The Best Travel Insurance: Choosing the Right Policy for You
29 Jan 2025
OVERVIEW
Ready to jet off overseas or explore the stunning locales of the Philippines? Oona Travel Insurance has you sorted with personalized coverage that ticks all the boxes, starting at ₱299!
Whether you're locking in a Schengen visa, exploring the Americas and Asia, or planning a local escape, our seamless online process ensures securing travel insurance is quick and hassle-free. Rest easy with our travel health coverage, flight delay assistance, and support for lost luggage—all bundled in our convenient insurance plans. Get started today and travel with confidence, knowing Oona has you covered, wherever your adventures take you.
Product
If your trip is cancelled, your travel insurance typically covers the expenses. This includes reimbursement for unused travel, accommodation, meals, and prepaid activities due to unforeseen events such as death, injury, illness (excluding pre-existing conditions), court summonses, serious home damage, job loss, and more. The coverage starts from when you purchase the policy and lasts until you board your transportation.
Overbooking happens when the airline sells more seats than they have available. If your flight is delayed by over 6 hours because of overbooking, the policy covers reasonable costs for meals, lodging, and airport transfers, as long as the airline or others didn't already provide these for free.
Travel insurance isn't required for traveling within the Philippines, or many other places in Asia and worldwide. But if you're heading to Schengen countries, you need international travel insurance, with at least 30,000 EUR coverage. While not necessarily needed elsewhere, we strongly recommend securing travel insurance to ensure a smoother and worry-free experience during your travels.
No, we don't cover pre-existing conditions initially. However, we do provide first medical aid for emergencies, which includes treatment at hospitals, surgeries, and ambulance services. If it turns out that your condition existed before you got the insurance, we won't cover any further treatments related to it. If your initial coverage limit is reached before we can determine if it's a pre-existing condition, we'll keep providing assistance until we have a diagnosis. If it's not pre-existing, you'll get the regular medical benefits. But if it is, you'll need to pay for any extra costs beyond the initial limit and any excess charges.
Travel insurance doesn't usually cover:
1. Actions by the Insured: Such as misconduct, criminal activities, fraud, negligence, recklessness, or mental disorders.
2. Natural Disasters: Like floods, earthquakes, or volcanic eruptions.
3. Terrorism and Conflicts: Including incidents related to terrorism, uprisings, wars, or conflicts.
4. Risky Activities: Such as hazardous sports or dangerous recreational activities.
5. Travel Advisories: Losses in areas with "DO NOT TRAVEL" warnings or due to government actions.
6. Pre-existing Conditions: Such as known health conditions, self-harm, or substance misuse.
7. Other Exclusions: Like personal errors, financial failures of providers, or major unforeseen events.
These exclusions help define what's covered and manage risks.
Definitely! With Oona Insurance Travel Online, you can easily purchase travel insurance, anytime, anywhere, and as quickly as possible -- even while waiting for your flight. Just head over to www.myoona.ph and select the Oona travel insurance plan that's right for you. You'd get your policy straight to you inbox with just a few clicks.
There are just two (2) important steps to make a claim for your lost luggage:
1. Notify the Airline via their Customer Service
2. Report the incident by calling our 24/7 Hotline numbers: +00 632 8459 4727 (outside PH) / (02) 8459 4727 (within PH), and our team will guide you throughout the whole claims process.
Yes! While airlines typically offer travel insurance as an add-on, you can still avail travel insurance from providers like Oona Insurance. Just be sure to purchase at least a day before you are scheduled to fly out!
Your policy does not cover COVID-19 by default, but you can easily get travel insurance with COVID-19 coverage as an add-on.
This add-on covers medical treatment/expenses, repatriation of mortal remains, and reimbursements for when your trip is cancelled or cut short, because of COVID-19.
The insurance covers costs like transportation, hotel stay, meals, toiletries, and clothing, up to the limit set in the policy.
Before you start, grab your passport and have it handy. You'll need details from it to complete your travel insurance application. Don't forget to also gather all the details of your flight, such as dates, destinations, and flight numbers. Having these documents ready will make the process quick and seamless.
Head over to our website and fill out a simple form. Enter your personal information, travel details, and choose any additional coverage options that suit your needs. The form is designed to be straightforward, ensuring you can complete it with ease.
After submitting the form and making the payment, your policy will be issued immediately and sent straight to your registered email address. Check your inbox for your policy document, review the details to make sure everything is correct, and you're all set! With your travel insurance in hand, you can embark on your journey with peace of mind, knowing you're well-protected.
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