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Travel Insurance - FAQ
Travel Insurance 101

What is Travel Insurance?
Travel Insurance protects you from unexpected events while you’re traveling. This ranges from minor misfortunes – such as lost travel documents, lost baggage and re-scheduled flights – to major incidents – like accidents and serious illnesses.

Our Travel Insurance Product is designed specifically for the need of PAL passengers and is only available when flying with Philippine Airlines.

This Travel Insurance Product is underwritten by Chartis Philippines Insurance, Inc. (Chartis Philippines).

How can I buy Travel Insurance?
Travel Insurance is offered while you’re making your flight booking on philippineairlines.com for flights originating from the Philippines. Simply add Travel Insurance to your itinerary when you’re arranging your flight online. 

If you have already bought your PAL flight ticket, simply go to philippineairlines.com and arrange your travel insurance separately by clicking the tab on the home page.

Who can buy Travel Insurance?
Travel Insurance is available to passengers who are:

    a) Flying out of the Philippines
    b) Traveling for thirty (30) days or less
    c) 70 years old and below

Are you traveling with an infant? Travel Insurance extends free coverage to an infant if traveling with an insured adult. Please refer to our full terms and conditions to learn more about Travel Insurance’s free coverage for infants.

When does my Travel Insurance coverage begin and end?
Your Travel Insurance coverage start and end date depend on the type of trip you’re taking.

For Round-trip Flights - Coverage begins two (2) hours before your PAL departure flight and ends upon your return to your originating airport.

For One-way Flights - Coverage begins two (2) hours before your PAL flight and ends upon your arrival at the destination airport.

Please note that the Trip Cancellation benefit is effective upon the approval of your application and successful payment of premium.  

Your Travel Insurance Benefits

What benefits are offered by Travel Insurance?
Here are the different ways that your Travel Insurance can come to your rescue:
Benefits described below are subject to the full terms and conditions of your Travel Insurance policy.

Personal Accident
Provide you or your loved ones a lump sum cash payment of up to US$ 60,000 if you suffer a serious or fatal accident while traveling and an additional US$ 2,000 for Funeral & Burial costs.

Emergency Medical Expense & Assistance
Travel Insurance will cover your medical bills of up to US$ 100,000 if you require medical assistance due to an accident or a serious illness while you’re traveling.

Our medical benefits also include:
Emergency Evacuation & Repatriation - Brings you home to your loved ones or the nearest best-of-class hospital facility if you get into a serious accident or illness while traveling.

Hospital Confinement Benefit - Provides daily cash payments (up to 10 days) if you are confined in a hospital during your trip.

Follow-up Treatment - Takes care of your medical bills (up to 10% of your Medical Expense Benefit) if you require follow-up treatment at home if you suffer a serious accident or illness while traveling.

Compassionate Visit & Child Guard - Arranges and takes care of bringing a family member to your side if you are hospitalized during your trip.

Travel Inconvenience
Travel Insurance allows you not to sweat the usual travel worries.
Travel Delay - Financially compensates you if your PAL flight is re-scheduled for more than 6 hours.

Trip Cancellation & Termination - Pays you the non-refundable portion of your PAL ticket if you have to cancel or cut short your trip due to covered reasons – such as serious injury or death in the family.

Baggage Loss & Damage - Pays for the loss of, or damage to, your baggage while you are traveling on PAL.

Baggage Delay - Reimburses you for clothing and amenities you purchase if your baggage is delayed for more than 12 hours.

Travel Documents & Emergency Cash - Covers the additional hotel accommodation, travel and communication expenses required to replace your lost travel document.

Personal Money - Reimburse you for money you lose due to theft while you’re traveling.

Personal Liability & Legal Expenses - Protects you against legal liability for bodily injury or damage to a third party due to negligent behavior while you’re traveling.

Emergency Phone Calls - Reimburses you for overseas calls made to our 24-hour Emergency Medical Assistance Center.

Car Rental Protection - Covers your car rental insurance deductible should you encounter a car accident while traveling.


24-hour Emergency Medical Assistance
Our emergency medical assistance center is available 24/7 to lend a helping hand. We are only a phone call away to assist you with any medical emergency you may encounter abroad.
 

Does Travel Insurance cover me if I get sick while I’m traveling?
Yes, Travel Insurance will take care of you if you suffer an illness while traveling.

To learn more about your Medical Expense Reimbursement Benefit, please refer to the full terms and conditions of your policy.

How does my Travel Insurance policy’s Trip Cancellation & Termination Benefit work?
Your Trip Cancellation and Termination Benefit pays you the non-refundable portion of your trip if you have to cancel or cut short your trip because of insured reasons such as serious illness or death in the family.

To learn more about your Travel Cancellation and Termination Benefits, please view the full terms and conditions of your policy.

After your Travel Insurance Purchase

What should I do if I didn’t receive my Travel Insurance confirmation?
Don’t worry! You don’t need to bring a copy of your Travel Insurance confirmation on your trip. All you need is your Policy Number and our 24-hour Emergency Assistance Number (+632) 878-1290.

If you would still like to receive a copy of your Travel Insurance confirmation, please send your request to palinsurance@chartisinsurance.com including your Full Name, Date of Purchase, Confirmation Number (if available), Travel Dates and E-mail Address or by phone at +63 2 878 5505.
 

I just updated my flight booking with PAL, how can I make changes to my Travel Insurance policy?
After you’ve made a change to your PAL flight booking, please don’t forget to contact us to make the corresponding changes to your Travel Insurance policy. You can reach us by phone at +63 2 878 5505 (Mondays-Fridays 8am-5pm) or by e-mail at palinsurance@chartisinsurance.com

What kind of changes can I make to my Travel Insurance Policy?

Travel Insurance allows for the following changes:

Updated Passenger, Contact and Trip Information
You can make changes with no financial impact such as Passenger Details, Contact Information and Change of Insurance Period (same date range) anytime before the start of your trip.

Shorter Trips
You can shorten your policy duration anytime before the start of your trip. However, please note that we will not refund the difference in premium between your original and updated itinerary.

Longer Trips
You can extend your policy duration before and even after the start of your trip. Please note that we’ll be collecting additional premium if the extension of your trip results in a higher premium.

Updated Travel Dates
You can update your travel dates anytime before the start of your trip. Please note that change rules around shorter and longer trip duration apply.

I’ve decided to postpone or cancel my trip, can I also cancel my Travel Insurance policy?
Sorry, our Travel Insurance policy is a non-cancellable, non-refundable policy. But don’t fret! Your Travel Insurance policy is not wasted. You can still use your Travel Insurance policy the next time you travel within a six (6) month period.

To make the necessary arrangements, please contact us by phone at +63 2 878 5505 (Mondays-Fridays 8am-5pm) or by email at palinsurance@chartisinsurance.com 

My PAL confirmation says my insurance application is still being processed even if I’ve already made payment. When will I receive my policy?
For most cases, we will immediately confirm your travel insurance policy online. However, in cases in which we need more time to process your policy, please give us at least three (3) working days to confirm your application. Please expect our confirmation e-mail to arrive in your inbox!

We will prioritize policies for trips that are starting within 48 hours. 

I was not aware of the insurance offer and did not intend to purchase. What should I do?
Please contact us by phone at +63 2 878 5505 (Mondays-Fridays 8am-5pm) or e-mail us at palinsurance@chartisinsurance.com so we can handle your case appropriately.

We highly recommend that you keep Travel Insurance in your itinerary even if you’re only traveling for a short period.

Here are some reasons why:

  • The travel insurance is one of the most affordable and convenient way to protect you, your loved ones and your trip.

  • Travel Insurance is one of the most important things you should bring when you travel – it helps you deal with small issues such as delayed flights and lost luggage but also protects you from financial problems if you encounter any accidents or serious illness while you’re away.

  • Even though most credit cards include travel insurance, the coverage they offer is usually very limited and is not enough to take care of you on your trip.

If you'd like to learn more, please contact us by phone at +63 2 878 5505 (Mondays-Fridays 8am-5pm) or by e-mail. 

Making a Travel Insurance Claim

What should I do if I get in an accident or need to be treated for a sickness while traveling?
This is where Travel Insurance pulls through and ensures you get the necessary assistance! With Travel Insurance, you get immediate access to our 24-hour Emergency Assistance Number (+632) 878-1290.

If you get hospital treatment, please make sure that you keep original copies of your hospital receipt to make processing your claims a lot easier! 

How do I file for a Claim?
To file a claim, you can download our Notice of Claim Form online and follow the simple and detailed instructions for the benefit you would like to make a claim against.

For questions about your claim, you can always e-mail us at palclaims@chartisinsurance.com or reach our Claims Number at +63 2 878 5505 (Monday-Friday, 8AM-5PM). 

Does Chartis Philippines enforce a deadline for filing a claim?
Yes, you have to notify Chartis Philippines of your claim no later than thirty (30) days from the date of the claimable event. 

How long does it take to process my Claims?
Chartis Philippines will process your claims within fifteen (15) working days following the receipt of all necessary supporting documents.

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