Frequently Ask Questions

General Questions

  1. What is Travel Insurance?

    Travel Insurance is your protection in the event that an accident or sickness occur while you are travelling outside or within the Philippines. 

  2. What are the benefits of having a Travel Insurance?

    The FPG Travel will keep you worry-free given the numerous benefits under the international and domestic travel where losses of money/belongings and accident are covered. 

  3. When does your Travel Insurance begin and end?

    The Insured is covered whilst travelling, the coverage commences upon entry to the Airport in the Philippines and terminates upon exit of the Airport in the Philippines.

  4. What is the age limit for a person covered under Travel Insurance?

    For International Travel covers up to 75 years old

    For Domestic Travel covers up to 70 years old

  5. How can I claim under Travel Insurance?

    FPG Travel has a 24/7 hotline (+632) 459-4768 and a dedicated personnel who will attend to you while you are outside the Philippines. For Domestic Travel, you can call (+632) 859-1200 or (+632) 944-1300 for immediate assistance.

  6. Can I still buy Travel Insurance even if I have pre-existing condition?

    Yes, you can still purchase travel insurance. However, FPG Travel International can only cover pre-existing conditions up to US$ 500. Whilst, domestic travel does not cover pre-existing conditions.    

  7. What if after purchase of the Travel Insurance I was declined by the Embassy, can I cancel my Travel Insurance and refund the premium?

    The company will grant your request for policy cancellation upon submission of proof of denial for Visa application form the Embassy. The premium will be refunded except for the documentary stamps and taxes paid to the government. 

  8. If I travel frequently for a year, can I avail of an annual Travel Insurance?

    Yes, FPG Travel International provides annual cover for frequent travelers with unlimited trips but not to exceed (180) consecutive days per trip. 

  9. What are the advantages of our FPG Travel (International) compared to others?

    - It provides cashless claim settlement
    - It covers up to 75 years old
    - It provides worldwide cover excluding the Philippines
    - No medical application required

     

  10. Does the FPG Travel offers a family package at a discounted rate?

    Yes, FPG Travel International provides a family package with a maximum of four (4) family members.

Claims

  1. Domestic Travel

    ACCIDENTAL DEATH & DISABLEMENT    
    - Duly accomplished claim form    
    - Death Certificate (Original copy)    
    - Clinical Abstract if hospitalized    
    - Proof of beneficiary's relationship    
    - Autopsy Report (if deemed necessary)    
    - Police report 

     

    MEDICAL REIMBURSEMENT    
    - Duly accomplished claim form    
    - Medical report with admitting medical history   
    - Clinical/ Laboratory results    
    - Detailed Hospital Statement of Account    
    - Copy of Orerative Report    
    - Prescriptions

     

    TRIP CANCELLATION AND TRIP CURTAILMENT    
    - Duly accomplished form    
    - Airline Itinerary / Booking    
    - Certification of Trip Cancellation    
    - Copy of airline ticket    
    - Incident report from the insured  

     

    FLIGHT DELAY    
    - Duly accomplished claim form    
    - Original Certification from Airline Company with cause
    - Original Receipts of expenses incurred due to incident
    - Copy of the flight itinerary of the actual time and date of departure    

    BAGGAGE DELAY                    
    - Duly accomplished claim form    
    - Original Property Irregularity Report (P.I.R.) from airline
    - Written confirmation from the airline regarding the length of the delay
    - Original Receipts of essential items purchased due to delay of luggage

     

    BAGGAGE LOSS                    
    - Duly accomplished claim form    
    - Original Property Irregularity Report (P.I.R) from Airline
    - Written confirmation from the airline company about the loss or damage of the checked-in baggage    
    - List of contents of the luggage with estimated price and date of purchase of each item
    - Photograph of the damaged item and the original receipt and/or quotation for the repair
    - Original certification of settlement of the compensation payment by the carrier

     

    HOSPITAL CONFINEMENT ALLOWANCE                    
    - Duly accomplished claim form                    
    - Hospital statement/billing                    
    - Official receipts of the hospital bill 

     

    IMPORTANT NOTICE:                    
    1. Additional documents maybe required for each benefits
    2. Advice of Loss should be made at least 30 days from date of the incident
    3. Submission of all relevant documents must be within 60 days from expiry of the Travel Policy

     

  2. International Travel

    MEDICAL AND EMERGENCY EXPENSES 
    - Duly accomplished claim form                        
    - Original Medical / Dental Report and/or Medical Abstract
    - Laboratory and Test Results                        
    - Operative and/or Histopathology Reports            
    - Hospital Statement of Account and/or Receipts    
    - Police Report (if due to accident) 

     

    Extension of Period of Stay of the Insured as result of Illness or Accident
    - Duly accomplished claim form                        
    - Hospital Notes or Confirmation letter confirming days as an in-patient 

     

    DELIVERY OF MEDICINES (Excluding Cost of Medicines)
    - Copy of Prescription  

     

    COMPASSIONATE VISIT                        
    - Duly accomplished claim form
    - Original Receipts of the Transportation and Accommodation Expenses of the companion    
    - Copy of flight itinerary of the companion

     

    TRAVEL CANCELLATION EXPENSES AND TRIP CURTAILMENT
    - Duly accomplished claim form                        
    - Reason Unable to Travel (Affidavit stating the Reason of cancelling the trip)                        
    - Medical (Medical Report and/or Medical Abstract)           
    - Death (Death Certificate)                        
    - Accident (Police Report)                        
    - Jury (copy of Court Order or Jury Notice)                        
    - Damage to Insured’s Home (Police Report)                      
    - Emergency (Confirmation letter if part of armed forces activity, fire nursing,notification from the employer, etc)     
    - Proof of relationship between Insured Person and the Immediate family member (if needed)                        
    - Original Receipts or Tax invoice for proof of advance payment made for transportation and accommodation expenses issued by the agency or
    directly by the wholesaler (airline or hotel) and a copy of the travel voucher    
    - Original cancellation document proving the non-refundable portion specified (e.g. travel agency’s
    certification, letter from the airline to the travel agency or client stating that the carrier can’t refund the airfare, and statement from the hotel regarding cancellation policies)  
    - Original Receipts or Tax Invoice for the additional fees paid for the return ticket to home country such with a copy
    as no show fee, rebooking fees, penalties, etc. of the new travel itinerary

     

    FLIGHT DELAY, MISSED CONNECTING FLIGHT & FLIGHT DIVERSION
    - Duly accomplished claim form                        
    - Original Certification from Airline Company with cause
    - Original Receipts of expenses incurred due to incident
    - Copy of the flight itinerary of the actual time and date of departure

     

    AIRCRAFT HI-JACKING                        
    - Duly accomplished claim form                        
    - Certification from the airline regarding the Incident including the length of time the airline was hi-jack

     

    LUGGAGE DELAY
    - Duly accomplished claim form                        
    - Original Property Irregularity Report (P.I.R.) from airline
    - Written confirmation from the airline regarding the length of the delay
    - Original Receipts of essential items purchased due to delay of luggage

    Compensation for In-Flight Loss or Destruction of Checked-in Baggage
    - Duly accomplished claim form
    - Original Property Irregularity Report (P.I.R) from Airline
    - Written confirmation from the airline company about
    the loss or damage of the checked-in baggage
    - List of contents of the luggage with estimated
     price and date of purchase of each item
    - Photograph of the damaged item and the original receipt and/or quotation for the repair
    - Original certification of settlement of the compensation payment by the carrier 

     

    LOSS OF TRAVEL DOCUMENTS
    - Duly accomplished claim form
    - Original Police report from the place where incident occurred 
    - Essential costs to replace the passport  
    - Travel cost to embassy (Original receipts)
    - Accommodation if required to wait (original
    receipts)
    - Original receipts for costs or fees to obtain new travel document  

     

    CAR RENTAL EXCESS PROTECTION                    
    - Duly accomplished claim form
    - Confirmation letter from rental company confirming the damage or theft was a result of your control
    - Confirmation letter advising the excess which the customer has made payable and the outstanding amount   

     

    PERSONAL LIABILITY
    - Duly accomplished claim form
    - Original Police report from the place where incident occurred    
    - Correspondence received from any Third Party
    - Account of circumstances leading to the incident
    - Witness details and their version of events

     

    ACCIDENTAL DEATH AND DISABLEMENT / PERMANENT TOTAL DISABILITY    
    - Written notice of claim must be submitted to the Company within 7 days from date of accidental death. The Company reserves the right to deny any claim where notices are filed beyond 7 days
    - Hospital and physician’s report indicating the nature of the loss and extent and period of disability    
    - Police reports when relevant    
    - In case of death, a copy of the Coroner’s report on post-mortem examination
    - Proof of Relationship of claimant with the insured
    - NSO Authenticated Death and Birth Certificate    
    - 2 Valid / Government issue ID cards of the Insured and the beneficiary
    - In case of permanent disability, original medical report on the sustained injury and/or permanent disability
    - Certification to the legal personality of the beneficiaries. Should these be the legal heirs, order of declaration of heirs made by the competent court will be necessary
    - Certificate from the Register of Last will procedures, if the designation of beneficiaries were made by will (if applicable)
    - Letter of payment of or exemption from General Inheritance Tax, duly filled out by the relevant Tax office                
    - Other legal documents that may be required

     

    IMPORTANT NOTICE:                    
    1. Additional documents maybe required for each benefits
    2. Advice of Loss should be made at least 30 days from date of the incident
    3. Submission of all relevant documents must be within 60 days from expiry of the Travel Policy