FPG Insurance

REDEFINING TRAVEL PROTECTION

FLEXIBLE COVERAGE

Get wide-ranging protection tailored to your needs–pay only for the coverage that suits you.

FAMILY PLANS

Protect your whole family when you travel and save up to 50% when you avail of our family plans.

ANNUAL MULTI-TRAVEL PLANS

Perfect for frequent travelers, this plan offers year-round coverage for multiple trips under one policy, ensuring comprehensive protection.

BROAD COVERAGE & HIGHER LIMITS

Enjoy extensive benefits with higher coverage limits– all at a more affordable price.

Schedule of Benefits
BENEFITS BASIC CLASSSIC ELITE PRESTIGE
Accidental Death & Disablement / Dismemberment Benefit 500,000 1,000,000 2,500,000 5,000,000
BENEFITS BASIC CLASSSIC ELITE PRESTIGE
Accidental Death
& Disablement /
Dismemberment Benefit 		500,000 1,000,000 2,500,00 5,000,000
Automatic Extension
of Period of Insurance		 10 days 10 days 10 days 10 days
Pre-Existing Medical Cover Up to 20,000 Up to 25,000 Up to 35,000 Up to 40,000
BENEFITS BASIC CLASSSIC ELITE PRESTIGE
Medical Evacuation
and Repatriation 		Actual Expense Actual Expense/td> Actual Expense Actual Expense
Repatriation of
Mortal Remains 		Actual Expense Actual Expense Actual Expense Actual Expense
Care of Minor Child(ren) Actual Expense Actual Expense Actual Expense Actual Expense
Return of Dependent Child Actual Expense Actual Expense Actual Expense Actual Expense
Compassionate Visit Roundtrip
Economy Airfare		 Roundtrip
Economy Airfare		 Roundtrip
Economy Airfare		 Roundtrip
Economy Airfare
BENEFITS BASIC CLASSSIC ELITE PRESTIGE
Trip Delay (Outbound/Inbound) "2,000 per 6 hrs/
max of 10,000"		 "2,500 per 6 hrs/
max of 20,000"		 "2,500 per 6 hrs/
max of 25,000"		 "2,500 per 6 hrs/
max of 30,000"
Trip Cancellation Up to 100,000 Up to 150,000 Up to 150,000 Up to 250,000
Trip Interruption
/Curtailment 		Up to 100,000 Up to 150,000 Up to 150,000 Up to 150,000
Missed Connecting Flight "2,500 per 6 hrs/
max of 10,000"		 "3,000 per 6 hrs/
max of 15,000"		 "3,000 per 6 hrs/
max of 20,000"		 "3,000 per 6 hrs/
max of 25,000"
Flight Overbooked "2,000 per 6 hrs/
max of 8,000"		 "3,500 per 6 hrs/
max of 10,000"		 "3,500 per 6 hrs/
max of 15,000"		 "3,500 per 6 hrs/
max of 20,000"
Diversion of Trip (Outbound and Inbound) Up to 15,000 Up to 20,000 Up to 35,000 Up to 50,000
Baggage Delay (Outbound) Up to 5,000 Up to 5,000 Up to 5,000 Up to 5,000
Loss or Damage of Checked-In Baggage 30,000, Sub-limit
7,500 per item / pair / set of articles		 50,000, Sub-limit
7,500 per item / pair / set of articles		 55,000, Sub-limit
7,500 per item / pair / set of articles		 60,000, Sub-limit
7,500 per item / pair / set of articles
Loss of Travel Documents Up to 50,000 Up to 50,000 Up to 50,000 Up to 50,000
Loss of Personal Money 25% of loss amount
maximum of 10,000 limit 		25% of loss amount
maximum of 10,000 limit 		25% of loss amount
maximum of 10,000 limit 		25% of loss amount maximum of 10,000 limit
Emergency Communication Expenses Up to 5,000 Up to 5,000 Up to 5,000 Up to 5,000
BENEFITS BASIC CLASSSIC ELITE PRESTIGE
"Hospital Daily Allowance
(max of 10 days) -(NEW)" 		"500 per day, max. of 10 days
(Accident and Sickness)"		 "1,000 per day, max. of 10 days
(Accident and Sickness)"		 "1,500 per day, max. of 10 days
(Accident and Sickness)"		 "2,500 per day, max. of 10 days
(Accident and Sickness)"
Emergency Dental Care Up to 25,000 Up to 25,000 Up to 25,000 Up to 25,000
Lost, Stolen or Damaged Gadgets " 5,000 (Damage);
10,000 (Loss) "		 " 5,000 (Damage);
10,000 (Loss) "		 " 5,000 (Damage);
10,000 (Loss) "		 " 5,000 (Damage);
10,000 (Loss) "
Hijack (max of 10 days) "2,500 per day,
maximum of 15,000 "		 "2,500 per day,
maximum of 25,000 "		 "5,000 per day,
maximum of 50,000 "		 "5,000 per day,
maximum of 50,000 "
Car Rental Excess Protection Up to 5,000 Up to 10,000 Up to 15,000 Up to 20,000
Accidental Burial Benefit Up to 25,000 Up to 25,000 Up to 25,000 Up to 25,000
Personal liability Up to 1,000,000 Up to 2,000,000 Up to 2,500,000 Up to 3,000,000
Home Contents- (NEW) Up to 25,000 Up to 50,000 Up to 70,000 Up to 80,000
BENEFITS BASIC CLASSSIC ELITE PRESTIGE
COVID-19 Included Included Included Included
Hazardous Non-Professional Sports Included Included Included Included
Sports Equipment Included Included Included Included
Cruise Cover Included Included Included Included
Pet Care (NEW) Up to 5,000 Up to 5,000 Up to 5,000 Up to 5,000
BENEFITS BASIC CLASSSIC ELITE PRESTIGE
Delivery of Medicines Included Included Included Included
Emergency Message Transmission Included Included Included Included
Foreign Hospital Admission Assistance Included Included Included Included
Legal and Interpreter Referrals Included Included Included Included
Lost Baggage and Document Assistance Included Included Included Included
Medical Consultation,
Evaluation and Referrals 		Included Included Included Included
Medical Monitoring Included Included Included Included
Prescription Assistance Included Included Included Included
Definition of Benefits
STANDARD BENEFITS
Accidental Death & Disablement / Dismemberment Benefit Provides compensation for death, dismemberment, permanent and total disablement due to accidents.
Automatic Extension of Period of Insurance Automatic extension of travel cover if insured's travel is prolonged due to hospitalization.
Baggage Delay (Outbound) Reimbursement for emergency purchases of clothing and personal care items if the insured's baggage is delayed for more than six (6) hours while abroad.
Care of Minor Child(ren) Provides care for minors who are left unattended due to the insured's medical emergency or death.
Compassionate Visit Covers the roundtrip economy class airfare and accommodation costs of the insured's family member or personal friend while the insured is hospitalized abroad.
Delivery of Medicines Provides assistance to deliver prescribed medications, including medicines for pre-existing conditions, if not available in the travel destination or cannot be substituted with other medications.
Diversion of Trip (Outbound and Inbound) Reimbursement for essential expenses like accommodation, meals, clothing, and toiletries if the insured's flight is diverted, requiring the insured to wait before continuing their journey.
Emergency Communication Expenses Reimbursement for mobile phone charges incurred during a medical emergency while abroad.
Emergency Message Transmission Provides assistance to transmit and receive emergency messages to and from insured's family members or employer, when legally permitted.
Flight Overbooked Covers costs incurred (i.e. food, transport, accommodations, and personal effects) due to delays resulting from airline overbooking, subject to presentation of relevant documentation from the airline.
Foreign Hospital Admission Assistance Provides assistance with international hospital admissions, including financial guarantees to simplify admission and confirm the insured's medical insurance coverage.
Legal and Interpreter Referrals Provides referrals to interpreters, counselors, or legal personnel upon request.
Loss of Personal Money Reimbursement for the loss of cash, signed traveler’s checks, or money orders due to theft, robbery, or burglary. (Excluding mysterious disappearance)
Loss of Travel Documents Provides support for the replacement of lost travel documents due to theft, and covers additional travel and accommodation costs abroad while waiting for document replacement.
Loss or Damage of Checked-In Baggage Coverage against lost or damaged baggage and personal belongings, in case not covered by the airline or if the damage exceeds the airline's liability limit.
Lost Baggage and Document Assistance Provides assistance in locating lost baggage, documents, and belongings and helps with replacing travel tickets.
Medical Consultation, Evaluation, and Referrals Provides 24/7 access to customer support with multilingual personnel who can arrange referrals to licensed physicians for medical consultations and evaluations.
Medical Evacuation and Repatriation Provides cashless emergency medical evacuation and repatriation due to serious injury or sickness.
Medical Monitoring Provides monitoring of the insured's condition if hospitalized, staying in communication with the insured's attending physician and/or hospital, and relaying necessary and legally allowed updates to family members.
Missed Connecting Flight Reimbursement for expenses incurred due to missed connecting flight, such as food, transport, personal effects, and accommodation. (i.e. if there is a missed connecting flight and a waiting time for the next departure).
Pre-Existing Medical Cover (First Medical Assistance) Covers actual medical expenses and hospitalization due to pre-existing conditions.
Prescription Assistance Provides assistance with prescription medicine replacement requests if needed while traveling, consulting with the treating physician when legally allowed (note: medicine cost is not covered).
Repatriation of Mortal Remains Provides for cashless return of mortal remains of the insured to the Philippines as a result of accidental injury and sickness.
Return of Dependent Child Provides economy class airfare for a relative or immediate family member to bring home an unattended child traveling with the insured during his hospitalization abroad.
Travel Medical Insurance Covers actual medical expenses and hospitalization due to accidental injuries and sickness while traveling.
Trip Cancellation Full or partial reimbursement of payments on canceled travel tickets, accommodations, and other travel reservations due to medical concerns, or other circumstances (i.e. death in the family).
Trip Delay (Outbound/Inbound) Covers reasonable expenses incurred (i.e. food, transportation, accommodation) if the insured's returning flight is delayed for six (6) hours due to poor weather conditions, natural disasters, or technical and/or mechanical failures of the aircraft.
Trip Interruption/Curtailment Covers expenses incurred during travel interruptions/trip curtailment due to medical concerns, or other circumstances (i.e. emergencies, and death in family), including pre-paid travel (non-refundable) costs as well as costs incurred to return to home country.
CUSTOMIZABLE OPT-OUT BENEFITS
Accidental Burial Benefit Provides fixed financial assistance if the insured passes away due to an accident while traveling, with no need for receipts for funeral expenses.
Car Rental Excess Protection Provides coverage for insurance deductible that the insured is legally required to pay for, in case of loss or damage to a rented vehicle due to an accident during the rental period.
Emergency Dental Care Provides reimbursement for emergency dental treatment abroad for natural teeth if injured and needing urgent care.
Hijack (max of 10 days) Provides a daily allowance for delays and travel interruptions due to hijacking.
Home Contents (NEW) Provides coverage for loss or damage to home contents in the Philippines if the insured's vacant home is broken into through forced entry while abroad.
Hospital Daily Allowance (Accident and Sickness)
max of 10 days (NEW)		 Provides cash assistance for each day the insured is confined in a hospital due to injury or sickness while abroad for a maximum of 10 days.
Lost, Stolen or Damaged Gadgets Provides cover for each lost, stolen, or damaged gadget while on a trip.
Personal Liability Provides coverage for third-party damages for unintentional injuries, accidental death, or damage to property while traveling.
ADD-ON BENEFITS
COVID-19 Provides cashless medical coverage for claims related to COVID-19
Cruise Cover Extends the policy cover while on a cruise.
Hazardous Non-Professional Sports Provides coverage for medical treatment for injuries from hazardous non-professional sports activities, excluding participation in tourments and/or contests that are organized by sporting federations or sports organizations.
Pet Care (NEW) Provides coverage for extra pet boarding costs in the Philippines if the insured’s flight is delayed or if the insured is hospitalized while abroad, requiring extended boarding for their pet.
Sports Equipment Provides coverage for scratching or breakage of sports equipment when checked-in and declared to the airline.
Surcharge

    Premium surcharge shall apply to the following:

    • Age 76 to 80 - 100% surcharge
    • COVID-19 - per day charge
    • Hazardous Non-Professional Sports - 50% Premium Surcharge
    • Sports Equipment - 25% Premium Surcharge
    • Cruise Cover - 25% Premium Surcharge
    • Pet Care - 5% Premium Surcharge
Geographical Coverage

ASIA - Provides Asia cover, excluding The Philippines, Japan, Australia, New Zealand and Middle East Countries

WORLDWIDE - Provides worldwide cover, excluding The Philippines

SCHENGEN - Provides cover on the following Schengen Countries

1. Austria  12. Italy 
2. Belgium  13. Latvia 
3. Czech Republic 14. Liechtenstein 
4. Denmark  15. Lithuania 
5. Estonia  16. Luxembourg
6. Finland  17. Malta 
7. France  18. Netherlands 
8. Germany  19. Norway 
9. Greece  20. Poland 
10. Hungary  21. Portugal 
11. Iceland 

** This product does not extend to cover restricted countries

1. Afghanistan   9. Nigeria  
2. Belarus   10. Central African Republic  
3. Burkina Faso   11. Russia  
4. North Korea   12. Syria  
5. Iran   13. Somalia  
6. Iraq   14. Ukraine  
7. Lebanon   15. Yemen  
8. Libya  

** restricted countries are subject to change

  • Free look provision will NOT be applied to policies where travel/trip has already commenced.
  • When applicable, the free look provision will not be triggered if there is already a claim under the Policy contract.
Exclusions
  1. Suicide & self-inflicted injuries
  2. Illnesses or pathological states caused by the voluntary consumption of alcohol, drugs, toxic substances, narcotics, or medicines acquired without medical prescription, as well as any kind of mental illness or mental imbalance
  3. Extraordinary natural phenomena such as floods, earthquakes, landslides, volcanic eruptions, etc.
  4. Events arising from terrorism, mutiny, or crowd disturbances
  5. Injuries resulting from competitions, sports & training tests
  6. Wars with or without prior declaration, and any conflicts or international interventions using force or duress (e.g., Iraq, Iran, Afghanistan, etc.)

Note: Complete list of exclusions are stipulated in the policy.

Terms & Conditions
    MAXIMUM AGE
    • Up to 80 years old – Asia, Worldwide & Schengen countries
    • Premium surcharge shall apply to the following:
      • Age 76 to 80 - 100% surcharge
    • Note: You can reach out to us for a quote if you're an insured traveler over 80 years old
    FAMILY PACKAGE CONDITION
    • Family Package consists of a maximum of 5 Family members with at least 1 adult and 1 minor
    • Age eligibility for children is from 4 weeks up to 17 years old
    MAXIMUM DAYS OF COVERAGE ALLOWED
    • For two-way continuous leisure/business Trips – Individual and Family Plan covers up to a maximum of one hundred eighty (180) days only
    • For two-way Annual Multi Trip – Individual and Family Plan is covered up to a maximum of one hundred eighty (180) days only
    • For Overseas Filipino Worker (OFW) one-way Trip to comply with the Travel Requirements of the country of work destination and coverage is up to a maximum of twenty-one (21) days only
    • For Non-OFW one-way Trip, the coverage is only up to twenty-four (24) hours upon reaching immigration of the country of destination
FAQs

General Travel Insurance FAQs

  1. What is Travel Insurance?
    • Travel insurance offers financial protection against accidents, illnesses, and unexpected events while traveling domestically or internationally.
  2. What are the benefits of travel insurance?
    • It provides coverage for accidents, loss of belongings/money, and gives financial protection during your trip.
  3. What are the different coverage durations?
    • Single Trip: Coverage begins when you depart from your residence in the Philippines on the start date of your trip and continues until you return home on the end date.
    • Annual Multi-Travel: Coverage starts on your selected date and lasts for 12 months, with a maximum of 180 days per trip.
  4. Is there an age limit for people to avail of travel insurance?
    • Coverage is available for individuals from 18 up to 80 years old. A premium surcharge applies for those aged 76 and above.
  5. When will I need annual travel insurance?
    • Available for frequent travelers with unlimited trips, each not exceeding 180 consecutive days.
  6. What are the advantages of FPG International Travel?
    • Cashless claims, worldwide coverage (excluding the Philippines), no medical application required, Schengen visa accredited, opt-out benefits with higher limits, increased age limit to 75 years (auto-accept), lower coverage tiers, and per-day pricing.
  7. What is a Family Package?
    • Offers comprehensive coverage for up to five family members in one convenient plan.
  8. Is travel insurance valid for any destination abroad?
    • Yes. as long as premium is paid, you can travel to most destinations. Please refer to the geographical coverage tab for countries permitted in the plan.
  9. Does the insurance cover one-way trips?
    • Generally, no. However, there are exceptions. Please see terms and conditions for these.
  10. What is the Home Country?
    • The country where the insured primarily resides or holds citizenship.
  11. When does travel insurance become effective?
    • It becomes effective once the premium is paid and travel has commenced.
  12. Does travel insurance apply for extended stays abroad?
    • Yes, provided there is an intention to return to the Home Country and declared the extension to FPG Insurance.
  13. What happens if I don't return to my Home Country?
    • Coverage may become invalid if there is no intention to return.

Medical Coverage FAQs

  1. Does the travel insurance cover medical consultations after I return from my trip?
    • No, coverage is limited to medical expenses incurred during the trip.
  2. Are there circumstances where post-travel medical care is covered?
    • No, only treatments during the trip are covered.
  3. What if I experience complications related to an illness or injury from my trip?
    • Those complications will not be covered; regular health insurance may be needed.
  4. Does the policy cover follow-up treatments for injuries after returning home?
    • No, follow-up treatments after returning are not covered.
  5. What type of medical coverage does the policy provide during the trip?
    • It covers hospitalization, surgery, medical fees, and prescribed medications during the trip.
  6. What are the COVID-19 Rider Requirements?
    • No medical certificate or RT-PCR result is needed; only the application and KYC form are required.

Pre-existing Conditions

  1. Does the policy cover pre-existing medical conditions?
    • Initial emergency treatment related to a pre-existing condition may be covered, but ongoing or additional treatments will not be.
  2. What happens if the emergency assistance relates to a pre-existing condition?
    • Initial assistance is provided for emergencies, but extended or follow-up services related to the condition are not covered.
  3. Will I be covered for follow-up treatments if it relates to a pre-existing condition?
    • No, once a condition is diagnosed as pre-existing, follow-up treatments are not covered.
  4. What qualifies as a pre-existing condition under the policy?
    • Any medical condition that existed prior to the policy’s start date, whether known or unknown.
  5. Does the policy cover outpatient treatments for pre-existing conditions?
    • Initial emergency outpatient treatments may be covered, but further treatment is excluded.
  6. Are ambulance costs covered for emergencies related to pre-existing conditions?
    • Yes, initial ambulance costs are covered for emergencies related to pre-existing conditions, but additional related expenses are not.

Coverage Limitations

  1. Will FPG cover losses if I have other insurance?
    • No, losses already covered by other insurance will not be compensated.
  2. What if I receive a refund from a hotel or airline?
    • FPG will not cover losses already refunded.
  3. Are there any exceptions to this rule?
    • Generally, no exceptions apply.
  4. How can I know if my loss is covered by another policy?
    • It’s your responsibility to check existing policies for coverage.
  5. What should I do if I’m not sure whether I have other coverage?
    • Review your policy details or contact your insurance provider for clarification.
  6. Does this apply to all types of losses?
    • Yes, this policy applies to all types of losses covered by other insurance.
  7. How do I file a claim if I am covered by other insurance?
    • File your claim with that insurance provider first, then discuss any remaining losses with FPG.

Baggage Delays and Losses

  1. What happens if I don’t report a delay or loss immediately?
    • Benefits may be denied if not reported promptly.
  2. Is there a time limit for purchasing clothing or toiletries due to a delay?
    • Yes, purchases must be made within forty-eight (48) hours of arrival.
  3. Will I be covered if my baggage is delayed on my return journey?
    • No, benefits will not be provided for baggage delays during the return journey.
  4. Can I claim for purchases made after receiving my baggage?
    • No, purchases after receiving baggage are not eligible for reimbursement.
  5. What should I do if my baggage is delayed?
    • Report the delay immediately and keep all relevant documentation to assist you with your claim like:
      1. original Property Irregularity Report (PIR) from airline
      2. original receipts of basic necessity purchased due to delay of baggage
      3. original acknowledgement receipt stating the exact date and time when you received your baggage from the airline
  6. Are there exceptions to these rules?
    • No exceptions; benefits may be denied under specified conditions.
  7. How can I ensure my claim is processed successfully?
    • Promptly report delays, make eligible purchases, and keep all receipts.
  8. What if I didn't know about the delay immediately?
    • Report the delay as soon as possible to avoid denial of benefits.
  9. What if my luggage is permanently lost?
    • Payments for luggage delay will be deducted from the total claim for lost luggage.
  10. Can I claim for both delayed luggage expenses and lost luggage?
    • Yes, but any compensation for delayed luggage will be deducted from the lost luggage claim.

Cancellations and Refunds

  1. Am I allowed to cancel my policy and request for refund cause my Visa was denied?
    • Policy cancellation is permitted with proof of visa denial, and premiums are refunded minus government taxes.

Claims

  1. Can I submit claims for reimbursement for medical services?
    • No, claims must go through the FPG Insurance’s Emergency Assistance team
  2. What should I do in case of a medical emergency?
    • Contact the Emergency Assistance team for necessary medical services
    • FPG Insurance MyTravel Mate has a 24/7 hotline at +632 8811 2521, or contact us via Viber/WhatsApp at +639175622100. You can also email us at [email protected] or use the Assist America QR below
    • Assist America Travel App
  3. What if I receive services without contacting the Emergency Assistance team?
    • Those services may not be covered, and you’ll be responsible for costs
  4. Are there exceptions to using the Emergency Assistance team?
    • No, all services related to emergency claims must be coordinated through them
  5. How do I contact the Emergency Assistance team?
    • Their contact information is in your policy documentation
  6. What if I need non-emergency medical services while traveling?
    • Consult the Emergency Assistance team for guidance on coverage

Written Confirmations/Claim requirements

  1. Why do I need written confirmation of the delay from the airline?
    • It serves as proof for your claim and is required for reimbursement. It will also confirm the cause of the delay of the flight which will assist in the review of the claim.
  2. What types of receipts should I keep?
    • Keep all receipts for essential items purchased due to the delay.
  3. What happens if I don’t get written confirmation of the delay?
    • Your claim may be denied without this documentation.
  4. How do I get written confirmation from the airline?
    • Request it from the airline’s customer service desk or their official channels.

Reimbursement FAQs

  1. What documentation do I need to submit for reimbursement?
    • Submit original invoices and receipts for expenses incurred due to delays
  2. What happens if I lose my receipts?
    • Reimbursement may be denied without original receipts
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