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Sunday, June 15, 2025

Why travel insurance matters

Have you ever traveled abroad and faced an emergency? One moment you’re sightseeing, and the next, you’re scrambling for help in a place where you don’t speak the language or know the system.

Back home in the Philippines, help is just a phone call away—but overseas, even minor issues can spiral quickly.

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Travel opens the door to new experiences and cultures, but it also brings real risks—flight cancellations, lost luggage, and medical emergencies. The unpredictability is part of the adventure, but it can also leave you vulnerable. That’s why travel insurance isn’t just a nice-to-have—it’s your lifeline. It gives you the confidence to face the unknown, knowing you’ve got a safety net beneath you.

BDO Insure, the insurance arm of BDO, offers travel coverage options from various providers to suit different types of trips, from weekend getaways in Asia to extended stays in Europe or the U.S. 

For travelers up to 75 years old, plans are available at affordable rates. A four-day Asian trip can come with up to P500,000 in emergency medical treatment for just P350. Need more coverage? You can raise it to P1.5 million for only P463. Planning a 15-day visit to the U.S.? Coverage of up to P1.5 million starts at P917.

Traveling to France? Schengen visa-compliant policies are available, with up to P2.5 million in medical coverage for a 15-day trip starting at P1,749. Some plans even cover pre-existing conditions, high-risk activities, rebooking fees, and compensation for delays.

To avoid last-minute hassles, travelers are encouraged to purchase insurance at least four hours before flying out of the Philippines. Coverage includes COVID-19-related concerns, baggage issues, and 24/7 emergency assistance hotline access.

For details, visit bdo.com.ph/bdo-insure/personal/travel.

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