Is travel insurance typically required for Filipino travelers?

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.

Is pre-existing illness covered under medical & emergency expenses?

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.

Can I still get travel insurance after booking a trip?

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!

What expenses does my insurance cover if my flight is delayed?

The insurance covers costs like transportation, hotel stay, meals, toiletries, and clothing, up to the limit set in the policy.

Buy Comprehensive Travel Insurance Online in the Philippines

Q: What happens to my travel insurance if my trip is cancelled?

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.

Q: What is over booking and does my policy cover it?

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.

Q: What does travel insurance typically not cover?

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.

Q: Can I still get travel insurance while already at the airport?

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 your inbox with just a few clicks.

Q: What should I do if my checked-in luggage goes missing during my flight and I need to make a claim?

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.

Q: Does my policy cover COVID-19? If yes, what are the coverages?

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.

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OVERVIEW

Insure instantly. Roam fearlessly.

Planning to explore the world or discover more of the Philippines? Whether you’re applying for a Schengen visa or heading off to Asia, the Americas, or your next local getaway, Oona Travel Insurance offers the protection you need, starting at just ₱299.

Our affordable travel insurance in the Philippines covers everything from Schengen travel insurance requirements to flight delays, lost luggage, and emergency medical expenses. With our fast and hassle-free online process, securing the right travel insurance has never been easier.

Get the coverage that fits your journey. Wherever you go, travel smart and worry-free with Oona.

Why Online Travel Insurance is the Smart Choice

Real-time Quotation & Issuance

Easily compare travel insurance plans in real time, choose coverage that fits your trip, and buy online in minutes. It's seamless, with secure protection for every journey.

Instant coverage at a good price

Get protected the moment you book your trip. With instant travel insurance coverage at a competitive price, you can travel with confidence knowing you’re secured from day one.

Buy Travel Insurance Online Anytime, 24/7

Purchase travel insurance anytime and anywhere with our 24/7 platform. Get the right coverage at your convenience, whether you're planning ahead or booking a last-minute trip.

Product

Explore a variety of travel insurance plans tailored to meet your travel essentials

International Travel

Protection for international trips, including Schengen, with coverage period of up to one (1) year

Up to ₱ 5 million cover for medical and emergency expenses and up to ₱ 2.5 million cover for Covid-19-related expenses

Additional benefits in the form of assistance for travel inconveniences, as well as personal accident, and personal liability coverages

Starts From

₱ 299.00

Buy Now

Download Brochure

Annual Multi-Trip

Enjoy full benefits of international travel insurance

Go on unlimited trips with one annual plan

Covers travel inconveniences and medical emergencies, including Covid-19

Perfect for frequent flyers, business travelers, and digital nomads

Starts From

₱ 13,940/year

Buy Now

Domestic Travel

Protection for trips around the Philippines

Up to ₱ 1 million cover for medical and emergency expenses, including those for Covid-19

Additional benefits in the form of assistance for travel inconveniences, as well as personal accident, and personal liability coverages

Starts From

₱ 266.00

Buy Now

Download Brochure

Flight Delay

Instant lounge access for flight delays of atleast an hour

No claims documents necessary

Protection for injuries or death (up to ₱ 10,000 coverage) while riding as a passenger

Only

₱ 149.00

Buy Now

Boost your travel coverage with these add-ons

Covid-19 Protection

Stay protected against COVID-19-related trip disruptions and medical expenses

Hazardous Sports

Our travel insurance hazardous sports coverage protects you during adrenaline-fueled adventures

Sports Equipment

Safeguard your gears from breakage or scratches while declared and checked-in on a flight.

International Cruise

Set sail with protection against unforeseen events while you explore the seas.

Why is Oona Travel Insurance the Right Choice?

Fast, Easy, and Paperless from Start to Finish

Oona makes it easy to buy travel insurance online in minutes. No paperwork, no hassle, just instant protection wherever and whenever you need it.

Plans That Fit Your Trip and Travel Style

Whether you're flying for fun, family, or business, Oona offers flexible coverage options tailored to match your destination and travel plans.

Protection Against Delays, Lost Baggage & More

Flight delays, cancellations, or lost bags? Oona helps you recover costs quickly so your travel experience remains smooth and stress-free.

24/7 Global Emergency and Medical Support

Oona has your back worldwide with round-the-clock access to emergency medical care, travel assistance, and evacuation when you need it most.

Schengen & Visa-Compliant Travel Insurance

Applying for a visa? Oona provides embassy-compliant coverage that meets Schengen and other destination requirements for hassle-free approval.

Year-Round Coverage for Frequent Travelers

With Oona’s annual multi-trip plans, you get automatic coverage for every trip you take within 12 months. No need to repurchase each time.

Purchasing travel insurance online

Step 1
Ready Your Trip Info

Note your travel dates, destinations, and flight numbers. You’ll need these to make sure your coverage matches your trip exactly.

Step 2
Fill Out the Online Form

Input your name, passport info, travel dates, and destination. Our easy form helps you finish the process in just a few minutes.

Step 3
Get Covered Instantly

Your policy is issued right after checkout. Check your email, review the coverage, and travel knowing you’re well-protected.

Hear it straight from our satisfied customers

"When my luggage got delayed for two days, Oona reimbursed me for essentials with no hassle. I was able to continue my trip without stress."

Leah, Iloilo

"Oona’s online process made applying for my Schengen visa so easy. I had my Schengen-compliant travel insurance certificate ready in just a few clicks."

Ryan, Pasig

"Oona’s travel insurance saved me from paying huge medical bills after I got sick in Vietnam. The support team was professional and handled everything quickly."

Carlo, Bacolod

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Got questions about Travel Insurance?

Explore these FAQs to learn more about it.

View All FAQS

What hazardous sports are covered by the policy, and will I be covered if I participate in them?

Answer: Your travel insurance may cover certain hazardous or adventure sports such as skiing, scuba diving (within safe depth limits), surfing, and hiking, as long as they are done recreationally and not professionally or in competitions. Always check your policy’s list of covered activities and exclusions to confirm coverage before participating. If the sport is not included, you may need to add an adventure sports rider for protection.
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What’s the difference between single-trip and annual multi-trip travel insurance?

Answer: Single-trip insurance covers one journey from start to finish, while annual multi-trip insurance protects all your trips within a year. This type of travel insurance is ideal for frequent travelers who want continuous coverage without buying a new policy every time.
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Can I still get travel insurance while already at the airport?

Answer

Yes, absolutely. With Oona Insurance Travel Online, you can buy travel insurance anytime, anywhere, even while you’re at the airport waiting to board. The process is quick, fully online, and takes just a few minutes.

Simply visit www.myoona.ph using your phone, tablet, or laptop, choose the Oona Travel Insurance plan that fits your trip, fill out the short form, and complete your payment. Your policy will be sent instantly to your email inbox, ready for you to review and present if needed.

This flexibility means you can still secure coverage for medical emergencies, trip delays, lost baggage, and more, even if you forgot to buy insurance before leaving home.

Tip: While you can buy travel insurance hours before your flight (typically at least 2 hours), purchasing it earlier gives you added benefits like trip cancellation coverage before your departure date.

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Can I still get travel insurance while already at the airport?

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Will my insurance cover my expenses if my flight is delayed?

Answer: Yes. If your flight is delayed by 6 hours or more, your travel insurance can help cover the extra costs. This can include your hotel stay, transportation to and from the airport, meals, basic toiletries, and even clothing if you’re stuck overnight without your bags. Just remember to keep all receipts and get written proof of the delay from the airline.
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Will my travel insurance work in multiple countries?

Answer: Yes, most international travel insurance policies provide coverage in multiple countries during the policy period, as long as the destinations are declared at the time of purchase. This is perfect for multi-country tours, cruises, or backpacking trips. Just make sure your plan includes all the countries on your itinerary, especially if some destinations have higher medical costs.
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What should I do if my checked-in luggage goes missing during my flight and I need to make a claim?

Answer

If your checked baggage is lost, delayed, or missing, it’s important to act quickly to protect your claim rights. Follow these two essential steps:

Notify the Airline Immediately
- Go to the airline’s Customer Service or Baggage Services counter as soon as you notice your luggage is missing.
- File an official Property Irregularity Report (PIR) or similar form and request a copy — this will serve as proof for your insurance claim.
- Keep all your boarding passes, baggage tags, and any receipts for emergency purchases you may need.
Contact Oona Insurance’s
- 24/7 HotlineCall us as soon as possible so we can assist you:
  Outside the Philippines: +00 632 8459 4727
  Within the Philippines: (02) 8459 4727
- Our claims team will guide you step-by-step, explain the documents needed, and help you complete your claim submission.

Tip: Prompt reporting is crucial. Most airlines and insurers have strict timelines for lost baggage claims. The sooner you report, the better your chances of a smooth reimbursement process.

Questions

What should I do if my checked-in luggage goes missing during my flight and I need to make a claim?

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What is Schengen travel insurance and why do I need it?

Answer: Schengen travel insurance is a type of travel insurance required for visa applications to Schengen Area countries. It must have a minimum coverage of €30,000 for medical expenses. This ensures you’re protected in case of illness, accidents, or emergencies while traveling in Europe.
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Is pre-exsiting illness covered under medical & emergency expenses?

Answer: No, pre-existing medical conditions are generally not covered under our Medical & Emergency Expenses benefit. This means illnesses or injuries you had before your policy started, even if you weren’t actively receiving treatment, will not be eligible for full coverage. However, if you experience a medical emergency while traveling, we will provide initial emergency assistance to stabilize your condition, including ambulance transport, hospital admission, urgent surgery, and other necessary first aid. Once a diagnosis confirms whether the condition is pre-existing or new, your coverage will continue in full if it’s new, or stop after the initial emergency limit if it’s pre-existing.
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My trip includes a cruise. Is this covered under my travel policy?

Answer: Cruises are not automatically covered under a regular travel insurance policy, but you can add cruise coverage for an extra premium. This upgrade will protect you against trip delays, medical issues on board, and other unexpected events during your cruise vacation.
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What does travel insurance typically not cover?

Answer

While travel insurance offers protection for many unexpected events, there are important exclusions you should know. These help define the scope of coverage and manage risks for both the insurer and the traveler. Common exclusions include:

Actions by the Insured – Losses caused by your own misconduct or unlawful acts, including fraud, criminal activity, negligence, reckless behavior, or incidents linked to mental health disorders.
Natural Disasters – Events such as floods, earthquakes, volcanic eruptions, and other large-scale natural catastrophes, unless your policy specifically lists them as covered.
Terrorism and Armed Conflicts – Losses resulting from terrorism, uprisings, riots, war, civil unrest, or similar large-scale conflicts.
Risky or Extreme Activities – Participation in hazardous sports, extreme adventure activities, or high-risk recreational pursuits not covered by your plan.
Travel Advisories and Government Actions – Losses incurred in destinations under an official “DO NOT TRAVEL” warning or caused by government restrictions, deportations, or travel bans.
Pre-existing Medical Conditions – Known illnesses or injuries you had before your policy started, as well as self-inflicted injuries, suicide attempts, or complications from alcohol or drug misuse.
Other Specific Exclusions – Losses from personal errors (like incorrect booking details), the financial failure of a travel provider, or major events outside the scope of your plan.

Tip: Always review your policy’s “General Exclusions” section before you travel so you know exactly what’s covered and what’s not. This will help you plan better, avoid surprises during claims, and choose add-ons if you need extra protection.

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What does travel insurance typically not cover?

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Should I buy my own travel insurance?

Answer: Absolutely. Even if it’s not required, having your own travel insurance gives you peace of mind. It covers you for important things like medical expenses, flight delays, and lost baggage, so you can enjoy your trip without financial worries.
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How much does travel insurance typically cost?

Answer: Prices of travel insurance in the Philippines vary depending on your destination, trip duration, and coverage type, but even Oona's extensive plans are designed to give you maximum protection at a great value.Our comprehensive travel insurance with COVID-19 coverage starts at just ₱299, making it an affordable way to protect yourself from unexpected costs during your trip.
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Can I get family travel insurance?

Answer: Yes! Family travel insurance covers you, your spouse, and your children under one policy, often at a more affordable rate than buying separate plans. It’s a convenient way to protect your whole family on vacations.
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Can I still make changes to the flight details in my policy?

Answer: Yes, you can request changes to your flight details in your travel insurance policy before your trip begins. Simply contact our customer service team or send us an email with your updated itinerary. Changes must be made before your coverage period starts, and additional fees may apply depending on the adjustments. Always review your policy terms to ensure the updates are processed correctly.
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What will happen to my travel insurance if my visa is denied?

Answer: Some travel insurance policies include a visa refusal benefit, reimbursing your prepaid expenses if your visa application is unexpectedly denied. This is especially useful for Schengen and other visa-required destinations.
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When does my travel insurance policy start and end?

Answer: Your Oona Travel Insurance policy starts one hour before your scheduled departure and remains in effect for the entire duration of your trip. Coverage ends one hour after your scheduled or actual arrival, whichever comes first. This ensures you’re protected during transit, while traveling, and right up until you reach your destination safely.
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What happens to my travel insurance if my trip is cancelled?

Answer: If your trip is cancelled, trip cancellation coverage in your travel insurance can reimburse prepaid, non-refundable costs like flights, hotels, tours, etc., up to your policy limit, but only for covered reasons such as, illness, injury, death in the family, serious home damage, job loss, court summons, etc.. Always check exclusions in your policy. For example, many policies exclude pre-existing medical conditions unless you buy a waiver.
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Can I extend my Schengen travel insurance policy if my trip gets longer?

Answer: Absolutely. If you decide to stay beyond your original dates, you can extend your policy easily by getting in touch with us, just be sure to renew before your current coverage expires.
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Does my policy cover COVID-19? If yes, what are the coverages?

Answer: COVID-19 coverage isn’t included in your travel insurance by default, but you can easily add it when purchasing your policy. This add-on gives you protection if you contract COVID-19 during your trip, including coverage for medical treatment and hospital expenses, emergency evacuation or repatriation of mortal remains, and reimbursement if you need to cancel your travel plans or cut your trip short due to COVID-19. It’s a smart choice, especially if you’re traveling to destinations that require proof of COVID-19 insurance for entry.
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I am insured. What steps should I follow if I get sick while traveling?

Answer

If you fall ill while traveling, contact our 24/7 Travel Assistance Hotline immediately at +00 632 8459 4727 (outside the Philippines) or (02) 8459 4727 (within the Philippines).

You can also email us at operationsph@pacifico-assistance.com.ph.

Please prepare and provide the following details so we can assist you quickly:

Full name and personal information
Policy number
Contact numbers (mobile, hotel, or residence)
Your current location
Details of your sickness or injury

Our team will guide you through the entire medical assistance process, including hospital arrangements, treatment coordination, and claims support.

Questions

I am insured. What steps should I follow if I get sick while traveling?

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Can I transfer my travel insurance to someone else?

Answer: No, travel insurance policies are non-transferable. Each policy is customized based on the traveler’s personal details such as age, health condition, destination, and trip duration. These factors determine the premium, coverage limits, and benefits, which cannot simply be reassigned to another person. If someone else needs coverage, they will need to purchase their own travel insurance policy tailored to their travel plans.
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Is travel insurance worth it for short trips?

Answer: Absolutely. Even for weekend getaways or short business trips, travel insurance can save you from unexpected expenses like medical bills, flight delays, or lost baggage. It’s a small investment for peace of mind, especially when emergencies can happen anytime, anywhere.
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Does travel insurance cover lost passports?

Answer: Yes, most travel insurance policies include coverage for travel documents, such as lost or stolen passports. This helps cover the cost of replacement, including necessary travel to the nearest embassy or consulate, so you can continue your trip with minimal disruption.
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What is overbooking and does my policy cover it?

Answer: Overbooking (also called overselling or denied boarding due to overbooking) happens when an airline sells more tickets than there are seats on the flight. If this results in a flight delay of more than 6 hours, many travel insurance policies, including Oona, may reimburse reasonable expenses for meals, hotel accommodation, and airport transfers, provided the airline or another party hasn’t already given them to you for free.
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How does cashless medical assistance work?

Answer: If you fall sick or get injured while traveling, cashless medical assistance lets you get treatment without worrying about payment on the spot. Simply go to a partner hospital, and Oona Travel Insurance will handle the bill directly with the facility. This means no upfront costs, no reimbursement hassles, and peace of mind while abroad.
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Is travel insurance required for Filipino travelers?

Answer: For Filipino travelers, travel insurance is not required--but still recommended--for domestic trips within the Philippines or for many destinations in Asia and worldwide. However, it is mandatory if you are applying for a Schengen visa or visiting countries that specifically require proof of travel insurance. For Schengen countries, you must have international travel medical insurance with at least €30,000 coverage for medical emergencies, hospitalization, and repatriation.
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Do I need travel insurance for my trip back to the Philippines?

Answer: Travel insurance is not required for returning to the Philippines. However, it’s still highly recommended to protect yourself against unexpected expenses. Coverage can include medical emergencies during layovers, trip delays or cancellations, lost baggage, and even accidents before you arrive home. Whether you’re a Filipino resident or an overseas traveler heading back, having insurance ensures a smooth, stress-free journey.
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How long does my flight need to be delayed for my policy to apply?

Answer: For your policy to cover a flight delay, the delay must last more than six hours. Whether caused by bad weather, airline technical issues, or actions by authorities, you may be entitled to benefits like meal, hotel, and transport allowances.
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What's the best option for travel insurance?

Answer: The best travel insurance depends on your travel style, destination, and needs. For most travelers, a comprehensive plan that covers medical emergencies, trip cancellations, lost baggage, and flight delays is ideal. If you travel often, an Annual Multi-Trip Travel Insurance plan can save you time and money while keeping you covered year-round. For trips to Europe, choose a Schengen Visa Travel Insurance plan that meets the visa requirements and provides adequate medical coverage. Oona Travel Insurance offers customizable plans with optional add-ons, like COVID-19 coverage and hazardous sports protection, so you get the right protection for every journey.
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Providing quality insurance services with leading partners

Travel Insurance

Insure instantly. Roam fearlessly.

Why Online Travel Insurance is the Smart Choice

Real-time Quotation & Issuance

Instant coverage at a good price

Buy Travel Insurance Online Anytime, 24/7

Explore a variety of travel insurance plans tailored to meet your travel essentials

International Travel

Annual Multi-Trip

Domestic Travel

Flight Delay

Boost your travel coverage with these add-ons

Covid-19 Protection

Hazardous Sports

Sports Equipment

International Cruise

Why is Oona Travel Insurance the Right Choice?

Fast, Easy, and Paperless from Start to Finish

Plans That Fit Your Trip and Travel Style

Protection Against Delays, Lost Baggage & More

24/7 Global Emergency and Medical Support

Schengen & Visa-Compliant Travel Insurance

Year-Round Coverage for Frequent Travelers

Purchasing travel insurance online

Step 1Ready Your Trip Info

Step 2Fill Out the Online Form

Step 3Get Covered Instantly

Leah, Iloilo

Ryan, Pasig

Carlo, Bacolod

Got questions about Travel Insurance?

What hazardous sports are covered by the policy, and will I be covered if I participate in them?

What’s the difference between single-trip and annual multi-trip travel insurance?

Can I still get travel insurance while already at the airport?

Will my insurance cover my expenses if my flight is delayed?

Will my travel insurance work in multiple countries?

What should I do if my checked-in luggage goes missing during my flight and I need to make a claim?

What is Schengen travel insurance and why do I need it?

Is pre-exsiting illness covered under medical & emergency expenses?

My trip includes a cruise. Is this covered under my travel policy?

What does travel insurance typically not cover?

Should I buy my own travel insurance?

How much does travel insurance typically cost?

Can I get family travel insurance?

Can I still make changes to the flight details in my policy?

What will happen to my travel insurance if my visa is denied?

When does my travel insurance policy start and end?

What happens to my travel insurance if my trip is cancelled?

Can I extend my Schengen travel insurance policy if my trip gets longer?

Does my policy cover COVID-19? If yes, what are the coverages?

I am insured. What steps should I follow if I get sick while traveling?

Can I transfer my travel insurance to someone else?

Is travel insurance worth it for short trips?

Does travel insurance cover lost passports?

What is overbooking and does my policy cover it?

How does cashless medical assistance work?

Is travel insurance required for Filipino travelers?

Do I need travel insurance for my trip back to the Philippines?

How long does my flight need to be delayed for my policy to apply?

What's the best option for travel insurance?

Articles related to travel insurance

Do Local Trips Need Travel Insurance? A Guide for Filipino Travelers

Ber Months Are Here: When Should You Book Holiday Flights?

Japan Rail Pass vs. Regional Pass: What’s Best for Your Itinerary?

August Festivals in the Philippines Worth The Trip

Step 1
Ready Your Trip Info

Step 2
Fill Out the Online Form

Step 3
Get Covered Instantly