Travel Protect International is designed for individuals traveling on vacation, study, or seminars/conferences.

Travelers who are between 0-59 years old may avail of Travel Protect International with COVID-19 based on regular rate. Travelers who are between 60 to 75 years old may be covered subject to a premium surcharge.

Travel Protect International excludes cover for skilled persons/skilled laborers when traveling for the purpose of employment or in the course of employment. Also, COVID-19 high-risk occupations such as healthcare workers, nursing professions are excluded.

Travel Protect International provides the following benefits during travel:

Travel Inconvenience Benefit:

• Loss of Personal Money

• Car Rental Excess Protection

• Trip Cancellation including claims due to/ arising from COVID-19

• Trip Postponement

• Delayed Departure (Outbound and Inbound)

• Missed Connection (Outbound and Inbound)

• Diversion of Trip (outbound and inbound)

• Inconvenience Cash Assistance for Delayed Departure, Missed Connection and Diversion of Trip (Not Receipted)

• Trip Termination including claims due to/ arising from COVID-19

• Baggage Delay

• Inconvenience Cash Assistance for Baggage Delay (Not Receipted)

• Loss or Damage of Baggage

• Hijack

Emergency Medical Assistance:

• Medical Treatment including claims due to/ arising from COVID-19

• Emergency Medical Evacuation/Repatriation

• Repatriation of Mortal Remains

• Care of Minor Child/ren

• Compassionate Visit

• Delivery of Medicine

• Hospital Income

• Emergency Dental Care

Personal Accident Benefit:

• Accidental Death

• Permanent Total Disablement

• Burial Assistance

• Personal Liability

• Travel Protect International is intended for persons traveling on vacation, study, or seminars/conferences. It excludes cover for skilled persons/skilled laborers when traveling for the purpose of employment or in the course of employment. 

Coverage shall start:

• When the Policyholder leaves his/her home in the Usual Country of Residence to commence the travel, but not earlier than twenty-four (24) hours before the start date shown on the policy schedule as evidenced by the original departure time shown on the travel ticket, it ends under all other sections:

• No more than 24 hours from actual date of return as evidenced by the original arrival time shown on the travel ticket; or

• No later than end date of the policy as shown in the policy schedule; or when the Policyholder is in his/her home address in the Usual Country of Residence, whichever is earlier.

Yes, for as long as your trip has yet to start and there is no known loss.

• Note: Trip Cancellation benefit will respond if the travel insurance is purchased at least three (3) days prior to the scheduled trip.

Covid-19 related claims is covered under Travel Protect International. The Insured person is covered if diagnosed with COVID-19 during the insured trip or within fifteen (15) days prior to the scheduled trip departure date, provided travel insurance is purchase prior to such diagnosis.

Trip Cancellation benefit will respond only if the travel insurance policy was purchased at least three (3) days before the scheduled trip.

Travel Protect International can cover trips outside the Philippines for a maximum of ninety (90) days. 

Yes, Travel Protect International is accredited by all Schengen States embassies. The Protect 2.5M Plan meets the insurance requirements of Schengen embassies in the Philippines. 

Cancellation of the Travel Protect International cover shall only be allowed for Policyholders with denied visa applications upon presentation of a denial letter issued by the embassy on or before the commencement of the scheduled flight. Refund of premium shall be exclusive of applicable taxes and service fees. 

The COVID-19 coverage applies only if you are diagnosed with COVID-19 fifteen (15) days before your scheduled departure. Trip cancellation solely due to a pandemic-related travel advisory issued by the government is not covered. 

Trip Cancellation: Trip cancellation means the abandonment of the scheduled trip by outright cancellation of reservation made by the Policyholder for the travel ticket and accommodations resulting in the refund of a portion of the payments made in advance.

The Company will reimburse up to the limits stated in the Schedule of Benefits the non-refundable portion of the travel ticket and accommodation expenses or flight rebooking fees (if any), including non-refundable cruise tickets if the trip has to be cancelled.

The Company will not pay for any loss that is covered by any other existing insurance scheme, government program or which will be paid or refunded by a hotel, airline or travel agent in relation to the cancelled trip. 

Delayed Departure (Outbound and Inbound): When the departure of the booked outward or inbound international journeys (by aircraft, ship, cruise ship, coach or cross-channel train) contracted by the Policyholder for traveling is delayed by at least six (6) hours because of acts of nature as defined in the policy, a mechanical breakdown of the carrier or sunset limitation, the Company, shall reimburse any additional expenses incurred such as transportation, non-refundable cruise and hotel accommodation/bookings, prime necessity expenses (i.e., food, necessary clothing and toiletries or those items that are indispensable while the Policyholder is waiting to leave). Such payment will be made upon presentation of the corresponding and relevant original invoices and original receipts and up to the limit specified in the Policy Schedule.

This guarantee duly excludes any delay that is a direct consequence of a strike called by employees belonging to the airline company and/or the departure or arrival airports for the flight, or to service companies subcontracted by the same.

Also excluded from this guarantee are those delays that occur on charter or non-regular flights.

Flight Diversion: If the carrier contracted were diverted because of mechanical breakdown of the carrier, acts of nature as defined in the policy, intervention by the Authorities or hijackers, the Company will compensate the Policyholder up to a limit of the plan, subject to presentation of the relevant original copies of the invoices, to defray the prime necessity expenses (i.e., necessary clothing and toiletries or those that are indispensable while the Policyholder is waiting to leave).

The Insurer will also reimburse the Insured's reasonable additional expenses (up to the limit of the plan) incurred for the use of alternative scheduled public transport services to enable the Policyholder to arrive at the planned destination on time in the event that the Policyholder's scheduled flights are rerouted due to the above-named unforeseen circumstances outside the Insured's control.

Flight diversion as a result of a strike called by employees of or services companies subcontracted by the Airline and/or the flight departure, port of call or destination airports, is excluded from this guarantee.

The delay must be certified by the carrier company stating the reasons for the delay for either Delayed Departure, Missed Connection and Diversion of Trip.

A. Loss or Damage of Checked-in Baggage: The Company will pay for loss or damage to the Policyholder's baggage during the period of insurance up to the limits stated in the Policy Schedule. The limit of the Company's liability per item, pair, set that is inside the baggage shall be:

• Php 5,000, for Peso plans respectively and

• US$100 for the bag itself or the actual amount to replace the damaged luggage

But the total of all shall not exceed the maximum limits as stated in the Policy Schedule.

Benefits will not be provided for claims not declared to the carrier company as soon as the Policyholder knows the luggage is lost or damaged.

Without prejudice to the liability that might correspond to the carrier company for the luggage as a whole, the Company shall indemnify the Policyholder in the event of loss or destruction during transportation by the carrier company. The Company will compensate for lost checked-in baggage by an airline, only the portion that is not covered by the AIRLINE BAGGAGE LIMIT OF LIABILITY as set by the airline, up to the limit specified in the Policy Schedule, as a sum of both compensation payments, for the collection of baggage and possessions checked in by each Policyholder, in the event of loss, robbery or total or partial destruction during the carriage by air performed by the carrier insurer, for the purpose of which the Policyholder shall furnish a list of the contents including the estimated price and date of purchase of each item, as well as the settlement of the compensation payment by the carrier. Compensation payment for loss, robbery or partial destruction will be calculated according to the procedures recommended by international carriage by air organizations.

The minimum period of time that must elapse for the baggage to be considered to have been lost once and for all will be that stipulated by the carrier Insurer, with a minimum of twenty-one (21) days.

Compensation payments received under this guarantee will be net of the compensation received from the carrier company for the loss or damage of that baggage.

The Policyholder must:

• Lodge a formal complaint before the police at the place where it occurred, duly listing the contents of the luggage and their economic value; obtain a certificate of the said complaint;

• Present a written complaint before the carrier company, within the time limits established by each company. Keep a copy of the same; and

• Make a list of the contents of the luggage and their value.

The following are excluded:

• Baggage not declared to the carrier company

• Valuable articles, money, jewelry, debit/credit cards, and any type of document

Yes, we may issue for a group of 2 or more individuals traveling with the same itinerary/destination, same travel dates, and same conveyance. 

Yes, you may avail of the travel insurance for your family, friends, relatives, and colleagues for as long as you have their consent and you know their personal information and travel details. 

Pre-existing illness or injuries are EXCLUDED from this guarantee.

Pre-existing conditions are illnesses or injuries for which the person has been under the care of a physician and has received medical care or advice or a condition for which a reasonable person should have sought treatment.

When the departure of the booked outward or inbound international journeys (by aircraft, ship, cruise ship, coach or cross-channel train) contracted by the Policyholder for traveling is delayed by at least six (6) hours because of acts of nature as defined in the policy, a mechanical breakdown of the carrier or sunset limitation, the Company, shall reimburse any additional expenses incurred such as transportation, non-refundable cruise and hotel accommodation/bookings, prime necessity expenses (i.e., food, necessary clothing and toiletries or those items that are indispensable while the Policyholder is waiting to leave). Such payment will be made upon presentation of the corresponding and relevant original invoices and original receipts and up to the limit specified in the Policy Schedule.

This guarantee duly excludes any delay that is a direct consequence of a strike called by employees belonging to the airline company and/or the departure or arrival airports for the flight, or to service companies subcontracted by the same.

Also excluded from this guarantee are those delays that occur on charter or non-regular flights.

Delays due to air traffic or immigration concern are NOT covered under Travel Inconvenience Benefit. 

Yes, restaurant meals can be reimbursed for flight delays (for a minimum of 6 hours of delay). The Insured should keep the receipts and secure a Certification for the Flight Delay from the airline as part of the documents needed in filing a claim. 

Indemnity for loss of luggage or personal belongings not checked-in. Up to the limit duly established by the Policy purchased by the Policyholder, the Travel Protect International shall indemnify for material losses sustained by the Policyholder’s luggage or personal belongings, when travelling outside the Usual Country of Residence, in cases of:

• Theft;

• Robbery;

• Burglary within hotel rooms, where these are duly locked.

Valuable items shall solely be covered against total loss due to theft, robbery, burglary or when they are deposited in the safe of a hotel or the Policyholder are wearing/ carrying them. Coverage for this benefit shall be up to 100% of the limit as specified in the policy schedule.

Any luggage or personal belongings placed inside a locked vehicle shall be covered when they are inside the trunk and out of sight of others.

The Policyholder must lodge a formal complaint before the police at the place where it occurred, duly listing the contents of the objects and their economic value; having obtained a copy of said complaint, this must be sent to the Company.

Yes, as long as it's within fifteen (15) days prior to the scheduled trip departure date, provided travel insurance is taken prior to such diagnosis.

• Note: This benefit will respond if the travel insurance is taken at least three (3) days prior to the scheduled trip.