ilink.ph Philippines Travel Blog

Category: Travel Insurance in the Philippines – Coverage, Plans for 0–100 Years

  • Travel Insurance for Filipinos – International & Domestic Coverage (2025-2026)

    Travel Insurance for Filipinos – International & Domestic Coverage (2025-2026)

    travel-insurance-for-domestic-international

    Travel Insurance for Filipinos – International & Domestic Coverage (2025-2026)

    Compare Philippine travel insurance for local & international trips. Seniors up to 100. Instant issuance for 0–75; 3–5 days for 76–100.

    Medical • Trip delays/cancellation • Baggage • 24/7 assistance • Seniors up to 100

    Get help choosing a plan

    Why Filipinos Should Travel with Insurance

    From weekend getaways to long-haul flights, travel can be unpredictable—flight delays, lost bags, or medical emergencies can happen anytime. Travel insurance protects your trip (and your wallet) so you can focus on enjoying your journey.

    A quick story: A Filipino family on a Hong Kong weekend trip lost a suitcase containing meds and kid essentials. Their policy reimbursed emergency purchases and covered the delay, turning a stressful start into a manageable hiccup.

    Plans at a Glance (Choose Based on Destination & Frequency)

    • Domestic Plan (Philippines) – For local trips and staycations.
    • Asia & Oceania Plan – Nearby regional travel.
    • Worldwide Elite (Euro/USD) – Long-haul and Schengen-ready options.
    • Annual Multi-Trip – Unlimited trips per year (max 90 days per trip)—great value for frequent travelers.
    All plans include medical coverage (incl. COVID-19 in-patient), travel inconvenience benefits (delay/cancellation/baggage), and 24/7 worldwide assistance.

    Who Can Apply & Processing Time

    • Ages 0–75: Immediate issuance once info and payment are complete (Mon–Sat, 5:00 PM cut-off).
    • Ages 76–100: Manual processing (no medical check-up). Submit: signed application form, passport bio page, flight ticket/itinerary → 3–5 working days before issuance.
    • Family plans available for parents/children on the same itinerary.

    Which Plan Fits Your Trip?

    • Staying within the Philippines? Choose Domestic.
    • Japan, Korea, Taiwan, Southeast Asia? Choose Asia & Oceania.
    • Europe/US/Worldwide or Schengen visa? Choose Worldwide Elite (Euro plan for embassies).
    • Multiple trips this year? Choose Annual Multi-Trip.

    Coverage Highlights (What Filipinos Usually Need)

    • Emergency Medical & Hospitalization (includes COVID-19 in-patient)
    • Emergency Evacuation & Repatriation
    • Trip Cancellation / Delay / Interruption
    • Baggage Loss or Damage (incl. essentials/gadgets per limits)
    • Personal Accident & Liability
    • 24/7 Assistance Hotline

    Refer to the policy schedule and TACTIC for benefit limits and definitions.

    Key Exclusions (Manage Expectations)

    • Pre-existing conditions — emergency in-patient treatment only, within inner limits.
    • Routine check-ups, maintenance meds, or elective care; not covered
    • Travel primarily for medical treatment: excluded.
    • Hazardous/Extreme sports: excluded unless endorsed.
    • Pregnancy-related, mental health, self-inflicted injuries: excluded.
    • Unattended or unreported baggage: not covered.
    (See the Travel Insurance Contract (TACTIC) for full wording and limits.)

    Pro Tips for Filipino Travelers

    • Book early—especially for ages 76–100 (allow 3–5 working days).
    • Match plan to destination (PH, Asia, Worldwide/Schengen).
    • Add buffer days for Schengen itineraries (1–3 days).
    • Keep documents (receipts, boarding passes, medical certificates) for claims.
    • Share policy details with a family member for emergencies.

    Related ILINK.PH Guides

    Travel Insurance in the Philippines – Ages 0–100
    Travel Insurance for Seniors in the Philippines (Ages 60–100)
    Schengen Travel Insurance from the Philippines

    How to Book or Ask for Help

    Bookings are handled by Triphappy.ph — a DOT-accredited travel operator with instant issuance for ages 0–75 and 3–5 day processing for ages 76–100.

    We’re here to help. Unsure which plan to choose or how coverage works? Message us and our team will guide you step-by-step.

    Apply or Request Assistance

    Frequently Asked Questions (FAQ)

    Who can buy travel insurance and how fast is issuance?

    • Ages 0–75 receive immediate issuance once details and payment are complete (Mon–Sat, 5:00 PM cut-off). Ages 76–100 are processed manually within 3–5 working days after submitting a signed application form, passport bio page, and flight ticket/itinerary.

    Which plan should I choose for my destination?

    • Domestic for trips within the Philippines; Asia & Oceania for regional travel; Worldwide Elite for long-haul and Schengen-ready coverage; Annual Multi-Trip for frequent travelers (up to 90 days per trip).

    What are common exclusions?

    • Routine check-ups, maintenance medicines, elective treatment, travel primarily to obtain treatment, hazardous sports unless endorsed, pregnancy-related and mental health conditions, self-inflicted injuries, and unattended/unreported baggage losses. Pre-existing conditions are covered only for emergency in-patient care within inner limits.


  • Schengen Travel Insurance from the Philippines (Visa-Compliant Plans) 2025- 2026

    Schengen Travel Insurance from the Philippines (Visa-Compliant Plans) 2025- 2026

    travel-insurance-schengen

    Schengen Travel Insurance from the Philippines (Visa-Compliant Plans) 2025-2026

    Euro coverage €45k/€60k • Accepted for Schengen visas • Seniors up to 100

    Get help choosing a plan

    Why You Need Schengen-Approved Insurance

    A Schengen visa application requires proof of travel medical insurance covering your entire stay in Europe. It must include emergency medical treatment and repatriation, with a minimum €30,000 coverage (most embassies prefer €45,000 or €60,000). Having the correct, visa-compliant policy helps prevent delays or re-submission of documents.

    A quick story: A Filipino couple in their late 60s flew to Italy to visit family. During their trip, one of them slipped on a cobblestone street and needed hospital care. Their Schengen-approved Pacific Cross policy covered more than €1,200 in emergency treatment and medication—saving them from out-of-pocket costs and letting them continue their vacation worry-free.

    Visa-Compliant Options (Pacific Cross Travelsafe – Euro Plans)

    • Euro Schengen Plans (€45,000 / €60,000) – meet or exceed embassy requirements for medical care + repatriation.
    • Valid for multi-country Schengen itineraries.
    • Certificate of Insurance issued in English with exact travel dates (add buffer days).

    💡 ILINK.PH recommends adding 1–3 buffer days beyond entry/exit dates to accommodate possible flight or visa changes.

    Who Can Apply & Processing Time

    • Ages 0–75: Issued immediately after details + payment (Mon–Sat, 5 PM cut-off).
    • Ages 76–100: Processed manually (no medical check-up). Submit:
      • Signed application form
      • Passport bio page
      • Flight ticket or itinerary

      → 3–5 working days processing before issuance.

    Coverage Highlights

    • Emergency medical treatment & hospitalization (Schengen minimums met)
    • Emergency evacuation & repatriation
    • Personal accident & liability
    • Trip cancellation, delay, or interruption
    • Baggage loss or damage
    • 24/7 worldwide assistance hotline

    (Refer to policy schedule and TACTIC for inner limits.)

    Common Embassy Checks (Avoid Re-Work)

    • Coverage must match entire travel period + buffer days
    • Coverage amount ≥ €30,000 (preferably €45k or €60k)
    • Certificate shows Schengen/Europe coverage
    • Names & passport numbers must match exactly.
    • Check policy rules for visa denial refunds or date changes

    Key Exclusions (Manage Expectations)

    • Pre-existing conditions — only emergency in-patient care within inner limits is covered.
    • Routine check-ups / maintenance meds – not covered.
    • Travel for medical treatment – excluded.
    • Hazardous sports or extreme activities – excluded unless endorsed.
    • Pregnancy-related, mental health, or self-inflicted injuries – excluded.
    • Unattended or unreported baggage losses – not covered.

    See the Travel Insurance Contract (TACTIC) for full definitions and conditions.

    Preparing for Your Schengen Visa Appointment

    1. Decide your trip dates + 1–3 buffer days.
    2. Select coverage (€45k or €60k Euro plan).
    3. Double-check passport names and numbers.
    4. Print your Certificate of Insurance for your visa application.
    5. Keep digital copies for check-in or immigration.

    Quick FAQs

    • Is the policy accepted by embassies?
      Yes — Pacific Cross Euro plans are Schengen-approved and accepted for visa applications.
    • Can I change dates after issuance?
      Minor corrections may be allowed before travel; terms depend on the insurer.
    • Do I need separate insurance for each country?
      No. One Schengen-compliant policy covers all Schengen countries.

    Related ILINK.PH Guides

    How to Book or Ask for Help

    Bookings are handled by Triphappy.ph — a DOT-accredited travel operator with instant issuance for ages 0–75 and 3–5 day processing for ages 76–100.

    💬 We’re here to help. Need guidance on coverage amounts or visa requirements? Message us and our team will assist you step-by-step.

    Apply or Request Assistance

  • Travel Insurance for Seniors in the Philippines (Ages 60–100) 2025-2026

    Travel Insurance for Seniors in the Philippines (Ages 60–100) 2025-2026

    travel insurance for seniors

    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:

    1. Completed and signed Pacific Cross application form
    2. Passport bio page
    3. 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.

  • Travel Insurance in the Philippines – Coverage for All Ages (0–100 Years) – 2025-2026

    Travel Insurance in the Philippines – Coverage for All Ages (0–100 Years) – 2025-2026

    travel-insurance-0-to-100

    Travel Insurance in the Philippines – Coverage for All Ages (0–100 Years) 2025-2026

    Domestic & international coverage • Schengen-approved options • Seniors up to 100

    Get help choosing a plan

    Stay Protected Wherever You Travel

    Travel with confidence knowing you’re protected wherever you go. Whether you’re exploring the islands of the Philippines or flying abroad, travel insurance gives you peace of mind against unexpected events—from flight delays to medical emergencies.

    A quick story:

    One traveler’s luggage went missing on a connecting flight to Japan—along with her winter clothes. Because she had travel insurance, she was reimbursed for essentials and didn’t spend her first night freezing or frustrated. Moments like these show how valuable travel insurance can be when things don’t go as planned.

    For Filipino travelers, Pacific Cross Travelsafe is one of the most trusted and reliable options. It offers flexible plans for both domestic and international trips, with benefits that include medical coverage (including COVID-19), trip protection, baggage loss, and 24/7 worldwide assistance. Plans are available for infants, adults, and seniors up to 100 years old.

    If you’re heading to Europe, the Worldwide Elite plan is Schengen visa–approved, meeting the required €45,000 / €60,000 medical coverage for visa applications.

    Pacific Cross Travel Insurance Plans at a Glance

    PlanCoverage Area
    Domestic PlanBest for trips within the Philippines.
    Asia & Oceania PlanCovers travel across Asia and nearby destinations
    Worldwide Elite PlanFor long-haul and Schengen-compliant travel
    Annual Multi-Trip PlanIdeal for frequent travelers; covers unlimited trips per year (maximum 90 days per trip).

    Each plan includes COVID-19 in-patient treatment, emergency medical assistance, and travel inconvenience benefits such as delays and baggage loss.

    Eligibility & Processing Time

    • Ages 0–100 are eligible for Pacific Cross Travelsafe plans.
    • Ages 0–75: Once your information and payment are complete, your policy is issued immediately from Monday to Saturday (cut-off time: 5:00 PM).
    • Ages 76–100: Senior applications undergo review and are processed within 3–5 working days before policy issuance.

    Family plans are also available for couples and children traveling together under one itinerary.

    Why You Should Get Travel Insurance

    Unexpected situations like medical emergencies, flight delays, or lost luggage can easily disrupt your trip. With Pacific Cross Travelsafe, you’re covered for:

    • Medical & Hospitalization (including COVID-19)
    • Trip Cancellation or Delay protection
    • Loss or Damage to Baggage & Gadgets
    • Personal Accident & Liability
    • 24/7 Worldwide Emergency Assistance

    Whether you need domestic travel insurance or international coverage, these plans ensure you’re protected from departure to return.

    Quick Tips Before Buying

    • Choose the right plan: Match your destination to the appropriate plan (Domestic, Asia & Oceania, Worldwide).
    • Check trip duration: Single-trip plans cover up to 180 days; annual plans allow multiple trips up to 90 days each.
    • Keep documents: Retain receipts, boarding passes, and medical certificates for claims.
    • Apply early for: For Schengen visa applications, secure your insurance before submission to avoid delays.

    Related ILINK.PH Travel Guides

    How to Book

    Bookings are handled by our trusted partner Triphappy.ph — a DOT-accredited travel operator offering quick assistance via Messenger, Viber, or Email, with instant confirmation for ages 0–75 and priority handling for senior travelers.

    We’re here to help. Not sure which plan fits your trip? Our friendly team can guide you from choosing coverage to completing your booking.

    Book or Get a Quote

    Frequently Asked Questions

    Is this travel insurance accepted for Schengen visas?

    • Yes. The Worldwide Elite plan is Schengen-approved and meets the €45,000/€60,000 medical coverage requirement for visa applications.

    Who can buy and how fast is the issuance?

    • Ages 0–100 are eligible. For ages 0–75, issuance is immediate once payment is complete. For ages 76–100, processing takes 3–5 working days.

    How long does coverage last?

    • Single-trip plans can cover up to 180 days. Annual multi-trip plans allow unlimited trips per year (max 90 days per trip).