✈️ What’s Covered (and What’s Not) in Pacific Cross Travelsafe Insurance
Your Essential Guide to Travel Insurance Inclusions and Exclusions
When planning a trip—whether it’s a family vacation, business travel, or an overseas adventure—having the right travel insurance can make all the difference. Pacific Cross Travelsafe, available through Triphappy.ph (Iddo Inc.), an Authorized Agent, offers comprehensive coverage that protects you from unexpected setbacks.
✅ Key Inclusions (Benefits You’ll Love)
🏥Medical & Hospital Coverage
- Coverage for illness, injury, hospital fees, doctor fees, prescribed meds
- COVID-19 in-patient care included
- Pre-existing conditions (ER and in-patient) covered in select plans
- Cashless hospitalization available (subject to terms)
💵Hospital Income
- Daily cash allowance (up to 10 days) for hospital confinement, including COVID-19
🧍♂️Personal Accident & Burial
- Lump sum for accidental death, disability, or loss of limb/sight
- Burial costs if death occurs due to covered accident
⚖️Personal Liability
- Coverage for bodily injury or property damage caused to others
🚗Rental Vehicle Coverage
- Reimbursement for rental excess/deductible
- New: Coverage for late return fees due to hospitalization
🧳Baggage & Gadgets
- Cash for delayed baggage (6+ hours)
- Reimbursement for lost/damaged bags or items
- New: Loss/damage to gadgets and sporting equipment
- Theft of cash (if physically carried)
📄Travel Documents & Communication
- Passport and rebooking expenses
- New: SIM and phone charges to call emergency hotline
✈️Trip Disruption Coverage
- Trip cancellation, postponement, or termination (due to illness, death, terrorism, etc.)
- New: Cancel for Any Reason (CFAR)
- Missed flights, alternative transport, flight delays
- New: Staff replacement for business trips
🚨 Emergency Services
Evacuation, repatriation, lost document help, legal assistance, medical referrals, emergency cash coordination, and more.
❌ Key Exclusions
- War, terrorism (unless specifically covered)
- Suicide, mental illness, substance abuse
- Pregnancy-related claims
- Pandemics/natural disasters (unless stated)
- Illegal or hazardous activities (e.g. skydiving, unless approved)
- Non-commercial flights, travel advisories, unreasonable expenses
- Pre-existing conditions (unless explicitly covered)
📚 Related Reads
- 💻 Why Travel Insurance Is a Must-Have (Even for Your Gadgets!)
- 👵 Travel Insurance for Seniors in the Philippines — Covers Ages 76 to 100!
- 🌏 Main Travel Insurance Page
🧭 Travel Confidently with Triphappy.ph
At Triphappy.ph (Iddo Inc.), we help Filipino travelers get the protection they need—whether they’re 25 or 95. As an Authorized Agent of Pacific Cross, we can help you compare plans, clarify exclusions, and choose the right coverage. Contact us here to get started.
❓ Quick FAQs
✅ Does Pacific Cross Travelsafe cover COVID-19?
- Yes! COVID-19 in-patient care and hospital income benefits are included.
💻 Are gadgets like phones and laptops covered?
- Yes, under the Loss of Gadget(s) benefit.
👵 Can seniors aged 76 to 100 be covered?
- Absolutely. Travel insurance is available for seniors up to age 100.
🚫 Are pre-existing conditions covered?
- Only emergency and in-patient treatment is covered if specified. Other PECs may be excluded.
🏖 Can I cancel my trip for any reason?
- Yes—if you purchase the CFAR (Cancel for Any Reason) add-on within 15 days of your first booking.
🧗 Are extreme sports covered?
- Recreational sports are covered, but hazardous activities are excluded unless declared and approved.
🛂 Headed to Europe? Don’t Miss This
- Travel insurance is more than just protection—it’s a visa requirement for Europe-bound travelers.
👉 If you’re applying for a Schengen visa, be sure to read our full guide: Travel Insurance for Schengen Visa Applications from the Philippines
⚠️Disclaimer
The benefits and exclusions outlined above are summarized for ease of understanding and may be subject to limitations, conditions, and exceptions, including but not limited to those stated in the full policy documents. For complete and accurate information, please refer to the Official Confirmation of Coverage (OCC) and the Travelsafe Insurance Official Confirmation of Coverage (TACTIC).
Always consult with a licensed insurance advisor or contact Triphappy.ph (Iddo Inc.), an Authorized Agent, to clarify any details before purchasing a policy.
