Travel Insurance for Philippines

The Philippines is located in Southeast Asia and is a vast archipelago of 7600 islands spread across the Western Pacific Ocean. The country represents an amalgamation of diverse cultures and proudly stands as Asia’s largest Catholic nation. From breathtaking beaches to exhilarating volcanic hikes, there is so much more you can experience in the Philippines. 

However, to ensure your journey is safe and free from unnecessary trip-related risk, it is wise to buy travel insurance Philippines policy. The best travel insurance Philippines plan offers financial protection against a wide range of medical and travel-related exigencies. So, whether you fall sick during the trip or lose important belongings in the Philippines, your policy will support you and cover the loss.

Medical & Health Coverage

These benefits help take care of medical emergencies that may occur during your trip to the Philippines, subject to the policy terms and chosen limits:

• Medical Treatment for Illness: Covers hospitalisation and daycare treatment expenses if you fall sick during your trip. This includes reasonable and customary medical costs, with coverage options ranging from ₹1,000 up to ₹5,00,00,000.
• Medical Treatment for Accidental Injuries: Provides coverage for medical expenses arising from accidental injuries that require hospitalisation or daycare treatment. The sum insured can range from ₹1,000 to ₹5,00,00,000.
• Outpatient Medical Expenses (OPD): Covers costs related to doctor consultations, diagnostic tests, and prescribed medicines for illnesses or injuries that do not require hospitalisation. Coverage ranges from ₹250 up to ₹10,00,000.
• Emergency Medical Evacuation: Covers the cost of emergency transport to the nearest suitable medical facility in the Philippines or nearby location, including evacuation by air or ground, if medically required.
• Medical Repatriation: If advised by a doctor, this cover takes care of expenses for transporting you back to India for further medical treatment.
• COVID-19 Medical Coverage: Covers medical treatment and hospitalisation expenses if you are diagnosed with COVID-19 during your trip, as per policy terms.
• Accidental Death: A lump-sum amount is paid to the nominee if the insured person passes away due to an accident during the policy period.
• Permanent Total Disability: Provides compensation if an accident leads to permanent and total loss of physical ability.
• Permanent Partial Disability: Offers proportionate compensation if an accident results in a permanent partial disability.
• Repatriation of Mortal Remains: Covers the cost of transporting mortal remains back to India in case of death due to illness or accident while abroad.
• Compassionate Visit: Covers travel expenses for one immediate family member to visit you if you are hospitalised in the Philippines.
• Return of Minor Children: If you are hospitalised, this cover pays for the return of dependent minor children to India.
• Emergency Trip Extension: Covers additional accommodation and travel expenses if your trip needs to be extended due to medical reasons.

Trip Coverage

Protects you against unexpected travel disruptions:

• Trip Cancellation: Reimburses non-refundable travel expenses if your trip to the Philippines is cancelled due to covered reasons.
• Trip Interruption: Covers unused bookings and additional costs if your trip is cut short due to an insured event.
• Flight Delay: Provides a fixed payout if your scheduled flight is delayed beyond the defined waiting period.
• Missed Connection or Flight Rescheduling: Covers extra expenses incurred due to missed or rescheduled flights, subject to policy conditions.
• Trip Cancellation Due to COVID-19: Covers trip cancellations caused by COVID-19 diagnosis or mandatory quarantine, as specified in the policy.

Baggage Coverage

Helps safeguard your belongings and important documents:

• Delay of Checked-In Baggage: Provides fixed compensation if your checked-in baggage is delayed beyond the specified time limit.
• Loss of Checked-In Baggage: Covers complete or partial loss of checked-in baggage if it is not recovered by the airline.
• Loss of Passport: Covers expenses involved in obtaining a duplicate passport and completing related formalities.

Additional Coverage

Extra protection for unforeseen financial and legal situations:

• Personal Liability: Covers legal liability arising from accidental injury to a third party or damage to third-party property during your trip.
• Emergency Cash Assistance: In case your travel money is lost due to theft, robbery, or pilferage, ACKO helps arrange emergency cash support through your contacts in India, ensuring you’re not left stranded without funds.
• Pet Cover: If your insured pet suffers an accidental injury while travelling, this cover pays for the required medical treatment. It also covers additional travel or accommodation expenses if your trip is disrupted due to your pet’s injury or death.
• Home Protection While You Travel: Keep your home safe even when you’re away. This cover protects your house and its contents against fire, related risks, and theft during your travel period, and reimburses you for covered losses or damages.
• Electronic Equipment Cover: Covers loss or damage to personal electronic devices such as laptops, tablets, or cameras, up to the chosen sum insured, subject to policy terms and exclusions.

Optional Add-ons

You can enhance your Philippines travel insurance by choosing these add-ons based on your travel plans:

• Adventure Sports Injury Cover: Planning adventure sports in the Philippines? This add-on covers hospitalisation expenses for injuries sustained while participating in adventure activities.
• Bounced Booking Protection: If you’re denied boarding on a flight or refused check-in at a hotel due to overbooking, this add-on covers the cost of rebooking your flight or accommodation, as per policy terms.