[TRAVEL INSURANCE] HOW TO GET TRAVEL INSURANCE WITH COVID-19 COVERAGE


Travel is one of the activities that are normally planned for and looking forward to. However, the impact of the Covid-19 in the travel industry has set many boundaries. Such boundaries led to the cancellation of trips due to cancelled flights, border restrictions, stricter travel guidelines, and so on and so forth.  

 

These unforeseeable and foreseeable events can throw you off your vacation plans and may cost you more (even more expensive than your plane ticket!). Maybe you're asking right now how to avoid those ‘events’, the answer is travel insurance.

 

What is Travel Insurance?




A travel Insurance is an insurance product that covers unforeseen losses sustained during an international or domestic travel. Most of the basic policies cover emergency medical expenses while overseas but there are such policies that cover, trip cancellations, lost luggage, flight delays, public liability, and etc.  

 

Is Covid-19 covered by the travel insurance?

 

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Take note that when Covid-19 becomes pandemic, this event becomes foreseeable and therefore not covered under standard travel insurance benefits. 

 

However, the continued impact of the Covid-19 made some of the insurance providers adapt to the worldwide health crisis. And one of them is Starr International Insurance Philippine Branch. 


An article published by money.com last July 2, 2020, showed a summary of the Best Travel Insurances of 2020, which responds to the new normal, an impact of COVID-19 in the travel industry.


STARR Insurance  

 

In the Philippines, Starr International Insurance Company (Philippine Branch), a travel insurance provider responded to the call of Inter-Agency Task Force for the Management of Emerging Infectious Diseases (IATF-MEID) Resolution No. 79 Series of 2020 dated October 15, 2020 concerning the lifting of non-essential outbound travel of Filipinos. Thus, including  Covid-19 as part of their policy coverage

 

Starr International Insurance Philippine Branch shall cover any medical expense in connection with or in any way involving or arising from any infectious disease, whether asymptomatic or not, severe acute respiratory syndrome Coronavirus disease (COVID-19), including variation thereof, or Pandemic or epidemic as declared as such by the World Health Organization or any government authority up to USD50,000 or Php2,500,000 whichever is lower.

 

Starr Insurance offers two medical expense coverage for Coronavirus Disease:


1.) Assist Card Plans - this travel insurance is valid for 1-year for any destination. The coverage of this plan is up to USD35,000 or up to USD50,000.

 

This plan can also be beneficial for frequent travelers, which could cover them while traveling throughout the year.   

 

2.) TraveLead International Plans - this travel insurance is valid for your intended travel duration. The coverage is up to Php1,000,000 or up to Php2,500,000.

 

These plans exclude the following:

1.) Denial of entry upon arrival within itinerary whether pre-departure from origin point, in-transit at connection points, or at final destination.

2.) Change of travel decision due to fear of COVID-19 infection during pre-departure, at connecting points, or at final destination.

 

*Information can be changed.

 

How to book these plans? 

 


Starr International Insurance Philippine Branch is partnered with Rakso Travel in selling their travel insurances which include coverage of COVID-19. You may call Rakso Travel at +63 (02) 8651 9000 or email support@raksotravel.com to book. You can also visit www.raksotravel.com and chat them live. 

 

Reminder

 

Please note that it is important to read carefully your insurance coverage, what covers and what not. Remember, claims will only be paid as specified on your policy. 

 

I hope this simple information had helped you. 

 

Stay tuned for more information. 

 

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13 Comments

  1. I'm planning a trip to Europe next month, and I'm thinking about getting travel insurance. I've never done this before, so I'm not sure where to start. Can anyone give me some advice on how to get started? I've heard that there are a few different ways to get travel insurance. I could buy it through my travel agent, or I could buy it do my assignment. I'm not sure which is the best option. I'm also not sure what kind of coverage I need. I know that I want to be covered for medical expenses, but I'm not sure if I need coverage for other things, like trip cancellation or lost luggage.

    ReplyDelete
  2. I'm planning a trip to Europe next month and I'm wondering if I need to get travel insurance that covers botox. I'm getting botox injections in my forehead a few weeks before my trip, and I'm worried about what would happen if I had any complications.

    I've read that some travel insurance policies do cover cosmetic procedures, but I'm not sure if that includes botox. I've also read that some policies only cover complications that occur while you're traveling, not complications that happen before you leave.

    ReplyDelete
  3. I know that standard travel insurance policies don't cover cosmetic procedures, but I'm not sure if laser liposuction is considered a cosmetic procedure. I've read that some insurers will cover liposuction cost if it's medically necessary, but I'm not sure if my case would qualify.

    I'm also wondering about the cost of travel insurance. I've seen policies that range in price from a few hundred dollars to a few thousand dollars. I'm not sure how much coverage I need, so I'm not sure how to choose the right policy.

    ReplyDelete
  4. I know that lumecca ipl treatments in orlando typically doesn't cover elective cosmetic procedures, but I'm wondering if there's any way to get coverage for unforeseen complications. For example, what if I have an allergic reaction to the treatment? Or what if I develop hyperpigmentation or scarring?

    ReplyDelete
  5. I'm looking for some advice on how to get travel insurance that will cover me for menz grow. I'm planning a trip to Europe next month, and I'm worried about getting sick or injured while I'm there. I know that some travel insurance policies don't cover pre-existing conditions, and I'm not sure if menz grow would qualify as one.

    ReplyDelete
  6. I'm planning a trip to next month and I'm wondering if I need to get travel insurance. I'm not sure if my regular health insurance will cover me if I get sick or injured while I'm away.

    I'm also planning to get a pdo thread lift near me before I go. I know that this is a minimally invasive procedure, but I'm still a little bit nervous about it. I'm wondering if travel insurance would cover me if something went wrong during the procedure.

    ReplyDelete
  7. I'm planning a trip to Europe next month and I'm wondering if I need to get travel insurance. I'm in good health, but I'm thinking about getting a botox injection near me before I go. I've heard that it can cause some bruising and swelling, so I'm not sure if that would be covered by travel insurance.

    ReplyDelete
  8. Different levels of coverage, such as emergency evacuation, medical costs, trip cancellation/interruption, and baggage protection, are provided by travel insurance policies. Make sure the coverage you choose covers COVID-19-related risks, such as medical costs if you get the virus while abroad.

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