Travel Insurance in the Philippines

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

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

Answer: 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.
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Is travel insurance typically required for Filipino travelers?

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

Answer: 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.
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What does travel insurance typically not cover?

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

Answer: 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.
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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: 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.
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Can I still get travel insurance after booking a trip?

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

Answer

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

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

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

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Got a Question about Travel Insurance in the Philippines?

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

What is over booking and does my policy cover it?

Is travel insurance typically required for Filipino travelers?

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

What does travel insurance typically not cover?

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

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

Can I still get travel insurance after booking a trip?

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

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

How to file a claim for your travel insurance?

How to file a claim for your travel insurance?

Before you claim

Submitting the claim

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