to primary navigation
• Skip to main content
• Skip to footer

10 Best Travel Insurance Companies & Plans in the Philippines

Last Updated on – Jul 13, 2023 @ 1:17 pm

What’s the best travel insurance in the Philippines? When it comes to the best travel insurance providers in the country, AXA’s iON – Smart Traveler stands out. This insurance is not only affordable but also has a comprehensive list of coverage including medical expenses, personal accident, travel inconveniences, personal belongings, emergency medical evacuation, and many more.  Other insurance plans worth considering include Pioneer Insurance, Standard Insurance, World Nomads Explorer Plan, and AIG Travel Guard.

See the Full List

He finally pulled it off—a quick weekend getaway in Kuala Lumpur to give his frayed nerves the much-needed rest they deserve.

Exploring the majestic rock formation inside Batu Caves was the first item in his itinerary. As he was climbing up the steps of this popular Malaysian destination, he notices the monkeys roaming around.

He goes near one to tries to pet it. As he reaches for its head, the monkey jumps, grabs his hand and bites it.

After wiping off the blood from his palm, he looks for a guide who takes him to the nearest hospital for a rabies shot. He was advised to take antibiotics, anti-inflammatory, and pain medicine for the next few days.

Doctors told him he had nothing to worry, he can continue on with his trip the same day.

But even if his trip was off to a bad start, he was still thankful for one thing:

His travel insurance paid for all medical expenses.

Who was the guy? Dunno, really.

But it was an actual testimonial posted by one of the customers of a travel insurance company which we’ll check out later.

The lesson?

Don’t touch ‘em monkeys.

Also, travel insurance is valuable whenever these kinds of things happen.

Because while we’re all hopeful that the trip will go smoothly and according to plan, sometimes, sh*t happens.

And it’s not only tourist-biting monkeys were talking about here.

Travel insurance can also provide protection for your gear/belongings, pay for trip cancellations, problems with baggage, emergency medical situations, and more.

So read on to learn everything you need to know about travel insurance. It’s a small price to pay to get protection and peace of mind for your whole trip.

Related: 79 Visa-Free Countries (+eVisa & VOA) for Philippine Passport Holders

What is a Travel Insurance?

It’s a contract or arrangement with an insurer to guarantee some form of compensation for a specified loss, illness, accident, damage, interruption, and others during your travels.

Put simply, it provides you with coverage for unexpected situations whether traveling domestically or abroad.

How Travel Insurance works?

Like regular insurance, it works by paying a fee to buy a policy. The policy is essentially the contract that states the types of reimbursements or refunds that your insurance can pay for.

For example, say you have a business trip to Spain. Three days before your flight, you experience chest pains and decide to get a checked by a doctor. He concludes that you contracted pneumonia through some form of bacteria.

You were advised to cancel the trip. Will you get reimbursed for travel expenses you already paid like tickets and accommodation?

Yes—if you have travel insurance.

Depending on the type of policy you purchased, expenses incurred for the trip will be reimbursed by your insurance company .

What does a Travel Insurance cover?

Travel insurance can reimburse you on the following expenses:

• Canceled trips
• Medical emergencies
• Lost baggage
• Emergency Evacuation
• Legal costs (for unexpected incidents you didn’t cause)
• Protection of property (gear and possessions) and more.

Related: 40+ Ways to Save Money while Traveling

Types of Travel Insurance in the Philippines

While you’ll see different types of travel insurance policies out there, the two main types are Vacation Plan and Travel Medical Plan .

1. Vacation Plan Insurance

This type of travel insurance is considered to be the widest in terms of coverage. Most sub-types fall under this category. Package plan, trip cancellation, trip insurance, and the generic, “travel insurance” are considered as types of vacation plan insurance.

What coverage does vacation plan insurance provide? Here are some of the most common items covered:

• Interrupted/Cancelled Trips
• Medical Emergencies
• Lost/Delayed Baggage
• Gear protection
• 24/7 Assistance

You’ll notice that medical emergencies are still included under Vacation Plan insurance. This is because some all-in-one policies also include it on the coverage.

However, if you only seek to have medical coverage when traveling and feel like you won’t need the rest, then the next type of travel insurance is what you should get.

Related: Complete International Travel Checklist

2. Travel Medical Plan

Your health insurance provider usually provides only partial or zero coverage when traveling.

A travel medical plan ensures you have adequate medical assistance should the need arise when you’re away from your home country.

• Medical Expenses
• Emergency Evacuations

Related: Easiest Countries to Get a Citizenship

Why do you need Travel Insurance?

The answer will vary from one person to another. Essentially, however, you’re paying for peace of mind. It’s protection for your pockets.

Same reason why you get a car insurance or life insurance : It helps sidestep any headaches caused by unforeseen expenses during your travels.

Think about it: Say the guy who got bit with the monkey earlier didn’t have insurance. He’ll be forced to shell out money from his own pockets to pay for the medical expenses.

That could have affected his budget for the trip, forcing him to cancel some of the items on his itinerary to make up for the expense.

Or maybe someone fell ill back home and you need to go back ASAP. With the right travel insurance, you can reimburse the fees you paid and get back home without worrying about “wasting” what you paid for.

The same applies if your destination country is suddenly reported to experience some form of weather disturbance or natural calamities (typhoons/hurricanes/earthquakes) and you are forced to bail out. Travel insurance keeps you compensated for the expenses you already paid for.

Also Useful:  How to Get a Philippine Passport: DFA Online Appointment & Requirements

How much does Travel Insurance cost in the Philippines?

It varies. Most will fall within the range of Php 500 to Php 3000 for a single trip (4 days to a week, based on the estimated quotes provided by each insurer. More on this later).

There are several factors that affect how much your quote will be.

These are age, type of activities you’ll do during your travel, level of coverage, destination country, length of travel, medical conditions, and others.

To give you an idea of how much travel insurance costs, I’ve pulled up some sample quotes from GoBear (a comparison website).

For travel insurance packages for trips to Asian countries (single trip):

Price range: Anywhere from Php 400 to Php 800

For travel insurance packages to other countries/worldwide (single trip):

Price range: Anywhere from Php 500 to Php 3000

Best Travel Insurance Companies for Filipinos Traveling Abroad

We’ve compiled a list of travel insurance companies currently offering various policies depending on your needs. Read on to compare, you might find this useful on your next travel abroad.

Note: Please make sure to visit each insurer’s official website to get up-to-date rates. Policy coverage shown here may vary from the insurer’s product page depending on the type of plan you will avail of.

1. World Nomads

Service coverage: Worldwide Prices start at: $38 for Standard Plan; $42 for Explorer Plan

World Nomads Pty Ltd is a travel insurance company based in Sydney, Australia. It was founded in 1999 and has been a go-to insurance provider for most independent (and adventurous) travelers worldwide.

Policy coverage:

They provide emergency medical support, evacuation assistance, trip cancellation, and even include coverage for adventure sports and activities (which is not usually provided by other insurance companies).

If you check their site, you’ll see that they offer a myriad of insurance features that the more “Active” nomads will find useful. These include the following:

• Pain relieving dental treatment                     
• Prescribed medicines by a doctor or specialist                     
• Daily emergency cash allowance in hospital                     
• Hospitalization or treatment by a doctor or specialist                     
• Physiotherapy or chiropractic treatment                     
• Treatment by acupuncture or osteopath                     
• Counseling after an assault or mugging                     
• Sports & adventure activities                     
• Study, work and volunteer

2. AXA iON – Smart Traveler

Service coverage: Worldwide Prices start at: Php 990 (Essential Plan)

AXA iON is AXA Philippines’ travel insurance service. They have a pretty comprehensive list of options which includes the following:

Policy Coverage:

• Personal accident
• Emergency Medical Evacuation and Repatriation
• Travel Inconveniences
• Personal Belongings
• Other Benefits (Personal liability, hijacking, kidnapping, funeral and burial expenses)

3. AIG Travel Guard

Service coverage: Worldwide Prices start at: Php 400 (1 to 4 days)

AIG is a global insurance company that has been around for decades, catering to businesses, institutions, and individuals worldwide. One of their products is AIG Travel Guard, which is focused on providing insurance solutions to traveling individuals.

• Medical expense
• Medical evacuation
• Repatriation expense
• Child Guard
• Compassionate visit
• Baggage delay
• Trip cancellation
• Trip termination
• Baggage and personal effects
• Flight delay
• Loss of travel documents
• Personal liability

4. Fortune General

Service coverage: Worldwide Prices start at: Php 900 (1 week)

Fortune General (FGen), has revamped its travel insurance services to include more features. They provide insurance for people traveling to Asia, Schengen (Europe), and to the rest of the world.

• Accidental benefit
• Medical expense and hospitalization
• Medical evac or repatriation
• Emergency Dental Care
• Repatriation of Family Member
• Repatriation of Mortal Remains
• Compassionate Emergency Visits
• Compassionate Emergency Return
• Care for Minor Children
• Flight Delay
• Missed connecting flight
• Trip diversion
• Strikes and aircraft hijacking
• Emergency trip cancellation
• Emergency trip termination
• Personal belongings and baggage
• Other services

5. Pacific Cross

Service coverage: Worldwide Prices start at: Php 500 (Executive Peso Plan)

Pacific Cross is a medical, accident, and travel insurance service provider. It was founded in the Philippines and now operates across various branches across Asia.

Their market focus is on ASEAN countries, providing insurance products to residents in the Philippines, Thailand, Vietnam, Cambodia, Indonesia, and Hong Kong.

• In-patient and Out-Patient care
• Emergency dental treatment
• Emergency room availment and in-patient reimbursement for pre-existing conditions
• Recreational activities
• Recreational extreme sports
• Implants coverage necessitated by a covered accident
• Hospital income
• Funeral and burial expenses
• Land vehicle rental excess protection

6. Malayan Travel Master

Service coverage: Worldwide Prices start at: Php 375 (4 days in ASEAN)

Malaysian Travel Master touts itself as “The most comprehensive international travel health insurance in the Philippines”. They offer competitive pricing on their packages and caters to both local and international travels.

• Personal Accident
• Emergency medical treatment (excluding pre-existing conditions)
• Recovery of travel expenses
• Travel inconvenience benefits
• Travel assistance benefits
• Value-added features

7. MAPFRE Philippines

Service coverage: Worldwide Get a quote: Contact MAPFRE at [email protected]

MAPFRE Insular offers non-life insurance packages which are mainly focused on motor vehicles and other niche areas like engineering, marine cargo, fire, and allied lines, surety and microinsurance.

They currently offer a Travel Insurance package for both international and domestic use.

• Medical expenses and hospitalization benefits
• Trip cancellation and curtailment benefit
• Accidental death and permanent disability of insured
• Repatriation of mortal remains

8. FPG Insurance

Service coverage: Worldwide Prices start at: Php 450 (Classic Plan – 4 days)

Operating under the Zuellig Group of Companies, FPG Travel is the company’s insurance offering for individuals who need protection during their travels.

• Medical treatment/expenses
• Emergency dental care
• Medical evacuation and repatriation
• Return of a family member when traveling with the insured
• Trip cancellation and curtailment
• Delayed departure
• Loss of travel documents and money
• Luggage delay

9. Standard Insurance

Service coverage: Worldwide Prices start at: Php 495 (Asia Protect Peso – 8 days)

Standard Insurance offers both ASEAN and International travel insurance packages. They offer competitive rates for as little as Php 500 for a coverage of up to Php 500,000 (ASEAN).

• Emergency Medical Assistance
• Emergency Travel Assistance
• Travel Inconvenience Benefits
• Personal Liability Benefit
• Personal Accident Liability

10. Pioneer Insurance

Service coverage: Worldwide Prices start at: Php 399 (ASEAN 4 days)

Pioneer Life Inc was established in 1964 and is currently 100% Filipino-owned after the joint venture with Allianz AG of Germany in 2003.

• Emergency trip cancellation and termination
• Damage to baggage
• Loss of baggage
• Loss of personal money
• Loss of Travel documents

5 Tips for Buying the Best Travel Insurance

Tip #1: determine what type of insurance you need.

Before choosing a travel insurance, you should ask yourself the following questions:

• What type of activities will I be doing on the trip?
• Will I be carrying valuable possessions or baggage?
• Is there a chance or reason for the trip to get canceled?
• How much am I willing to pay for insurance?
• Does this company have a decent track record?

And other similar questions. The goal is to have a nice checklist that ticks off everything you think you’ll need for the trip.

For example, say you’re a professional photographer. You’ll be traveling to Europe for a paid assignment. Since you’ll be carrying valuable (read: expensive) gear, it’s crucial that the travel insurance you get prioritizes coverage for possessions and/or baggage-related assistance.

Tip #2: Make sure it has sufficient medical coverage

Seasoned travelers will tell you that the most expensive potential money drain (if you don’t have travel insurance) are medical-related. Accidents and injuries can range from minor to serious, easily costing you thousands of pesos from your own pocket.

A good travel insurance policy should be big enough to cover both minor and major medical issues.

Also, try to get one that has separate coverage for emergency evacuation. Since you’ll be getting insurance anyway, better get the best one you can afford.

Having the option to have a helicopter fly you off to the nearest hospital during a medical emergency (during your travels to hard-to-reach locations)  or natural disaster/calamity is highly valuable and could spell the difference between life or death.

Tip #3: As with any agreements or contracts, you should always check the fine print.

Two companies might offer similar-looking plans but the other is cheaper.

What’s the deal?

Almost always, you’ll know it by reading the fine print carefully. One might be cheaper, but with it comes a slower and more painful claims process.

The speed of getting your claims can make or break a trip, so better be careful in choosing your insurance so you won’t regret it later.

Tip #4: Take advantage of your credit card perks

Most credit card companies include travel insurance as one of the perks for their travel-focused credit cards. It’s part of their “Frequent Traveler’s” package and it can prove valuable for saving yourself a couple of hundred to a few thousand pesos for travel insurance.

Check out our list for best credit cards for travel to know more which ones provide free travel insurance.

Tip #5: Know what’s not included in your policy

Again, this goes along with doing your homework as you decide on which travel insurance company to go with.

What’s not usually covered:

• Extreme adventure activities (though some insurers provide packages for these types of activities)
• Alcohol and drug-related incidents
• Baggage/luggage issues due to the carelessness of policyholder
• Pre-existing conditions (double-check with the insurer)

Bonus tip: Purchase travel insurance at least 2 days before your trip.

Most policies get activated within 24-48 hours within approval. You don’t want to head out without adequate protection activated yet. Be safe, apply and get approved early.

Check with the insurer to confirm the exact date of when the insurance will apply.

How to Claim your Travel Insurance

It’s quite easy, actually. You just need to contact your insurer via their preferred method.

They will then ask you to submit the required documents to serve as proof of the validity of the claim.

In general, it’s a good idea to provide as much documentation as you can so as to avoid any further delay brought about by insufficient requirements.

Always check with your insurance provider what they will need exactly to approve your claim as it may vary from one insurer to another.

Required documents for claiming travel insurance due to trip cancellation:

• Documentation supporting the reason why you need/had to cancel the trip
• Invoice of trip expenses which may include the details (what, when, where) of the trip itself, airline tickets, room or hotel accommodation receipts
• Receipts and itemized bills for all trip expenses
• Physician’s statement (for medical-related incidents)
• Police reports (for stolen baggage or vehicular accidents)
• Unused tickets

In conclusion:

Benjamin Franklin once said, “By failing to prepare, you are preparing to fail”.

Travel insurance is one of those things that you need but hope you’ll never need to use. That’s just the way insurance works. Should you do, however, you’ll be thankful you have it.

Remember: Don’t be penny wise and pound foolish . A few hundred pesos for travel insurance is a tiny price to pay for protection from potentially massive expense later. Save yourself from this trouble and get adequate protection.

Disclaimer: Grit PH strives to post up-to-date information on all investment, banking, and other financial products we feature. However, information may change without notice. Therefore, we do not guarantee the accuracy of the information listed on the website, including those provided by third parties at any particular time. 

It is best to review the updated terms and conditions of your chosen financial institution. Grit PH is not affiliated with the companies mentioned in the article. All testimonials and opinions are representative only of the writer’s experience, but the results will be unique to each individual.

About Amiel Pineda

Amiel Pineda is the Head of Content at Grit PH.

He started freelance writing in 2010 doing product reviews and tech news. In 2018, he became a full-time freelancer, writing in the financial space and creating content for clients in various niches.

Prior to freelancing full-time, he worked 7 years in the financial services industry for a Fortune 500 company.

He also writes on his personal blog, Homebased Pinoy (https://homebasedpinoy.com/), where he shares tips and guides as a work-from-home freelancer, along with NFT-game guides.

Education: Technological Institute of the Philippines (Bachelor of Science in Electrical Engineering) Focus: Freelancing, Entrepreneurship, Financial Products, Investing & Personal Finance

Reader Interactions

February 10, 2019 at 1:04 pm

What travel insurance for old but fit, 86 year old can you recommend?

April 15, 2019 at 2:31 am

This is actually helpful, thanks.

May 22, 2019 at 12:42 pm

Medical insurance to use working abroad such as USA?

August 12, 2019 at 3:33 am

Hi Amiel, thanks for this. When World Nomads stopped supporting Filipino travelers early this year, we had to search for alternatives which are not as good as what World Nomads offered. This is really helpful. I just have some follow up questions: 1. Are these the “best” or “the only” providers offering travel insurance to Filipinos? 2. If the best, what was your criteria for saying that? 3. Is your list ranked from best to worst among the list of the best? 4. What then in your opinion is the best among these and why? Thanks. Gio

September 28, 2019 at 1:30 am

Do you know any travel insurance companies that offer insurance to travelers aged 70+? It seems like all of them stops at 70 year olds 😭

November 15, 2021 at 9:42 pm

Hi, would you know insurance companies offering travel insurance with covid19 coverage and covers travelers 75 years old and above as well? Thank you.

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

We need your help!

Our team is currently conducting research for an upcoming guide focusing on starting a business in the Philippines . We would greatly appreciate your contribution, which should only require a few seconds of your time. 

Thank you in advance!

• Digital Marketing
• Search Engine Optimization (SEO)
• Digital PR & Link Building
• Social Media Marketing
• Digital Advertising (PPC & Social)
• Content Marketing
• Copywriting
• Email Marketing
• Conversion Optimization
• Web/App Development
• Ecommerce Development

Please enable JavaScript in your browser to complete this form. Name * Location of Business * Number of Employees * 1 - 10 11 -50 51 - 100 100 - 500 500+ Phone Number * Email * Insurance Company Standard Insurance AXA Philippines BDO AIG Submit

Please enable JavaScript in your browser to complete this form. Full Name * Company Name * Mobile Number * Email Address * Submit

Please enable JavaScript in your browser to complete this form. Name * Contact Number * Email Address * Target Location Preferred Developer * Ayala Land SM Prime Megaworld Alveo Land DMCI Homes Federal Land Robinsons Land Corp Vista Land and Lifescapes Filinvest Land Shang Properties Century Properties Empire East Rockwell Land Message Submit

Disclosure: Your personal details will not be shared with any third-party companies. We’ll just need your contact details so our resident real estate agents can reach you to provide you with the details for any of the listed property developments you’re interested to invest in.

Please enable JavaScript in your browser to complete this form. Name * Age * Location* Phone Number * Email Address * Insurance Company Sun Life Financial Pru Life U.K. AXA Philippines AIA Philippines Manulife Insular Life BPI-AIA BDO Life Etiqa FWD Insurance Allianz PNB Life Phone Get a Quote

Disclosure: Your personal details will not be shared with any third-party companies. We’ll just need your contact details so our resident financial advisors can reach you to provide you with the details for any of the listed insurance company you’re interested in.

• Top Stories
• Pinoy Abroad
• #ANONGBALITA
• Economy & Trade
• Banking & Finance
• Agri & Mining
• IT & Telecom
• Fightsports
• Sports Plus
• One Championship
• TV & Movies
• Celebrity Profiles
• Music & Concerts
• Digital Media
• Culture & Media
• Health and Home
• Accessories
• Motoring Plus
• Commuter’s Corner
• Residential
• Construction
• Environment and Sustainability
• Agriculture
• Performances
• Malls & Bazaars
• Hobbies & Collections

BDO Insure, a wholly-owned subsidiary of BDO Unibank Inc., offers financial and emergency medical protection to travelers through its comprehensive travel insurance plans with COVID-19 coverage as more Filipinos are traveling again.

Sixty percent of the respondents, who are based all over the country, plan to travel domestically this year, while 50 percent are ready to fly to international destinations, according to a recent survey commissioned by an airline company.

The travel insurance plans available through BDO Insure include coverage for emergency medical treatment for COVID-19, travel inconveniences benefits and access to a 24/7 emergency travel assistance hotline.

“Although we try our best to plan our trips to the very last detail, sometimes, we still encounter unexpected events and inconveniences such as baggage loss, flight delays, trip termination or cancellation, or worse, medical emergencies. Having travel insurance provides the financial protection for these unwanted events,” said BDO Insure general manager Ma. Theresa Tan.

• BDO Unibank Inc.

LATEST NEWS

Zubiri raises anew the case for economic cha-cha in fueling ph growth, 2 cops escorting chinese national arrested for alarm and scandal, timberwolves rally to knock defending champion nuggets out of nba playoffs, imee seeks presidential proclamation to hasten distribution of ‘lupang arenda’, popular articles, nexgen energy eyes p580-million ipo in july 2024, iran president raisi’s helicopter found, ‘no sign of life’.

• Economy & Trade
• Banking & Finance
• Agri & Mining
• IT & Telecom

On the Road

• Monitoring Plus
• Commuter's Corner
• Malls & Bazaars
• Hobbies & Collections
• Travel Features
• Travel Reels
• Travel Logs
• Entertainment
• TV & Movies
• Music & Concerts
• Culture & Media

Home & Design

• Environment & Sustainability
• Users Agreement

© All Rights Reserved, Newspaper Theme.

• Special Pages

You are using an outdated browser. Please upgrade your browser to improve your experience.

Card Benefits

Business Services

Accept our Cards

Your passport to a world of unforgettable experiences

The Platinum Card®

By invitation only

Activate your Card

Terms & Conditions Apply

Key Benefits at a Glance

Platinum Rewards

Earn 1 Membership Rewards® point for every dollar spent. Points do not expire.

Complimentary Airport Lounge Access

Unlimited access to over 1,300 airport lounges around the world with the American Express Global Lounge Collection™.

Travel Insurance Coverage

Up to USD500,000 complimentary travel accident protection

Explore the Power of The Platinum Card

The Platinum Card grants you exclusive access to an exciting world of privileges enjoyed by a select few.

Platinum Membership Rewards® Program

• Earn 1 Membership Rewards ® point for every dollar spent. Points do not expire.

Airport Lounge Access

• Access to over 1,300 airport lounges worldwide, including access to the exclusive Centurion ® Lounge.

Private Club Access

• Enjoy complimentary access to the elite, members-only Tower Club Singapore

Exceptional Service and Support

• Our Platinum Concierge Desk is ready to assist you 24 hours a day, 365 days a year
• Up to USD2,000,000 medical treatment benefit and up to USD 500,000 complimentary travel accident protection

Enjoy complimentary access along with your traveling companion to the following lounges:

• Marhaba Lounge*, NAIA Terminals 1 and 3
• Priority Pass™ lounges**. Click here to find a lounge.
• The Centurion ® lounges. Click here to find a lounge.
• Delta SkyClub ® lounges*** (Cardmember only). Click here to find a lounge.

Book and Access Lounge with LoungeBuddy

• Discover, book, and access premium airport lounges worldwide with LoungeBuddy. Click  here  to know more.

Benefits differ by partner and are subject to change/availability. Participating Airport Lounges are subject to change at any time.

Present your active Card and other required travel documents upon entry in participating airport lounges.

*Complimentary access to Marhaba Lounge is until June 30, 2024. 

**Effective April 15, 2024, lounge visit fee for guest/s over the complimentary allocation will be USD35 per person per visit

***Cardmembers traveling on the same-day operated Delta -operated flight with Basic Economy (E) fare tickets will not have access to the Delta Sky Club or to Grab and Go.

International Airline Program

Enjoy preferential fares* on international air travel when you purchase qualifying ticket with our airline partners – Emirates, Etihad Airways and Qatar Airways through the Platinum Travel Service at 8840-7800 (Press Option 2).

*Terms & conditions apply.

Platinum Hotel Program

Special treatment is reserved for Platinum members at a selection of exceptional hotels and resorts around the world.

Elite Partner Programs

You and your Supplementary Cardmembers can enroll into the loyalty programs of our hotel partners at an elite status, bypassing any stays/points requirements:

• Hilton Honors Gold status
• Radisson Rewards Premium status

To enroll, call Platinum Card Services (+632) 8840-7800 (Press Option 1)

Fine Hotels + Resorts

Explore over 1,300 properties worldwide when you book Fine Hotels + Resorts with the Platinum Travel Service and receive an average total value of US$550 US in perks. Like daily breakfast for two, 4PM late check-out, and a US$100 experience credit to savor something unique at each property. Terms apply.

The Hotel Collection

Get a US$100 hotel credit and a room upgrade if available when you stay at least 2 nights – choose among more than 500 hotels worldwide.

For more information about Fine Hotels + Resorts and The Hotel Collection or to make reservations, call Platinum Travel Service at (+632) 8840-7800 (Press Option 2) from Monday to Friday (except holidays), 9AM to 6PM.

Car Rental Loyalty Programs

As a Platinum Member, enjoy special benefits such as discounts, upgrades and priority service at exclusive car rental partners.

• Hertz Gold Plus Rewards - Five Star 
• Avis Presidents Club

Comprehensive Travel Accident and Inconvenience Protection Insurance 

Get up to USD2,000,000 medical treatment benefit and up to USD500,000 travel accident protection coverage when entire travel fare is charged to your Platinum Card.

• Medical Treatment – Up to USD2,000,000
• Travel Accident Insurance – Up to USD500,000
• Travel Delay – Up to USD400 (minimum of 4 hours)
• Emergency Trip Cancellation – Up to USD10,000
• Missed Connecting Flight – Up to USD650 (minimum of 6 hours delay)
• Baggage Delay – Up to USD400 (minimum of 6 hours)
• Baggage Loss or Damage – Up to USD2,000 (subject to per item limit of USD150)

Purchase Protection

Your retail purchases are insured from theft, loss or damage within 30 days from purchase for up to US$1,650 per item or max of US$10,000 per year. Applicable only when you charge your entire fare to your Platinum Card.

​Insurance coverage is subject to the terms and conditions of the insurance provider. To request for insurance claims, call BDO Insure Contact Center at (+632) 8838-BDOI or 8838-2364..

Enjoy complimentary access to the elite, members-only Tower Club Singapore. Located on the penthouse floors of Republic Plaza, which commands breathtaking views of Raffles Place, you will enjoy membership privileges such as the use of all dining and conference facilities.

American Express Invites®

American Express Invites ® brings you a programme of handpicked events, then invites you to experience them. From sought-after shows to exclusive one-off events created just for Platinum Card Members, you can be part of many special moments.

The Platinum Concierge Desk

Our Platinum Concierge Desk is dedicated to making your wishes come true. Leave the little details to your committed Concierge Desk, 24 hours a day and 365 days a year, making even the tiniest of requests come true.

Whether you're looking for an exceptional place for a special occasion, pre-booking tickets to the greatest shows on earth or trying to find the most charming hotel in a city you've never been to, your 27/4 Platinum Concierge is ready to help you. Call your Platinum Concierge at (+632) 8840-7800 (Press Option 3).

Online Shopping Save your Card details in your favorite online shops for fast and easy checkout. Ensure to enter the correct card security code when making a purchase online.

• For STRAIGHT online transactions, enter the 4-digit code printed on the front portion of your Card.
• For BUY NOW, PAY LATER online transactions, use the 3-digit code printed at the back portion of your Card.

Life's more rewarding when it is about you. Enjoy rewards to your heart's content by redeeming your points with rewards tailored to your taste - from dining to shopping to entertainment and more.

Membership Rewards®

Earn 1 Membership Rewards ® point for every dollar you spend.

Enjoy rewards to your heart's content by redeeming your points with rewards tailored to your taste - from dining to shopping to entertainment and more. No earning cap or expiration date --- that's simply because these points are for the lifetime of your Membership.

Click  here  for the Incentivo Catalogue and for more details on the American Express Membership Rewards ® Program.

Frequent Traveler Programs

You are automatically enrolled under the Frequent Traveler Program. Redeem your points from as low as 1,000 Membership Rewards® points to 1,000 Air Miles with frequent flyer programmes such as Enrich, KrisFlyer, Asia Miles, Delta Skymiles, Royal Orchid Plus or frequent stayer programmes with hotel groups like Hilton Honors & Marriott Bonvoy.

Financial Management

• No pre-set spending limit.
• Billings in US Dollar.
• Complete control of your spending by paying your outstanding bill in full every month.

Cash Advance

Get up to USD 5,000 cash via select BDO branches nationwide or any BDO affiliated ATMs. For overseas cash advance availment, just look for ATMs bearing the American Express logo.

Online Services

Check your statement online anytime whether you are home or abroad. 

Many Ways to Pay Your Bill

Choose how you want to pay:

• BDO Branches: Cash or check payments are accepted at any branch.
• BDO Online Banking: Transact anytime anywhere in the world through www.bdo.com.ph.
• Auto-Debit Arrangement (ADA) Payment Facility.

Enjoy exclusive access to a complimentary lifestyle concierge that provides personalized assistance to make life easier.

From everyday requests such as booking a personal trainer, arranging reservations with hotels or restaurants, to scheduling medical consultations, and even sourcing for a must-have item exclusively sold in Italy.

The Platinum Concierge will be more than happy to assist you, whenever and wherever you are.

We may be reached at:

(+632) 8840-7800 (Press Option 3)

(IAC)+800-8-8407400 (International Toll-Free)

Click here for the list of International Access Codes.

Benefit Details, Terms & Conditions and Forms

For more details on the benefits, terms & conditions and product disclosure, please click here

Terms and conditions apply for the benefits mentioned. 

You may also be interested in these Cards

View All Cards 

American Express® Platinum Credit Card

Enriching travel and lifestyle benefits at your fingertips

American Express® Explorer Credit Card

More miles with every Peso spend

We partner with merchants to bring you fantastic offers that we think you'll love.

Trusted Service

American Express begins and ends with service. 

Warmly welcomed at thousands of places across the country, globe, and the web.

You are using an outdated browser. Please upgrade your browser to improve your experience.

You must enable JavaScript to view this page.