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Travel Insurance Philippines – Protect Trips, Health & Gadgets (2025 Guide)
Why Travel Insurance Matters in 2025
Travel is back in full swing—flights are packed, gadgets are pricier, and medical costs abroad remain high. A comprehensive policy helps cover medical emergencies, trip cancellations, lost or delayed baggage, and even stolen or damaged gadgets—so you can focus on your trip, not the “what-ifs.”What’s Covered (Trips, Health & Gadgets)
Trip & Medical Coverage
- Emergency medical treatment and hospitalization
- Trip cancellation or curtailment
- Travel delays and missed connections
- Lost, delayed, or damaged baggage
Gadget Protection
- Theft or robbery of personal electronics
- Accidental damage (per policy terms)
- Benefit limits and sub-limits apply
- Official reports and proof of purchase required
What’s Not Covered (Key Exclusions)
- Pre-existing conditions (unless covered)
- Unattended or unprotected items
- Wear and tear or manufacturer defects
- Lack of documentation or fraudulent claims
How to Claim Gadget Loss — Step-by-Step
1. Remotely lock/wipe your device
2. File a police report within 24 hours
3. Get an incident report from venue
4. Prepare documents (IDs, receipts, forms)
5. Notify insurer immediately
6. Respond to follow-ups quickly
Tip: Save device receipts and serial numbers in cloud storage before your trip.
Who Can Avail & Processing Time
- Philippine residents traveling anywhere
- Single or annual plans
- Seniors 76–100 welcome (see plans)
- Same-day processing during business hours
