Travel Insurance Guide Cebu, Philippines, Southeast Asia and Worldwide Destinations
(No Ratings Yet)
Loading...
How do you find the best-value travel insurance policy for travel to Cebu, Philippines, Southeast Asia and Worldwide Destinations?
Easy, you might think, just google it, and more often you’ll be referred to a price-comparison travel insurance website, offering what appears to be the best deal or cheapest quotes, but there maybe an initial hidden catch. Price-comparison sites are so powerful and used by so many customers, so consequently there is intense competition among online travel insurance companies to keep the price of their travel insurance products competitive or as low as possible to try to ensure that they reach potential referral customers by appearing on the first search page
Price-comparison travel insurance website results may entice you with cheap offers, which may not be available if you book direct, these type of travel insurance deals may have a reduced policy plan or basic cover or have a particular higher excess. However don’t be put off using price-comparison there are still some good travel insurance plans, it may that you just need to adjust or filter the policy accordingly by selecting the travel insurance which may be more suitable for your travel arrangements or budget
If you find the travel insurance policy online quote is cheaper than you might of expected, it’s most likely the excess amount is high. Phone the travel insurance company direct, they can nearly always reduce the excess amount or make it zero for considerably cheaper than offered online without affecting the base online quote, just use the same online reference number provided online by the referral page or price comparison page, most online saved quotes are valid for 30 days only
During the Covid-19 2020 pandemic travel insurance premiums may have increased substantially most likely for an indefinite period, either direct or via price-comparison online insurance website for long haul destinations to Cebu Philippines, Southeast Asia and Worldwide Destinations
Did you know you may aleardy be covered for personal effects, for example cash, credit cards or gadgets with your home insurance policy
Check your home insurance policy this is usually called “away from home cover” you’ll still require comprehensive travel insurance for hospital or medical emergency and other coverage including baggage
If you are using a free or complementary annual travel insurance policy linked or provided by a packaged bank account or credit card provider, be certain and contact the insurance underwriter by phone or read the small print to make sure it has the required medical coverage for travel to Cebu, Philippines, Southeast Asia or Worldwide Destinations
Typically complementary annual travel insurance are limited to 29 to 31 days per trip for tourism only, and will exclude pre existing serious medical conditions. Check the policy coverage, especially if you have been recently hospitalized or regularly attend appointments, or you are prescribed medication for a heart condition, diabetes, high blood pressure, COPD, MS, terminal illness, mental health condition, drug abuse, alcohol abuse, trip or fall, concussion or traumatic brain injury, and any other similar medical conditions or addictions. Always mention ongoing or all medical issues within the last 1 to 6 years, even if it appereas minor or you think it’s irrelevant
You will not be covered by your travel insurance if you have an accident or emergency caused by yourself being intoxicated or by self inflicted while in Cebu, Philippines, Southeast Asia or Worldwide Destinations
Things to Consider when Purchasing Travel Insurance to Cebu, Philippines and Southeast Asia
Choose a travel insurance policy depending on the nature of the trip or high risk adventure activities in Cebu, Philippines or Southeast Asia. If you are visiting Cebu, Philippines just for once, you can choose a single trip travel insurance, if you are a frequent flyer, you may consider annual travel insurance plan, there are dedicated plans for senior citizens, students, long stay, backpackers and gap year students as well. Annual travel insurance plans are designed for unlimited trips within 12 months, for a specified duration, normally 30, 45, 60 and up to 90 days per trip, depending on the plan you choose, and should not to be confused with coverage for one continuous 12 month trip (365 days)
Power Output in Cebu and the PhilippinesThe Electricity in the Philippines is 220V, with a frequency of 50hz to 60hz, its recommended you avoid packing high wattage electric appliances, unless the output and frequency is the same, you will be at risk of causing injury or fire, especially appliances that have an heating element, for example ironing and hair appliances, travel kettle, waffle maker, hot plate and lamps
Trip Duration in Cebu, Philippines or Southeast Asia
The premium calculated on your policy depends on the number of days, age or pre existing medical history
Annual Policy for Cebu, Philippines or Southeast Asia
Annual or Multitrip travel insurance policy are generally limited to 30 days, 45 days and 60 days maximum per trip, certain annual policy may extend to 90 days cover, for longer trips 90 days or more you should consider long stay cover, gap year or backpackers single trip cover
If you opt for annual cover to Cebu Philippines or Southeast Asia, we highly recommend you consider an annual policy cover from 60 days to 90 days per trip, even if your stay is short or less than 30 days, the premium may be more, but we recommend this type of extended policy in the event you are required to extend your stay in Cebu or the Philippines, especially in the event of any unforeseen circumstances, sudden natural disaster, epidemic of disease control, or International Government travel ban. Nearly all travel insurance companies or underwriter may not extend the policy coverage, if you have departed for travel or already transiting, especially if an International Government travel ban is recommended for an immediate or ongoing period
Mention Medical History for Travel Insurance to Cebu, Philippines, Southeast Asia and Worldwide Destinations
If you have a serious pre existing ailment you will not be covered under a regular travel insurance policy provider plan, you will need to advise the medical screening travel insurance online section or by phone, who will arrange a tailored quote, especially if you have been recently hospitalized or regularly attend appointments, or you are prescribed medication for a heart condition, diabetes, high blood pressure, COPD, MS, Terminal Illness, Mental Health Condition, Drug Abuse, Alcohol Abuse, Recent Hospital Admission and other similar medical conditions or addictions. Always mention or add any ongoing or all medical issues within the last 1 to 6 years, even if it appereas minor or you think it’s irrelevant or inappropriate. If you believe you are unfit, don’t be tempted to travel agaist a doctor or medical professional advice, considering how much more stricter airline travel is, because of the SARS-CoV-2 2020 pandemic
What should I do if I find myself or someone requires sudden medical assistance while in Cebu, Philippines or Worldwide?
If you suspect it’s urgent, immediately ask for a hotel doctor or ambulance, and proceed to the nearest private hospital or local hospital clinic. Immediately contact your policy 24 hour claims handler line, and make them aware of the hospital or clinic name, so they can open and process the claim, they will usually ask to speak patient. You may appoint a main contact person indefinitely to speak on the patient behalf, preferably a close family member with you or from anywhere in the world, especially if the cell, mobile or WIFI signal is unpredictable where the patient is located
Nearly all travel insurance claims department will pay the medical invoice to the hospital or clinic direct upon or prior discharge, without the need to prepay yourself, you will need to arrange the policy excess payment if any direct to the hospital or clinic, or a one off payment under a certain amount, depending on the policy. The insurance provider or underwriter will immediately appoint a local medical agent who speaks the language, and is familiar with that area, typically the medical agent will communicate with the hospital or clinic regularly by phone or email, mainly to verify the medical insurance policy coverage and ask about the medical status of the patient. The travel insurance provider or underwriter will normally request the patient own medical file from there own doctor, although it may take up to 28 days for the file to be released. If your return date is approaching you may usually appoint only one person to stay with the patient, the travel insurance will arrange new flights and hotel for a nominated adult to join and assist the patient, if knowbody is already available to stay with you
Senior Citizens Travel Insurance for Cebu, Philippines or Southeast Asia
Policy for elderly people or if you are aged over 75 will attract a higher premium in most circumstances
Medical Cover for Cebu, Philippines or Southeast Asia
Depending on your annual coverage or premiums you should aim to have medical coverage of at least US$100,000, for either a short stay tourist or long stay of 3 months+. Most travel insurance policy will have in excess of over US$ 1 Million+ coverage for a medical emergency
Certain local annual pre-paid medical insurance that you may purchase or consider in the Philippines do have a lower claim limit of around PHP 50,000 to PHP 100,000, (US$ 900 to $1800), this type of policy may be more useful for unlimited doctors appointments or a medical consultancy. You can hardly rely on local annual pre-paid medical insurance in the event you need to be admitted to a medical facility in an emergency, mainly because it will quickly reach the maximum limit if not already
Serious accidents caused by drink driving, are a common occurrence in Cebu, and the Philippines, especially by younger drivers or inexperienced drivers. The driving standards in Cebu, Philippines is relatively poor or undisciplined, and accidents are more often caused by moped-scooter, illegal drag racing, and Jeepney accidents, that’s why it’s imperative you have sufficient travel insurance cover
Cebu, Philippines Remote island Hopping
The Philippines is surrounded by 7,641 islands and Cebu and surrounding islands are famous for islands hopping, many islands in the Philippines are remote, some have hotel, resort or camping facilities most can only be reached by motorized bamboo style catamaran boat or scheduled passenger ferry service
Certain Cebu Islands cannot be reached anytime, major Cebu ferry services or local boat services by sea have specific daily departures and returns because of tide conditions, most Cebu remote Islands or resorts have basic first aid only or very limited medical facilities
Adventure Activities in Cebu, Philippines
Cebu Philippines is famous for adventure activities, including deep sea and shore diving, canyoneering, remote island hopping, mountain trekking (1,097 meters above sea level), zip lines and bungee jumping
Additional Comprehensive Cover or Add-on Cover for Natural Disaster Travel Insurance Cebu, Philippines or Southeast Asia
It may be worth considering catastrophic or natural disaster travel insurance coverage for travel to Cebu, Philippines or Southeast Asia in the event, such as Flooding, Earthquake, Landslide, Hurricane, Tsunamis and unforeseen circumstances, Sudden Natural Disaster, Volcanoes, and other geologic processes that may cause great damage, which will usually disrupt your itinerary or travel plans. Basic or standard travel insurance policy will not typically include Natural Disaster Travel Insurance Coverage, although you may want to consider adding it, especially if your in Cebu, Philippines or Southeast Asia for a prolonged period of time, including the months of June to October for Cebu, Philippines
For Weather and Climate in Cebu and the Philippines visit: Climate and Weather in Cebu
Earthquakes in Cebu and the PhilippinesThe Philippines lies along the Pacific Ring of Fire, which causes the country to have frequent seismic and volcanic activity, many earthquakes of smaller magnitude occur somewhat regularly due to the meeting of major tectonic plates in this region, destructive weather or warnings and initial earthquakes in Cebu and the Philippines, will certainly restrict sea and air travel, and your travel plans will normally be affected
Volcanoes in the PhilippinesThere are 100 volcanoes in the Philippines, at least 26 have been active or have erupted, based on historical data, although at least two possible eruptions based on historical data are still uncertain (1. Bud Dajo, Jolo Island, Province of Sulu, 2. Unnamed volcano (Ibugos), within the Luzon Strait between Luzon and Taiwan, out of the 24 confirmed volcanic eruptions, some date back to the 1400’s, and one, Leonard Kniaseff, which was last active 1,800 years ago
Some volcanoes in the Philippines are permanently monitored, because the frequency of eruption is unpredictable, signs of volcanism are still evident through thermal features like fumaroles, hot springs and mud pots, there are 8 volcanoes that pose much greater risk of erupting in the Philippines
1. Mayon Volcano in Albay, is the most active volcano in the Philippines
50 Eruptions were recorded from 1616 to 2013, and is permanently monitored, most recent major volcanic activity occurred in 2018
2. Taal Volcano in Batangas, located on Luzon island the Philippines, 100 kilometers south of Metro Manila
35 Eruptions, from 1572 to 1977, most recent major eruption and mass evacuation on January 12, 2020
3. Kanlaon Volcano in Negros island, (Negros Occidental, in the region of Western Visayas and Negros Oriental in the region of Central Visayas)
26 Eruptions, were recorded from 1886 to 2006, on November 23, 2015 the volcano had a small, steam-driven explosion
PHIVOLCS raised the alert level to 1 (mild restiveness), Permanently monitored4. Bulusan in Sorsogon, is a province in the Philippines located in the Bicol Region, in the southernmost province in Luzon
17 Eruptions, from 1886 to 2011, Permanently monitored
5. Smith in Calayan, also known as Mount Babuyan, is a cinder cone on Babuyan Island, the northernmost of the Babuyan group of islands on Luzon Strait, northern part of the main island at Luzon in the Philippines
6 Eruptions, from 1652 to 1924. Combined with Babuyan Claro on the GVP list
6. Mount Hibok-Hibok (also known as Catarman Volcano, is a stratovolcano on Camiguin Island in the Philippines, it is one of the active volcanoes in the Country and part of the Pacific ring of fire
5 Eruptions, from 1827, 1862, 1871 and 1948–1952, most recent activity from 1897-1902 was only solfataric, (a volcanic area that gives off sulfurous gases and steam), Permanently monitored
7. Mount Pinatubo in Zambales, Pinatubo is most notorious for its VEI-6 eruption on June 15, 1991, the second-largest terrestrial eruption of the 20th century after the 1912 eruption of Novarupta in Alaska
3 Eruptions, active in1991 producing the 2nd largest eruption in the 20th century, followed by less severe eruptions in 1992 and 1993
8. Musuan in Bukidnon, Musuan Peak or Mount Musuan, also known as Mount Calayo, is an active volcano on the island of Mindanao in the Philippines, just 4.5 kilometers (2.8 mi) south of the city of Valencia, province of Bukidnon, and 81 kilometers (50 mi) southeast of Cagayan de Oro City
2 Eruptions, in 1866 & 1867, strong seismic swarm in 1976
Travel Insurance Excess Amount for Cebu, Philippines or Southeast Asia
Select a policy with a lower excess of approx US$100 to US$150 or zero in the event of a claim, zero excess will attract a higher premium, but will be more beneficial if you are required to make a claim
Certain long stay cover or backpackers cover travel insurance to Cebu, the Philippines and Southeast Asia may have a mandatory excess of between US $150 and US $250
Check your travel insurance policy covers adventure activities for Cebu, Philippines or Southeast Asia or those mentioned above or consider travel insurance add-ons or more comprehensive cover including baggage, scheduled airline failure, end supplier failure and natural disaster coverage. You may be covered by your credit or debit card provider if a scheduled airline or booking provider enters into administration or the company fails to provide a service you paid for, excluding direct cash payments or direct bank to bank payments. However in the event of an airline bankruptcy, you may be covered by ATOL which may cover the repatriation of passengers or offer discounted airfares if you are unable to return home due to an airline ceasing operations as a result of financial failure
