Updated: August 18, 2025 • For Filipino travelers choosing Pacific Cross Travelsafe plans
- Why travel insurance matters
- Quick steps to choose the right plan
- Pacific Cross plan types (Domestic & International)
- At-a-glance comparison
- Who can avail (individuals & families)
- Claims & common scenarios
- FAQs
- Get a quote / Book with triphappy.ph
✈️ Why travel insurance matters
Medical emergencies, flight delays, lost baggage, trip cancellations, and even COVID-19-related hospitalization can derail a trip. A good policy protects your health and your wallet—some embassies (e.g., Schengen countries) also require insurance for visa issuance.
📝 Quick steps to choose the right plan
- Match by destination: Worldwide Elite for Europe/Schengen & long-haul; Asia & Oceania for nearby trips; Domestic for PH travel.
- Check medical limits & key perks: COVID-19 in-patient treatment, flight delay, baggage loss, loss of gadgets, trip cancellation & “for any reason” coverage where available.
- Decide Single vs Multi-Trip: Multi-Trip covers multiple journeys per year (with per-trip day caps).
- Consider family coverage: Family plans allow spouse + children under one policy (age rules apply).
- Seniors 76+: Coverage is available; contact Pacific Cross Travel Sales Team for premiums/benefits (see details below).
🗺️ Pacific Cross plan types (Domestic & International)
1) Worldwide Elite — including Schengen
Best for: Europe/Schengen, North America, multi-country itineraries. Currency: USD or EUR. Schengen-approved. Core inclusions: medical treatment (up to USD 50,000 / EUR up to 60,000), COVID-19 in-patient care, hospital income, personal accident & liability, baggage loss/delay, loss of gadgets, trip cancellation and Trip Cancellation for Any Reason (TCFAR, subject to policy exclusions), missed connections, emergency assistance (evacuation/repatriation), and more.
2) Asia & Oceania
Best for: Japan, Korea, Taiwan, Singapore, Australia, New Zealand. Currency: PHP or USD. Includes medical treatment (e.g., up to ₱1.5M / USD 50,000), COVID-19 in-patient care, emergency assistance, flight delay, baggage & document coverage, and sports/recreational activities within policy terms.
3) Domestic (Philippine destinations) — Gold / Silver / Bronze
Best for: Local trips (e.g., Cebu, Palawan, Bohol, Boracay). Medical limits (approx.): Bronze ₱500,000; Silver ₱1.5M; Gold ₱2.5M. Includes COVID-19 in-patient care, flight delay, trip cancellation/termination, baggage & document coverage, loss of gadgets, and emergency assistance within PH.
Single Trip vs. Multi-Trip
- Single Trip: Benefits/premiums on a per-trip basis. Coverage commences 7 hours before scheduled departure or from the policy’s effective date. Trip Cancellation benefits take effect upon premium payment.
- Multi-Trip: For frequent travelers; annual premium with benefits on a per-trip basis (trips capped by duration, e.g., up to 90 days each). Includes a Free-Look Period provision.
📊 At-a-glance comparison
| Feature | Worldwide Elite | Asia & Oceania | Domestic (Gold/Silver/Bronze) |
|---|---|---|---|
| Typical Medical Limit | Up to USD 50,000 / EUR up to 60,000 | Up to ₱1.5M or USD 50,000 | ₱2.5M / ₱1.5M / ₱500k |
| COVID-19 In-Patient | Included | Included | Included |
| Trip Cancellation | Included; plus TCFAR (subject to exclusions) | Included | Included |
| Loss of Gadgets | Included | Included | Included |
| Emergency Assistance | Evacuation, repatriation, care for minors, etc. | Included | Included |
| Visa Compatibility | Schengen-approved | — | — |
| Single vs. Multi-Trip | Both available | Both available | Single & Multi-Trip (Gold/Silver) |
👪 Who can avail (individuals & families)
- Individuals: From infants up to 100 years old. Published premiums typically cover ages 0–75; ages 76+ require direct coordination with Pacific Cross.
- Family plan: Principal insured & legal spouse (18–75) plus child(ren) 0–17; traveling together on the same trip/conveyance.
📄 Claims & common scenarios
- Coverage start: 7 hours before scheduled departure (Single Trip & Multi-Trip). Trip Cancellation benefits apply immediately after premium payment.
- Flight delay: Lump-sum benefit for delays of more than six (6) hours; keep official airline/rail Irregularity Reports.
- Trip cancellation (medical): If you’re declared unfit to travel within 30 days before departure (or on the day), submit the physician’s written declaration per policy terms.
- COVID-19 hospitalization: Covered up to the Medical Treatment limit; daily hospital income up to 10 consecutive days also applies.
- Key exclusions: Pre-existing conditions, travel against medical advice, certain hazardous/professional sports (unless covered), non-covered electronics (e.g., cameras/drones) outside the gadget benefit, epidemic/pandemic exclusions where applicable.
Get a quote or book with triphappy.ph
Ready to choose? Our team at Triphappy.ph can help you select the right plan for your destination and budget, and guide you on visa requirements like Schengen insurance proof.
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