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What is Travel Insurance?

With over 7,000 islands in our country to visit, travelling with ease of mind is essential. A travel insurance allows you to roam the country and the world knowing that you are covered for travel hassles like losing baggage, travel delays, and trip cancellations. Read more to find out the greater benefits as well as misconceptions about this type of security for your solo and family adventures. You can compare travel insurance plans with GoBear and see how affordable it is to get you covered for up to ₱3,000,000.

Should I get travel insurance?

Travel insurance readies you for unexpected situations that may happen during your trip. It covers for clothing and necessities allowance if your luggage takes a detour to Macau when you are originally headed for South Korea. It takes care of the damages made during your Airbnb stay, or the loss of your travel documents like passports. It caters to children below 1 year old and some insurance companies accommodate people over the age of 65.

What are the benefits of travel insurance

Still not decided whether a travel insurance is in line? Check out these benefits that cater to specific kinds of travelers:

  • •  For businessmen who travel around frequently, an annual plan can be applied for which will cover each trip you take during the year.

  • •  Adrenaline junkies planning on doing risky activities such as bungee jumping, rafting, and visiting the wildlife.

  • •  People travelling with expensive goods and important documents can have their items covered by in their insurance policy.

  • •  Students studying abroad can also avail of student travel insurance with coverage benefits that are good for a whole year abroad.

  • •  OFWs can fly with peace of mind with travel insurance plans that answer to risks such as missed connecting flights.

  • What are the different types of travel insurance?

    There are different types of travel insurance to cover the needs of certain people, here are a few of the common options available:

    •  Annual trips travel insurance

    This is an option which covers your trips for the next 12 months. The same type of coverage will be applied for each of your trips. The usual maximum number of days the insurance will be effective for is 90 days for each trip.

    •  Single trip travel insurance

    This is the most common plan which covers only 1 trip for around 180 days of travelling.

    •  Group or family travel insurance

    This insurance coverage is for two or more people. Each person will get the same coverage and this is usually cheaper than getting insurance individually.

    •  Worldwide travel insurance

    Since there are insurance options strictly for domestic use, coverage for travelling abroad is also available. The prices usually don’t have a drastic difference between the two, except if you have special needs like higher medical coverage or your destination involves greater risk like war-stricken areas. See insurance recommendations and travel guides per travel destination?

    What are the coverage benefits of travel insurance?

    Travel insurance is offered by lots of companies and the options could be daunting for some. Just like with clothes, you will find something that will fit you.

    Before applying for travel insurance, you should know what the company is actually willing to cover for you. Some offer great benefits for emergency medical expenses with high limits, while others offer better coverage for accidents from extreme sports. Here are a few common benefits most travel insurance provides:

    •  Emergency medical and hospital expense coverage

    There are a lot of travel insurance benefits related to medical needs while on your trip, and the coverage could range from P25,000 to up to P3 million. Related coverage benefits include medical expenses, hospital allowance, and outpatient treatment.

    •  Worldwide assistance

    You’ll be able to access their company hotline whenever needed. You may request for emergency evacuation or even trip accommodations.

    •  Travel inconvenience benefits

    Problems such as luggage loss, delayed flights, and trip cancellation are also covered.

    See a full list of travel insurance coverage benefits.

    Travel Insurance Terms You Need to Know

    •  Premium

    This is the cost of your insurance plan. It could be paid in full or through instalments during the duration of the insurance policy.

    •  Coverage

    If you are a traveler, coverage means the benefits against the adversities of traveling that the insurance company is willing to cover you for. An insurance company might cover expenses occurred due to travel delays but won't cover the bag you lost. It pays to check a plans benefits before buying it.

    •  Deductible

    This is the amount the policyholder must pay before the travel insurance company starts making payments. For example, your travel insurance includes coverage for flight delay with a P500 deductible. That means, you'd have to pay for P500 upfront before the insurance kicks in.

    Let GoBear help you find the best travel insurance policy

    There’s a large number of travel insurance policies offering different benefits to choose. Do you want to see which travel insurance is the best for your needs? Check out our list of local and worldwide destinations with recommended travel insurance plans and neat travel guides per country:

  • •  Take me to Japan

  • •  I want to visit South Korea

  • •  Sweden is my choice

  • •  More travel destinations

  • Compare travel insurance with GoBear and check the specifics and advantages of all plans offered in the Philippines from major insurance companies, including:

    •  Standard Insurance

    •  Pacific Cross

    •  Malayan

    •  See more travel insurance companies

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    Need help on comparing travel insurance?

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    • 1.What is Coverage Score in Travel Insurance?
      Coverage score rates how a particular plan compares with other plans regarding the benefits and their amount of coverage. It rates how extensive the benefits are vis-a-vis their coverage amounts.
    • 2.What is sports coverage in travel insurance terms?
      refers to a provided coverage on injuries that result from these hobbies.
    • 3.What is personal liability in travel insurance terms?
      There are instances when a mishap that happens while you travel does not lead to an injury to you. Sometimes, you end up in an accident in which you unintentionally harm another person, causing you to assume personal liability. This becomes complicated abroad, where you may have next to no control regarding legal procedures, emergencies, and other circumstances. Hence, it’s a good thing that most you get personal liability in travel insurance.
    • 4.What is outpatient treatment in travel insurance?
      Outpatient treatment in travel insurance refers to having assistance and cover benefit for medical testing, diagnosis, and specialist consultations whenever you need it while you travel abroad. The coverage benefit called “outpatient treatment” is simply the stage of diagnosing a medical problem and providing a possible treatment for it. During an outpatient treatment, you can just go to an outpatient clinic where you can talk to a doctor who will refer you to a specialist. Say for example, you broke your arm following a somersault in one of the famous cliff diving sites in the Philippines. You can have an x-ray done at the outpatient clinic or have the doctor examine and run the necessary tests to identify the problem. Once the doctor makes a diagnosis, then they can refer you to a specialist who might have to do an inpatient treatment.
    • 5.What is personal accident in travel insurance terms?
      Perhaps the most unfortunate event that a travel insurance policy can cover, personal accident in travel insurance occurs when a mishap during travel leads to a person’s death or loss of body parts. This event leads to a package of benefits for the policyholder (or his estate, when it tragically comes to that), the most significant of which is the accidental death, dismemberment or disability coverage, also known as accident insurance.
    • 6.What is medical evacuation in travel insurance terms?
      A medical evacuation in travel insurance, sometimes called as emergency evacuation, happens when a policyholder is so badly injured that he has to be transported to a medical facility while travelling. This evacuation, which sometimes involves an air ambulance (a vehicle that sounds awesome but isn’t when your life hangs in the balance) can also happen when the injured person has to be transferred to his home country, particularly when your travel agency is of no help in getting you back.
    • 7.What are medical expenses in travel insurance terms?
      Here’s a better question, why would you need coverage for medical expenses in travel insurance? During trips abroad, most of the adverse events that happen concern medical emergencies. You can accidentally get injured on your arm during the trip, or get other sicknesses such as food poisoning, bee stings or snake bites, basically anything that a medical insurance covers. Any health concern that happened while travelling can result in heavy medical bills, especially in places where getting medical care is more expensive. This is where medical expenses can kick you hard.
    • 8.What is trip termination in travel insurance?
      Atrip termination in travel insurance, also known as a trip curtailment, occurs when a person cuts short his travel and decides to go back home ahead of schedule. When a person terminates a trip, there may be prior reservations and advanced payments that cannot be redeemed, like airplane tickets and the unconsumed hotel stay. That’s where the travel insurance companies come in to help by reimbursing a policyholder’s trip-related expenses when he has cut his trip short due to certain unexpected reasons.
    • 9.What is trip cancellation in travel insurance?
      A trip cancellation in travel insurance coverage occurs when a person opts out of a planned travel before the scheduled departure date. Simply put, a person cancels a trip when he decides not to push through before the day he was supposed to go.
    • 10.What is loss of travel documents in travel insurance?
      Loss of travel documents provides for reimbursement of expenses incurred for processing the replacement of 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, or 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 travelling to. Needless to say, loss of travel documents without travel insurance to back you up can prohibit you from taking the trip, so you shell out more money just to get replacement documents just in time for the trip.
    • 11.What is loss of passport in travel insurance?
      Loss of passport in travel insurance refers to a coverage benefit, and in some cases, assistance to replace a lost or stolen passport. Losing your passport while you’re travelling is a major disaster. But a loss of passport coverage benefit in a travel insurance helps you minimise such a problem.
    • 12.What is loss of money in travel insurance terms?
      It must suck to have your wallet and credit card stolen during your trip abroad. And it would suck more if you find out that your lost money and card were used for a lot of expenses you didn’t make before you even managed to lock that card, an activity that are harder to actually do abroad because of all the roaming charges and other complications. That’s where loss of money in travel insurance coverage comes in handy.
    • 13.What is loss of baggage in travel insurance terms?
      Loss of baggage in travel insurance coverage is for when you permanently part with your big stroller bag or the things inside it. However, its specific definition for the purposes of travel insurance coverage can vary depending on the insurer. Generally, a policyholder can get lost baggage compensation for the disappearance of his baggage he must file a report to proper authorities (such as the police and officials at the hotel or airline) indicating that his baggage or something in it was lost.
    • 14.What is hospital allowance in travel insurance?
      A hospital allowance in travel insurance coverage is the amount of money that a travel insurance provider gives to an insured person for each day that person stays in a hospital due to an illness or injury incurred while travelling abroad. It can also be described as an insurance benefit that compensates you for the income you lost because you were forced to stay in a hospital. Think of it as some sort of hospital insurance. You can compare it to a social security benefit you get from SSS or GSIS when you get hospitalized, but with (probably) fewer hassles than the typical government agency.
    • 15.What is domestic destination in travel insurance?
      You don’t just get a travel insurance when you travel abroad. You also get it when you plan on going to a domestic destination or places within the Philippines. A domestic destination travel insurance simply refers to getting yourself an insurance coverage whenever you plan a staycation and enjoy the beauty of your homeland, the Philippines.
    • 16.What is dismemberment in travel insurance?
      Dismemberment travel insurance provides a cover benefit in case of accidents with your limbs during activities when you travel. It is also an insurance coverage provided by most medical insurance companies. With this coverage, 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 cover benefit provided will depend on the insurance provider. Some providers offer a 100% cover benefit. This means that the insured will receive the same amount meant for personal accident coverage. On the other hand, some only offer a 70% or 50% cover.
    • 17.What are delayed flights in travel insurance terms?
      Delayed flights in travel insurance happen when your flight towards an international destination is late by more than a certain number of hours (usually 6 to 12 hours). An insurance policy that covers for that incident provides compensation to a policyholder when flight delays are caused by severe weather conditions, natural catastrophes or technical failure of aircraft, among other conditions. Unfortunately, a commonly cited excuse for our favourite airport, the “air traffic congestion” in NAIA, seems to be excluded in most, if not all, Delayed flights travel insurance coverage on policies.
    • 18.What is emergency repatriation in travel insurance?
      By definition, repatriation means returning a person to his original place of residence. An emergency repatriation in travel insurance works the same. It’s part of an insurance plan or policy where the company provides the necessary form of transportation—usually by air ambulance— to return the insured person to his country of origin.
    • 19.What is emergency evacuation in travel insurance?
      An emergency evacuation travel insurance, also known as “medivac” or “med evac,” refers to the immediate evacuation or transfer of an insured person in case of an injury or sickness. An emergency evacuation is often done as an emergency response to prevent a more serious sickness or grave injury.
    • 20.What are emergency dental expenses in travel insurance terms?
      To know why an emergency dental expenses in travel insurance is important, imagine this: In the middle of a trip, you figure into an accident, a mishap that resulted to having pain in your teeth or worse. Having a toothache is bad as it is; having it in a foreign country is worse, especially if it’s in a country where dental services are expensive even for those with dental insurance, one of the medically related coverages from travel insurance plans.
    • 21.What is credit card protection in travel insurance?
      Credit card protection travel insurance is a unique cover included in insurance policies, which protects your credit card from unauthorised charges and identity theft.
    • 22.What is baggage delay in travel insurance terms?
      Baggage delay in travel insurance happens when your baggage arrives late to your destination. It also happens when your baggage gets mistakenly redirected to a different location by your airline. This can cause a lot of inconveniences, not to mention that you spent an awful time complying with your airline’s baggage restrictions only for them to mismanage the transit of your belongings. You may also end up spending a lot on items that you should have had in your baggage in the first place due to baggage delay. A travel insurance plan that covers this kind of scenario will allow you to recoup the losses that this mishap caused. And if you end up with lost luggage because of your airline’s fault? You will get another form of compensation for that too.
    • 23.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 that is 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.
    • 24.Do you compare all insurance companies in the Philippines?
      We work with most insurance companies. We do not play favourites with anyone.
    • 25.How can I make sure that I don’t only get the cheapest quote but also the best quote for my needs?
      GoBear searches in a smart way which enables you to make better choices. You'll enjoy greater transparency when you filter by quotes, ratings or peer reviews. This feature ensures that you can find the best insurance deals to meet your needs.
    • 26.How will I know if my insurance still meets my needs?
      It is always a good time to reassess your current insurance plans. GoBear will help you to find the latest prices and best insurance deals available.
    • 27.Why do I need to buy travel insurance?
      A travel insurance may cover the high costs that can be incurred from any unforeseen circumstances such as luggage loss, cancellation of your trip, serious illness, accidents, etc. It provides you with peace of mind and pocket.
    • 28.What are the different plans of travel insurance?
      The most commonly used categories are:

      Single trip: A short term policy that covers a specific trip, usually always commencing from and returning to the Philippines.

      a. Individual Plan: It covers the policy holder or an individual person.

      b. Family Plan: A policy insurance covering the policyholder and his immediate family i.e. his legitimate children and his legal spouse.

      Annual Cover: A policy issued for a 1 year period covering trips commencing from and returning to the Philippines. This insurance will cover the insured person only. You can also choose between an individual plan and a family plan under an annual coverage.

      a. Individual Plan: It covers the policy holder or an individual person.

      b. Family Plan: A policy insurance covering the policyholder and his immediate family i.e. his legitimate children and his legal spouse.

    • 29. What do I have to take into consideration before choosing a specific travel insurance plan?
      For specific advise you should always liaise with an insurance company or broker (which we are not) but in general it's recommended to check certain needs and expectations you have before taking a decision such as:

      1. Do you travel alone or with your family? How frequently do you travel?

      2. Which country are you travelling to? Do they have access to good hospitals, medical facilities? Will you be travelling to more remote areas where there could be malaria, natural disasters, etc.?

      3. Are you travelling for pleasure or business?

      4. What sort of activities will you be undertaking? Skiing? Diving? Trekking?

      5. What is your budget?

      6. What are your expectations? Do you only require personal accident and medical expenses benefits, or do you also need coverage for repatriation, delayed departure, trip cancellation, loss of baggage or travel documents, etc.

    If you find these answers helpful? Check out our FAQs for other products to learn more.