Travel insurance is short-term coverage that protects you against unexpected problems before or during a trip, such as medical emergencies abroad, trip cancellations, delays, and lost or delayed baggage. You pay a one-time premium for the trip, and the insurer covers eligible expenses based on the plan's terms. It gives Filipino travelers, families, and businesses peace of mind when traveling locally or internationally. As an independent insurance broker, Affinitas compares travel insurance plans from multiple insurers and helps you choose coverage that fits your destination, trip length, and budget.

It depends on where you are going. Travel insurance is not required for all trips, but it is mandatory for certain visa applications. Filipino travelers applying for a Schengen visa, for example, must show travel insurance with at least 30,000 euros in medical coverage, valid across the Schengen area for the full duration of the trip. Some other destinations and tour operators also require proof of coverage. Because the rules differ by destination and visa type, Affinitas can confirm what applies to your trip and arrange a plan that meets the requirements.

Travel insurance usually covers a mix of medical and trip-related risks. Depending on the plan, this can include emergency medical treatment and hospitalization abroad, emergency medical evacuation or repatriation, trip cancellation or interruption, travel delays, and lost, stolen, or delayed baggage. Some plans add benefits like personal accident cover or protection for specific activities. What is included, along with limits and exclusions, varies by insurer and plan. Affinitas explains exactly what each travel insurance plan covers and compares options so you can match the protection to how and where you travel.

The cost of travel insurance depends on several factors, so there is no single price. Insurers look at things like your destination, the length of your trip, your age, the level of coverage you choose, and any optional benefits or activities you add. A short domestic trip generally costs less than long-haul international travel with higher medical limits. Rather than quoting a single figure, Affinitas compares plans from multiple insurers based on your trip details, so you can see your options and find suitable coverage at competitive value.

In most cases, yes, for unexpected illness that happens during your trip. Travel insurance typically covers emergency medical treatment and hospitalization if you fall sick while traveling, subject to the plan's limits and terms. Pre-existing conditions are treated differently and are often excluded unless specifically declared and accepted by the insurer, and routine or planned treatment is generally not covered. Because the details vary by insurer and plan, Affinitas helps you understand how illness and pre-existing conditions are handled and compares plans that suit your health needs.

Contact your insurer's emergency assistance hotline as soon as possible. Most travel insurance plans provide emergency assistance that can help you find medical care, arrange payment or guarantees with hospitals, and coordinate evacuation when needed. Keep your policy number and the hotline details with you while you travel, and hold on to all receipts and medical records for your claim. Affinitas gives you these emergency contacts up front and supports you and your family throughout the process if something goes wrong during your trip.

The exact process depends on your insurer and plan, but filing a travel insurance claim generally involves notifying the insurer as soon as possible, completing a claim form, and submitting supporting documents such as medical reports, receipts, police or incident reports for theft, and proof of travel delays or cancellations. The insurer then assesses the claim before it is settled. Keeping your documents organized while you travel makes this much easier. Affinitas provides travel insurance claims assistance, helping you prepare requirements and coordinate with the insurer so the process is as smooth as possible.

In many cases, yes. Many travel insurance plans allow you to extend coverage if your trip is prolonged, provided you request the extension before your current policy expires and the insurer approves it. Options and conditions, such as maximum trip length and eligibility, depend on the insurer and plan. It is best to arrange any extension early rather than waiting until your coverage lapses. As your independent broker, Affinitas helps you request an extension and coordinates with the insurer so your protection continues without a gap while you are away.