Travel Care Insurance

Travel Care Insurance

Stay protected anywhere in the world with BPI/MS Travel Care Insurance

Business or pleasure travelers experience all kinds of hassles before, during or even the after trip. It can be a missed flight, lost baggage or sudden illness. Do not let such occurrences ruin your whole trip. Get BPI/MS Travel Care Insurance now! It is the best travel coverage and protection for you and your loved ones anywhere around the world. With BPI/MS’ Low Premium Rates, you travel protected and also assured of caring assistance throughout the trip.

Know More About BPI/MS’ Superior Travel Care Insurance

Travel Care Insurance is a comprehensive Personal Accident Insurance that covers medical expenses and other qualified losses incurred while traveling anywhere in the world.

Travel with confidence anytime, anywhere.

BPI/MS provides you and your family peace of mind and security from possible travel worries such as:

  • Death or Disablement

BPI/MS pays benefit specified in the policy schedule for accidental death & disablement within 12 months from the date of the accident.

  • Medical and Additional Expense

Travel Care covers for medical, surgical or hospital charges and emergency dental treatment charges incurred as a result of accidental bodily injury, illness or death during your journey as specified in your policy schedule.

  • Loss of Baggage including Delays

Pays for actual or replacement cost of baggage due to accidental loss, theft or damage during the trip. This will also take care of your worries in case your checked-in baggage has been delayed, misdirected or misplaced in delivery for more than 8 hours from the time you arrive at your destination.

  • Missed travel Connections

Pays benefit up to a maximum of Php10,000 for reasonable additional travel and accommodation costs incurred in the arrangement of alternative travel.

  • Hospital Cash Benefits

Pays a fixed amount of Php 1,000 for each day that you are hospitalized as an inpatient due to accident or illness up to a maximum amount of Php 10,000.

  • Personal Liability

Travel Care covers expenses that you might incur if you caused another person’s accidental death, bodily injury or damage to property, resulting from accidents.

  • Delayed Departure

This feature is an added benefit, which reimburses up to Php10,000 for incurred expenses if your flight is delayed by more than 8 hours.

  • Missed Departure

Pays for additional travel expenses and accommodation costs up to a maximum amount of Php10,000 due to failure of public transport services to departure port, airport or train station.

  • Loss of Passport

Pays for reasonable costs of additional hotel, travel and communication expenses necessary in obtaining replacement for a lost passport or visa up to a maximum amount of Php10,000.

  • Hijack

This added benefit would provide you a fixed amount of Php 5,000 for each day that your travel is delayed due to organized industrial action or hijack.

  • Rental Vehicle Excess Cover

Reimburses excess liability up to Php 10,000 if you become legally liable provided that accidental loss or damage to the vehicle was caused by collision or theft while it is in your custody.

  • Additional Costs of Rental Car Return

Pays costs up to Php 5,000 for car rental if you are unable to return any rental vehicle due to accident or illness.

  • Extension of Period of Journey

This feature is automatically FREE of charge if the journey is extended due to public transport delay or bodily injury or sickness up to:

7 days delay for the carrier

30 days delay if due to injury or illness

  • Emergency Medical Evacuation

Arranges and pays for covered expenses incurred if your medical condition needs immediate transportation, from the place where you are to the nearest hospital, where appropriate medical treatment can be obtained.

  • Emergency Medical Repatriation

Arranges and pays for covered expenses incurred if your medical condition needs transportation to your home country to obtain further medical treatment or to recover.

  • Transportation of Mortal Remains

Arranges and pays for all reasonable expenses incurred for the preparation and return of your mortal remains to your home country.

  • Emergency Telephone Expenses

Pays for the telephone expenses accumulated for calling the Emergency Hotline (i.e. 911), during accidents or illness up to a maximum amount of Php 2,000.

  • Free 24-Hour Worldwide Travel Assistance Services

Through our service provider, INTERNATIONAL SOS, BPI/MS will arrange the following emergency assistance benefits when you call the Travel Care hotline at (632) 8687-8535.

  • Travel Assistance

– Pre-Trip Information Services – Embassy Referral – Lost Luggage Assistance – Lost Passport Assistance – Weather and Exchange Rate Information Assistance – Emergency Message Transmission Assistance – Interpreter Referral

  • Medical Assistance

– Telephone Medical Advice – Medical Service Provider Referral – Arrangement of Appointments with Local Doctors for Treatment – Arrangement of Hospital Admission and Monitoring of Medical Conditions During Hospitalization- Dispatch of Essential Medicine – Arrangement of Compassionate Visit – Arrangement of Return of Minor Children- Arrangement of Hotel Accommodation

*Above services are on referral or arrangement basis only


Commencement & Expiry

The term of coverage commences two (2) hours before your scheduled departure time and ceases on whichever of the following occurs first:

a. the expiry of the policy period specified in the policy

b. your return to your residence or employment

c. within two (2) hours after scheduled time of arrival


Table of Benefits

NON-SCHENGEN Package – Caters to International Asia Zone trips: Southeast asia, China, Taiwan, Hongkong, Japan, Korea, Nepal, Pakistan, Sri Lanka, Australia, and New Zealand. Except European country states.


Accidental Death & Disablement Php1,000,000 Php 2,000,000 Php 3,000,000
Medical & Additional Expense Php1,000,000 Php1,500,000 Php 2,000,000
Loss of Baggage Php 25,000 Php 25,000 Php 25,000
Delayed Baggage Php 10,000 Php 10,000 Php 10,000
Loss of Document or Samples Php 20,000 Php 20,000 Php 20,000
Missed Travel Connection Php 10,000 Php 10,000 Php 10,000
Hospital Benefit Php 10,000 Php 10,000 Php 10,000
Personal Liability Php 1,000,000 Php 1,000,000 Php 1,000,000
Delayed Departure Php 10,000 Php 10,000 Php 10,000
Missed Departure Php 10,000 Php 10,000 Php 10,000
Loss of Passport Php 10,000 Php 10,000 Php 10,000
Hijacking Cover Php 20,000 Php 20,000 Php 20,000
Rental Vehicle Expense Php 10,000 Php 10,000 Php 10,000
Additional Cost of Rental Car Return Php 5,000 Php 5,000 Php 5,000
Emergency Repatriation Php 250,000 Php 250,000 Php 250,000
Emergency Evacuation Php 500,000 Php 500,000 Php 500,000
Repatriation of Mortal Remains Php 100,000 Php 100,000 Php 100,000