Saturday, June 3, 2017

Airline Travel Insurance Summary of Benefits and Coverage

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You are always offered with a travel insurance whenever you book a flight in the Philippines. More often if not always, you would normally untick the box and disregard the offer. But, what is the coverage of the insurance? Why airlines are persistent in offering travel insurance? What benefits can you get out of it? I did a little digging and here's what I found out. 


Summary of Benefits and Coverage of Travel Insurance offered by Air Asia, Cebu Pacific Air, and Philippine Airlines.

Tune Protect Travel Insurance by AirAsia
Cost: Domestic Destinations (Travel within the Philippines) Php 200 (one-way)
Benefits and Coverage
  • Flight cancellation up to original flight cost
  • Accidental Death & Permanent Disability up to Php 3,000,000
  • Loss or damage of baggage up to Php 19,500
  • Baggage delay - PHP 2,500 per 6 hour delay period up to Php 5,000
  • Missed flight connection - PHP 4,000 per 6 hour delay period up yo Php 8,000
  • On-time Guarantee - (Flat Payment for delay of 2 hours or more caused by airline), up to Php 2,500
  • Coverage for accompanying infant up to Php 300,000
  • Emergency Medical Evacuation & Mortal Remains Repatriation, up to Php 100,000
  • AirAsia flight delay - PHP 2,000 per 6 hour delay period, up to Php 14,000
  • Detailed info and FAQ, click here.
TravelSure Insurance by Cebu Pacific
Cost: Domestic Destinations (Travel within the Philippines) Php 392 (Round-trip basic protect)
Benefits and Coverage
  • Accidental Death - Php 1,000,000.00
  • Total Permanent Disability - Php 1,000,000.00
  • Dismemberment and/or Disablement * Subject to schedule of indemnity relative to extent of injury - Php 1,000,000.00
  • Burial Assistance Benefit (Accidental Death) - Php 15,000.00
  • Medical Expenses ( Accident and Sickness) *applicable to round-trip tickets only - Php 1,000,000.00
  • Emergency Trip Abandonment** , up to Php 50,000.00
  • Emergency Trip Curtailment, up to Php 50,000.00
  • Loss of Travel Documents, up to Php 40,000.00
  • Loss of Baggage (Max insd), up to Php 50,000.00 Sub-limit of Php 5,000 per item
  • Loss of Firearm, up to Php 50,000.00
  • Loss of Sports Equipment, up to Php 50,000.00
  • Damage to Baggage (Max insd), up to Php 10,000.00
  • Baggage Delay (Max insd), After a 12 hour waiting period up to Php 20,000.00
  • Strikes/ Hijack (Max insd), Php 1,000.00 per day (max of 10 days)
  • Flight Delay, After a 12 hour delay period up to Php 1,000.00 Due to skyjacking, severe weather conditions, max of 20 days
  • Return of Mortal Remains, up to Php 75,000.00
  • Compassionate Visit by Relatives, up to Php 75,000.00 
  • Full info, click here.
PAL Travel Insurance underwritten by PNB General Insurers Co., Inc.
Benefits and Coverage
  • Personal Accident, Php 1,200,000
  • Repatriation of Remains, unlimited
  • Funeral Benefit, up to PHP 175,000
  • Medical Expenses due to accident/illness including admission, dental and follow-up care, up to PHP 1,200,000 (deductible PHP 500)
  • Hospital Confinement Income Benefit (up to 10 days), PHP 1,200/day Maximum of PHP 12,000
  • Emergency Communication Expense, up to PHP 2,500
  • Compassionate Visit, Travel Cost plus up to PHP 2,500/day Maximum of PHP 75,000
  • Child Guard, Travel Cost plus up to PHP 2,500/day Maximum of PHP 75,000
  • Trip Cancellation up to PHP 50,000 (Deductible PHP 500)
  • Trip Curtailment up to PHP 50,000 (Deductible PHP 500)
  • Baggage Delay (for each 12-hour delay) up to PHP 5,000 (Maximum of PHP 50,000)
  • Flight Delay (for each 12-hour delay) up to PHP 1,000 (Maximum of PHP 10,000)
  • Loss / Damage of Baggage and Personal Effects (Per item) up to PHP 7,000 per item Maximum of PHP 50,000 (Deductible PHP 500)
  • Loss of Travel Documents up to PHP 20,000
  • Hijack (per day) PHP 1,000/day Maximum of PHP 10,000
  • Personal Liability including Legal Expenses up to PHP 500,000
  • Full details, click here.

Travel insurance offered by the airline is an upgrade of your basic protection coverage under the Air Passenger Bill of Rights of the Philippines. Below is the summary of the Air Passenger Bill of Rights.









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