Travel Insurance

Aside from the fact that travel insurance is a requirement during your visa application, here are some of the reasons why you should get it from us:

• Time-saver Widest travel insurance options. Don’t waste time looking around.
• Value for money Latest promotions, great discounts and best deals.
• Hear what others say Reviews & coverage scores for smarter comparisons.
• Unbiased We don’t work for any insurer or broker; we just show you all options.

What is Travel Insurance?

Traveling always involves uncertainty. You don’t know when your immigration documents might be misplaced or if your airline will mishandle your baggage. According to Investopedia, travel insurance is any product designed to cover the costs and losses, and reduce the risk associated with unexpected events you might incur while travelling.

Flight cover can help ensure that you never have to spend more on your trip for mishaps that can help wash away anxieties and worries. Getting protection against baggage loss, delayed flights, terror attacks and even loss of travel documents by getting the right insurance from us.

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 hotel 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 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:

• Single trip travel insurance This is the most common plan that 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.
• Annual trips travel insurance This is an option that 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.
• 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.

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 coverage benefits of travel insurance?

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.