Travel Insurance for Seniors in the Philippines (Ages 60–100) 2025-2026
Pacific Cross senior travel insurance • No medical check-up • Covers ages 60–100
Travel with Peace of Mind at Any Age
More seniors today are rediscovering the joy of travel — visiting family abroad, joining cruises, or exploring new places at their own pace. But travel comes with more considerations as we age. Having travel insurance ensures that you and your loved ones are protected against unexpected medical or travel incidents.
A short story: A 78-year-old traveler on a cruise to Japan experienced a sudden drop in blood pressure and had to be brought to a clinic ashore. Because she had valid travel insurance, her medical expenses and changes to her travel plans were fully covered. It’s a reminder that preparation gives peace of mind not just to the traveler, but also to family members back home.
For Filipino seniors, Pacific Cross Travelsafe is one of the few insurance providers that covers travelers up to 100 years old — offering reliable protection for both domestic and international trips, including Schengen visa requirements.
Who Can Apply
- Ages 60–75 – Covered under regular individual plans with instant policy issuance.
- Ages 76–100 – Eligible under a special senior process (no medical check-up needed).
How to Apply (for Ages 76–100)
To process a senior travel insurance application, simply submit the following:
- Completed and signed Pacific Cross application form
- Passport bio page
- Flight ticket or confirmed itinerary
After submission, the policy undergoes manual review and will be issued within 3–5 working days.
- For ages 0–75: Policies are issued immediately once all details and payment are received (Mondays–Saturdays, 5:00 PM cut-off).
Coverage Highlights
All eligible seniors enjoy the same core benefits as other travelers, including:
Medical and Hospitalization Coverage (includes COVID-19 in-patient treatment)
- Emergency Medical Evacuation and Repatriation
- Trip Cancellation, Delay, or Interruption
- Baggage Loss or Damage Protection
- Personal Accident & Liability Coverage
- 24/7 Worldwide Emergency Assistance Hotline
Important Exclusions (to Manage Expectations)
To avoid misunderstandings, here are common situations not covered under the policy (as outlined in the Pacific Cross TACTIC):
Pre-existing conditions are only covered for emergency in-patient treatment within stated limits; not for routine or continuing care.
- Planned or elective treatments, routine check-ups, and maintenance medications are not covered.
- Travel for the purpose of obtaining medical treatment is excluded.
- Extreme or hazardous sports (e.g., scuba diving, mountaineering, racing) are excluded unless endorsed.
- Pregnancy-related expenses, mental health conditions, or self-inflicted injuries are excluded.
- Loss of unattended personal belongings or unreported theft is not covered.
Note: For full terms and conditions, refer to the official Travel Insurance Contract (TACTIC) provided with your policy.
Tips for Senior Travelers
- Apply early — Start the process at least a week before your trip (especially for ages 76–100).
- Prepare required documents: Signed application form, passport bio page, and ticket copy.
- Choose the right destination plan: Domestic, Asia & Oceania, or Worldwide Elite (Schengen-approved).
- Keep all records: Save receipts, boarding passes, and medical documents for claims.
- Inform family: Let a family member know your policy number and emergency hotline.
Why It Matters
Unexpected events such as illness, flight delays, or lost baggage can happen to anyone — but the risks and costs can be higher for older travelers. With the right insurance, you’re assured of support, protection, and professional assistance when you need it most.
Related ILINK.PH Travel Guides
🇵🇭 Travel Insurance in the Philippines – Coverage for Ages 0–100
🛫 Schengen Travel Insurance from the Philippines
💼 Travel Insurance for Filipinos – International & Domestic Coverage
How to Book or Ask for Help
Bookings and senior policy requests are handled by Triphappy.ph — a DOT-accredited travel operator offering personalized assistance via Messenger, Viber, or Email.
We’re here to help. Whether you’re buying for yourself or for a parent or grandparent, our team will guide you through the requirements and ensure your policy is processed smoothly.
💬 Apply or Request Assistance
Frequently Asked Questions (FAQ)
Do seniors need a medical check-up to apply?
No medical check-up is required for ages 76–100. Applicants just need to submit a signed application form, passport bio page, and flight ticket.
How long does senior travel insurance processing take?
For ages 76–100, manual review takes about 3–5 working days. Ages 0–75 get instant issuance once info and payment are received (cut-off 5 PM Mon–Sat).
What are common exclusions?
Routine treatments, ongoing medication, elective care, hazardous sports, pregnancy-related costs, and unattended baggage are not covered. Only emergency in-patient treatment for pre-existing conditions is included.
