How to Choose the Best Travel Insurance for Filipinos [With My Recommendations!]
So, do you really need travel insurance when you travel abroad? Here’s my guide on choosing the best travel insurance for my fellow Filipinos.
YES, definitely! If you can’t afford travel insurance then you should re-consider about going on trips. You can even get it for less than $50 per month! You never know what will happen during your trip.
I was on a car accident in Pakistan that required surgery, medicine, wheelchair and last minute flight. After what happened to me, that accident cost more than $15,000 in total and thankfully my insurance arranged the guaranteed of payment with the hospitals in Thailand and NHS UK so I didn’t have to spend any of our savings.
You booked your ticket and hotel already. You even packed your bags weeks before your travel. Akala mo ready ka na.
So ganoon na lang yun? Game ka na to 'hit the road' agad - agad?
Wala ka bang nakakalimutan? Feeling ko, there is one important thing that you missed.
Have you purchased your Travel Insurance? If not, better get one from SafetyWing.
I will explain it ha. This can be a lengthy post but definitely worth it. Lalo na kung ayaw mo maghirap after traveling.
Most Filipinos love to get the cheapest deals. That’s precisely the reason why airline promos are a big hit to us. Aminin na natin na we are 'kuripot'. :) I get your point, but after traveling for quite some time, I realized that you would definitely experience a number of mishaps. I'll give you a list, ok?
Nahuli ka sa flight e non-rebookable yung ticket mo!
Nagka- dengue ka 2 days before your scheduled flight!
You lost your laptop and smartphone, ARAY!
Nabalian ka ng buto while doing some adventurous activities
Hindi ako OA, pero these things can happen. Minsan mas malala pa. E di mas mapapagastos ka sa pagbili ng bagong tickets, sa medical expenses and sa pag-purchase ng new gadgets. Mapapamura (pun intended) ka na lang ng hindi oras!
Thing is, you can get yourself protected. Some of you might just resort to a simple flight insurance, but are you satisfied with its coverage?
If you are planning to travel and to leave your country without so many worries, I strongly suggest that you get a comprehensive travel insurance - it's different from Medical Insurance, Life Insurance or the Airline Insurance (don't get this, you don't need that!). When you travel around Europe, one of the visa requirements is having your own Travel Insurance and not the other kind of insurance.
You can check how much your Travel Insurance would cost you - you can purchase it as a single traveler, couples (husband-wife) or for family (if you have kids!) !
What Makes SafetyWing The Best Option For Backpackers & Long-Term Travellers?
You think that you've got yourself covered just because you already have your Life and Medical insurance. Reality check - these are very specific policies and most of the time, hindi mo magagamit when you travel.
Life insurance basically will pay a sum of money either after death or after a number of years. Medical insurance, while important, will not help you pay your medical bills while overseas. So what do you need to ensure that your trip will be a lesser hassle?
Definitely, Travel Insurance.
Travel insurance for us Pinoys, might not be a popular concept but it is a necessity every time you have the urge to leave and travel. In a nutshell, it covers practically everything you need while on vacation. That's why we strongly encourage to check out SafetyWing because for us, it is the best option.
1. You can get it even if you are not in your home country.
At least kahit nakaalis ka na, pwede ka pa din mag avail ng travel insurance from SafetyWing. Pwede kasing nagbago ka ng travel plans, or ang tagal mo nagdecide kaya hindi ka kaagad nakakuha. Now, you don't have a reason for not having your travel insurance.
2. Made especially for 'kaladkarins' like us - quick getaway, short trip or even long-term travel!
Yes, para talaga sa travelers. Check out why!
a. Medical help
Most likely, your medical insurance will not cover medical expenses incurred overseas. What if wala kang pera sa bank? Or what if walang pera yung relatives mo? E di nganga ka sa hospital nyan? Kanino ka hihiram? Sakit pa sa ulo, di ba?
b. Emergency Medical Evacuation
And what if your condition entails you to evacuate and go home? Mahal yun if you don't have a travel insurance.
c. Trip Cancellation
And for some reason kelangan i- cancel yung trip because of something really important or unexpected circumstances? What will happen with all of the paid bookings?
d. Stolen or Damaged Gears
Sometimes, you are just unlucky. Pero with travel insurance, they'll reimburse you to buy again yung mga nawalang travel gadgets.
3. Change of Plans
Minsan gusto mo mag- stay sa isang lugar pero hindi na covered ng original travel insurance policy mo? If you get SafetyWing, it is possible to extend and have your stay covered.
4. Resuming your Trip
So nangyari na nga ang dapat hindi mangyari, na-cut ang trip and you have to go home. Don't worry, you can still resume to your trip. Yes! Some of the policies will allow that.
Check out what it will cover you and this one below is specifically for Filipinos traveling worldwide excluding travel to USA and Philippines. You can start the trip anywhere and not necessarily in the Philippines/ Home Country.
What Does safetywing Cover on their travel & medical insurance?
For their normal policy they would cover the following :
Travel Delay - when you miss your flights and when the airlines won't cover you!
Baggage & Personal effects - when the airlines lost your luggage and they are not willing to pay for it!
Overseas Medical and Dental coverage - yes, even your dental needs
Personal and Travel Documents
Personal Liability - Physical injury and property damage and much more
Why is it better than the Philippines-based Travel Insurance Companies?
Most of the insurance companies in the Philippines are not used to LONG-TERM Travel or backpacking kind of travel! They don't know how it entails, you can't even avail the travel insurance when you're already abroad and you have to purchase it before you leave the Philippines!
It's a good thing that SafetyWing is able to understand what travelers really need. Also, I've been hearing a lot of stories from Filipino friends and readers that their insurance company didn't want to pay for the claims or it took ages for them to pay it! Nakaka - bad trip yun, really!
Why Believe me?
I've been traveling around the world since 2013, and visited 136 countries. As a traveling entrepreneur, we look for exciting ways to sustain our life of travel. Lahat na siguro ng death-defying adventures nagawa ko na or balak namin gawin.
That said, it is inevitable to have few accidents or misadventures while on the road like my car accident in Pakistan and glad I have SafetyWing insurance who paid for all my medical expenses.
The only way we can protect ourselves is by having a travel insurance. Hindi naman pwede na lahat ng accidents charged sa credit card or tawag sa friends, di ba? That's why I can truly say that SafetyWing is the perfect solution. Kahit na medyo frugal ako, gagastusan ko talaga ang Travel Insurance. Mahirap na di ba?
Why Filipinos need TRAVEL INSURANCE?
Again, I'll explain the below items further to enlighten you that travel insurance is a must even if it's not with SafetyWing or just any random Travel insurance company in the Philippines.
1) You got terribly ill a day before your flight
Your body tells you that you can’t leave the next day, but since you booked the cheapest and most restricted ticket, you can’t refund nor rebook the flight. Sayang ang pera! And it’s not just about the flight cost. What if you already reserved your hotel? There’s a big chance that they will charge a night for not showing up.
This huge waste of cash can be avoided if you have your travel insurance. You might get a lower amount compared to what you have spent, but that's better than losing everything for nothing.
2) You lost your expensive smartphone and laptop
I’ve heard a number of horror stories about losing gadgets while on the road. There are actually different reasons. One of my friends left it at a restaurant in Thailand. The other one lost it in a public bus in South America. Ang saklap nito!
While most locals from different countries are hospitable, there are few that will take advantage of tourists. For travel writers like us, losing our laptops and smartphones is literally a big loss to us. Kung sa akin mangyari ito, I will be lost for days.
Our gadgets are considered investment, we try to purchase the best units, which are quite costly. By having a travel insurance that covers lost gears, at least you can replace those without shelling the entire cost from your own pocket.
3) You got hospitalized while traveling
Huwag naman sana, pero it happens.
I remember watching an episode of ‘Monsters Inside Me’ when a couple went on a Safari trip. Unfortunately, parasites went through their skin and that made them sick most of their trip. I immediately thought of their medical bills. Sadly, your local medical insurance will obviously not work overseas. But if you choose a comprehensive travel insurance, that would be a lesser burden.
4) You need to go back home – pronto!
In some cases, you need to evacuate instantly. This is applied usually to natural disasters.
5) An accident happened to someone and it was your fault
And for some reason, someone decided to sue you because of an accident, (this rarely happens, but possible). Make sure you got yourself covered. Paying for legal fees can break banks! Make sure you are protected.
Now, if ngayon ka lang kukuha ng Travel Insurance, make sure of the following even if it's not with SafetyWing:
Medical Coverage Limit
Your travel insurance policy should have a high medical coverage. What if you needed to stay in the hospital for days? How sure are you that your insurance can cover your expenses while in there? If your provider seems to have a low limit for this, I suggest that you get other options.
There are really instances that you have to immediately leave the country because of the conditions which you can’t control. By including an evacuation coverage in your policy, you spare yourself from making a handful of calls to different airlines just so you can be accommodated.
If you are going to different countries, for example going around South East Asia, you might want to select travel insurance that covers most of your destination. Unless you are a fortune-teller, you can’t say which countries you will need it.
Make sure you get the decent limit that can be at par with the cost of your electronics. Again, we all live in a ‘wired’ world and losing gadgets can make you feel disconnected in some ways.
5) Flight, Hotel, and other Transportation Cancellations
When you cancel your trip, it is not only the flight that you are going to lose. You will lose money because of accommodation and sometimes even more if you rented cars or booked a train ride. Your insurance should cover all of these. Otherwise, choose another provider.
6) Round the Clock Support Desk
Most importantly, ensure that your provider has a 24/ 7 desk that can help you anywhere in the world. There are few providers that will only answer your concerns during their office hours, which is of course, based on their location. Mahirap naman ata yun. You need to make a claim as soon as possible so you need to get in touch with a representative right away.
Practical Tips when Getting Travel Insurance
Always read the fine print and don’t be afraid to ask questions
Keep a copy of your agreement. Bring it with you and have some copies in your email.
Ensure that you keep all your travel receipts. This should make claiming easier.
Again, even if you are always looking out for the lowest travel deals, you should never compromise your health and you must prepare for uncontrollable things. The only way to fly without worries is by getting travel insurance that will cover almost everything while you are away from home. Hindi naman sa paranoid ako, pero I want you to enjoy your travel even if something unexpected will happen.
Disclosure: Please note that we are an Affiliate of SafetyWing but I've been personally using them since 2017.
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