Travel Insurance for Filipinos – International & Domestic Coveragetravel-insurance-for-domestic-international

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

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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.