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Compare travel insurance

Name Product Personal Accident Medical expenses while traveling Trip cancellation Loss of baggage & personal belongings
FPG Insurance Classic Plan
FPG Insurance Classic Plan
PHP500,000
PHP500,000
PHP25,000 (deductible PHP1,250)
PHP12,500
Pacific Cross Prestige Plus (Worldwide)
Pacific Cross Prestige Plus (Worldwide)
PHP180,000
PHP3,600,000
PHP120,000
PHP5,700 per item, max PHP39,000
Prudential Guarantee Travel Shield Standard
Prudential Guarantee Travel Shield Standard
PHP1,000,000
PHP1,000,000
PHP75,000
PHP10,000 per item, max PHP50,000
Standard Insurance Asia Protect Peso 500,000
Standard Insurance Asia Protect Peso 500,000
PHP1,000,000
PHP1,000,000
PHP50,000
PHP2,500 per item, max PHP15,000
AXA Smart Traveller Essential
AXA Smart Traveller Essential
PHP1,000,000
PHP500,000
PHP50,000
PHP5,000 per item, max PHP20,000 (subject to 500 deductible)
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Why do I need to buy travel insurance?

A travel insurance plan may cover the high costs that can be incurred from unforeseen circumstances such as luggage loss, cancellation of your trip, serious illness, or accidents. It provides you with peace of mind and the opportunity to enjoy your trip without worry.

Q: What is loss of money in travel insurance terms?

This protects you by providing reimbursement, up to a certain amount, in case of monetary loss during your trip. Covered cases include loss of money or credit cards as a direct result of theft, robbery, or burglary in the course of a trip. Coverage requires that you report the incident within 24 hours of occurrence.

Q: What is loss of travel documents in travel insurance?

Your travel insurance provider reimburses the expenses incurred for processing the replacement of lost documents necessary for your travel. This insurance coverage includes loss of passport or travel agency papers, the Visa required for entry to countries that request for it, a separate Schengen Visa for entry to certain European countries, or even other stuff like airplane tickets and documents required by the immigration authorities of the country you’re traveling to. Loss of travel documents without travel insurance to back you up can prohibit you from taking the trip, and will cost a lot more because you need to get replacement documents just in time for your trip.

Q: What is sports coverage in travel insurance terms?

This provides coverage from injuries that result from sports and other extreme activities.

Q: What is personal accident in travel insurance terms?

Personal accident in travel insurance occurs when a mishap during travel leads to a person’s death or loss of body parts. This benefit entitles the insured (or his or her estate, when it tragically comes to that) to a package of benefits, the most significant of which is the accidental death, dismemberment, or disability coverage, also known as accident insurance.

Q: What is dismemberment in travel insurance?

Dismemberment in travel insurance covers you in case of accidents involving your limbs during your trip. It is also an insurance coverage provided by most medical insurance companies. A lump sum is provided to the insured person in case he loses a limb or any other part of his body stated in the policy. Almost all providers of personal accident insurance cover dismemberment; sometimes it is under the coverage called “personal accident.” However, the percentage of the benefit provided will depend on the insurance provider. Some providers offer 100% coverage, which means that the insured will receive the same amount meant for personal accident coverage. On the other hand, some only offer 70% or 50% coverage.

Q: What is automatic extension in travel insurance?

An automatic extension in travel insurance refers to extending the insurance policy beyond its set date of expiry due to circumstances outside the control of the policyholder or the insured person. With this coverage, your policy is extended immediately without the headache of added premiums, fees, or top-ups, in the event that there are travel delays or medical emergencies.

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